Any tips on how to structure a home purchase for an unmarried couple in DC? We’re unmarried (plan to get married in the future, likely after this purchase) and the down payment cash would be mine (at least 150k-200k, so it’s a significant number). Does it make most sense for me to buy and him to pay me rent - say, half the mortgage? How can he earn equity along with me in the long term? From legal POV, any premarital asset considerations…? TIA

Moving to Austin end of this year, with a new baby.

With ~$500k HHI and almost no debt, in which neighborhood can we practically afford a house? We do outdoorsy stuff (mtb biking, kayaking etc.) and also have a dog that likes to run.

Any suggestions are appreciated! 🙏🏽🙏🏽

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

Marcus HYSA rate cut down to 2.0% :(

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

Ally bank dropping rates again. CD a good choice?

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

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!

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

Thoughts on DKNG or PENN? I think it’s a good long stock as more states will confirm to legalize online betting. Both have done amazing this year but wanted to see if anyone has some thoughts on this.

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

Anyone have a crypto kitty?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Do you use a tax preparer? How do you find a good one? Do they need to be local?

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

What are your thoughts on Tesla stock ? Do you think it will reverse next year ? The company is in very good shape , it is getting smashed because of the twitter drama alongside high interest rate but i think it is very cheap stock today when i think about future prospects

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

I hope this is still a living bowl.

Hi Fishes, Is it possible to process h1b as cap exempt if I had worked on USA in h1b status for few months and if the visa is expired now, once I join a new employer.

Thoughts on Roland Berger’s Dubai office?

Possible to pass BEC in two weeks?

Was just reached out to by someone from Barton. They say they recruit people for day-by-day contract work for PE firms. Are there any other firms that do this?

Any WD CM consultants here? Feel free to message me if looking for a new opportunity

Is mphasis job secure to join for 22 lpa. Yoe 5.6
Domain : java

How people are getting hired at 15-20 Lakhs if they don’t know in Hand Salary basic calculations. Asking basic questions here.

Anyone else listen in on the TL;DR Live the other day? Thoughts on that?

Going to an office to meet the team and see the office after being offered a position. After much thought I think it is best to stay at my current position for now. How do I go about declining an offer/ask for a day to think about it?

Hello, I've been working as a Healthcare Consultant for over 4 years now & I am currently a Consulting Manager near the Philadelphia area seeking an opportunity in NYC. Anyone know anything avail?

Anyone have experience during these Covid times with getting a job offer from the big 4 & asking for it to be part of employment agreement (just like the salary) to have an hours cap? I don’t want to go over 55

I’m currently a Grade 11 at Cisco. With the recent pay structure changes my annual comp will be $150k + 12% bonus. I live in a large metro area in the middle of the US. I’m looking to move around the company so that I can make commission but I don’t want to be an account manager. Can anyone tell me if there are Customer Success Managers, etc positions that manage customers post sale and have a similar range base as me with commission plans? I’m just trying to understand income potential.

Does anyone here know much about the tax department at Liberty Mutual? Been talking with Liberty Biberty and can't get a great sense of how much WLB there is and benefits. Would appreciate any insight, TIA!

Is Art Director’s Club (ADC) worth submitting work into for their awards show? I know its not on the scale of Cannes or D&AD.

Salary credit timings? Icici bank

Just moved in. How do you make friends in this place?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

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

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!!

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

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

Any Property Management recs in Seattle area? :(

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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!

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

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

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Can I get a commercial loan without 25% down?

What's the best city in UK to buy a buy to let property, with best returns?

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?