We're closing a new construction house and shopping for a loan. We have 2 options. Curious to know what would you do?

Opt1: Rate 7.5% with no points buy down. Closing cost 9k (after $25k seller credits)

Opt 2: Rate 6.99% with 12K point cost. Closing cost 21k (including points and $25k credits).

i know the math is if we decide to go with 7.5%, we need to refi within ~33 mos to a rate that's lower than 6.99%. that's assuming the rate will go down. but i'm unclear how much the refi would cost.

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Whats’s the ideal CV length for UK mid-level roles (4-5 YoE) to engage recruiters?

Is 1 page containing punchy & concise XYZ points preferred in the UK over 2 pages inc. a bit more details of projects/ tasks?

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

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

Aside from the normal baby registry stuff, what are the best financial gifts people can give? For example: savings bond. Can you open a brokerage account to add to? What are some cool smart things you’ve seen or done?

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

Is this legal? My spouses company just decided to change their comp structure for account managers. It was base + comm, now it’s commission only but nothing changed, OT commission is the same, didn’t get more points, just took away the base pay and said work harder basically. So now they have to worker harder to get $50k they were already making. (Not a decision based on employee performance, they’ve been crushing it. I think the company is just trying to save money they overspent else where)

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

What’s a good credit card to get with great intro offer and points valuation? Already have Chase Sapphire. Have an upcoming large expense < 4k. no points guy page link pleass

Seeing it firsthand. Book net income: $5,000. PPP Loan forgiveness: $1,500,000. Owners distributions: $1,500,000.

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

What are 72 and sunny and droga benefits? Looking for details on 401k like vesting periods, matching etc.

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

Recommendation for a CPA/ financial advisor in NY? Have oversea assets and investment property in the States. Can't seem to find anyone legit on Yelp:(

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Considering accepting a fully remote role and living in different cities for 6+ months at a time. Anyone else do this and have experiences to share?

Any T2 or B4 firms allow remote work? Or at least be placed in a locale outside of home office?

If so please dm - am looking.

What’s it like working at Spark?

Hello all!

Any thoughts on interview process, compensation, culture etc. at ADQ in Abu Dhabi?

All feedback would be helpful!

Thanks :)

Where my arabs at

Let’s do another ASL 32FChi

Hey all!
Any insights you can share on work simulation assessment for PgM?

Thanks

Getting ready to apply for a role at KPMG. Any tips/suggestions?

Anyone here know anything about Unify Consulting? They reached about looking for senior roles to build their National Healthcare and Life Science vertical.

Hi Fishes, How long does it take to finish the BGV at Amex? Do they call or email for any information? My DOJ is next week and has heard nothing from them yet.

Please suggest what to do.

What is the process involved in Onboarding? Have not received a laptop either.

@American Express

I’m feeling really discouraged. I’m in the merrill lynch fa program and I’m prospecting a lot and going to tons of high end networking events. I have good convos but then struggle to get meetings...

Did anyone complete NNN?

Hi All,

Anyone who got retained recently in LTI, please let me know, need some help.

Got pushed into the manager role after a few of my superiors quit and I’m really struggling to fit into a leadership role. Any tips to help me adapt/grow into this position?

Is getting the FRM (Financial Risk Manager) Certification worth it? I could see it opening many doors but should I just shoot for my MBA instead? Have about 3 YOE

Let's talk salary.

I'm up for a raise soon and I'm at 43,000 a year. Anyone have any advice on what I should ask for?

Hi! I’m scheduling a screening phone interview for a senior marketing manager position and I’m wondering what my salary expectations should be? 6 years experience & nyc based. Any insight here would be greatly appreciated.

Thank you!

I have 2 offers one from ZS 8lpa + bonus + food wifi +elrp+ gradutiy and pf = 11.5 lpa

Other from LTI 10.7fixed+ annual bonus+ graduity + pf = 12 lpa

ZS is convenient travelling wize LTI is little far.
Which one should I choose

what do you charge for weekend and overtime work?

We did a booth at a Women's Health Fair. We do 1-2 events like this a year. They are exhausting and it's hard to judge whether they are successful. What are your thoughts?

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.

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

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

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 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?

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.

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!

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

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...)?

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!

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

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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?

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?

Any one knows what’s the easiest way to order a radon test for new construction?

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

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.