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

Anyone here with a negative net worth (excluding 401k) in their 30s? Or am I an outlier?

Any good books to help get you up to speed on real estate finance matters?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Has anyone at a mega fund like KKR or Apollo experienced coinvesting and actually being able to put money into a deal?

Balanced portfolio: hows’s your stock: bond ratio? Within stock , which index funds do you invest ? I have mostly invested in vtsax and vigax, and tiny percentage in vviax. Do I need to increase in vviax?

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

Started my grad job in consulting and keen on getting a credit card - any advice?

Hey, I’m thinking of getting a Mazda CX-5 2022. Is it a good car? Is it worth the price? Any problems I’ll run into in the future? Please talk about it! This is my first car and I’m super anxious and need to make a deposit soon! Thanks. Is it expensive to maintain?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

What is the present value of a government pension? How does one calculate it? Trying to get a sense of weather it's worth moving over to Federal.

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

How long after you quit before your company removes your access to your FSA card?

What is the *prime* amount of money to bring you happiness?

Curious if anyone has invested a big amount in one stock let’s say buying 150k of CRWD in may based on gut or conviction however you may put it. Want to have a discussion around lessons learnt and ways to derisk.

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

I’m new to freelancing. Does anyone have any tips/resources to figure out how to do taxes?

Anyone else here realized they have some alcohol moderation issues? I graduated college within the past 1.5 yrs and my friends are still in the heavy weekend drinking phase. I have realized I need to cut my drinking way down. I don’t drink every day and won’t crave a drink when I’m sober but it’s like once I start I don’t typically stop. I only drink about 2 times a week, but it’s the volume of drinks that’s the issue. I’m not ready to quit - just cut down a lot! Tips/advice appreciated! TIA :)

Anyone watch this is us tonight? I loved the cover of “you can’t always get what you want” curious if anyone knows who it’s by. Google is turning up nothing helpful.

Thinking about buying a house in La Mirada and start a family soon. Any thoughts on La Mirada area?

Data Scientists: What were the skills you were interviewed on and what are the skills that you use in your day to day job? Let’s create a thread.

Hey CG
I joined Altran and recently the emails have been migrated to Capgemini. I haven't received any credentials to login to Capgemini Outlook. Please provide me any number or email id for the addressing the same. Any help is appreciated 😊

Guys, I am looking for a project in RPA technology. I have basic knowledge in Uipath and Automation Anywhere. Any leads please DM me.

Stories of a Jax night out?

I'll go first: on a last night out for a navy guy I'd dated for like 6mo he dragged us to king street where i never enjoy, at the bar w the toss the ring game a couple was fucking in the bathroom and the guy in front of me in line was mad about it taking so long so he started banging on the door trying to break it down and started to fight them when they came out. So we escaped to kickbacks where a customer threw a drink at the waitress who subsequently pulled a 🔪

Could I pull off asking my manager from J1 for approval of freelancing on the side? It’s quite common anyway for designers I think. And then my j2 can be “freelance” even though it’s full time?

Anybody working in consulting and OE?

Has anyone ever worked remotely outside of the country for an extended period of time? I have family outside of the country that I would really like to spend some time with without sacrificing my job. Any advice?

If I accept an offer from HCL and I didn't join the company, will they Blacklist my profile?
Can I join HCL in future?

Any experience working as a corporate paralegal with Cooley, LLP?

New to startup ecosystem. What are some resources, books, podcasts that help you along the way? Are there any communities you interact with regularly on Reddit/discord/meetup?

Are there any life sciences firms that ACTUALLY have good WLB? And are hiring? Asking… for a “friend” 🥴

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?

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

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

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!

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.

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!

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?

In my market, you have to waive financing and mortgage contingency to even be considered. Annoyed this is now common practice. 😞

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

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??

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.

Any recommendations for buying agents in Massachusetts?

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

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?

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.

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