I’d love this group’s thoughts: currently have 400K 30 year fixed rate mortgage at 5.75%. Currently in my forever home so will be here the next 20 years. If you were me, what rate would have to be low enough to refinance to another 30 year fixed rate? Want to pay off mortgage asap. Thanks!

Who day trades / swing trades with another job? Any tips?

In particular wondering if it’s a sustainable side income or just for fun, and what are you trading (stocks, crypto, forex, futures, etc.)?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

What is the *prime* amount of money to bring you happiness?

Hear me out! I left my 15 year career in the corporate world to pursue being a realtor.1) It was never boring
2) It was the most challenging
3) It was extremely rewarding to be able to help families find their dream homes

How does the housing market work exactly, like, what determines whether prices go up or down?

What is your favorite part about being a realtor?

I’m clueless about 401ks. If I go to a new job does all that money I put into my 401k transfer with me? I’ve heard both yes and no so I am confused

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Is it just me or does anyone else know or have an inclination that their employer committed fraud after receiving PPP loans during COVID pandemic?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

If you only stay a year after returning what happens to the 10K relocation and 20K early signing? Are you required to pay back half or is it all yours?

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

Has anyone used EquityZen to invest in secondary markets?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

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

If I have 6+ months of expenses in investments in a brokerage account, do I need an emergency fund? Totally clear on the purpose of an emergency fund, but a brokerage account seems pretty liquid and the market would need to crash to a significant level to a point where I could no longer rely on this to liquidate and live off of if needed. Is it crazy to put my emergency fund to work by buying VOO with plan for a long time hold?

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

Have 200k to invest in real estate. Which option is better recc. Pros/cons?
CONT: For options —>

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Cognizant Sharks
What is this metaphosis event.
I have not join cognizant yet ;though I have accepted the offer letter. Doj 29 nov 2021
Not sure on Cognizant that I will join. I am waiting for better offer to be released.
Any inputs or guidance.

Do people think working remotely will remove some gender bias in the work place? Or impact people’s perceptions of women colleagues?

I have very little technical skills, just been making PPT and light excel analysis. I want to continue doing this type of work outside of consulting. What roles should I be looking for?

I've a question on what sections to put on a regular resume. I see some people are using consulting style resume for outside companies as well. Do you think it's a good idea to devide work experience by projets? Or is it better to have "projects highlights" separate from work experience.. something like: intro>functional expertise> project highlights>work experience>education?

Thoughts about breaking in to a middle eastern SWF? How difficult would it be to transition from consulting to investment roles like PE within SWF? Any insights into salaries compared to US?

Hi friends, I have few queries. Can you please help on this.

1. Can UST revise the offer they made if I show an counter offer? (They offered 16 lpa but now I have another offer with 25 lpa)
2. How much days it take for them to revise it if they accept the counter offer?
3. Is it recommended to join UST?

YOE- 07 Years
Skill- Test automation

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Any government or gov contracting positions in the public health space anyone can recommend? Any direct hire positions if gov? Looking to make $115-125k.

Hello, after doing some research I believe I’m being underpaid. About 4 months ago HR did a market analysis for my role. They bumped my salary for about $2k. I’m a mid-level Executive assistant with 6 years of experience and currently supporting 5 executives at a fortune 50 company. One C level and 4 Vice Presidents. I’m currently making $61,000 with bonus included. Based on my research I should at least be making $71,400. I have a check in with my boss tomorrow and I am asking for a raise.

How does LEK rank against consulting firms in the UK?

I’m thinking about flexing in June, but I don’t have a destination in mind. Anybody interested in flexing somewhere? Any particularly interesting or unique locations?

What are your favorite/must attend industry conferences?

Anyone with document review experience able to give tips on running searches, specifically nextpoint?

How to get US opportunities being in a product based start-up ?
I've got 1 yoe in NodeJS

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

What's the best city in UK to buy a buy to let property, with best returns?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?