If you’re competent and ambitious, you will be identified and can grow and get promoted.
Zero communication of annual or quarterly goals. Projects and priorities change weekly. Layoffs every month for the last year.
Hearing there’s a huge RIF at Guaranteed Rate; workforce is hearing about it this morning. Severance rumored to be 1wk per year worked. #layoff
All the big hotel chains: Marriott, Hilton, Hyatt, Accor etc. offer best rate guarantee. If you find a lower rate on Expedia for example, they’ll match and lower by an additional 25%. I used to do it a lot but then got lazy and relied on corporate rates until this week. Weekend trip to New York and...Read more
Curious on their corporate culture, benefits, employee satisfaction, etc. Have a pretty good idea of comp from the recruiter. TC 190, 7 YOE Chicago
Hi - I'm trying to get a loan and just submitted an application with guarantee rate. I tried Chase and Wells Fargo but prefer to find the max pre-qualification i can without going through a lot of applications. Any recommendations to mortgage brokers that can help me find a good max qualification? G...Read more
Robinhood Gold currently returns 4.15%. Heard in a podcast about someone earning over 5%. Does the return percentage increase after your brokerage cash surpasses some trheshold? Otherwise, are there any better alternatives? Tc 330k Yoe 9
Elon was and remains right. Cuts are necessary. You can easily cut 80% of your staff with no major harm to the business as an ongoing concern. Twitter is humming along and has new features at a rate not seen in years. Which begs the question, wtf were people doing at Twitter before? I can guarant...Read more
Hotter inflation numbers came in this morning, 10 year treasury yield spiked, no guarantee of rate cuts this year. Mortgage rates are above 7% again and there’s no guarantee they’ll be below 6% later this year even though realtors will tell you otherwise. Realtors don’t have a crystal ball, they’r...Read more
With mortgage rates already above 7%, experts are sounding the alarm that we might see them hit a whopping 8%. This is due to the U.S. Federal Reserve potentially hiking its benchmark interest rate again, especially if the economy continues to show strength. This is a concerning sign, reminiscent of...Read more
With interest rates steadily climbing, bank CDs are offering 5.5% interest, but I hate the idea of locking up cash for 12 months. Are there any ETFs that provide the guaranteed monthly rates of CDs with the liquidity of ETFs?
Alternative option of parking money at 7-8% guaranteed deposit rates in home country. Please advice.
Going forward you should own as little house as possible if you want to build your wealth. At 6% rates, 1% property tax + maintenance you are guaranteed to become poorer every year you own the house. The more house you own the poorer you become. As a result it is now smarter to buy a condo than a ho...Read more
This is a question as old as time, and asked before multiple times. Back then interest rates were 3-4%, now it’s looking like 5%. At this rate, should I pay down mortgage for a guaranteed 5% return on investment or invest in the stock market for a likely 10% return on investment? At what interest ra...Read more
People/Big orgs are taking money out of stock market and putting them in cd/bond/bills etc. Because of the high rates it's guaranteed 5-6% return. Once the rates goes down folks will again start putting money in stock market. Hence buy stocks now!
I have sold everything except the 401k and the house. I've been putting 100% of my money paying down my mortgage and will continue to do so until it is gone. IMO stock markets won't recover with high mortgage rates looming over folks. Stock market can't beat a guaranteed 7% return.
I am in the process of buying a house in MCOL area. Loan principal: 500k Interest Rate: 6.4% I will end up paying ~32k annual interest which is basically money wasted. I could easily rent a single family home for 2.5K in the area I am looking to buy (annual rent 28k) It feels like an epiphany to ...Read more
I have enough money in cash for a 20% downpayment right now. The money is sitting in treasury bills on fidelity. I'm not in a huge rush to purchase, but ideally, I would like to have purchased a house by end of August, but I'm also open to waiting until 2025 since renting is cheap (cheaper than prop...Read more
Please check my understanding: big man Jerome Powell is raising rates to bring housing prices down. This is going to continue, so why would anyone buy a house now? Isn't it guaranteed housing prices will fall, so anyone interested should wait a year or two? #housing #mortgage
People have gotten so used to 0% - 4% interest rates aka free money the past 10-15 years they panic with anything above 4%+ but if you look historically 6% 7% interest rates are very normal and in fact good because people bad with money don’t take on risk by buying a house. Now you have millennials...Read more
I want to take some of my 401k money and park it in something like a CD with a guaranteed interest rate, but within my 401k account with my brokerage.
People who have recently purchased a home - where did you get your mortgage and why? Where is the property that you purchased? What other lenders did you consider? Blinders choices: - Wells Fargo (pros: low rates, cons: theft?) - Chase (pros: fast) - Charles Schwab (pros: good jumbo rates) - Key Ba...Read more