Wife and I make ~$500k per year. We have 1 baby and childcare is expected to be ~$2k per month. Looking at houses in the $1.5m range for our area. I’ve run the numbers and we can afford, but it’s still such a big purchase/monthly payment at these rates. I’d be curious to hear from others in here that are in the same boat. For further context, $1.5 is the new baseline in this area. Cheaper housing is not in even the slightest deisreable area.

Is it just me or does anyone else know or have an inclination that their employer committed fraud after receiving PPP loans during COVID pandemic?

Who does your taxes? Need a recommend. Thanks.

Ally bank dropping rates again. CD a good choice?

Hey people! Curios, what was your first splurge purchase with your big law money. (Assuming you have student loans, mortgage/rent etc.)

In your opinion which is the best target fund to choose in IRA Roth?

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

Moving to Philly next year, making ~90k before tax. Would like to hear some opinions on how much I should spend on rent. (For context I do not have student loans and would also like to lease a car)

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

The worse the news get the higher the stock market goes... it’ll reach all times highs when we’re all unemployed and Jeff Bezos and a few of his buddies are the only one trading

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

BDO recruiter reached out for an audit senior position in the DC area. Recommended or not? And why? Insights appreciated!!

Hi
Does LTI enforce bond for 2 years ? When I read the offer letter I can see some statement related to bond .
Can anyone clarify ?

Does anyone work at Airgas or have experience with this company (not available on Fishbowl)?

Is Caribou Coffee on Monday morning worth it? Line is usually 40 people deep in terminal B.

Anyone know of a sort of speeddating site for London creatives looking for a partner? Kinda sick of seeing most job alerts going up as "looking for creative team".

For the foodies out there, post pics of your creations during quarantine! :)

For those of you without a home office: Where do you usually work? My desk is in my bedroom and I’m considering sacrificing aesthetic to move my set up elsewhere

Hello EXL Professionals,

If I resign from EXL in mid of Dec 22. Will I still be getting the Annual Bonus (for 2022) which will be paid in March 23 and is some percentage of fixed CTC.

At what point is too much prep?? I think reading about how grueling the Amazon interview process is has sent me into a spiral lol. Interview is tomorrow and can someone just tell me it really isn’t as bad as everyone says it is??! 😂😭

How much @continental can offer for 9 yrs experience?

So I used to work for a company where my job was good, was a director of business solutions for a fashion brand. Only issue was that the CFO micromanaged and ended up leaving. My background is digital transformation however I took an infrastructure position to rebuild a provincial healthcare system. I always lacked the hardware side and thought this was a good move but I feel like I’m losing my digital skills and don’t enjoy the work. I’m in it for 7 months now.

I’m interested in investing in a pair of cycling shoes that clip in for studio classes - any reviews of Tiem brand?

Anyone know pricing analyst salary at Amex Canada??

I absolutely HATE third party recruiters. They continuously waste my time, always slice my rate in half, and have never have solidified a project for me — PLEASE GO AWAY!

ahhhh.. I feel better now 💆🏻‍♂️

Hey all. Just had a question for any insurance underwriters who work in the states. I am moving down there at some point and I would like to know.. What is the insurance landscape like compared to canada? Anyone working in new York state? Is there a lot more red tape? What is the pace of work like? If anyone is willing to have a phone call that would be greatly appreciated. I am in environmental.

OC has an issue with a financing term that deal teams worked out. Is it unethical to ask deal teams to discuss these terms and instruct us how to proceed? These seems to be business term where counsel can’t work out the differences, without business agreeing.

Guys, how much hike we can generally expect in Altimetrik.

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

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

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Anyone take the WI Real Estate state exam? Any tips on what to study?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

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?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

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.