Thinking about taking a $50,000 loan from my 401K to fund 20% downpayment for my first house in the Greater Atlanta Area. Is this a smart thing to do considering the limited uses of 401K funds? I'm in my twenties.

Fellow EY Fishes - is anyone here have the investments in other countries (specially India). I got the independence email telling me I need to get rid of my mutual fund investments and I am not ready to do so. What are the options that I would have .. any guidance is appreciated. TIA

Has anyone used or heard about Flagstar Bank for mortgage? Seem to have a great program for JDs, wondering if anyone has any bad experiences or good experiences with them

Which demat accounts can a Citi employee hold ?
Is only Kotak securities allowed ? Are there any exceptions ?

Needs some ideas for scenario planning optimizations! Currently have a model to predict conversions given media spend, I can adjust spend up and down to create different budget scenarios and send to model to get respective conversions. Thoughts?

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

How is the GSAP tech allowance taxed? Bonus or income?

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Am i able to sell commercial insurance while working in IT? I’m in industry no longer consulting but want to get my property and casualty license. Thoughts?

Market sell off - You buying or selling into the weakness?

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Looking for used car within $5k in New Jersey/New York. Preferably from the owner directly. Any suggestions?

EY folks - how do I increase my firm group life insurance coverage (not the group universal / variable policy)? My wife’s coverage is at like 3x my salary but mine is only at 1x my starting salary from 5 years ago…

Confused as to how I should be buying more ETH. I have a Trezor, but would like to stake it while also having it be as secure as possible. Any advice?

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

How do first rights (ROFR) work at ones death? If the company has the right to shares anytime there’s a transfer of possession, does that mean the inheritors have to make an offer to the estate for the shares and obtain the boards approval/rejection of the offer?

Any of you guys do claimant's work in the Napa, CA area? I know at least a few of you said you were in CA.

There's a guy on my Virginia listserv looking for a recommendation, and I don't think he's going to get many replies. Says it's a bad shoulder injury.

GP Stakes and PE secondaries: how good is the medium/long term outlook for the market and would a niche specialty in these areas be very limiting for my career?

Can anyone share what are the usual components of a flexi benefits basket and to what max amount can you utilise them.
Eg. Communication fuel etc

What games, toys, or science kits would you recommend for a kid who’s showing an interest in the sciences?

Wordle 531 3/6*

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How do we get a live list going of firms that are hiring in their AAS practices (not on hiring freeze)? Any associates out there with some capacity?

Hello! I know this is an advertising bowl but is there a bowl for recruiters in tech industry,

Hi All,  I have two offer on hand.

1. Deloitte USI - Analyst - 7.5 Lpa fixed + 75k variable + 3 lac joining bonus

2. EY India - Associate consultant - 8 Lpa fixed + 1.44 lpa variable + 2 lac joining bonus.

YOE: 1 year and TechStack - microservice development ( python + aws + azure)

Which one would be better to join, considering CTC, benifits and WLB?

Is keto recommended for pregnant women?

Just got offered to join potential project that would relocate me to LA for 3-4 months for onsite work. Their office is downtown, I’m single, 29 have the flexibility in lifestyle for this kind of move. Is it worth coming to LA rn? There are obvious Covid risks, but anything else I should consider when looking at this move? Thank you

Not sure where to ask this properly, but has anyone used their EAP program to see a psychiatrist?

What’s your top nutritional food item that doesn’t get enough love? Trying to change my daily snacking.

Is there a Gym facility in DTTI office in mumbai?

Hello Fishes,
I am looking for position in Product Ownerships /Business Analysis /Product Management role.
I can join immediately.

What is your favorite library skills activity for K-2 students to welcome then back to school?

Currently having a package of 2.8 Laks/p.a so how many compensation should I expect from the new company with a total of 1 Yr experience in manual testing with a basic knowledge of cypress (Automation tool for testing)?

Hi Fishes
11 likes please (need to send and read dms)

Thanks a lot

Do you thank your tenants for paying the rent? A quick thank you text?

Is it common for HOA to ask you to prove your car registration is up to date?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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!!

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Does it make sense to refinance now? Current rate is 3.62, bought in 2019. About 480k left on loan. Need some suggestions.

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”.

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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.

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

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?