My partner and I are looking to buy our first home probably in 12 months. We have a majority of a down payment saved up, no credit card/student loan/car payments, we pay off our cards in full every month.

We are currebtly operating at about 12-15% DTI.

One of our family members needs a cosigner for their rent. Will us taking on consigner liability and increasing DTI to 17-20% affect our mortgage rate next year or is that not affected by DTI under 20%?

Thinking of buying ALL coins for $1000 each. Am I crazy?

I should be getting my job offer this week. Can someone tell me if Chase offers benefits such as; student loan repayment, discounted daycare, childcare FSA, employer HSA contribution? If there’s a high-deductible plan what’s the max family out of pocket? What’s the employer 401k match?

My hidden talent is finding houses I love that are way outside my price range.

Roth vs Traditional 401k, thoughts?

Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

Thoughts on the new Chase Freedom Flex?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

In your opinion which is the best target fund to choose in IRA Roth?

Anyone have experience transferring stock out of Computershare? Rolled my old 401k to a IRA and am trying to figuring the best/cheapest way to transfer my former company stock to my taxable acct. I assume transferring to the IRA is not possible

I feel like I'm going to get screweeeddd over with this upcoming housing market crash. I know we paid hundreds of thousands more than the house is worth 😭

SD rent prices are just about the same as SF right now. It’s blowing my mind.

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Hi All,

Greetings!

Can anyone please help me referring for Azure Data Engineer Role, YOE 3 years.

Reason: I am activity looking for a change as done with Firm Intiatives of Deloitte USI even they are not compulsory now.

Please drop your email ids in comment box (if comfortable) so i can share my profile with you.

Thanks in advance!

I am having 2.2 years of experience in Bigdata Testing. Please let me know any vacancies

Not sure if other firms are the same, at EY we can add “🏳️‍🌈 I support inclusion” in our email sig. Most people from Unity ERG don’t. If you don’t, why not? Particularly during Pride month.

Hi everyone,
I am a new joiner @ Coforge, joined on Nov 15th and still waiting for project allocation. What is the resource pool/bench policy for a new joiner, can anyone please help on this?

Could someone please explain the creative hierarchy in pharma? In general market the roles are normally: JR CW, CW, SR CW, ACD, CD, GCD, ECD. How are creative supervisor roles the same/different? Thx!

Guys weighing around 185 lbs. What are your compound lift PRs? Just curious

Can everyone tell if they used to receive gift on diwali? This year I haven't got anything

Do you guys use all of your dinner allowance in one go, or do you stretch it out and use it for lunch the next day?

Anyone have insight into what Corporate Development at PayPal is like?

Georgia Tech Cybersecurity masters or the analytics masters? Currently in a cyber role at Deloitte. I was thinking it might be better to do the analytics master and get a CISSP. I feel like there is more value in the cissp than a MS cybersecurity

Hello All,
Any EY GDS PMO here?

Is it normal for senior managers to ask you to cancel leaves or to nit apply leaves in EY GDS? My manager told in all hands meeting yesterday to not apply leaves during tear end. Won’t this become a hr issue?

Prometric is closed until May 31 all across the country.

Hi All,
I recently joined Globallogic but Im not getting enough calls on Angular profile Currently having 2 yrs of exp with 100% completed GLO profile. Pls help

Is there a way to filter the kind of news you receive on your Facebook feed?

How many days walmart takes to roll out an offer. My hr round happened on Friday 24 June still no updates

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Any Property Management recs in Seattle area? :(

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

Any one knows what’s the easiest way to order a radon test for new construction?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Has anyone here used New Western to buy real estate deals?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Anyone punched out of state 4-10 unit apt building? How did you find the listing?