Worth it to take a loan against 401k to reach 20% down?

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

I invested about $1000 in Ethereum on Friday. Is this a great of idea for a long-term gain? I’m planning on a recurring investment of $100/month as well.

Anyone ever temporarily lower 401K contribution to increase bonus cash payout?

Seeing it firsthand. Book net income: $5,000. PPP Loan forgiveness: $1,500,000. Owners distributions: $1,500,000.

For the noobs - remember if a stock goes up quick, it can go down quick. Good day to buy more!

At what point do you start paying taxes on your side hustle?

Refi student loans now to 2.33% 5 yr variable? Will rates go down further this week/next? Talking about $144k that’s currently at 4.71% 10 yr fixed.

I can’t believe I sold my NIO positions after holding for several months right on time at $53 this morning. What is a good price range to buy some positions back? Any thoughts? Thanks!

Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Okay, how do you know how much sales tax you owe your state monthly?

Has anyone bought flat in kolte patils Life republic Universe in Marunji?

I saved up by living at home and it has been sitting in my HYSA (~100k). that’s what my parents advised me to do, but reading about everyone here is making me reconsider - what do you all recommend?

What trading platform do you use? I was thinking of switching to TD Ameritrade think or swim, but wanted to see if they were any better options

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

Any advice for an extremely young, incoming Merrill FSA?

Anyone use financial planners or wealth managers? Pros / cons / considerations / recommendation for one in NYC?

Why do people accrue prepaid expenses?

Made M1 this year.Advisory practice. Secret to fast track SM? Utilization vs Selling work what should be the focus? Any tips who made M1 to SM within 3 years?

Re men profiles with fish pics : I think I’d be impressed more with the next step if you aren’t releasing it back into water. Show me how you cook and then serve it. How many people are you feeding with that fish? These are the stuff that I’d like to see 🤣

I do feel bad when people can’t afford our subscription any more even though they love it. However, I wish they would stop getting mad at me over it. It’s not my fault!

Hiring managers, what do you look for as you’re going through resumes?

What are the safest areas to live in Atlanta, where you would want to be as a twenty-something? Like fun things to do, can walk to things maybe. Any thoughts?

My bank makes you fill out a form if you want to work in the office for each individual day. It’s largely empty from what I hear. What are the risks if I were to go in and “borrow” an office chair for my new apt? How about a monitor?

For all of the negativity out there I thought it would be nice to see some of the amazing things happening around us: (I’m in the US so that’s where my examples are from.)

How do you deal with the guilt of moving out of your single parent’s house when you know they have a lot on their plate? (taking care of grandparents, their own job, bills, debt, etc)

Anybody know any good directors based in Iceland? Cheaper to shoot there ?

Hows hitachi vantara in terms of career growth , work life balance and work culture? I am in process with them for the role of scrum master. Please guide.

Do you guys list things you did on your resume, or just titles & agencies? Been at this for 8 years and feel like each job, while different, had me do the same stuff we all know. Feels redundant?

Name one thing you're thankful for.

Are global sabbaticals possible in TAS (from US to UK)

After 15 years in the industry, I can really say that these last few years have been the most challenging in terms of navigating all the sensitivity and political correctness.

Thoughts on GP Bullhound?

Angelenos - is it still worth it to transplant from NYC? I know with everything going on, it's a mixed bag, but I'm feeling the move. What do you think? Is LA still the best?

Is it worth getting PMP, Scrum, CSCP?

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

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

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.

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.

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.

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

Please suggest some good banks for mortgage rates. First time condo buyer.

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

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?

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

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

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!

Has anyone taken a loan from their 401K for a down payment? Yay or nay on this strategy?

Any recommendations on a good water softener system (4 people)?

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?

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.

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