How much is an acceptable down payment for a home? I've seen some great listings asking for 10%, whereas some others are requesting up to 50%. Is this normal and what does it depend upon?

I need help paying down debt in the most optimal way. Student loans: FEDERAL [ $25k, @3.89%, $320 min. Monthly] ($0 @0% through Sep] + PRIVATE [ $38k @4.57%, $500 min. monthly]. How do I optimize payments throughout the duration of these loans? Is there an excel model/spreadsheet you can point me toward? (And does the crisis forbearance change the optimization equation?). Sorry- a lot to ask on this platform.

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Does having the Amex gold have any hidden perks? Will they get me dinner reservations or anything like that and is there a cost? O

Can you get denied a Deloitte Corporate Amex Card because of bad credit?

For those of you who have a side gig in real estate, what do you do and how much $ do you make from it?

Does anyone have a good practical guide / book on getting started with small multi family real estate investing? I’m in Canada and am looking to avoid hype books to get to the practical need to know details. I have between 250-350k to invest and looking to scale as quickly as possible

MGNI at $16.4. The price point when it was suggested here an year ago. Erased all of its 2021 gains. In fact most growth stocks are back to 2020 price ranges. Fishing any?

Would it be possible to offer professional tax advice/services on websites like Fiver? I am looking for extra ways to earn income.

Deloitte 401K match - when does it happen and what duration does it cover? Reason I ask is because I think it happens 7/1/22 and I am contemplating if I should hit all the $20,500 of my max contribution by end of June so I don’t need to wait for 2023 to get the match for Jan-June 2022, should I decide to leave before then. Thoughts?

Is there any way to get a Singapore (+65) SIM card and phone number outside of SG?

If Anyone who is new , wants to start investing in equity, mutual funds, stocks , what's the roadmap to start with.

How do LBO folks arrive at forecast for interest rates?

I'd imagine that the interest rate is a highly sensitive input for IRR in leverage heavy transactions

Just crossed 500k net worth fam!! Had the goal set for EOY but our home value just updated and pushed us over the goal. Started the journey 3 years ago when I joined this bowl and we were probably at 100k NW. Just had to share the success/milestone and say thank you to everyone here for the convos and advice! This bowl literally has been a life changing education.

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

What resources do you recommend for options trading?

Do you use drone photography and videography more frequently? What kind of prices are you paying per property? Do you guys use matterport virtual tours?

In prep for backdoor Roth, I converted my pre-tax IRA money into a 401k to avoid any pro-rata tax issues. Anyone know if there’s any sort of buffer period I need to wait or am I safe to do back door as soon as that money officially hits the 401k?

Read an interesting piece today via ATL about falling weed prices and lower-than-expected corporate earnings. Really curious to see how trends continue to play out

Left a company recently and they cut my notice short. Left with an outstanding balance from a work expense on the corporate card, is there any liability on me if the balance hasn’t been paid off?

For those who save a lot of money or have received a large inheritance. Such as someone who doesn't owe a mortgage or have any major expenses, or owe any debt...

What are you planning on doing with the money? I have 200k indexed along with money in my retirement and I spend on average about $500-700 a month total. I am saving about 3k a month between retirement and brokerage.

Does your organization make you feel like your work is only a support function to their more profitable businesses?

What do you think the critical difference between a startup and a small business is?

Adding to that, how do you differentiate an entrepreneur from a small business owner?

For the older 🐠 out there. Have any of you successfully re-dated an ex and end up getting married? Haven't talked to an ex in 2 years and really hit it off.

Is there any information on return to office?

If you’re single, do you put 1 or 2 on your state tax allowance form?

@partners - want to get a thread going for reasons you are on fishbowl. To get a pulse on the market? Protect firms reputation? Offer insight to younger professionals? DISCUSS!!

Hello everyone!

