Is a commitment letter from the bank necessary? While I've already received a pre-approval letter, the agent is emphasizing the importance of a commitment letter. My understanding is that a commitment letter can be advantageous in a competitive market but isn't obligatory. My hesitancy stems from the potential impact on my credit score with another hard inquiry. I plan to purchase a house in the next 6 months to a year. TIA

What does 401k mean?

How did you go about starting your investment rental portfolio? Single Family Homes? Multi-Family / Duplex+? Any and all advice appreciated!

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

What do you buy to “treat yo self” with a big bonus or payday after a case concludes? Let’s keep it to “goods/services” instead of paying down loans, etc. just for fun.

I'm a foreign national with a UK work visa, normally working in London. If I end up working from home outside the UK for 80-100% of the tax year does my UK tax rate change?

Hi all,

Does Here Technologies offers employees stock purchase program in India, do they provide stocks with regular offer/bonus??

Hardest area of the tax code to master? I would have to say subchapter k or international tax

I got promoted and finally make 150K which was my dream salary (I know it's not high by NY standards, but I come from a lower income household so I am grateful to be earning this). I've always lived with a roommate and I was going to find my own place once I hit that mark.. but I find myself so scared of spending 2K+ on rent alone. Anyone felt this way when you first got your own place? I keep thinking I could save 1K per month more if I just stick to roommates..

Indian Govt. won't recognise Bitcoin 🤦‍♂️

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Index fund or ETF? I cant determine which is more advantageous, just want to sit and hold similar to retirement accounts (already maxed out). Looking at VFINX vs. VOO. Advice is appreciated.

I have ~50k in a hysa earmarked for a future down payment. Would it be wiser to backdoor that cash into a mega Roth to increase earnings and then take out what I need in a year? Or better to keep them separate

Have 20k, what’s a good small business to start with this fund? Serious question here

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

In case anyone needs help with their Tax returns, please feel free to DM me.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

Hi Fishes, what is the hike given in lti during promotion from one grade to another. Like P3/P4 to P4/P5. Anyone gone through this. Please share your experience.

Really over this job, but company just started my GC application. I hear it takes about 2 years. Is the GC worth the wait? Does the time go by fast? Lol I feel stuck here & just tired. Send help

For folks who have applied for AP/EAD, how long did it take for you to receive it?

Why is Deloitte giving Iphones to people and what is this well being program? Can anyone explain.
Also, does it apply to Deloitte India(not USI) employees? Thinking of joining Deloitte India in feb in consulting service line.

What do you buy to “treat yo self” with a big bonus or payday after a case concludes? Let’s keep it to “goods/services” instead of paying down loans, etc. just for fun.

Taking the NY bar for the first time. Is it fine to take it from the work laptop because personal laptop seems to be giving up in life! Please guide any pros or cons. Thanks !

Hi WBS (watch bowl savants), I’d like to start a dialogue on how we can effectively use this forum for buying and selling.

Or if you’d prefer we keep this sales free.

Hi friends.
I joined Amazon 6 months back .
In 2015 i was working under a civil engineer and i had shown that in my experience.
I had no letters provided by my mentor.
The bgv team is now asking for bank statement and offer letter .
After requesting i got experience letter but i dont have anything else to prove that i worked there.
I have not lied but i am not able to prove .
Please help me what should i do in such scenario.would i be terminated .
Its my first professional corporate job

First Year Associate working in Tax Law looking to stay in Corporate Setting looking for potential referrals.

I am an associate at a UMM and my employment contract has a 4 month non compete (yes, even for associates) but I am thinking of lateraling. What are the implications of breaking a non compete? I didn’t say anything when I signed because I was desperate for a PE offer but it seems so unfair as I am just a lowly associate. I am not so much worried about getting sued, but about my current employer tanking my reputation if I leave and break the non compete.

Any insights on Consultant pay for Deloitte in London?

Hi all,
What is the Pay band for Senior within the KGS FRM team?
YoE - 3.5years
Background- MBA

Hey everyone! Fairly new to the city and looking for some cool restaurants to try out. What are some of your favourite places around the city?

Hi ,
I want to change my job can u please help me with the openings ??

Can anyone please refer me for MuleSoft developer role in Salesforce

Anyone looking for a HR Intern in the Detroit area? I would prefer a remote internship but I will do a in person internship

Started a new job this week. Very excited. My second tech job since doing a bootcamp and leaving my old career (police officer).

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

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.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Any recommendations on a good water softener system (4 people)?

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

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!

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?

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

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

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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

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

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

How do you find lenders? Should I pick a realtor first?

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 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?

Thinking about using my VA loan in a few years. Any advice?