Does it really matter if you only put down 5% and not 20% on your home? I’m struggling to save up the full down payment

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.

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

What does 401k mean?

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

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...

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

What credit card to you recommend pairing well with chase sapphire preferred for maximizing redemption? Pretty new to points and def don’t know a lot! I’m considering one of the Marriott cards bc we love Marriott or an Amex one! Any ideas appreciated 🤗 TIA!!

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!

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

ENBD is the crappiest bank in the UAE. Thank you

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

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)

What are great student loan refinancing options in the UK for non Europeans with US student loans?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Any great personal finance/investment books to read? Or even YouTubers/Podcasters

Really looking into expanding my investment horizons — particularly about learning about how to allocate my investment portfolio. Also, always nice to learn about better ways to save and cutback.

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.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

I have an offer and want to negotiate

1. London base salary but I have to absorb all the expenses (train + stay)
I am thinking to negotiate to

2. home base salary and have my expenses paid for

I know that's depends on the amount I have to travel (and potentially stay) but at the moment this is unknown. Past 8 months was just twice a month + 2 nights stay.

The only thing I know is it won't be every week, the return trian ticket is about £80-100, depends I could plan ahead.

Anyone got salary today??

I am genuinely curious: What is it like interviewing as an experienced recruiter, for a recruiting position, with another recruiter?

Hi all, can anyone provide me info about office cab facility in JP Morgan Hyderabad. Is it free ?

A report opened to me that they are having money problems and wants a raise. We are remote and they moved to a high CoL city. We gave an increase to help with retention 6mths ago. In my response, I helped mentor with best practices on how to ask for a raise professionally since I need to make a case to my Head on finances. But their performance has been avg and not seemingly worthy of another large raise within a short period of time. But how do I respond when they talk about personal finances?

Hi everyone,
I’m hiring for x3 Sr / Jr Application Security Engineers in my team.
UK based, team is 100% remote, although the office in London is there if you prefer.
Pre IPO unicorn valued FinTech startup.
Get in touch for more info 🙂

Looking for remote/chennai/banglore refferal
Ui ux designer with 3yrs exp
Lwd - November 8
Ctc 10-14

I currently work as a 3rd year associate at BDO, soon to be senior associate in South America. As a foreigner what are my chances of gettin a job at a big4 in the US?

Anyone had luck finding a good therapist who actually understands ADHD? Getting advice like "try taking a walk every day" and "practice these breathing exercises" is driving me crazy. I need actual solutions and shit, not just platitudes and internet worksheets.

Hi! I’m a young professional with less than 2 years experience, started a new job 1.5 months ago. I’m having quite some difficulties on balancing out my response time to tasks. While I act incredibly fast if not immediately with some, I sometimes take 1-2 weeks with couple of hours worthy ones. Sometimes I ignore, procrastinate or simply other more urgent things come up to increase the delay. Also I work with 3 managers in my team which doesn’t help with expectations nor guidance. Any tips pls?

I just started meds yesterday and the change in my focus and attention to detail is mind blowing. My only concern is, just yesterday I had a tough feedback session with my manager around how I’m taking too long to complete my work, giving them anxiety around close deadlines. I’m new in the job (3 months in). Should I explain anything about my adhd to my manager or just wait for them to notice the change in me?

People that take medication, do you find that using marijuana in the evening helps with sleep?

Hello People,
I am actively looking for Job opportunity in O2C- Accounts Receivable profile.
I do have relevant experience of 3 years 9 months in collections, billing & cash application.

Would really appreciate referrals from anyone or if someone can just let me know if there any vacancies available.

What would be the salary of Investment banking operation professional?

Thinking this is the year i iA find someone, prayers for all of us single 🐟 wanting to take that next step!

Will JP Morgan give any joining bonus? I didn't get any joining bonus details in my offer letter .

How much CTC wissen offers for Angular developer with 4.10 YOE.
Current CTC : 15.4

Also is it good organization to join considering WLB and career growth?

Hi, I am serving notice period and almost 38 days left. My current CTC is 4.25 with 2.6 years experience as front end developer (React). How much CTC should I expect..? I managed to get 10.5 as of now.

What does 401k mean?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Thoughts on personal loans to consolidate Debt?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Paid off my account debt!

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

Have about 5k to invest - should I do FXAIX or FSKAX?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Anyone have a recommended tax person in Chicago?