If there's a rate cut in September, how do people go about refinancing?

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

Just received an email from compliance that Wealthfront should be labeled as a brokerage account and needs to be closed. Anyone know how to work around this? Using it just for the cash savings account

Make $80k a year, pay $1,440 for rent, haven’t grown my savings in 2 years. Is it me, or Sf?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Might just start a YouTube channel screw it, maybe it will catch on and I’ll make some cash to hedge this economy

Is anyone planning on trading water futures?

Has anyone been able to refinance student loans on F1 OPT / H1 visa? Would love to hear about your experience.

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

Soooo what do we think about the new ADP program?

Is it smart to invest in Apple right now?

Does the UK have tax breaks for people with kids, mortgages, etc. like they have in the US, Singapore, etc.?

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?

I have a car lease that I’m trying to get rid of in NY. My in-laws want to buy the car from my lease and give it to their mom, but I would have to buy the car out myself and then transfer the title. The plan is to have 3 people write a check to me for $10k each as a gift. Then I buyout the car using $30k. When I transfer the title to their mom, do they have to pay the tax? The buyout price ($30k) already includes sales tax, and if we have to pay tax again to transfer the title, it’s 👎

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

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)

Accenture vs ZS for WLB?

I have technology backgorund but if ZS WLB is good might consider strategy too.

Anyone up for chat😔😔 Feeling low...

I am about to transition from being a junior partner at a large law firm (my practice has focused on private equity M&A) to Deputy General Counsel at a large-ish Pubco. I am already giving myself a crash course in public securities and corporate governance from my firm’s training materials and my cap markets partners, but I also wanted to poll the audience for other suggestions on how to become as prepared as possible for my new role please. Thanks in advance!

Anyone interested in applying at Bain Capability Network?
Happy to refer for open role
:)

Hi Fishes , Good Morning ,

Am looking for QA openings (Manual Testing) Can you guys assist me ?
Overall exp : 8.9
QA exp : 6.2

Currently am working in healthcare domain and having EDI experience. Looking for helping hands. Thanks in advance.

Anyone have experience working in sales for a startup? What are things to consider? Got a recruiter contacting me about an open position very similar to what I do now, at a startup.

Hi I’m in the interview process at PayPal and negotiating salary. The position is a Manager L 25 in Reg Reporting and I’m trying to figure out a range for Florida but can’t find much at all. Any guidance would be very appreciated

Hi All,
Can anyone help me with a referral in PwC.Thanks in advance

What are the current vibes at Chiat Day?

Does ZS roll over unused PTO from one year to the next? How do people make it work with just 15 days at first?

Let's have a productive conversation about the Google employee who was just fired for his controversial diversity memo

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Any dermatology research opportunities?

Notice period in jpmc is 1 month or 2 months?

does booking sick date or vacation impact utilization?

Is buying fancy condos with high HOA(>$1k) worth it?

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

I'd like to buy, but the market is absolutely atrocious currently

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

Thinking about using my VA loan in a few years. Any advice?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?