Hi all, I am early in my career in Tech. 23 years old but very concerned with CA rising housing cost. I’m based out in the Walnut Creek area but understand that houses go 2Million+ in the Bay. Thoughts on getting whole life insurance and taking a loan out against around age 35? Thinking I can leverage an aggressive savings approach this way and use the FHA loan. Any ideas? Pros/Cons to this?

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Seems like saving as much as you can each month religiously and then putting it in a higher yield CD or a value fund makes more sense. Save for the down payment with no loan payment at the back end (as you would have with when you get whole life). Once you get settled into your mortgage, re-di to low rate but keep paying original mortgage payment so you can pay off the house early.

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Home appraisal came in 30k too low. Seller is an investment group. House was on the market 40 days before offer. What's the chance they sell at appraised value?

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Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

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TYSM!!

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Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

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How long do you guys think it will take for rental prices to rebound?

Looking for a new apt, and noticed 24 month leases cost more net effective (obviously because prices should increase next year).

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Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

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Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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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.

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I’ve been working for my State Farm agency as a team member for 2 years. I am licensed in property and casualty as well as life and health, but only make $13 an hour. I technically can make bonuses but I’m not supposed to dig into a sale and I have to send it to a sales rep (I am service and retention mostly). My boss also has me running a retired agents office until a new one is chosen (its an hour away with no pay increase or mileage pay). Also, no benefits! Should I start job searching?

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I have offers from

TCS x lpa
Citiustech x +1 lpa
Legato X + 4 LPA
Wipro X+1 lpa + 2 JB

Tcs is ba in energy domain
Rest all healthcare

Which is the best company overall ?

YOE 10 : As a Product owner / BA / Functional consultant
Domains worked : Workforce Management, Healthcare

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It’s worth a shot 😊
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Considering inflation and cost of living, is it likely that San Diego employers will have to match salaries that of Bay Area

Welcome everyone! Where is everyone from and what field are you in? Feel free to share hobbies as well.

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