&120k HHI + variable bonus ~ $5-6k. Cash reserve $50k. Is it recommended to buy a $475k home in the current market? Single owner. No kids

My son made 11k on Doge but it is a joke coin. Put some money into SHIBA another joke coin. I knew all the cryptos would come back after the big fall. It was an opportunity to buy. Polygon has held up through all this because of the news from Deutche Bank. Look at the real cryptos. Bought these.

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Is there a way to Pay rent via Credit Card without paying the convenience fee?

What’s a safe level of income to buy (or finance) a boat?
I’m aware they are money pits but want one to fish / get out on the weekends

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

Is Argyle, TX good place to buy home and raise family?

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Whats the second source of income for a IT employee ?

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.

Can some refer me in cogni...
Data Analyst.
YOE 1.5

How to get into IBM ISL from GBS

Hi Fishes, If i extend my doj will it affect my joining bonus in ibm. Because in offer letter its mentioned as on or before doj. Thanks in advance IBM

Hey Fishes, need some help.
I have an offer of 14lpa from Smartcube and done with the HR round of Allstate. I've asked them for 15.5-16.5 lpa. Would it be a wise ask or should I negotiate? Haven't resigned yet from Accenture.
Deloitte currently in pipeline.
Current CTC : 9.5lpa
YOE : 2 years 9months
Profile : Consultant Data Scientist

Has anyone moved from SM at one firm back to M at another. Really struggling atm and considering it, but haven’t heard about others doing it.

Hello friends, Any updates on mid-year promotion for EY GDS? EY INDIA members have received mails already.

Is it kosher for a Deloitte employee to apply and accept a role from the client they are working for in the Bay Area? Is it difficult or just downright impossible? I heard of a manager doing this 10 years ago and it shocked me as I thought it wasn’t possible.

Is principal consultant equivalent to senior manager in pwc? @pwc

Hey fish, I started recently (within the last year) at post PhD level. I’m thinking about moving into pharma or biotech since I don’t think the ladder in consulting is right for me long term. How long do you need to stay in consulting for before making say 150-200k base in pharma/biotech?

Hi fishes,
what is the increment range at S&P global for software developers ? IHSMARKIT is soon to be merged with S&P global. So wanted to know if it is better to wait for the merger or make a move.

Need 11 likes for DM pls support

EY feels kinda...cheap. Are the other B4 like this?!

How do you keep up/in touch with your network? Mine barely post anything on LinkedIn, so commenting on their posts is out of the question, and apparently it's impolite to just message or email them if the job searcher doesn't have anything to share besides asking for a referral or opening. If I don't have any relevant information to share with them, what should I do?

A lot of posts on LinkedIn might as well start with "dear diary....."

What’s the average time spent in an AE role? I’m eyeing an SAE position and feel like I’m already taking on some of this responsibilities

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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?

Any one knows what’s the easiest way to order a radon test for new construction?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

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

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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!

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.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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!!

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.