Anyone know of a good lender with first homebuyer benefits? Or grants without income restrictions? Im in Chicago

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

How does pwc’s wealth builder plan work ?

Hi - any good books recommendations for getting started on real estate investing?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

In your opinion, what’s the best hedge / best buy against rising interest rates?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Is it possible to buy a new luxury German sedan car with 30k budget?

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

I started working recently. I got my semi monthly pay recently and I use all of the semi monthly pay(not including 401k and IRA) for rent. (So 50% in total) Is that too much? Starting salary is pretty bad in here.

Hi

I have got an opportunity for interview in mearsk for sap atr fico S4 Hana consultant , please let me know the interview process.

I am having total experience of 8+ yrs and relevant of 6+ years what salary can I expect and which level will be suitable for joining .

Genuine suggestions needed please.

Thanks in advance .

Anyone From cvent tech team here?

Hello Fishies

I am currently working in an insurance firm for last 3.8 years as part of the senior SOC analyst.

Current CTC - 5.6 lpa
Skill sets - Incident Response, Threat Hunting
Currently based - Mumbai

This is my first company where I was hired as a fresher and moved up the ladder. While i am planning to move out, i realised i have no experience of the market standards for someone in the domain, How much are analysts in Blue Team SOCs being payed? How much should I expect?

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

Is wellsfargo strict about entry / exit timings and attending 3 days office ?

Do you tell corporate industry recruiter how much you currently making if asked (and stressed on knowing). I told them the number then also said I want at least 10-15% bump from that #, sounds like...

Is anyone looking to exit corporate life altogether? Trying to balance the emotional gut punch of taking a massive pay cut with the benefits of being able to live a life that is not dictated by the demands of my job.

What are some of the perks of working for Deloitte?

Anyone here counsel for a parent company with a lot of subsidiaries but the parent company’s legal department is really really small? I’m wondering if a small legal department for a large company is more of a pro or con? On one hand I suspect it’s less organized, on the other it might be a great leadership opportunity. Any insight? Thanks!

Mr. Manager is posting again y'all 🤡

Who has made the leap from working/living in the US to abroad? Any words of advice?

Does anyone know of any nonprofits that I can volunteer with? Trying to get more involved with the community as much as I can.

For getting promotion who take the main decision? Manager, Supervisor or HR?

Took my first ever sick day today on account of my very poor and worsening mental health. Just could not bring myself to put in another 14 hour day with back to back meetings and constant activity. Felt very guilty but I honestly wish I could be more honest and actually share with my manager about why I took a day off.

For those also going through this, any tips on how you manage yourself day to day? What self talk tends to help?

I was trying to figure out what my personality trait was a few days ago. It’s depression, my personality trait aside from work is depression

Hi All,

I’m looking for testing openings. I have around 3 years of experience in both manual and automation testing.Could you please tell me do you have openings in testing roles?

LWD: 09-SEP-2022
Location: Chennai, Bangalore, Hyderabad

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Does buyer have to share appraisal with seller? Can seller request it?

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

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”.

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.

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

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.

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?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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?

What price per sq foot to investors start buying in the north ATX home? My home is on the market and not moving. Trying to understand at what price point does it become attractive to investors

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.

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

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)

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.

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).