Is 5.875% a good interest rate these days? (after buying points)

Dipped my toes in some dumbass hype stock - 60 shares of FMCI, planning to sell within 2 weeks

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Newbie trying to buy some alt coins. Currently have some money put into eth and ltc. Suggestions please?

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??

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Does anyone does or have done options or futures trading ?

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Personal finance/investing advice for recent college graduates? Best personal finance and investing books/websites/subscriptions/YouTube channels? Thanks!

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Can we claim for education loan interest deduction while filing our taxes if the loan was taken from a foreign (ex. Indian) bank?

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

4th year associate, 200k student loans—think I’ll be able to get a mortgage even with loans? Looking at a place for 450k. I have 3.5 years public interest work that counts towards PLSF and I plan on going back to government so I really don’t care to pay it down.

What states have a big law market where I can get the most out of my dollar? Also currently work for CA firm, if I move to another state does the state tax rate switch to where I live?

Hi Fishes, Please advise ASAP
YOE - 9y
How much can be expected from JPMC on existing offer from other company of 28 LPA Fixed + 2.8 Bonus ?
Planning to ask 35 Fixed , will JP give this much ?

Is joining amdocs as java developer is bad ? they said i will be working on legacy systems to make them transform into new tech ? is it true And can we say no to project when joined or change project in amdocs?

I have recently joined NTT DATA. But realised that I am not really liking the project and work here. on top of that they are asking to come back to office. I have offer from other company (WFH) and aware of the work which I want. Should I put my resignation after 2 months of joining in NTT? What could be the negetive impact here?

Do you play phone games during busy season?

Question: I have a client who started a restaurant. He leased the land and bought shipping containers where he spent money contracting out to turn them into bars. I’m having a tough time determining how to depreciate this! First thought was leasehold but he’s not making improvements to a structure...he owns the structure! But nonresidential real estate at 27.5 years doesn’t make sense either as it’s not a brick and mortar building. Curious on others thoughts! TIA

Whats the easiest way to start your own tax return preparation practice (part time at first) then maybe full time if worth it? Which tax preparation software is best to use? Or is it better to start off at HR block or similar places to learn some of the ins and outs before going solo?

What are your favorite resources for getting smart real quick on a category?

If I wanna leave the firm in December.. when do I have to tell to my audit teams? I have to be utilized well enough to get my 30 month experience till december.

Developing an outbound marketing strategy for product marketing teams. Best ESPs specifically for outbound emails? Currently used HubSpot for inbound.

Hello mates, Do anyone knows salary bank of VP in JP morgan for external joiners?
Location: Mumbai
Area: Tech (Data analytics)

Any thoughts on the new cyber security CLE requirement in NY?

I figure it’s better than nothing…

How bad is the job market right now in Toronto? I’ve been applying but not hearing ANYTHING back

Currently an analyst-level consultant working with a client that has an investment banking division. Since I have access to internal systems, could I reach out to bankers for networking from within using those systems? Or would that be too aggressive? lol

What is your stance on remote work and productivity?

Rather specific question - best beef tartare in town?

Hi all.

Please suggest on the below:

YOE- 2.8YEARS
TECH SKILLS- .NET
CURRENT OFFER-10 LPA

What should be a good number to ask PWC india as an EXPECTED CTC?

Please suggest on this

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ

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

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.

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.

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

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?

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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

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!

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. Also, any regrets?

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

Has anyone taken a loan from their 401K for a down payment? Yay or nay on this strategy?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!