Is it a good time to get a heloc? i have a paid off 1.5 million house and no debt other than two average cars. My kids will be starting college in 2025 and I need 200-300K for the next several years as I expect to receive the similar amount 4-5 years down the road from my family.

do we have to report our virtual currency holdings to our company? For the sake of independence or something?

How do you keep track of your finances? Do you use a calendar, a specific software, what’s your favorite method?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Anyone recently got a mortgage through SOFI? can you please share your experience?

Boy at 23 earning 45k a month.

Will the society accept me.
Will I be able to earn 150k-200 a month.

Just having a second thoughts so writing it down

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

What platform do you guys use for buying ETFs ? Can you recommend high fielding ETFs ?

Why has real estate remained lucrative?
Mainly agents but also developers.

The barrier to entry is low, not even sure if graduating high school is needed. My old agent even said she did it bc she can make a lot money and not work that much. She drove a new Mercedes and sent her kids to private school, husband was also an agent.

So I’m curious why it didn’t get flooded and the profit margin dampened to a $/hr closer to other jobs with similarly easy entry?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

Investment gurus - Appreciate pointers for resources (books, blogs, videos etc.) to read up on investment strategies. Just getting started and could use all the help. 🙏

Do we have tax calculator in tcs

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

If I contribute to a solo 401k, is the additional profit-sharing contribution (the 25% of compensation after the $19500 contribution) based on my gross income, or is it based on gross income minus expenses? Thank you🙏🏼

8k range was the long term 200 day MA support that everyone and their mother said they would be buying at. Well it’s 8900 and buy volume is basically nonexistent..

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

What do you guyz think of Bitcoin Cash (BCH) ?

What is the average fee (%) for commission only rep ?

Any one looked at the budget hours and think they were unreal? I am updating the actual hours compared to budget, feel stupid & inefficient when I see I'm so over budget. Or maybe I should eat hours?

Who else skipped the holiday party at your office? Some of you fuckers are the last thing I wanna see after spending all day dealing with your bullshit.

Who all going for happy hour tomorrow? Supposed to rain a lot :(

Will IBM revise offer after accepting it ?

Tried and true methods for getting your girlfriend to give more oral?

Hi there, Any idea how long NielsenIQ takes to release offer letter?

Does anybody know what the typical salary range is and total comp for someone starting out as an internal or external wholesaler? If you are one of these, can you share about your experience in terms of whether you liked it or not, work life balance, travel, etc?

I'm in logistics and can tell you from experience, getting mad will not solve the problem

Does HSBC HDPI provide transport facility in Hyderabad?
If yes, is it free or chargeable?

Has anyone taken the SHRM-SCP? Any study suggestions and impressions of the test?

Any good product management online course? I saw some previous post recommending Cole Merced and am planning on re-reading a few books on my hand but wandering is there any more recs?

Any established or startup fintechs looking for a senior lead,/head of talent acquisition? I have several years of experience scaling up startup environments and building capacity along with instituting process improvements and efficiencies. Happy to chat. I'm based in Bangalore but open to move for the right role.

Guys, does Barclays have any projects which works in Power Platform technology ( Power Apps, Power Automate, etc)??

I need a referal

Hi all! As part of joining formalities, Barclays requires the document showing epfo linked with Aadhar. I have not linked aadhar with epfo. Only pan linked. Is there any alternatives available?
Also I tried aadhar seeding in Umang app, that too didnt work.

How much does a manager at EY make within Forensics?

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

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?

When is a good time to start looking to buy a house if you are currently renting? Like 1-3 months before your lease is up? My fiancé and I don’t want to rush the home buying process, but wanted to see if anyone has experienced this and their thoughts if they would have done something differently.

Any recommendations for buying agents in Massachusetts?

Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

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

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

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

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

In my market, you have to waive financing and mortgage contingency to even be considered. Annoyed this is now common practice. 😞

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

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

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.

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615