First time homebuyer and probably clueless. I have been looking at listings on zillow, what steps should I take next? Hire an agent? Would like purchase and move in the next 2 months

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Has anyone noticed how attractive realtors are or is it just me? Recent studies show the more attractive the real estate agents, the higher the listing price of the home.

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Robinhood just kicked me off their platform and I have no idea why. Now I need to quickly liquidate. Any recommendations to invest in mostly VOO without any fees and a nice UI for my phone? I need it to also connect to Mint.

If you could go back in time what would you tell yourself before taking out student loans?

My DashPass via my CSP is expiring at end of the month. Does anyone know if I can get another year of it by adding another eligible Chase card on the same account??

Hey all, deciding between two properties in Miami for this weekend - W Miami or the JW Marriott (not marquis). The W is about $325/night all-in while the JW is 40k pts/night. Which one is better?

Favourite money saving hacks? Signed, Broke in New York.

What things *can you negotiate when purchasing a new car? What things *should you negotiate always? Any differences in negotiation approach when buying used? Seems like I can afford considerably less, given the current interest rates 😭 Currently financing a car at 1.9% and it's killing me to buy, but I've had nothing but issues with the used car I bought.

I'd love to get involved with and help develop/support more of the ecosystem and community on Austin's far west site.

Like it or not, the city is booming and that means sprawling. Most of the mature tech, older companies, and frankly, capital, is north and west, yet we don't have much of a home and hub for this part of town.

The old 3M campus, Nate Paul's investments there, comes to mind as a perfect spot... In time?

Who's over here with me and interested?

Hi Fishes,

What is average salary offered for senior product manager at S&P global market intelligence? Yoe-7 relevant-5

I am being offered 26lpa which includes 15% variable component plus employer contribution to PF. So, the fixed component is just 21. How much more can I negotiate for? Have existing offer of 23l (all fixed)

Am I behind the curve if I plan to apply this fall and haven’t finished/started my essays/applications?

Does it matter which interview date I select for schools? The last day offered for one of the schools is best for my schedule - does taking that slot hurt my chances?

Anyone have advice on how to approach a re-applicant essay asking what you’ve done since you last applied? My only update is a promotion…

Has anyone successfully landed a job in Europe as an American Citizen? I’m really looking into moving to London/Amsterdam or Berlin.

Please reach out if you need a referral at IBM

I am going to buy AntShares aka NEO bigly. It has a potential to go to 100$

Is this the official Amex Fishbowl?

Got leaked on by condensation on my flight. They switched me to the same seat on the other side. Got leaked on again and got switched again. Would you file a complaint?

Hi All,

Please give me ur answer!!

Does PWC AC banglore offers permanent wfh?

Will that be mentioned in offer letter?

I have HR discussion tomorrow.

I have an offer from EY GDS bangalore, I am looking for WFH. Which one should I prefer?? Please provide your inputs😊Pwc AC @EY

Anyone subletting this summer?

When does a person get promotion from manager to senior manager in cognizant?

Any warm recommendations for data buying companies?

I pity those who revel in the "accomplishment" of have 100+ YTD utilization. Y'all got suckered by the firm.

I don’t understand how people keep posting about the bench and being unassigned. I’m in advisory(not audit) and my entire LoS is trending 90%+ utilization

Is wipro digital having java , springboot ,microservice related projects ?Wipro

Hello Barclays folks,
Good evening!!
I will be joining on 14th nov. I heard that if the bank account details are not updated before the 15th salary will not get credited for that month and I need to wait for next month for full payment.please let me know where to update and what's the lastdate

Any Property Management recs in Seattle area? :(

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

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?

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)

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

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.

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!

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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.

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

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?