Need some help here. First time home buyer and feel like I’m over my head with this monthly mortgage payment. I am planning to put 15% down

HHI: $305,000
Debts: $600
Interest rate: 5.875%
House Price: $503,477
Loan Amount: $427,955
Taxes: $1,178 (per month) a very HIGH tax area
Principal & Interest: $2,531
PMI: $43
Homeowners insurance: $150
MONTHLY PAYMENT: $3,903

Please post your crypto portfolio.

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

As we are not frequenting to office and clientsites, anyone plan to return their leased car to save money?

I am financially secure (husband now has a high earning job) and looking at what options for "moon shots" at chances of real wealth generation with my years in Big 4 (10+). Month to month cash flow isn't a concern anymore so i can focus on opportunities for bigger pay days. Ideas from the hive mind?

One of my big hang-ups with biden tax plan is raising corporate tax across the board. Why raise taxes on businesses when we've just found out how fragile it is to be able to run a small business?Why not at least propose some kind of progressive corporate tax structure if you want to raise taxes on corps?

Thoughts on Transfix? Anyone invested?

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

How can I invest in real estate ? Looking for an additional passive income source

Any recos for a fee-only financial advisor that’s under $300/hr? Need to understand sole proprietor/small businesses.

Anyone have a good PE specialist financial advisor?

Should stock options be taxed as part of your income or kept as capital gains tax?

Any loan facility available in BOA

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?

I’m a Bitcoin bull, and believe it will eventually be a hedge against inflation...

But right now this thing moves in line with the market :(
Beta > 1

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???

I’ve been using other people’s stock site logins for years from 3+ jobs ago

If my parents are over 70 years old, can I start their life insurance now so that when they die me and my family are protected financially.

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

I know a young designer looking to make some connections (coffee, info interviews, agency tours, etc). She's great/talented and my agency wants to hire her but haven't pulled the trigger. Leads?

To all my data engineering friends out there, do you all feel like trash sometimes? Like people dont understand shit about what you do, and clients just want to see some bs ml model/pretty but useless dashboards?

Any Deloitte people trade on robin hood?

Hi All,
I'm looking for a permanent work from home job, can anyone suggest a few names where I can try. I'm a senior consultant in Risk Advisory service line performing sox and IA

Whom would you opt for, Builders lender or traditional lender for new construction?

Anybody use Axial marketplace? Thoughts on quality from buy side? Any other alternative marketplaces you look to?

What consulting firms are in Raleigh, NC ? And how is the pay compared to somewhere like Houston or Chicago?

How much does AVP at citi bank gets paid in FRM - ICG in NYC? Currently a senior BA getting close to get promoted and unsure if it will be a good jump or if Im demoting myself

If you’re currently making 53K/yr and have about 1yr 1/2 of experience in X position and the company you are interested in says on Glassdoor that the average salary for your position is 80K, would it be valid to ask for that if you get the opportunity to get an interview?

Guys,

My current experience is 7.2 yoe.. joined accenture, feb 2021. My current fixed is 14.7LPA.. level is 10.. is my pay per current Accenture Standards.. im waiting for my promotion since 6mnths.. however, my manager is managing to push it as much as possible with Lame excuses..

Hey there!

So that’s the first time I am in a role where I am trusted to chose platforms and services to use, and I am overwhelmed!
I work for a B2B company, and am searching for a platform where I can monitor seo, and manage social media primarily.
I’m obviously looking at hubspot but what other platforms (combined of individual) do you like most?

Hi

Is anyone able to access prudent mediassist portal to submit claim after new entollment ?

Doed anyone have details of what was discussed in GDS webcast(EY Split) for TAX?

Fun Things to do in Vancouver during the summer? Thanks in advance!

Public accounting firms that are hiring tax compliance staff/associates? Haven’t been laid off yet but the writing is on the wall

London parents... is anyone else considering keeping their kids home from school during lockdown 2?

How can I invest in real estate ? Looking for an additional passive income source

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

Planning to call the bank today, but wanted to ask this here to see if anyone has experience with something similar.

I found a 6 unit property ( 5 apt + 1 coach house) that I’d like to buy and convert to a 4 apt unit. Is there any way to qualify for an FHA 203k loan since it will be a 4 apt unit after renovations?

Thanks!

Does buyer have to share appraisal with seller? Can seller request it?

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Any Property Management recs in Seattle area? :(

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

Is it common for HOA to ask you to prove your car registration is up to date?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!