First Time Home Buyer, in Growing area, rough street

Hi, I found a house in a big SE city think ATL, Nashville, CLT. It’s a 1950s 4 br 2 ba, detached garage, close to the train that goes through the city, close to downtown, walking distance to my gym and in one of the fastest growing areas of town. The problem is the property might have some issues with it, need to confirm about the foundation and hvac, and the street has rough people. The house is right in front of a 24 unit apartment complex

Google stock to buy now or after the split?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

How much are you all paying for yard work and house help in the bay area? New to the city. New house. And no time to take care of these. But also worried about spending too much

What are some good modern/post-pandemic personal finance books you can recommend?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

If I max out my 401k before the end of the year, I am still eligible for employer matching?

Thinking about making the switch to BDO! Is there a traditional pension, like in B4?

So what do you think of Scoped Storage ?

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

Thoughts on living in Bushwick or Ridgewood, is it worth the cheaper rent/more space?

I’m considering investing into a special purpose vehicle (SVP) that would invest into a first round capital raise for a cannabis saas company...what are some of the key questions I should ask/consider? The company has already received seed capital from a couple big names.

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.

EPOR a solid first option trading choice?

Newb question: I’ve heard a lot about never selling your BTC and borrowing against it. I like the idea considering I don’t have much. How exactly would that work?

Hi team ,

I have started working from jul2019 and I have filed my tax return for 2020 and 2021 tax years.


However I note that there was withholding of some amount in 2017-2018 and 2019 tax years ( withholding from comission received from insurance commission from lic and United india)

I have not filed 2017, 2018, 2019 return as my total income was less than threshold

Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

Thoughts on ARK innovation ETF

Fellow EY 🐟. I left EY recently after two happy years there. How can I get the pension money back? I had around $1500 there and they are not able to help in EY-HELP3.
Can I at least do a rollover to an IRA?

Be careful of a growing subculture of politics with the new leadership team in place. This is a place where it is more important to get along than to get things done.

Can we pay rent to our parent?
What if my parents are in other city and I am living @ my company's location which are 700km away from each other. Can I still show that I am paying rent to my parent?
Please help as this is my first time coming under tax slab

Anyone looking for case partners for casing practice .Just to let you know I know basics of casing and their types but not much experience .Would like to partner with similar or experienced folks

Stupid Question but what IS tech trans? I’ve seen the chambers/vault articles & firm descriptions but I still don’t get it - are you specialists that support deals? Do you manage M&A/capmkts deals for tech clients? Is it mostly commercial contracts? Is it mostly ECVC? Tech Trans lawyers: what’s your day to day like? How is your practice diff from other Corp practices?

Does Omni have a mobile app? Can’t seem to find it anywhere...

What are the best consulting companies to work for in life science consulting? Specifically for supply chain.

What is job requisition number given by her of Capgemini

DM me for referrals!

Just raised my first snapshot.
We can't see the review?

Hello Professionals, I am Qualified Chartered Accountant with one year experience post qualification . Currently working in Deloitte India - Risk Advisory service, looking for job change. Preferably Internal Audit. Let me know any vacancy apart from Big4s.

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

How does roles at Big 5 banks work? Just saw a director who was 4 years out of a undergrad.

Salary check. I am currently an in house attorney. 12 YOE. Large company with great coworkers doing regulatory work for the insurance industry. Good work life balance. I live in a high COL city. Out of curiosity and to test the market, I interviewed at a FAANG. Did not get the job, but found out TC was 350k, significantly higher than my TC 230k. I thought I was compensated fairly, but would love to see your thoughts.

Hello Fishes,
I got an opportunity from NTT Data BPO.
I am currently being hired for nightshift. Are there any chances for getting day shift or mid shift?
Or are there any chances to get a change in shift after getting on boarded?
Will it be okay to discuss this with HR?
Because during interview I said yes to Night Shifts.

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

What do you guys think about municipal finance

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

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.

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?

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

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

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.

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Once all the boomers are gone will there be a gult of homes? I have rentals here will they be worthless in the future?

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.

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

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

Atlanta vs Savannah vs Tampa?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

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?

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.