What is right mortgage rate strategy for first time homebuyer - 2.6% with 1.5k lender credit or 2.5 with 1.8k points fee fee. I am leaning towards 2.5 with assumption that I will be able to refinance in future with 2.4 when rates go down further. What would be your choice

Looking to buy a property and not up on my realtor etiquette strategy. One realtor is a friend that would give me a good rate, but the other really knows the ins and outs of the area I’m interested in

Anyone have any area recommendations for buying a house in Houston but have regular commutes downtown? 300k max but would like a house (not a townhome/apartment).

Game time: what was you best stock today in percentage terms. Answer in the comments.

favorite recipes for salad dressing ? bonus points if it used balsamic vinegar.

Hot take. Cut all welfare programs. Take the budget from the programs and give them as monthly cash transfers for All US citizens (with minor tweaks depending on number of dependents). Benefit paid out would be higher than the existing programs as we cut administrative costs and don't have to spend anything on figuring out who qualifies. If it bothers you that rich people would get this, then raise income tax on the highest bracket by 1%.

Long term picks to get invested in Meta?

Crypto just took a hit in last 30min...don’t mind throwing some money at LTC if not invested already at current levels

I have so many things that I want in a house. Open layout, high ceiling, nice view from the backyard, prestigious neighborhood… one thing that I surprised myself with is that I want a house in a prestigious neighborhood, even though what I can afford is the entry-point price in this neighborhood. Am I being irrational?

Is it possible to live off 12k/year?

Ally or Marcus? What’s best for HYSA?

Newbie to financial literacy. Seeking help! Should I take out line of credit from my house to payoff credit card debt? About 15k.

The BEARs have come out of hibernation!! It’s time! Hope you all learned how to make money in a bear market!

What HYSA are y’all using ? I need to get out of HM Bradley so need to hear y’all experience with other accounts

Deloitte 401K match - when does it happen and what duration does it cover? Reason I ask is because I think it happens 7/1/22 and I am contemplating if I should hit all the $20,500 of my max contribution by end of June so I don’t need to wait for 2023 to get the match for Jan-June 2022, should I decide to leave before then. Thoughts?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Thoughts on secondary market shares for Palantir? I know this is a forum mainly dedicated to public companies but I have an opportunity to buy at a discount from the $20B valuation

Are any of you day trading cryptos? I’m starting to see a distinct pattern with domestic pops in new coins and overnight rises from overseas markets

Hello everyone! I am an analyst at a PE firm wanting to move to Sales (particularly in tech). I have been working in the TMT sector in finance for 8 months and I am looking to vecome more knowledgeable in this new sector (tech sales). Does anyone have any advice regarding jon opportunities /best companies / any other relevant info? Thanks!
P.s - I am spanish an would prefer to work in Spain, although i wouldn't mind travelling if the opportunity is lucrative!

Hi everyone, I need your advice! I recently declined a return offer from an internship but then found a role that I'm more interested in at the same company. How should I navigate this?

Anybody work for Ensemble Health Partners? Transitioning to their company next month due to outsourcing and would like to hear real employees perspective of the company

Even if you have ZERO interest in the job, anyone else apply for open jobs on LinkedIn for which you know 100% you're immensely qualified/even overqualified—that is, the place would frankly be lucky to have someone of your experience/portfolio/reputation—all just for one reason: to see if you even get a f$@!*ng response? Or if yet again, you won't get through the ATS robo-gatekeeper?

I need a job so bad. First time being laid off somehow and freaking tf out. I'm an incredibly hard worker and can work in any medium. Auto, tech, entertainment and telecom experience. A bit of food as well. Can someone please hire me? Please??? 😪🙏

Relationship is going pretty well apart from my partner being pretty unhealthy… I like to eat clean in general but she doesn’t like veggies and I’m a little fearful for our future family if she’s just encouraging them to “eat what you feel like” is there anyway to help change this behaviour? Any suggestions? It’s not like I never go eat fast food or what not, just that our frequency of consuming desserts has increased exponentially after we started dating and she doesn’t exercise either

What is Littler’s pay scale for second and third years?

Any S1s (2 YOE) willing to share their salary and office?

