Question on mortgage. First home. Just starting house hunt. Should I talk to lenders now and lock the rates or wait until finding home and get the offer accepted. With daily changing rates, wondering what is the better approach. If I talk to lenders today , the rates may not be same by the time I find home and apply for@loans and get it approved. How to go about getting quotes from different lenders for comparison

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

If my company is deducting tax on reimbursements for example relocation, flight travel, mobile usage, etc. Then how to show in tax filing? bcoz as per my understanding it should not be taxable as I am using my money and company is refunding and no extra income. It's like I have already paid once and while refunding company again deducting. Please guide on this issue.

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

I’m applying to some PE funds (currently a BA at a top consultancy). I want to know, assuming I get in, when can I buy myself a Ferrari and a yacht?

Thinking of buying a first property with my SO. Any suggestions on area? criteria: safe and well connected. all wisdom appreciate and welcome!

Does anyone think there is long-term viability in Cryptos?

There has to be a point where focusing on minute details generates diminishing marginal returns.

Which high yield savings account do you recommend?

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

Does anyone use yieldstreet or crowdstreet for real estate investment?

My SO just started with PWC Australia. I might have to relocate to the states in one year. Will it be possible for my SO to relocate to states as well through PWC at around 1 year mark? Does PWC allows that just after/within one year of joining? Assume she'll get L2 through me, if that matters.

Hi Folks,

Where does Synechron is located in EON 1 or EON 2 kharadi , Pune ?
How's the UBS client?

Need a referal for automation testing openings

Can anyone refer me on a job id of Accenture strategy, kindly comment. I'll DM.

Thanks in advance

Any recommendations on a good side hustle or part time job? Trying to buy a house (yes I know the economy sucks right now) and it’s been tough saving with a SW salary.

Hello All,
Any EY GDS PMO here?

Does Slalom offer fertility coverage? (E.g. IVF)

Any EY folks with questions and answers on IVF or Pathways to Parenthood benefits before Annual Enrollment period ends???

I have been in my current job for 1 year now as a booking coordinator for a logistics company. When I started I had no idea of what my workload would be, now I noticed that my coworkers took the opportunity to pass most of their job to me. I’m burned out, can barely take break and end my days totally drained and exhausted, also the same people is harassing me with questions like: “why are you working that slow?” Or the “quality of your job is questionable because…..” continue in comments

Hooked up with my ex today. Something about the holidays really tends to bring out my self-destructive tendencies.

Absolutely love my direct supervising partner, hate the firm management, pay is mediocre and I could get a 5 digit bump elsewhere, what do I do? (Mid-size insurance defense firm in southeast region)

Is there an appropriate way to turn down an assignment because it is non-billable? Two of the partners I work for keep asking me to write client bulletins and articles with them, which is great, but now I’m starting to worry about meeting my billable hours requirement.

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Can any one refer me im KPMG GDS? Working in another big4 GDS AWM sector as a senior. Having experience of 2 years.

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

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.

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

Any Property Management recs in Seattle area? :(

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.

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

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.

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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.

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

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.

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!