One of lenders I am working with is asking for 750 pre payment to finish he application, which has lie, 30 pages of signatures.

The other lender gave me a preapproval letter. Is the 750@ normal thing? First time home buyer here, feel like I’m about to screw myself over.

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

** 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.

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

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

The general rule of thumb for a mortgage is 28% (primary residence) of gross income. My firm switched up their process and now instead of nice size raises it’s large bonuses. So getting increasing my gross income doesn’t really change unless I include my bonus which is obviously a variable. Is their a recommended approach for these scenarios? Maybe use agi on tax return instead of gross income?

Anyone taking profits from UVXY and VXX or still holding?

EY folks - how do I increase my firm group life insurance coverage (not the group universal / variable policy)? My wife’s coverage is at like 3x my salary but mine is only at 1x my starting salary from 5 years ago…

Question about solo/self-employed 401ks: If I create a sole-member LLC for a side business and create a solo/self-employed 401k, am I only allowed to make contributions from the earnings earned via the LLC? Or am I allowed to contribute money earned from a different source (ie W-2 job).

Zscalar . Is ESPP mandatory to choose if mentioned in offer letter?

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

I’m new to buying stocks and used Stash. Pros and cons or recommendation for other traditional company like Charles Schwab?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

Just made a 38% return selling our house after 2.5 years. 🤗

Thoughts on the new Chase Freedom Flex?

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Any recs for mixology classes for couples?

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Have 20k, what’s a good small business to start with this fund? Serious question here

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

My company is looking for a new CFO (my would be boss) and I may have an opportunity to interview him/her. What questions should I ask ?

The learning and design content I write belongs to the company where I work. Am I able to add and/or share my work in my portfolio? Is it acceptable to create some generic content to demonstrate my skill set?

Is it outlandish to think I can find a decent 1B 1B apt w/ in unit washer-dryer and 15-20 min away from center city for under 1300? Have some time to do searching but don’t know if gems at this amount even exist

Do you find your performance when exercising way worse when in ketosis? I’m way slower at running & workouts feel particularly hard to keep going. Does your body get adapted to it, or it standard?

Anyone know of any great agencies that work in the purpose/social impact space? I am interested in looking into this area.

What's the salary band for a Senior Manager of Product Operations in HelloFresh?

Hey folks, how much time it takes for first advantage to start background process ? I have accepted the consent form but haven't recieved any mail from them yet.

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Hello Guys,

I am in a super good position at Jellyfish as a Director with a good room in terms of growth. Great responsibilities, work life balance and I strongly love my job. However, there is an opportunity to join Google Dublin as an Agency Development Manager (level 4) with strong salary, new challenges, different role and responsibilities etc. I HAVE A STRONG DOUBT about a trade off: is better to have a strong margin of growth and a good position or join Google with the above conditions?

My SO just started with PWC Australia. I might have to relocate to the states in one year. Will it be possible for my SO to relocate to states as well through PWC at around 1 year mark? Does PWC allows that just after/within one year of joining? Assume she'll get L2 through me, if that matters.

Can you get rejected for not explaining framework deeply despite doing everything else correctly (cracking the case? And getting the interviewer’s nods?)

Are ppl worried about being on the bench esp when there aren’t a lot of projects in the pipeline? New hire here about to be up for staffing for the first time and sentiment at my firm seems to be worried/fearful about being unstaffed. Is it actually worrisome to be on the bench in this environment or is this just a product of highly ambitious over achievers worrying about not being constantly utilized?

Anyone able to get 5% cap rates on condos/townhouses in Chicago? I am looking for the green zone area, but still cannot find anything in this range...Unsure if I should wait until 2020 or bite 4.5%

Is $400-$450 too much to have bearings replaced on a washing machine?

I have 100k to my name. I’m thinking of investing in by going in with 3 other family members and buying commercial units. I was taught to rent where you live and own your investments so your not tied to it and restricted. To give context I’m 22 years old, and I see other family members having a headache selling their home. My question is do you guys recommend owning where you live vs renting ?

Anyone been approved for a mortgage with 50% Debt to equity ratio? No current debt or expenses. Just HCOL area in NJ so mortgage would put me at 50%. Want to see data points.

I am looking for an investment property and reached out to a realtor and had a couple of conversations with them and they have sent me the listings and I told them to start scheduling viewings and told them my availability this weekend with the houses I like. They said they would schedule something but I haven't heard back and it is now Sunday evening. I didn't follow up because I got busy, but is it a sign to change the realtor? What's the best way to find a good realtor?

Home depot or lowes for kitchen remodel? Avoid ikea?

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

Any tips on someone who's new to real estate and wants to start investing in NYC?

Newbie quick question - is the 1% calculated based on rents collected, NOT including your own mortgage payment if it’s owner-occupied?

Ex: looking at a 3 family for $500k, let’s say rent is $1800/each for the 2 units, hence 3.6k month, but I live in the other. How do i apply the 1% rule here?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

Can anyone offer any tips/advice for a first time home buyer? Would like to learn about any recommended first time buyer programs.

How do I classify my property for tax purposes if I received rental income for exactly 15 days this whole year? Primary?

I am in the process of buying my first rental property. What type of insurance do I need? Rental, landlord, condo insurance? A bit confused.

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Commercial Real Estate: how long did it take you to know if this is what you want to work in?

Looking for advise for a buying first home. Will be 28/yo married attorney with student loans looking to buy in northern NJ in 2022.

Loopholes to using a VA home loan for rental properties? Have heard buy a duplex and rent half out but curious if there’s other opinions lol

Looking to start investing/buying rental property. I want to acquire 1-2 per year. How do you find the right realtor/agent? I’m having hard time locating good one in the Houston market. Thoughts? How did you find yours?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.