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Buy Gap
- Employment gap of 1-2 month before buying a house or applying for loan! Finally after 12 years of visas, I got my green card yesterday. At this moment I want to take a break from work for a month or 2 and not do anything.. However I am not sure if this small break of a month or two will be considered as risky if I decide to buy a house? ( before I plan to buy a house I
- I need Therapy Been wanting to buy a home for years… hubby wanted to wait till we got our big pay day. We got that pay day but it literally means nothing when it comes to this housing market. We just started and it’s just nuts. I don’t understand why anyone would waive appraisal gap… it doesn’t make sense. You sho
- vote Someone told me to buy PLUG and FCEL, but I didn't Sigh.. Both gapped up so many times. Should I buy tomorrow? TC: $220k
- Who is buying at all time highs in bay area when the stock market is softening up? Hey folks, Market prices are determined by 1) supply/demand gap, and 2) paying power of the buyers. I get that supply/demand gap will remain in bay area for the foreseeable future, but I don't understand why reduction in net worth (due to current and anticipated slowdown of growth stocks (as money
- Joining cannabis company There are lots openings on the buying/planning side. I feel like this is once in a decade opportunity to jump on. There will be crazy growth, something Gap no longer has. I missed the boat with tech but given my buying/planing experience with Gap, maybe the cannabis industry is where I can find
- My prediction. Rents X2 in 3yrs The gap between rent and mortgage is wider than ever before. Which is abnormal unsustainable pattern. House price growth can be flat but will never come down. The only way this abnormal can dissolve is rent shoots up. To hedge I would buy a home sooner than later, as opposed to wishing home price co
- We finally won! Bought our dream home From Seattle. I saw the months when the price kept rising and so did interest rates. Some homes we really liked, but were outbid on almost every front. One thing we were sure of, never to compromise, if we were going to get a home, it would be the one we loved. With time, we realized it quicker. Few
- Switching jobs while buying a house I'm already pre-approved and I'm actively looking for a house and would like to buy soon. I'm also actively interviewing with some companies right now. Would changing jobs with no gap cause any issues with the lenders while the house is being closed on?
- vote 500k in bay area vs 250k in MCOL What would you prefer? In MCOL you could buy a big house. Bay Area taxes are higher. Bay Area the compensation seems to be more that can grow with stock appreciation. There is a big pay gap between the two but which one would you prefer? #tech
- vote What’s your opinion on buy and hold index funds? Buy and hold broad market index funds to achieve 7-10% return in the long run. Is this the way? Or take concentrated risk on a few high conviction stocks? I don’t see how one can close wealth gap without taking more risk early on. #personalfinance #investments
- link These retail companies are dying off the fastest Anyone in here work at any of these companies mentioned in this? If so, are you looking for another job yet? Just a few on this list: Gap, Nordstrom, Macy’s, Best Buy, J Crew, Sears/Kmart, Abercrombie, Sam’s Club https://moneywise.com/a/big-chains-closing-most-stores
- Palo Alto Neighborhoods I’ve been looking to buy a house in Palo Alto. It seems that South PA and Barron Park are less desirable. Why is that? Is it just that Barron Park Elementary is not as good as the rest of the elementary schools? If so, is it that much worse? What else explains the price gap? Any good online resou
- Everyone I studied with moved to USA from India This is more of a ignorant rant. How is there a huge wage gap for the exact same role b/w USA and India? Thanks to abroad working Indians and their dollars, I cannot even own a decent enough house in my city? How can one who is working in India can peacefully live when abroad working are buying a
- vote Is it foolish to continue renting in Redmond/sammamish? Redmond/Sammamish is super hot, homes are selling at 15-20% above listing price. Buying home would need 20% down, appraisal gap and additional money in closing. At 1.6m, it will cost be 400-500k cash. I am wondering if I should continue renting for 3.5k for another year and invest cash in market f
- Only way to win in this market is be ruthless I wish I'd learned this 4 months ago. Looking in seattle and have been burned. Seen escalations go from 200k to 400k over asking. Here is your guide if you are looking just now. 1. Figure out your max out of pocket and monthly mortgage number. -- in order to fully leverage yourself, you must know w
- Rental Lease during covid My husband cannot find a job, due to covid and gap in his resume. We need to buy time (he is looking anywhere right now). But our landlord refused to do month to month lease in the past and even short term like 6 month or 3 month. What are our rights? We don’t want to get locked into a year lease in
