Does anyone know what United Wholesale Mortgage’s policy is on getting a lower rate after your rate lock expires? We’re about to close on a house, our lock expired yesterday, and rates have gone down significantly. Thanks!

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Good recommendations for realtors in LP/OT area? Apartment rentals. Thank you!

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

Anyone into SNX? Celcius giving 13.99% interest 😳

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

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

What are the benefits of a trust in estate planning for a single person with assets around $2m?

Are there any tax benefits from working from home?

What credit cards do you hold and which one do you recommend?

I am working from EU since last year (internal transfer from India), also doing freelancing for an another startup since last 2 years and the payment is going to Indian account.
My employer assigned a tax consulting company in India to support me in filing tax, somehow the tax consulting firm found that bank account via AIS document (not sure how they get it in that doc), as they found some interest credited for that saving account. Will I be in trouble? will I have to pay penalty :(?

From stocks to crypto to NFT, which is the next big investment opportunity where we could be the early movers (investors) and make great returns? Love to hear them.

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

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.

Hi all. I just received an offer for $130k and will be eligible for about 29,000 shares of stock options. The vesting schedule is 1 year and then quarterly thereafter.

Can someone explain what this means? I “will be eligible”. So, I have to buy the shares? Should I be asking at what price?

Newbie here. Please help!

Anyone ever take a taxable withdraw out their 401k? What was your reason for doing so? Knowing what you know now, would you have still done it?

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

How to transfer PF fund from hcl to epfo if i was a non pension member???

I haven’t had much luck on fiverr with my gigs. Really eager to start a side gig and have a second source of income. Any suggestions or insight would be great!

Anyone else heard the news of KPMG staffing 1,500 employees to work 6 pm to 6 am reviewing documentation for cares act SBA bailout loans? My thoughts are 1- admirable cause 2- I would hate to (cont’d)

Will have a night in Houston for work. Never been to the city before. Any tips on best SPG/Marriott property down there?

Could any marriott employee share a friend and family form? I'll return the favor :)

Does anyone else struggle with taking detailed notes during meetings and have tips for improving? One of the partners I work for demands that the most junior associate take detailed notes and circulate them after every call, but I have a hard time comprehending the call if I am taking notes because I’m focused on typing quickly. And my notes can be spotty when I get behind typing or get distracted.

Hi all! I’m looking to learn how to conduct AB tests- I don’t get an opportunity in my current role, but I want to be a product manager so I’ll need to learn. Any tips on how to practice this skill?

Hello there. I have been interviewing with Okta and got through all 5 rounds of interviews. They say they want to offer me the job but there is a global freeze for all marketing roles at the company. They want to offer me a contractor role instead. Does anyone here know if that is the case? I haven't heard anything as they seem be on wellness week. Thanks for any guidance :)

Has anyone received band progression mail ?

Life insurance agents!! I’m in the process of getting licensed now, what are some tips you have for me just starting out ? How long did it take for you to start selling? I’ll be doing telesales only , let me know your way of selling and why it works best for you. Thank you !

Hello, everyone. My team is looking for a fundraising professional for principal gifts.

Hello Fam Law attys!

I am in my second year as a attorney, I was a FL paralegal before law school and would eventually like to end up there again. I am in a very small rural area, pretty much only solos, and no FL solos appear to be hiring/expanding at this time.

Do you think experience as a DA or PD would be valuable, with my eye toward a future in FL? Both for the skills gained, and/or as a resume piece?

TY!

I’m looking to hire a junior advisor in the Plano,Tx area, whom is licensed and preferably has a small book.
Compensation DOE....PM if interested.

How do maternity benefits work for NJ? 16 weeks paid leave?

How long did you date your SO before moving in with them?

Anyone that works for DOD have trouble getting their CAC? I work with the Navy and haven't heard anything about issuing a CAC. Did they stop issuing out CACs?

Out of curiosity, if I had a secret clearance but left my previous firm and my new firm does not do any form of public consulting therefore does not utilize my secret clearance, and I am planning to travel abroad; who do I notify? How do I notify them? Any form of help would be greatly appreciated!

For the first time in my life, I know what I’m supposed to do at my job, with relationships around me and it’s all because the enormous sense of anxiety I used to experience evaporated during quarantine. I didn’t know that I lived with so much anxiety that it crippled me. I didn’t know I needed this time to myself.

Could I please get some liked to obtain DM feature?

Looking for a referral to MBB firms - thanks! 🤝

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

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.

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

Can I get a commercial loan without 25% down?

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)

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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

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?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

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?

How can I invest in real estate ? Looking for an additional passive income source

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

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

Someone asked me if it’s a good time to sell vs buy. So I explained that we’re in a seller’s market, then realized i lost a potential buyer. To what extent should I be transparent in this market?

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

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Do you thank your tenants for paying the rent? A quick thank you text?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!