Will next year mortgage rate will be 5% or less considering elections ?
Scenario- Need to get mortgage now with 6.5 % without buying any points. Planning to refi next year or so. Does this make sense or shall I buy points now n bring down interest rates. Thanks.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Any OCI holders here facing problem with this 25% PF deduction in India?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Has anyone bought flat in kolte patils Life republic Universe in Marunji?

What are all the ways to save income tax?
CTC 9.8L

Hello fishes, can we buy land/plot to save long term capital gain tax?

I may lose a job opportunity because of my credit history - what can I do?

Started in *May* - Prior to signing everything, I expressed concern to the recruiter about the credit check. Honestly, it’s not great but it’s not terrible. The recruiter told me many times to not sweat it because it the background check was the main thing. And that we could talk through anything on the credit report. Now HR is telling me they may rescind the offer pending review. I’m crushed. What can I do?

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

In your opinion which is the best target fund to choose in IRA Roth?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Any recs for a comprehensive financial planner?

Not just someone who's like "check out this and that investing vehicle" but rather somebody willing to review cash flow, tax situation, get into the nitty gritty and meet regularly.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Can I pay income tax challan using credit card?

Do you guys factor in how far your parents live when looking to buy houses? My folks are here but I'm thinking of buying in Louisana. Scared to leave them though, haven't ever lived more than an hour away from them 🥲

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

$DPZ 370c 3/27

Decided to payoff my mortgage.

Hey,i recently got an offer for intern+fte in PwC india,They have given by base location is kolkata,but i am native of Karnataka and prefer blr or hyd,any idea how can i change the location?
Thanking in advance

Hi everyone! Does anyone have suggestions on a good standing desk or ergonomic chair?

The new X7 looks like a faakin’ Kia….

Anyone ever quit a job 5 months in without having another one lined up?

Round or exact numbers on banners/LPs? I was curious about this since in negotiations for example or pricing it's better to have the exact number. But if you have a case study, for example, is it better to say "Client X increased their revenue to 1,000,000 ARR" instead of "Client X increased their revenue to 987,500 ARR" ? Anyone has seen any impact on conversion rates?

Gratuity Form L is given to me, by what time can I expect the payment?

Have you walked away from somebody you loved? And why?

Has anyone else begun to resent data science?

Any 🐠 looking to rent out a room or sub let one from 15 Jul until 1-Nov? I need a short term option and seem to be getting nowhere in my search!budget <1000 and ideal location Lakeview nr water+park

Hey fishes, can anyone refer me to for integration role.. my skills - IIB, MQ, Azure, Java, Python ..

Did a first interview with hr rep, went very well. she set up the hiring manager meeting for a few days later. Met with the manager. Another great conversation, went over time and was told I’d hear back about panel set up. Following day I get a request from hr rep to “continue the conversation” with manager. This is set up Tuesday.
Why do you think the manager wants to meet again? Good? Bad? I felt great about the interview when we ended.

Any CAIA holders out there? How have you generally been viewed?

How’d you rate your company’s UX?

What is the work culture and opportunities at CBA for a Salesforce developer @commonwealthbank

$DPZ 370c 3/27

Hi all,
Does anyone have any availability to case prep today? Based in ET and looking for someone relatively experienced. I’ve done/given around 20 cases

Willing to refer to Deloitte USI F&EP. Message me if you are interested.

So who has tried the direct message feature?

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

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. 

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Hi - any good books recommendations for getting started on real estate investing?

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)

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

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

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

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

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

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

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

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

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.

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?

How can I invest in real estate ? Looking for an additional passive income source

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.