Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

likehelpful
Posting as :
works at
You are currently posting as works at

1. Yes
2. 20%

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Well with a home at that cost maybe you’ll have good places to store your stolen top secret documents.

Just don’t put the safe behind the bottle of ketchup.

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Rent for a year and watch the housing market correct itself. Don’t buy at the top -

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My amateur opinion thinks houses are going to go down next year. However I'm just a random consultant of fishbowl.

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My husband, who had a successful career but is not yet 40, wants to retire and look after our kids while actively investing our money. I enjoy consulting and will gladly keep working. We also have a good amount of savings, mostly fueled by our frugality during his peak earning years. I feel like I need to support my husband’s dreams while negotiating clear terms. Has anybody been down a similar path and have advice?

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Any suggestions on returning to my nursing career after a 2 year maternity leave? Thanks in advance!

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Got married, bought a house, doing a major remodeling, planning to have a kid… safe to say that I am no longer on track with my FIRE journey 🥲

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It's more like 25% of your highest paying year but there are many variables. But there are more wealth accumulation vehicles besides the pension. Plus health care.

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Can I change my insurance from HDHP to a premier plan once my baby is here?

My dog lives with me in my apt with a 30 inch crate, he’ll be with my mother for a month. Her house is much bigger than my apt, is it bad to order a larger crate for there? Will he come back and be squished?

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I love that my 401k gets $200 in dividends every quarter

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Folks with kids, how did you teach your kids your mother tongue that is not english. My SO and i are from north and south india, so we only talk in english. Please share your experiences

There is a baby in my home today. (Friends are visiting.) Help.

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Does anyone here own TreasuryDirect I-bonds? The rate is quite good for a 10k yearly limit. Need to understand if h1b holders are allowed to own it

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Quavo came through on Too Blessed with Rich the Kid

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Has anyone gotten any kind of comp package involving crypto? I know some companies now do some forms of that or allow employees to take certain amounts in it.

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Hi All,

Please let me know in case anyone come across any decent job opening for Company Secretary with YOE 7+ years having vast experience in Secretarial audit, secretarial and sebi compliances, voluntary liquidation under IBC, opinions under companies act including buy back, preferential issue etc

I know a candidate, very close friend looking for change. She has just started looking after maternity. Previous employer didn't give her maternity so had to leave that job.

Thanks.

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I posted here some months back about my ectopic pregnancies but today, I'm posting to tell you all to hang in there and God will do it for you. (Please don't insult me of you don't believe in God because I strongly do).
In a nut shell, we had baby #1 without trying. Started trying for #2 and over 2 years, I had 4 miscarriages and 2 ectopics. In July, my doc informed me that the only way forward was through IVF. I was tired and confused. I PRAYED! and continued trying. (The rest in the comments.)

likeuplifting

Off-topic Feeling a bit low and anxious today, I am 33 yrs old with history of miscarriage changed job to get some growth, stability and motivation
But there's constant pressure from everyone in the family, friends. it's not like I don't want to get pregnant but things have not been easy tried hard to come out of depression and move forward in my life hoping will be blessed with a baby too when time is right But constant questions bother me sometimes and dunno how to deal with everything :(

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Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

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My normally super regular period is now five days late (not pregnant)... Is this perimenopause? 😭 I’m only 44 and so not ready for this.

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Well at least we don’t work for Liberty Uni?

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Does anyone have (good) experience with adoption agencies they can share? Know it can be arduous & complicated so trying to do my homework. (Single male wannabe dad)

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What is Accenture’s stance on wfh whilst being abroad for a couple months in a year? Has anyone done it?

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What repayment terms are you selecting? For context - taking out $130k and deciding between 7 year vs 10 year repayment terms. Have about $25k in savings and $14k in stocks

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Does anybody find Sneako hot? Forget if you are for or against his views, just by his appearance do you think he is hot? I feel like he hypes himself too much and tries too hard to be like the Tates. He is a follower not a leader. He doesn’t seem genuine or believe in any word he is saying.

Best Marriott property in or within 15m of downtown Houston?

Hey fishes, I am looking for advice. So I am thinking about quitting my current job just because I don’t feel motivated at all. I am just doing the same thing over and over again literally verbatim, I am a facilitator and I honestly see no grown or job advancement when I tried my company didnt even reach back out to me. I want to become a data analyst or BA and would like to focus on studying for that. Thanks!

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What are some quality work backpacks in the 100-200 dollar range?

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I just want to share my joy that season 5 of Workin’ Moms is here on Netflix!

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I'm doing everything in my power to not quit without another job lined up, and every interview falls through. I'm overwhelmed by my clients, I've had enough corporate koolaid for a lifetime, I could not care less about what I do, and I've started exhibiting destructive behaviors at work but keep getting told I'm doing great.

If I'm going to be stuck here, clearly my attitude is the main problem. How have you learned to find joy in your job? What makes you feel like you matter here? Why stay?

