Posted about a lowball appraisal the other day while trying to remove PMI. One of the things I was told was “this is a BPO not an appraisal,” however I was charged $500 and for an appraisal. I understand BPOs can be far less expensive. Is this common for banks to do? I have not had time to review laws around this but combined with the inaccuracies in the report and flippant responses, I can’t imagine there aren’t some regs being violated here.

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

Noogler question: are approved Amex expenses from concur directly paid by google to Amex? Or I gotta to pay? My expense was approved but has not yet been fully received in my account..

Where do first year associates / business analysts typically live in NYC? What’s a realistic rent budget?

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

Does anyone have any book recommendations for information on buying a house?

Does RSM allow for Megabackdoor contributions?

What kind of gifts are given at fidelity investments during year end?

What would you do?: trying to maximize points. Have CSR, Amex Gold, Chase freedom unlimited. Will be receiving CORP Amex from new firm. Background:

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

What is personal independence??
Why Pwc asked me to fill all investment details for me and my dependant.
Can anyone please help me on this ??

@pwc

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

What is the difference in subscription to notified and subscription to approved mutual funds?

Living in Van. Previously lived in Toronto. Obviously rent prices are high as is cost of living. Generally go out and spend more often living in a city. Boyfriend and I on good salary but not saving much due to the above. Before we move home to our own country, we’d love to spend a year close to Vancouver where rent is cheaper, temptation is less, to save. A commute to Vancouver 1-2 times a month needs to be possible (his job). That can be a flight if it’s not crazy. Thoughts? Recommendations?

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

Looking for Best realtor deals available in Atlanta. I wish to sell a property but feel 6% is too high for commission. Pls share best deals you were able to get from a realtor

Heading to Buenos Aires and Montevideo tomorrow. Will be in each city for 1 week. Are credit cards widely accepted or do I need to exchange cash before I go. Thanks!

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?

Morgan Stanley or Schwab? Which brokerage should i choose?

Had anyone prepared cover letters, elevator pitches, different resumes for non-legal jobs even if you aren’t currently looking to exit law? I’m worked on my elevator pitch and I think it’s really helped explain how my skills aren’t solely legal.

Hi fishes
Need suggestion. Got an offer with a product company A through referrel with just 70% hike. They initially told me to not look for any offer as it is a referral.

Now, I got another offer with around 150% in another product company B. Joining date in both are by next week. How to politely reject the offer from Company A ( they won't match the new offer). I am afraid if there is any consequences.

Now giving interview with Chubb, Will Chubb match this offer?

Please guide me 🙏

Is there a risk of accepting a role with Upstart currently? I seen a 7% layoff recently for hourly employees but I would be salaried. I am well aware it’s a risk in tech overall right now but curious on thoughts thanks!

I heard from my head that there is a lot of slowdown in VW Germany... There is Hiring freeze, level freeze and all ... And soon that will spillover to india. So be prepared for very less hikes in coming cycle :( Also automotive sector in general is struggling with tesla laying off 10% workforce recently. Maybe time to make a move? What do you say fishes?

No one is talking in this grp. Why?

Bhaiyo like dai do...

What are some perfumes that you love and recommend to fellow bros eyes closed

Hi All, For B8 position having 8 years of experience in Project Manageme ,how much should someone quote and negotiate with the HR.

What are your favorite coffee shops to work remotely from? Open to any neighborhood—I like trying new places.

Has anyone here installed a security camera or system in their own apartment? Any you’d recommend?

Why does it seem like most democrats are eager to hop aboard the liberal train over ONE agenda? It's like they feel very strongly about something, which is fine this is America and that's your right! But then they agree with EVERYTHING that's liberal or follows alongside their party line. These people NEVER have a good thing to say about anyone involved in politics who are conservative? I am a big Trump fan and even I can't do that.

Have you talked about your wedding with coworkers? I made the mistake of saying I had to leave work a little early one day because I was going to do a tasting at my venue. That starts a debate on why one shouldn’t get married, how much wedding costs & what a waste it is, dresses are stupid because you only wear them once, etc. I haven’t talked about my wedding much, but I didn’t appreciate this. I ignored the negative comments and we moved the conversation along. Not talking about that anymore!

Hi everyone, how is OW in the middle east?

In terms of culture, career progression and projects?

Are their projects more into strategy or how exactly?

What's the round tables timeline for NE Audit?

Where did people have success with stamping? I’m a Russian citizen and trying to get an H1B stamp to visit my family. Been close to 2 years since I haven’t travelled abroad and hate it

About to finish my first year. I’m a specialist. Only going to hit 65% of my hours (took a 4 week vacation cause of wedding/hm).

I never say no to work and i have fantastic reviews, and the head of my practice (with whom I work a lot for) has great things to say about me.

I’ve been fully utilized starting ~June, but first few months were slow. Am i fine?!

Anyone familiar with the various BP&O groups within Facebook?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

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

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

Any Property Management recs in Seattle area? :(

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!

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 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!

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?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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

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!!

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

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?