Focus on credit score or a larger down payment? Which is most likely to hurt me when I go to buy a home , low credit or a small down payment?

Significant other seems to think down payment is more important than school loan payoffs.

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

What is the present value of a government pension? How does one calculate it? Trying to get a sense of weather it's worth moving over to Federal.

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

I have gains from stocks.. as LTCG. Do I need to file ITR 1 or ITR 2?

Anyone know what “premium cash pay” means on a check? I randomly just got 717$ on my check unexpectedly for that allocation.

Soooo what do we think about the new ADP program?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

Porsche IPO worth buying now amid market and economy turbulence?

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

Hello :) I am moving locally within the Bay Area in couple of weeks and all the movers & packers I am getting quotes from, prefer to be paid in cash (there is a convenience fee with credit card payment). What are the advantages/disadvantages of either method of payment? Thanks :)

I have about 50k saved up and was wondering if I should invest in real estate. I’ve noticed that the housing market is dipping in my area - advice?

Looking for good books on investing. Open to anything- real estate, stock market, etc. please leave any suggestions on what to read and anything to avoid - thanks fishes!!

I’m currently a Risk Analyst and a full time MBA student. I don’t have any experience working on the investment side of the bank but I would really like to pivot into an investment analyst role. I’m from America, but currently working in London and would really like to stay here. Does anyone have any tips or advise that might help me land an investment analyst role in London?

Can anyone please share working experiences till now working with Deloitte India? Deloitte Deloitte India

Anyone want to grab a drink? 🏳️‍🌈

Can anyone tell me if Marcum drug tests experienced hires?

Any WhatsApp group for Pune Deloitte USI folks ?

I am preparing for the CIPP/US exam using their official textbook (3rd Ed). If anyone has a good outline, would you be willing to share? I tried to create one myself but it is taking way too long :/ Thanks so much in advance!

How is pega practice in LTI ?

How does anyone keep time well for prayer and meditation while fully giving yourself to family and work in this economy?

One can imagine work here as meant in the maximum of work vs life here.

I know people who are constantly crashing and that’s without the set time for prayer. And despite hearts or gold, obvious piety and a high work ethic.

Hi,
I have been working as A business technology analyst for almost 2 years now and wanted to start learning data science.

I am not sure how much time will it take but wanted to ask y'all where I can start and what would be the right way forward without much impact on my ongoing work.

Genuine answers only.
TIA. :D

Need some expert advice: (1) what are the exit opportunities for VC associates? (2) More precisely will a 2 years experience in this role be helpful to get into PE/IB? (3) If not, what are some recommendations to bridge the gap?

Hi Friends..

I'm looking for a job change. I have 5.5 years of experience as an SAP ABAP consultant. Extensively Worked on S4Hana Migration and Conversion projects for many clients. Looking for Hyderabad Location. Pls let me know if there is any opportunity or referral that you can provide. Interested to work in SAP S4HANA Development projects.

Thank you.

Does anyone have advice for generating leads/client acquisition? i’m starting my own law firm.

Is the DC DMV finally open? 👀

How many of you that have been in PA for at least 10 years feel like you are a well rounded individual? Is your personal identity only about your job, status, and wealth or do you have enough contd

Have been with company just a year and a half and having to change to 3rd manager already. Are all bigger companies like this?

Anyone at Hartsfield?

Hello guys, I just had a question,
Is it only me who straight out after joining as a fresher had been put on a hot pan of engagements here and there within one month of joining?

All this talk about firms doing stealth layoffs has me spooked. Any BigLaw firms in Dallas doing this? I’ve noticed some surprising associates leave my firm over the past couple of months and suspect at least some of them were ice-outs…

Just went to my first spin class. Wow. That shit is tougher than it looks

Is buying fancy condos with high HOA(>$1k) worth it?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

How much is 2k a month for a house payment? What size loan would I be able to get?

I'd like to buy, but the market is absolutely atrocious currently

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Any recommendations for buying agents in Massachusetts?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Thinking about using my VA loan in a few years. Any advice?

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!