Looks like the Fed increased a quarter points again on interests. Any insights into when we can expect the interest rates to start going down. One year? Two years?

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

Paid off my car loan within the same year of buying. I'm debt free now! 😊

I worked the majority of 2020 from home. Office is in NYC but live in another state. Why do I need to pay tax to NY?

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

Is now a good time to buy a house?

Got a loan rate for 3.375% for an appt. This seems a little to high. Thoughts?

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Whats the second source of income for a IT employee ?

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

Amex platinum vs CSR??

where is the best place to sell or trade in my used car? (2019 van low km’s)

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

If I leave big law for ADA will I get canceled?

Recently i have got an offer from Wipro . Can someone please help me with the annual appraisal/ Hike ? What is the avg hike they give to B3 band employees?

About a month ago I got stuck behind this huge bicycle event called "Critical Mass". Probably sat at the light for 20-25 minutes before I could get through. Noticed a bunch of them doing irresponsible stunts like wheelies or drinking beer as they rode. Anyone else encountered these jerks?

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Are there any FIFA pro players here? Friends PS4 is here with me and I'm learning to play Fifa 19. Im ok but want to get better. Any pros who can answer questions and give me tips?

I have been promised a promotion three times now, but when the time comes, I'm told I'm not there yet. Why promise something if you clearly don't want to execute it?

Hello all

Can someone please help me how to get an offer when we have 90 days notice period? As most of the consultancies are expecting only 30 days. I wanted to move out of tcs as I'm not much comfortable with the project and team.

Expecting a suggestion from you all.

How good Cisco is for finance professional? I mean in terms of growth opportunities.

Watching 60 Minutes about how badly US financially affected from CV including unemployment. We’re blessed to still be employed. Anyone have uncertainty still, even when firm communicates “layoffs last resort”?

Can anyone explain why insurance defence work in the US is such a terrible place to be? I work in insurance defence / coverage (financial lines) based in London and it doesn’t seem like it has as negative of a reputation as it does in the US, why is that? 👀

How's the policy in the natwest in terms of return to office. How many days it is compulsory to visit office. Is there any work from home policy there?

Will be in the market for a car in a month or so - narrowed down to Mazda CX 50 Turbo but the BMW X3 is only around $5k more compared to the Mazda Turbo trim I liked. Torn between these 2, would really appreciate any advice/insight in making this decision in regards to longterm ownership, rate of depreciation and maintenance.

Hi Fishes,

Is there any Referral opening in your organisation for below skills.

.Net core and Azure

Serving Notice - <1 month left

Kindly DM or comment below.


TIA

What’s your fave shop that integrates social/digital into their creative?

Thoughts on CVS Health?

I’m a private immigration attorney whose interested into transitioning into a high level federal government attorney position in the future (not in this administration). Ideally, I’d love to work in the solicitor general’s office.

I’m only a year or two into practice and am wondering if there are any tips to best position myself for this type of position? I don’t anticipate making any moves that way for at least 5 more years. No clerking experience or law review, so that’s -2 points for me

does booking sick date or vacation impact utilization?

Which offer should I accept? Currently staff 2 at big 4 in Tax with CPA license. I want to leave tax ASAP. Both are public companies +1B in revenue and same salary. Offer 1 - staff revenue accountant so reading contracts, speaking with the sales team and legal team, a lot of work at the end of the months to close books and reconcile transactions to make sure we are ASC 606 compliant. This track usually leads to director of revenue. Offer 2 - internal audit staff so SOX and compliance projects.

Do you consider Accounting to be a STEM major?

Anyone in Austin tomorrow for USGP?

Anyone take the WI Real Estate state exam? Any tips on what to study?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Any Property Management recs in Seattle area? :(

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Any one knows what’s the easiest way to order a radon test for new construction?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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

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.

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

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.

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?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.