Any feedback on Mr Cooper? Thinking about refinancing my house and the offer 2.65% for a 15 year mortgage, 1K of closing cost

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

post tax(Roth) or pre tax 401k? which is the better option for us on h1b?

Is crypto dead or 2024 when next halving

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Owe ~$4,500 in taxes for 2020. Anything I can do to reduce this amount? Going to contribute some extra money to 401k to get me to 19,500 for the year. Anything else?

Guys I'm confused, do we have an IRA account with PwC or is it just 401K?

Can someone please explain the process of selling a home when you have an Islamic loan? Since it’s profit sharing i don’t fully own the home right? So if i sell it i can’t take full profits since i don’t own it outright. I’m considering Islamic financing but have so many questions about it. Can you take an equity line? Can you write off mortgage interest?

Why is the market going back up already? Is this how it was in 2008? Should I keep my 401k same or increase?

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

How well can I live in Chicago on $55,000 a year? Also, I have no student loan debt coming out of undergrad.

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

How do you calculate IRR for a write off? Is it just 0% or should it go negative? There’s no cash moving after the initial investment so not sure what to do.

My portfolio has been stagnant for a week now. Last few times this has happened, market has tanked. Anyone else feeling we’re at an event horizon soon?

What is the minimum salary required to be able to save 3 lakhs per month in Glasgow (wife is not working)?

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

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?

Best provider for good rates on used car loan?

Anyone else spend crazy amounts of money going out on the weekends because you know you don't spend anything during the work week?

Whats the salary for a senior compliance officer in miami at an investment firm?

Any book recommendations for philosophy, psychology, and business? Or any book you read last year changed your values? Going to fly international, gonna read it on flight. 😍

A director in another unit wants to meet me to “continue a conversation we started last year”. He is referring to the time I had asked him if there were openings on his team. That was over a year ago. I am not too happy where I am right now ( I stayed where I was). I also don’t know if he really has an opportunity or if this is just some corporate circle jerk where my current director is trying to “smoke me out”. I don’t speak poorly of my team/work. How would you approach this conversation?

Love summer but one thing I hate about summer is flies, in Atlanta you have atleast one fly in the house during summer.. and I just swallowed one accidentally while I was talking in a meeting.. ugh, EWW!

Fti 🐠, what is the salary band for a senior director in forensic and litigation consulting?

Is Word or PDF format resume more compatible with ATS? P.S. I have invisible tables underline my resume. Please advise. THANKS!!

What’s next on your expensive wishlist to make this job a little more comforting?

How do you deal with making mistakes at work? I’ve been doing good work lately but there’s one partner who thinks I’m mistake prone and I just made a mistake on something he asked me to do, but I corrected it quickly. However, there is public record of my mistake.

Can anyone speak to the analytics team within HIA at PwC? Good capability, culture, and people overall? Considering a move.

I am a creative designer/animator with a leading medical tech company with 6 yrs exp and based in NY. Currently looking for new roles because of relocation requirement at my current role. Any tips or referrals would be really appreciated. TIA!

Hi anyone from india offered and visa process started. If yes please share offered date, PWC contacted date, cos received date, biometric date, visa stamped date. It will be helpful for the people who apply from India. Right now there is an delay in process, so sharing the details will highly helpful to others. Please!

What’s the difference between a 750, 760 and 770. I just took for first time and got 750. I’m confident I can bump it up. Is it worth retaking or is there no measurable advantages of 10 extra pts

Consortium applicants: Can you apply to different schools in different rounds? Eg. Three schools in Round 1 Two schools in Round 2

Anyone noticed that with aerobic / cardio exercises it gets more difficult to focus? It is like my mind a TV and someone else gets the remote and goes through every channel every 30 seconds or so

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

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”.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

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

Do y’all do 15 year or 30 year for your portfolios? I personally plan to have a “job” or “career” for both the next 15 and possibly next 30 years, so should I just do 15 years to get a free and clear portfolio earlier? 25 year old and just getting started. Have a duplex in a major market (looking to refi out of FHA), and eyeing other opportunities now. I don’t “need” cash flow, so should I try to just build equity?

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.

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.

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

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.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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?

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

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?

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.

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...)?