Does anyone have a good practical guide / book on getting started with small multi family real estate investing? I’m in Canada and am looking to avoid hype books to get to the practical need to know details. I have between 250-350k to invest and looking to scale as quickly as possible

Who else here worked full time to put them self through school and is currently shackled to student loans?? 👋🏽

Hi Fishes,

Suppose we have pf of 100000 per year and i have 2 LIC along with it worth 70k. While investment declaration, Do i need to fill 70k as in 80C?? Where exactly pf will come into picture in 80C . Do we need to specially mention it by somewhere of it will be taken care by employers.
Can someone please let me know about this , this is first time I am coming in tax slab.

I have declared 1.5L in 80C on HGS portal. However major chunk of that amount will be invested after Jan. What should I do on being asked for investment proof in Dec? And what will happen if i am unable to produce the proof for 1.5L declared ?

My wife and I are 25. What are some checkpoints if I want to retire at 55? What do I need at 30, 35, 40 to make that happen? My number is $3.5 Million.

Me - 25 yo, $80k income, $20k bonus
Wife - 25 yo, $65k income, $5k bonus

Our net worth is at about $32k right now.

Personal finance book recommendations?

Where do you all want to retire? Share your retirement location goals and reasoning!

Sheraton now charged my personal card AGAIN TWO WEEKS IN A ROW. I didn't even give them that card WTF. How many points should I ask for? Didn't ask for any last time as I let it slide but now?!

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.

My TCS form 16 shows total amount deducted for health insurance premium. In ITR 1 you need to put premium for self and parents separately. So how do you show it in ITR1? Tata Consultancy HCL Technologies IBM

Is it safe to link my bank account to Robinhood? Putting in my password there makes me nervous.

What're the best finance related instagram accounts to follow?

Is this a good time to send money to India or wait I feel with covid on rise in India .. rupee will become weaker. Any thoughts?

How do you know if you’re being too picky as a first time home buyer? Or is there no such thing as too picky? So discouraged by what I’m seeing 😕

How much deposit is more as per standard in Pune such as 2 month or 3 month rent?

Looking to transfer my Hyatt points to another travel company- hotels, airline etc. Which company would be the most efficient to transfer my points to AND most efficient in redeeming the points?

Stupid question:
How do you sell crypto according to longterm vs short term tax depending on when you bought the crypto?
For example: If i bought 5k of BTC in March, and 5k in April, how do I make sure I only sell the BTC i bought in march so I can get the 1 year long term capital gains tax? Or is it all blended?

I am going to move to a well reputed organization from a budding startup after working in it for more than 2 years. What is the percent of hike I can expect if I was working below par in startup expecting it to grow and be part of the management when it would be big. How should I negotiate and put forward my point. Thanks in advance for your suggestions.

Seriously need suggestion
Between CG AND HTC which is better.

Hi folks,

Anyone here who is CIS-HR certified.
I need dumps for exam preparation.
Please reply to this post.

Hello Fishes,

My LWD was 20th November 2022 but my manager marked 5th Nov as my LWD on workday. Do I need to pay settlement amount for early release?

In my offer letter in job title it is just mentioned as Business Analyst - GSC ang there's no mention of GCB, though in the Soft offer it was mentioned as GCB5 - BA. Is it discrepancy in Final Offer Letter of not mention of GCB? Do I need to check with HR?
Can someone please guide on this.

I am a Financial & Strategy Consultant (15+ yrs exp in Banking, Climate/Project Finance & Strategy Consulting) with a pending EB-2 NIW case. I got a request for additional evidence from USCIS. Most of my letters are from known experts. They want me to submit independent expert letters from people who can talk about the significance of my work to the Financial & Management field and US interest, from non-familiar persons. Anyone willing to write me an expert opinion letter highlighting above?

What is everyone at PwC's utilization YTD? Worried with a lot a new hires market wide utilization will be below last year

Applying as a first year to risk assurance positions at Pdubbs, will this cause me to lose my current job? It is a move I’m interested in but I also don’t want to shoot me self in the foot

How strong is the Org Design group/practice within PWC People & Organization? Looking to potentially make a move

Hi Folks,

Please refer me I am imediate joiner looking for opportunity in Automation Testing
I have total 3.5 years of experience

Does utilization gets affected if you take a personal leave?

Has anyone completed CAIA? If so what’s the timeframe to completion like? Thanks in advance!

Hello,
Anybody who can guide me into getting a job into Salesforce field in Toronto, Canada

What would you do with a preparer that always turns in low quality work? Worked with her on 3 different clients over 2 years but barely saw improvement. Hate reviewing incomplete work full of errors

Consulting Band Names?

Looking to buy a fixer upper duplex to house hack soon... If I put new floors in, would you go with laminate hardwood or laminate vinyl?

I obviously want durability at a cheap price, but while I'm living there, I don't want the floors to be super cheap... Any advice?

Just got a quote for 30 year fixed rate mortgage at 5.99%. Thoughts?

As a landlord, could I keep flood detection sensors in the house so I get alerts?

I’d like some help evaluating the best deal. Airbnb potential house/ back house in Texas (furnished for $570k) Airbnb would break even (~3600)and most of not all of mortgage while I live in the back unit. Turnkey but not sure about appreciation or value. OR triplex for $625k that generates 4500/month, it’s in a questionable street in an amazing zip code.

I plan to buy a house next year but keep my current one.
Can the potential rent from my current home be used to qualify for a mortgage for the next house?

Can someone with airdna premium help me out with access?

Hey all - Anyone think buying land is a good investment? I'm considering a couple of acres in parts of Virginia (near Culpeper and then closed to the W VA border). Plan to keep it for the next 15 to 20 years.

Outside of annual property taxes, what are some factors I should be considering before I make a decision? Thanks!

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.

Is there an app to target specific houses or streets for when they go on market?

There are certain houses located along certain portions of some roads that I don't drive by regularly. But I would love to know if any of them ever go on the market.

I was thinking it would be great to have a Google maps like app that you could browse and select a bunch of houses and eventually get a notification if any of them ever go on the market.

Or, is there any other low effort way of doing this?

Anyone have success writing a letter to a home owner in this market? Any tips and tricks? Thank you in advance!

When do you anticipate it will be a buyer’s market again? (NJ/NY)

Do EY employees get extra discount on rates for any mortgage ?

Anyone selling an investment property in the northeast? New York, PA, NJ preferred. My family and I are looking for our 1st investment property so wanted to see if anyone had good deals that Zillow doesn’t normally offer

How does the mortgage for a rental property work? I have the required down payment. Do I have to prequalify for the entire amount even if the place will be fully rented?

Anyone in California familiar with SB 9 and 10. Curious if you lot split a single family home that is currently zone multi-family as when I was reading the bill it said it was for single family. Just wondering if anyone might have any insights from their research. Thanks!

Contractor quoted me $11,000 to clean out a 3rd floor walk up attic of blown in insulation (25’x40’) includes removal of floor boards, vacuuming of blown in cellulose insulation, installation of fiberglass insulation, demolition of walls in a small (20x20’) and that’s about it. This is in Massachussets. Am I getting ripped off ?

Our RE agent found someone to sublease our Chicago apartment that we don’t need anymore. We live in a different state, so we cannot move out the stuff on a short notice. Any ideas how to remove mattresses (<6mo usage) without flying back? Maybe any donation spots that would pick them up?

Currently looking at out of state multi families. For rents that aren't advertised on Zillow/redfin, is there a way of finding out what tenants might be paying aside from looking at comps? Is there a way to filter the search to only include listings with this info?