Is 10k in closing costs high?
And any drawbacks to putting down 5% instead of 10%? Lender tells me it’s the same rate. With interest rates below 3% i kinda want the extra cash in the market instead of tied down in equity. Thoughts?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

Can someone explain whether you’d buy altcoins as a ETH pair vs a BTC pair? Does it matter?

If you could go back in time what would you tell yourself before taking out student loans?

My home office is NY but I live in NJ and I’m filing taxes in multiple states that I worked in this year. On my W2 federal wages are the same as NY state wages, how do I track down my New York w2 wages without access to my detailed timesheets? Can I just subtract my total wages from the state wages from my W2 of the other states I’ve worked in?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

Do you guys factor in how far your parents live when looking to buy houses? My folks are here but I'm thinking of buying in Louisana. Scared to leave them though, haven't ever lived more than an hour away from them 🥲

Is Estate taxes usually significantly tested on REG? Just wondering since it’s going to get eliminated for exams post July 2021

How should I prep for HH convos? I’m interested in impact investing, most likely at VC or Growth Equity shops. Is that specific enough, or should I have a more detailed target? Do I need to prep modeling, have a list of target funds, have investment theses etc? What will initial convos be like?

For those that trade individual stocks, how do you keep your emotions out? I decided not to buy Wayfair last month due to past volatility (was looking for short term gains) and now kicking myself.

Thoughts on vanguard money market funds to replace HYSA in today’s market?

35/m sole earner for a family with 2 kids. Want a life insurance with a ~$2m payout (to cover nice funeral, mortgage, kids college, spending money for the wife until she finds husband no.2 etc). Should I go with term, permanent or one indexed to a fund? Also, should I get one policy or is there any advantage to taking out multiple?

Have about $50k in cash saved up in a HYSA and am looking to invest half rather than leaving that amount in the account. What are some of the best options to put this $25k into? I am looking for more of a passive, low/moderate risk investment that I can pull out in the next 3-5 years so that I can put a down payment on property.

My sons friend is looking to get into real estate . He is a junior at Indiana University. Looking for recommendations.

1040 help.. if I own two homes and loan amounts add up to over 750k, and mortgage interest deduction is limited, can I choose to report only one mortgage (and ignore the other 1098)? Using turbo tax but numbers are not making sense to me.. we bought a new home near end of 2021

Is it a bad time to buy a condo in a big city on a conventional mortgage?

Had a great covid rent deal but rent is going back to normal. I want to stay in the location, live in said condo for 1 to 3 or 5 years then move to something bigger (further away from downtown) and rent the condo, eventually for passive income

What do you think about the outlook for AM / HF jobs in the future? Will they continue to be there, or will they be slowly canceled by passive investing? Thinking about going into IM post MBA, but this thought is holding me down

Confused why Wachtell qualifies as BigLaw when they have one (small) office

Does anyone know what the day-to-day of a New York Assistant Attorney General is like? Is it fulfilling? Stressful? How is the work-life balance?

About to turn down a job offer that would nearly double my salary after speaking to several former associates of the firm and hearing some not so great things. The word “sweatshop” was used multiple times yet I am still having a hard time wrapping my head around it. This is truly “you can’t pay me enough to be part of that” in action. I am betting that I can get the same money at a place with a better culture - hopefully I am right!

I find that being a police officer tends to limit my dating pool. I love being a cop don't get me wrong, but I need a little advice on how to navigate the dating world with being an officer. The moment I am transparent about my career, I get ghosted. Then those who do stick around tend to fall in love with my uniform and not me.

Meet up Announcement: start your Labor Day weekend off right! Tomorrow, 9/4 @ 5:30PM. Heckscher Playground. Comment if you want to be added to the group!

Have an interview with Morgan Stanley for an analyst role with their financial crimes team - is this a good starting position for someone looking to make a career change? What’s the salary?

