From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Hi, just wondering how much maternity leave Janssen and Merk offer? GSK will be offering 18 weeks starting in 2023, wondering how other companies in the area compare. Also curious if there is a minimum amount of time you need to work before the benefits kick in?

I had no income in India and was in US the entire year. Do I need to file IT return with 0 income?

Is anyone still following/bullish on GIK? Wondering whether to keep holding or sell

Recommendations for a Roth IRA?

What's your target retirement savings? Target age? Combined or single?

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

Has anyone negotiated a 401k match to begin immediately? I have a great offer but a 1 year wait. I’m super focused on building retirement and really don’t want to wait for a match.

Advice and/or consolation anyone? My wife and I (both above average health 30year olds) were trying for 11 months before getting pregnant and then had a week 5 early miscarriage a few months back. If the stress and surprise of just how difficult it apparently is to get pregnant wasn’t enough, the miscarriage put us over. We got back to it and have been trying for the last 2 months again, still no luck. We’re freaking out… all we want is a family. Any similar stories? Advice? 😢

I canceled my Amex paid membership as we aren’t traveling for work yet. Have 100k points to redeem in 2 days. Don’t want to waste it on target or Walmart gift cards as they have terrible conversion rate. Any suggestions? May be transfer to Emirates points as I will travel to Dubai in a year?

If you live in San Francisco, how did you find your apartment?

I’m currently in NYC and I’m debating if a realtor is the best route. Thanks 😊

$2k into XLV or VHT?

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

How practical is living as a single parent in Europe (scotland/Norway)?

Hey Guys, Slightly an off topic question. I along with my wife and kid are planning to move to Bangalore and looking for rentals in Hebbal Kempapura. Would be great if anyone staying in this area could suggest some good apartments complexes.

This is a noob question. What do I do with this meme stock I purchased? I only invested a grand. Do I sell when it’s high and get out of it? Or hold on to it? I know nothing about trading.

Working as a Business analyst in BFSI for last 10 years. ( Married, have a kid)
What should be the next step
Current options I thought-
1. Planning for a switch ( but ye shayad chalta rahega)
2. Planning for a good certification- did SAFE product owner and all but kuch khas nai hai
3. Planning for a PHD ( part time ) not sure, not clear may be a good option as I can move to education line.
What else guys
Serious answers 🙏🙏
Any senior who can help

Anyone here adopt a puppy during the infertility struggle? Husband and I considering it to have something positive throughout this situation and thinking the extra companionship would be helpful. I work from home. Husband has had many family dogs and lots of experience with it, I’ve had a family cat before. But not sure if it’s actually a good idea - wondering if it would truly help make us feel better and keep our minds off of the struggles or if it would just add extra stress. Thoughts?

Any entrepreneurs here had angel investors actually invest in your company? If so, how did you find them and how did it go?

I’ve been single for so long my last ex had time to find someone else, get pregnant, have a baby and now they’re engaged. And I’m sitting here watching Footloose

Hello friends,
I wanted to share that I am in my first job as ui/ux expert and I am the only ux/ui person in the team. I am expected to take care of entire research and design of the product. It becomes very overwhelming as the product that I am working on is in a early phase and I am expected to think about ui as well as ux and also design entire app on my own.There is no user interview or user testing happening as my project manager thinks it can be done after product is launched. Please help!

I love when people use a QR code. When already in a digital channel like social. Where I’m on my phone.

Anyone else feel like avoiding all these spots before the super bowl is an extreme sport? Maybe it’s just me, but I want to see them at game time... reading ahead takes all the fun out of it for me.

Any recommendations for movers in River North / Gold Coast

Tagline for the Detroit Lions

Can someone help on how to get a burner?

Has anyone tried to get an extension on an offer and they push back?

How often do you wash your chinos? Same as slacks?

HI All,

In salary breakup of Bosch apart from total CTC, another payable amount is mentioned under 'NPS optional- Company Contribution'. What does this optional means? And whether this NPS amount is on the top of the offered CTC or will they adjusted it with some other component mentioned under fixed salary?

What advantages have you gained from being an introvert in consulting?

Ex-consultant now in marketing. Used to be an avid follower here and got great insights on companies when trying to exit consulting so thought I’d try here for advice. Outside of FAANG, what are good large CA-based tech companies that provide good pay, WLB, and culture? DD has great people and WLB, but pay is low and you’re not given the tools and resources to succeed + truly make an impact. Google and Apple are ideal but need backups. Like is Salesforce still good? A company along those lines.

Hi All

If you have any openings for Network Engineering please refer me. Skills : Routing, Switching, SDWAN, Multivendor, Python.

Thank you in advance.

We're discussing the company holiday plan and it looks like my manager is going to pressure me to work on Thanksgiving this year. Late-stage capitalist america, now without holidays!

Looking forward to upward feedback.

Anyone at Huron that would be willing to talk about your experience?

Any Tableau SEs able to share some insights?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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”.

Has anyone here used New Western to buy real estate deals?

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

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?

Is it worth it to buy a “starter home”? Or should I rent and continue saving for a house in an area that I would want to settle down in?

What percentage of homes get sold without getting listed on the mls (off market deals)? Is it usually worth it for the buyer or seller?

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?

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

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

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?

Those living in 1960s & 1970s homes, how do you overcome the fear of asbestos in home materials even though the home has been updated. Any tips overcome the worry? Not yet tested for asbestos

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Hello Everyone, If you are a Real Estate Broker , Realtor or a business Broker please kindly send me a Dm

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

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?

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?