I’m a first time home buyer in the process of making an offer on a condo in the DC area. My realtor is stating that earnest money is a requirement to submit the offer. Is that true? The condos been on the market for almost 3 months and no indication of any other offers being submitted recently. I’m not seeing the value in putting that money in escrow upfront if there’s no additional offers on the table.

What grants are available for first time homebuyers (non/military)? I could only find ones for low income.

Just got a quote for 30 year fixed rate mortgage at 5.99%. Thoughts?

Anyone have a private company SaaS financial model they wouldn't mind sharing to get some practice on?

Thoughts on buying nft from meka? Good flipping opportunity in the future?

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best?

-32% on MSFT calls. Ride through ER it cut losses? 6/19 200c.

Anyone eyeing IPoF IPOd or BFT?

Anybody have a mortgage provider they like?

Currently looking at out of state multi families. For rents that aren't advertised on Zillow/redfin, is there a way of finding out what tenants might be paying aside from looking at comps? Is there a way to filter the search to only include listings with this info?

How much % or $ you think is safe for margin debt or borrowing from fidelity. I am tempted to take margin debt to buy stocks on fire sale. Generally I don't like debt and keep it zero or 1-2k. Want to avoid margin calls in the event stocks goes down more.

Has anyone successfully refinanced a non-US student loan (e.g. from Prodigy Finance) in the US? Which company did you use?

Is providing ssn for a credit check common for new engagement? I’m not sure if it will be a hard pull causing my credit to drop and if I can decline it. Advice?

Looking to support a new APIA founded startup? Well look no further!

Have you ever found something online and thought "... if I buy this, what about my anniversary gift, that trip to Europe, the car I always wanted..."

Well I have and founded Okane (money in Japanese 🤑)

Okane is a free Chrome Extension that focuses on goal-based budgeting. We track your wealth and help you save for your future goals while avoiding impulse purchases, right as you shop online. ( okane.crd.co)

Lmk what you think!!

Would you try to negotiate price change after signing a P&S given the following facts? The home had a pipe burst in November 2021. The pipe is fixed. Damaged area is down to the studs. The home itself is over 130 years old. When we signed the P&S the market was still hot, so we couldn’t negotiate a home inspection. However, we are getting the home for well below pre-pipe burst asking price. This past week we visited and noticed the water was not on. We don’t know for how long it’s been off.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

I’m on track to save ~70k this year on a total comp of about ~135-140k (pre tax). Thanks everyone here being a great resource!

What's good to give the realtor as a thank you gift as a seller? Any advice? Thank you!!

How do 10 million dollars look in your account?

Hi All,

I joined a competitor company due to toxic boss in June 2022 which my previous company has got idea about and have still not recieved F&F money and experience letter since 3 months.
In the offer letter it was written that I am prohibited to join competitor company after resigning but I got to know from sources that such contracts don't hold any relevance. I am waiting for 10 more days as HR told me it is in process and then planning to file complaint in labour court. Suggestions please?

Are there any strategists here whose English is not their first language?

How did you overcome the language hurdle to be sharper and persuasive in your writing?

If I take a more senior role at a no-name regional place (at a known, big agency now) is that going to be a barrier to move to a more reputable place down the road?

Deloitte Cloud practice vs. Accenture Cloud practice. Which one is better?

UK specific query - If my company cannot find me clients/work and want to dismiss me because they are unable to find work for me at no fault of my own do they have to provide a severance package?
UK law says it’s easy to dismiss employees with less than 2 years service but it’s a big grey area. Anyone got any experience with this?
An Employee with less than 2 years service

At a tech company how does the level gets translated if I am coming from a non-tech background?

Looks like TechMahindra is calling its employee back to office . My friend Received an email from their manager asking them to return to base location as they are planning to ask employees to return

Does anyone have the elite Air Canada phone number? I can’t find it ……

Client go-live and I was requested to support on site. I don’t feel comfortable flying so I want to drive there. Is this a reasonable request to raise? Can partner reject me? About 1000 miles drive & plan to stay for 2 weeks.

I just started in-house for the first time, as a first in house (IP) attorney in the US. I’m new to the role and the company is new to having an attorney. Please recommend where I can learn about in house best practices? For example, I’d like to set up proper communication processes to maintain attorney client privilege whenever possible, and other new processes to mitigate basic legal risks. Is there a comprehensive checklist or a guide?

Been helping out my sales director with some stuff lately, our only AE jumped ship. Mainly SDR style contacting and also outside sales. And I may actually…love it?

Meeting people, the volatility of the deal, the thrill of when a client signs.

I did “sales” back in college that was really just service work with 0 commission despite me being a “top producer” which really turned me off of it. But now I’m like… has anyone else gone back to a job they said they’d never do again?🤔

Who decided COVID was no longer a thing we need to think about and discuss and on what basis? Is everyone okay with the way it just disappeared from this bowl and news in general?

I have accepted an offer for bangalore location .. what is the chance of getting the base location changed to Mumbai .. during interview they specifically said it is for bangalore location only and I agreed to it.
Would it be okay to discuss this before joining.

Which rooftops in Paris have the best views of the Eiffel Tower and/or Paris overall?

How is the wlb in International Tax at Big 4 in Toronto?

Currently looking at out of state multi families. For rents that aren't advertised on Zillow/redfin, is there a way of finding out what tenants might be paying aside from looking at comps? Is there a way to filter the search to only include listings with this info?

Anyone have a good information for appraisals? What do they look for in renovations? eg hardwood vs vinyl, modern trends like black hardware? What are the biggest value drivers?

Looking for investor friendly realtors in Dallas. Let me know if you know any.

Would you try to negotiate price change after signing a P&S given the following facts? The home had a pipe burst in November 2021. The pipe is fixed. Damaged area is down to the studs. The home itself is over 130 years old. When we signed the P&S the market was still hot, so we couldn’t negotiate a home inspection. However, we are getting the home for well below pre-pipe burst asking price. This past week we visited and noticed the water was not on. We don’t know for how long it’s been off.

What's good to give the realtor as a thank you gift as a seller? Any advice? Thank you!!

Perhaps an experienced landlord can advise:
- Moved out of rental early, new tenants moved in early. Was told we would be paid rent back for the days the new tenants took over the lease. - First time not being with a management company, forgot to send landlord forwarding address within four days (cont. in comments)

Any multi-family homeowners out there? What are some of the Pros and cons to buying or owning one?

Is there an app to target specific houses or streets for when they go on market?

There are certain houses located along certain portions of some roads that I don't drive by regularly. But I would love to know if any of them ever go on the market.

I was thinking it would be great to have a Google maps like app that you could browse and select a bunch of houses and eventually get a notification if any of them ever go on the market.

Or, is there any other low effort way of doing this?

I’m a newly investor in Washington and have been looking at apt buildings or duplex/multi family for my next venture! I’m looking for my first purchase!

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.

Any investors in the NYC area?

As a landlord, could I keep flood detection sensors in the house so I get alerts?

Has anyone gotten a real estate salesperson license (not broker license) to avoid paying the buyers agents commission? I read that a real estate salesperson has to work under a real estate broker, so I'm not sure I'd be able to avoid the commission even if I get a real estate salesperson license. I live in MA.

Anyone using credit cards to pay their mortgages? Is it possible to get the processing fee of 2-3% waived off? Feels like am leaving a lot of money/points on the table by paying it through my checking.

Can someone with airdna premium help me out with access?