Will interest rates ever get back down to covid era levels?

I might get roasted for asking such a basic question but - how much do you budget for eating out ($ amount or % of budget)?

Pre pandemic I was traveling 5 days a week and just used left over per diem on the one night I went out with friends at home. During covid I stayed home. Now that I’m fully vaccinated and are many of my friends they want to go out to eat/drink. During covid I moved from a LCOL to here so I’m experiencing delayed sticker shock at the prices. Any tips?

How many think marketcap of cryptos will reach 700 billion or more before year end?

Any idea what will happen to the classic car market as a result of the war in the Ukraine? Are prices going to come down or will classic cars be considered “safe” investments during this time of crisis?

Obviously all speculation, just curious what others are anticipating or have experienced.

(I am fully aware that this is not the most pressing issue, so don’t jump on me for posing the question.)

How long did it take after getting your license to actually start making money?

How bad is this trade war going to be?

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

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

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.

Guys 500$ to invest in alt coins..Any suggestions?

What financial sites you use to keep track of portfolio and also do basic analysis of stocks. Such as which one are monthly gainers looser or how they performed in last 5 yrs. I want to build a cont.

Has anyone here used infinite banking to fund their real estate investments? If so, could u share details about the policy design you got? Is there a way to tell how different insurance agents have different fees before engaging them in discussion?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

So wanna run something by you all. Looking at insurance plans. There are 4 plans that allow an HSA. 3 of the 4 are identical.
500 firm contribution to HSA = ~21/ pay period. Add that to lowest HSA premium plan. It still comes out lower than the out 3 plans. So what am I missing?

Hi All. What is the best way to allocate 25 Lakh INR in savings into different investments to maximize returns. I recently moved out of India so Tax rebate is not a consideration for me. I already have 6 lakh plus invested in PF and MFs but I want to invest more as my money is getting depreciated in the savings bank account.

I also have an education loan with balance of 7 lakhs which I am planning to repay in lumpsum as there is no tax exemption now.

How's Manor as a city in terms of buying a single-family home: school-wise, future price appreciation of houses etc ..?

Is anyone changing their retirement plans based on COVID-19 realities and the future of work.

Wtf bye money

Does anyone here know anyone who threw a covid party or attended one? I just read about them in the news, but don’t know anyone who would go to one, especially advertised as such.

I’m a mess. My Bf Has surgery this week. I’m so scared one of the docs/nurses will have covid and pass it on to him. I cant sleep.

I have been selected as associate software engineer at oracle cgbu division from on campus placement. When does the internship period usually start and also does the company provide a macbook for work.

What should base salary be for senior 1 and/or senior 2 in IT due diligence? Doing an internal transfer from IT audit.

Does ibm give any Diwali gifts?

How does SM compensation range in Canada amongst the big 4 in Consulting? I would imagine $125-$200K annual plus bonus. Is that right and what’s the median like

Is PR dead? Seems like s struggle and really few and far between to execute something that drives a ton of earned anymore. Seeing it across the board...

Help me to choose between the following 2 options

EY GDS : Home location Kolkata + x lpa Fixed + 50k joining bonus + 70k variable pay for developer role

Microsoft : Hyderabad Location + (x+1.5) lpa Fixed + 2 lacs joining bonus + 2.9 lpa variable pay + stock for Azure Support Engineer role

Thanks in advance.

Off topic: Looking for flats /apartment
1bhk near yemalur Deloitte office.
Kindly help if you are aware about any affordable rented properties

If i haven’t signed anything with my firm regarding repaying them for receiving my series 7 license with them I’m assuming i owe nothing if i leave? Is there a way to find out without my manager knowing I’m looking at other firms?

Worked in Financial Services and Wealth Management for 12 years. CFP working in the banking channel and completing my MBA within a few months with a focus in Mergers & Acquisitions. Really can’t take the stress and compliance involved with being an Advisor anymore I’m losing hair everyday. Any suggestions where to go?

I got a covid drive thru test in July and now the medical provider sent me a $700 bill for that and my Uhc insurance has rejected this. I know healthcare in America is screwed up but did not realize the extent of this. Does anyone know what my options are? I thought covid tests need to be covered by insurance under CARES act

7/14 check in - did 1 hr of weights! What were y’all up to?

Hi fishes, can you guys pls suggest any companies who are willing to give work from anywhere opportunity?
*work from anywhere means from outside india as well like UK

How long does it take to get a full offer letter? I've been chasing continuously and have turned down other offers in the hopes that I can sign this one. It was supposed to be sent last week apparently but no sign of it yet

What kind of discounts does your clinic offer staff?

Well I guess my holdings are never going back up in value

What's your target retirement savings? Target age? Combined or single?

What is the percentage annual appraisal hike given for CTC of 32 to 35 LPA at TCS? Grade: C3B

As other global firms are calling their employees back to office ? Will pwc ac follow the same or will continue to provide option of working from home .

Did anyone come to know about your tier or hike or bonus? Please do share...
Soooo much waiting....

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

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

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Where do you get your Airbnb data for rentals? Deciding between STR and LTR on my property right now

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

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?

Currently looking for a roommate to share a 2 bed apt with in suffolk county long island. Message me if you are interested. Budget around 1300-1600

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

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

Trying to find an investment property to rent out for about $300k - what are your recs for location ?

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

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

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.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Has anyone bought a 5 plex or 6 plex. Please share your experiences, cash on cash, challenges you ran into. Also, do you use management company or do you manage it yourself

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!

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.