Taking a personal loan of 20k or more will it affect perm (GC) process?

Planning to call the bank today, but wanted to ask this here to see if anyone has experience with something similar.

I found a 6 unit property ( 5 apt + 1 coach house) that I’d like to buy and convert to a 4 apt unit. Is there any way to qualify for an FHA 203k loan since it will be a 4 apt unit after renovations?

Thanks!

Is anyone changing their retirement plans based on COVID-19 realities and the future of work.

Any great personal finance/investment books to read? Or even YouTubers/Podcasters

Really looking into expanding my investment horizons — particularly about learning about how to allocate my investment portfolio. Also, always nice to learn about better ways to save and cutback.

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

What should be the approx in hand?
CTC: 14lpa
Fixed: 12.8lpa, Variable: 1.2lpa
80c: 1.5L
Std Deduction: 50K

Apart from this, also let me know how else I can save tax.
Thanks a ton 🙏

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

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?

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

Anyone ever have experience negotiating a new offer to include unvested 401k match and stock grants from your current employer? I hate leaving money on the table but there are some good roles out there. I’m not fully vested in my current 401k yet and my stock grants haven’t matured yet either. This would be at a global director level.

What are the best credit cards for travel points?

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

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

Hear me out! I left my 15 year career in the corporate world to pursue being a realtor.1) It was never boring
2) It was the most challenging
3) It was extremely rewarding to be able to help families find their dream homes

I'm from Baltimore, and lately, we have had a crazy buying spree, I mean I have sold the same property 2 times in less than 2 weeks, and the person who bought it immediately put it on the market and made an average of $25k in less than 5 days. Many reports show that investing in Baltimore and Philadelphia is the future, I don't doubt it. What is the fastest you have ever resold a property?

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

What do you all use to file for taxes after switching to h1b?

When selling a home have been able to negotiate lower commission with your broker if the buyer is not represented by a realtor (eg, 3% in this situation versus still paying the full 6%)?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

How do married folks manage finances ..keep them separate or everything common? Have heard married people splitting rent and stuff and not sure I fully understand how common are situations like that.

I am currently working as a telecom consultant. What should I be learning if I want to get better job opportunities in better companies.

I wanted to get people's opinions on leetcode, codewars etc when prepping for interviews. I am a junior full stack dev looking to move to a better paying junior role or a mid role and honestly these style of questions have always stumped me. I have found that in a year of work to have never found them useful in tackling real world issues. Now I'm moving from a junior to a mid can I still expect leetcode style questions?

I work mainly with react, TS, node, graphql, mongoose and mongoDB.

Anyone up for Summertime Dinner this weekend in Kolkata?

Industry vets - in your experience how recession proof is insurance? I was not yet in the job market last recession but I watched my mom get laid off and struggle to find employment during that time for the next 1.5 years. I was wanting to hit the job market towards the end of this year, but now I worry that if I do move companies, the recession could put me in position of last one hired first one fired. Is it better to stay put?

I have an interview coming up with the hiring manager for a senior tech writer role. Should I have data to back up a lot of my examples/experience?

Unfortunately, I don't have a lot of data/numbers to use I just have a lot of anecdotal evidence.

I love living in Miami, but have found it incredibly difficult to make friends. I had a thriving social life/ friend group in Chicago. Anyone else finding it hard to build friendships here?

How is the IBM Consulting practice in Canada? How does it compare to the Big4 consulting practices, and what sort of projects/clients does it work with?

Hi Fishes,
I recently got shortlisted for a Product Manager position at Tracxn. There’s also an IPO coming up which is the reason I had applied.
But I have read some horrifying reviews about the company on Glassdoor, indeed and other forums.

I’m wondering whether it’s worth going through the interview process and I’d also like to hear opinions from anyone who has worked with the company or is aware of the company culture.

Thanks.

Why is my Starbucks latte $6.5 bucks all of a sudden 😭😭😭

Would any of you goofballs want to join an informal drinking group for copywriters who write non-advertising stuff like fiction, non-fiction, comedy, plays, poetry or whatever?

I tried to get an agency to tell me the salary they have in mind (any tips on how to get them to throw out a number first?)

They replied: "the salaries will be in line with market rate ranges in New York City for the respective full-time roles."

What are the market rate ranges for:

Senior Copywriter
Assoc. Creative Director of Copy
Director of Copy

Thanks!

In town for the night. Any recommendations?

Anyone make an expat move from nyc to Hong Kong?

If so, what package should I ask for?

What neighborhood in NYC do you live in? Are you still there, or have you moved out during the pandemic? Has your neighborhood gone downhill with increased crime and homeless all over the streets? I’m looking to hear from everyone what’s going on in different parts of NYC

Can you travel out of the US while your H1B is pending approval?

Currently on STEM OPT.

What do you all use to file for taxes after switching to h1b?

My spouse’s was given 221g yellow slip when she appeared for her H4 at Delhi consulate. Its been more than a month no update. Can anyone help me how I can escalate or follow up? Support email id customer care agents reply only with generic emails. Please help folks!

Can H1B holders filed unemployment when serving grace period for 60 days? D provided information in Separate Memorandum?

I have been trying to exit consulting for a while now. I am gonna get the EAD card for Gc somewhere around mid next year. Should I wait till I get it or should I make a move? Reason I ask is I’m getting very few callbacks and I think it’s coz I’m on a H1.

How long does it take to prepare a job description? I left EY for a position in the industry and my firm ended up using EY Law.... anyway, it’s been 4.5 months since we kicked off the process and EY Law has been sitting on job description. Any thoughts?

Has anyone had experience with resigning prior to completion of Green Card application? Given the current climate I want to call it a day and go home. Currently in Job Advertisement phase and wanted to know likelihood of PwC activating the claw back? & if so, any idea on cost? TIA.

Does anyone know if you are travelling from US to India with an expired US visa (for renewal or first time H1 stamping) you cant go via European countries?

Anyone recently filed a I539 application and how long it took to approve?

Hi - for folks needing sworn affidavits for birth certificate (AOS document need), how are you getting them notarized during the Covid lockdown in India

If I get fired while on OPT without getting my H1-B stamped, is it useless or can it be used in future for some other job?

Any Vietnamese fish got H1B stamp recently? Mine is only valid for 1 year which I'm wondering why. Not having to worry about renewing it every year when I travel abroad is nice :(

I have approved I-140. Indian nationality so priority date not close to current. If I switch employer, does my employer need to apply for PERM and i140 again as soon as I join, to get H1B extensions?

Is USCIS closed temporarily? Are they still processing h1b extensions?

My h1b got picked up in lottery this year but case hasn’t been processed yet. Meanwhile I also applied for H4ead extension. What happens to it when H1b gets approved?

How to decide between two offers when you are on H1B. What if I said no to other and my H1 transfer to the accepted position is rejected 😐.

This may already be answered, but are embassies open for h1b stamping on India??. I am getting conflicting reports from my friends. TIA .

Hello all, I’m on my F1 visa right now. I have two more chances of getting H1 through lottery. After third,Does PwC supports sending me to my LOS in diff country and file me H1 or L1 visa from there?

How much time does it take to get i-140 approved under Regular processing? Firm saying no for applying under premium processing. Giving me an option to self-pay premium processing fee if I want $1410