What are the things/items which can be negotiated with the mortgage lender? Is Lender credit one of them?

I have two mortgages, one at 3% and one at 4.25%. Is there any benefit to paying either of them slightly higher than the minimum payment requirement (ie, maybe like $200/month more)? Additional factors to consider, my HYSA currently yields 3% and I am looking to buy another property in about 2 years and would prefer to not sell the either of the two properties currently on mortgage.

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Who else is buying?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Finally I am a tax payer of India.... After 3.2 years in TCS, will pay tax on 8k😂😜😜😜

Ally bank dropping rates again. CD a good choice?

When is the Bitcoin bubble going to pop?

What’s a reasonable amount to coinvest in a PEs fund? ~$300k nw

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Taking a sentiment of where you think bitcoin will go from here. Like the option that you agree with in the responses

ETC is my fave <3

What is a good credit card to get for travel?

My son made 11k on Doge but it is a joke coin. Put some money into SHIBA another joke coin. I knew all the cryptos would come back after the big fall. It was an opportunity to buy. Polygon has held up through all this because of the news from Deutche Bank. Look at the real cryptos. Bought these.

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?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Recruiter or recruiting firm suggestions when looking for an Art Director position in LA at a creative ad agency?

Would anyone recommend or share a side hustle that would complement a banker’s 8-5 M-F schedule? As of now, I do an hour DoorDash before work and after work I do DoorDash and Instacart for a couple hours. I do this as well on the weekends targeting about $200-300 a week since I am in a really small market. Looking for more creative, cost effective, and efficient ways I can supplement my average salary. TIA!

Promotions announced in EY India. Any one in GDS received the call till now ??

Hi All,
Does anyone knows about Northern Trust project with IBM?
Thanks

How much is the average Emergency Medicine physician making out of residency? (Name your city)

Hello,
My skillset: Oracle Identity and Access management, Java , YOE:3.5

My current CTC is 8lpa, i have an offer from VFISLK 11lpa, and expecting offer from Accenture 12lpa.

Can Wipro match the offer?

Considering wlb and job security, i can stay in Wipro if they match the offer.

Partners, I imagine some of you are older. Do you remember a time of instability such as this in history? How has the media changed over the decades? How are you thinking about the times if at all?

What's the range for L10 Tech/London. Pretty disappointed with the perf discussion result and being told that I am already at the higher side of range☹️.

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Anyone interested in PCS work? Please DM!

Hi ,
I want to change my job can u please help me with the openings ??

Who will be our recruiter at Accenture? The one who shared offer letter anyone else?
I'm so confused cause there is no connection between HR people there, Everytime new one will call for something but when we ask or call any queries they will not reply at all.

Hello fishes,

Can someone help me out to fill the compensation plan and save more tax with the declared component? My CTC is 22.2lpa. Thanks in advance!

Hey FishBowl Friends, so I’m currently trying to break into tech sales/FinTech and I feel that due to my previous work history, I might not look like the ideal candidate on paper but I’m an extremely fast learner and very coachable. I’ve been a manger at a gym, got my degree in finance, worked as a client advisor at a top 3 auto dealer in the nation and now I’m a project manager at a solar company. I really want something that’s remote and steady, any recommendations on how to spruce myself up?

I was interviewed for a major tech player in the hospitality industry, had 2 interviews which for the first one the recruiter was late, and didn't confirm the interview while I emaild her to make sure I do have an interview. When she attended she said that there was no point of responding my email as we are meeting anyway. Later on I had 2nd interview with the hiring manager. After 45 minutes she said they will let me know...

2 months later and I am still waiting...

Hi fishes, do qualifications like B.E, BCA or BSC decide the CTC?

KPMG and KPMG global services private limited are different

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

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

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?

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?

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

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 have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.