Why wouldn’t people open bank accounts for sign up bonus rather than put in HYS? It seems the former provides higher return.

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

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 did you buy your first house? How much is the down payment and monthly mortgage? City too would be helpful, as well as any general advice from your experience. Thanks!

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.

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

With the market kinda tanking lately, is now (late December) a good time to break into the market and buy a few various stocks?

My firm doesn’t match my 401k — still worth opting in?

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

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

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.

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

Hi, I have 2 offers below,

1. 50lakhs per year in Bangalore
2. €105k in Netherlands

Considering the economic crisis due to war, inflation etc. I am confused on which one to select. Please guide me.

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

How is everyone doing? And are you currently working while everything is going on?

Does anyone have the experience of taking on a global mobility assignment from Deloitte US to Canada? If so, was your work permit processed under intracompany transfer without LMIA? I'm trying to figure out if accepting the assignment will get me over the CRS cut off...

Anyone have or know where to get a good returns analysis template for a take home case study?

For EY UK 🐠
What level/salary range can someone coming in with a Security Architect background target?

5 years as Security Analyst
5 years as Security Constant
2 years as a Security Architect

All in banking/finance

TIA!

Hey Folks,

Can anyone refer me for SAP CS/SD consultant.
YOE : 2

Literally all of my LinkedIn connections are recruiters lmao

I'm an EMR implementation specialist looking to transition into consulting. Does anyone know of any opportunities where this kind of experience would be useful? Thank you for your help in advance!

How is EXL HEALTH (SCIO) Chennai In term of WLB and job security, Pay for 4 years experience

Curious what’s a fair salary in MA? Was just told that there is likely not going to be a chance for a raise during my upcoming performance review due to my salary already being “above average for the industry” based on my employer’s questionable research. I’ve been with the company 8.5 years & am the only one in my role, which they can’t operate without. I execute tasks from two investment advisors and two financial planners - they make the decisions of what should happen & I make it happen.

Anyone work in tech and blockchain? What exactly do you do?

Confession - I left federal consulting and into commercial because I can do drugs without worrying about my clearance. Thanks for coming to my tedtalk

I am trying to land a role as a human resources business partner and I'm wondering which certification would be the best for me going forward. Phr? Shrm? Thoughts? Thanks!

Does reaching out to HR at consulting firms improve my chances of getting a first interview? If so, how should I approach that?

Hi, anyone looking for pg in Hyderabad, and in case you are traveling from dehradun DM
#networking

Today I joined the JPMC mumbai and got the offer from UBS Pune, both are providing the same package.
I want to work in pune, what should I do?
Leave the JPMC and join UBS

Does UBS provide laptop?
I am hearing from HR that laptops are not issued. If that is the case how does WFH happen and how does flexibility work?
Any inputs would be really helpful
Joining next week.

8/12 Thread (General):

Start raising cash family. Take some profits. 4/14 3:51 est

When did this bowl become so competitive and spiteful? Why can’t we just be happy and support each other?

$BABA got murdered today. Buy, hold, or sell?

Thoughts on airline stocks? Good time to get in?

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

Love that in true form I chose the 1 red meme stock. 😂💎💎💎

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)

I have just got an options trader job at a prop trading firm. But I knew nothing about options/trading/finance. The firms said they’ll be officially training us once we start. But in the meantime, what are some books/resources that you would recommend to start learning first?

Is anyone planning on trading water futures?

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Everyone’s so focused on Airbnb and Doordash lol. Nobody’s talking about C3.ai though 👀

Are warrants still available on IPOE? I'm having trouble finding the ticker on TD Ameritrade

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

6 questions:
1-When to buy put contract?
2-When to sell put contract?
3-When to exercise put contract?
4-When to buy call contract?
5-When to sell call contract?
6-When to exercise call contract?

Bets videos on YouTube to learn to sell covered calls

Just read in Robinhood Snacks that Peloton has their IPO this Thursday on NASDAQ. Can't believe I haven't heard anyone else talk about this yet.