Does it ever make sense to put down more than 20% on a house?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

So should I buy Tesla or too late ?

Do you consider college savings funds as part of your net worth? I can see why you would but then your net worth would decrease pretty quickly once your kid(s) go to college.

What states have a big law market where I can get the most out of my dollar? Also currently work for CA firm, if I move to another state does the state tax rate switch to where I live?

Fully remote and looking at a bicostal lifestyle. I’ve found some nice long term furnished places, but where can I find a monthly rental for when I’m not at home base. I’ve looked at Enterprise and it’s roughly 2,000 a month for a compact. If I’m going to pay that, I’ll just lease a Urus for 18 months and save one or two hundred😂

Anyone else into Bank Bonus churning?

Any Deloitte people trade on robin hood?

Money Transfer - what's the best way to transfer money from India to the US? I have an NRO/NRE account but the only reservation I have using it is that they don't give a good exchange rate.

Any advice, suggestions and recommendations of other apps that have worked for you? Thanks

Why so red? Any stocks good to buy now?

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

For full timers, what percentage of salary do you contribute to your 401k and how old are you?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

Owning real estate is overrated, I’d rather rent all my life. Change my mind.

Heading to Buenos Aires and Montevideo tomorrow. Will be in each city for 1 week. Are credit cards widely accepted or do I need to exchange cash before I go. Thanks!

How many of you max out all tax-advantaged space, i.e. 401K, Roth, and HSA, and is it doable to live on what's left?

I am unable to log into the ionboard portal. Anyone facing the same issue. Please let me know.

Has anyone else told their religious parents that they were moving in with an SO before marriage? I did, it didn’t go super well- they disapprove of it (cont)

Hi Fishes,
Can you pls confirm the difference between 'Job Level' and 'Management Level' at PwC?

Hi fishes, I recently joined Accenture, I am from manual testing background and they put me into monitoring team where we need to analyse errors looking at codes, logs and resolve it and the KT that is being given to me doesnt feel enough when I raised concern to TL, TL itself is blaming it on me that I qm not able to understand what is being taught, I am not able to work in the project at all, I requested for roll off within a month, will this imact my career at accenture? someone please sugges

JPMC is looking forward to retain me by matching the salary...
what should I keep in mind before accepting the retention

Openings in M&A consulting, private equity. Dm for referral!

I’m in SF working in-house and considering moving agency-side for the first time. Can someone spell out the comparisons for me? Specifically curious about $ and the work-from-home life. Thanks!

Confession: I have a dirty mouth and serious swearing problem. I'm that coworker who constantly mumble swears and dirtiest words just flow off my tongue. No ones complained yet. Should I be worried?

Hi,

I have a total experience of 5 years in java and AWS. My qualifications are BTech in computer science from symbiosis.

My current CTC is around 14.5 LPA. Want to know what's the norm going around rn

Good places to go in December? I was thinking Portugal - but heard it gets cold cold. Any other recommendations?

I have joined cts US in 2015. Moved to cts India in 2018. What is the notice period if I resign now in cts ?

Anyone go from a congressional or govt affairs background to an MBA program?

Need help with preparation for AWS Cloud Practitioner certification.

Lets us discuss why Indian companies expects/forces/ us to work more than 9 hours but in timesheet we have to fill 8.
Managers schedule meeting after office hours and expects us to be available always.

Sorry to say this but I have seen only Indians who work extra hours. What's even funny is that the upper management laugh at foreigners who work exactly 8hours.

Should we not change our mentality?
What should we do to not follow this anymore?

Where can we check legitimate cutoff for Canada express entry PR?
How often do the results come out? is it every month?
After submitting your profile in how many days can one expect to get Invitation?

How can I get passed cynicism?

Having struggled with visa for the past ~6 years, I have become extremely cynical. I don’t trust real friendships anymore because friends turned into competitors or got too burdened to maintain the friendships.
I feel somewhat disgusted when my coworkers or managers tried to “build rapport” with me.
I understand the value of doing so, but my repulsion inevitably showed through my apparent desire to end small talks as soon as possible.

Anyone hiring for entry level risk compliance roles?

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

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

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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?

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. 

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!!

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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?

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

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

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

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?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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...)?