I am just so happy with my realtor that helped me with my investment property purchase. Totally worth it. Really helped me navigate through the market and make wise decisions. If you are looking for a great realtor in Orange County, Long Beach, Los Angeles areas… please DM me. Happy to refer.

How do you strike the right balance between spending and saving? For example, if you’re looking to buy a car, do you wait until you can pay 50% in cash? 75% in cash? Full?

Did I see that there’s a CSR (not preferred) deal with 100k points being offered right now? I see the preferred with 100k but I feel like I saw something about the CSR with 100k and would like to find out if that’s true/how to access the deal

Noob Q - Deloitte 🐠 can we use coinbase?

When the S&P 500 is hitting New all time highs every day but your portfolio full of tech stocks in still down -20% from highs

Please confirm: Whether we are required to update intraday trades (nifty or bank nifty or stock option) while working in PWC SDC.

Who does liberty mutual, and why?

As salaried employees in London, how do you all optimise taxation? Pension contributions and ISAs? Or are there other ways?

Anyone with United 1k in jeopardy of not meeting the lowered “move the goalpost” PQP targets? Is there a December promotion or do you think United will pivot to extend status to 2023 in the final hour? Ugh, I don’t want lose 1k but can’t justify ~$5,000 in out of pocket expenses / mileage run. Anyone in the same boat?

Hello fishes, I am filing my tax return using hrblock premium. I have made contributions to nondeductible ira and then converted to roth ira (backdoor). the form 8606 asks these questions, but the questionnaire doesnt ask about whether I have converted. does anyone have experience with form 8606? which tax return software does this properly?

Hey there, moving to NYC this summer. I have no idea where to start looking in the jungle that is the NYC real estate market... Where should I start for apts and for roommates as well?

What happens to your 401k when you leave without it being fully vested? I left my company without it being fully vested and looks the same to me. I didn't have it transfer over or anything. Just sitting in the original fidelity account. When does it get adjusted? Or did I luck out by keeping it in the original account?

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

Need some help fam - I live in Colorado, but have a job "based in San Francisco" so working remote. I'm paying Cali state taxes/ deductions. Will I get the excess back when I do my tax return for 2022? Will I get penalized in Colorado?

Best trick I’ve learned as a real estate agent: if you are trying to sell a home, ask the homeowners to bake some bread or cookies. Sounds silly, but the smell will fill the house and make prospective buyers feel warm and cozy. It's like magic!

Guys.....

any guess how much it would cost to have 1rk or 1bhk flat i this area?


1st Main Rd, 8th Block, Jayanagar, Bengaluru, Karnataka 560082

Washington state, single family home, roughly 2,000 sqft and valued at 850k. Home insurance quote is $1,450 per year. Reasonable? Or should I shop around?

Don’t forget tax loss harvesting. Sell and buy back; book the loss.

Hi KGS Fishes
Recently I joined KGS and want to know about PF Opt In and Opt Out. Can you please provide more information on this?

What should US immigration policy be ? Restrictionist , expand or keep it the same ? .

Hot take: I hope Chauvin gets acquitted.

Explanation in the comments; please don't report until you read the rest!

I am disappointed in the majority of athletes that didn't condemn DeSean Jackson's anti-semitic post.

In Accenture offer Letter, I didn't get the pay structure, instead HR told me that it can be planned by employee only on the first day of joining. How does it works? I got level 8 .

Hi Fishes,

What is the salary range of a Sr. Analyst in the Investment Banking Division (Middle Office role) in Bangalore ?

How is the job security in publics sapient

Anyone recently had delivery in Noida?
Can u recommend budget hospital?

Does anyone have any insight into Base 10 genetics they would be willing to share? I am interviewing for a senior position there.

I got an offer in capgemini engineering. Is it to good to join and what about the WFH culture?

My current project winds up on 31st December 2022. If I resign by mid/end of this month(expecting a few offers), would CG persist with the 90 day notice period with me serving majority off those on the bench or would they consider releasing early once the client stops paying? #Capgemini #NoticePeriod

Does Capgemini provide reimbursement for technical certifications? What is the process to be followed?

