Has anyone financed a home through the seller? We found our dream home and we calculated our monthly mortgage which is a little over our budget. With a lower interest rate I’m sure it would be right within our budget. Seller offered to finance home through her. What are the pros/cons to that?

Any realtor recs? Looking to buy in Seattle

Pretty new to stocks and investing I would like to invest $200-$300 a month in an ETF index fund which do you guys recommend? Also would like to invest some money monthly in a more risky stock which do you guys recommend?

Looking to buy a practice in the St. Louis, MO area if an advisor is ready to consider retirement, could transition over 1-3 years as desired.

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

If your close family (siblings, parents) are having financial difficulties, do you help them out?

I'm not talking having difficulty to buy a new car, but to pay for health insurance, rent, buy food, commute to work etc.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

Anyone have a good (and not exorbitantly expensive) accountant? My taxes have gotten more complicated than TurboTax and I can handle this year

Roth vs Traditional 401k, thoughts?

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

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.

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

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.

My highest role was a Director of Business Operations(85k), but I am looking to get into sales just want a higher income for my family. Any advice so I do not start at the bottom? Looking to start yesterday.

Any referrals would be greatly appreciated.

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

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?

Do we have any ZS Music club, where like minded people can meet/discuss/practice/jam music?

Can anybody please refer me to UBS?

YOE- 10.6

Tech stack- .NET, MVC, WCF, Entity Framework, WEB API, Microservices, SQL, JavaScript, Typescript, Bootstrap, Azure, Git Devops, Jira, API testing, Vulnerability management, Performance analysis

How does LEK rank against consulting firms in the UK?

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

Thinking of moving from Big4 cyber to Accenture cyber. Any major differences (other than no channel restrictions).

I work as a worker’s compensation adjuster and I cannot seem to get the hand of loss of time. Been in the same role for a year. Any piece of advise? I have made several improvements but it feels like I’m dragging it out. Last question is how do you manage claims that you have not handle for months and you’re too scared to do anything.

Anyone else feel like as you move up, you have to work even harder to justify your value to your company as you grow “out of the weeds”? Especially with the fear of layoffs looming over everyone’s heads.

I am moving classrooms, and my new classroom has a bathroom. I’m looking for literature that discusses bathroom etiquette and any other suggestions you might have for using a bathroom in a class.

I accept follow requests left & right without following back and without shame. What does this say about me besides that I and, let’s say Beyoncé, are generally very similar?

Has anyone found some flower shops around the city that sell flower bouquets as inexpensive and incredible as the ones found in pikes place?

Salam. 23M here - all my life I’ve had my back on our faith - never really prayed but had imaan (I guess). After bouts of depression from girl problems (🙄), issues within immediate family, being disappointed expectations I had for myself, etc. I’ve been working on bettering my situation over the years. Faith is the only area where I think I need more guidance. Having trouble relating to friends or family about this. Anyone else been thru something similar? How have you connected back to Islam?

Anyone tried biossance skin care line? I’m Pregnant and wanted something safe and clean during my pregnancy.

Is moving to management track better that being an IC as specialist role? I have currently 2 offers with slight difference in package whereby ic role is fetching more price since I am using my 1st offer to counter. But 1st offer being a management track, I am more inclined to it. Any suggestions.

Current xp is 10 years as BA and keenly looking for onshore role too. Not sure if going in management track, I can still travel onsite.

Hi All,

My current experience is 7Years with 15L CTC. I've recently cleared wipro technical rounds and waiting for HR round. I need some suggestions to negotiate the pay.

Any recommendations for nice coffee shops good for a first date?

Does anyone work for Biogen or BMS I have a free questions on a couple of positions I'm interested in.

I currently work in a Chief Internal Auditor role. I want to get a certification focused on IT audit both for knowledge, gaining credibility with my stakeholders in the IT audit space, and for when I look for a new role. I don’t have / won’t be able to get sufficient IT audit experience for the CISA designation at this stage. What designations, courses, or other options would you suggest?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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.

Do you thank your tenants for paying the rent? A quick thank you text?

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?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

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.

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Any Property Management recs in Seattle area? :(

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

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?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?