Primary home: which mortgage offer to go with 6.75% 30 yrs fixed, no points. 15K closing cost or 5.5% 30 yrs 15/15 ARM, no points. 18K closing costs. Please share thoughts. Thanks !

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

Get rich or die tryin #50Cent #Crypto2018

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

What do folks think about the Uber credit card? I already have CSR and citi double cash. Worth getting it?

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

How much money is in your checking account? Me first: a lowly $3k.

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

Who bought some Bitcoin on Black Friday?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Thoughts on the new Chase Freedom Flex?

On average, what % of your lifetime savings should be directly in the market (MFs and ETFs)? This is excluding 401k, Roth IRA etc

Is now a good time to buy VTI?

Can your spouse be employed in Google and getting RSUs?

A lot of my friends (on H1B) have bought houses in suburbs (or away from City) the past year. I really would like to stay near City (NYC). Any of you considered or have bought apartments in City area instead of huge suburb houses? Any pros and cons that you are aware of?

What books have the best Mckinsey style cases?
Currently using Hacking the case interview and the case interview:20 days to ace the case. TIA!!!

Just curious are there any EAs in the Las Vegas, NV area and what are your salaries?

What are your top 5 indie games that you would highly recommend on the Nintendo Switch?🤔

Which companies does Salesforce’s consider as it’s true competitors?

Hi,
I interviewed for ACON position in Knowledge & Insights team. It's now 5 6 business days still no update from HR on anything. Should I just assume that my candidature is not moving forward?

Thanks

I love my SO. We’ve been together for nearly a decade and are talking marriage. I know being with him though will require living far from my family. I love my family and dread the thought of being far from them. My SO has been transparent about wanting to return to his home country. I don’t want to lose him but I also dread being far from my family. What’s the right call here? Fwiw he’s lived in my home country for about a decade now but has been able to visit his pretty easily (cont)

Hello everyone,I recently joined Cognizant and received an auto-assignment to a project ,I have project details and project id but no contact details . How to proceed further,the employee marked in CC are all hrs. How to know about project any Idea? Cognizant

Which is better ?
Associate Consultant in Capgemini- 9.25 Lakhs CTC

Consultant in Deloitte India - 9.25 Lakhs CTC

YOE - 3.
Field - Corporate Law

How much should I expect as a L4 CSA at Microsoft, living in Texas? Want to know if I’m being made a fair offer.

What’s an appropriate rate to charge per word for a publication like VentureBeat or TechCrunch?

I am at salary negotiation phase with accenture hiring team. Somebody give me pro tips to fetch more CTC.

Getting pushed to do account work as a PM is making me want to scream. And the bullshit let's align on PM expectations meetings when I'm doing my job is driving me up the wall. I'm doing my job....YOU aren't.

Do brokers like Lockton and Marsh only hire established producers or are they open to newer producers?

I’m planning to start cold emailing a few companies that I’d love to work at. Is it more beneficial to reach out to hiring managers or someone in the department you’d like to be at?

I’m new to the cybersecurity industry, professionally speaking (I did/do a lot for family and close friends). I’ve completed a boot camp, which I regret doing. I have certifications for companies such as Qualys and ISC2, but no CompTIA security+ yet. I tailor my resume to position descriptions. It’s been a month or so, without any offers. What would you suggest that I do to get my first entry level position?

Hi Fishes in the Bowls,
I need referral for Amazon, I am having 4.6 years' of experience in networking and systems.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

The threat of nuclear bombs flying over cities should crash the real estate market

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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.

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

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. 

Any good HELOC recommendations?

Ideally 90% LTV, minimal closing costs, desktop appraisal.

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?