I live in a MHCOL area and have a TC of 300k. My wife brings home about 120k. We both have varying bonuses, and put a substantial amount towards savings, investment and retirement. With that in mind, does it make sense to buy an 800k house? It's the price range for what we want, but more than we were planning to spend on a mortgage.

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

i'm looking into getting an american express credit card.. this will be my first credit card, i do a lot of driving and traveling what would be the best one to get?

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

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)

Has anyone successfully “ported” their mortgage? Just learned about this and doing some research since rates are so high now. Current rate is 3% and new home will be more expensive, for context.

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

What are some books that have absolutely helped you either working in the investment management space or even just personal investing?

KEC International looks good to buy around 350 levels

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Does anyone have any good mortgage broker recommendations that will help find a way to not pay PMI?

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

Any thoughts on the ETF, OGIG (O’Shares Global Internet Giants)?

It is from Kevin O’Leary’s fund.

How are the projects related to .Net,.NetCore and .Net azure in IBM ? Can we easily get after joining IBM ?

Does zs hires backend developers (Nodejs/python) ?

How big does an agency have to be to justify a CCO title?

I will be starting an FDD position in August right out of college. Do you think 3 years in this industry will provide enough relevant experience to make the switch to CD. I am also planning to get my CFA if that is at all relevant.

I have Cognizant offer 25 LPA & EY 29 LPA
YOE 9
Does cognizant match the counter offer?

Also while negotiate counter offer it requires share complete offer latter? Instead of screen sort of CTC break up

Why this group is so silent?

Hello fishes,
Anyone has a clue when will Form-16 be available?
My LWD is near, so just wanted all these docs before I loose access.

healthcare promotion from EM to SM in your firm? trying to calibrate expectations....

I’m looking for some new things to read or listen to — doesn’t need to be ad-related. Books, podcasts, whaddya got?
I’m not really into fiction, but open to anything. Last books I enjoyed were Junior and Moonwalking with Einstein, last podcast I binged was Startup (Gimlet).

Hi,
I am looking to renew my contract with a telecom giant in Toronto, Canada . I am a back end java developer with experience in micro services. Overall experience of 6 years . What is the market per hour rate for the above skills ? Don’t want to undersell myself . Need your insights !
Thank you !

Notice there are so many people with debate experience in consulting. Kinda impressed. Any highly recommended books related to debate or communication in general?

Any CA in the community who can help me with tricks of saving tax?

Hi Everyone,
My Brother, having 11 years of experience in Chartered Accountancy is seeking suitable opportunities to showcase his talent.
He has hands on experience & expertise in following finance related platforms- O2C,P2P,R2R,Revenue assurance,Consolidation,RPA,Pricing,Auditing,FP&A & ensuring Financials intact as per 606/IFRS

If anyone knows any opportunities or any lead or if can refer to any organisation, please do let me know.

Is there concept of bench in product companies

Hi

Has anyone received fnf settlement for 16 dec last working day.And the salary even.

How many years does it typically take to become a controller at an investment management company? What’s the salary like from your experiences?

Anyone make the switch out to IT type work? Just not enjoying the BS in accounting and want something more chill.

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

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.

Has anyone here used New Western to buy real estate deals?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

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?

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

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?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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

For those that built higher end homes, what kind of appliance budget did you have?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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.