Hey! Need your advice: 1) got an option of 15-year fix mortgage for 300k at 6% with 600$ points. 2) got option of getting same amount mortgage 30yr fix @8.125% months with $5.3k lender credits + down payment assistance of $5.2k AND do refinance 1 month later for 15yr fixed @6.25% (assuming rates stay flat) without penalties leaving me with ~8k worth of cash at hands. Option 1 lender is pushing me really hard to close the deal at 6% but option 2 maximizes my cash in the pocket. What shall I do?

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

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?

Financial literate people of the bowl, in your opinion, what should be your net worth to buy a Rs 10 lakh car?

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?

The only thing I truly care about is money and I’ve tried hard to not be this way but I can’t help it. My parents came from nothing and I refuse to ever “feel poor” again

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Columbia MBA Students - what are your living expenses (not including rent and utilities) like every month? Just trying to get a sense

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

Getting my first credit card but my credit score is around 650... what would be best for me? I keep getting rejected. Does it matter who I get a card with?

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?

Prospecting Ae’s (or bdrs) are you getting a lower open rate/filtered by spam filters due to attaching a link, screenshot or pdf? If yes, I’m curious if it’s the same drop off rate for all or if it’s different

Whats a bougie/hip gift from a friend you would appreciate?

How many dress shirts and trousers do you recommend I should have? New to this and need advice. Sorry if repost.

Starting to feel like partnership models aren’t great for staff. It seems like my friends at public companies get treated much better.

Thoughts on Equinox Seaport? With the Corp discount I’m looking at about $175 a month.

Does LTI accepts 3 month NP?.

Hi!

I recently did a job interview and I made it clear to the HR my expectation salary is 60k a year, non negotiable.
Today I got the job offer and they are offering me 54k. My current company is making me 50k with tons of benefits which is why I am asking for 60k.

Should I accept the offer or renegotiate?

4YOE @Amazon & trying to lateral to a similar role @FAANG. Have my undergrad GPA (3.8/4) on resume from top 15 school but colleague says to take it off (looks silly). If it’s a good school & high GPA, why ever take it off your resume? Even if 10 YOE...can’t hurt?

Hello folks!
Wondering what is the ideal package for a 5+ years exp with AI and Deep learning skillset?

I decided to move on from my job of 7 years, I had no days off, It was getting overwhelmed, I just wanted to spend quality family time, so I applied at another place and I was hired on the spot, so my old employer offered me what I wanted and I decided to stay, so my question is ….. how in a professional way do I tell my new employer that I not coming to work with them. I’m supposed to start by the end of this month.

Hi, can anyone refer me to Walmart. Thanks in advance!

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Was notified that I’m an alternate for Bain AC first rounds. Anyone from Bain have an idea of how often alternates end up getting the first round? Anything I can do at this point?

I'm looking to get into production accounting, specifically interested in becoming a production accountant for a media production company. Any tips or advice? Any companies I should look into/reach out to in Toronto?

Has anyone worked for advent health?

3rd year Financial economics specialist at the University of Toronto. Trying to break into either capital markets of financial consulting. Would appreciate any help to get an internship for the summer of 2023

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Does buyer have to share appraisal with seller? Can seller request it?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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?

How can I invest in real estate ? Looking for an additional passive income source

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

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?

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

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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?

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

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?