Last month someone from Natwest posted an opening on a linkedin professional network, I sent him my CV. After couple of days 2 rounds of interview happened and I was told that I am selected, salary was discussd and he told me that offer letter will be released soon. No commumication was done over email. Was he a fraud?

Hi all, anyone familiar with Skadden in DC? Looking for any insight!

Crowe is hiring for quite a few positions across the US (Internal Audit, IT controls and cyber/digital security, Compliance,etc)… I’m a manager and would think some of these niche areas have great opportunity for new folks to excel rather quickly. Great flexibility and mobility policies. I’d be happy to chat if interested and get you directly in touch with the right people internally.

Any book recommendations for grieving the death of an estranged parent?

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

Any of the larger production companies you generally try to stay away from? I know it’s all about the best talent for the creative, but which shops are a massive headache to you? 😊

Hi fishes, I have joined new organization 2 weeks ago and I think have been low bowled in terms of compensation. Now I got 2 offers which are better than what I have joined. How to deal with such situation. I am not greedy but joined 8LPA with 4.3 yoe.. is it okay or less? FYLI can't abscond as I have company laptop (WFH right now).
Please guide me guys..

I am an in-house marketing director. Get good feedback on my performance and generally contribute to the organization. The majority of my work is self-generated, I don't get too many emails from across the organization. Is that a bad thing?

Any agencies going back into the office next week? We’re finding remote work is more productive, and safer right now.

Hi y'all! How flexible is your remote workplace is when it comes to where you live and how frequently you move? Do they expect you to stay in your city/province/state, or do they allow you to go full digital nomad? Do you wish your employer's policy would change?

I have two offers with me
1. Infosys 18.25 LPA(15% variable) 1.25 JB
2. Infostrech (Apexon now) 21 fixed 1.25 JB

Infosys permanent wfh (Infosys doesn't have office in Gujarat)
Infostrech (Apexon) 1year wfh then hybrid (office is there in my hometown)

Which should I go with?
In terms of wlb (must for me as I am having small daughter to look after) & job security .

Please help.
Need to decide by EOD has having joining on Monday.

I hate the word provision now

To all my new construction home buyers or people with an eye for interior design. I just purchased a new build and have the ability of selecting all of the interior (floor type, carpet color, cabinets, back splash, counter tops etc.) Any advice on how to select timeless finishes vs trendy? What are things I should avoid?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

Is it normal to ask condo management about move in a week before closing or after?

Anyone ever invested in a real estate syndication?

Anyone follow samfasterfreedom on Instagram? Wondering what experienced peoples’ thoughts are on him

Is it legal to collect the rent in a separate LLC even though rental property is not owned by the same LLC?

Is it totally batshit to buy land in upstate NY and build on it “someday”? Would probably be financing the purchase.

At what point in the home buying process do you ask the builder/seller for evidence that property taxes have been paid?

What rates are you finding from lenders? I got quoted 15 yr 2.62 with 0 points from chase. How to find best rates ?

Has anyone taken a cash out refi to purchase another primary home? Thank you for your help !

Could anyone recommend some safe, affordable areas in Denver? Or a suburb around Denver?

I cant afford to live in NY anymore and need to move bc my landlord is selling the house.

I don't think I have enough time to buy a home. I have less than 2 months to move.

I think relocating is my best option and just renting something in Denver, CO or Tampa, Fla. I'm an early 30s f and would be living alone.

I would prefer a townhouse if possible, but it seems harder to find them so far.

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Anyone here ever had any experience using a 203(k) loan? How wild you rate your experience?

I’m looking at a master bath renovation this year. Not moving any fixtures but more of a facelift. What are your best tips to save money?

Anyone want to aspire and get their real estate licenses together for a side hustle?

Fiancé and I are going to start looking for a house in the Chicagoland area. Any advice? TIA!

Recently sold my home and got a check for 190k, does anyone know if this will for sure hit my taxable income for 2020? Is there any way around this? There has got to be a loophole. . Help

General thoughts on Liberty Mutual?