Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Just starting to invest. Planning to put 20% in BLOK, 20% in TQQQ, %20 GSLC, %20 SNPE, 20% VTI. Any reactions, other suggestions?

Porsche IPO worth buying now amid market and economy turbulence?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

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

Should I take solace in the fact that despite the great tumble I am still in the green (barely)? Hard not to feel like I lost the 50% gains lol

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

What kind of gifts are given at fidelity investments during year end?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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??

Use savings to (partially) pay for business school or invest and fully cover via loans?

why rent over buy; seems like “throwing money” away?

Anyone in the foothills? Wife and I moved to CO last year and bought a home in Conifer. Love it up here, but would be great to meet some peers!

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

AE: I need to take off this afternoon to the attend my grandmother’s funeral.
Owner: Why? She’ll be dead tomorrow too.

MBB folks on H1-B who recently switched to FAANG - did you run into any issues with visa transfer? My transfer has been filed and I’m a bit nervous about USCIS’ perception of consultants and the current sentiment around H1-B visas.

Do you charge your clients for time spent on email communication?

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

Hi guys Does BofA provide education leave?

recently asked a question about going to law school with an accounting degree. follow up on that- if i work 1-2 years at my current firm (offered 72,500 full time after graduating undergrad) and acquire my cpa (courses and exam fees paid for by the firm), then apply to law school, would that be more beneficial? ive been reading a lot that work experience helps with the application, alongside having a high gpa and LSAT score

How is the Project Manager position at NTT ( Location : Mumbai) ?
Job security?
Pay scale to be asked for as minimum as where does this role stand in internal hierarchy in the company?
( Considering the high cost of living in Mumbai)

I like to think of myself as calm but really I’m just dead inside.

Hi Fishes ,
From tcs I got mail to upload documents 20 days before (10th June)

There was no documents section under my profile in tcs I begin portal. One of HR confirmed that they are creating new EP id for me

Can anyone help me how much time this takes ? Most of the times no HR is replying to my mails and calls not answering

I have joined TCS. Now HR saying my bgc came negative.Asking for TAX and PF documents which i do not have. What will happen?

Do i have to search for another job now?

NOK to the moon baby 🚀

Moving from T2 to McKinsey. How do vacation requests work? I have family and friends getting married this fall in weddings delayed because of covid, but I’ll just have started so wanted to get a sense of how realistic taking vacation this fall would be and how to approach taking it (e.g. mention to HR, staffing). TIA!

Any IPS Advisory folks here ?

Hi Fishes,
I need a reference for opening in Natwest gurgaon.
Can anyone refer me I have the job id.

I’m interested in reaching for a position as manager for a local retailer, but I hate having to play the bad guy. How can I become more comfortable with fulfilling that role?

Do any retail workers out there still get severe anxiety when you see someone without a mask?

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

When is a good time to start looking to buy a house if you are currently renting? Like 1-3 months before your lease is up? My fiancé and I don’t want to rush the home buying process, but wanted to see if anyone has experienced this and their thoughts if they would have done something differently.

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

What is the most difficult part of buying a home for the first time?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

Is buying fancy condos with high HOA(>$1k) worth it?

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??

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

I'd like to buy, but the market is absolutely atrocious currently

Hi! European here who moved to New York and trying to buy a condo apt. Any tips on the mortgage process, any good providers here with good rates and no crazy costs? Condo is $450K and putting $200K down if helpful

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

How much is 2k a month for a house payment? What size loan would I be able to get?

I recently got a new job starts on 8/29 and it will increase our monthly pre tax pay to 250k for me and my husband. Will we be able to get approved for a 1M home?