Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Looking to buy an 💍. Might make a trip to India in 6 months. Any advice on helping me make the decision to buy in US vs India?

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.

Is Carvana legit? I've never seen any reviews just a hundred commercials. I could google this but wanted to know if anyone in here sold through them successfully. Thinking of selling my Benz E350, 2013. Let me know.

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

What do you guys think would classify as a good savings amount by the age of 30?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Need some help! Currently live in TX but work as an independent contractor (remote) for a NYC based company - do I still need to pay NY state convenience tax on income or would this only apply as a full-time employee?

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

Can I get a commercial loan without 25% down?

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

Has anyone used individual citi wealth management account?

Any feedback on the same?

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

Can one do an sip or increase amount in coffee can portfolio gradually instead of a lumpsum investment?

401(k) gurus - If I switched jobs in 2020, does the $19.5k pretax 401(k) contribution limit apply to each plan or is it across plans? Also, does it matter if my spouse (joint filing) is self employed and bootstrapping and is not enrolled in a 401(k) plan?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Man, what Wall Street Bets pulled off was just epic! :D So tempted to throw in some of my monies to stick it to the hedge funds and then donate any gains to charity.

Accenture talent and org offer. Manager hire at $175k base and $25k signing. Good?

I am going to India for a month. May have to change my return date. Any suggestion on what insurance/other option to reduce the ticket update cost impact.

New to UR travel portal. I keep seeing that I will get 1.5x back here -- does that mean if I have 20,000 points originally, it becomes 30,000 points in the portal? (cont.)

How much salary does jp pay to promoted associates in India? Which are not in tech

Hi,
I have got an offer from JPMC and I have another counter offer . Just wanted to understand if there is any probability for the JPMC offer to be revoked if I am renegotiating with them? Also, how many days before my LWD should I ask for renegotiation?

Hey Guys, does anyone know if jp has plans to call people to office full time from next year? I have my joining date as 1st November and want to know if they’ll continue with the hybrid model or no?

I’m bored in an airport. Vowed not to bring my laptop and my flight is delayed 2 hours. Can we spark a controversial thread? Post your unpopular opinions below!

How do you handle remote teams being in different time zones? Right now we have a ton of team leaders on the west coast with the core team on the east coast and because of that urgent requests keep coming down after hours with the expectation to address it immediately. So at this point we’re working from 8am until like 11pm and nobody knows what to do to push back on it

Hi everyone, any reviews on the TheraFace PRO?

What’s the salary range for Manager role with 14 YOE .NET in PwC AC Bangalore?

Networking ... 🙌 You have likely heard this since your day 1 at D. Doing good work isn’t enough at D. Connecting with the right people can make or break your career at the firm. How are you continuing to build your network considering the indefinite move to virtual / remote work?

What is the upper limit of salary for M band in @cognizant

I survived the cull and consider myself lucky for that.

Anyone who hasn't, please post here with your background and industry alignment.

I'm sure many others on here would be willing to put you in touch with personal contacts to help you get back in employment.

Now more than ever, remember that this too shall pass.

What is EBA IN Bosch?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

I am trying to do a backdoor roth but have about 60k sitting in traditional IRAs. I also currently live in NYC, would it be best to rollover everything into 401k, then do backdoor?

Leaving firm and thinking about what to do with my 401k. Any reason not to roll it over to my own IRA vs leaving as is or moving to new company 401k?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

What are your thoughts on Baidu as an investment?

How much do you all have invested in safer funds vs stocks (outside of retirement accts)?
Currently at a NW of ~350k and have 125k in funds and around 70k in stocks, including ESPP. I’m fairly young (late 20s) and wondering if I should throw more into the stock market over the next few months or wait it out for a correction

I moved from NY to CA about halfway through 2020. Do I have to claim half the year in CA in my taxes? It’s a temporary move so hoping I don’t have to (but my drivers license and mailing address are now CA). Any advice is appreciated!

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Investing newbie here trying to invest my hsa. Debating if I should do 100% on something like viix for simplicity or if I should diversify? If diversifying, what’s a recommended approach? Perhaps 2-4 funds? Many thanks for the help.

What happens to the funds you're invested in if you roll an old employer's 401k into your current employer's 401k? Is your current 401k custodian able to continue keeping those funds invested even if they don't offer the funds themselves?

Which assets to invest pension into?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

If you were to buy only one, ARKW or ARKK and why?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare