If I’m quoted 5.5 rate is it unwise to buy down to 5%? I plan on holding the home even if i move into a rental eventually. I guess I’m asking if you all think any chance rates go down because of a recessionary period…any folks have anecdotes of past recession and rates? It’s a good area and the home I’m looking at is 4/2.5 2000 sqft in an area w good schools so I’m less afraid of value drops in short term (listed 270k in tx)

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

Dumb question but anyone know what’s going on with KO in 2021? End of 2020 had stock approaching $60/share but then it crashed below $50 in 2021.

Thoughts on buying a 2nd house in this market? Need a property close to the slopes here in CO. When do we think the vacation market will bottom?

Is putting your rainy day fund in something like VGLT a terrible idea? Trying to consider options outside of HYSA, with a bit more juice.

Hey folks I applied for a credit card they were asking for official mailid is it legal to provide bank mailid for credit card processing?

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.

How do you sell the benefits of managed money to your clients?

Looks like stocks are back on sale

Decided to payoff my mortgage.

Best financial advice you’ve received

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

General advice for first time home buyer. Single, male, 26, lcol- stl mo... let me know what you wish you knew/ tips!
Thanks :)

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Is it unwise to be investing for my future mortgage down payment? I hear to keep it in savings, but this isn't exactly short-term. It will take me at least 5 years to accrue what I need, and even longer if I have to just save up for it in cash.

Best stocks to buy/DCA into during the continued recession/incoming pain?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

Who’s buying Dave Portnoy’s BUZZ ETF this Thursday?

Hi everyone! What do you invest in after maxing out 401k, IRA, and HSA? Thinking about real estate or continue investing in the market?

Currently making 140K with 100K NW. 23 years old.

Thank you!

On the transactional side of things, what is the expectation of Associates to start bringing in their own work, or start developing their own book of clients?
When they are mid or senior level?

Can some one refer me for finance transformation role at Deloitte?

How can i get my entire relocation allowance, as I would be shifting from Pune to Banglore and company is offering me 1.5Lac for relocation.
They are asking for the bill.

How are 1st year litigation associates dealing with WFH? I’ve been having terrible anxiety/panic attacks, and pretty sure my billables wont exceed 110 for April. I’ve been super stressed about it and don’t know how to move on to May with the proper mindset to make up for as much time missed as possible. CA courts are still closed, and I’m worried I won’t be able to exceed (or even meet) my May goal after April.

Negotiating a settlement. I’m at $10k, opposing counsel is at $20k. My client won’t go higher than $15k. OC has come down to 17.5k and says his client won’t budge from that. Do I offer 12.5k so we can hopefully meet in the middle at 15k? Is that how the settlement game is played? Seems dumb we can’t just say let’s meet in the middle now and be done with this. (I’m a first year, first time negotiating a settlement on my own and I don’t want to screw this up!)

I don’t want to make partner, and I want to stay in big law for 2-3 years, do you suggest I just do the bare minimum for hours or should I still be doing as much work as possible?

How rigid are practice & office alignment at EY? Considering an offer in FSO Digital Strategy on the west coast, but want to understand how difficult it is to switch if I later determine there’s another practice more interesting to me, or if I’d want to move office locations. TIA!

Polling those willing to share. What is your OTE? And does your base comp ever increase based on performance or a merit increase?

Can someone tell me more about citrin cooperman NJ office? What’s the culture and work life balance situation there?

Hi folks,
Which company is better to join... Having experience of 5.4years as Java Backend Engineer. Cvent or Nagarro or Cognizant?

Hi Fishes

Please give me 11 likes. Need to DM directly.

Does anyone have any thoughts on/approaches to doubling up on bookings? In these times, doing remote post production, I think I’m capable of taking on two jobs at once but do I let both jobs know? Or do I just take them both on if I think I can handle it? Any recommendations on how to juggle both?

What is avg salary for 5yoe java fullstack dev in UAE

Is it true that KPMG has the biggest FDD practice because their audit clients are so small that there's hardly any independence issue with bigger clients?

Google Fishes…
I have two referrals for a position that I’m trying to apply to, however only one of the employee referrals is showing “attached” to the application. I accepted both employee referrals and they both show under my google account, but for the specific job application (which hasn’t been submitted yet) that one referral just won’t show up!!

Anyone know why or a solution?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

How does a consultant or associate director/above in industry manage their properties if they are always in meetings ~7-8 hours per day? Eg does one call contractors after work hours? Does one hire an individual property manager to take care of a few properties? Does one hire a property management firm?

I imagine one can still self manage as long as you have initially found the go-to people for your maintenance/fixes (eg plumber, electrician), then can quickly text them for appointments

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

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

What, if any, were your main complaints?

Those living in 1960s & 1970s homes, how do you overcome the fear of asbestos in home materials even though the home has been updated. Any tips overcome the worry? Not yet tested for asbestos

Tomorrow is a big day for me!
Made a written offer on an apartment on Sunday. Owner‘s starting price was 500k. My offer is 450k. He thanked me and we are meeting this weekend to „negotiate“. Tips?

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?

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.

Anyone want to aspire and get their real estate licenses together for a side hustle?

I’ve got a partnership w/ two of my uncles. We have two houses on rent. we use the profit from the homes as a single pot where we pay for the maintenance expenses (different cash flow from each). We are close family and they trust my judgement. Another of my uncles wants to join for the next home we buy. How do we split/ allow their buy in to our partnership for the next home? I don’t wanna add extra accounting of maintaining expense/cash flow from the next one we buy as a larger group Thoughts?

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

I have better. com offering me 3% with ~800dollar credit vs another at the same rate, no credit but it's a loan officer recommended by my realtor who has actually been very helpful. I have heard service at better tends to lack after rates lock. Any firsthand experience?

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

Where are you buying your kitchen cabinets? Used Ikea in the past but that's clear not going to work right now.

Is it worth to keep being a small time real estate investor? Two homes, 600k value, 300k equity, combined monthly cash flow only $1100.

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

As a single person, is it weird to buy a big 4 bedroom house instead of a 1 bedroom condo?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.