Just heard about new good credit score tax or higher mortgage rates for people with good credit score.
Is this happening?How will this impact real estate market?

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Is the real estate market slowing down?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Any one doing home mortgage with First Republic? Do they have conditions like rollover old 401ks with them?

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Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

I have gains from stocks.. as LTCG. Do I need to file ITR 1 or ITR 2?

Any recommendations on JV funds, hard money, private equity etc to fund MFC deals and great residential deals brrr/flip. Finding some great deals in my local market. Any tips on raising capital or attracting investors?
Thanks in advance.

Fishes,
Im working in Ey india,
Do i need to declare personal loan anywhere is it required?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

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

Besides working, how do you finance pros typically spend the weekend?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Looking to buy a home in Dallas area. Which are the top areas with good hospitals and schools nearby?

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

What should an expected relocation package ($ amount, moving support, etc.) be for someone moving from the US to the UAE to work at a new firm?

Hello Fishes,
I cleared the Level 2 interview as an Appian developer. Could you please let me know what Level 3 interview would be about? Thr HR said it's an interaction session with the panel. But should I be prepared technically?

Experienced hires who have recently joined Big 4, how rough has the transition been?

Hello,

I’ll be done with my masters in Medical Biotechnology in December and have done my bachelors in pharmaceutical sciences.

I am thinking of looking for jobs but I am kind of confused. I don’t know what roles or positions to look up for. Any help will be appreciated.

Location: Canada

Any Jr Ads out there looking to make a change/find a job and want to team up? I'm trying to apply as a team.

Hi,

What Skill set is required for IT Business Analyst?

Any recommendation on where to get skin firming facial/ treatment in Boston?

I just got a new job, but it's not what I expected. I was expecting a career opportunity and a chance to learn and grow in my field, but instead I'm stuck doing the same thing as before, just from home.

What is the tipping etiquette on the free platinum breakfast in a JW Marriott? The server just gets coffee / orange juice and you serve yourself. It is an overpriced buffet that I would never dine in.

I have to do the AWS online assessment for the technical account manager role prior to the phone screen. Any insight on what to expect if anyone’s been through it recently please?

Do you play phone games during busy season?

Suggestions for a romantic bday dinner spot in NYC? Preferably veg-friendly. TIA! (will be end of September/early October so guessing most outdoor patios will be closed).

Where are the best tacos in Atlanta?

Hiya! I was wondering if anyone here has any good recommendations in terms of books or learning material that I can pick up to learn about sales and marketing relevant to the consulting industry?

What’s the hardest things you find about being a partner?

I Really need your suggestions.

I have 6 yoe in dot net.
I have 2 year of work exp on a very small company where there is no pf and sometimes we do not get salary also but i learn a lot of things there.
Now 4 year in infosys bpm
Now tcs background verification team is asking for my bank details and uan / pf, i really dont have it.

I honestly told tcs background verification team that i dont have these details, but i gave them my PM number

WILL THEY REJECT ME ?
MY WORK EXP IS GENUINE

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

What are your opinions on financing furniture purchases? Most of the big stores are offering 0% for a few years and I’m wondering if there are reasons I shouldn’t do it

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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.

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

My partner and I close on our house this Friday at 9am and I’m just so happy. I’m a public interest attorney and we worked really hard to save. This was after 10 offers. Just wanted to share 🥹

Any reason why the listing agent recommend I use a specific title company?

When renting out a property, can you specify which pets you'll allow vs not? Like no cats but small dogs are okay?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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

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?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

Once all the boomers are gone will there be a gult of homes? I have rentals here will they be worthless in the future?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

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

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated.