Any recommendation for house inspection of a new construction in Shorthills / Livingston NJ area? Don’t think i should go with realtors recommended inspector owing to their vested interest. Also, things to def keep in mind? First time home buyer 🙏🏼

Holys*it, the seller accepted my offer, i’ll be owning a condo. Surreal! Did i make the right decision in this environment??? 😱

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Hi,
Anyone has idea about remote consulting opportunities in Kuwait. I mean how doe sthe tax structure work for the location? Would be beneficial if someone could help me understand it better.

Guys need your suggestion here.

Please help me with my decision.

I am 32 divorced and I have decided to not marry again also i don't have any other other responsibilities /loans etc.

Currently earning 18 lpa and I am planning to buy a car which is worth 16 lakhs. Should I go ahead or should l lower my budget as per my current salary package

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

What percentage of your money do you save, invest, allocate to retirement, & spend?

Guys, what platform do you use to trade US stock?

If I invest 50k in NPS, I would save 7k this year as per my tax calculation. Is this a good deal? In general, I don't like such long term investment, maybe I'd start that when I'm 35 but not today.

Will Amex restricting guess access for Centurion Lounge actually make any difference?

I can see short term changes but the way Amex has been aggressively marketing Platinum card, we just will have overcrowding of primary card holders 🤷🏻‍♂️

What's next, everyone has to spend min. 50k a year to get Centurion lounge access or pay per visit.

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Just gained some shares of a new stock due to a spin-off. I have owned the original company for years. Can I sell these shares now or would they be counted as short term capital gains?

Does anyone know if Visa’s 401k plan allows for a mega backdoor roth?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

£30k lump sump cash in UK, how to maximise returns within a 15 year time frame tax efficiently assuming liquidity is not required?

Best money-tracking app out there? I've heard good things about mint???? 🤔💸🤔💸

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Can anyone tell me how to invest in gold or silver? I'm going to sell my home and need a profitable and somewhat safe method to invest the money.

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.

34M. Just left the office. anyone up for a drink?

Overwatch is $20 on PC, thinking of picking it up?

Does anyone from the northeast regret moving to Miami? I’m from NYC. Mid 30’s, single. Don’t know anyone in Florida except for 1 friend in Orlando. Trying to get a gauge of how things are down there before I move.

Hi Fishes,
I have to transfer my PF amount to the accenture PF account. My previous organisation was PF exempted organisation. Once I submit the online transfer should I send the hardcopy to Accenture as well

Hello Everyone , Do I have to claim internet reimbursement every month in Accenture to get 1000 rs per month internet reimbursement ? Or It can be added in monthly payout if I don't opt for it ?

Top 2 cryptos people are invested in LT and why

I bought solar lights off Amazon from the US but I want to take them to my home country in Asia. Does anyone know if I’m allowed to take them? They have lithium ion batteries

Hi everyone

Being a self motivating person still feeling dejected it little demotivating.

Trying from all resources including Naukri ,LinkedIn,instahyre and many more ways includeind sending mail to the recruiters.
But not getting any desired role or company . Makes me feel disheartened,feels like will have to wait a very long to get something desired.

Total ex : 6.3 yr
Skill: functional,manual,API testing .
Notice period:30 days

Your generous suggestion n comment will help .

Are there any recruiters who are currently actively looking to fill roles within start-up like companies? I have a background in accounting/compliance and was wondering if there were any start up companies within open roles in that space. Additionally, I’m also looking to connect with recruiters who are looking to fulfill account/compliance roles in general. Okay please reach out if you can help me get visibility with your clients. Thank you!

Can someone please let me know what is the maximum salary that Deloitte India offers to Consultant?
YOE : 4.5
Current offer from Deloitte: 16 fixed
Offer from another MNC: 18.9 fixed

Will Deloitte India be able to match the offer if I renegotiate?

By when salary will be credited to accounts? Can anyone say where can we find payslips?

What is the salary range of Manager in SAT division?

Would you leave external audit for internal audit even if there is no base increased, just sign on bonus? Been having an awful year round busy season and I’m just done. I have heard from multiple sources that WLB is better.

Hi how is HSBC client in LTI ?

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

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

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

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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).

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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. 

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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!!

What are your opinions on financing furniture purchases? Most of the big stores are offering 0% for a few years and I’m wondering if there are reasons I shouldn’t do it

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

How can I invest in real estate ? Looking for an additional passive income source

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”.

About to get a home improvement loan. Any recommendations for a lender? Also looking for general advice. TIA!