Thoughts on putting a larger down payment down on a primary home in order to get my monthly costs to a very favorable number, knowing the opportunity cost of taking that money out of the market? The amount I would put down would be about 20% of my liquid net worth.

I’m clueless about 401ks. If I go to a new job does all that money I put into my 401k transfer with me? I’ve heard both yes and no so I am confused

Best book you've read recently on personal finance?

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

Which demat accounts can a Citi employee hold ?
Is only Kotak securities allowed ? Are there any exceptions ?

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

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

I have two mortgages, one at 3% and one at 4.25%. Is there any benefit to paying either of them slightly higher than the minimum payment requirement (ie, maybe like $200/month more)? Additional factors to consider, my HYSA currently yields 3% and I am looking to buy another property in about 2 years and would prefer to not sell the either of the two properties currently on mortgage.

Market sell off - You buying or selling into the weakness?

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 motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Does anyone think there is long-term viability in Cryptos?

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Am i able to sell commercial insurance while working in IT? I’m in industry no longer consulting but want to get my property and casualty license. Thoughts?

If I’m just beginning to invest outside of my retirement accounts, should I invest in a Vanguard ETF (VOO)?

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

Long shot....but anyone here ever went to Israel and use the credits to apply for the CPA exam? If it got transferred over to my regular college transcript, do I still need to send in both?

Does your district hold back primary students? If not, do you think they should and if it would be beneficial? My district won't hold kids back until 3rd grade, which I think by then is too late.

Hey guys,
What is the scope for technical writers in Kerala? Are there any MNCs hiring? If so what sort of compensation can we expect?

I’m a first year associate in an area of practice I really like. People at my firm are nice, but I’m not challenged. I’m thinking of finding new opportunities since my salary is below market, firm policies are unclear and I’m not challenged. Any advice on finding new positions while I’m so junior?

What should I expect during my call with Deloitte’s recruitment advisor? I received a verbal offer last week, and a meeting invite this week with the advisor. Is this typically where salary and signing bonus are negotiated? If so, can anyone share insights into the typical base range for experienced hires going into Consultant positions (2yrs experience w/ undergrad)?

Any feedback or input on EY digital and emerging tech practice esp around mulesoft ?

Bonjour à tous, quel est le salaire pour un manager chez Bain Paris - FS ? Merci

Any law students have tips on meal planning? I don’t eat until super late at night after work & class (10pm) it’s hard to consistently find time to prep meals on the wkend bc it cuts into study time.

Is it common for commercial real estate companies to transfer commercial realtors from canada to US?

Every job application rejection is one job application closer to finding a job.

Anyone here make a huge career change in their late 20s or 30s? Thinking of making one and wanted to hear your stories.

Seems that the vaccine that usually takes more than 10 years to develop, test for side effects and go through the regulation process is being very fast tracked to roll out - which is a super great thing to potentially eradicate the virus. on the other side of the spectrum, people with life sciences n healthcare insights, how reliable and safe would you say vaccine (being fast tracked) is...?

Praying no one brings up the election in our team meeting today.

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Can someone please help me know what is this "gift perk" the comes under the head "Adhoc income" when you see the IT statement(under new payroll) ? This adds up to my yearly Income but I don't see that in my salary slip.

Just moved from US to USI, do you guys know the preferred banker for Deloitte in India? I need to open a bank account but not sure which bank to pick

Is Infosys has some policy of 70% in 12th and graduation for experiance candidate also?

ZS hiring for multiple roles... DM in case of any referrals!

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Has anyone here used New Western to buy real estate deals?

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

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

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. 

Best way to start wholesaling real estate?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

Can I get a commercial loan without 25% down?

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

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”.

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?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

Does it make sense to refinance now? Current rate is 3.62, bought in 2019. About 480k left on loan. Need some suggestions.