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What has been your worst experience working for a news agency?

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Hey recruiters why don't you look at portfolio's before blowing smoke up my ass? Truly I want to know.

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What’s the best course for CFA level 2? Kaplan vs Wiley or Fitch learning? Thanks

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Hi Fishes, I am looking for a new role / job change into Broker Vote or Reference data.
Having experience in (Client Strategy)Broker Vote, Deep Dive Analysis, Account Review Meetings, Consumption Reporting, Reference data, Corporate Access, Corporate Actions.

Can I get likes and comments or any reference so that it can reach maximum people or groups.

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An in house recruiter messaged me and I haven’t heard back after I replied...is it okay if I give them a call?

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A female friend of mine recently received a settlement in a sexual harassment action against her employer during mediation. Upon receiving her (female) attorney’s final bill she was blown away to discover that her attorney charged her almost five times what the attorney estimated she would charge for the mediation. (The attorney was drinking alcohol during the Zoom mediation and settled for far less than she estimated she would get.) [continued below]

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I’m 25, been working in boutique financial planning/wealth management shops since college graduation (ba Econ & finance). I hold my CFP and CIMA- no graduate degrees. Is it realistic to be able to make a move to PE or IB space?

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Hey fishes ,

Can someone in
Accenture refer me to job JOB NO. 57763?

Thankyou

How much fis takes to share service letter. As it's already more than 20 days.

Additional Posts in Personal Investment Chatter

I'm a noob with bonds, can someone break down ibonds for me in idiot proof language?

Per what I'm reading the interest rate is 9.62% if I buy through Oct 2022. It's a 30 year investment, but I can withdraw after 5 years without 3 month penalty.

Questions:
(1) Is the interest rate fixed or variable over the term of the bond?
(2) Assuming 9.62% is annual return but definitely want to confirm 🤣
(3) Do most people actually keep it in 30 years? I'm looking at 5 years for now and re-assess

likefunny

What percentage of your income goes to taxes, social security, Medicare etc? I just did my taxes and 20% I never see! I live in a high SOL city

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Any online savings account recommendations?? Want to get a gist of what comps ppl are using. Please and thank you!!

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The general withdrawal rule for retirement is 4%. Do you think this is too low? I’ll probably still be working part-time, but will also collect social security after 62.

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Hey all! I would appreciate some feedback on my investing strategy: I want to buy QQQ3X when QQQ goes below 118$. I believe a major market reversal (a crisis) should take place in late 19 or (cont)

Start tomorrow but I don’t get a match for 401k until 2nd year. Living at home and wanted to pay off my loans. Is it ok if I just do loans, max out IRA, and have an emergency savings? Projected CONTD

Would you recommend an associate making 90k base in NYC prioritize maxing out their 401k and Roth IRA even if it means they won't save beyond that? Assume debt has been paid off and 3 month emergency fund in savings

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On personal Capital, how many of you add the value of your car to your net worth

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Anyone have experience with refinancing student loans with SoFi? Pros/cons? They are offering a fixed 2.5% rate matching the term left for my federal loans that currently have a 6.8% rate.

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If you were to attend a 1-2hr free financial seminar, what would you want to learn? I'm thinking of hosting a free financial literacy workshop that will actually make a budget and networth statement.

likeuplifting

Fully aware this is a newbie question. Looking for the best way to get started in purchasing stocks. I used to use E-Trade back in high school like 11 years ago, but stayed away to focus on paying

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Not sure if this has been discussed before — my new employer's policy doesn't allow me to participate in their 401k plan immediately, only after 90 days. Wanted to see if this is a common practice (first time for me), and if your employer compensates you in any way for the lost savings opportunity.

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If you kids are the beneficiaries on my will — can I put one of them as the primary executor as well ? I’m divorced btw

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How do you calculate what tax bracket you will be at when you retire? Keep reading choose the option based of what tax bracket you will be at retirement but I literally have no clue

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Anyone bullish on the marijuana market? CGC, aurora etc?

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Looking for a used car - better option between used Mazda CX-5 and Subaru Crosstrek? Budget around 15-16k

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I’m considering Schwab roboinvestors to manage my investments actress various index funds aligned with my risk profile. Aside from the large 6% cash requirement, what are other downsides?

New to equity investment. How is motley fool stock recommendation service ? How can I start with direct equity?

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What’s everyone’s net worth and associated auto insurance coverage? I’m at around $1.4M, but my coverage is $100/300K for bodily injury liability and uninsured motorist bodily injury. Wondering if that’s adequate or i need to enhance my coverage. I drive a Civic so don’t think i can really even cause that much damage if something does happen.

funny

Has anyone invested in real estate using Lofty AI or PocketProperties? It seems like a good way to dip my toes into real estate - the minimum amount is $10-50 and I would benefit from receiving rent payments proportional to ownership and appreciation in value.

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