With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

For all you major savers + investors, how would you suggest to get started investing in assets other than a 401K and ROTH IRA?

Has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

Every other post on this bowl:
“Should I Roth my 401k or would it be better to backdoor into an FSA retirement fund? I have a net worth of $1M btw. None inherited it’s all from two years working Door Dash in Wichita Falls.”

NJ Personal Income tax question:
My wife and I file a joint return. We were part time residents in 2020z unfortunately, we both filed our joint tax return. My wife sent via paper and I sent electronically. Any idea what happens now? Can't get ahold of anyone.
To make matters worse - NJ doesn't have a paper part time resident return - so you file a resident and non resident separately. Ours net to a refund but the resident one shows a large amount due and the non resident shows a large cont...

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

Any good books / courses on futures trading?

Hi do you interview from time to time just to check what’s your market worth?

Poll - share your investment portfolio in your taxable account. Wanted to see different ideas. I’ll start - 25% FXAIX 25% FNCMX 25% FSPGX 25% FBRGX.

Good idea to buy some more AAPL right now?

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

What is the best way to cope with random bystanders teasing you on the street?

Is there any industry recognition for poc creatives the way adage and others recognize creatives?

Ladies do you ever take a sick day when your cramps are unbearable ? If so, how do you go about it?

What is the back of an envelope kind of estimation of a drug’s market share considering there’s one in market already?

Golf talk. I know I have to try them out in person, but any suggestions for a intermediate set of women’s golf irons?

How much a consultant salary is in Capgemini with 5 years of experience. @

Hi Fishes, is it possible to re-negotiate the offer which I have from Accenture with a counter offer that too when only few days are left for joining?

How would you rank CHWTIA?

My ranking:

1. Accenture
2. IBM
3. TCS
4. HCL
5. Wipro
6. Cognizant

What would be your ranking?

I was in the Navy for 14 years, and I think military help could be extremely useful here. We can use them to set up testing sites, help with logistics, and relieve hospital burden

Is freelancing paid media or social media lucrative in Toronto? Looking to make the jump to that

How is Wunderman Thompson ATL for a creative?

I feel like when I’m busy with work, I don’t even want to reply to attractive guys. Is this normal?

Hi fishes, need your suggestion.
I have 2 offers from accenture and marsh mclennon of 12 lpa each. My current company kpmg is offering me 10 if i retain my self. Current package is 7 only.
Having 5 years of exp

Please suggest.

What is a normal comp package for Google level 6 Cloud partner services?

A game of Among Us, but the imposter is one of your clients.

Interviewing with Uber... any tips on taking the analytics test ?

Can someone create a bowl for afghan politics please?

Making the move from personal injury defense to family law/ TE. Any advice to help with the transition? I’m a 3rd year.

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

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.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

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

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

In my market, you have to waive financing and mortgage contingency to even be considered. Annoyed this is now common practice. 😞

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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

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?

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?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

How much is 2k a month for a house payment? What size loan would I be able to get?

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

Hi! European here who moved to New York and trying to buy a condo apt. Any tips on the mortgage process, any good providers here with good rates and no crazy costs? Condo is $450K and putting $200K down if helpful

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