With variable income that can range significantly, how do you get comfortable with a large mortgage? How much cushion should you have in case the year with very low income? For example, if my mortgage is $8k, how much reserve and income should I have?

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

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

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Is Argyle, TX good place to buy home and raise family?

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Hi all,

Does Here Technologies offers employees stock purchase program in India, do they provide stocks with regular offer/bonus??

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

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.

Finally I am a tax payer of India.... After 3.2 years in TCS, will pay tax on 8k😂😜😜😜

What’s better the S&P or a total stock market index fund?

Moving to NYC soon for an entry level salary in IBD- what taxes can I expect to pay?

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Is it possible to be a “silent” investor (party A) with a friend who’s an accredited investor (party B)investing in a company? So if B is investing $50k in a company, and A wants to give B $25k of that investment, is this possible with an agreement between A and B, where they’re responsible for their own portion of taxes?

What is your firm’s vacation policy? How many days do you get? Are you happy with it?

How long after I start at BCG do insurance benefits kick in

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

TTC for a year, went to RE for a fertility check and SO and I are healthy. Other than the ovulation prediction kits, what can help improve our chances?

I’m a physician assistant with interests in technology. I’m well versed in epic. I’m looking to leave clinical medicine, what kind of roles are available with epic?

Good evening Everyone, I have been a PSR for 10 years with the same company, but worked for 5 different practices. Was looking to move up in our company but from what I’m understanding, we have to have a degree in management. How would I go about trying to move up in and out of my position without a degree?

Hi Everyone!

I am looking at hiring a Sr. Salesforce (Sales and Service Cloud) and Sr. Salesforce (Marketing Cloud) Consultants. They can be based anywhere in North America. If anyone is interested or knows someone who might be. Please shoot me a message or comment below.

PS - Open to Full Time Permanent opportunities or someone looking for contract work is also okay.

When people move between MBBs, what is generally the reason?

It’s internship season! What’s your best advice for someone looking for an internship in the industry?

Hi Sharks,

How is honeywell company in terms of work and compensation.


Thanks

Hello Fishes, I have two offers in my hand
1. L&T Technology Services: 22LPA(8% variable) + 1L JB
2. KPIT : 22LPA(Fixed) + 1L JB

TS : Infotainment Testing, YOE : 8
Which company I should join?
It would be helpful if I get to know about the benefits of both companies
Need suggestions!!

Bosch KPIT L&T Technology Services Continental Mercedes-Benz Research & Development India Wipro Tata Consultancy Tata Elxsi Altran Capgemini

I have an offer with wipro but the offer is just 45% hike.
Is it worth to move on ?? I had resigned but having second thoughts on this
12.5 to 18 lpa
Yoe 7.5

Job offers. Got an offer from Parker hannifin within 2 weeks of application. Still going through interview process with Rockwell automation, 3 interviews and over a month. Operation manager said I will be hearing from Hr soon on next steps. Leverage offer with Parker or take the job?

Huh, the word is unkempt. I've been saying unkept all my life. Oops.

Anyone hiring for Business Analyst profile YOE 2.5 Notice 30Days

Should Dropbox be used as the main file system for a busy Litigation office? Help me prove that it shouldn’t and suggest a software that your firm uses.

Hello! Would someone here be willing to provide a referral to Prudential Financial?

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”.

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.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

Has anyone here used New Western to buy real estate deals?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

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

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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)

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

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

What, if any, were your main complaints?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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

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

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?

Any one knows what’s the easiest way to order a radon test for new construction?

Do you thank your tenants for paying the rent? A quick thank you text?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

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)

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?