How do you find lenders? Should I pick a realtor first?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

I have $400k in student loans, half of which are private. I want to quit my job and this career entirely but there’s nothing I can possibly do to make these damn loans go away without strangling myself financially for the rest of my life or literally dying.

How do you manage and track all your investments? E.g., stocks, mutual funds, PPF, PF, gold etc.? Do you use an Excel sheet or some app?

Any investors have insights into what you look for investing in a social media platform? Is this something you do or do not have interest in/why?

Background is development of a social media platform looking for a $100k investment to get off the ground in a great market with tons of opportunity and proof of concept.

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

Just rolled over my 401K into an IRA. Any recs on ETFs to buy? I have 2 dividend ETFs so far, and want to buy things other than VTI and VTV since I have those in Roth IRA already.

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?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

For EESP - which is better share withholding or payroll withholding? Thoughts?

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

Monday Wordle :

Wordle 401 5/6

⬛🟨⬛⬛🟩
⬛🟨⬛🟨🟩
⬛🟩🟩⬛🟩
⬛🟩🟩🟩🟩
🟩🟩🟩🟩🟩

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

How's the Amazon prime visa card? Any added benefits over the other visa card? Like Chase ones for example

Off Topic Alert : Does pre-authorization of holdings in Zerodha have any downsides to it? Is it safe to preauthorize holdings so that I won't have to enter a TPIN for every sell trade.

Considering the current fall in the equity and crypto market, which would be your go-to stocks / coins?

I’m an authorized user on my parent’s Citi AA Executive card to get the AA lounge access. However, they consistently go over 30% of credit usage / sometimes over credit limit (cont.)

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

I am curious how Onesource Income tax stacks up against it's competition.

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

New to this app, but I feel is somewhat similar to Wall Street Oasis just more accessible than WSO am I wrong?

“Isn’t meth, like, so early 2000’s? Does anyone do that anymore?”

Me? I was just buying shirts online and then immediately added underwear because the model wearing them was hot because I am gay.

I have no idea what 99% of the other law bowls are talking and complaining about most of the time... anyone else in the same boat?

Hi Folks, Got an Offer from Qualcomm for Software Engineer role, wanted to know how are stock refreshers and bonus and appraisal at year end ?

Got rejected from BCG final round :(

Hi
I am a senior graphic designer
Work experience - 8years
How much salary should I be getting?

All, planning to head to France for the race in June. Any tips?

Strategies for getting a job at Wieden + Kennedy:

1. Create a competitive shop that will steal all of their clients in the future, forcing them to acquire you today.
2. Become friends with every person at the agency and have them all refer you on the same day.
3. Just win all of the awards.
4. Start showing up to their office with big ideas, and complain about HR not being able to find you in the system occasionally.

Running out of characters, see comments for more

6 years of experience in case management, escalation handling, customer support, pmo.
Presently with tcs.
Urgently looking for a job.
Please help. Please kindly help.

Guys i am switching jobs for first time so need your help
Company x offered me 9 LPA
Company y offered 11 LPA

I want to join company x more due to their tech stack, culture etc. It's also an established product based company while y is service based.
How do I initiate negotiations with x? I have plenty of time left in notice, but x also requested to join early (if previous company releases, with buyout+bonus) for which I have discussions next Wednesday.

I heard so much about minimum billable hours here by staff. I never saw that email. Is it inly for certain groups?

How long it'll take to get promoted from P3 to P4 for a leteral entry in LTI?
How much hike is expected for the same?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Is there a good online course on storytelling with data? Something that can help structure your thought process and design choices when creating visualizations and Dashboards in Tableau, Power BI etc.

My local Safeway is already stocking Valentine's Day chocolates. What would they do without holiday candy to sell? Is this their main purpose? I wonder what they do in off season (if that exists)

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.

When is a good time to start looking to buy a house if you are currently renting? Like 1-3 months before your lease is up? My fiancé and I don’t want to rush the home buying process, but wanted to see if anyone has experienced this and their thoughts if they would have done something differently.

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.

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

Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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.

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?

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

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?

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?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

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!

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

Hi! European here who moved to New York and trying to buy a condo apt. Any tips on the mortgage process, any good providers here with good rates and no crazy costs? Condo is $450K and putting $200K down if helpful

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

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

In my market, you have to waive financing and mortgage contingency to even be considered. Annoyed this is now common practice. 😞

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.