Is it a red flag that 3 people want to rent my property on 1 lease?

Pretty new to investing. Can someone please explain what a SPAC is? And the difference b/w a SPAC and a VC?

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Really hoping to avoid judgment on this post. Has anyone had to sign up for government or state assistance after becoming unemployed? Was the process difficult? I have a young son who's at home with me all day right now and I'm looking for a job that I can work from home, but in the meantime we need to eat and I need to pay my rent. Thanks for any advice.

I have $1000 worth of Amex gift cards. How can I drop it in crypto?

Anyone else holding out to 1 year AT LEAST, in order to get long term cap gains tax rate? 🙏🏻 every day passing is a day closer

Is there any way to get around the coinbase fee when buying crypto?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

How long does it take to make at least $300k per year if you are in-house?

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

I have a new prospect. Small business owner that wants to start a 401k for himself and his employees. Who would be the top 2-3 organizations I contact, and what questions should I ask the providers?

Going through a closeout. 50-50 profit share allocation, but my business partner has been using the venture money at their personal piggy bank (hence the breakup). My accountants say because we agreed to 50-50 shares, the leftover money has to be divided equally.

They spent $100k in the last month on random "work stuff" but bought a new car, etc. Now I have to pay for it with less equity return!

Just wanted to rant, I'll probably never go into a partnership again.

What are your thoughts on ESPP?

I have a place in NYC and FL and planning to stay in my place in FL for a good 8-9 months. Is it fair to keep my job information the same and just declare to the IRS where I spend my tax year? Or do I have to actually relocate back and forth?! Using TurboTax, it looks like it just asks you where you lived & work and how many months.

What are the best ways of tax exemption

What is the advantage of having a checking bank acct? I only have savings accts. Am I missing something?

I’m a new associate to a T&E group, partner goes away on vacation and leaves me with a 706 to review and sign. The family is very wealthy. Decedent married for 60 years. Partner says it’s “just a DSUE election, decedent was ill for years, no assets.” Provides no records. Not even an admission the decedent owned a toothbrush. So I looked up the decedent’s home - it’s a joint asset. Partner was “surprised”, and still insists “no other assets”. I found file references to art and antiques.

With all used vehicles so inflated, Does it make more sense to buy new? I need a car and have a budget of 15 to 20k. Which car would you get and why? No family, single, don't drive much. I like the lexus IS, Camry, etc.

Just signed the offer for my exit. Getting a 30k+ signing bonus, and would like to hear thoughts as to some good ideas to invest this to maximize my potential.

Some ideas I had is putting some in a ROTH IRA and the rest in a high yield investment account or a VOO, as extra capital I can use to invest in real estate or start a business in the near future. Would love to hear what the bowl recommends.

I am a Business Analyst. I have 10 years of working experience in India. In May 2022 I will complete MSc Business Analytics from Maynooth university.
In the past I have lead a team of analyst performing multiple activities like sales analytics, web analytics on Google analytics, I have also worked as a scrum master in certain projects
I have worked with tools like tableau, power BI and now alteryx any suggestions for the job role I should look forward to?

Fishes, how has your life changed post acquisition? Better or worse? Pros and cons??

I’ve been with my company for 4 years and I’m thinking about applying for a new job. For references, I would like to use my coworkers but I also don’t want to bring up the fact that I’m applying to other places. How should I handle my references when it comes to applying or interviewing with other companies?

Hi I’m looking to make a career change into UI/UX. Does anyone have advice on where to start or the most time effective path. I’m looking into bootcamps and would appreciate any advice.

How are you doing with your 2017 resolutions?

The learning and design content I write belongs to the company where I work. Am I able to add and/or share my work in my portfolio? Is it acceptable to create some generic content to demonstrate my skill set?

What margins and font size are you all using for your resume?

When looking for recruiter at a particular company for design positions, do so reach out to recruiters in the holding company? How do I know who is the proper person to reach out to.

I have my second round PgM interview coming up. Would appreciate if you could please share some resources for interview preparation! TIA

How far in advance of when you want to leave should you start talking to recruiters?

What exits can you get with a pricing strategy background?

Any politics story in msft India.

Anyone live at The Grove in Chelsea or Sky apts near Hell’s Kitchen? Have temp housing options there for work and trying to decide.

Hi all,
I just moved here so this might be a dumb question so please don’t judge. Why does my laundry smell like pee and how can I fix it? I used a common washer and dryer in my building. Is it because of that? Is it mold? Is it the water? I air dry my workout leggings and they all smell really weird and I don’t know what to do 😔

Anyone have had any luck buying a diamond (for an engagement ring) directly from a wholesaler in NYC? If so, which one did you go to and what was that process like?

Any recs for mixology classes for couples?

Can we stay long term in nagarro for about 3-4 years thinking about it any suggestions

Hi Fishes,

Any reference or suggestions please to switch?

Yoe: 4.2
Current CTC: 4.5
Expertise:
Snow
BMC RLM
EOVS

Hello IBMers,
IBM has offered me X amount ctc and i accepted it on portal....now got to know that market valuation for 10.3 yoe is greater than offered ctc....can i ask HR to increase the ctc and change the band...will they consider it?...not holding any counter offer as of now

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

When selling a home have been able to negotiate lower commission with your broker if the buyer is not represented by a realtor (eg, 3% in this situation versus still paying the full 6%)?

Does buyer have to share appraisal with seller? Can seller request it?

Whats the best website to compare neighbourhoods within your state? Combed thru Niche but looking for additional reviews of people who lived there

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Hi - any good books recommendations for getting started on real estate investing?

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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.

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

How much importance do you give to proforma numbers when purchasing an investment property?

How do you go about selecting which mortgage company to select?