What do you think is better financially?
We just bought a house almost entirely financed by our families in cash (no mortgage). We owe them $150,000 and they want to be paid back in 2 years. I'm able to do this but would need to stop saving pretty much all of my money (besides 401 k).
Would it have been better if I took out a mortgage and then would be able to save pretty much what I save now but would have to pay interest or is better to put little money in savings for 2 years and pay them back

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Any metaverse coins I should be looking at? What’s the next big thing? Have a few grand to gamble away.

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Obligatory financial info post. 1) size of firm, 2) billable requirements, 3) salary, 4) bonus, 5) quality of life, 6) debt, and and 7) family/married/single. Go!

Does anyone have a travel credit card they recommend? Any thoughts on Capital one Venture ?
Capital One recently shared with me that I am eligible to upgrade from my Quicksilver card.

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

Question about solo/self-employed 401ks: If I create a sole-member LLC for a side business and create a solo/self-employed 401k, am I only allowed to make contributions from the earnings earned via the LLC? Or am I allowed to contribute money earned from a different source (ie W-2 job).

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Why is there a culture of young realtors only? As a 40 year old realtor, I am far from retiring! As long as properties exist, I'll be here

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

What's the deal with Droga Dublin? Is this Rothco's third new name?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Little worries here guys - not able to transfer to Bittrex. Tried from Polo and Jaxx (cold storage). Transaction looked like it was going thru from Jaxx then seemed like it failed. ETH appeared back in Jaxx account and no changes to trans history...thoughts?

How useful is sponsorship as a negotiating lever for full-time roles? I realistically do not see myself going back to consulting after B school. I have to stay for 3-4 more months to keep my sponsorship but starting to seriously consider quitting ASAP

Is it advisable to hand in your notice prior to background checks being completed? If not surely when they approach my current employer they’ll know, or are they discreet?

We were not trying to conceive. And I was drinking alcohol like twice a week.
Now I missed my period and pregnant. I am panicking a lot, not sure if I want a baby right now. Definitely i cant deal with pregnancy constantly knowing how much u drinking could have affected the fetus and if i could ever endure the consequences it would bring upon the baby
Help me understand if my baby will be fine or not.

Has anyone used Calendly to help track the dozens of interactions and calls with recruiters and agencies? I am either spending hours on the phone scheduling or being ghosted even if I reply within the day I receive the job description and invitation to talk.

My skills are under the umbrella of risk management, business analyst, business systems analyst or risk analyst… there seems to be high demand and I’m looking to stay organized and set myself apart by making it easy to schedule time.

Anyone have advice on getting your foot in the door at Google or Meta for a Sales Role? I’ve only got 3.5 years of experience but have achieved Presidents Club and have had success at 2 “blue chip” organizations.

Hey, I have been tasked with teaching some of my coworkers excel from the very basics to more advanced. Does anyone have recommendations on the skills to teach them about? Thank you all in advance!

Hi all,

ive received offer from UK based company. My wife is a teacher. How easy/difficult is to get a Teaching job over there?? Any exams/training she has to complete to become an eligible candidate??

Please share your thoughts

Hi folks, could you update me on how are the firms in UK handling the uk economy and the upcoming recession? Have they already stopped hiring, delayed appraisals?

Anyone do a duvine bike tour?

Anyone can refer me to the senior tax consultant position - Deloitte?

Deloitte ITS in NYC seems to be hiring. What is work mix like (planning vs compliance)? Office culture?

Who else gets anxiety checking their score released today?

Anyone who has started up a side hustle whilst working in consulting - is it generally a good idea to let your employer know or will they make your life difficult/try to push you out if they know?

(Context - I need the extra income to have a shot at affording grad school, I work for a small boutique, job contract was ambiguous on the issue. Side hustle is selling stuff I make as a hobby on Amazon)

Thanks!

Has anybody moved into Pharmaceutical Marketing from Consumer Marketing? Thinking about it as a potential career decision. Understand the biggest challenge in my market is the inability to market to consumers.

How did you choose this area of law? How do you know when it's time to move to a different one?

What can I expect in the oracle welcome kit?

Any recommendations on a good water softener system (4 people)?

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

What is the most difficult part of buying a home for the first time?

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

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?

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

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

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

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?

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

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?

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. Also, any regrets?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

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

I'd like to buy, but the market is absolutely atrocious currently

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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?