Guaranteed Rate

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(11 Reviews)

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Guaranteed Rate Discussions

Guaranteed Rate

Does refinancing requires any additional cost?

My lender suggested an idea. Take a credit which leads to pay higher interest rate and then refinance in 6 months. He guarantees that no additional cost during refinance. Is it possible? Anything I am missing?

267

Dec 16, 2020

Amazon vs coinbase

Both are for a summer 2022 internship Coinbase: 50/hr No team matching, not sure what return offer rate is Amazon: 53/hr + 7k housing Not team matching, virtually guaranteed return offer since I am good at playing with my 🍌 Also have an offer with hyperscience (NYC): 50/hr Also, can you work w

1,782

Oct 9, 2021

Please Rate my Adobe offer (Non SWE)

Position: Sr Product Analyst, Data Science Level: 30 Location: San Jose Base: $137K Annual Bonus: 15% RSU: $140K/4Years Sign-On Bonus: $10K 1st Year TC: $202K Refreshers: Not Guaranteed (depends on the team). Very good WLB: 40 Hrs/week at max (Manager said this). 401K: 50% ESPP (Employee Stock Purc

1,601

Dec 18, 2020

Difference between bonds and CDs?

Anyone know what the differences are? Just looking for a place to park some of my emergency funds. Both guarantees the return at the specified interest rate. Not sure what the differences are, and google results are confusing and I don't trust gpt. I trust my homies at blind more TC 180

175

Nov 10, 2023

Offer accepted. What next?

Just Got an offer accepted for a 1m townhome in Bay Area yesterday I’m thinking about optimal immediate next steps. I have 10 days to remove finance + appraisal contingency. 1) are the next steps -> get a rate lock, shop around for lenders -> underwriting -> final approval -> final appr

1,641

Sep 20, 2022

Zero risk investment options for very short term

Are there any investment options that offer guaranteed non-negative returns with interest rates that aren’t total crap? I’m thinking something like CDs or regular savings accounts, but ideally with slightly higher returns....like 1%. We’re talking on the order of $250k for 0-90 days.

564

May 30, 2018

TERRIBLE Mortgage Broker - Lower.com - Avoid

Went against my agent's advice and used them in this crazy competitive market because the sales guy loan officer hawked a hot rate and "guaranteed" they close in 3 weeks or less. End result, lost $10k earnest money and the f#&#+ing house to a backup offer!! I'm filing a complaint with BBB. AVOID TH

755

Feb 21, 2021

GuruSchools LLC Feedback

One of my friends, who is looking to start a career in Software Development, has been reached out to by "GuruSchools LLC" for a training course and 100% placement. They claim to have good success rate in US and Canada. Their Courses are listed here https://guruschools.net/product/course/ Has anyo

Apr 10

TIPS better than I-bonds?

The principal in a TIPS is adjusted as per inflation to ensure a fixed net return % (the rate is locked in at the purchase). At bond maturity, initial principal is guaranteed. Are TIPS better than I-bonds since, even when the inflation goes down, the return is consistent in TIPS. Tc 250k 8yrs #pe

321

Oct 17, 2022

Investment in India

[Non-Indians please ignore this post] Folks - over here in US I invest in Vanguard MF and ETFs and these investment vehicles (VFIAX/VWUAX etc) have given me very good returns. I have some money in India which is all in FDs and the interest rates are poor but guaranteed returns. May you guys share

1,073

Jul 6, 2021

Pay off 4.5% mortgage or invest?

My ARM is ending and I no longer live in my condo, so the best rate I can get for my mortgage with a refi is 4.5% I have enough cash on hand to pay off the mortgage. Right now it's liquid in my brokerage, but I'm not sure I can consistently beat that in the market. I can't find any bonds that come

1,027

Nov 4, 2019

15 year vs 30 year mortgage

If I’m trying to pay off my mortgage ASAP (2-4 years) should I get a 15 or 30 year mortgage and why? Rates are currently 7% so S&P returns are similar to paying off the mortgage, except one is guaranteed. Are there any gotchas like you’re technically paying a bit more interest each month in a 15 ye

1,242

Aug 11, 2023

10-12% Lending Rates for Stablecoins?

I’m seeing some great “guaranteed” rates advertised for lending stable coins. I don’t know much about crypto, other than it’s volatile, but if stablecoins are pegged to the US dollar, there’s no extra volatility compared to just having cash. What am I missing? Other than not being FDIC insured, what

594

May 4, 2021

Does it make sense to buy IBonds?

The treasury guarantees an interest rate of 9.62 annually. Limit is set to 10k a year. Looking at the market right now, should I consider buying IBonds instead of investing in safer ETFs like VOO, VTI etc? What are the things I should keep in mind while making this decision? FYI, I’m on H1B work

639

Jun 10, 2022

Microsoft L65 Manager Offer

Rate a msft offer ( : Base : 188K On-Hire Stock : 75k / says immediate Sign on : 30K Annual Refreshers : Target bonus : 0-40% Target Stocks : Only mentions eligible? YoE: 13 Would TC be calculated as 188k+75k+(188k*.40) ? It seems subsequent years, based on how its read, I would have TC at 188

4,924

Dec 5, 2019

Are people on blind trolls?

