Is anyone else running into a problem with managing repayments. What I mean is that I can afford the 20% down payment on homes in my market but my income can’t handle the repayments associated with the mortgage. I feel like I see a lot of advice on getting into a house with smaller and smaller down payments but nothing on actually handling the massive monthly mortgage bills that come with homes right now.

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

Who else is reeling under the pain of taxes?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Finally I am a tax payer of India.... After 3.2 years in TCS, will pay tax on 8k😂😜😜😜

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!

Decided to payoff my mortgage.

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

Personal finance book recommendations?

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

How much have you saved from refinancing your student loan?

Any inputs on QS stock? I got it at $15 rate, how long will it stretch? Pretty new to shares, how you people decide when to pull back?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

Chase Sapphire - still the best out there?

Are remittances / gift sent from US to India (from post tax money) considered for any tax breaks or deductibles in the US?

I have a new prospect. Small business owner that wants to start a 401k for himself and his employees. Who would be the top 2-3 organizations I contact, and what questions should I ask the providers?

What long term (30 years) inflation adjusted return can I assume for my financial planning? Dad was saying he thinks it’ll be 3% which seems insanely low

Hi Team,

I have cleared all the interview rounds (WebEx & HR on call) for the position: VERIFIER, and also submitted documents (authentic as per my knowledge) for background verification on Aug. 25, 2022.

How much time usually ICICI bank takes to generate Offer Letter, after all the verification process??

Deloitte India vs Deloitte USI.
Please answer if you have worked for both and have significant first hand experience about the difference in WLB, annual hikes, work culture, any other observations.
I see a lot in of this same discussion but very confusing and repetitive answers.
So would like people with personal experience to answer.
Thanks in advance 😃

Hi, how much can I ask ectc at Rakuten
Yoe 4.3
My cctc 6.3 lpa
Holding of 13lpa

Has anyone experienced ectopic pregnancy?My stomach pains/cramps are only on one side, and I’m beginning to worry. 1st pregnancy, 6 weeks today after several medicated cycles with no luck. TIA

I’m severely depressed, I’m genuinely struggling with a lot. I have suicidal thoughts everyday and am isolated. I have no friends too, is there anyone here who is down to chat for sometime ?

So I work in Learning and Development, and I'm realizing I don't handle social situations well.I have anxiety and switching from fully remote to hybrid is making worse. Anyone else experiencing same?
Considering switching my career, but not sure to what if I'll always have to talk with people

What all are the benefits IQVIA provides. Need to understand on below points-

1. Leaves
2. Meals
3. Transportation
4. Medical benefits (like dental, optical)
5. Allowances
6. WFH
7. Bonus that excludes from CTC and variable
8. Annual/Half yearly parties
9. Goodies or gifts during major festival
10. Anything else 😅

What is a fair salary for a NYC data engineer with 1-2 years of experience?

I had an interview the week before Christmas and New Years. I know there is usually a holiday slump - when should I reach out about an update? It will be 3 weeks tomorrow.

Is hiring going strong these days in MBB? I will be interviewing soon with Boston Consulting Group, McKinsey & Company, Bain & Company

Any ME fish willing to share insights?

Hi Folks,

Does as anybody help on how much time CitusTech takes to announce results after an interview of an experienced candidate??

Your firms most underutilized/unknown benefit?

So about that Google lawsuit...

Hi all,

Need your inputs.

I've 3.5 yrs of sap implementation experience.

Considering a generous hike, I was looking forward to somewhere btw 14-16 lpa.

Please let me know if it is correct quote or should I inc/ dec Any suggestions will be helpful..


Thanks

Have you been able to spend more time with your kids during the pandemic? How?

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

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?

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

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

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

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?

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?

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

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

Please suggest some good banks for mortgage rates. First time condo buyer.

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.

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.

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

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

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.

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!

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.

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