Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

Finally I dropped the idea of purchasing property in pune, it is too expensive.

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

I can’t believe I sold my NIO positions after holding for several months right on time at $53 this morning. What is a good price range to buy some positions back? Any thoughts? Thanks!

Which consulting firm has the best 401k match?

What is cost of leaving near Bagmane TECH park Bengaluru?
1BHK house rent?
#Bengaluru

** Very Important **

Tax declaration last date is on 15th May 2022.

I would like to know do I have to submit the investment documents now ? Or later in the month of March 2023 ?

Please let me know. Thanks.

Stocks only go up.
Apple calls, Microsoft calls and alibaba calls are peaking my interest now....

Are we on recession? My portfolio is super down - low cost ETF investor here

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

Can someone explain the LTA policy? What happens if I don't claim any travel bills? Can I claim it as a taxable component monthly?

When you guys buy call options - do you usually go with out of the money or in the money and what timeline of expiration? What’s the best play?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

How often does anyone feel burned out? At what point does anyone say enough of this shit after feeling ignored by your company? Keep in mind that this is work at home.

Any good books to read this winter break? On leadership, digital, or any autobiographies?

Do you have advice on how to interview better with Amazon?

My résumé and portfolio are great, and I’ve been asked to interview with Amazon for 4 different teams now. However, it seems like I’m not making it past the first 1:1 interview. 3 out of 4 have resulted in not the right fit for reasons unknown; they don’t provide any feedback either. I have been invited for a new interview today with another team, and I am hoping 4th time is the charm. Any tips on how to do better next time?

New to the U.S., is the Healthcare Industry (via HIPAA), the only industry in the U.S. that legally mandates having a designated Privacy Officer? So for example, although GLBA has obvious privacy requirements, unlike with healthcare, financial institutions in the U.S. are not mandated by law to have a designated Privacy Officer?

Hi All,

Can you like my post so that I can use the this platform?

Thanks in advance!!

I really like finance, but I want to be a sole proprietor. Any ideas of what I can do besides making my own hedge book?

Do you guys completed GIP advance training. I am a new joiner and it is a mandatory course..I have gone through the material but it seems many pieces are missing and that's why not able to solve all the assessment questionnaire. Any one have dumps for the latest.please help

Which one I should join TCS or Virtusa? Virtusa is offering 3 Lacs more than TCS?

How is Virtusa Lloyd Bank Project?

How is work life Balance?

Tech stack Java?

How many leaves are there in virtusa in a year

Do Leidos, SAIC, and other mostly-fed consulting businesses pay bonuses to all levels? If so, what does a typical bonus target look like? Booz Allen does not pay bonuses until you get to the Senior Associate level (1 step below Director) and I think that impacts employee performance and work ethic pretty dramatically. I’m wondering if not paying bonuses is common to federal contracting because of how the contracts or priced, or if this is something unique to Booz Allen.

Need some help, send a dm.

How you came into the company will define your path. That’s why you’ll never be successful switching departments.

Which country is better for job growth - Germany or Netherlands?

Is moving from Product management to management consulting a right move given the future growth and compensation ? I have around 11 plus years of IT experience largely in Product Management.When I see LinkedIn profile of management consultants I see few of them get hired on C level positions in other companies but do not see that for Product manager except starting their own startup.Need suggestions if i should keep this transition dream or not

Thoughts on skyhouse Dallas? Other high rises in uptown?

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

Used car prices starting to come down?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

How is everyone feeling about the market today? Buy? Sell? Wait?

Best HYSA with a good account opening bonus?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

Does anyone have a referral for “Citi Double Cash” credit card?

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

Anyone looking at airline stocks or ETF play?

Whats the benefit of a roth ira vs an individual brokerage account?