Hi All,
Really need some input. We have our new construction done by April 2023. Builder is giving us 28,000 credits which can be used towards closing cost and buy lock rate for 6 months from now and giving us the interest rate for 6.75% for 30 years from US bank. But I also spoke to credit union they give us 5 ARM for 5.5% but can lock rate in feb 2023. So should go with the US bank with 6.75% plus incentives or wait till feb 2023 and thn lock rates(us bank doesn’t give us ARM rates).

Thoughts on Marcus vs. Ally vs. Wealthfront? Looking for a place to park my emergency savings

What is your favorite part about being a realtor?

How do y’ll save money on taxes? Other than obvious routes like 401k.

Is anyone planning on trading water futures?

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Please post your crypto portfolio.

Mine - Btc(10%), Eth(75%), Ltc (leftovers)

Do H1-B holders get the stimulus check?

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

What is a reasonable rent increase %

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

Hey all! Curious your thoughts. All else equal, roughly how much does the average couple spend in retirement per year? Trying to figure out how much cash we’d need saved assuming we retire at 60. Thanks!!

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

The $1100 money for buying laptop was given during covid or still it will be given to new joiners ?

Looking for Sr Con positions in Cyber with an LA home office. If you’re hiring I’ll apply, get your sweet referral bonus!

Friends I joined here this month salary is credited today, but pf is not credited, Infact my details are not present in epfo portal.

This is my first salary in this company.

Please suggest any thing to worry here?

How do we get more people on this board?

Has anyone here ever been fired for being rude to a customer?

I am looking for a referral in marketing /operations role in flipkart at Bangalore location.

Anyone please out here who can hive referral

Polling: Salary, location, years in media

VP/Group Media Director

130, LA, 10

I hate working on commission. I am a naturally shy person and approaching guests in our store is intimidating enough, it's even worse when some of my more socially savvy coworkers notice me trying to strike up a conversation with someone and they come in and literally steal my client from me.

I joined 6 months ago as a L5 manager. I like my team but don't enjoy the work. I also feel I was down levelled at the time of joining. Should I wait 6 months and move internally? How easy is internal mobility especially if I were to target a L6 role? Would applying outside be wise ?

I got an offer to work at a Gensler office, but something has come up and need to move/work in a different city. Can I ask them to transfer me before I accept the offer? Will they do this if there is the same role currently open in the new city?

Anyone noticed that with aerobic / cardio exercises it gets more difficult to focus? It is like my mind a TV and someone else gets the remote and goes through every channel every 30 seconds or so

I’ve seen a very large range of income for general dentists. What is your income or expected/average income for dentists working 35hrs a week as contractor or associate in the city/ suburbs?

At what point do you feel it is necessary to trademark a product or new tagline?

If you could go back and tell your younger self something - what would that be?

Currently iam working as a Senior analyst in operations. However, is it good to go for Data analytics rather than continuing in the same Supply Chain field?

In first grade, do you think teaching word problems is easier if they draw then make a number sentence? Or identify the parts of the number sentence they hear and then draw if necessary?

Any recommendations on a good water softener system (4 people)?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

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

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

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

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

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.

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

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

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?