Hi neighbors, I'm in the process of buying a house. My lender gave me an appraisal waiver, is that good or bad due to current economic conditions? After the home inspection and WDO inspection. I found out there is no insulation whatsoever in the attic (got seller credits for that) but there's evidence of old damage due to termites. The house was tented in 2019. Should I be concern?

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

I got married in 2021. Before my wedding I lived in State#1 and after the wedding I moved to State#2. My spouse lived in State#2 the entire year.
Can I file as Married Jointly in such a way that State#1 only calculates my income for the portion of the year I lived there?
Or do I need to file Married Seperately?

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

HYSA anyone recommends?

Best way to use Amex Concierge? First time with so not sure what best practices are (do I need to do research ahead of time or are they basically like a personalized travel agency)

Are you going to invest in Navi's Index fund ?

Beginning to invest. Which is better? Merrill edge or fidelity ? Have a BofA bank account and an employer Fidelity account for RSUs. Also have a TRoweprice 401k account from past employer.

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

Roth vs Traditional 401k, thoughts?

Airbnb is going to go public pretty soon. Are you going to pick up this stock?

Is the Schwab AMEX Platinum a Charge Card or a Credit Card? I can’t for the life of me find a definitive answer online.

I've applied to work at Facebook three times but I can't make it past the initial interview with HR each time. What am I doing wrong?

Any media buyers out there seeking order confirmation inventory at retail? I have a few new opportunities coming available in May/June.

Hi Folks,

I have my interview on Monday for Data Scientist position at Walmart Global Tech India
First round is ML engineering Aspect round
Can some tell what should I prepare?
Should I focus on coding or machine learning algorithms?

What programs do my fellow HR managers recommend as far as personality assessments for hiring ?

What is the relocation allowance at Natwest ? Thanks

I feel like gay men especially are constantly discriminated against in the workplace. I have been turned down for a promotion, yet again, in favor of a married heterosexual with kids. This has been the story of my career. Have superior experience - stellar reviews - people fighting to get on to my team because our team is great and I treat everyone well. This is so frustrating. Again and again, it’s a culture of parents helping other parents. No gays in upper level mgmt in our office.

I recently cleared all rounds of interview for Mindtree and waiting for the offer letter. However, since Mindtree has been recently acquired by LTI, is there any layoff expected to happen in Mindtree?
Kindly pls give me an idea about how the situation is now in both companies.

What US law firms tend to hire more LLMs?

What is the salary for a ‘H4’ band?

Anyone have insight on Verily? Great mission, but online reviews from employees are awful. Are things turning around for the better?

Can anyone help me with the average pay range of business consultant at Societe Generale?

Anyone know of a good exchange that will let you withdraw in Canada? Canadian withdrawals are blocked on Coinbase....

I think I'm breaking even in my portfolio since September of last year... Any thoughts on taking the loss on certain crypto in order to recognize the short term loss to offset my overall ST gain?

Full stack developer required for freelancing..if interested DM me.

Can any one tell me how to prepare perfectly for ZS job ? BTA, DAA position.

Going to an office to meet the team and see the office after being offered a position. After much thought I think it is best to stay at my current position for now. How do I go about declining an offer/ask for a day to think about it?

Why do you think ZS canceled the internship for the '23 batch? AFAIK they did not do this even during the pandemic. Are the full-time campus placement offers also in danger of being revoked?

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

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.

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!

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

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

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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.

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

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.

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. Also, any regrets?

What is the most difficult part of buying a home for the first time?

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

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

I'd like to buy, but the market is absolutely atrocious currently

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

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.