How much would *you* spend on a house? I live in Denver, have a girlfriend but don’t live together yet

- Making 180k salary

- 150k cash for a down payment

175k in 401k
65k in Roth IRA
130k in other investments

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far

Thoughts on marijuana investing? Best investments, so like equities or funds?

Planning on buying my 1st home. I'm looking at homes using a RedFin realtor. They recommended I get an Underwritten Preapproval. I don't trust the lenders they recommend. Any suggestions for lenders?

Would you buy a brand new car in cash?

Hi All, I am exploring a contract position and they are offering the below. As I am new to contracting, Please suggest which one is better Option 1: $70/hr on W2
Option 2: $80/hr on 1099
I live in the Bay Area, CA if it matters.

Thank you so much !

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

What happens to my 401(k) now that I’m leaving the firm?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

Ally bank dropping rates again. CD a good choice?

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

In case anyone needs help with their Tax returns, please feel free to DM me.

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.

How much are you contributing to your 401k?

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Does EY have mortgage benefit？

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

What's the best city in UK to buy a buy to let property, with best returns?

Anyone know of a good building for a 1bed/1bath. Need to have parking & a/c. Nice to haves is in-unit laundry, any include utilities, any amenities. Trying to keep it on the cheaper end with a max rent of 1,500, but given our line of work I can bump that up if the place is nice enough to justify the cost. Thanks in advance!

FL peoples: I signed a lease for a new place to start May 1 as my current landlord sold the unit I'm in. Turns out, the buyer wants to keep renting the unit and asked if I want to stay. Of course I want to stay. My new lease hasn't started so I'm pretty sure I can easily back out. For the new lease, I'm still pending full approval from a condo association as I have to do an in person interview. I have paid first months rent in advance. Is there anyway to get that money back?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

When it comes to digital P2P solutions, what's the best way to handle blanket purchase orders in such tools?

Anyone want to grab a coffee or lunch today? (M26, married)

Are we permitted work phones? New joiner today!

Hello Guys,

I had given first technical round of interview in Mastercard for senior software engineer(it went well).
I have 7+ years of experience in java technology stack.
I am currently holding offers from the companies like TCS,Deloitte, Xoriant and ibm.
Maximum offer i have is of 23 LPA.
Can anyone one suggest how much Mastercard will offer for senior software engineer position ?

What does everyone think of the new Cartier Santos?

Anyone know who illustrated the Seamless subway ads?

How does everyone feel about the online SHRM learning for SHRM-CP and SHRM-SCP for Certification?
Do you skip around? Do you follow the path? Where does one start?

Here is my go-to interview question, "What is the difference between data science and data analytics?"

What questions does everyone else include when interviewing or is the best question you've been asked in an interview?

What’s the biggest mistake you have made as a marketplace seller? How could you have avoided it? What was the lesson learned through this experience if any?

I’m looking at lessons with a pro. They offer packs of 30 min (6-pack) and 60 min (3-pack) sessions. Is there a benefit to one over the other? Is 30 too short or 60 too long?

I’ve never taken lessons before, just played my whole life. I’m a mid 80s golfer trying to get more consistent and break into the high 70s.

“You have a good looking face. But your body is absolute junk."

Need gift recommendations for 10yr old girls pls! It's my niece's birthday- budget is a few hundred dollars.

How is the job stability in Tesltra India How many employees work in India?
I was interviewed by people from Infosys, not sure how did they interview me for Telstra job. Any idea on these points ?

Hi everyone!
Does anyone know how much is the start-up salary range out of college for forensics/criminalist in California? And where to apply?

Anyone here who had worked in Deloitte. They contacted me today for a job

What's the best city in UK to buy a buy to let property, with best returns?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

One way to invest in rental properties is paying the downpayment and any renovation costs using saved up cash. I know folks also use HELOCs. So you'll end up with 2 loans. When do you pay off the HELOC? Personally I dont think taking out a HELOC is a great idea. What other strategy do you use to invest in rentals?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

The threat of nuclear bombs flying over cities should crash the real estate market

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

2.75% rate + $2000 lender credit for 30-yr conventional in Austin. Is this good??

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?