In general, do banks offer the same rates for initial mortgage (like at purchasing) and for refinancing, assuming both are first mortgage for primary residence SFH? Thank you!

What’s the most equitable way to split rent and finances (e.g., living expenses, going out together) when considering moving in with an SO who is in graduate school and has no real source of income?

With WFH indefinite, now considering relocating outside New York State, but will earn income from an NYC based company. Will I still be subject New York City income tax?

Hey guys, Im 25 and I have about 35k in the bank, 21k in retirement, 41k personal invested, 5k in crypto. No debt. Is it smart to invest more during this down market or save for a house/wedding or something else that’s smarter?

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

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

Thoughts on personal loans to consolidate Debt?

What corporate card does BDO use?

Is Affirm to finance a purchase a bad idea if it’s 0% APR and interest? I don’t understand how they make money. If it’s truly free, I’d do it to offset opportunity cost of ROI

I purchased an investment property in Austin for $415k 2 years ago. It’s now worth $650k+.

Because mortgage rates came up, my monthly payment PITI is looking around $3150 per month. It will likely rent at $3000-3100 per Month.

Should I hold or sell immediately?

Anyone do sales and use tax at Deloitte?

Is it advised to invest all of your money (other than what’s in your savings, checking, or emergency fund)? About to take a plunge and invest everything and just keep these three buckets of actual liquid cash.

Our contract is due to expire in November in NYC. The agency has already sent us a Lease renewal for next year. However, we want to negociate the extension a little. We are looking into two scenarios: 1. Shorter lease term (6 months to 9 months) or 2. One year but lower rent. How would you put this to them knowing how notorious leasing agents are? Thanks.

Best cards for every day spending / benefits? I use Monzo but feel that I could be using much better cards with points etc

Is it worth buying Crypto right now? And which one?

How to transfer PF after joining new organization.

Simplii right now has a huge welcome bonus, channel only $100 as a direct deposit monthly and get $400 bucks (through my referral link, dm). No fee banking, highly recommend for some free money!

Thoughts on utility stocks right now? Considering selling my utilities ETF

Welcome! Let's talk crypto

Does anyone have insight of how much a brand associate makes at General Mills?

Anyone have success stories for using AA miles on a nonstop flight? It’s infuriatingly hard to use them. Thinking of just buying flights and using miles to upgrade.

Hi all

Wanted to know if anyone has any idea of Abu Dhabi Islamic Bank as a client. The work location is on-site which is Abu Dhabi

TIA

Anyone planning to move up their applications to this extended cycle before applications go way up for the Fall 2021 class due to recession?

Do you feel like you have to live in a big city to work in this field?

I bought a house six months ago and while doing some redecorating, I found black mold behind the wallpaper in the kitchen. Didn't the previous owners have to disclose this to me, by law?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Any good Indian ETFs that we can get into while being in the US / with a US broker dealer? I see iShares have some, looking for suggestions if this is a possible/good move.

This is the bowl fishbowl was made for!!!

Did anyone receive onboarding kit today?

Anyone else having trouble getting started today? The thought of opening a doc and starting to work is almost physically sickening right now

summer steam sale!

Do we think this market is just like oct / november with tons of opportunities? Or would realistic valuations returning crush the easy money in the SPAC world

I have been in my phone all day and havent really worked because i keep thinking about the guy I’m obsessed with but can’t have 😂

has anyone used Analytica? a client wants to use this to build a financial forecast model. how widely known is this in the industry?

Anyone wear Charles Trywhitt polos? Trying to figure out what size to buy. 6’1”, 210 lbs muscular / fit build. Should I go L or XL? My casual button downs from there are large extra slim and fit well.

Thanks!

For those who left to industry (startups): how accepting has the culture been of tattoos?

Any erstwhile altran employees here, how was the salary hike percentage in altran. now that most of the BUs are headed by altran guys, they will try to bring in their pay structure etc

What should you do if you see an error in the appraisal report (ordered by the lender)? Should you tell them about it, or just assume they have done their due diligence? It wouldn't impact the results

My mom bought a second property and it went up by 200 K so she’s now looking to refinance it. She’s asked to put my name on the mortgage as my dads credit is not the best. She has and still will be paying the mortgage payments. Also, when I do plan on buying my first house years from now she said she will remove my name from the mortgage so it doesn’t affect my credit and sell the property if I need help for the down payment. I trust my mom and I do want to support her but is this a good idea?

I purchased an investment property in Austin for $415k 2 years ago. It’s now worth $650k+.

Because mortgage rates came up, my monthly payment PITI is looking around $3150 per month. It will likely rent at $3000-3100 per Month.

Should I hold or sell immediately?

This is for my real estate agents. I’m brand new into the business and I adore the work. What tips or pointers can you give to a new agent- I’m in Las Vegas if it helps to be specific. If anyone has any book recommendations that’d be awesome as well. I’m looking to learn anything and everything. For example, learning what I can and can’t do to make a deal close

Looking for a real estate consultant,ASAP for for contract agreement

I have a refinance appraisal tomorrow and I’ve been text coordinating with the appraiser (I will be out of town). What’s the best way to get my personal estimates in front of him without coming off rude?

“FYI, I wanted to provide you the numbers that I’m seeing on my side. Hope this helps!” ?

For those in Chicago, anyone have a good rental contract website they use? I have a unit opening up and didn’t have a contract for my last tenant (luckily no issues)

Property values for similar homes in my neighborhood have already increased by about $20k. I bought about 6 months ago. Should I go ahead and sell or is it more prudent to wait a while?

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.

Anyone here live in Manhattan or NJ and invest out of state that would be willing to answer a few questions through DM? Thank you!

I’m just trying to get into rental real estate. Any books to recommend?

I’m looking to move to Austin mid Dec this year. I’m planning to rent a condo for a few months before buying a home next year. Anyone has any good real estate agents that can help in both?

Has anyone financed/refinanced and dealt with Arvest or Cenlar as your loan services? Their online reviews are pretty rough, so am curious if anyone on here has some tea to spill 😊

Apparently there are some septic issues at a place I’m looking at on the lake. The seller says “it works for a 2 person household as of now but they are aware of defects” — if it’s partially working, what’s the most likely scenario here? $5-10K in repairs?

See a lot of people saying I “house hacked” a $XXXk home and it cash flows $X. Can someone explain what house hacked is referencing a little more? I’m assuming getting an owner occupied mortgage but renting it out but am unsure

I’m done with being in public accounting. I want to transition to a career as a real estate agent since I love real estate and it highlights my personality more than anything I’ve seen, I’m very extroverted. I know the beginning is awful financially. Do you think it could make sense to RE full time and when tax season rolls around just do some 1099 work to supplement income if I have to? I have a wife and little kids

Just starting to look for a home for my parents who have never owned. This will be my second property and I live out of state. Any red flags I should know about remotely buying a house (and in NJ)? Also, at first blush a lot of the real estate agents seem to be doing real estate as a side hustle and/or are very young. I feel like I need someone a bit more dedicated or professional, any advice on finding someone like that?

1.35M house with a 300K down payment .. worth buying?
TC: 350K

Also, is 10/1 ARM mortgage better than 30 yr fixed? Factors to think while deciding ?

What to do in such scenario? A first time home buyer bought a condo at the market peak with low interest rate but now it's a different story with the rate hikes. we almost pay 50% of our income for home expenses. It's getting really tight with education and car loan and other expenses. What's the best thing to do other than reducing the other expenses. The home value is now almost 50-90k less. Is selling the condo an option ?

How does foreclosure home works? Is it worth investment?