- What happens if the house I'm buying doesn't appraise? I'm buying a new construction home, and I think I overpaid by about 10%. To me and my family, it's worth it. We got to pick exactly what we want for our home. The price is ~$700k and (I think) a fair value for the house is ~$630k. I'm almost certain that the home won't appraise at $700k. So what h
- Offer accepted on East Bay home! Yeah it's a small 1200 sq ft home, on a small lot, and I paid 1.2M, but hey that's real estate in the Bay for you. (7+/10 districts though and beautiful neighborhood) I may get under appraised due to inflated prices, but so long as it doesn't appraise below 1.1M I can cover the gap haha. Otherwise
- Series of unfortunate events with my condo 1: Buy a condo for 400k in 2018. For 200k more could have afforded a SFH in a remote area. Felt it would be over my budget. 2: condo had a water leak that permeated to units below. As a first time buyer, I did not have homeowners insurance gap. Paid 15k 3. Rented the condo out and the tenant fucked
- Any advice for low appraisals? Trying to buy a Single family house in South Bay and East bay in decent school neighborhoods. Trying for ~300k over listing price is norm to have a winning offer. My concern is if house appraises 150k below our offer price, then we would have to close the gap and managing that cash on top of existin
- vote Public vs Private Schools in Bay Area [Edit] Those of you that are answering "public schools all the way": Do you feel that a good student can learn on their own to make up for the 1-2 year learning gap vs. private school? Or do you feel that that gap is exaggerated? Honest question. ----- Original Post ----- I've heard that while the
- Handling income disparity Married folks - How do handle income disparity in a household? We have an income gap of 3x-4x and trying to figure out how to handle finances. Typical conflicts - what are essential expenditures vs a convenience - what are acceptable brands and quality We tried a couple of options such as % bas
- Does anyone have advice as to how to create a position at a company that’s interested in me? Fabfitfun is a company I have interviewed with, they say I’m a cultural fit and they love my experience. They plan in doubling in size this year and have asked me to be patient, which I’m not. I think there is opportunity to pitch a position to them, that they should incorporate into their company,
- Amazon pip how to choose last day Asked HR to put me into pip directly and he agreed. But he also mentioned that it will take several weeks for them to prepare the doc. (Is this normal to take several weeks or they try to buy more time and hope me to quit myself since they might know I have an offer after returning from the medical
- Bitcoin (BTC) Price Reaches $60k; Max Keiser Predicts Next Target $77,000. After a brief period of consolidation, Bitcoin price today finally breached its previous all time high of $58, 350 and moved past $60,000 mark. Bitcoin analyst Max Keiser has predicted next short target as $77,000. Analysts are contributing this rise in price to large negative bitcoin price premium
- Do not TRY derivative (Options trading) market now Have seen lot of posts about ‘shorting’ market, buying dip and so on. Some of you might be tempted to try Options trading. Coming from an experienced trader who started with Black-Scholes model and built knowledge ( Statistical as well as real life), here is why you should NOT jump into Options tra
- Full explanation of the GME, RH, and Citadel debacle Alright ladies, listen up. I just spent the whole day going down the rabbit hole of this whole GME / RH / Citadel debacle. This is going to be long, so you might want to lie down and suck on your pacifier because this one would take quite awhile. Let me start off by saying that I have a smooth brai
- Are we stretching way too far for this house? The wife & I have just turned 40 and have been trying to buy a house for the last 14 months. We have saved up a little over $400k & with prices going up like they have been, feeling a little desperate & that if we are not able to buy something very soon, we are going to be totally priced out of the
- Changing industries. Entering Tech I've been working as a operations engineer in manufacturing for multiple years. Short description, I create concepts to improve the product (jet) and drive the development of the concept to a tangible process or product. Most of my actions involve scoping, systematic design, planning, obtaining lea
- Glassdoor offer and IPO A friend got an offer here for a Senior position in the Bay. We're in Seattle. Their offer is pretty low comparing to the others in my opinion. Senior engineer position: 125k + 20k sign on + 8000 stock option. He hasn't negotiated and has 3 years exp. The stock he has to vest and buy it later. They
- Zero debt, what’s my next step? I am a 35 years old male from South East Asia. I’ve been working for over 8 years (took about total 2 years gap in between). Started with an engineer in oil and gas, then moved to software engineering, then to product management. I came from a single parent family. Got scholarship, so no study loan
- vote Stay in LON or move to USA Close to completing 1 year in the FB London Office. E5 performing well and generally enjoying the team, but I'm wondering if I will regret not moving to US due to the lower pay. If I decide to move, what is the best office to go? Got a wife (not on tech salary), will likely have kids soon as well.
