I'm planning to buy a house soon. What's your strategy for optimizing the down payment on your first home purchase? I mean in terms of balancing immediate costs with long-term financial benefits... Are you considering factors like PMI avoidance, opportunity cost of invested capital, and potential tax implications?

What’s going on with the stock market today?

Started my grad job in consulting and keen on getting a credit card - any advice?

I am going to buy AntShares aka NEO bigly. It has a potential to go to 100$

If you were to invest ₹10L today for a period of say next 5 years. How would you do it?

Target is to have 15L by end of 5th year and NO investment can be made into real estate.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Best options to get loans for a studio start up?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

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

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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.

NYC struggles: 1st paycheck to rent, 2nd to pay off credit cards. Almost none for savings. Maybe it's time to rethink my lifestyle of drinks and debauchery ✌️

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

Yo where tf can I find investors interested in cannabis tech? We're a genetics startups doing 25k MR, growing 20% MoM

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

How do you navigate a job offer that is contingent on the firm calling professional references? I don’t want to tell my current firm I’m leaving for this other firm until it’s official…which means I can’t use my current bosses as references. I have been with this firm since I graduated law school (5+ years), so I don’t have other legal references. I had a pre-law career…but that was so long ago. I’m not sure what to do…any suggestions?

M here who has a decent amount of random grey hairs. Rest of hair is very dark, close to black, so they stand out. Any recs on how to get rid of them?

Making partner at my firm! $250K budget to get a celebratory car: recommendations and why?

I currently drive a GLC 63s which I love. This would become my daily driver I suppose; but I don’t want another benzo.

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

My birthday is in two weeks and I just lost my job. 28 is either going to be fucking amazing or a complete disaster. I’m hoping for the former, but who the fuck knows these days.

Hi guys what is the expected from CTC for 4 years experience in .net + react js

PwC CMAAS or KPMG FDD? I have no idea what to pick, just sick of audit.

This is second time I got offer from CGI but now I have again a better opportunity. So if this time I reject will there be any problem for me in future?

All my pwc 동료 선배님분들 r u at this holiday party let’s have a dam bar together

Need a referral for a Software Engineering position for AWS!

Hello Fishes,

I have 2.2 YOE in Java development ( Spring boot, Rest API, MySql)

Can I get few referrals?

Thanks in advance

Hi Fishes,
I joined my current organization 3 months back.
Didnt allocated any project yet.

Now i am looking for a change:
Can someone refer me:
YOE :8.9
Location: Bangalore
Notice period: 30days
DOB : 01/06/1991
skills: java, spring boot, hibernate.

Thanks in advance

Any senior NYC partnership/paid media roles open in the new year?

I feel like I've been lowballed, can someone explain the below breakdown please?

Base salary: 60k
Quarterly quota (per quarter): 107k
Quarterly bonus (per annum): 23k
130% Annual bonus = 11.5k
"23% commission on quota minus base": 37k (don't understand this)
"Proposed 23% commission on 150% quota minus base": 86.5k
Sales commission threshold per month: 22k
OTE: 122k
Cost/Sales: 28%

That base salary is lower than my previous base by a significant amount by 32.7%

Got my news today that I'll be Senior as of July 1, awesome!!!!!!

Tough investing market out there!! What are some investment strategies to consider during these times?

Are coverage group hours better than m&a at your bank? From a lifestyle standpoint

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

How do you find out who’s “top bucket” and who’s not? Do they disclose this? Also how do you become one?

Interesting all the noise about these PPT, my take:

The pandemic took all the upside of an IB analyst life (client meetings in person, fancy trips, suit up, worshiped at networking events) and left all the juniors with the downside (long hours, monkey-like type of job, aggressive work environment).

Not that the complaints are not sort of legitimate but you may need to revise the decision-making process that led you to accept a return offer. Specially if you were looking for less hours.

Anyone analyze QoEs before? Need to come up with questions for due diligence call and looking for some guidance

Does anyone know typically how many rounds there are for hedge funds interviews and how soon after interviews I’ll hear back about next steps?

Equity research associate considering to pivot into IBD. Is this a wise choice? Heard ER is an exit for some of the IB folks out there.

Nyc based. Is it at all possible to make at least 200 base in corp dev or strategy at a tech company? Super burned out but don’t want to take a paycut in base. I realize I’ll never make all in comp the same in tech but if I can match base I’d be content.

I have a meeting with a CEO of a start-up IB. She is meeting to help guide me in the industry (not just a job interview). What questions would you ask?

How many times do you think about quitting per day?

DB ECM - does anyone have a view?

Has anyone who lateraled for an experienced IB role gotten moving expenses reimbursed? If so, how much was it? Thanks

I am new in London. I have 4 years of M&A experience in the buy side. I have come across an opportunity to work with Rede Partners in London. But I am not aware of what exactly they do and what to expect going ahead. Can someone please guide if they are aware of Rede Partners?

Left IBD to quickly - VP1 opps?

Long story short - was lured into an opportunity to do BD for a large PE PortCo… better work/life balance, but honestly miss the deal cycle.

Anyone know of open VP1 opps right now?

Quick background - former MM banker (think Raymond James, Piper Sandler size) doing FinTech and Asset Management within FIG, but also open to other sectors.

Thanks!

Does anyone know about Sage Group? Seems to be a boutique firm but not sure about their culture and overall dealflow in the market.

I just graduated from a nontarget in Dec 2020 & am currently interning at PwC before I go back to do my Masters. My initial plan was to accept my full time offer and slowly work my way into IB.

I see postings right now for FT IB analyst programs. Should I even try applying online?

Ik recruiters don’t really read cover letters, but I learned about banking rlly late into college. i’m the daughter of blue collar workers who don’t speak English so I never really knew what jobs were “prestigious”

What are realistic expectations for 3rd Year Analyst / Direct Promote Associate bonus range at a BB? Note that at MS, 2nd year bonuses in my group last year were 90-115K, while MBA associates received a pro-rated 90K stub (~40k). Personally would be pretty unhappy to take a pay cut between 2nd and 3rd year…

Thoughts on PJT strategic advisory?