Buying a home and got quoted 6.375% no points or lender cost on 30y fixed conventional. I got this through own up. Are there better rates? Any suggestions on lenders to check out?

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

Any Deloitte people trade on robin hood?

Roth vs Traditional 401k, thoughts?

How much have you saved from refinancing your student loan?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Hey all, deciding between two properties in Miami for this weekend - W Miami or the JW Marriott (not marquis). The W is about $325/night all-in while the JW is 40k pts/night. Which one is better?

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

My hidden talent is finding houses I love that are way outside my price range.

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?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

My DashPass via my CSP is expiring at end of the month. Does anyone know if I can get another year of it by adding another eligible Chase card on the same account??

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

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.

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...

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

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.

Is it too late to get a tech job now if I graduate next semester in may? applied for many software engineer roles in nyc but haven’t heard back

What does the pay range look like for a UX/UI Design Intern?
Background: Master’s in CS student based in NYC/NJ.

Any companies that are hiring ppl with no experience?

Why are some people willing to do anything / obsessed about getting the green card in the U.S.?

When I asked them, they usually say they like American lifestyle. I love lifestyle in France, but I was in France, I was OK if I can't stay. Just trying to understand here so that I can have more empathy.

Is it more worth it to go into FDD at a regional firm now, or hope that my current big 4 will transfer me come spring 2021?

I'm kind of in the mindset of only doing FDD at big 4, otherwise I'll go straight to industry. Am I being too down on mid-market FDD experience and the related exit ops?

Also, I can't go the route of doing FDD at a different big 4. Already got rejected by all of them cause I'm not in audit (but have CPA).

So, I just joined a startup. No processes, no clear strategy, just one goal: selling. Getting leads. When ever I try to build a strategy, they (founders) swamp me with blablabla stories and not a single action plan. Is this the usual at startups? Also,no real company culture. At all. No HR. I am reaaaally struggling to get a sense of belonging here. What should I expect?? Tia

How many days prior TCS will send the joining letter for experienced?

Is american express odc in phase 3 pune?

Hello everyone,
Is there someone expert in Google Analytics 4 and App tracking? I would like to discuss about the possible KPIs and info you can get after the RGPD implementation.
Thank you,
Annalisa

Hi fishes,
I was wondering if I put down my resignation now. And in case after a few weeks I decide to stay back, can I withdraw my resignation?

What’s the word on the street about work life balance at Edelman? Are the hours insane?

So I used to work for a company where my job was good, was a director of business solutions for a fashion brand. Only issue was that the CFO micromanaged and ended up leaving. My background is digital transformation however I took an infrastructure position to rebuild a provincial healthcare system. I always lacked the hardware side and thought this was a good move but I feel like I’m losing my digital skills and don’t enjoy the work. I’m in it for 7 months now.

I’ve started a new job and though they have a community, it has been stagnant for a long time. Would you face the change directly with a “we’re back!” style post, or just increase the activity without acknowledging the absence?

When does cognizant roll out offer letters after submitting cdf1 form? Is Diwali delaying the roll out of the offer letter? I submitted cdf1 on 21st October.

Are people called to chennai once every month especially SBA's @Tiger analytics? Or is it a permanent wfh for now?

Did you do the NIPT? I just had my first prenatal appt and they scheduled me for the NIPT at 10 weeks. I’m a little nervous and anxious. Did anyone get it and got a false positive? Do you not recommend it? I wish I could ask family but we’re not telling anyone until the 12 weeks mark.

I got a 7.5 % hike despite a progression from Senior Grade 1 to Grade 2. Has it been the case with most of the fishes here or is it just me? SSL - EY Private( BTS)

Should I take this offer? Current salary: 150k at Deloitte as a manager. Offer: Well respected software PE firm in their operations group. Salary: 160k, bonus: 40k, carry: 150k

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

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

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!!

Has anyone here used New Western to buy real estate deals?

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

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”.

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

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.

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!

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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.

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!