Bank of America: Zero-down-payment mortgage for first-time buyers www.nbcnews.com/news/amp/rcna45662

Is this a recipe for disaster?

Is a 49% debt to income ratio doable for someone who lives very frugally?

Can people on H1B status earn money through side hustle or is sponsorship required from each company?

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

Hi all, have you seen the consultinghumor survey on income? What is your opinion on it?

Debt payoff update: house paid off, personal loans paid off, credit card down from 22K to 5K. Car loan is 21K. Looking to be completely debt free in 6 weeks, very excited!

Newbie trying to buy some alt coins. Currently have some money put into eth and ltc. Suggestions please?

ARK is holding up very strong, not sure how and why while other coins are plummeting?

Fishes,
Im working in Ey india,
Do i need to declare personal loan anywhere is it required?

Who all is looking to buy a house and in what area?

I told myself I wasn’t going to do it. Re-assured myself I wasn’t going to do it. Told myself you’d know what would happen and still ended up gambling away a bunch of money I know I couldn’t blow. I don’t understand.

Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Zscalar . Is ESPP mandatory to choose if mentioned in offer letter?

Has anyone here participated in the year long remote year program? My company is fully remote in the US and is in general supportive of me going but concerned about local and international tax liability. Remote year doesn’t share tax advice and our HR team is small. Curious to hear from people at companies who have done it before and if there were any issues from a tax or payroll perspective. Trying to get the formal approval from my company before officially signing up, advice welcome!

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Looking at making a move to the independent side. Have around $20m in AUM in wealth management with another $85m in retirement plan business. Been looking at Investacorp. Any thoughts?

Do you guys get random emails offering to discuss a possible position? I get many of these and I’m not sure if they are legit!
It’s usually the coo or ceo that emails which is kinda weird! Would be happy to hear your thoughts!

How much max ctc can be asked for in QA manager post ?

Hello! I’d like to get a puppy soon but I’m not sure where to go! Any recs? Id like to adopt

So this will be my first Thanksgiving working. Not going to miss the family drama, and I'm imagining front of house will do pretty well with tips but maybe that’s optimistic. Any thoughts?

Does anyone pay for premium rooms on stocktwits? If so, what rooms and do you find it worth the cost?

What do you do when you need to work with your EC students, have explained this to your teacher assistant (para), but they don’t assist the remaining children with engagement or problems?

Currently being recruited for Alvarez & Marsal (Dubai or Riyadh). I’ve checked with my irl network and no one has worked with them before. Anyone here working with or for them who wouldn’t mind answering a few questions related to my proposed function; Strategy & Implementation?

Big4 senior 3 tax comps?

Hello Guys, I've recently got an offer from Nokia for Senior business analyst role and CTC is 25.5 lpa (22.5 FP+ 3 vo). I've got 9 yoe as a BA. Do you feel it's a good offer?

Getting life insurance so they drug tested me. Now they want me to fill out a form that basically asks me to certify if I’ve EVER done any of these drugs. What the? Who hasn’t EVER? What happens if I say never did? Idk my results from the drug test, maybe I smoked a bowl in the last few weeks, can’t say for sure. How does this work?

I’m looking to identify a good consultative selling program for a newly licensed junior advisor. Would value ideas of programs which you have had good success and experience with! Thanks.

What communication platform does your team use [Microsoft Teams, Slack, Skype]? What do you like and dislike about it?

EY risk management advisory senior 3 base salary?

Applied for a role with Salesforce and had both a talent advisor and corporate recruiter reach out to schedule time to talk about the role. Is this normal for the recruiting process for two different people to reach out to schedule time? Is one more senior than the other/different approach?

Hi All,

Can some1 tell me which company is better wells fargo or Natwest in terms of wlb, year on year appraisal, work culture and diversity candidate?

Thank You in advance

Anyone have experience with Norte Dame's Business Analytics Program? Thoughts?

Anyone have a salary range for Head of Business Affairs in NY?

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

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

Thinking about using my VA loan in a few years. Any advice?

How to optimize mortgage rate in current financial climate? Found a really good home and only thing holding me back is interest rates and how its poised to ho higher

Hi! European here who moved to New York and trying to buy a condo apt. Any tips on the mortgage process, any good providers here with good rates and no crazy costs? Condo is $450K and putting $200K down if helpful

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

That couple who asked for cash for their mortgage downpayment at their wedding is getting a lot of shit but I feel like that's honestly really smart. Why not ask for what you really need? Especially with prices how they are and only getting worse.

What is the most difficult part of buying a home for the first time?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

How much is 2k a month for a house payment? What size loan would I be able to get?

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.