I’m in the market to buy a house in the Puget Sound. I was pre approved for 525k with 5% down and would be getting a first time home buyer grant of around 8k if I put down 5% or less. I could also comfortably afford to put down 20% and qualify for a home up to 575k. Would it make sense to put down 20% instead of 5% just to be able to have a larger pool of livable homes to choose from or would you recommend still putting down 5%, keeping the grant, and qualifying for a 525k home or less? Thanks!

Do no preset limit credit cards hurt your credit score?

🔮 Looking for some buys with my new found gains in ETH 🔮

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

In retrospect, what a wasted opportunity for whoever was posting as Q to not do some pump and dump stock move in late October.

Trying to figure out my net worth hope you guys can provide some insight. Do you include their home value into their net worth? Do you subtract the value of the home and what you owe on the mortgage?

Hi all
Can some please help me !!
I have already paid self assessed tax but in income tax website its not updated and money also debited from bank
What should i do now

How much should i save from my salry for securing post retirement life and all general commitments before that. I'm 30 now. Assume no Inheritance. Current in hand 1.85 lpm

What’s a reasonable amount to coinvest in a PEs fund? ~$300k nw

Thoughts on large companies taking PPP loans?

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

Hi! I am not YET retired but these are trying times. I am in bed with the Utah Returemtn System and would love any words of encouragement or light at the end of the tunnel l? Retirement eligible in 7 years but don’t want to draw on my state retirement until 62 or 65(to Max my benefits!) it’s so hard an scary! Not sure I’ll make it. Worried about healthcare and leaving money on the table.

ELI5: back door Roth and mega back door Roth. What are they, who do they benefit, how to realize?

Been looking forward to the stock market to come back to earth for a long time. What should I buy

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

Why are there so many Private Client Advisor positions/ Private client Banker positions open?

Are MBA consultants worth the money? I have a 3.6 GPA and a 740 GMAT. White male and shooting for Tuck and SOM. Should I get one?

Anyone here going/gone to Harvard? Curious to know how tough Harvard (mainly MBA) is with ADHD?

Going to take my shot on here:
Does anyone know the name of this Chinese restaurant connected to a run down hotel in DC? Supposed to be one of the few authentic places.
Best Chinese food ever.

Me 2 months ago: Finally got Hamilton tickets this year! What could go wrong?

😭😭😭😭😭😭

Happy to refer anyone to Citigroup. Just send me a DM. :)

What’s the point of having multiple awards for “craft writing” if your agency only sees you as the translator?  🙄

I’m thinking about transitioning to In-House from a big law firm where I practice Employee Benefits. Will employers consider me without the typical “corporate” or “litigation” experience?

Hi folks,
How much Wipro pays for Europe on-site role with B3 designation.

Hi,
PPL working in Walmart Bangalore.Have you guys already relocated to Bangalore or travelling from your hometown based on the requirements ?

Laid off, 10 years exp, tired of acct management. Feel so lost. Don't want to go back to agency side. What should I do? I feel like 💩

Who’s negotiated severance? Any tips?

Hi Fishes,

How much can I expect the offer from Ericsson on 6.6 yoe and on Production Support Role?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

What would you all say are the best consulting firms to work at in the federal government space? I’m not sure how many “prestigious” firms (like MBB) have a significant federal practice at all.

BROWARD COUNTY, FL NURSES…can anyone refer me to a good PCP. mine is lacking.

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

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 know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Is it common for HOA to ask you to prove your car registration is up to date?

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?

Do you thank your tenants for paying the rent? A quick thank you text?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

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

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

What, if any, were your main complaints?

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. 

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?