ARM in this market. Thoughts? About $200 saved per month on a 900k mortgage as compared to 30 years fixed.

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

What companies do you recently regret not investing in?

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Best high yield savings products?

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

What are 72 and sunny and droga benefits? Looking for details on 401k like vesting periods, matching etc.

IMO It’s only a matter of time that Cuomo closes the entire NYSE. If you are holding short term options, consider the risk.

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.

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

How long did it take after getting your license to actually start making money?

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

Hey FB fam. I’m putting together Financial success resources. If you have any books, articles or podcasts in relation to personal investments or real estate you recommend, please feel free to share 🙃

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

Resume question I've had three positions over my career one of which lasted 3 months and that I got fired from, the job search took an additional 2 months. Is it worth it to leave the 3 month stint off my resume? It might be easier to explain getting fired then a 5-month gap I was thinking

I’m so sad. I’m 5 weeks, 4 days into my first pregnancy and started bleeding yesterday morning. Went to my OBGYN and said it’s very possible this is a miscarriage, however, my cervix was still closed at the time. I’m 29 and have no family history of miscarriages or abnormalities. I’m taking my 2nd blood test tomorrow to see if my HCG levels are falling (bad sign) since my first test. I stopped bleeding this afternoon so lasted ~24 hours... I’m so confused and sad and emotionally drained. 😓

Pick up day tomorrow ; Doctor suggests performing an additional elective procedure such as IVM, ZyMot, and Gold-media.Any fishes have any feedback on these procedures? What was your experience if any of you had done.
Appreciate the help.

@McGraw Hill any idea on salary for academic design roles ?

How is the work life balance for Data science role in CFR at Amex?

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

My background is in tech transactional. I joined a cybersecurity SaaS startup at the end of last year and now also handle more generalist matters in addition to all things commercial-related. I have a number of books on contracts that I’ve found super helpful over the years (The Tech Contracts Handbook, A Manual of Style for Contract Drafting, Sign Here, etc.). Can anyone recommend books they’ve found helpful for L&E matters, privacy matters, product matters, or marketing/advertising matters?

I just got into reading books, any suggestions to start with? Which could help to increase media/marketing knowledge.

Can anyone help connect me to someone who might be searching for a copywriter with a few years of CPG experience? (Originally from MN, looking to network)

I’m a SC at Deloitte making $136 base with 5 years of experienced I also have a masters. Am I underpaid? Wondering if I should try to move to industry

Anyone have an idea what the Guidehouse salary range for senior consultant is? Glassdoor average is between 90-114k. Does that sound right or is that low?

How long does it take to implement a Plaid API product?

Expecting an offer this week or early next week, but want to know when you start negotiating the salary? When you receive the call from the company or wait until receiving the formal offer letter? And how should the negotiation start? Through phone calls or emails? Didn’t use recruiter for this position, so I don’t know what is the process here.

Any books that you found very helpful to read as expecting parents? We’re just nine weeks along, but would love to start preparing however we can!

For those you went client side, what pushed you to move from an agency to brand management? What do you like more working in house?

For every Logistics Manager:
What are the top 3 red flags when evaluating hiring a new provider?

Any recommendations on a good water softener system (4 people)?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Any Property Management recs in Seattle area? :(

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)

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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.

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)

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?

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

Is it common for HOA to ask you to prove your car registration is up to date?

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

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

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.

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?