Would you pull out of your retirement to make a down payment or keep renting for a few years? First time homeowner.

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

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

Advice for doing consultations with a new client and trying to convert them? Feeling the pressure now more than ever to bring in money to the firm.

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

Anyone has experience in investing through Angellist?

Is it worth moving to western countries if you have a stable life in India and the household income is close to 3 lac per month?
What are the advantages and disadvantages of this move?

Welcome to The Financial Life! I am excited to meet a variety of individuals, families and businesses to talk MOnEY! As you know, growing money is one thing but keeping it is a whole different game!

So interest rates are really going down?

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

Rumor is Lucid motors will go public via Spac $CCIV . If this is confirmed we will see 20 soon. Anyone holding ?

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

For those switched from Accenture did you have to sell all your Accenture ESPP shares?

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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?

Valuations or FDD? Trying to decide which team has the best exit opportunities/WLB/interesting work.

I know someone who is looking a job in Technical Research Analyst (stock market related) OR in banking domain and has 10 months experience overall. But he has been doing stock market research for few years as a freelancer. Will anyone be able to refer him to a reputed firm?
Qualifications: M.Com

Are there any stable part time jobs in Finance? I have 7/66.

This is my first post being a PRO member! :D

Deloitte Cyber, how long did it take you to receive an offer after final interview?

What is the average % bonus of base in big AM firms? Have an offer and debating between that and another finance route that I know pays a large bonus if performing well

Happy Wednesday! I am trying to plan with our AP and climate lead on what we can do in distance learning as a school wide event. I suggested we still host our multicultural club assemblies on zoom for the school. Anyone have experience with zoom assemblies to promote a positive climate in DL? Thanks!

I know this may sound like a question but I'm not sure how far along am I. My last mense was we 8/2. My embryo transfer was 8/23. I did my blood test on 9/1 and it was positive. How do I know how many weeks am I?

I've been approached about being an expert consultant. Has anyone done this before? I'm interested to hear people's experience.

Has anyone done online teaching with VipKid?
I’m considering it as a side job.
Any other ideas/suggestions would be great

Why it so hard to find IT entry level jobs and internships in Massachusetts? I’m desperately looking for one 😟

Hi Fishes

Want your opinion. how much base pay can be expected for a senior associate position in Technology Consulting for someone with ~7 years of experience.

Which type of work is more clear cut, tax or audit?

Does anyone use Kaseya BMS and know how I can integrate the projects portion with another App like Asana? I cannot function with BMS and I cannot change that part of what we use at work. So I would like to sync with Asana for tasks and such if this is anyway possible.

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.

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.

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

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

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.

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.

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?

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

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

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

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?

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

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

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

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

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

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.

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?