Need some advice. My husband and I are looking to purchase a house. Total income is $390k. We just had a baby and I have $100k in student loans. We found a house for $780k. We want to live solely on one income while the other income is used to pay off student loans and for savings. Taking account just one income about 65% would be going towards paying mortgage and all bills including car payments. Leaving just 35% for spending and savings. This is our dream house. Should we buy or no?

$2k into XLV or VHT?

Hey Fishies!

Property owner wizardry required-

1.First home buyer lesson you wouldn't do again
2.First home buyer lesson you would do again

Just keep swimmin' - THANK YOU!

Looking to see how much other Provider Enrollment Specialist make including what their company's invests in their 401K

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

How did you all start as an angel investor? I am interested in becoming one… but don’t know how to start. I have 20 yoe in tech, and currently work for a faang. My entire portfolio is in stocks and re. I would like invest $250k or so over the next 12-24 months as an angel investor.

Investing newbie here trying to invest my hsa. Debating if I should do 100% on something like viix for simplicity or if I should diversify? If diversifying, what’s a recommended approach? Perhaps 2-4 funds? Many thanks for the help.

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

What causes a coin to suddenly spike 100%+ in value in a matter of hours? I mean how does demand collectively sky rocket - seems unlikely that so many people would have a coordinated buy?

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

When picking up a J2, how much should you include about J1 on a background check?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Does anyone here have a Tesla? Should I do it???...

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

Freelancers: what umbrella companies do you recommend? Had a bad experience w/ Parasol & looking for alternatives (avoiding the LTD/sole trader route as I can’t be bothered w/ invoicing/accounting).

YOE:1
I have just started my journey in Salesforce and I have started working on Salesforce Vlocity. Order management to be specific. I wanted to know what are the opportunities and what kind of job market is there in Salesforce/Vlocity.

Also is it good for learning to start off with Vlocity/Order Management right off cause it is a bit confusing for me.

Some guidance would be useful

Can anyone shed light on the Houlihan lokey process

Best east coast skiing/resorts within 4hr drive of DC? Looking to do a Jan/Feb trip.

Best consulting firms for defense companies? What credentials do they look for?

What can I do outside the office to boost my resume and be a substantially more attractive candidate for top consulting firms in ~12 months time. Working in disputes and valuation role but want to go into management consulting next year (post MBA role). I feel like my job isn’t enough because skills aren’t considered as transferable outside this field.

I had a break up and it was me who messed up. I blame myself all day and constantly have dreams of her. It’s been few months. I try to smile a lot or stay busy but randomly I cry out loud and burst into tears, I think I’m depressed. I also live alone don’t have a lot of friends and I’m 36. Can you please recommend a good therapist (I know you have to try multiple to find the right one)? And what else can I do to bring my self esteem up. Thank you

Without fail everyday around 4pm I encounter low-grade depression. This has been ongoing for years and I've tried to combat it through making plans, exercising etc... Anyone else experience this and found healthy solutions?

I am in a period of growth in my role (in house and getting more exposure to top management) - im grateful for it but I also have constant anxiety during and after work hours. Does anyone who’s been in a similar position have tips for riding this wave? Hoping it’ll get easier.

Hi! Does anyone have any Christmas gift ideas for a 30 year old female (currently pregnant)? She loves almost all designer brands, but I’m hoping to keep it under $500... (sister-in-law).

Hi fishes I need your help. I joined a company 3 days back. Onboarding is completed. Now I have got offer from an organisation that is near my home town and ctc is also more. I want to join there. What should I do. FYI I checked service history in uan portal my pf account is not created yet for new organization. Need your humble opinion.

Fishes, Basically, I’m a front-end developer. I have work with most of the front-end technologies and frameworks. I want to learn back-end to get rid of the dependency from the other person who work with the the back-end for the common tasks.

It would be highly appreciated if you could give me some advice/resources/roadmap on the same.

