Hello all, do you need to inform your current lender about renting your primary home? I am about to change my insurance from home owner to Land lord insurance and as part of it the insurance company will send the insurance change info to my lender as I pay thru my escrow. Thanks all!!

Just starting to invest, should I make an account with Vanguard or Fidelity?

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Favourite money saving hacks? Signed, Broke in New York.

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Any inputs on QS stock? I got it at $15 rate, how long will it stretch? Pretty new to shares, how you people decide when to pull back?

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

If I have a traditional account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Will pay taxes on the amount that I Withdraw that year following the Tax bracket rules at the time of withdrawal correct?

Conversely,
If I have a roth account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Could I hypothetically withdraw the entire account and not pay taxes in a single year?
Ex. withdraw 10M

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Safest wallets / exchanges for buying VET and safe moon? 😭

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Any tips or resources to study to prepare for the Amazon writing sample?

Any Account Managers/Sales Managers live in Chicago? Would love connect over some Coffee, exchange some knowledge. 👌🏻

Moving to London in June for a permanent role. What's a good area to live in, friends? Looking for a 2 bedroom, 2 bathroom place ideally.

Does TCS AWS service line and Data Analytics unit has good python projects.They asked Core Python, Pandas and asked if you have experience in Azure.Will they give project in same or python data engineer project?

Suggestions for at home teeth whitening?

Thoughts on buying shares (via ESPP) of your company even though the stock has been declining?

Just joined industry. I love the company, so I'm thrilled to be here. ESPP was incredible at a company like Accenture, but with the stock price of my current company, I'm just wondering if I should take advantage. The dividend is nice. So if anything, I could treat is as income producing source, if not so much an investment that grows significantly.

Today i got my variable bonus of 10k, i get 59k inhand every month in which 2k gets deducted as tax, today along with the bonus of 10k I got 67k inhand and tax deducted is 4.5k. I'm kinda lost. Can someone pls explain y this?

Cant open iBegin TCS portal, anyone else having this problem right now?

My gf and I are going to Vegas this weekend through September 9. Any other couple want to car pool with us to the Grand Canyon?

Has anyone been to the UK lately from the US? What are the Covid requirements / restrictions? Thank you!

Any thoughts on Citadel COO team / strategy roles?

How many MDs and staff are in S&C? And split by market? I assume most are Europe/US

How do you deal with a coworker you just simply don't like as a person?

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

Planning director vs strategy director. Whats the diff? Is there a diff?

I feel like a planning director wouldnt know how to manage digital strgy while a strgy dir would be much more well rounded

Hi! can anyone please refer me in ZS? I’ve the job Id.

Asking for a friend: Looking for a referral to KPMG Advisory - Federal Healthcare Policy. 7 years exp + MPP + currently at BAH. Let me know if any fish want to bite 🎣

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

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?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Any Property Management recs in Seattle area? :(

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

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! :)

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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”.

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

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

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?

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.

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

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?

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.

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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)

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

Anyone take the WI Real Estate state exam? Any tips on what to study?