- Interest rates jumped 50 bps: beware when making home offers There are a lot of folks pre-approved in the lower 3's rates. If you have pre-approvals out there and are making offers just be careful because rates just pushed past 4-4.125% range on conventional loan for owner occupant as of last Friday (every other loan also increased by 50-100 bps). This rapid
- vote Regrets after buying a townhome I bought a townhome in San Jose last year. Thought was to get something reasonably priced as I was unsure of the direction of the market post covid, and wanted to get something cheap which fits my needs and makes sense from a cashflow perspective (I had the cash to buy an SFH, just didn't make sense
- Stock with real 100-200% upside potential in 1Y SFT Shift Technologies. Nobody even knows about this thing. Yes it's an ex-SPAC. Yes, that sucks. I'll tell you why it doesn't matter and why it will 2-3x in one year. They sell used cars online. Auto ecommerce. They just had the best earnings of their history on 8/10, crushed revenue, improved
- Is anyone leaving tech to become a teacher? The pay gap between teachers and tech professionals is about as large today as it's ever been. And yet at the same time, I was recently inspired by the story of Will Frazier, a bond trader who made enough money in the 1990s to buy two Ferraris before quitting to return to his home in Florida to teac
- Ultimate Guide to Buying House I have bought multiple homes. I always bought in a seller’s market (not by choice) and this is what I learned. 1. How to decide the offer amount: don’t use the listing price, comps, Redfin/Zillow estimates to decide your offer price. In a hot market, none of these are accurate and people who compla
- H1B to B2 I posted this question in one of my groups: "If I convert my H1B to B2, and assuming it's valid for 6 months, and if I find a job, can I work on it and get H1B processing in 2021? Or I can't even work on B2?" and I got the following response: " This is what I recommend: you can file a change of stat
- Leaving Amazon India in 8 months What can be a good reason for me to give to the prospective hiring managers for this immediate change? My original reason is low TC. I joined as an L4 SDE with 2 YOE taking a pay cut believing I would get promoted and compensation would become equivalent to L5 after 1.5-2 years. But after joining
- No one wants to hire me? Getting really burnt out doing second and third interviews. Just found out yesterday I didn't get another position. My background is an Executive MBA from an Ivy League school and a minors in comp sci and cad design. I left the workforce 3 years ago to peruse my own startup, and after an internal
- Mortgage and salary in Bay area. Bought a new home. My base salary is 138k. My bonus is 15% and the stocks that vest this year is 50k. I have another 100k rsu's unvested. Tomorrow, I m going to sign a contract for a 760k town home (2 bed and 2.5 bathroom), newly constructed in Newark. (Builder lennar) My mortgage is 3200$ + HOA is 394$. Other expe
- How to buy more time at Amazon amid performance concerns and corona outbreak? SDE 2 at Amazon in India. YoE 8. 7 months into Amazon and my manager raised performance concerns during 1:1 meeting and emailed the meeting notes to me and my skip. Not told about devlist/pivot/focus or anything like that. After a month of that things were going fine, I wanted to move to a differe
- Meta/FB vs HFT vs Hedge Fund in London - which offer to take? I am struggling to decide between my top three offers, which are for Meta, a Hedge Fund (think Citadel, Jane Street, Two Sigma, etc.) and a London based HFT firm (you'll likely know the name but want to protect my privacy). The offers are: Meta (E5): TC ~£203k (109, $420/4 years, 15% bonus), plus £
- My bubble-proof plan to destroy the stock market I keep hearing it from the VTSAX and chill folks, over and over again. The pandemic bull market is making everyone (except them) look like a genius, even though it's actually been a bull market for almost 12 years, since March 2009. And just I wait until the bull market ends, then I'll surely get my
- depressed at work I think I’m bad at my job. I have this constant fear that I’m gonna get fired all the time. I’ve been PIP’d twice in two out of the previous three companies. I think a big reason for my bad performance is I have the tendency to procrastinate on tackling hard problems head on. I tend to find creative
- Swap to Software Engineering in US or promote then move? Joining Google (GCP) soon in EMEA. My team / role is on the business side but is still technical - a hybrid role between Data Engineering and BIE at Amazon basically with GCP experience. I am excited as I enjoy Python/SQL/the cloud so its a perfect fit. My goal is to move up the ladder within the s
- link I've started my FIRE journey in India! (Part 1: Intro and Net Worth) There's no shortage of posts here on Blind where people ask how much one needs to FIRE in India and then responders throwing around random numbers that range from practical to downright stupid. There however are hardly any first-person accounts of folks that have truly retired early. Nobody seems to
- Toxic management - exit strategy I’ve joined this 100 people company a year ago with a lot of enthusiasm and was able to bring positive change in the beginning in terms of process improvement and efficiency. I try to embrace servant leadership mentality, and I know that my reports love me. I also get along really well with pretty m
- vote Which company to choose After a number of applications, and an even fewer number of interviews, I have finally reached the end of my rope. I had given myself a timeline to test how I would fare in the current market, and now that the end is near, I would need to cease pursuit. Quite frankly I'm a little relieved, as I had
- FB lessons summary from Blind So I scanned through all advice on fb from blind and posting it here. Would love to get comments if they are still relevant. But, I did that as a prep to join the company and be prepared. This is my giving back to this wonderful and disgusting community of blind. Facebook lessons (from blind) Summ