Rip anyone with a variable rate mortgage

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Unless you’re in Canada where 30 year fixed is not supported

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If you don’t mind sharing, who is your lender?

We paid off 120k and switched to fixed just in time

likesmart

We don’t have kids and have money sitting in savings. Figured we can offset the interest by paying some off.

Sigh! The struggle is real. Gosh the interest been insane..

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I've been dead for months now thanks

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Same…

Yes dying over here 🙋🏽‍♀️

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You’d hope people would have refinanced a long time ago and locked something fixed.

What would you do if you had a fixed variable rate…asking for a friend

I feel Variable would seem the right option from this point onwards. These rates are not sustainable and will come have to come down.
Max lock in for fix should be 2 yrs if u get a mortgage now - if you really want to play it safe.
And if you didn’t lock in fixed when you had insanely low rates - you were clueless then , you are clueless now.

Dying here!! Even though we have the cushion, its super annoying to just be paying extra to the banks. At this point we’re going to ride it out. A recession seems to be in the cards.

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Relying on y’all’s prior experience here to set some realistic expectations for myself: want to buy a $1MM (listed price), 1 bed & 1 bath condo near midtown west or lower. I’ve identified one to my liking. I expect to be making around 170 base +/- ~40% when I’m looking. First time homeowner with excellent credit. Is this a realistic goal? How much cash do I need to save up to make this realistically affordable?

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I have a $545 Tumi gift card (my discontinued suitcase was deemed non repairable) but I'd rather spend the money elsewhere. Anyone want to make a deal? (Would like to trade for $500-525)

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Keep grinding? Or eff it?
Will hit 7-figure income for the first time in my life this year. Have about $2M in savings. Almost 40. Worked a lower income job before B-school, then paid down loans and saved aggressively to build up a couple in million in 6-7 years since.
Could MAYBE live off the $2M. But man, I’m tired of working. But now that my income is high, it seems CRAZY to not keep grinding and saving. But could I take a year to reboot? That feels stupid though.
Any advice?!?

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Crypto taxes! Who is paying and how much? It is so confusing

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I feel like I have no idea what I am doing when investing in stocks/real estate. Any recommended books/videos? Thank you

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I (US-based) am trying to buy an apartment in a different country in which I do not have a Credit history / score. Any ideas / recs on what loans to take? I don't think a mortgage will be possible there due to my lack of history. I am considering doing a home equity loan on my current home in US. Is this the best option?

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Crazy thought: Since interest rates on HYSA is low, any thoughts on keeping $ in USDC in a wallet and get 9% on Voyager?

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Any advice of changing auto/home insurances?

Anyone move to the “burbs” recently? We’re having such a hard time narrowing down where to look. Leesburg would be the furthest we would go out to, but ideally Arlington/Alexandria/Fairfax area. Budget $750k 3br 2bath and minimal immediate Renos needed. I feel like it’s impossible to find anything and it’s so discouraging. Total income $350k annually.

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Appears that some coins are bouncing back already, but unsure what will happen overnight

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Consultants in Dubai how do you spend your salary?
% on savings
% on housing
% on going out

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What do I need to do regarding my Amex before leaving the firm

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I recently joined EY , today got a mail regarding showing all investment under there some policy. So really do we need to declare everything?

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H1B folks, how and where do you all invest your money ? Short term and long term ? I’m finally done with my education loan and looking to invest, doing a lot of reading and would like your advice

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Planning on applying to MBA in a few years. What can I do now to max financial aid eligibility?

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Hi all- I’m new to real estate investing. What are some books/ reading materials you would recommend to learn about selecting the right investment property, things to look out for, laws etc.?

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Have you guys looked seriously into taxes in regards to cryptos. E.g. You pay taxes when buying alt coins from eth right? Sorry if this is basic.

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What’s wrong w Austin rent why do I feel like these prices are more than New York

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Well I guess this a long shot- does anyone has a apt or house in Sedona or flagstaff area. All the good Airbnb’s are gone and others are too expensive 🥺

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How do you evaluate RSU value in an offer from a major (F10) tech company? Do I factor in some stock appreciation?

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Vent to me what’s going wrong at work this week, need to feel better about mine

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Informational/marketing post - if any HR or marketing folks are interested in a company swag store (no hassle, no inventory, ships direct to consumer) for their company let me know. Great for giving credits for personal events (eg birthdays, Anniversaries etc.).