Anyone looking to do a case prep this weekend via Skype / phone?

Do citi bank risk team send their colleagues to US for projects? What is the criteria for going to US ??

Aside from LinkedIn, what are other sources to identify decision makers in large companies?

How advanced are the coding questions for entry level data scientist? For SQL+ python

Should I leave my first permanent job as a team leader of 4 DPs in a FMCG business (only been there for 4 months) to join a huge Tech business for a 12months contract?

They offer me 60% more money than my permanent role. Circa 2000 dollars every month in my pocket

However, I am worried if I accept the tech role and I do not become permanent I will be looking again for a job in 12-24 months and my CV won't be showing a managerial position. Won't be showing any progress.

Hello, Im new to US and still waiting for work permission, my level in embedded engineering is entry/junior and Im really motivated to start my career in US, by chance is someone interested to hire engineer like me, I can work for free before getting my work permission, I’m located in NJ

Any advice on shifting from association law to commercial real estate in FL?

I've been applying to jobs for months but every position wants at least 2yrs of experience in real estate transactions, usually way more. I'm at 1yr+ doing HOA/condo work but have had no opportunity to do real estate transactions like I expected. Seems like the only way to get the experience is to have nailed a big law gig right out of school and get put into that practice.

Conflicts checks question: thinking about making a move from small(ish) firm to a larger one. How detailed will a conflicts list need to be? Haven’t switched jobs since law school, so at a little bit of a loss about the whole process!

Are paralegals supposed to be the ones handling title/survey/zoning?

Any insight on Tannenbaum Helpern Syracuse CRE department?

I am desperately trying to get an inhouse real estate position at Google, applied so many times and I am qualified, don't know how to get through all the people applying, anyone have thoughts?

Anyone live with a general plat exception rather than insisting upon the title company specifying the matters on plat which constitute exceptions? This deal is in Source Carolina, but I don’t think the title company is pushing back because of any state law issue. I’m not accepting the broad exception, but I’m curious how often others do accept that.

Any doing RE work for in-house healthcare? I’m curious about pay.

Do you review the other side’s escrow instructions and provide comments? 4 years in and I’ve never done this. Working for a new partner and she insists on doing so “in case there are competing instructions” but isn’t that the entire point of funding through an escrow agent/title company?

Pro se plaintiff, an attorney, filed a complaint alleging mold defects after closing on a property. Client, layperson, may have agreed orally to a settlement amount without proof of damages prior to filing appearance and obtaining an attorney. Client filed appearance pro se, then plaintiff sent over a draft settlement agreement few weeks later which client didn’t sign. Client then got an attorney, filed answer, etc. Can this oral agreement be voided for coercion, indefinite mat’l term, etc?

Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Looking to work at a title company? Do they pay well and how prestigious is it? Are there any that are “better” than others?

Graduating in May and starting at a boutique commercial real estate firm mostly representing lenders. Is there any material I can start reading to help me get up to speed?

Real estate help: Boyfriend and girlfriend buy a home together with a loan from bank. Boyfriend and girlfriend are now separated and both agree that girlfriend will live somewhere else. Both agree that they would like to take girlfriend off the deed but also off the hook with lender bank. What would you do in this situation as attorney for girlfriend?

What happened to the ArentFox title policy limits? Is there an alternative?

When settling with a title company plaintiff on a subrogation claim, have any foreclosure defense counsel received settlements over and above policy limits? What is your typical settlement range? How has settling on your subrogation claim negatively affected your counterclaims against the mortgage lender if at all?

Is there a specific law that allows landlords to put a restriction on the number of days am overnight guest can stay? I have been researching for hours and can't find any case law or statue. Help! (In Texas)

Pro forma or proforma?

Any real estate attorneys interested in exploring new opportunities?

Title company just gave me a commitment with 72 B2 exceptions and the first one (after standard) is an unrecorded lease from 1862. Send help.