Any recommendations on getting the best mortgage rate? Which website should I use to look at all competing offers, Zillow? Lending tree?

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

First gen, first year lawyer here. What do you do when you have family members who expect money from me every paycheck. I try to stand my ground but I get guilt tripped, especially when those family members were there for me.

It’s getting hard to save money when there is this expectation that I must give them money every paycheck. It feels like I have nothing for myself.

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

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

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Amex Platinum or Chase Sapphire?

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.

Decided to payoff my mortgage.

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

What is the best way to invest in IPOs.

Any tips on negotiating rent increase? I got a 20% increase and it’s more than I am willing to pay. What are effective ways to negotiate?

Does anyone rental properties and is interested mentoring a newbie (me)? I own my primary residence, and have for years been excited about investing in rental properties (listen to Bigger Pockets podcasts, have some markets in mind), but I have trouble determining what route I should take and how I should get started.

How's the culture/work load of deloitte India corporate finance division since I am in advance stage of discussion?

I work at a surety agency and we would like to branch out into P/C commercial lines. Anyone know anything for sale? Or where to look?

How does underwriting compare to PIP litigation in terms of flex time (ability to stop/start work throughout day, work at 2 am if needed, etc)

For example.. in PIP Litigation I can review my suits at 2 am if needed (as a result of having a rough day or other emergency) and still be in compliance

Does Underwriting carry any time sensitive tasks?

Are there any tax benefits from working from home?

So I’ve been meeting a guy, he initiated the conversion twice, but it’s been about 2 weeks and he hasn’t initiated the conversation since. Should I play it cool or initiate it from my end? FYI: I don’t like to EVER initiate conversation, I ALWAYS like others to start.

“What do you guys see...a mouse or a blue screen”

Hi 🐠 - I’m actively seeking consultants with prior BA / product owner experience for roles at a boutique NYC-based IT consulting firm. DM me!

McCann posted today for a Business Manager on LinkedIn.

What's the current hourly & weekly rate for freelance for a mid-senior level Business Affairs Manager?

Hey everyone, etc. is short for etcetera and not ecksetra, ecsetera or exetra. It’s
etCETera. You’ve been alive for at least 2.5 decades. Why is it still confusing? Thx bye.

I got an offer from Natwest. My current company is accenture and they are offering me to promote as an assoc manager if i take my resignation back. Shall i consider it? What whould i prefer Nat west or promotion in Accenture. How much hike accenture gives while promoting? Any inputs?

Told a friend of mine in tech I was considering moving to BCG. He asked me if I would have to move to Boston.

I followed up by asking what he thought the top consulting firms were. "I'd guess PwC and then McKinsey are the best. I've also heard of KPMG, Deloitte, and Bain, but I don't know much about them."

Just a reminder that outside our bubble no-one really cares about firm prestige etc.

Any inputs on QS stock? I got it at $15 rate, how long will it stretch? Pretty new to shares, how you people decide when to pull back?

Just got offered a job at a small biotech in London (UK). ~£45k plus bonus but only 1YR FTC and no equity.

Pretty sure it's a discovery role too.

I just finished my PhD at a very good uni with 3 years technician experience before that. BSc and MSc also at very good unis with good grades.

I think this offer is well below par, but curious to hear what you guys think/if you have any comparisons?

Thanks in advance :)

Lifting you all up in prayer as this new week begins. Peace for burdens, sharpened discernment at work, and Gods love and favor from the tops of your head to the soles of your feet. 💓

With two years of work ex as Data analytics and constant upskilling from Coursera / Scaler towards product management domain how do I align and prepare for roles in Microsoft in the big picture atleast an year or two from now?

Not asking for referrals when I'm not worthy yet, but I'm willing learn until i do so any guidance is appreciated. Thankyou.

How do you deal with clients who act like they know more than you even though they don't?

Hi folks,

I have 8.9 years of tech writing experience. How much CTC should I be expecting when I join a new company. My current CTC is 20L pa (18.75 (fixed) + 1.75 (variable)).

Anyone listening to the podcast “Dr. Death”? Both fascinating and horrifying...

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

What's the best city in UK to buy a buy to let property, with best returns?

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!

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.

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?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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?

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

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?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Anyone take the WI Real Estate state exam? Any tips on what to study?

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.

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

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...)?

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

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