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% 🤞🏼

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

Planning to do dances before dinner (coordinator advised that for getting formalities done while we have everyone focused)- first dance, parent dance, and wedding party dance… would you do the wedding party dance or parent dance last? Knowing it will then shift to the meal not open dance floor

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?

Anyone else’s mom driving them crazy about mother of the bride dresses? Wedding is a little over a year out 😂 Any store recommendations for MOB dresses?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

How normal is it to be pulled off a trial team because you tell your boss you are moving after trial? I have a trial coming up first week of Oct. This case has been my baby, and I’m going to try it with my boss. I tell my boss up front that, for family reasons, I’ve gotten a new job and will be moving to another city two weeks after trial will likely end. He then gives my trial witnesses to another attorney, but is still going to make me do grunt work. Is he unreasonable or am I?

Anybody willing to help a broke kid out with some mock interview prep?

I should be getting my job offer this week. Can someone tell me if Chase offers benefits such as; student loan repayment, discounted daycare, childcare FSA, employer HSA contribution? If there’s a high-deductible plan what’s the max family out of pocket? What’s the employer 401k match?

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

Anyone into SNX? Celcius giving 13.99% interest 😳

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Is now a good time to buy property in London? For investment purposes.

Thanks

Anyone else feel like the markets always conspire against them? I.e. I have a “fun money” day trading account and bought two stocks about a year ago. Sold them because they weren’t doing anything and I found a more attractive investment and then they’re up literally 60% over the next three days after a year of 0 movement.

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

Anyone heard of the Select Card?

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

I’ve been working at a rather prestigious midsized firm in a big city for almost a year and a half now. I have been having a lot of trouble picking up work from senior partners. We are required to bill at least 150 hours per month to meet our requirement. My months are typically only 110-130 hours. It seems like the senior partners already have their “go to” associate for things. Does anyone have any suggestions on how i can increase my workload? I reach out for work pretty much weekly.

Interms of Job security in IT Streams, How secured Invesco is when compared to other IT Companies ? Will the current recession impact Invesco and can we expect any layoffs in Invesco India as well ?

Hi Fishes,
I am going to join ZS in 2 weeks. It was mentioned in the OL that I will be provided a accomodation for first 2 weeks .
It would be great if you guys please throw some idea on thi..
As, how is the quality of the accomodation?
Is food also available there??
Can I take my parents??

What are everyone's thoughts on executive MBA vs. traditional MBA? I'm currently pursuing a traditional MBA but sometimes I wonder what could've been 😅

Anyone that can invite me to some Slack groups for UI/UX designers and software developers for my learning?

What is work mode right now? WFH or Hybrid?? Any notice from Novartis about initiation of its onboarding process at office?

I am new to EY. How to check one's exact designation in the system (I am a senior, but want to know whether it's SCon1/2/3?

Looking at a job at BDO. What do you love or hate about working there?

Anyone willing to offer referral for lateral hire consulting opportunities at MBB. Is it possible to share the profile internally with someone at Partner level for consideration.
12+ yrs experience in strategy, transformation, change, process improvement, cost optimization & analytics. Helped F500 clients on Future of Work & workforce transformation cases in pandemic.

What’s the best route to becoming a Forensic Staff Accountant for the SEC? Is it easier process than the FBI?

Happy Wednesday! I am trying to plan with our AP and climate lead on what we can do in distance learning as a school wide event. I suggested we still host our multicultural club assemblies on zoom for the school. Anyone have experience with zoom assemblies to promote a positive climate in DL? Thanks!

How is life in FDD/ what are the most common exit opportunities?

Anyone on H1 quit and taken a year off? Planning to transfer to H4, and then start looking after a year. Current H1 is valid for another 2 years. Suggestion/experience welcomed!

How long after sending your packet with extra info to the recruiter did you find out results from the HC?

IBM GBS or IBM ISL is good?

When you’ve accumulated 14 days of PTO, would you measure that as 2 weeks salary (1 paycheck) if you exit the company? Or are salaried employees paid only for week days thus 14 days PTO is nearly 3 weeks of salary worth? What’s your take?

My company matches 3%. Is that low or on par?

Did anyone get a jumbo loan with less than 20% down?

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Is now a good time to buy a house?

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

I had 50% in VT and 50% in individual stocks in my brokerage account but I just accepted a job from a Big 4 so I need to sell some of my individual stocks. I need to invest that amount in something else and I want to tell my portfolio a little bit towards something that’s a bit more risky for higher potential returns. Any suggestions on ETFs to look into?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What do you think about healthcare system in US?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

Where is everyone investing their pre-59.5 retirement money? I'm just using basic mutual funds for now, but wondering if I'm missing something that exists specifically for this.

What’s a reasonable amount to coinvest in a PEs fund? ~$300k nw

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?