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

Best HYSA with a good account opening bonus?

$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?

Another newb here, what links do you 🐠's have to give me the run down on important things I need to know about crypto and starting to invest? I just saw the documentary on Netflix and am all for taking out the old model corrupt banks and rid of classic cronyism ...

Anyone here with a negative net worth (excluding 401k) in their 30s? Or am I an outlier?

I feel like an idiot. For the past 3 years (26yo now) I have been electing the traditional 401k instead of Roth. I get 25% taken out pretax each paycheck. Given that I’m more likely to have a higher salary (currently 100k now) and therefore be in a higher tax bracket by the time I retire, shouldn’t I have elected Roth this entire time? 😩

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Is it possible to be a “silent” investor (party A) with a friend who’s an accredited investor (party B)investing in a company? So if B is investing $50k in a company, and A wants to give B $25k of that investment, is this possible with an agreement between A and B, where they’re responsible for their own portion of taxes?

Ways to rack up cc points/miles while buying a home?

Hi everyone

Is there any disadvantage if I get relieve on Friday compared to on Monday?

What I am thinking is I will be loss pay for sat and Sunday?

Actually my last is 27th
I asked for a week early relieving so thinking about this.

Thanks.

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

I recently received an offer for 200k€ in Amsterdam. Includes travel, 30% ruling, holiday pay.

Any idea if that is enough to cover a mortgage on a flat within biking distance from the city center without over spending on housing?

(3 small kids and a non-working partner)

In a perfect world how much would you want to make a year to both pay off your loans and live a good life? I think I'd need to make upwards of $200k to pay off my loans, take care of my family and live a fulfilling life.

Hi fishes,

One different question 😅,
Is it possible to live in metro cities with 95k / month of salary (no debt / emi to pay)
For a couple without kids and parents?

Any thoughts on buying the PRCH dip? One of the high valuation stocks that got killed the last 6 months; however strong analyst consent that this is a Buy.

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Okay, who here was smart enough to put in $80 limit buys?

Is a person bound to fail an interview if he is not prepared?
For this fear only,I am not applying to companies

Thoughts on the Taylor Swift drama? Scooter responded this morning

What three movies would you pick if asked to recommend the best class of cinema in India?
My list
1 Paan Singh Tomar
2 Lunchbox
3 Gangs of Wasseypur

Anyone know of available part-time (3-5 hours week) Salesforce Project Management gigs?

How in the world do you eat the recommended amount of protein? Do you snack on ground beef? Have chicken breast for breakfast? I’m 130lbs and struggle to eat more than 50 grams on a good day.

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

What is the biggest loss you've endured?

I am beyond stuck in my first 1.5 years of my career.

I was over promised opportunities at my first gig and then Covid hit. Leading me to have no portfolio worthy pieces from this 💩 agency with nothing great in sight. (place hasn’t won a pitch in my entire time here + lost clients)

I’m juggling re-vamping my site and a side project to hopefully make my book more robust.

With no kind of leadership or mentor, I’m just figuring out how to dig myself out of this hole. Any advice for this chump?

What will be the inhand salary at tcs on 10 lpa

Other than losing out on the bonus, what else happens if you don’t meet your billable target for a year)? A number of associates at my firm miss their target and it doesn’t appear to be an issue.

Lots of 2-year-old posts here talking about their uncertainty of buying a home or investment property. I hope you did! Looking to buy my first flip in the next couple months, does anyone have any advice on flipping vs renting? My original plan was to flip and buy rentals while keeping my capital base up with my flip homes and slowly building my rental portfolio. Any thoughts on this?

Genuinely curious: how often do you feel truly happy/enthusiastic in your daily life? What exactly makes you happy? I hesitate to self diagnose w “high functioning depression” but I have all the hallmarks. I have no interest in previous hobbies; picked up new ones & got bored very quickly; and though I’m still productive in my job, have friends/a SO—I don’t remember truly feeling happy/excited in a long time. I met therapists who asked me if I think others feel happy/excited all the time(cont

Hello guys
How is Dassualt systems India w.r.t Compensation, WLB?

After watching Arpana and her attitude in Indian Matchmaking, purani kahawaat yaad aagayi...
“ Na shakal na *^*^* Aur nakhre unchi unchi”

How much does it usually cost for makeup and hair for a Indian wedding? (In the USA)

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

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

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

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

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

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

What is the most difficult part of buying a home for the first time?

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.

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.

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

Is buying fancy condos with high HOA(>$1k) worth it?

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.

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.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Thinking about using my VA loan in a few years. Any advice?