Does having an FHA loan vs a conventional loan majorly affect how sellers look at my offer? I’ve put in 4 offers and 3 have been really close (according to the sellers agent) and I’m wondering if this is affecting me more then I thought it would.

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Happy Independence Day🇳🇬🇳🇬🇳🇬🇳🇬🇳🇬🇳🇬

Anyone investing in index annuities? Can someone explain why this is beneficial?

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

We can help you in tax planning and getting tax refund upto 2.5 lacs.Let us know if seeking help/clearification.

too ambitious to seek a 1-bed EV / stuy town on 100K ? If you have a success story please share (or send BK recs)

How do you guys manage your personal finance or budget?

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.

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Moving to Philly next year, making ~90k before tax. Would like to hear some opinions on how much I should spend on rent. (For context I do not have student loans and would also like to lease a car)

Can one become financially stable after being discharged from the military?

Anyone willing to share thoughts on National tax- unclaimed property at EY?

Received an offer from EY but didn’t find enough information to get to know about it.

Anyone in Austin tomorrow for USGP?

Supply chain issues are still a problem. And Fisher and VWR (Avantor) are as greedy as ever. I’m considering looking into starting or investing into a U.S. manufacturing based lab supply company. Thoughts? Anyone work for these companies that can discuss logistics and potential challenges?

Hey there - I recently moved from the States. Former PwC, currently in HF space. Would love to meet for coffee or drinks if anyone’s interested

Let's say you work remotely full time in private/group practice. Mental health or Wellness.
What's your maximum client load for a week? 20? 30? ... 10?

Thoughts on whether DC or NYC is a better place to be as an attorney of color?

It's August! We made it halfway through the year! What are your goals for this month? Let’s stay motivated 💪🏾

Hello Fishes

How is the WLB, annual hike, work culture in MasterCard?
Role- Middleware

You finally start your own agency. Nice work! What do you do differently?

Long-distance relationship - what are the tips and practices that can help maintain the relationship for couples ~5 years into working?

How often do you have sex? How long have you been together? I’m lucky if I get it 1x a week and I’m getting frustrated.

Just discovered a public slack channel (that very much should have been private) that a few women at my work have been using to bitch about the co-workers they don’t like. There’s a lot of very mean posts about several of the CDs, account people, producers etc. There’s quite a few hateful posts about me and my partner too 🙈 should I tell them?

How much do you spend on rent in Los Angeles? What do you get for the price, i.e. location, amenities, sq ft?

100 members. Let's keep this bowl alive 😀

Hello accepting multiple offers and joining at the best one and refusing back does it create a problem if we refuse a company tactfully after letter acceptance?

This might be extremely niche, but does anyone here work on content acquisition/production for a streaming service, studio or platform? If so, what kinds of resources or trade groups do you find helpful? I’d really love to connect with other lawyers in this field and talk shop or host panels related to this area of law.

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

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

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 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.

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Any recommendations for buying agents in Massachusetts?

I'd like to buy, but the market is absolutely atrocious currently

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

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

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

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

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

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

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?