Are down pmt assistance programs like the new CALHFA one worth it if you qualify? Essentially right now for CA residents, they give you 20% interest free dwn pmt loan that you either pay at the end of life (30 years) or when you sell your home or when you refinance a second time. If you sell or refinance the secind time, they also get 20% of home equity too.

Other qualifications are:
1) must be first time home buyer
2) must meet certain income thresholds
3) homemust be primary residence for 1yr

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Guys ..
When will final settlement take place? What will be the components of it?

Advice for doing consultations with a new client and trying to convert them? Feeling the pressure now more than ever to bring in money to the firm.

160k TC, 125k salary in Seattle. How much should I spend on food/rent - can you give a conservative range?

I would like to maximize savings but not live with roommates/in a <400 sqft apartment

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

EY Fish, coming over from PwC. Does the Roth 401k have ability for in-service withdrawals (eg. mega backdoor Roth)?

Hey Fam, I’m thinking about doing DIY investing/passive investing. What broker should i use? I already have a wealthfront account. But I’m thinking doing it myself will have less fees. Thoughts?

what's the big deal with all cash home buyers ? this is who we're competing against and I don't get it if all things being equal, it's still the same amount of money. my husband and I are getting outbid on homes for the same offer amount solely because the buyers are paying cash. What am I missing other than the sellers are getting their money faster?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

HYSA anyone recommends?

Does anyone have any book recommendations for information on buying a house?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?

I’m graduating in a year. Will be working as a consultant in Chicago. Want to begin real estate investing. Thinking of house hacking. what’s the best way to start REI after graduating?

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!

What is the best way to create a budget for yourself? I always find myself overspending and digging myself into debt. It’s so easy to just spend what’s in your account.

Going through a closeout. 50-50 profit share allocation, but my business partner has been using the venture money at their personal piggy bank (hence the breakup). My accountants say because we agreed to 50-50 shares, the leftover money has to be divided equally.

They spent $100k in the last month on random "work stuff" but bought a new car, etc. Now I have to pay for it with less equity return!

Just wanted to rant, I'll probably never go into a partnership again.

Thinking about buying a house in La Mirada and start a family soon. Any thoughts on La Mirada area?

Anyone have a recommended tax person in Chicago?

Hi I have 2 offer one frm Crisil as a Private Equity Research Analyst offer of 12fixed
Other from M&G as Asst Mgr for Research profile offering 14fixed + 75kjb. I dont know how to compare. One is Client side research and other is Buy side portfolio monitoring. M&G team will be a new setup. Can you help evaluate?

Can anyone recommend an amazing tailor in RN/Gold Coast/Streeterville? Wedding szn is here and I need someone to hem a black tie gown. Thank you :)

Ayo whose company just pulled up to Ladder in suites??

I really like finance, but I want to be a sole proprietor. Any ideas of what I can do besides making my own hedge book?

Hi Fishes, I'm in a huge dilemma now. Im currently working with TCS and my CCTC is 10.29 LPA and I hold 2 offers, one with with Bank of America for 17.5 LPA Fixed and with CTS for 19 LPA.
My last date is Dec-30 and I received a call today from TCS HR for retaining me for 16 LPA max.
Earlier,before the call I had Bank of america in mind ahead of CTS for its work culture ,hike %, job security and other benefits. But here in TCS also I have very good role, job security and comfort.Please suggest!!

What should I aim to ask for a Senior Consultant position at EY FSO performance improvement group? 2.5 YOE, CPA, HCOL

Anyone do any work in web3/blockchain/metaverse?

There’s a practice group that I’ve been trying to find work in but whenever I volunteer to help, I always get roped in to do non billable work. In the beginning it was fine but now I’m feeling it’s never going to amount to actual work. Any tips to get more involved without all the non billables and how to approach this gently?

Anyone hear of Fairmont Consulting Group? Boutique firm based in Boston, wondering if anyone has experience with them or dealing with them? TIA

Hi Fishes,

I am about to have HR discussion for Assistant manager Analytics.
I have 5.6 YOE , CCTC - 14 LPA

How much would you guys suggest I should ask?

Thanks

Hi team. Hope you all are well and safe.
I will be joining Accenture in two weeks, want to get some understanding on the current policy on remote work and return to office date if there is one.
I am currently in Seattle, WA, USA.
Thank you!

Going through first full cycle with EY as Advisory PI Manager in Tier 2 city.

What in your experience is average raise for high performer vs meets expectations?

Anyone joined IBM GBS recently... what are the contents in the welcome kit/ goodies?..which brand laptop are they sending?

What's the variable component in s&p global , HR is saying only fixed component will be mentioned in offer. Pls guide...

What is the use of earning badges in Level up? Is there any advantage to this?

I currently do planning system implementation at SC level. Quite technical stuff and less PMO. What are my future career possibilities from here onwards? Can I keep progressing in the standard ladder and keep doing implementations, or is it automatically going to end up becoming more are more sales oriented and less actual implementation work? Especially interested in the SM level and above. I’d prefer staying at Big 4 and avoid the supplier side.

Hey Fishes, I feel the RTO policy in not getting enforced rather it is getting imposed it seems (in ZS across offices). Suddenly from being employee centric they have shifted their focus to ZS culture and values. Let the thoughts pour in!

Hi Team,

Few days back I had a post stating that I would be joining one of the consultancy by end of this month, my question was will my joining date be impacted due to the current tech layoff. Is there a way that the new employer can monitor the post and take necessary action?

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?

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?

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?

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?

Any Property Management recs in Seattle area? :(

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!

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

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

I closed on a new build a few weeks ago and now the same home is available for much less with the builder offering all appliances, additional credits, and buy down of the rate. Is there anything I can do to get now? It seems unfair that I paid more and didn't get the incentives.

Recently got married and about to rent both of our properties and buy a new house for us. Is there a financial gain by creating a business for our rentals? As in a tax break for that income?

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.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

How much importance do you give to proforma numbers when purchasing an investment property?

Do you thank your tenants for paying the rent? A quick thank you text?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

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?

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.

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Has anyone here used New Western to buy real estate deals?