Considering buying a 420k rental putting down about 40%. Rental income is 2600 with a cap rate of 6% thoughts? It cash flows but I don’t account for vacancies and capex for now since it’s a newer unit

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Is this the official Amex Fishbowl?

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

I am going to buy AntShares aka NEO bigly. It has a potential to go to 100$

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

Hey 🐠, crowdsourcing opinions: what are your thoughts on housing prices in Toronto. Im looking to invest and was thinking of a detached home around $1M in the city. You all think its better to wait another quarter or so before pulling the trigger?

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Have you received a performance evaluation that you did not agree with? And how did you deal with it?

Planning on leaving after this busy season. Finding it hard to have motivation, while also having to work more hours than ever before. Advice?

New to this. Is it typical for a firm to ask a staff to do the work of a senior for a year to show that they are ready for a promotion?

Accenture strategy put my candidature on hold. Is it same as rejected? Or can i expect a call back?

Anyone here a Product Mgr at Cisco? Would like to connect to discuss the hiring process, and get some pointers towards prep

Took Diclegis today based on the group recommendations and just want to stop by really quick and give a big shout out to the angel who recommended it. I was literally living a death situation with the nausea today and that really picked me up and made me feel human again. Thanks

My brilliant team is being dissolved. My team is what made the work so enjoyable, not the job itself. I’m feeling pretty…stunned, I guess, and nervous about going through this again in the future.

I have an interview with EY for Associate Product Manager position in Consulting. Any tips would be helpful. It’s first round and hopefully more after. Thank you for your help and suggestions.

Is it worth pursuing a management position coming from being an engineer? What is your opinion on trying to go this route?

I'm feeling overwhelmed by my workload, but I don't want to ask for help because I fear looking like I'm unqualified to do the job. What should I do?

Hi Fishies, Im a application suport engineer with 7 years of experience. Java and dotnet, sql application. Please refer me for opening with immediate joiner

Can anyone help me with a referral in big4?

Skills: Devops & AWS
Yoe :4.5

Bain or BCG? NY entry level

Angelenos - is it still worth it to transplant from NYC? I know with everything going on, it's a mixed bag, but I'm feeling the move. What do you think? Is LA still the best?

Recommendation for a CPA/ financial advisor in NY? Have oversea assets and investment property in the States. Can't seem to find anyone legit on Yelp:(

Hello Anyone from the Database team available from HSBC pune location

Anyone know of any exit opportunities that don’t require a case study interview? I hate them so much 😭.

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?

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?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

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

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

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?

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”.

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.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

Any Property Management recs in Seattle area? :(

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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!!

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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!