Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Anyone have any reliable free resources (CLEs, practice guides) for tax law and estate/probate/wills? I don’t have the money for anything paid, but I’d like to selfstudy these areas in the meantime. My state bar and libraries don’t appear to have a practice series or anything like that, so it’s been hard finding something viable other than the ole’ Google and pray.

Looking to start investing (mostly Index Funds and some crypto). Any tips on where to get an account for index funds? Vanguard? Fidelity? Charles Schwab? Somewhere else? What’s most cost efficient?

Does anyone do an HSA instead of PPO? If so, do you like it? Do you have any regrets?

Anyone still holding up those stocks? Chances of regaining the momentum in the near future?

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)

Are there actually mortgage lenders out there who will cover closing cost?

What's a good % of your gross income to be spending on housing? Does it differ if you're paying the mortgage vs renting?

Do we have tax calculator in tcs

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

What’s the process for you all when picking your accountant? Moving to the Seattle area from east coast and could use any tips 😊

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

Any advise on the best credit cards to use after consulting? Not sure if the travel credit cards are still the best value with the reduced travel.

How does the housing market work exactly, like, what determines whether prices go up or down?

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

Does anyone have Money Market MF and ETF investments in Fidelity? Looking for recommendations on which to invest in or should I open a Vangaurd account?

Anyone from Enterprise here who has received a promotion call or any idea what is happening?

Any recommendations for a church in Manhattan or easy commute from Midtown Manhattan? I live in Kips Bay and new to the States. Honestly, I know if it is too far away, I won’t consistently attend.

USI fish: I was promoted in Aug last year and I though we were supposed to get raises in February. Wasn't that announced in USI too?

Anybody has any idea when we would know about those increments, US people already know it I think.

Anyone else in ATL? We had the highest inflation increase of any city in the nation last year and COL is way up. My rent is now more than it was in DC. Anyone seeing COL adjustments? F20 not FAANG.

What would be the hike percentage for a new joinee who has been in Fidelity for 6 months? Grade : 4

How are you guys? Need any help in any topic? ping here.

How do you feel about corporations walking in Pride parades? For or Against and why?

Ryan Murphy is the new Aaron Spelling. Big rich producer making money off of cheesy shlock. I guess you can’t take the Indiana out of the boy. Heart’s in the right place though. Bless his heart.

How does CSM differ from CSPO? What skills do you learn? What roles do they set you up for? And how are they viewed in the eyes of other professionals?

Hi fishes, how is credit risk team in citi? How is work life balance and overall team ? Please suggest

Walmart vs Morgan Stanley
I have got an opportunity to work at Walmart Global Tech Bengaluru as a SDE-III for their pharma team. I am only concerned with work life balance at Walmart. Should I consider this offer or stay at Morgan Stanley ? Please suggest.

For folks who recently got their EAD, how long from the time of filing your I-485 did you get it?

I don’t understand why our clients don’t just fire the underperforming resources that are requiring us to be there. Instead they just debate our fees. The real waste is paying salaries to those people

I’m taking the GMAT in September and would like to include my score on my applications to other firms. Based on what I’m getting in practice, it would significantly improve my resume. However, I heard many firms, particularly MBB, have hiring windows in August, so applying later would hurt my chances. Is this true, and if so, when should I apply? Is it possible to apply earlier and then fill in the recruiter on my GMAT score while I’m in the process?

I do like the work..but I know I’ll be paid atleast 35K more if I leave..and not sure if the next promotion will happen sooner than 3 years..leave or stay? Don’t have much partner or leadership support but not in a bad book as well

I had a recruiter phone screen two days ago. I just realized I completely forgot to send a thank you note afterwards. Is it still worth sending at this point ?

Any international senior creatives who are on O1 visa ? Need some assistance please.

Is fruit really bad for you? I’m having a hard time with the concept of no fruit while on Keto. If I introduced fruit back into my diet, does that defeat the purpose of Keto?

Friend of mine was supposed to receive an offer (told verbally) from Deloitte and then just found out they are pausing on hiring the role. How common is that? Seems wildly unprofessional that none of the partners called and instead it was the recruiter conveying that news. At McKinsey, if that happened, the head of the practice or the office would personally make the phone call at the very least.

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

Thinking about using my VA loan in a few years. Any advice?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Trying not to jinx it but it feels like the market is finally turning... prices are down in 77% percent of US metro area's baby! Bided my time and hope it finally pays off when I buy.

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

Is buying fancy condos with high HOA(>$1k) worth it?

How much is 2k a month for a house payment? What size loan would I be able to get?