About to rent out a house for the first time. How much security deposit can I require? It’s a nice, newer house so I want to be covered. Is there a legal limit, or best practice? How much is too much? Thanks.

Hello :) I am moving locally within the Bay Area in couple of weeks and all the movers & packers I am getting quotes from, prefer to be paid in cash (there is a convenience fee with credit card payment). What are the advantages/disadvantages of either method of payment? Thanks :)

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

Are investment properties good for retirement?

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

Is QEF inclusion dividend or not? Sometimes, I see QEF inclusion reported on Line 11i and sometimes on Line 6a. I think we can rely on Sec. 1293(c) but I think it’s not foolproof. My hunch is since QEF regime is tailored to treat the PFIC similar to domestic mutual funds, we should not treat the QEF inclusion as dividends. Any help is appreciated.

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

Is it too late to buy the FAANG stocks? Still feel that Amazon and Google are undervalued.

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Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

How do you effectively plan for retirement?

Most hedge funds aren't really truly “hedge” funds, they merely attempt to beat a market benchmark.

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Para 3

still there’s not a single good word spoken for me from her side. we do not have any understanding between us, i come from a conservative middle class family, even though i earn well and life is not difficult for me, i live way below my belt.
She and her family has threatened me and my family, that if things don’t fix between us then i will have to bear the consequences, they are rich and wealthy, they will implicate fake legal case against me and my family.

Hi can anyone please share me the work environment in Mphasis Hyderabad as Senior Software Engineer ??

What are your thoughts on staying in very Indian tech community for very high prices or living in slightly less expensive school zone that’s more diverse? Looking for parents who have gone one way or other for pros and cons list

Love consulting, hate all the admin/big4 overhead that comes with it. Who's with me!

Men in your 30s and 40s - what is the number one quality you're looking for in a woman? I like to think I'm compassionate, intelligent and independent (as much as any other woman), but I'm still struggling to find dates. I would say I'm attractive, and I take care of myself pretty well. What am I doing wrong?

Got an offer from ba continuum for senior analyst role GIB pitchbook team. Confused about asking package, annual increment, work life balance and appraisal cycle. Do they give regular promotions to their employees??
TIA

Can you still earn status under the old world requirements if you have not combined? Trying to see if I can score an extra year of plat before I combine but idk if stays will count now, merged or not.

Hello Fishes,

Which Is better company to join for optum or ey?

Thanks

Does anyone know what a chief sonographer should make? Managing 15 employees and 4 locations?

Hi Fishes,

I am thinking to diverting my career towards freelancing in accounting.
For that I have to resign from my current job in Pwc. I am thinking of starting a job as accountant and work as a freelancer as part-time.

Any thoughts or advice?

Quarantine has really made me think about life. If I can’t scuba, then what’s this all been about? What have I been working toward?

Share your worst client experience? New hire here, just led a bad meeting. 🥵

Is Toronto as boring and quiet as this bowl ?

How is Xoriant pune for automation testers? Also how is job security in Xoriant as one of my knower is on bench since 3 months since joining. He is worried. Guys Please suggest.

Starting a new in-house role tomorrow after almost a decade in litigation at small/mid-sized firms. I’m feeling pretty scared! Any words of wisdom?

Ps5 vs Xbox. Which ones better?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

Are commercial properties getting inflated like residential? Thinking of getting into commercial to extra income.

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

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

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

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

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.