First time home buyer advice?

I’m open to ALL advice. For context, currently looking to buy a condominium/townhome in the ATL market.

So...bonus was abysmal and I whined...but I had no idea that the profit sharing would be even more pathetic. Fuck this shit.

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

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 ?

Does someone with a Lufthansa account mind checking for me how many miles I would need for a 1 way business class ticket from HKG to ORD on 7/28?

I would check myself but they require 7,000 miles.

Thank you so much!!!!!

If I've maxed out my TFSA, should I continue investing through an RRSP or a personal investment account?

For context, I also have a good pension. My main concern is that while the RRSP will be nice to lower my taxable income now, I'm worried when I retire I'll have to withdraw too much from both the RRSP and pension. Thoughts?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Did anyone randomly get a $250 deposit in their account from the government? I think it’s a child tax credit but I don’t have kids. How do I investigate this?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

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

Can rotate throughout the year 😂

At Johnny’s Hideaway in ATL. Ask me anything.

4th year associate, 200k student loans—think I’ll be able to get a mortgage even with loans? Looking at a place for 450k. I have 3.5 years public interest work that counts towards PLSF and I plan on going back to government so I really don’t care to pay it down.

Has anyone used Calendly to help track the dozens of interactions and calls with recruiters and agencies? I am either spending hours on the phone scheduling or being ghosted even if I reply within the day I receive the job description and invitation to talk.

My skills are under the umbrella of risk management, business analyst, business systems analyst or risk analyst… there seems to be high demand and I’m looking to stay organized and set myself apart by making it easy to schedule time.

Every single patient should be asked about their advance directive or living will.

For those of you who had miscarriages after IVF, was there an underlying cause? Did you do genetic testing of your embryos? Did you do frozen or fresh transfer? Are there any ways to minimise chances of miscarriage during ivf?

Any international transplants here? Coming from Portugal!

anyone hiring? 🙏

Anybody could refer me to Deloitte.
I'm happy to refer anyone to EY as well.
Thank you

Any openings for a 8 year exp in transportation and logostics domain.? I am working as senior consultant currently.

Sometimes being a manager sucks. You have to powder butts both above and below you. #BabyAssociatesandBabyPartners

Any MNCs hire me If I performed well in every phases of the interview and I have 2 backpapers in my B.Tech degree course??

I just want to say... moving suuuuuuuuucks

How dangerous is crown heights these days?

Seeking a sublet / pied-a-terre situation, ideally in manhattan near soho. 1-3 weeks every 1-2 months. I can give more details via DM!

It’s hard to trust the partners/leadership when they want us to return to office as being better when we increase offshoring? Also, the pressure on billable hours when all that really matters is how much our fixed labor costs vs. how much we can bill (which is usually fixed fee or at least a range) and the fixed labor costs of offshoring is significantly cheaper so the hours don’t matter. Am I mistaken by this viewpoint?

I know this is small dollars, but my firm only pays $25 per months for my cell phone. We all work remotely, so using cell a lot. Is it silly for me to push for full reimbursement? Is that pretty standard?

IBM Tata Consultancy Accenture Infosys EY Deloitte Has anyone rejoined in Infosys, what is the rehiring policy. I have served in Infy for lessthan an year in my first stint. Now I am trying to join Infy but my rehire flag is No. Anyone has idea on this rehire flag. Thanks in Advance.

Has anyone ever been "let go of"? Either laid off or fired. How did you get through it?

Going to Italy end of October, planning on visiting the Lamborghini and Ferrari museums. Which Ferrari museum is better? Modena or Maranello? Or is it worth it to visit both?

Has anyone ever had any luck applying for a hybrid job and convincing them to let you work fully remote? I'm seeing a lot of hybrid postings for my role but not a lot of fully remote ones.

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.

I saw this townhouse in a prime location in my city for $350k (cheap for the area). The floors are all messed up though but the buyer said they’ll either lower the house price or give a credit for closing cost. There’s also a lot of nicks here and there (some locks missing from door, dents, scratches, stains, and some things are loose). But overall, the house’s architecture and design is so beautiful. Would it be worth it to get it and fix it up? Or find a newer house with less maintenance?

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. 

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.

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)

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

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

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!!

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

Hi - any good books recommendations for getting started on real estate investing?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?