Buying our first home. Closing is tomorrow. We still don’t have final figures with regards to cash to close. Our broker keeps sending us loan estimates every other day with different cash to close numbers. We received one today which was a couple grand more than what was listed yesterday in our loan estimate. It’s getting so confusing. Is this normal when buying a house??

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

What is the *prime* amount of money to bring you happiness?

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

My portfolio has been stagnant for a week now. Last few times this has happened, market has tanked. Anyone else feeling we’re at an event horizon soon?

Recommendations on how to simultaneously pay off student loans and invest?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

What is your credit limit on CCR? We're going through some life changes (wedding, rings, travel, etc.) and was recently surprised to find my credit limit is only $30K even after being a solid customer. What are the ways I can get an increase in the credit limit?

What percentage of your gross salary is saved including 401K or equivalent?

Could someone give tips on where to find Luxembourg individual's income tax legislation? Thanks!

Looking for some software or tools recommendations for
1. Plan for retirement- I am looking to do the following calculations : calculate total corpus required at retirement based on inflation lifestyle etc. , calculate total amount my investments will grow at retirement age ( 401 k , savings etc, ). These two figures should give me an idea where the additional amount i need to invest.

Any recommendations?

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Will be starting a new Job with Visa (credit card) in western Europe soon as Business Dev Director - I am worried about job security as I have family, mortgage .. how stable is the payments industry

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

Recommendation for a CPA/ financial advisor in NY? Have oversea assets and investment property in the States. Can't seem to find anyone legit on Yelp:(

Best sign up bonus right now that is not the CSP and the Amex platinum?

Where do first year associates / business analysts typically live in NYC? What’s a realistic rent budget?

How much have you saved from refinancing your student loan?

Is this the official Amex Fishbowl?

Hi I have an interview with JP Morgan for Devops SRE role. Please help with what kind of questions can be asked ? Thanks

And another one bites the dust

Have been offered 07B grade in ibm..
Wat will be the roles and responsibilities.?
Stack : Oracle ERP
YOE : 7.5

How to ask for onsite opportunity from company?
Not in HCL, but all service based company

Hello fishes, can someone tell me if HSBC EDP provides, work phone to it's employees? Like a seperate mobile device for work? Or can it be requested?

Salam. My cousin’s newborn son is going into surgery today. Please make dua for his recovery and remember him in your prayers everyone 🤲

Best sign up bonus right now that is not the CSP and the Amex platinum?

Best Hyatt in Hawaii (ideally Kona or Maui)?

Hi what is the maximum salary that can be provided in Verizon for the role 'Senior Engineer Consultant-QA Test Automation' ?

Where do first year associates / business analysts typically live in NYC? What’s a realistic rent budget?

This might be a long shot ... but I have a Statistics assignment due for tonight in a few hours

Does anyone know how to do Linear Discriminant Analysis with more than one predictor - by hand? I know how to compute in R but my professor wants it done by hand .... fml

Meeting with a recruiter at one of the FAANG companies. I won’t be able to move jobs because of H1b /GC at least for the next year. Any idea if I should start off with that or should I just try to understand the work that they have been doing?

I truly believe it's time that face masks becomes as commonplace here as they are in Hong Kong. NYC is trying but I'm still seeing many people not using them. Especially friends in Texas tell me no one is.

Sell Shopify or hold? Already 14% down today after the vaccine news. Will it recover?

Curious how compensation works for counsel at top-tier law firms. How much do counsel make? Is it relatively set/lockstep salary, or does it vary significantly based on hours? Do counsel have hours requirements?

Anyone know of landlord tenant attorneys in NY? TIA!

one thing I do not do is pick up the phone before 9:30…after 7 years, you would think they’d learn.

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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.

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

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.

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?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI