Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

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You can find an agent that works for you without having to sign a contract like that. Keep looking for a different realtor

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Would the agent agree not to handle any other clients until you purchase your home? If not, why you agree to give up the right to use other agents?

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The most important trait of a good agent is honesty! Find someone you TRUST.

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An honest real estate agent. Sounds like an oxymoron...

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Already talked to a few agents, some require a contract but some don’t.

If they don’t require a contract then usually that means they don’t represent YOU and will actually represent the seller. Find someone you like and sign a contract. Why would that concern you anyway as the seller pays their commission?

For the second part, just make sure the seller’s on the hook for commission in your purchase agreement. Easy fix, there...

If they’re unwilling to do that, haircut your price by the commission.

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So. I plan to invest $100k new money and I want to know what stocks are looking the best. Esp considering future results from the vaccine...

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Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

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It’s been an interesting 24 hours. So, you know I got out of the VIX Puts at 26 with a small loss. I bought a few DIA July 15 calls at the low at a 309 strike .13 so I did better than I would. Trading the technicals now with DIA and C Puts.

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Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

likefunny

For tax purposes can I select which "lots" I sell? I'd like to harvest some ST losses to offset some other realized ST gains.

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Guys 500$ to invest in alt coins..Any suggestions?

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What steps have you guys taken to generate a second/ passive income?

I would love to come across some ideas and know how it is working out for you.

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Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

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Hi Friends,

Could some recommend some good pgs around fidelity investments (manyata tech park). I will be starting the office from Dec.

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?

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Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

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Any idea what will happen to the classic car market as a result of the war in the Ukraine? Are prices going to come down or will classic cars be considered “safe” investments during this time of crisis?

Obviously all speculation, just curious what others are anticipating or have experienced.

(I am fully aware that this is not the most pressing issue, so don’t jump on me for posing the question.)

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Living in NYC — to buy a house before 30, how much did you cut back on 401k? I am maxing it out right now (age 23) but after rent and my Roth IRA I am only saving 10-15k every year. Doesn’t look like I’ll be able to afford a house for a while, but is it worth cutting my retirement down to get there faster? If so, how much is reasonable?

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I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

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Is this the end of days for our love affair with cryptocurrencies?

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200k in student loans. Unmarried, no kids. If you had to choose - Would you prioritize paying them down/off or saving up for big ticket items like a house/retirement?

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Anyone buy a home with a failed radon test? Does the test matter?

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I canceled my Amex paid membership as we aren’t traveling for work yet. Have 100k points to redeem in 2 days. Don’t want to waste it on target or Walmart gift cards as they have terrible conversion rate. Any suggestions? May be transfer to Emirates points as I will travel to Dubai in a year?

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Looking to buy 35K marriott bonvoy points. Let me know if anyone’s willing to sell?

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Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

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What would you all say are the best consulting firms to work at in the federal government space? I’m not sure how many “prestigious” firms (like MBB) have a significant federal practice at all.

likefunny

Living in NYC — to buy a house before 30, how much did you cut back on 401k? I am maxing it out right now (age 23) but after rent and my Roth IRA I am only saving 10-15k every year. Doesn’t look like I’ll be able to afford a house for a while, but is it worth cutting my retirement down to get there faster? If so, how much is reasonable?

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Hi, I am currently working for a marketing and advertising agency, my work here involves demand forecasting , inventory forecasting and campaign management. Right now I have an offer from one of the Big 4s for a Consulting role.

My question is how difficult is it to move from PI consulting to a an FMCG company? How easy/ difficult will it be for me to move across industries?

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Hi Fishes, need your guidance. I am having below offers. Please help me to decide.

Publicis Sapient - 16LPA + PWFH
Valuelabs - 18LPA + PWFH

I want to know in terms of Brand value, WLB, career growth, learning opportunity & job security.

*Also is it safe to join service based company with such a high package in respect to my YOE?

My Info:
YOE - 2.3Yrs
CCTC - 7.25LPA
Techstack - Frontend Development (React) College - Tier-3

likeuplifting

Is anybody available in this group from Benetton India ?

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can i get hike in march 2024 if i join in feb last 2023

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Friday night vibes

Post Photo
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PwC India provides LinkedIn learning accounts to its people. So the question is, which account is good to link and use. Is it ok to link your current LinkedIn account to the learning account or is there any risk or issues that anyone knows.

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Hi,
How does the sapience ibuddy tool work ? What if I'm not able to clock 8 hours ?

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Hi Fishes & Sharks,

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Post Photo
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Is cybesecurity as lucrative as software engineering careers.

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Who has done FSBO? Thinking of doing it for 2 of my houses that I’m selling in the spring time.

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Joining GT…Should I choose a company phone or transfer my phone to GTs plan?

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I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

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Why recently thoughtsworks are hiring women mostly for graduate developer role ??

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How do you ask someone to mentor you?

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What's a median salary (considering all US employees) for big 4, Accenture, MBB and FAANG? Is 200k for big 4/ACN, 300K for MBB, 400k for FAANG a good ball park estimate?

funnylikesmart

$210k TC in Bay Area (Consulting) or new offer: $220k TC in Austin (FAANG)?

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Anyone able to help me with the levels at Meta/Facebook and related comp in the US?

likefunny

What's the shiny new toy you're impressing clients with this month?

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Additional Posts in The Worklife Bowl

Do you put pop tarts in the toaster or the microwave?

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90s music binge is so fire right now.

likehelpful

Where’s the prettiest place you’ve ever been and your favorite memory of where you went? Post a picture of it! I’m missing being able to see what else is out there beyond the walls of my apartment.
Mine is Thailand. My favorite memory is standing in the water and watching the sun set over Railay Beach.

Post Photo
likeuplifting

Are there internal levels/ bands within the VP title at Goldman Sachs? FWIW, this is for a non-business, internal strategy kind of role. (Posting here as this bowl has people from multiple industries)

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Can everyone share something happy? I feel like I’m going to explode

likesmarthelpful

Anyone that is WFH but rents a small office space to work from?

I don't want to have to go to an office with coworkers, but I do feel like I'd be more productive getting out of home office a couple of days per week.

Feel the same?

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Podcast or other recs for a 6 hour solo road trip tomorrow? 27F if that influences anything

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Have an offer to start at Deloitte in July in Org Transformation consulting. If it doesn’t get pushed out because of the virus, is it a good time to switch firms in July? Concerned that layoffs may be imminent if I am so new to the firm. I will be coming in at the Consultant level if that matters.

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My wife and I just had our second child, and we have also been dealing with her cervical cancer diagnosis. It has been a stressful year, to say the least. I want to do something nice for her, but money is tight right now because of the cancer treatment costs, and her being on unpaid leave because of the cancer treatments. What is something low cost I can do that will be a nice “couples thing” so we can de-stress, but also make her feel special?

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Where is this confessions bowl people keep mentioning?

likefunny
likeuplifting

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likefunnyuplifting

Best nespresso model?

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Who here has moved out of nyc due to covid and subsequently changed their income tax info?

likehelpful

Has anybody else experienced (what seems like) irreversible physical damage from working long hours? I worked about a month of 19 hour days 2 years ago (this was the peak of the season where I worked at least 12 hours a day) and my facial skin hasn't really recovered and the experience really aged me.

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For those who switched from agency to client side, how did you do it?

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Good morning, fish! Don’t forget to drink your water today 👍

likefunny

Is anyone’s wfh office chair getting less “springy” over time? Mine just doesn’t have the same umph it had before, constantly lowering throughout the day.

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