To the people who make excel sheets of their net worth and personal finance. How do you calculate your home, do you include only the equity or try using zillow for market value minus leftover debt? Thanks

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Alright QOTD: How are you paying back your loans? PSLF or working for Private Firms and Paying your loans back yourself? Which choice do you think is better. I have 5 years left of PSLF and I cannot wait for the day that this loan is gone.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Client referred me to thier mother. Has $68k coming due in cds and wants income. Money is qualified. Refuses stocks. Wants some money short term. Any ideas?

What are your thoughts on Tesla stock ? Do you think it will reverse next year ? The company is in very good shape , it is getting smashed because of the twitter drama alongside high interest rate but i think it is very cheap stock today when i think about future prospects

Morgan Stanley or Schwab? Which brokerage should i choose?

What is the best-kept secret among realtors?

Guys, what platform do you use to trade US stock?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

Hi all. I just received an offer for $130k and will be eligible for about 29,000 shares of stock options. The vesting schedule is 1 year and then quarterly thereafter.

Can someone explain what this means? I “will be eligible”. So, I have to buy the shares? Should I be asking at what price?

Newbie here. Please help!

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Safest wallets / exchanges for buying VET and safe moon? 😭

Hello! Anyone in need of a freelance ACD (art)? Based in NYC but also experienced with remote work in other US time zones.

Digital/digitally-savvy PMs, can I pick your brains? I’m up for a Sr. PM position at a creative agency working mainly w/tech clients. My background is more print based, especially the last couple years. When I was working in digital, it was very straightforward (mostly static/animated banners with a little bit of social). Where can I brush up on digital trends? Which agencies’ work should I check out? Any blogs worth catching up on? Thanks!

Hello everyone,
Please help me with 11 likes, so that I can communicate for refferal.

Thanks!

Like this for good karma (Gives me the opportunity to DM people)

SAP openings in LTI, DM me for referral

SAP ABAP Hana (5-12 Years)

SAP FICO Hana (5-12 Years)

SAP SD Hana (5-12 Years)

SAP MM Hana (5-12 Years)

SAP MM WM (5-12 Years)

SAP EWM (5-12 Years)

SAP MDG Functional (5-12 Years)

SAP Basis Hana (5-12 Years)

I was barefoot until late teens and I kinda miss it. I feel it's a big part of childhood. Yesterday I went for a run barefoot and felt satisfying. Is that weird? What village thing do you miss?

Best Coffee in SF?

Decided to payoff my mortgage.

Partner: Let’s take the data in the spreadsheet and put it in PowerBI so we can cut it up.

Me: What? It’s already cut up in the spreadsheet. I don’t get it.

Also me: Yeah! Analytics!

Hello Everyone,
Would someone be willing to refer me for a position in Salesforce at Hyderabad ? I am looking at Program Manager roles currently with 9 years of experience.

Many many thanks in advance

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

Hi - I have never used this. I’m planning to schedule fertility test. Would this programs offer me any benefits?

Thanks in Advance!

Anyone going out soon/tonight? I need a few drinks after the week my fam has put me through. 🤣🤣 and still don’t know many people since moving here since September.

Any idea what will be criteria for PDM to start green card process?

Making a switch form Android to iOS. Whats the best way to get my backup messages on to the new device ?

Hi,
I am a clinical pharmacist hoping to transition into consulting. I currently work in specialty clinical development at a PBM and have over 10 years professional experience. I know I have transferable skills but I am struggling to get my foot in the door with no consulting experience. Any tips/advice would be greatly appreciated!

Women in PA - talk to me about times you’ve felt marginalized in the workplace

anyone here can help or refer me. I want to shift my domain in business analystics . I know power Bi and sql. I am a fresher. anyone can help me.

Dear fishes, Can someone please refer me for SAP SD. YOE- 3.9 years. Please drop a comment, will share details with you.

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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?

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

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

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Any Property Management recs in Seattle area? :(

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. 

Has anyone here used New Western to buy real estate deals?

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?

Best way to start wholesaling real estate?

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

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

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

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.

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

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

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.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?