Lusitania bank is offering 5.88 pc mortgage rate. Its a. 5 year ARM product. Any feedback on them or this loan ?

What are currently the best Canadian credit cards for travelers? Looking for Aeroplan or bonvoy points or companion tickets

Hi All. What is the best way to allocate 25 Lakh INR in savings into different investments to maximize returns. I recently moved out of India so Tax rebate is not a consideration for me. I already have 6 lakh plus invested in PF and MFs but I want to invest more as my money is getting depreciated in the savings bank account.

I also have an education loan with balance of 7 lakhs which I am planning to repay in lumpsum as there is no tax exemption now.

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

Relocating from the west coast in late spring. We have three kids under 6. School system is important to us. Thinking relocating to the Lake Norman area or Fort Mills. Pros and Cons. Looking to purchase a house and sq at least 3250-3500 min. Any advise for the area.

Can you choose to pick LIFO or FiFO during crypto tax filing team? Coming up on 1 year of buying my first few hundred eth, but want to ensure that I do FIFO to get the lower long term capital taxes

How do I transfer my PF amount to new organisation from HCL

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Hi folks,
I have a question related to PF online account. If we move to a company that has PF trust, can we see the PF gathered from that company in the EPFO portal?
Can some one help me understand this?
Thanks in advance.

Looking for names of some effective financial/investment planners. Any suggestions? Plz give only the ones u hv worked with or experienced!

Amex Platinum or Chase Sapphire?

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

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

Where do you guys go with new money under an advisory minimum for a year or so? Multiple clients saving 5-10k per month. A sh., C sh., ETF’s, other? Believe it or not, I don’t push WL insurance to all

Top consulting firms for building mobile apps - IOS or Android?

Anyone able to share assistant manager/experienced associate and manager pay bands for deal advisory (FDD, CF) roles at the big 4 in london?

Heyy does anyone have any tips for an entry level media planner? I graduated last year and landed a FT offer at an agency. I’ve been working from home for almost a month now and honestly it has its pros and cons. Not only is it harder getting to know your team, but there haven’t been much guidance from my manager and the lingo takes some time to get use to. I guess I just want to learn as much as possible and give off good impressions. Since everything is wfh I’ve been feeling anxious. Thanks!

Fishbowl Tinder ban Gaya ? Harassment k Case hue Toh ???

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

MSFT or AWS? As Tech Pre Sales and why?

Came up with an idea in an agency brainstorm, even who the influencer should be. Now it’s being executed, but I’m not working on it. Weird if I put it in my book? Maybe as just the one who came up with it?

Looking for advice: I have an analyst (9 months on the job) who still doesn’t get it - repeatedly misses comments, doesn’t follow instructions, slow, etc. I have raised this to both my MDs and they seem to be adopting a “not my problem” approach when I mention it. I had advised against hiring this analyst post internship and my MD insisted that all the issues I highlighted were fixable. I have tried teaching him to no avail and frustration with him is growing. Any suggestions for how to handle?

What random skills do you possess that can help during the pandemic? I'll go first-

I can make soap, beer and mead from home. Im gonna be drunk and clean!

Can someone give insights about yearly hikes please. I'm joining this month but not sure about growth perspective. 9 YOE , Hyderabad

I am interested in creating a supper club in Los Angeles where people can meet and interact through food- do you think it could be of any interest?

I have an interview with one of the MBB tomorrow for an internship, any suggestions or tips?
This will be my first case interview ever and I feel lost

IS there any instance you know of in which LTI revoked or took back its offer after giving offer letter. If so what circumstances

How can one overcome anxiety when presenting?

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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

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

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!

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

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.

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.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Can I get a commercial loan without 25% down?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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...)?

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?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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.

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?