I recently closed on a home and felt like I had to claw for 10% of my downpayment - didn't do 20. Do you think it was a mistake to not do 20? It just seems impossible as a teacher.

How long after you quit before your company removes your access to your FSA card?

Thoughts on Overstock OSTK since the holiday is around the corner at the current share price ~67?

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

My work office is in philly but i wfh in delaware. Why im i paying for both state taxes as well as philly tax. Is that right or do i need to make some adjustments. Im at PwC currently.

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

Thinking about buying a single family home for ~600k in the next year or so OR pushing it out an additional year to get a multi family for ~1m. Thoughts?

Current HHI ~175k, $40k student loan debt ($200 monthly) no other debts (credit card/car etc)

Project HHI for option two ~210k.

Let’s assume I can save 75k for DP for option 1 and 150k for option 2.

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Hello,
Does anyone have advice for someone looking to purchase their first investment property? Maybe something you wish you knew before buying yours etc. I’m looking at single families

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Investment gurus - Appreciate pointers for resources (books, blogs, videos etc.) to read up on investment strategies. Just getting started and could use all the help. 🙏

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Anyone with a leased car move from NJ to other states? If yes, could you please help me understand the process to get sales tax refund from NJ? Thanks in advance!

Personal finance book recommendations?

Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

What are your best tools for self-motivation at work? There are days when it takes a huge amount of effort for me to get started and in the groove and I'm looking for ways to make work days easier.

Recommendations for comprehensive books on the finance industry? I want to learn more about investment banking and modern financial instruments. Got a lot of free time during this lockdown

Hi Folks,

Does as anybody help on how much time CitusTech takes to announce results after an interview of an experienced candidate??

What is fastest way to improve both structured communication and thinking? Any helpful books or drills?
It’s the one consistent feedback I get while casing , “to be more structured” I’m there for math ability , business logic , creativity.

Anyone going to hajj this year or has been? Tips to prep mentally, physically, spiritually?

Is it just me or the average billable work in infrastructure transactions has blown off steam in the last couple of weeks?

Hi fish, After completing the HR round in Cognizant, how long it will take to release the offer? If CTS will not able to provide my expected CTC then will they negotiate or reject my candidature?

Hello everyone!!! I am a fresher and got an offer as a trainee at aurobindo pharma. How much salary can I expect?

Can someone having work experience of 6 years in Procurements can move to a domain like CSR?

If yes, what would be required for that?

Hello, I looking for referral in business developpement management with relocation option. Thanks to anyone that can help!

How many rounds do Tech Mahindra conduct for 3+ Years of experience in Automation testing ?

If hypothetically I turn down a school because of denied company sponsorship, does that kill my chances of being admitted if I apply again in the future?

Just been offered a manager position (people & org consulting) at a big 4 in Qatar for 24k (QAR). Based on previous threads this seems low for the region. Especially as 9k goes towards accommodation (max unfurnished 1br) ....Have I been low balled? Or is this normal?

Fellow VC analysts/associates: what time do you guys go to bed? I’ve been working until 1-2am, Monday-Sunday in the past few weeks and I’m new to this job. Is this normal?

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.

Avg CD salary in Scandinavia? Any country would do

Hi Tax Fishes,

Anyone can refer me to Deloitte for A2 M&A Tax Role?

Many thanks in advance 👏🏻

Signing off for the day! Looking forward to continuing the conversation tomorrow. Keep the questions coming :)

Glad you are here to answer our questions. How exactly does landed work?

What happens if a teacher you work with looses their home to a disaster like a fire or earthquake?

My honest opinion is that biggest impediment to home ownership for teacher is our bullshit pay.

Thanks for doing this! How did ya'll at Landed come up with this idea? Super interesting.

What programs or resources do you have available for Texas teachers?

Ah thank you so much for doing this! My husband and I are planning to dive into this this summer, but frankly it seems impossible. The downpayment thing is pesky

I'm in my second year of TFA, and am thinking of sticking with this teaching thing (crazy, I know). I'm wondering if you have savings accounts I can use to work towards a down payment.

Related to a teacher from Indiana who had to make a big repair, how do you recommend we budget for maintenance? I feel like we can work towards downpayment, but maintenance puts it out of reach.

How does your help help with interest rates if we're only putting 10% down. In addition to a meager down payment, I also worry abt interest :( Definitely didn't get into this for the money

I'm a younger teacher in a high COL area. In terms of wealth building, how does home ownership stack up to other methods like investing in stocks?

What a great conversation so far! I’m headed to a couple meetings but will check back in soon - keep the questions coming!

I like in Oklahoma where I make 34K per year. Houses aren't that expensive but on top of my other expenses, saving for a house seems nearly impossible.

What's your favorite story helping someone buy a home? I'm going through the process now and it's so stressful. I need a little positivity :)

My score is 620 nothing outstanding but my student loans are killing me. I cant get approve for a house

Over the next couple days, my colleague Jess (who heads all our customer experience work) and I will be popping in and out to take questions on the topic of becoming a homeowner. Hope we’re helpful!