There’s a lot of talk about buying now + refinancing later. Thoughts on how realistic this is? Or are home buyers just *wanting* this to be true?

What are your rate and market predictions in x years?

How much are you contributing to your 401k?

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

What things *can you negotiate when purchasing a new car? What things *should you negotiate always? Any differences in negotiation approach when buying used? Seems like I can afford considerably less, given the current interest rates 😭 Currently financing a car at 1.9% and it's killing me to buy, but I've had nothing but issues with the used car I bought.

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

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

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

What are the realistic alternatives to coinbase? Fees seem outrageous.

I am working from EU since last year (internal transfer from India), also doing freelancing for an another startup since last 2 years and the payment is going to Indian account.
My employer assigned a tax consulting company in India to support me in filing tax, somehow the tax consulting firm found that bank account via AIS document (not sure how they get it in that doc), as they found some interest credited for that saving account. Will I be in trouble? will I have to pay penalty :(?

Whats the max of monthly rent has anybody shown for HRA deduction 😅

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

Can I save tax by buying second house if first house is already in my name?

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?

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Make 72k with not a lot savings at the moment since I am new in the workforce. Any advice on how to break into real estate.
Also already own a primary residence.

How on earth are you guys getting into these AMD calls for 5/1? The theta is scaring the devil out of me. I almost went with the peer pressure yesterday and then backed out (I am bullish in AMD)

So BLKJ have weak knees and sold out to Havas....Always knew that an agency could be bought to provide them with an excuse to be mediocre. It hardly ends well.....

Is there any way to get around the coinbase fee when buying crypto?

Do anyone have answer to OFRO TRAININGS

Do you think all these violent and hate filled attacks are because people aren't getting the emotional/mental support they need, whether it's therapy at any age or help they needed but didn't get from a social worker as a child? My coworker is sure this is the case, but I honestly think there's actually something deeper wrong either with how these people are being raised as children, or how the warning signs these people give off are ignored or swept under the rug to save face.

Is there a special title at your company for a Project Manager that works on product development and not an IT project manager?

An example might include launching a new product from conception through form writing, rating, filing, programming, training, and implementation, or the transfer of products from an acquisitions writing company to ours.

Hi, Looking for referrals... around 8 years of work ex. Want to work as backend lead. Nodejs. Anyone?

Is it normal in Amex that managers (leaders) are arrogant and doesn’t give a damn? Or is it just me with a sheer bad luck!

hi fishes

I had applied for the role of business analyst and have cleared one on-line assessment WHT could be the next stages any idea

Hiya!

I'm looking at applying to MBB (Preferably BCG) for a summer internship this summer. I'm a first-gen Oxbridge student, and while I have little experience in consulting along the lines of MBB, I did work in the city last summer as an sustainability consultant.

I'm curious how important it is to have a referral etc and what you'd recommend for applications opening in jan. Any advice is super appreciated I don't have any connections to the industry but it's something im interested in. 

As someone who wants to get into product management, what are the best materials to learn/read to succeed in interviews? Been in strategy type roles the last few years but was in SDLC for my first several years out of school as a BA. Thanks

Hi ME 🐠s! Would like to know a bit regarding Business Analyst roles in MBB, T2 / B4 firms in UAE. I come from a target school in India (say MBB / T2 hires from my college every year) with ~1 YOE in consulting - based in Dubai. Would the stated firms consider me for a BA role (lateral hire as an experienced BA)?

What’s the rank hierarchy like in IBM? Where would an “Associate Partner” sit in comparison to a big 4 consulting firm? Got an offer I am evaluating

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?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

Any one knows what’s the easiest way to order a radon test for new construction?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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!!

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 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?

Anyone take the WI Real Estate state exam? Any tips on what to study?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Hi - any good books recommendations for getting started on real estate investing?

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

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

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.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

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.