Unsure of what to do. Received multiple quotes for Home Equity Loans at or around 9%. Need to finish my attic. Looking to take out around $70k (owe $297k on my $700k house). Do I keep looking? Is this just what’s out there? Base income not including bonus or 10% 401k match is $185k. Current mortgage is at 5.5% and pay $2500/m.

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

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.

What percentage of your income do you save, invest and spend?

When you stake ETH on Kraken how long is it tied up for? Right now it says I can’t unstake it.

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

Roth vs Traditional 401k, thoughts?

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

How do you ask for points?

How much have you saved from refinancing your student loan?

Trying to figure out my net worth hope you guys can provide some insight. Do you include their home value into their net worth? Do you subtract the value of the home and what you owe on the mortgage?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Which stocks have you invested recently and why?

Financial literate people of the bowl, in your opinion, what should be your net worth to buy a Rs 10 lakh car?

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

Guys, what platform do you use to trade US stock?

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

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.

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

Is there any job in bank Or NBFC
I have 3 years experience as a quality analyst for personal loan cases (PS : it's not a sales experience)

Creatives who left for tech. What is it exactly that you do now? Is it still writing or art directing? Or a different creative role? Hearing about people leaving for tech so I want to know what it means exactly aside from the benefits.

Anyone from GDS FAAS TEAM ???

I know this doesn’t count as an interview, but overall professional advice needed:
Any tips on asking for better severance pay?

Graduating Ph.D. program 2021, received offer from tiny boutique for 140TC+random small boutique benefits. Would be better commute, non metro area closer to home. Waiting to hear back from well known life science boutique (think ZS, Clearview, Putnam). Offer would be for NYC office, would likely relocate.

If offer is given, a) at what $ is this worth and b) is brand everything for first firm out of school?

Also would the life science boutiques reasonably pay more than that?

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!

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Hello everyone. I am looking to transition into the medical writing field, but I don’t seem to have the right type of experience. I have technical writing experience, but I don’t have experience with clinical studies or clinical trials. Does anyone have any advice on how I can gain more experience in this field? I am pursuing the AMWA Essential Skills certificate and am working on a master degree, but any other information would be greatly appreciated!

Hey everyone, Can anyone help me out with a referral to McKinsey. Interested in applying for knowledge analyst, supply chain role that looks like a good fit.

1+ #YOE as an analyst in Procurement and purchasing

Any fish willing to assist with a Cap1 referral?

Look for ACN referrals. I am in Italy

6 in. LED recess lights or 4 in. ?? Feel like 6in looks commercial. This is for a living room

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

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.

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

Any Property Management recs in Seattle area? :(

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

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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

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

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?

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

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

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?

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.