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

First human to cow transmission of the coronavirus. And the bull is dead.

Are we on recession? My portfolio is super down - low cost ETF investor here

How do you guys set up your 401K accounts ? Since a lot of vanguard funds have bonds and I’ve heard bonds are haram to invest in? Would like opinions

What to do with stocks/crypto accumulated in US, sell them when moving back to home country after completing H1B ? What about taxation when you hold and sell later ?

Feel like I’m going to turn out to be a loser doing ID and be making crap money forever.

What percentage of your income do you save, invest and spend?

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!

Can you explain why you would stake OHM? Seems like you are just buying SHOM by staking (which has actually lost value when it was supposed to be making crazy 8K% APYs). Number of coins doesn’t grow, just their value. What am I missing?

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

Think this consolidation period is going to end in the near term, primarily driven by:

1. Microstrategy “open sourcing” their playbook for purchasing BTC as public company

2. Coinbase to offer staking for ETH in Q1 ‘21 - think how much will get locked up.

3. GME / stonks fallout - retail may moreso see the benefits of decentralization and crypto. Yes Coinbase is CEX to get you onboard, but DEX can’t be turned off.

Would you cash out refi a rental property to buy another rental property?

Hi there, I had a question about 401k or Roth IRA. Should I put money into anyone of the two as an international student? I don’t see the point because I want to invest my money instead of saving it. Plus I don’t even have a permanent resident status so I don’t know if it makes sense saving it for retirement. On the other hand, the employer match and so on sounds good. So should I save it and take it out later or just invest it?

Confused about long term capital gains tax rate - are the brackets for how much capital gains you make in a year, or are the buckets determined by income?

Ie. If my income is over 40k do I pay 15%? Or do I only pay 15% if I realize >$40,000 in long term gains in a year?

Want to buy a house in bay area? Is this a good time? Thoughts?

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

Let's say through a combination of aggressive saving, high income, and savvy investments, I manage to save several million by the time I'm 40.

If at that time I decided to pursue my passion and go to law school so that I can be an affordable attorney for worthy causes, will my age hold me back from getting into law school?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Ladies: (no wrong answer) When considering the finances of a potential boyfriend, which is more important to you:
A. his current income;
B. his current debt;
C. his current savings;
D. his current investments

Keep in mind, I am not excluding all the more important factors in picking a partner, I’m just curious about this specific consideration.

Going to Charlioftsville next weekend, any wineries, restaurants, breweries, hiking etc...to do there during COVID. Appreciate your insight!!!!

Finished final round interviews and got notified I moved onto the final step - references. Is it safe to think I’m the only one at this step? Or is there typically multiple candidates still considered

Hi, I have 5+ years of experience in IT but. My graduation is in E&TC, m i eligible for SNIP? As it says education should be related to Experience? Although i had IT subjects in my graduation? Need help please

10.5 years experience with 6+ years in US consulting, MS degree from University in California. What should be the expected CTC?

Looking to change practice area to employment law - tips?

I recently joined IBM Kolkata for mainframe. Is there any project available for 7B ? 9.4 years exp.

If someone revoke resignation in TCS.
Is there any rule that he cannot resign for certain period and where can I find that policy???

Hello, have the case study coming up soon. Any guidance/clues the group can provide?

How much time does Genpact take to release the offer letter after confirming the offer??

Salary of business at addverb
@addverb

Sunday and already tired 🫠

Welcome to a community dedicated to supporting those who deal with or wish to learn more about micro-aggressions. Did you know that 72% of folks are bullied by their managers? 36% of folks end up quitting their job because of bullying.

Is it mandatory for all TCS employees to WFO from November or any exemptions will be considered?

Has anyone worked with a private label for their own skincare line? Just starting out so it would be helpful to find one with a low order minimum. Thanks.

Do you put pop tarts in the toaster or the microwave?

Anyone know anything about street legal electric go-carts? Think less $$ Vanderhall alternatives. Suggestions welcome.

Over the last couple of months I’ve interviewed for a number of jobs and made it to second and third round interviews but never got an offer. My last interview was on Monday and I got feedback that I did not get selected because it did not seem like I was a a team player. Ive got three interviews coming up and l am wondering how I can improve my chances of getting an offer. Any ideas are welcome. I need a new job like yesterday.

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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

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?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

For those that built higher end homes, what kind of appliance budget did you have?

A friend of mine is trying to evict bad Section 8 tenants in the Bronx. Anyone know a good lawyer that can help with this. Please DM, thanks

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 I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Tomorrow is a big day for me!
Made a written offer on an apartment on Sunday. Owner‘s starting price was 500k. My offer is 450k. He thanked me and we are meeting this weekend to „negotiate“. Tips?

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

Those living in 1960s & 1970s homes, how do you overcome the fear of asbestos in home materials even though the home has been updated. Any tips overcome the worry? Not yet tested for asbestos

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Anyone want to aspire and get their real estate licenses together for a side hustle?

Expensive homeowners insurance or cheap insurance?

Is it worth it to buy a “starter home”? Or should I rent and continue saving for a house in an area that I would want to settle down in?

Where are you buying your kitchen cabinets? Used Ikea in the past but that's clear not going to work right now.

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

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

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