First time buyer closing on a house soon. Anything you wish you knew or did heading into closing?

Should I do the IPG employee stock plan? Anyone else do this? Don’t even know if it’s a good stock or not

I am financially secure (husband now has a high earning job) and looking at what options for "moon shots" at chances of real wealth generation with my years in Big 4 (10+). Month to month cash flow isn't a concern anymore so i can focus on opportunities for bigger pay days. Ideas from the hive mind?

Does anyone think there is long-term viability in Cryptos?

Aside from the normal baby registry stuff, what are the best financial gifts people can give? For example: savings bond. Can you open a brokerage account to add to? What are some cool smart things you’ve seen or done?

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Does anyone use Ameriprise for their Roth IRA? Anyone know of any funds you can buy in an account with them that don’t have trading fees?

Hi. Does anyone remember the provider of our 401k and wealthbuilder? Trying to rollover accounts but benefits express is closed!

What’s a good credit card to get with great intro offer and points valuation? Already have Chase Sapphire. Have an upcoming large expense < 4k. no points guy page link pleass

Seeing it firsthand. Book net income: $5,000. PPP Loan forgiveness: $1,500,000. Owners distributions: $1,500,000.

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

What are 72 and sunny and droga benefits? Looking for details on 401k like vesting periods, matching etc.

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

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:(

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

I am having 2.2 years of experience in Bigdata Testing. Please let me know any vacancies

People on bench , how are you spending your day/time? Please share some stuff so that it can help/motivate others like me.

If you could right now, would you buy a house in full cash or invest in the market?

How can someone find a job localizing marketing content (taking poorly translated material and fixing it up for US consumers)? I've heard that it's a real job but can't find much information about it

Remember that Friends episode, when nobody knew what Chandler job actually was?

It took me a few years, but I finally got it… Chandler was a consultant!

Unpopular opinion: I hate it when posts start with the phrase “unpopular opinion.” Just tell us your opinion and 🐠 will determine if it’s popular or not.

For those who work in Agencies, how do you accurately identify the work capacity of your Account Management team? I’m currently comparing against account billable/number of accounts, however, there are still discrepancies. I layer on time tracking, but smaller billable accounts will sometimes be just as demanding as larger billable accounts which create profitability issues.

Hello Guys

Is it okay to share offer letters that we have with other company recruiters? Aren't offer letters strict and confidential. Can we refuse to show the same or what can we do in these situations.

Hi, I got offer from Sap labs blore. My joining is in August mid. The team im going to join is CPI( cloud platform integration) . Do anyone know about the team and growth in terms of tech stacks and all. Also heard currently there is hiring freeze, will it affect my onboarding?

I was just asked to relocate to a different city. The move will come with a raise and promotion, but I'm conflicted. I enjoy where I live right now and I like being close to my family. Would love some advice.

Is the CVA exam worth pursuing?

After decades of system iterations can someone please answer me the question of why I have to build the same general customer master data report because SAP refuses to have a standard transaction for it?!? Just me venting, carry on :)

Want to work abroad in Dubai or Qatar. I have 5 YOE in Capital Markets Data Analysis in MNC. Any idea how do i proceed. LinkedIn not turning out so helpful for me.

Hey guys,

I really need your help.

I recently got a good opportunity in one of the Mncs to work but i was worried as i had absconded from one of the companies just after 2 months of working there due to mental torture.

I have a shown the same as gap for personal reasons in my resume.

Will i have any problem after joining this new MNC during background verification as per the standards?..

Really need your help if anyone has faced this situation or know anything on the same.

Thank you

Anyone got premium bagpack?

Anyone can let me know after an offer letter any other letter do we get from TCS ?

What happens to remaining paid leaves and sick leaves after year end, that is 31st Dec. Do they lapse or get added to next year's leaves or is it compensated?

What’s the average salary for a Federal Accenture Analyst

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

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

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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?

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!

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

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.

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

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.

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?