My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

Please post your crypto portfolio.

Mine - Btc(10%), Eth(75%), Ltc (leftovers)

Is it possible to buy a new luxury German sedan car with 30k budget?

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

Great question! And without getting too much into monetary policy.... Fed rates are set by the Federal Reserve which banks use to charge each other to borrow money. A lot of times these rates move together, however, a Fed rate increase does not instantaneously change the rates the bank offers.

Other types of savings account have seen an increase this year such as online savings accounts and fixed annuities.

Everyone has a different perspective on this but would love to hear yours. Someone has debt ranging say 4-5% interest rates. Do you attack debt more then investing to move towards a debt free life or do you go after investments since they return historically above that then paying down closer towards retirement. I know the latter looks better on paper but what about the psychological factors of being debt free and the guaranteed return on interest savings.

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Have about 100k in cash, wanted to get into market. Any recommendations on One time buy vs dollar cost average? If DCA, what’s recommended schedule- weekly or monthly?

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

Anyone else catch Tesla today? After months of no trading and waiting for the right time I had 10 700c I bought Friday at $695 a piece and exited at 4K a piece for a profit of 33K. Time to stay composed and wait for the next high conviction setup

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Any loan facility available in BOA

What is the name of the credit card that gives you United PQM for each dollar spent?

At what point do you start paying taxes on your side hustle?

Bhaiyon aur Behno!
Gurgaon me kisi Broker ka number hai to dedo

Dhanyawaad

📊 Poll: Is Snapchat worth it's 3 billion 💵💵 IPO valuation?

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

Any Deloitte people trade on robin hood?

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Loan payment question. I have two federal loans. One has no accumulated interest and is ~$110k. One has about $19k of accumulated interest (I previously made an embarrassingly low amount of money), but the total is ~$140k. While the interest is still frozen, do I: 1) make payments on the $110k principal amount only to maximize driving it down; 2) make payments on the $140k principal amount only to maximize driving it down; 3) make payments on the $19k of interest on the $140k loan; or 4) ??

How do you find in-house positions?

Do we get any confirmation mail, once we complete our probationary period of 03 months ?

Daily filling Timesheet even on bench.. bad process. it shall be weekly or monthly..

Anyone working in spain??

How many of you work directly with business clients (sales, marketing, R&D, supply chain etc. - essentially, non IT)?
Or is it the onshore business analyst who acts as a bridge between you and business?

Hi fishes, I joined Tavant technologies few months ago. I wanted to know more about appraisal process in this company like when will the appraisal meeting happen, what's the usual rating and hikes one gets there. Also from when will this reflect in payroll.
PS - I really have lot of commitments going forward, so these details will help me plan accordingly.
Thanks in advance. @tavant

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Hi folks,

Is there any vacancy on .net with 7yoe in cognizant.
If so please send a link or refer me

TIA

Anyone has experience with hiring career coaches? Not the HR spiritual types but actual managers doing side gigs.

Got out of audit but I'm not keen on usual exit of fin reporting roles. Am trying to figure out the best steps to take next based on my strengths/needs since I couldn't land any interviews at the moment.

They cost 1k per hour in my country so trying to gauge if they're really worth it.

Hi all , looking for thoughts on best company for sfcc. Is company like Deloitte better or a web agency ?

I am considering an offer from A&M as an SA in the FTS team. Any idea what total comp is usually? :/ Not sure if it’s worth the move based on salary and sign on…

Can someone suggest me integration steps for apple pay ? I am facing issue in using sandbox test card even after change device region to US and also add my account on apple developer sandbox.

I’ve been told my company is changing my title from Associate Director of BD to Sales Executive. I’m concerned it reads like a title demotion. Is it just semantics? How will this look for my career development? Curious about the standard perception of Sales Executive from a seniority perspective. Where does this land on the sales roles hierarchy? For context, it’s a professional services firm, I’ve been there 3+years, and they gave a Sales Executive title to someone who just started 5mo ago.

Anyone doing Carnival in Notting Hill?

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

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?

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?

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’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.

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?

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

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

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

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!

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

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.

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.

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!

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?

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!

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!

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615