Which rate, fee and payment combo would you choose and why?

1. 6.75% APR, $1k points, $3,849 P&I
2. 7.03% APR, -$2,763 credit, $3,949 P&I
3. 7.28% APR, -$7,272 credit, $4,050 P&I

Im leaning towards 3, as I assume I'll be able to refinance in 18-24 months to a decently lower rate, but the $200 difference would take nearly 4 years to break even. Could use that cash now for furnishing and some upgrades.

Gonna help my 16 year old sister get a Roth IRA and learn from my mistakes of not starting early... Should we park it in a target date fund or index fund (VTWAX or the like) ?

Alright QOTD: How are you paying back your loans? PSLF or working for Private Firms and Paying your loans back yourself? Which choice do you think is better. I have 5 years left of PSLF and I cannot wait for the day that this loan is gone.

If I have a six year old and 150k in a 529, can I say I’m done?

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

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

Bought some ETH on Coinbase and don’t see the transaction at all , no email either ...what’s the deal?

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

What is the best crypto app for accruing crypto interest, that is not BlockFi?

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

My DashPass via my CSP is expiring at end of the month. Does anyone know if I can get another year of it by adding another eligible Chase card on the same account??

Looking for ETL testing role. Can join in one month. Preferred location is pune. Total exp - 7.3 yrs Skills- Informatica, SQL, Unix Any referrals please suggest.

Anyone hiring SVP copywriters in Chicago?

How much would you expect a AD of forecasting at big pharma to make? Glassdoor says 161 average but that feels low to me.

Lunchtime power naps, my fav foods and drinks, having the TV on the background— I like working from home and don’t know if I could go back... 😶

Any firms/companies hiring in their privacy group? Looking for fully remote or TX

Any Boston AE/SAE jobs available?

Does anyone have a good psychologist/counselor recommendation in NYC? One that accepts United and doesn’t charge $130 “for the first six sessions”? I just want someone I can pay $35 weekly.

Just got offered to join potential project that would relocate me to LA for 3-4 months for onsite work. Their office is downtown, I’m single, 29 have the flexibility in lifestyle for this kind of move. Is it worth coming to LA rn? There are obvious Covid risks, but anything else I should consider when looking at this move? Thank you

Happy Monday afternoon to everyone except to those recruiters who ghost job seekers 👻

What’s the most valuable supply chain skill at the moment, and why? Trying to decide on an investment strategy and welcome input

Anyone with type 2 diabetes while on the road each week? What works for you and how do you keep your blood sugar levels in control? How do you monitor your levels?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

We are so close. Final stretch. Let’s go 🔥

I thought that the occasional visits from the recently divorced single mother that moved in down the hall was the best thing that ever happened to me. I was wrong, getting that mouse jiggler is the best thing that ever happened to me.

Dear folks,

Did anybody join Virtusa recently in Level-2 designation in JPMC?

Can you let me know if they have provided any laptop? And also what kind of experience are you having while working in JPMC? Is it good?

How does someone like Elon Musk can go on to do so much while I can barely get out of my bed, keep my job and have the will to live?

Favorite sushi in NYC?

Hi,
what will be the inhand salary after TDS deduction for 16.5 LPA.

No investments nothing.

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. 

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Any Property Management recs in Seattle area? :(

How can I invest in real estate ? Looking for an additional passive income source

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!

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

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Hi - any good books recommendations for getting started on real estate investing?

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

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

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.