Most of my Algebra 2 students are still doing works remotely from home. My Algebra team is relying on DeltaMath for assignments and tests, and kids are completing them within minutes of posting (spend like 30+ seconds per problem on average). I decided to ask for works from kids as part of the assignment grades, and to my surprise (not really), kids are using apps and just copying to the teeth. My admins will likely make me stop giving 0 to these assignments. Is this a battle worth fighting for?

I need serious advice, please! Am I wasting my time messaging a guy I matched with online that lives on the opposite coast? Background: we message each other at least 1-2 times everyday for the last FIVE months but never over a phone call. He actually doesn't even have my number. We message on IG. He's a full-time student and full time employee so busy guy. But am I wasting my time and emotions with this guy??

I miss the rush of wearing a buttplug and no panties in the office

Aussie lawyer looking to relocate to MA, USA. Should I go through the more painful process of sorting the MA bar, or just do NY and hope that I get a job that doesn't require being admitted to MA bar?

Hi all,
Anyone from Capital One willing to provide a referral? I am excited for a certain open role. 🐝

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Open Poll: what’s your FIRE number, when do you pull the trigger, and where do you want to live? Personally, my ideal numbers are 10M, 35, and lower cost area of a HCOL (Brooklyn). One can always dream!

Anyone just got some loose diamonds for liquidity like in the movies?

Always been a fan of FIRE and reading about it has definitely helped my finances but I can’t help but wonder if the movement is more about lifestyle change than early retirement.

After you achieve FI,you basically have to maintain the lifestyle that got you there.

What if you want to go on a lavish vacation or buy that flatscreen TV? Are you supposed to do away with material goods entirely? I suppose you could keep working for discretionary $ and live off interest but then you’re not retired.

Question about credit scores and MBA loans. (FYI I know this is not mathematically the best option but want to do it to remove mental burden of student loans). Planning on paying off the balance of my MBA loans, ~100K, at the end of the summer once I can save a little more. I have offers to refinance which would give me a free $1,000 and slightly lower interest rate. Would refinancing now and then paying off the “newer debt” in 3 months negatively impact my credit score?

My previous employer used vanguard for 401k, however my current employer uses Merrill Lynch does anybody know how i can transfer my 401k funds to Merrill

I’m deciding whether to house hack a multi family home in Miami or continue renting and buy a chalet close to a national park to put on Airbnb. This will be my first investment property. Will pull the trigger in 2023 or 2024. Which route would you go for and why?

How do you strike the right balance between spending and saving? For example, if you’re looking to buy a car, do you wait until you can pay 50% in cash? 75% in cash? Full?

What happened here? I refinanced my student loans in November 2019 and got a 10-year variable at ~2.5% pegged to LIBOR. When 2020 hit, LIBOR tanked and my interest rate went down to 0.75%. Looking at similar loans now, I can’t find anything close to this rate. Is this just a quirk of my original timing?

Not sure where to ask this, so here goes: I had my house repiped about a month ago, and the company still hasn’t sent me a bill. Do I just keep waiting (and hoping one never comes), or do I need to call them? My reasoning for calling is that I don’t want them to send this to collections if they think I have received a bill and am not paying.

How do you do your retirement savings calculations? Online calculator? Your own excel spreadsheet? Any caveats you plug into the model? Hoping to improve mine, TIA!

Mega backdoor question - I wanted to take advantage of this while it still existed so I contributed to after tax 401k the last few paychecks. Is the correct process to do a withdrawal/rollover directly to my Roth IRA account? It seems like I can do a direct deposit from the 401k but it is asking if this is a checking or savings account which seems wrong.

Best app : Mint, Personal Capital, other?

Has anyone else used or heard of interesting applications of a 529 if you end up not using it not for a dependents education?

Currently thinking of contributing something small (~$50/month) with the intent of using it on myself for flight school down the road.

25 with the partner and I being 50/50 on kids down the road.

Refinance my current mortgage? I can reduce my interest rate by 0.375%. Closing cost is $1500. My monthly interest payment would go down by $200

Do rewards matter when choosing a credit card?. Here is my monthly spending breakdown: online groceries, online food delivery, gas, little shopping on Amazon. Don’t know about travel until Covid ends. What would be the best credit card ? I’ve bofa cash rewards and travel rewards and a corporate amex