“X% interest rate at a cost of 1/8 of point”- what does 1/8 point mean? In context of home mortgage!

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

Base is at 180k, after tax, insurance , 401k and ESPP (max out), my bi-weekly pay is only like 3600 (like 8000 monthly). Can people really save this kind of money, or most people rely on their stock appreciation?

How does this property sound to you for investment?

2bedroom condo selling for $260k. No additional work needed. Expected rent is around 1,800. HOA plus taxes around 900 a month.

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

What do you guys think would classify as a good savings amount by the age of 30?

Newbie here, can anyone here pls share their trading journey?

Anyone here tryna go into impact investing?

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

When a company reports bitcoin securities in their SEC filings, do the bitcoin securities get reported with the regular currency interest or is it a separate filing?

Can your spouse be employed in Google and getting RSUs?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

Do we have to update the tracking and trading with details of like mutual fund, life insurance

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

I am looking for a tool to help with determining how much money I will need monthly when I retire. Any suggestions?

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

I am financially secure (husband now has a high earning job) and looking at what options for "moon shots" at chances of real wealth generation with my years in Big 4 (10+). Month to month cash flow isn't a concern anymore so i can focus on opportunities for bigger pay days. Ideas from the hive mind?

Hello guys.
Me and my friends are planing to Take a 2 or 3 bhk flat near Whitefield for rent. Can anyone suggest which area i need to look out for? Also what may be the rent range?

Have my IELTS on Monday, any prep/material I should read before the test? Or simply show up?

Any MDs willing to talk to a MD with significant clinical experience who is interested in consulting?

Stealing The Crazy Ones and making that mess is a new low.

You’ve had a 360-campaign brief for about a week that’s essentially a brand refresh. The expectation in the first-round creative review is scripts and adlobs for each concept. How many concepts to you come back with?

So I feel a combination of relief and guilt as a bankruptcy/restructuring attorney. I think I’ll be ok since it’s going to be a very busy time soon. But at the same time nobody else is going to be ok

If I didn’t have to take the MPRE previously but looking to waive into DC, when do I need to take the MPRE? Prior to applying or can I apply and submit my score following submission of my application to get the background investigation going?

Dear fishes, Can someone please refer me for SAP SD. YOE- 3.9 years. Please drop a comment, will share details with you.

Can H1B holders filed unemployment when serving grace period for 60 days? D provided information in Separate Memorandum?

Hi all, I got two offers from HCL and Capgemini. Better compensation in capgemini. Need your suggestion which company to choose based on job security, WLb and career growth.
Experience: 3 years 8 months
Technology: PLM, Teamcenter

Hi guys,
Got offers from @hashedin and @axis bank in the data engineering domain.
YOE-1.8. Skills- Hadoop/Spark/ETL .
Want to learn cloud going forward.
I think it's not product based vs service based but the learning curve should be better in hashedin and axis will give all product based benefits.
Help me decide.
Appreciate your help already.

Hello people . I have 4.10 years of experience in Audit . I have worked with deloitte and now working in McKinsey . My package is 5.25 . I feel its low . McKinsey low balled me . What should I do ? How much is the package I can demand going forward ? Please help.

Hi, brains

i have updated my resume on linkedIn and naukri.. Only few calles only i get..

If any vacancy is avalable in your firm pls refer me
Looking banglore loc
Java dev with 5 yr exp (spring, hibernate, microservice)

Anyone have insight how long it will take after a panel interview to get word on whether the position is going to be offered or not? Recommendations on follow ups with HR to find out status?

Any recs for insightful and well written books on entrepreneurship? Friend is trying to launch his own startup so I’m thinking of sending him a relevant book as part of a thank you gift

How is Eclipse plug-in devloper role in Robert bosch

Greetings from Madison, Wisconsin. I'm a reporter with more than 32 years of experience and I feel that, lately, local television news has been kind of dead, but I am pleased to fight for it from my local newspaper. Locals love to see someone from their own town succeeding or finding out something inspiring.

I am a firm believer that this will not change for a long time, local TV will continue to live as long as we stand for it.

With so many news sources using a subscription system, there needs to be something like a Netflix for news articles.

Newbie here, can anyone here pls share their trading journey?

How soon until we all take jobs at consultancies?

I’m hoping this bowl can commiserate with my disappointment that ESPN is airing collegiate football instead of today’s quali...

Is it common for HOA to ask you to prove your car registration is up to date?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Any Property Management recs in Seattle area? :(

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

What's the best city in UK to buy a buy to let property, with best returns?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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.

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.