With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

I will be a US citizen in a few months. Does this mean I will need to give up my Aadhar card along with Indian citizenship? What happens if you have property in your name? Needs to be transferred?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

Forgot my wallet back home, realized half to airport. Now going back. Great start to the week

Assalamo Alaikum brothers and sisters . Hoping to get some advice on 401K . I researched the target retirement fund and all of them have financial institutions so I don't want to invest in target date funds. I am not sure which funds I can invest in ? Can I ask fidelity for an alternative based on my beliefs? If so, what should I request ? Any IBMer here any insight on what options we have for 401K in Fidelity? JazakAllah Khair.

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

Do we have 4 wheeler loan assistance in Lilly ?
How does it work??

Hi All,
I have recently joined TCS. Can anyone please let me know where i have to upload rent agreement and rent receipt in Ultimatix for HRA tax exemption.

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

Does anyone invest in crypto ICOs? Based in US, looking for a good platform to invest through

I’ve been using CoinList, but lately all their ICOs exclude US - so maybe we just don’t have many available to us anymore

How to know the GGID for checking final settlement payslip

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Recommendations for tax filing in Chicago downtown?

Best resources/books on getting personal finance in order?

Joining Google in few weeks and my side gig these days is researching 529 plans for my almost 1 year old. Does anyone know if Google offer & contribute to any 529 plans? If so which one? I see it listed in benefits section of onboarding site but looking for the plan name at the least.

Hi All,
How's the Job security and WLB for JL 8 (AM) employees in Accenture?
I know it has got a lot to do with the project, I'm assigned to, but just wanted to get an idea. Any insights?

Skill ~ SAP
YoE ~ 9

Shooting stars tonight at my island! Will post a dodo code tonight

I interviewed at a small local firm on December 3. They originally said two weeks so I contacted them December 18 and then they said they would have a decision this week. Continued...

Anyone else following Rocket Lab’s debut today?

Weekly Hot take. Accessibility=/= easy mode. I know it would take alot more time and resources to develop but more games sould come with accessibility features like color blind mode and maybe a bullet time for jumps. I am not a person with disabilities but i believe Celeste did a pretty good job at adding some of these features. I know it's hard to account for every type of disability but we can at least start with the most common ones.

How to ask for onsite opportunity from company?
Not in HCL, but all service based company

Mullen NYC ppl, you still hiring ACD cws? Mindy is completely unresponsive. Or is your company site serious about not going through employees?

How difficult is it to move between Big 4 M&A Deals Practices (i.e. PwC->EY, KPMG->Deloitte etc.) and when is the best time—financially and otherwise—to make a move post MBA?

Hello!
Which consulting firms in EU/UK region are open to hire internationals? Currently hold an MBA and work experience in US but looking to move to EU/UK area.

TIA

Hi all
I am a senior system engineer with 3 years of experience in ReactJs.
I am desperately looking for a change right now.
It will be greatful if I can get few referrals

Hello

Is there anyone who is to join Morgan Stanley for technology analyst this year and will be a part of 3-4 months training?

Also, is this training virtual or physical? If physical, then Mumbai/Bangalore?

I am a Senior Manager of Software Engineering and lead architect at a small company (was a startup with < 10 employees when I joined, now has > 50). I am the most senior technical person in the company (we don't have a CTO, I report to the COO), even though I only have 4.5 YOE. By God's grace I have been able to succeed in the role, but feel that I am underpaid and would like your input.

Base: 122k, no equity

Partners - Do you ever take vacations?

I have been at my current firm for about 1.5 years, and in that entire time the partner in my group hasn't been out of the office a single time. Is that normal? I can't tell if it's standard for big law partners to not take time off, if the dynamics for my group may be different (only 1 partner in the entire group), or it the partner I work with is just a masochist.

Is there any on-site opportunities are available in Citi for Automation Tester?

Have you ever traded flowers? I only trade 1 kind- your tulips for mine... You down? ;)

Anyone know a good artist to do portraits? Want to give my SO a surprise anniversary gift

I am 39 F. Based in US. Looking for a person over age 39 and living in US - any state. If you are looking for a match let's connect.

Hi
Has anyone used/given coderbyte sql assessement.
Just trying to get a little more understanding on it.

Any good recommendations on home (single family, 2-storeyed) security camera systems?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Any recommendations on a good water softener system (4 people)?

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

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. Also, any regrets?

I'd like to buy, but the market is absolutely atrocious currently

Feeling bit scared after closing on first home, yet to be recorded in registry and receiving keys, please advise few ‘To Do(s)’ before moving or just after moving immediately, it’s a new construction in Boston suburbs.

Also praying that this turns out to be a decent deal.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??