I just got approved for a 300k loan. I make $42/hr as a ft nurse. Credit is great. There's nothing in the market that's desirable in that range. I need to be approved for more. If you can beat this hit me up. Looking in MA and RI.

Why you should stay invested : asset inflation, then normal inflation, low rates forever, trillions in additional stimulus, dollar destruction (on purpose), coronavirus pushed tech ahead a year or two in adoption. STONKS ONLY GO UP!

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Can I receive rent on H1? How can that be accounted towards the end of the FY?

New to option trading, trying to create a protective put (cont)

There has to be a point where focusing on minute details generates diminishing marginal returns.

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

Which bank account is better for salary account?

HDFC
Axis

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

Huge btc short position in market right now, I expect a lot of liquidity issues to come to light soon. Bitcoin should end up below 30k and stay there as new resistance soon. You all doubt my previous posts but all these bumps to 37-39k are fake bounces from retail buying the dip. Defi is gonna unravel. Do you honestly believe the 10-40% defi interest rates were risk free. It’s all paid by stablecoin printing backed by the assumption that crypto prices would keep appreciating

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

How do you all make the decision of when to keep hodling or when to sell (or other strategies)? I’m definitely a believer of the bubble, but also think more money can be made...

Generally how long are on sites? Are they all on one day’s block? The entire 4 hours?

New in San Diego and want to explore the city? Me too 😂 comment bellow. I’ll send a message 🙌

Is anyone a member at the nyc soho house? Is it worth it?

How can I copy a formula from one sheet to another?i tried the simple Ctrl+C, Ctrl-V, but the formula refers to the old sheet.

IBM
I have had salary discussion with IBM on 9th Feb, awaiting offer letter. Erverytime I call HR, she says you'll get offer letter within 2 days. No luck yet. Does anyone have idea within how many days IBM releases offer letter.

Hi, any openings for power platform Developer with 2.4yoe? 40 days remaining for LWD. Nagarro KPMG India Accenture ZS Associates Accenture India Genpact CGI

Senior Agency Prod Salary in Toronto??

Hi Fishes,
What is your take on WILP in MBA (offered by Institutes like BITS Pilani)?

I seriously need to take a decision on whether to continue working and enroll in MBA or go for a full fledged MBA course.

Please Help!

It's really strange to me how radiation can both cause cancer (melanoma) and also be used to treat various cancers

What is your title and how much vacation do you get?

Any fish from LEK London willing to refer? Currently interviewing with other top consulting firms in London and keen to pursue LEK
YOE: 6
Appreciate the help!

Hi All,

I got offer letter from mastercard with joining date as 14 nov and my LWD is 23 nov.. So i informed HR and they agreed that revised joining date will be provided as per LWD screenshot from current organization.

Now I have done follow up multiple time and they are saying they will do it and keep trust on them but not providing ETA.

So any one gone through these scenario and does mastercard extended joining date??

What are your LTI expectations this year?

Any recommendations for front door security camera’s (eg ring)? Want one for my parents who live in a not-dense suburb

Just lost my job. Has the job market started to cool down? What should I expect for leadership roles in I.T.

Can we get a desktop from walmart for wfh

Anyone travelling from pune to mumbai today?

Lots of right wing hysteria about liberals trying to engineer equality of outcome to correct sexual/racial inequities (in higher ed, for example). I think we all want socioeconomic, gender and racial barriers to opportunities to be addressed, but no significant number of people really believe in equality of outcome right? This is just a straw man argument.

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

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

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?

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

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

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

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 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?

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!

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

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.

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 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?

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.

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

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.

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

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