I want to buy my first condo in 1-2 years in DC (currently 26, no debt, currently $26K liquid), but not sure if I should keep holding as liquid to be ready for when I find a property in Winter '24 - Spring '24, or if I should just DCA into stocks to ride this pending recession, and hold on buying until 2025. Thoughts?

That DCA sunrise is 👌

How much rent should I be paying?

Finding a house-share with enough working space for wfh seems expensive since I first moved to London 4 years ago - £900+ pcm and still competing for the room! Is it worth just trying to rent solo a little further out for ~£1,300pcm? Big issue is I’m only earning ~£45k with 4yoe.

Hey there! really need a change in pace from being in higher levels of care, and am wanting to go part-time with my company and private practice, but I want to buy a house in the next year and am worried about finances. Can anyone speak to the hardships or successes or a counseling of practice and/or buying a home shortly after starting one? I feel trapped in my current job because I’m worried the timing isn’t right.

For those using voyager, does it take a really long time for deposits to settle? It's been like 1.5 weeks, my cash has been taken out of my bank account a while ago, but voyager still has all my deposits as pending.

I can still trade with the pending deposit, but I'm just wondering since I'll eventually withdraw some.

I read a contract from San Diego that had some very interesting language for Special Educators. Thinking about sending it to the Union to see.

I need a financial miracle to afford my postgraduate degree. I have 6 months until the first bill. Experts on this sub, is there a crypto Hail Mary I should look into?

I’ve been doing some reading around Crypto but don’t currently hold any positions.

I haven’t managed to get any confirmed scholarships or financial aid packages so this post, as you can tell, comes from a place of exhausting every possible option. Any help massively appreciated.

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

Is 430k reasonable for a 1bed/bath in NW or Arlington? I feel like prices have gone up...

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Want to buy a house in bay area? Is this a good time? Thoughts?

What price did you buy your bitcoin/litecoin/ethereum at? Have you sold any?

I don’t get why even the most reputable financial news still try to attribute market moves to people. It’s not individual investors who are in control of day-to-day moves anymore, it’s algorithms.

Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs

Guys - how do y’all split bills during dinner with friends?
SO and I went with a group of friends and folks wanted to split by 10. I don’t mind a one time paying more situation but this has been happening a lot.

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

Where should I invest money ?
Apart from shares and mutual funds.

Note: max amt - 20 lakhs
Need good return
Blocking period can be of 5-7 years..

I know this is an options bowl where most members believe the market will go down, but are there any buy and hold investments you really like?

Hi,

I was just wondering if anyone has any tips on what to add to a business plan to self source mortgage leads.

planning to sell my 2 BHK flat in Rahatani , near kokane chowk..if anyone interested ping me so can share the details. Thanks!

Is bank interest riba?

I have been researching into this these days and there is literature that shares how lending worked in pre-Islamic Arabia. When the time to pay back a loan came, the lender would ask "would you pay or will you increase?" And that increase was usually doubling the loan. Subsequently ever year the loan wasn't paid it was doubled from the previous year.

What’s your average pay rate for a district supervisor?

Just curious to hear when everyone has their first with kids or if you have started already. In Wisconsin we start after Labor Day (September 4). Last day is June 5

Today was a rough workout. Pretty bummed - hoping tomorrow goes better.

while at a client, i saw a member of our leadership that i normally don’t, and gave him a hug. no idea why. didn’t feel super awkward, but i can’t stop kinda self-cringing about it.

Any Visual Designer's looking for a new job opportunity?
Contract or Contract to hire
Remote

Need to be a able to work in the USA

In the last PDM town hall, they said they were going to lower utilization targets for those that work on projects with capped hours. For those people, have you seen your utilization target lowered? I haven’t seen shit change for me.

Are hexaware offices opening this year or next year ?

Anyone here whose joining is on 27th june?

Do we know who the new BBDO recruiter is? Thanks Chicago fish!

Anyone have any good contacts at ARC? I’ve been trying to get in with no response ( account management)

Looking for insights about Symmetri. Anyone know about it from the inside? Seems like a nice, small agency, but would love more info, thanks!

Hi Fishes
Is being a Salesforce developer a desired skill in the IT market ? (Present and 10years from now)

Please tell me as i am deciding to learn b/w Salesforce development and Full Stack Development.

Yoe : 1.3
Current tech stack : SQL, INFORMATICA, Service Now

Hi Fishes

Please give me 11 likes. Need to DM directly.

What movie about history is a must show in your classroom?

Hi, what vendors do you like for 360 assessments?

Hi, I am looking for a Architect who has hands on java application developing experience with azure platform. The candidate should have 7-8 years of experience. This position is in Chicago. This is a immediate need - can be hired in December if all goes well. No visa support. C2C please excuse.

If interested, please reply individually to this post.

Thanks,

Hey TW,

Is there a HLD or LLD or both design rounds in java dev interview?

I got the offer from TCS, just checking as I have now another offer in hand and thinking if TCS can revise my offer.
Does TCS revice the offer after accepting the current offer letter?

Considering adding a REIT index to my lazy portfolio allocation for my 401K and Roth Accounts. Thoughts?

Hello 🐠- first time home buyer and closing is in next 45 days. Have a decent Credit score (757) and Worried with fluctuating bond yields/ interest rates . Any suggestions on how to research for better lenders with less interest rates. Searching online gives too many confusing results. Few friends referred some (3-4) lenders who provided similar rates to me. I’m now confused if I need to keep shopping with a hope for better rates or to stop and lock with better one among these lenders. TIA

Thoughts on Jumia stock?

Transferring IRA from Vanguard to Fidelity - do I have to liquidate my holdings?

HSA vs FSA. My current employer doesn’t offer HSA but, offers FSA. HSA is no brainer. But, not sure about FSA. Any advice??

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

If I make $120k base and have 50k for down payment, what should the house price be?

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

I have a 401k from my previous employer in Meryl Lynch. Current 401k is in fidelity. I would like to know if it’s easier to roll over ex employer contributions to fidelity (or) open an independent IRA account. I don’t intend to withdraw money from or take a loan on 401ks

Thoughts on vanguard money market funds to replace HYSA in today’s market?

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

PwC fish: how can I do an in-service transfer of my after-tax 401k contributions to my Roth IRA? I was planning to roll them over after I leave the firm but saw in other thread that we allow in-servic

Hi! I’m finally closing my HSBC accounts (terrible customer experience and bad app). Just signed up with Chase for my checking. What would people recommend for a general savings account (for my rainy day fund to sit)? After 401k contributions I just put everything into Betterment. Is this a good plan? Recommendations/ advice appreciated.

do you prioritize maxing out your 401K or investing in something that has a lot more potential to grow like stocks? and why?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Does anyone invest in crypto ICOs? Based in US, looking for a good platform to invest through

I’ve been using CoinList, but lately all their ICOs exclude US - so maybe we just don’t have many available to us anymore

Question for other people with student loans. When the deferment period ends are you planning on making a lump payment or are you going to wait to see what (if any) student loan forgiveness comes through before you pay?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

Thoughts on brk.b for long term? Thinking of getting in at this point.