Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Are investment properties good for retirement?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

If I max out my 401k before the end of the year, I am still eligible for employer matching?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Everyone has a different perspective on this but would love to hear yours. Someone has debt ranging say 4-5% interest rates. Do you attack debt more then investing to move towards a debt free life or do you go after investments since they return historically above that then paying down closer towards retirement. I know the latter looks better on paper but what about the psychological factors of being debt free and the guaranteed return on interest savings.

How is the GSAP tech allowance taxed? Bonus or income?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Thinking of starting and Only Fans account for extra side money. Don’t know what it would be yet though. Sounds wild but my salary barely covers the cost of living and I’ve been living with school debt. Anyone have one on the side? Serious answers only please!

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Are remittances / gift sent from US to India (from post tax money) considered for any tax breaks or deductibles in the US?

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?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Has anyone considered moving from NYC to Houston? Any advice of why not to do it apart from the Texas heat. The homes are so much bigger and taxes much lower.

Does anyone have any book recommendations for information on buying a house?

How do we get TSA Pre through AFS?

Hey Guys,

How is it like working for Goldman Sachs? Currently interviewing with them for SR cybersecurity architect.

Any salary expectations I should be aware of?

Thanks

I have received an email from tcs that your address verification will be done abc company. My question is will there be different companies hired for different checks or will the same company carry further background checks like employment and education?

How to get release from a project? Hating the work environment and pressure here.

I am an Oracle apps technical guy(9+ yrs exp)
Got 3 offers which one i should choose please suggest.
Current CTC in IBM - 11Lpa
New offers as below
Cognizant - 18.7LPA (18Fixed +0. 7 variable)
TCS + 19.5LPA (including fixed , variable and retention bonus)

Wipro - 20LPa ( including fixed and variable)

Hi all

I am getting mails to report to office.
My base location does not have a hot seat.

Should this not be the focus from HR side to get a seat allocated rather than pushing employees to report to a random office that have a seat.?

And On top of that we have to take care of our own commute even when we are in shifts.

Why is this unprofessional and unethical behaviour?
Why is an employee responsible for everything which the HR and PMO is supposed to do??

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

Do you think the “great resignation” was applicable to big law associates? Are these people ever coming back?

I have a job offer in Australia and the company is offering to apply for a TSS visa for me. But they can't give me any idea on timeline. I've heard anything from a month to 9 months. Has anyone here gone through this and knows how long it would take during Covid times?

I'have joined Accenture a month back but yet to get staffed in project. Anyone having any position for Tableau, SQL,DWH skills in their project then please let me know. I am trying reach here because I don't know of any other platform to reach out to Accenture folks. Appreciate your response.

Hello, I have accepted an offer at a competitor company and sent in my resignation letter. My start date is 5 weeks from now so I put in my end date 4 weeks from date letter was signed. The manager said I had to leave the job in 2 days and the company can only play 2 weeks of work. Is it normal how they do that?

Bird > Jump > Lime

What is the onboarding process in Accenture.?

I’m currently struggling with my friend group. I’m a transplant to my current city and ended up making friends with my coworkers (who were also transplants). Now I’m regretting this as I don’t feel like the friendship is deep and things seem competitive. I feel like I have no friends and my real friends (from HS and College) are in a different state and have their own lives. Any advice on dealing with having no real friends where you live?

I’m looking to take some certificate classes. Can anyone point me in the right direction for affordable online classes?

How can we redeem American Airlines miles on Qatar?

What are some good trips to do with Bonvoy points in the Northeast (thinking more spa/relaxing vs touring cities) e.g Berkshires, Vermont etc

Any good wedding ring sources aside from Blue Nile?

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

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Have about 5k to invest - should I do FXAIX or FSKAX?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Thoughts on personal loans to consolidate Debt?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Anyone have a recommended tax person in Chicago?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Best high yield savings products?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)