If I were to rent my home it is 4k and my PITI is 7.5k, when and how that gap will go down. Even reducing the mortgage nterest rate to@4%(hypothetically) would not do that, thanks for the housing price increase. An they ever match in HCOL

Do any of you ever think about paying off your student loan in one go ?
Given that student loans in the UK is structured differently than the US (the higher you earn, the more you pay - gets written off after 30 years); at what salary range would you even consider paying it all off?

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

What is the best way to invest in IPOs.

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

Sub dollar coins that are going to absolutely pop in the next year or two?

Any Sloanies here caring to share about life@Sloan paying full ticket price and if it’s worth it? Just submitted my enrollment deposit today🎉 Now to find some financial aid....

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

I grew up poor and was obsessed w financial security. After investing my blood, sweat and tears into my career for years, I’ve decided I don’t care about my career or earnings as long as I have enough to support my family. We are happier than ever making less and saving little. I wasn’t there when my mom was sick and died because I was working and my employer didn’t allow me to be in a mental headspace to be a good person for my family. I can never change that but I can be better going forward.

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

This has probably been asked many times in this bowl - what’s the best hotel rewards program? I have the Chase Sapphire Preferred card and I’m a Southwest RR member. I travel maybe 25-30% of the time

Can anyone recommend a good fixed income investment that I can add to my ROTH IRA account?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

I’m a female who lives with my SO. We’ve been dating for years and we fight a lot so it’s possible a breakup is near. Do you think it would be difficult to date while living with my ex as roommates in a 2br/2ba? We have a lease that’s not even halfway done. In other words, would a man be uninterested in a woman who’s living with her ex (but of course being appropriate after the breakup)?

Do we have anyone here working at data science team at Sia Partners as a senior consultant or supervising consultant role? Currently I am interviewing with them and wanted to get sense of pay range for senior/supervising consultant role.

Epam vs Neudesic which one to choose??? Role devops 4+ years of experience.

Does anyone know the salary band for clinical program consultant at United Health Group? What is the typical bonus associated with this role?

Hi Team, I was part of the layoff at Elastic last week. Our whole midmarket AE department was eliminated.
Does someone hire for a midmarket/commercial AE position in The Netherlands?
I am a native German speaker. Of course I already applied via LinkedIn, but I urgently need a new job in January.
Thanks everyone!

I just saw that a Hubler watch given to Hitler sold at auction for $1.1 million. It is an interesting watch (despicable as the recipient of said watch was), but it got me thinking about a larger question: does anyone here collect watches owned by the famous (or infamous)?

Submitted cbs with ea score. Jheez. Yet to take the gmat for the other schools 😭

Any current MBA students on here? Any wisdom/things you wish you knew before starting??

Is it worth it to recruit for a PE Associate role if your current plan is to get 2YOE, go get an MBA and pivot afterwards? Seems like most people can’t /won’t stick around to make it to the top and end up doing something else anyways.

If you could start your MBA degree over what would you do differently?

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

Hi Is wearing formal mandatory in Morgan Stanley?

I have an offer from mobile programming 11LPA fix + 50k joining bonus + 2 LPA variables for the role of react developer (experience 2.5 years)

I have an offer from Altimetrik as well for Full Stack Developer.

How much should I ask for from Altimetrik, and which company will be better

Looking for a change. Can someone help
Role- PD
Exp- 4 years
Expertise - Ops, Training, L&D, Superannuation, Shared Services.

Need it on an urgent basis

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

Any Property Management recs in Seattle area? :(

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

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.

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?