Dear All,
I'm looking for job opportunity as system administrator. I'm any opportunity please let me know. Thankyou
YOE: 6.5

For those who lived in SF and/or NY before, do you have a preference? NY is great for finance opportunities but heard it's super cut throat. SF is great for tech opportunities and it seems more likely for females to find a relationship here compared to NY because more males than females here. Just by looking online, both places are comparable for rent and are small in apartment sizes. I applied to both finance companies and tech companies doing finance and can't decide what location is better

How has the Uber/Lyft situation been recently?

Wife is looking for a job in healthcare in Chicago. Prefer hospital admin or consulting with no-little travel. Any suggestions? Anyone willing to recommend?

Is anyone else getting blown up with calls/emails/linkedin messages about a market research company looking to understand tax services? They are offering $300. If anyone has responded to them, I'd be interested in knowing if it is legit.

Let's make this bowl a safe place for us to give our honest feedback about a company without it being edited or buried.

To make it easier to search: create a post for the company you want to review, adding your pros and cons!

Netflix

Pros: ?

Cons:
- culture deck is something else: if they think they can do better than you, they will just let you go

- they think they’re the Yankees: if you’re batting.385, but they think there is someone out there who can bat .400, you’re going to get fired

- they will openly discuss at a meeting why you suck

- Reed Hastings' leadership style was once described as being "unencumbered by emotion". A VP once told him he's not a good listener and tends to be unempathetic.

Does anyone know what kind of questions are asked in the coding round at Mashreq bank for Data Scientist role?

What's the salary of an assistant manager in ESG Advisory?

How do I get a side hustle?

Oil plunging! How low will it go??? WTI crude currently down to $30.50. Down 26% today!

22 year old new to consulting/retirement planning. What is your target retirement $ amount? How much of that is saved for healthcare.

Stock mutual fund recommendations for 2021???

Any thoughts on Hedgeable?

How much money should I aim to have left over after saving up for a down payment and closing expenses on an 800K home.

What has been your best investment and worst investment?

Does anyone have any links to essay-to-understand explanations of back door IRAs? I think this is something I should be doing but I honestly have no idea where to begin…

Any independence issues for EY employee to use Betterment High-yield savings account?

Any good recommendations for HYSA in NA. I’m a fresh college grad, finally budgeted and need realized I need a proper account to save an emergency fund. The rest are in 401k and investments. Thanks in advance!!

Risk averse investor here. My investing consists of buying shares of the S&P index fund (VOO). I tend to stay away from individual stocks due to lack of knowledge and time. Is it smart to start looking into individual stocks to build my portfolio? I still plan on putting money into VOO, however, should I also look for ways to grow money quicker?

Why are energy ETFs (like VDE and FENY) so low? Possible opportunity?

Paying off loans, ALWAYS highest interest first? Loan 1 $16,000 @ 6.1% = $976, loan 2 $8,000 @ 7.1% = $568. I can apply overpayment to specific loans and the Internet says always highest interest...

Need a pretty substantial loan currently ($50k+) to pay for immigration lawyer fees for the family (very complicated immigration stuff unfortunately). Could anyway direct a reliable lending agency? Googling online and seems like there are websites that find rates for me. Is there a better way to do this? I have great credit score (750+) and currently have a green card though not citizenship.

Just passed 100k net worth at 25. I know it’s not anything crazy but wanted to share a little milestone. I am a renter so no home equity involved.

Do you guys tip on to go orders ?

I got offered by my financial advisor to enter a closed private equity fund that has the objective (not guarantee) to 2x the capital in 10 years. That would mean a consistent 7.2% p.a. though I won't be able to sell, which is not a problem.

Do you think it's worth it?

I use this financial advisor because he's a family friend and I pay close to no fee and it was a nice way of getting into investing.

Anyone following AVYA? Part meme, with bankruptcy risk but feels like enough in works for a turnaround. New CEO, plan to service 2023 debt obligations, sticky enterprise customer base. ~$3B in 2021 Revenue, with $100M MC (down 96% since mid 2021 ATH).

Economy is shit though — would love to hear opinions from TMT experts or other smart folks here.