My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

Does 401k count as savings?

Which bank account is better for salary account?

HDFC
Axis

Any REIT ETFs that people like?

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.)

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

How is the AMEX account in IBM?

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

Feeling a lot of pressure to buy an apt as my partner and I are in mid 30s and see ourselves living here (Brooklyn) long term. Can’t get over the high prices, high fees and idea of sinking all of my money from the market into one asset. Every apt for sale we are seeing is less nice and highly monthly cost than our rental unit which we love and running the numbers never looks good. Convince me why I’m wrong

What is cost of leaving near Bagmane TECH park Bengaluru?
1BHK house rent?
#Bengaluru

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?

Taking a personal loan of 20k or more will it affect perm (GC) process?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

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 😊

Any Boston based MBA students here? Wondering how much to expect for rent if I want to live in Central Square with one roommate.

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

What happens to your shares if you are partially, or not even 1 yr vested at a pre-IPO company and the company goes public? When you continue on your vesting schedule, what price do you purchase your vested shares at?

How long it take from senior2 to Asst. Manager?
Joined in May this year as S2.

MBB folks, I’m a Product Manager (non-tech company) and interested in working at MBB.

Which level/role does MBB can offer me ?

Looking for craft ideas for the first evening of a Bachelorette weekend getaway. All ideas welcome!

For new hires of Jpmc,
Only get a MacBook if you already have a windows pc, citrix workspace works best on a windows. In mac you cannot use shortcuts like Alt+tab inside the VDI. So choose wisely

Is it true that UAE public entities are the best among ME public sector clients? If yes, why?

I have one question please clarify
Was helping a friend in one of his assignment , Downloaded the data from my gmail and developed the report and sent to my gmail Id so in this process I just used the EY laptop will this create any problem ?

I was recently joined so wanted to get clarity on this please throw some light

Guy any openings for senior business analyst role for pune location i am serving notice period and LWD will be 19 july. Having good knowledge of capital markets investment banking and scrum master as well

Hi Guys
I have 6.5+ YoE in production support working for Barclays Bank IB portfolio. Can I get any referrals for BNY. Skill set Autosys, Unix scripting, SQL, Jira, Agile methodology, ITRS, Nolio, User & Application support, adept at incident, change and problem management areas.

Looking for referral at SAP labs India, CGI & Accenture.

Can anyone please help. Please DM

Happy fly day y'all!

3.46 GPA and 323 GRE score from senior year of UG. Going to take the GMAT this fall, but curious, do I have a shot at M7 schools with my current stats?

What is advance monthly performance bonus in hcl ?
Is this variable component only ?
In offer letter it is mentioned that it will be" restricted for first year of employment " what does it mean

Does anyone foresee more national-sized PA firms being acquired by publicly traded companies in the near future? If so, which firms would you assume are next on the chopping block? The recent acquisition of Marks Paneth by CBIZ comes to mind when posting this.

Fishes, can someone please let me know that is there shift allowance paid to Jpmc employees? I got shortlisted for ccb lob and my shift timings are 12 pm to 9pm ist. Thanks in advance.

I am an Audit S1 that wants to work in a B4 Forensics practice. Would it be best for me to accept an offer in Forensics at a much smaller firm (local, 150ish total employees) to gain experience and then try to move to B4 Forensics? Or should I stay in Audit and wait for B4 Forensics positions to open up? Please let me know your thoughts!

Is it ok to switch to Big data tech stack like Hadoop, Hive, Python after 7 years of experience from .Net technologies ? Which of the two field is good for long term perspective.

Budget question! How much are you estimating spending per guest? This includes food/alcohol/venue, etc

Hi , I had
20th June - Techinical interview and
14th July - Screenshot round completed

First time am seeing the screenshot round . Does this mean am selected to next rounds like uploading documents and HR discussions ?

Please someone confirm

How many days after uploading the docs the status changes to Verified?

Thinking about using my VA loan in a few years. Any advice?

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

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.

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

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?

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

What is the most difficult part of buying a home for the first time?

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Any recommendations for buying agents in Massachusetts?

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

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.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

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!

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?