Currently looking to jump from Health Care to Pharma/Biotech. Does anyone work at Gilead and can serve as a reference? The current department I’m in, I do not fit the culture as it is a very archaic way of “managing” people. I have about a decade of a variety of work experience, majority in customer service/coordination/administration.

Would love any assistance if possible!

New associate starting in the tax group at a biglaw firm in NYC. Would really appreciate any advice on how to be most useful/get through the learning curve!

Hi,
What would be the expected salary for 6+ yoe in NCR for full stack skills in dot net core ans angular.
Experience in azure, kafka node as well

Hi , I have an offer in hand Accenture -17 fixed. Expecting an offer from MS soon! And my notice period is about to end - will have to wait for a few weeks before I can join MS. Should I wait? And not join Accenture? Or should I join Accenture and resign? Morgan Stanley Accenture

How often and for how long do you see your kids?

Does Novartis provide Monitor screens? I would be joining Novartis in few weeks, And if Novartis doesn't provide, I plan to buy my own.

Thanks!

Anyone following $APXT and have some insights to share, will be greatly appreciated

I am an IT manager at a small manufacturing company that is in the commercial aerospace and DOD manufacturing space. I manage everything IT and have one other person and an intern currently for around 250 employees. I have been there for just 15 years and it’s stressful. I don’t feel like I am paid enough as now I have NIST 800-171 and CMMC to deal with as well. I am paid with bonus at $120k a year. I have started looking elsewhere because I am just not happy anymore and underpaid for what I do.

Which companies in Canada are giving remote opportunities in the insurance industry?

This is a shot in the dark, anyone wanna trip on shrooms in the park this weekend? Thinking rock creek park or somewhere cool - DMV folks.

I’m so tired with work and need a break + new-ish to the area, just wanna trip, walk, and talk about life. 21M if you must know

I don’t have the personality to be in PA but I love this job and want to stay here as long as I can. How do I conquer my introverted ness and make it less cringe-y and awkward?

With heavy heart!!
Prohance tool is a real thing. It's not project specific.Every coforgeian has to deal with it.
Peace✌️

How far can you go in real estate work? I mean I see myself as an agent for many years to come, but I wonder if my job will always be tied to going from house to house and convincing people to buy houses.

Should I get a new real estate agent? I feel like she isn't really listening to me, because she keeps showing me houses that are not anything like what I'm looking for; but it feels rude to replace her because she's taken me to three different homes

We just received a listing worth $10M. Is it worth taking it? Will it even sell?

My landlord is offering me the chance to purchase the property that he’s been renting out to me for the past 5 years. Should I go through with it?

I started working at a real estate office about 2 weeks ago and my boss is demanding I give him access to my personal phone since it's the one I use for work. Is it me or is this an insane request?

Is there any way I could find better listings around my area? I've been checking out the competition and their properties seem to be better overall, more modern and more appropriate to what people are looking for nowadays. Any clue as to how they get these listings?

Do you dress casually to show properties?

I am hurt that my friends who are selling their property did not consider hiring me as their agent. But I can't let them know how I feel without feeling pathetic.

Trying to buy a home and my agent keeps showing me homes where I could change this or that to “make it my own,” how can I get her to see that I’m not interested in a remodeling project now (or ever)?

Has anyone ever started a REIT in Canada or a fund of some sort. For Rea estate investment

Tips for dealing with clients whose expectations are unrealistic?

Does anyone have any idea about how real estate works in Europe? I got an opportunity with a company in Germany but most of their listings are old buildings that I just don't know how they will sell.

What are the pros and cons of having a two story home vs a single story?

What should you look for as a realtor?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

What are ways to improve as a realtor?

Some agents are not sincere, and some houses have a negative record (this is what we call the incidents inside the homes), but many agents do not say it. I know it is about ethics, but at the same time, it should be punishable because you are deceiving a person to take advantage of the situation; it is a scam.

What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

I'm trying to build a website for my real estate company but I've never done this before! Can anyone share some resources that will help out with the design and all?

Which style home do you prefer and why?