Buying a $650k new build right outside of the bay area (bedroom community type of city). Builder's offering $25k incentive to apply towards closing and rate buy downs. Closing is estimated to be around $10k. Should I do a permanent rate buy down or a 2-1 buydown with the rest? Right now my base rate is ~7.25%

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

Hi folks,
I have a question related to PF online account. If we move to a company that has PF trust, can we see the PF gathered from that company in the EPFO portal?
Can some one help me understand this?
Thanks in advance.

Has anyone been able to transfer BCD to another exchange? Kucoin and Binance wallets appear to have been disabled...

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Abandoning Green Card
Has anybody experience in giving up the LPR status after leaving the US for work and residency in another country/homecountry? I come from a low tax country and wonder whether Uncle Sam will send a final tax bill or penalty fee or even make it difficult/impossible for me to abandon the GC once I will leave the US again. This is crucial for me to apply for the GC.

Should we keep MNLO stock? TIA!

Los Angeles, ACD (art), 34, $150k

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

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.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

$RKT - ceo was just on CNBC and said founders/employees own 90% shares outstanding and there is a 40% short interest as of 1/15/2021 (MarketWatch). Could be another opportunity.

Folks who trade more than a couple of times a day, do you have to have your crypto in the exchange during the non-trading times ? I am debating if it’s safe to keep in the exchange or is there a better way perhaps moving from cold storage to exchange every time ? I know the transaction fee is a killer . Thoughts ?

What are currently the best Canadian credit cards for travelers? Looking for Aeroplan or bonvoy points or companion tickets

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

After a year using my home office setup, especially the 27 inch monitor, how can I ever go back to the traveling life with tiny laptop screen? 😔

When your best is never good enough 🙏

What’s the difference between FAAS and FDD? Also which one pay better?

Have been looking for accounting advisory jobs and can’t seem to find any. Are firms hiring again?

Dear Connections,

I am Milind Shirke from TCS- Mumbai, holding 12+ years of experience in accounts payable, Green Belt certified, knowledge transfer lead, having end to end PTP cycle hands on experience, automation lead, support role in business transformation, business consultant.

Thank you for looking out for opportunity for me in AP domain.

Regards,
Milind Shirke
Mumbai, MH - India

Do companies sometimes offer "gifts of appreciation" if you're not selected for a merit increase? My manager randomly called me to let me know I was chosen for the "gift" this year bc of my "hard work & dedication", except now I'm learning other colleagues are receiving actual merits.
I mean it's possible that I may receive a merit, but I feel like I won't considering my manager never brought it up & the dept update made it sound like those receiving it should know by now.
More details below ⬇️

Will TCS blacklist people who accept the offer letter but don’t join TCS, for any other reason

Is anyone working from TCS coimbatore location?

I am an Oracle apps technical guy(9+ yrs exp)
Got 3 offers which one i should choose please suggest.
Current CTC in IBM - 11Lpa
New offers as below
Cognizant - 18.7LPA (18Fixed +0. 7 variable)
TCS + 19.5LPA (including fixed , variable and retention bonus)

Wipro - 20LPa ( including fixed and variable)

How is global governance team of Walmart for bid data side?

Any pros and cons?

Can someone explain what is the diff bw Assurance and Consulting?

Something funny happened yesterday. Ordered take out for my family and went to go pick it up. I get there mask on, cold, my jacket is zipped to my nose. I'm like I'm here to pick up. He's like"how are you". Im like good. Then he's like"you're not going to ask me how I am". I'm like "sorry, how are you". He said he's good. Then her offers me some tea and was like drink this. So I take it politely. As I'm drinking it taking off my mask, dude is staring at me. 😭😭 Continued in comments

What do consultants do? I see Consultant titles pop up on here all the time and wonder what do y’all do? What are you consulting on? Seems interesting but i I googled and am still confused.

Who's Gina? everyone seems to people talking about in the confession bowl.

Hi everyone,
I joined nagarro in July,22 and my first salary credited in aug,after that i was able to declare flexi and tax components ,then my second salary credited for sep month and it was very less ,bcoz of flexi declaration.but when i calculate declared flexi amount is ~25k ,as per nagarro it is tax saving component which you can claim later.but I am still not understanding why my executive allowance is very less this time from which ,i got in august 112000 and in sep it is ~21k in payslp

Where should a 30 y/o, single male live? wicker park/bucktown/logan square? Or somewhere like lakeview or roscoe village?

Interests: biking, food, art, books, coffee.

Does CGI send any welcome gift to new joiners?

Hi Fishes,
My Appraisal is due this september. Can anyone of you tell me how much hike can i expect.
Cctc:6.5
Designation:Engineer
Exp:2.6
I joined in jan2020 but the training period of our entire batch was extended due to covid. Hence getting first appraisal in sept 2021.
Thanks in Advance😀

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

Any Property Management recs in Seattle area? :(

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”.

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

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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.

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)

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

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.

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

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

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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

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?

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.

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

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

Looking for 2bd or 3bd with garage rent of $2,000-$2,200 ready to move in after July in the Orlando,FL area if anyone has any info. Please let me know! Thank you!

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!