Who’s coming up with these ridiculous posts about how much $ you need to retire (e.g., $8M is nothing). $10M at 3% guaranteed growth (this was feasible even when interest rates were low, now it’s possible to get 5-6%) is $300k I spend at most $60-70k a year and I’m not really being careful with my

250

Feb 14

Rate my PSC review

I started at FB in August 2020, and I just got the results from my first PSC. I received a "Meets All" and I got a .9% raise to my base salary. I also received my guaranteed 10% bonus (pro-rated) and 42 RSU's. Because it's my first review, I can't tell whether this is a good outcome or not. How do

1,480

Feb 22, 2021

Did you know that long term capital gains don’t affect your marginal tax rate?

That means you can withdraw up to 170k a year as a single filer from your traditional 401k and only pay 24% marginal federal income tax, even if you have millions of dollars of long term capital gains that year. There’s almost no reason to contribute to a Roth 401k if your marginal tax rate is abov

369

Apr 10, 2023

LAW OFFICES OF CHRIS INGRAM - EB1A

Looking for feedback with any recent experiences working with this law firm. I saw pretty bad reviews everywhere mostly on their slow responses and delaying the case filing, however not many reviews on their work towards building strong profile and their success rate. They claim that they changed t

236

Oct 7, 2023

Why is it so easy for girls to pickup guys?

First of all I’m just an average looking single male in my early 20s and my game isn’t very good either. This combo results me about 10% success rate at picking up girls at a bar or nightclub. Basically I have to go out 10 times and only one night I will be successful at picking up a girl to spend a

1,062

Nov 9, 2022

Have 130k mortgage at 5.4%. should I pay it off?

Here's my financial situation. I live in Canada btw, so all of them are CAD Chequing: 4k (no interest) Savings: 57k (almost no interest) Tax free savings GIC: 50k (guaranteed 4.5% APY) Tax free savings NASDAQ: 25k RRSP S&P500: 140k Basically tax free savings accounts (TFSA) and RRSP are like Roth

502

Jul 14, 2023

Software Role at a Quantative Trading Firm

I often get reach outs from trading firm recruiters. They say things like the following: "you'd have substantial exposure to the development of key projects and they will compensate well above market rate with impressive guarantees ($275-400k+ based on experience)" How true are these reach outs? I

649

Oct 2, 2018

Are bonuses taxed at a higher rate?

So I read that bonuses are taxed at a flat rate of 22%. Does that mean that if hypothetically my TC is 200k base + 100k in bonus (and let us say that my federal+state+FICA tax is 30%), I pay 200k * 30% + 100k * 22% in taxes? As in, in this case, is it more advantageous to get 200k base + 100k in bo

768

Dec 3, 2020

Can’t buy a house for less than 5M in Bay Area

Shopping on Zillow and any good neighborhood with a 3,000sqft house is 5M+. And if you want it to be a nice one, it’s even more. At 26 years old I felt like a baller when I hit 1M net worth without ever owning a home. But now I feel like I won’t be able to save what I need to buy a really nice hous

1,943

Dec 5, 2023

Morgan Stanley VP Offer NYC

I interviewed for a Data Scientist/Data Engineer (VP) role for Finance. But the formal offer letter just mentioned it as VP in the Administration division. Wondering if Finance comes under Administration division? Any thoughts on the offer? Base: Negotiated from 170 to 200k Bonus: No guaranteed bon

581

Jan 26, 2022

Guaranteed bonuses when moving laterally to a competitor?

Have an offer from a bulge bracket competitor. Negotiated a total comp number but offer letter only has base salary in it. Bank is saying bonus is “in the system” and will be met on a handshake agreement basis. They also told me no banks will write the bonus number as a guarantee in the offer letter

1,125

Jul 6, 2021

Can mortgage brokers help you get underwritten qualified?

I'm looking to get a good idea of max loan amount I can qualify for. Is it a good idea to go through a mortgage broker? Are they able to contact multiple banks and figure out what I qualify for (full underwriting approval)? I recently applied to Guaranteed Rate. Not sure if that is considered a mort

115

Mar 23, 2022

100k salary w/benefits vs. $75/hr full time contractor gig

Can you all help me decide between two offers? The first is a salary gig—100k base with up to 6k potential bonus, standard benefits package (minus 401k match), 15 days paid leave. Second is a contractor position with a rate of $75/hr. There’s a chance it might eventually turn into a salary position

451

Jan 21, 2021

150k to Lump Sum

I have $150k to invest somewhere. I’m thinking of putting everything into: A: SWVXX at 5.2 yield (not FDIC insured but stable) B: HYSA at 4.3 APY (FDIC insured) C: dumping into VTI for long term growth D: Other What should I do? Ps. The market being pretty high right now along with the fairly gu

868

Aug 11, 2023

AT&T TDP internship to full time conversion rate?

Hey everyone, I have some questions about the AT&T TDP internship. Does anyone know the conversion rate for internship -> full time? I heard somewhere its around 85% so just wanted to verify. Also, are there any stories of people not getting converted? If so, why were they not converted? What c

176

Sep 29, 2021

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