485k purchase price 19k sellers credits. Have option to put 18k to get a 3/2/1 buydown with 3.12% for first year. Significantly reduces my monthly payments. And breakeven point is 1 yr. I dont know if this is a wise decision or should i just go with the current 6.12% rate and refinance late? My only assumption is rates are not going to drop lower than 5% in the next 2 yrs atleast. Which makes this a sweet deal. But on the other hand if they do drop significantly i am going to lose money.

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

None of us non citizens will see this stimulus check right even though we are residents for tax purposes?

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Best SPG property to stay in London?

I have a car insurance question...can you put a different address than you live at when signing up for insurance? My wife’s family lives in Orange County so wanted to sign up with her OC address and save almost $300-$400. Any feedback is appreciated!

I opened a Marcus HYSA based on the advice in here and now (too late) I'm freaking out that I allowed this "Plaid" thing to access my bank accounts to move the money over. And it requires linking all accounts, which seems unnecessary. Do folks think it is secure??

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Roth vs Traditional 401k, thoughts?

where is the best place to sell or trade in my used car? (2019 van low km’s)

Anyone else into Bank Bonus churning?

Solicited moonshot shilling please.

I have about 10k to invest and am happy with my bags of BTC/Eth/link/Sol/etc. and defi blue chips. Looking for a moonshot or at least an up and comer. Thinking of dropping it all in Fantom (FTM). Thoughts? Others?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

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

Do you think if a person moves to Texas from the west coast or New York, then that person is being admired to by Texans, because everything is so much more upscale, trendy and classy there?

I am an experienced hire. My case might just take you by surprise. I joined EY GDS 10 months back at 40% hike (leaving PwC) and now Deloitte (DIJV) is offering me 2 level up designation at Manager level with another 40% hike. This has effectively doubled my salary in the last one year bt still I am confused to switch or not considering the amazing bonuses GDS payed off today. Please suggest.

Is there a list of agencies and clients that don’t pay on time or at all? If not, can we start one here?

BTCs dipping a bit through the weekend. Could that be an indicator to predict red futures tomorrow?

During family prayer - my mom takes nearly 40 minutes every single time (this is 2x a day, morning and night). She speaks a different language and I barely understand. How can I lovingly tell her to take less time?

What is the salary range for Managing Consultant (Enagagement Manager role) at Mastercard advisors (base + bonus)? Location: New York

Anyone has ever sent an email to the wrong recipient ? Could you please tell me how you’ve dealt with this. The recipient is not a party to the action.

I’ve practiced litigation in DC for about 5+ years at a larger plaintiffs’ firm, and am considering a switch to a defense firm. Is there any insight to how many billable hours this would require, and how much time that would actually be? For reference, the firm has a 1900 billable hour requirement and the partner said I would have “no problem” fulfilling that based on the work they have.

I hate that I still want to hear from him. I just have no idea what I want him to say or what I want to say. I feel like if I get anywhere near him he’ll be able to sense my pain. Are we sure the no contact rule is only 21 days? I feel like I need 21 months.

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

Hi Fishes,

I have been offered an on-site opportunity for Toronto, Canada. What should be the decent yearly pay in Canadian dollars that I should ask for ? I have around 6.5 yrs of experience.

I have 5.5YOE, Got an offer for 25LPA CTC + RSU 10L vested over 5 years.

Domain is semiconductor software validation, can i do better ?

Not sure what salary to ask or expect since a lot of people get paid less than me and some get paid upto double for almost the same work.

Any tips for negotiating CTC and RSU ?

Any advice on how someone can make the shift from pharma to consumer goods?

For startup founders/people with a successful side project: How did you get the idea/inspiration for your business? I’m currently working at a Series B startup and my end goal has always been to found my own startup, but I graduated from college 2.5 years ago and I still have not had any great ideas cross my mind. I do spend a fair amount of time brainstorming. I don’t want to continue working here forever, but I’m struggling to generate that “this is it” idea to build a company for. Any advice?

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?

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.

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

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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?

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?

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.

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 am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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?

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

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

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?

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?

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

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

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