Who is offering HELOC on second home with occasional Abnb rentals done.

Some.banks immediately turn this into an investment property and deny that.

Don't want to cash out refinance as underlying mortgage is <3% and fees plus new cost to carry are not worth it.

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!

With all used vehicles so inflated, Does it make more sense to buy new? I need a car and have a budget of 15 to 20k. Which car would you get and why? No family, single, don't drive much. I like the lexus IS, Camry, etc.

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

Hi ,filling onboarding information. What is NPR in nominee information and what is emp pension scheme details . Where to find out

Best long term investment strategy against inflation to get to a large nest in for retirement?

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

I did a buy/move/sale and for the 🏠 i bought I only put 16% and got a 2.875 rate with PMI. The plan was to pay the additional 4% after selling my prior home and get rid of pmi. I looked at refinance

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

My base location is SAn Francisco, but I have not lived a single day in California this year (not planning on being there this year either). Am I eligible to get a refund on all my California taxes this year?

What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Can someone explain the mega Backdoor process in terms of transferring after tax funds to Roth IRA? My 401k is with fidelity, do i need to have Roth IRA with them or can I transfer to Vanguard Roth?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

Anyone who sends some money monthly to their parents in India? If so, how much $/month. I send $2.5K each month but trying to figure out if there are better way to invest that sum here in the US than just to put that money in a Fixed Deposit in India.

Can’t find the bowl for this but quick question -
What are some credit cards like the Apple Card that don’t have any physical numbers on them?

I like the Apple Card and considering opening one but want to see if there are better alternatives. It’s enticing that if I lose my card, I can instantly change the number so someone can’t use it. Plus no numbers means someone can’t randomly make a large fraudulent purchase.

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

What is the most you've invested into a single stock?

What is the biggest loss you've endured?

Off topic - please suggest gift ideas to carry to India from UK?

Need a genuine review of scaler msdl course. Is it worth the cost of 3L?

Visiting New York next week and have a reservation at the sushi counter for lunch at Nakasawa. How rude will it be if I started working at the counter? I’m doing everything in my power to close a deal the day before but it ain’t looking good…
Normally, I wouldn’t have issues working in a restaurant, but I feel like in this setting it may be really disrespectful the chef.
And yes, I only want to eat at the sushi counter for a full omakase experience.

I used to like Christmas carols. Retail fixed that for me. WHY do they start earlier every year?

For what reasons are you doing IVF?

Any Group Life & Disability Underwriters out there? Wondering what the salary range is for those with 5-10 years experience in the US. In your response could you please include what segment size you work with?

Any systems Analyst or data engineers here that are open to have a quick private chat? (No, is not for referrals)

As someone with ADHD, have you ever asked for adjustments to the interview process (PST, case interview, etc.)?

If so, what did you ask for (extra time, or anything else else)? and did you feel like it helped?

Have you guys ever suspected someone on your team was involved with insider trading? Or do you just mind your own business 😅

Hello. Need some advice on the salary range I should be seeking for a Student Recruiter position at a non-profit in nyc. I have 3.5 years of experience mainly in project management. Is 75K too high?

Is anyone willing to consider hiring a content strategist/copywriter/CX expert? I'm desperate to leave a job that ended up being a bait and switch.

Trying to laterally move to another in house position. At my current company, Counsel is a Manager level position while Senior Counsel is a Director level and General Counsel is Senior Director. Would like to find if Counsel is a Director role at other companies.

Any recommendations for Sleep trackers? Looking at Oura Ring, Fitbit, etc. I care more about sleep features than daily activity.

Stimulants and sweating! I’m going back to the office and never used them while in the office, I don’t want to look or be sweaty haha any advice? I also don’t want to look weird drinking 6L of water as I do in person

Can anyone refer me for Accenture strategy management consultant role ?

To the post below- it is quiet, so I’ll bite!
Does anyone know about associate compensation at the regional Atlantic Canada firms? The the big ones have all been posting job ads for associates in the 3-5 year range. Any insight on salary and billable targets?

I’m new on the job search and still employed. I’m looking to grow further in the logistics industry. While I look for work, it’s a bit discouraging seeing how hundreds of people apply for positions I see on LinkedIn. I still apply because you never know and AI plays a huge effect in selections. Should I even bother applying when there are more than 100 applications?

Mortgage rates jumped in the last couple of weeks to 6.28% because of inflation data, as well as the fed increasing rates by 75bps. If the fed sticks to their plans (Jul rate inc if 50bps/75bps; followed by 3 inc of 50 bps), will rates continue to range between 5.75-7%?

A recession is already here. Inflation is still high, although hope hopefully peaking. Realistically I don’t see the fed dropping rates until 2024-2025. What will it take for the fed to reverse course and decrease rates?

Under current circumstances, fixed rate or adjustable mortgage rate?

How many quotes have you gotten for interest rates and overall costs?

As the interest rates continue to rattle the market, how have they affected your personal situation?

What will interest rates be come December?

If you were playing in buying a home, are you still going through with it or no longer in the market?

Looks like interest rates have stabilized. What, if anything, could cause them to start increasing again?

After todays announcement of a fed rate hike of 75 bps, Mortgage rates over the next couple of months will likely remain within 0.25% to 0.50% of todays range. Unless the fed throws a curve ball in their remaining meetings, the remainder of rate hikes have already been baked into mortgage rates currently being offered.

Purchase a new build recently? How long is the estimated construction timeline?

If both are priced relatively similar, which would you choose: new construction or existing home?

Based on the current environment, if interest rates rise to what percentage, will you forgo buying a house for now?

What interest rate have you been quoted as of late?

For anyone that has used Lennar’s in house lender, Lennar mortgage, how do their rates compare against competitors?

Whom would you opt for, Builders lender or traditional lender for new construction?

Is 560K for a 3 bedroom low ranch in Ronkonkoma, long island a good deal right now?