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I have a prebooked trip of 7 days.
I will need to take 5 days off.
the trip Is after 1 month of joining.
will jpmc grant me leaves?

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Need to give notice after a really short stint. I know it’s not working out. They (probably) know it’s not working out. But I’m still really dreading the conversation for some reason. Not really looking for advice. Just venting before I go in and do it.

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I feel like I'm stretched waaay too thin, and am missing things because of it. How would you bring this up to your manager?

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If anyone is interested in investing in crypto, I’m running a kickback campaign on Vauld, where both, you and I can reap benefits. You could also FD your crypto investments at interest rates as high as 12.68% for a few tokens.

Comment here or DM me personally if interested to talk further. Note that this crash is a great opportunity to enter. 😊

Hi Everyone, I am seeking an opportunity in the Digital Marketing domain. I have been working in this domain for about 3 years now. During this stint, I have worked both on a freelance basis and full-time to get as much hands-on experience as I could. I have good experience in SEM as well as paid socials ads. Along with this I have also worked on SEO side on a few websites. Let me know if anyone here can help with something relevant, will really appreciate it.

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Anyone from OpenText? What technologies are used in OpenText Cloud Fax Product? I'm in offer discussion phase for Sr. QA...@OpenText

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And the rest is history 😅

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How much does McKinsey & Company pay associates in Latin America?

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If Kolkata office is supposed to be functional from next year then why we requested to come Kolkata by the end of May. I have shifted to Kolkata with family and now paying unnecessary rent.

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I don’t know the best way to revitalize this bowl - I guess start a new thread with everyone’s ASL and then DM whoever you are interested in talking to? Thoughts?

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Have been struggling to context switch between different projects that I am working on simultaneously. Any tips? Thanks in advance :)

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Finally pulled the trigger. No regrets.

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Internet at client site won't work, is it appropriate to take a nap?

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Passed through a phone screen and first phone interview before thanksgiving. I was told last week I would get my second interview next business day and now it’s been a week.. am I still being cons.?☹️

Certified Agile Manager

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Work in tax and am super burned out. Considered taking a leave of absence back in November and tried fighting through it. Now it’s January and busy season is starting up and am leaning on leaving without a new job lined up (have been on interviews and have received offers but nothing has been of interest). Any advice?

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Fairly certain I’m getting laid off in an hour. Been through it once before. Any tips?

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Additional Posts in The Toronto Bowl

Did anyone gave interview for Research Consultant in Scotiabank?

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Hi People,

I wanted to ask a query on how consultants work. A friend of mine is working for a company in Toronto. The work is super hectic. She works for about 12 hours per day. Also, they say she’s not allowed to take days off for a year. Is this even legal?

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What’s the total comp range at big banks (Canada) post Canadian mba? Does the pay scale jump significantly between senior consultant/senior manager>director>senior director?

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Who are these people responding to surveys asking for full time return to office? Seems like every firm is now citing these surveys and how in office work leads to better productivity and mental health? No, spending 1 - 2 hours a day commuting, waking up earlier and sleeping early, displacing actual mental health boosting events like the gym with being stuck in traffic, and additional work that comes from being in the office does NOT boost my mental health.

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RBC vs Neo financial ? For a data engineering position which company is better in terms of work- life balance and career growth .
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RBC - 100k with 10,500 bonus ( comes with lots of benefits like employee mortgage rates and no pro

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Curious if anyone knows anything about a company called dentalcorp?

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Hey, anyone here who works at Estee Lauder can help me with a referral?

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Does anyone have a therapist they could recommend? Thinking I may potentially have misophonia + ADHD and could generally use a therapist to unpack some childhood stuff, but no idea where to start!

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What’s the salary range for an operations manager at a startup in TO? Overseeing sales, rev, support, success, and a bit of other company ops stuff. Glassdoor has a big range so I decided to ask here for more insights. Thanks.

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People at my company claim to be supportive, promote great work culture but there’s actually no support at all just bunch of bs. I am in a situation where im not getting the support from my supervisors, BDs and everyone is fake all the time. I am genuinely putting in the work and not getting the benefits I deserve. What are some good companies to work for in Marketing/advertising in Toronto? Or how would u go about addressing stuff like this ?

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Best way to get a consulting job in the U.S?

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Hi Toronto (and GTA)

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Thinking about making the leap to Toronto from NYC. My gf is Canadian and wants to be near family. Relative pros and cons?

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