What’s the mortgage rates you guys are getting?

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?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

Has anyone noticed how attractive realtors are or is it just me? Recent studies show the more attractive the real estate agents, the higher the listing price of the home.

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Planning on opening a Bonvoy boundless chase cc for the 75,000 points and have heard the first year is free. Is that right? If it is, do I still get the 75k? Are the 75k Chase points or Bonvoy points?

Anyone know of a good cross-border US/UK financial fiduciary?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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?

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Anyone who sends some money monthly to their parents in India? If so, how much $/month. I send $2.5K each month but trying to figure out if there are better way to invest that sum here in the US than just to put that money in a Fixed Deposit in India.

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

Can I purchase a property under mine and my parents name (on the deed) but only my name on the mortgage? Do I tell the seller this at the time of paying earnest money? How does this work?

My goal is to save 300k by end of 3rd year. HCOL. Do you think I can do it? Or maybe 5th year?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

How did you get into real estate?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

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

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

New to Fishbowl, currently working on a career pivot! I graduated in May with my MBA and have experience as a Director of Operations as well as recruiting and HR experience. I am looking to move more into Change/Project Management or Director of People Operations roles. I have been at the application game now for two months with only two interviews and over 20 applications sent out each week. Any advice would be greatly appreciated!! Feeing a little defeated over here. Thank you!

Is it worth it to do post-graduate work in design? Does anyone here have an advanced degree?

What careers pay the best in the Uk?

Anyone have any recommendations for home office ergonomic desk chairs?

So Nissan Altima now counts as Uber select? Awesome

Interested in a San Francisco/Bay Area networking/support group for consultants that have been laid off?
See comments for more details

Met a guy thru a mutual friends. Our first date was a day trip together. He couldnt come to a group event this week bc of work but I ended up to his house to hookup after (my idea). He hasnt texted me about meeting up this weekend...do you think i should text him? Getting feelings for him and worried i should back off before getting hurt.

Hi Fishes,
How risky is the Nagarro to join? Why to consider joining Nagarro if have other offers? #Nagarro

Any place in the chicagoland area to get soup dumplings that compare to Joe’s Ginger/ Joes Shanghai in NY, i’ve tried Ming Kee and Qing Xiang Yuan. they aren’t even close

If anyone is interested in making a move to another PA firm, GT is hiring in many of its offices, and most service lines!

DM me if you’re interested in hearing more! Hope all the tax folk are hanging in their during busy season!!

How long it takes to get laptop from pune office.
I need to go on 1st sept.

What is service line in EY GDS? How Many service lines are there in GDS?

Where can I see the reviews post manager discussion?

Hi Guys,
Is the notice period is 90 days across HSBC or is there any chances to reduce it while job switxh

I rearrange my home office several times a year. Idk why but every 4 months I need to change it up. Anyone else do this?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

What are your thoughts on lending money to family when asked? (Cont)

I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Can someone share a Charles Schwab referral link?

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

Has anyone used fundrise? What are your thoughts? Is it worth checking out?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

What do you think on buying JPM, WFC, C now?

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

Investor’s Business Daily: worthwhile?

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.