Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

Can grad students get $20k forgiven if they got Pell in undergrad but outstaning loans are only for grad school?

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Estimated tax payment question:
I converted $30k of rollover 401k into a Roth IRA and have $26k of realized ST Capital Gains this year (Roth conversion in end of Q1 and most capital gains in Q2).
My total federal withholding tax last year was approximately $12k and this year I will have 40% more in reported income on my employer W2 and anticipate higher that $12k federal withholding for my new job. Given this, what is the best way to go about making est. tax payments for the income (continued.)

Well, its a good thing I sold ARKF when it was $55 last year

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.

Why cant we trade UWMC right now???

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

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

Has anyone taken a loan from their 401K for a down payment? Yay or nay on this strategy?

Frustrated by paying so much tax!

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

What is everyone’s take on the NYC housing market? More people and businesses are moving out. I’d imagine it has to continue to dip. Also, they’re considering turning adding more units by converting commercial space into residential space. Inventory is going to be through the roof for rentals. I’d think that has to ultimately impact home prices.

Do you guys factor in how far your parents live when looking to buy houses? My folks are here but I'm thinking of buying in Louisana. Scared to leave them though, haven't ever lived more than an hour away from them 🥲

Any advice for an extremely young, incoming Merrill FSA?

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

Partners, till what age can an SM realistically hope to be considered for Partner promotion?

Is there a way to check someone’s level in Moma, I know you can see yours in Grow

Will IBM revise offer after accepting it ?

Welcome to the bowl

26 y/o JD, CPA, CFP --- what are my odds landing a career with the FBI?

Best books for time management / business skills / inspiration?

My ey folks - does anyone know if there is any independence issues on using Stash and havinng a Capital One Money Market?

Anyone have a recommendation for computer monitors for work? I currently only have one 22” monitor. I’m debating whether I want to have 2 or 3 total and what sizes to get.

Hi TCSers,

If anyone knows, what TCS UK gives in on-boarding kit? Do they provide iphone and macbook for UK employees?

Thanks.

Hi fishes,
It's it possible to move from EY India to EY GDS?
What are your thoughts?

Hi folks 👋🏻👋🏻

Anyone has blue points to exchange? I have 80 bluepoints. If interested then please let me know.

Looking to make a jump. SVP/EVP media agency/client side. 20+ years experience in planning, buying, partnerships, content. NYC or North Jersey
Know any client side recruiters or good agencies looking?

I get crippling anxiety everytime I think about moving to NYC. I've never felt anything like it before.

Let's do a salary thread for SAP consultants:

Post your - Salary - City - Years of experience - Qualifications you hold.

Fishbowl will circulate the data once we've reached 100 responses, so make sure to share with your coworkers.

What do you think of the LSAT decision? Personally I think it might be a little unfair to suddenly abolish it when hundreds of thousands of students have had to take it over the last few years and beyond. But I get that it's expensive. Anyways, good idea or bad idea?

Parental leave: do you have to be at a company or firm for a year before being eligible to take parental leave? Are there any companies/firms that don't have this requirement?

Hi Fishes,
I cleared LTI all rounds and in HR discussion we came on mutual agreement for 16lpa .I have 7 years of experience and they gave me Specialist - Data Engineering(P3) role. And we agreed I will join with after 60 as I had to serve 60 days notice period. I was waiting for offer letter and when I received the offer letter I was shocked to see that CTC mentioned was 14LPA and joining date was only 15days from now ,which is way early.
Continuing the POST (++)

Which ERP solution will be the most competitive and relevant in the long-term?

Currently in Workday Financials consulting and curious as to what SAP S/4 and Oracle Fusion consultants think. Do each of these products address different markets? Any perspectives from consultants who have implemented multiple systems?

Can I negotiate for a longer pre-approval period? I live in a hot market so likely will take longer than 60-90 days to secure something. Or does the pre-approval auto extend without a bunch more paper work?

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

For those who use property management companies to manage your rental properties, what are the services that you really value and will switch out to a different one if not getting such services?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

First house is currently valued at 900k (bought at 500k 7 years ago). We are considering a move to a LCOL city to try it out.

Should we rent it out for $3800/month to make money while keeping it as rental properties or sell it so we can buy a new home property and then invest the rest? Looks like getting financing for second home is pretty tough.

House is in Arlington VA if it matters.

Anyone here used Mynd or Ziprent property (or similar )property management companies? What has your experience been like? Would you recommend?

Looking to buy a studio in NYC (~600k). How low should I go below asking price when making an offer (especially given that the price went down 5% two months ago)? I’m thinking 15% below asking. Location is okay, no view, and a month to month renter in place. Thoughts?

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. 

So I am about to move to D.C this fall for work. I'm really interested in Real Estate and renting places out but don't know where to start. Should I look into getting a license or just putting down money on a place to own and then renting it out? What makes the most money? How long would it take to see income?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Who has done FSBO? Thinking of doing it for 2 of my houses that I’m selling in the spring time.

Is it legal to collect the rent in a separate LLC even though rental property is not owned by the same LLC?

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.

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

For those that built higher end homes, what kind of appliance budget did you have?

Bought an apt in Staten Island; I qualify for a cap gain tax exclusion of $250k if I sell by Nov (5yr mark). Was gonna list in Apr but given shutdown of RE, wondering if tax rules will be eased..

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?