Thoughts about single (no spouse no kids) income 180k TC taking out a 550k mortgage for a 850k house? Will be having my parents live there with me, no substantial additional income except they’ll pay for food. I haven’t contributed to my 401k for the last three years to pay for this downpayment. Please roast me, or give me advice.

Thoughts on the new Chase Freedom Flex?

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

Who would you recommend to refinance student loans with?

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Whats the second source of income for a IT employee ?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Any Deloitte people trade on robin hood?

The worse the news get the higher the stock market goes... it’ll reach all times highs when we’re all unemployed and Jeff Bezos and a few of his buddies are the only one trading

Looking to buy a practice in the St. Louis, MO area if an advisor is ready to consider retirement, could transition over 1-3 years as desired.

What is with people not knowing how to read signs? We have a huge one that says “NO CASH ALLOWED” and I still get asked almost everyday if we take cash

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

where is the best place to sell or trade in my used car? (2019 van low km’s)

Question for the group: How to trade stagflation? Shorts and commodities / precious metals only get you so far.

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

What are a few key differentiators for an AWS professional to decide to remain at AWS after the initial 4 yr RSO vesting cycle?

EY fish - when you are laid off, is it immediate the day you're told or do you get a little warning?

Any free IT / other certifications happening out there? Curious what fellow 🐠 have found. I’ll start - Oracle Cloud Infrastructure certification is free through 12/31/2021

Venting here... Been working for 8 years now, always wanted to move to California. I remember in 2012/2013 finding really nice homes for ~$1M. The same caliber homes are $4M+. I've more than doubled my salary since I started but it feels like nice homes are getting further away. I'm not sure there any many salaries anywhere that can buy $4M homes. How is this rational?

I have received two offers from great companies. One is a senior analyst role in the advertising industry and another is a Product manager role in the risk industry. I have 1-2 years of experience as an analyst.
The salary, benefits for both are same. I’m looking for a role that has tech and strategy designing as well and both the roles offer this.
My long term goal is to be a product manager but I want to be on the tech side as well. How do evaluate the offers?

Hi All,
I got an offer from Deloitte India and KPMG Global Services into deal advisory role. The salary difference is not very much but I'm confused now which one to join.
In both the companies I have to work with international clients.

What salary should I expect being full stack Sr .net developer with 5YOE current CTC Is 14Lpa kindly share ur personal experience

I am mentally burned out and struggling to even prepare for an interview. I'm afraid they'll notice. Help?

Hi Everyone,

Need your valuable insights. Having an YOE of 11 years and offered TechLead position with a CTC of 30 LPA (28.5 LPA Fixed) a month ago.

Though their WLB and culture seems good, I kept feeling that I am being lowballed which pushed me to give further interviews.

Received another offer for same role from another PBC for 35LPA (33 Fixed). Is it OK to ask the first company to revise the CTC (up to their best) where the DOJ is in 10 days?

If I leave big law for ADA will I get canceled?

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

Hi Fishes,

What is the probability of a Birlasoft employee becoming client employee(fte for the client)

Hi shark how's the Paycore client in virtusa ??
How's the Work life balance?
Do they provide wfh ?? Pls put some light on it I really need help of you guys

Hi Folks,

Which company (TCS & HCL) is good in ITIL Domain, i am asking only in ITIL stream not over all as a company.

Please provide your inputs or comments.

Hey Guys, Any hackathon ideas for a fintech organisation?

Anyone done the billing superbadge? Need some help with step 13

Where would you eat with an out-of-towner for a week?

How can I make $140K and above w/ 5 YOE in operations, program management, client delivery? Worked in NGO for 3 years then consulting for 2 years.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

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?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

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. 

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.