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?

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Is now a good time to buy property in London? For investment purposes.

Thanks

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Big4 Partners: could you provide some insights into how the Big4 pensions work. Assume one becomes partner at 40, and then retires at 50 after full vesting, how much annual $$ you get after retirement?

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

I'm a foreign national with a UK work visa, normally working in London. If I end up working from home outside the UK for 80-100% of the tax year does my UK tax rate change?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Do we still receive points for the stay if I book through AmexTravel?

Moving to NYC this summer, making 40x rent for most places but don't have any credit score (non US citizen).

Any tips on how to avoid expensive gurantors?

How do I classify my property for tax purposes if I received rental income for exactly 15 days this whole year? Primary?

My goal is to save 300k by end of 3rd year. HCOL. Do you think I can do it? Or maybe 5th year?

What are ways I can spend my $200 airline credit for the Amex platinum ? I saw upgrades don’t count and I have status so already get free baggage, lounge etc.

Pre-tax 401(k) or after-tax...thoughts?

SNAP - 5/22 $18p, b/e $16.86

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

So overheard after work:

I left a company a while back and a coworker of mine that also left just informed me that one of the C level execs has an SEC decision against him for embezzling several million.

This was from before I worked there...

Invite industry professionals you know to our bowl., Let's make the connections bigger and wider

Our firm needs a ln experienced paralegal, is there anyway to find one besides the typical job boards?

What are the Unit testing tools for mobile application?

Anyone working at Abbie willing to provide reference? Desperately need one

What are salaries like for class of 2019 in am law 50-100. I have average working attorney collections as high as our senior associates but I’m only making 215k. Trying to see what salary I should ask for.

Found a bed bug in a Radisson Red in Campinas Brazil, how many points?

Flying United from US to Europe in economy as a silver elite. Am I eligible for a premium plus or Polaris upgrade?

Does companies retain you and bump your existing ctc by 80% to match offer in hand??

I was hopeful and excited to have a better working experience while working with EY. But seems like tagline is building better working world in real it is building worse working world. Anyone here experiencing same ?

I left bedside nursing and the hospital 2 years ago. I don't feel guilty about it and honestly this pandemic
has convinced me to never return.

How long wfh will remain in accenture ?

I am teaching 4 sections of math this year. My school curriculum is IReady. Which find to be to complex and busy for SPED kids. Does anyone use an interactive notebook along with standard curriculum? If so what fo you use?

I need a change so badly I’m on the verge of tears almost every day. I’ve invested so much preparing for this career. I know I have so much talent that’s not being utilized. I feel stifled and stuck. I don’t need the health insurance but I’m terrified of giving up financial security. Any suggestions in NH for a sp ed with a MS in ed tech integration and a CAGS in Ed leadership. I am driven by identifying systems and creative problem solving and also have a background in art & design.

Hello Everyone,

I have received offer letter from Optum Global Solutions India recently and I am seriously considering joining it(I also have offers from Deloitte USI and Verizon).
My breakup annexure mentions 4 components apart from RRP and PF. Basic, HRA, Flexi, Special Allowance. Either the Special Allowance or the Flexi is not included in the CTC mentioned in offer letter. So I want to understand how the Flexi and Special Allowance are paid monthly. Can someone please help?

First year (ug level hire) and got email from apple recruiter. Would love to exit to FAANG but not sure I'm ready to leave BCG in my first year but maybe after 2-4. What is best practice?

Hi fishes,

What is the common hike percentage and promotion cycle in Commonwealth Bank of australia?

Any director’s currently traveling 100% right now? If yes, how often?

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

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

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

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.

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.

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!

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.

Any recommendations for buying agents in Massachusetts?

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.

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?

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

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

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.

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!

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?

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.

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