So I have a realtor. I ask him to see if the mortgage company has any incentives for first time home buyers, and he told me to call the lender and ask myself. What is the purpose of a realtor? Also, if I switch jobs while we are under contract is that bad? It will be within the same industry. I will just be a manager instead.

Feeling a large wash out on TSLA is coming. Up on the week on leaked Musk email relating to deliveries. That number came in today at a beat. Bought todays puts when stock at 1208. Looking for 1150. Profit taking is coming. Don’t follow as risk is high.

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Are you going to invest in Navi's Index fund ?

Hello I just started my first job (I’m 22) and I need to set up a 401k for matching with my company. I’m really confused how this works because I want to try to hit the IRS maximum of $19,500 for Roth contributions this year. Maybe it’s too late in the year now, but it’s asking me to pick my desired contribution % per pay period, but I’m not sure how much to do because it says it’ll kick in 1-2 pay cycles and I don’t even know when the next pay check comes yet. Any tips would be great

Tether is a giant fraud. How do I short it?

For all of the commercial Guys/Gals out there, how has the property market been treating everyone? Large increases? Tightening terms? Increased deductibles? Have you found a great property market? Feel free to be specific on what markets you work with.

This is my first yr having access to an FSA through my wife’s benefits. Trying to decide on an amount to contribute and it’s tough. We may or may not get pregnant this year and that’s a huge. Cont..

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

Welcome to the NFT Bowl! Feel free to share cool projects you've found, investments you are making and why, or shill your own projects! It's also a great bowl to network and build your own team!

To make things smooth:
1) If you see or have a cool project, please post a link to help others find it quickly without having to slog through searches
2) No one is giving any financial advice. Use of this bowl is acceptance that you will not take anything posted in this bowl as financial advice.

How do you manage and track all your investments? E.g., stocks, mutual funds, PPF, PF, gold etc.? Do you use an Excel sheet or some app?

How long does it take to get ofc Laptop after DOJ?

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

Fellow EY 🐟. I left EY recently after two happy years there. How can I get the pension money back? I had around $1500 there and they are not able to help in EY-HELP3.
Can I at least do a rollover to an IRA?

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

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

Rewatching Brokeback Mountain, which came out 15 years ago (hard to believe that). Anyway, it's still an outstanding, devastating film (and love story) that I think if had been released 10 years later would have easily won best picture and best actor for Heath Ledger.

I'm a new employee, and my manager told me that I'm no good at my job. How am I supposed to learn if I'm not allowed to ask questions?

Is Huron hiring right now?

Anyone here from on-boarding team knows about the on-boarding of freshers who have 9 july as percipio course end date
I am a sponser and the fresher alloted to me asked this question. anyone if he/she knows about it
TIA!

Is the notice period for AVPs 3 months in hsbc?

Hey guys, newbie here please be gentle with me 😅. I have recently accepted an offer but my gut tells me it might not be the best for my future move. As usual there a probation of three months during which the notice period is half the time as compared to if I was a comfirmed staff. Do you think I should start looking and make use of the shorter notice period during my probation?

Here in Brooklyn, the bishop closed all of the meetings in Catholic Churches. Not sure if that includes the rest of NY? Anyway, some groups have set Zoom meetings, a friend is hosting a small BB study

Hi Fishes,

How much can I ask for a senior product manager role at S&P global market intelligence? My yoe is 7..

Currently have an existing offer of 23l (all fixed)

Will appreciate any suggestions, so that I am not low balled!

Thanks in advance !

Good job Stuart ya knob

As of last Friday, 2 CDs left Droga NYC.

LTI or Sears holdings
Which one is good to join
LTI - 33 lpa + 1 joining bonus
Sears- 35 + 1 joining bonus
Stack- GCP data engineer
I have joining on this coming Monday.

Hi ,

I have 1.10 years of experience in HR Operations / HR Shared Services.

Can anyone help me to get a job change ?

Anyone switched from Becker to Wiley and regretted it? I did and though I appreciate the bite-sized lectures, I don't enjoy it as much as Becker. My access for Becker expired already and I don't want to spend 2k again 😭 such a tough choice to make but I feel like I'm not getting what I need from Wiley.

I have submitted the documents for LTI..before an formal HR call one lady HR called me and ask for expected CTC..i have one offer in hand and i demand 20% of that offer as fixed..she asked me to negotiate and so i went for 20% of offer as total CTC instead of fixed..she simply said OK thats it..and call ended..will I get positive note from them....?

MBA background check: do they do detailed reviews of your essays? Like check anecdotes? Some of my verb choices likely give myself a bit more strict than I deserve. Do they call other managers?

Any recommendations on a good water softener system (4 people)?

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

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

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

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?

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

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.

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Any recommendations for buying agents in Massachusetts?