Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

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I have a friend who spent 46k on solar panels for their roof. He said on average it covers about 5% of his $300 bill every month and is one of his largest regrets. Location is sunbelt, southeast TN.

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You would get 25-30% back as a tax rebate. You can apply that amount on your loan as a one time payment. Personally in NJ, my solar panels cover my electric bill 10 out of 12 months of the year and the 2 months in the summer I pay 150-200$. If you average it out I pay $40 per month on electric.

I also generate about 10 SRECs per year which for NJ sell about $220 each.

I love my panels however my regret is that it's costly to remove if you need to do roof replacement. If you do decide to install panels make sure your contract states how much the solar company would charge to remove and reinstall them and also make sure you install them on a new roof

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It’s a lien on the property which no one seems to tell the homeowner.
It’s an interest bearing debt.
It doesn’t really add value to the property.
Requires maintenance.
Quite expensive.
Depreciates in value.

But yeah it can help to reduce the electric bill lol.

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Hi All, just sharing what on mind to vent it out from my system. Maybe with this I could gain some insights and inspiration.
I have been working as a data scientist since 2018 & have been the bread winner. I have neither been under a proper mentor nor with a team of peers from my field to help me out. I was alone and confused. I have never really got the chance to prove myself which makes me all the more depressed. I'm not sure what to do with my future, indecisive and low on confidence.

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Anyone else has an old motorcycle that you drive to work sometimes but have ended up in the situation where it wouldn’t start either at home or after work? Ended up being late this morning after trying to kickstart the bike for 30 minutes… 🙄

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Lauren May and Nicole Wright - Ogilvy

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Should I be happy with just receiving my 3rd promotion in less than 2.5 years to Senior Consultant? Company growing fast, tenured employees getting burnt out/leaving and room opened up to move up quickly. Change in leadership recently as well. Was offered 17.5% increase and this is my first job out of school. I don’t want to grow too fast, but this seems too good to be true…

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Got 2.5 YOE in FS management consulting in UK and looking to move to Toronto. Can anyone advise on what level to aim for, comp ranges for the level and which firms might sponsor visa etc..

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Might be starting at a small agency as a full time Junior AD soon, fingers crossed. The only other roles I’ve had at agencies were freelance and intern before WFH.

What equipment do I absolutely need at home? And how should I bring it up?

I currently have a 2015 MacBook Pro that’s running on fumes. An Wacom Intuos Pro. A mouse. A few external hard drives. And a second screen.

I’m a scheduler in a major hospital, see my position in other departments being advertised as remote available. How can I successfully negotiate WFH? I’d like to cut down on my 44-mile one way commute.

Background: I’ve been in my position for 1 yr. I have 20 yrs military experience, bachelors in Business. I took an entry level $15/hour job to get my foot in the door. I’m actively looking for a promotion. But 44 miles plus gas & business casual clothing on $15/hour is killing me.

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Anyone did a H1B transfer recently using premium processing ? Trying to understand timelines

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Anyone golf here that wants to play some time - I’m up in north county but would play wherever . Let me know

Hi all. I am currently working as a Senior associate, compliance operations in Amazon. Prior to this I have worked with HDFC BANK as a Deputy Manager for 2 years in operations. I need suggestions for my next switch..

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Hi Fishes, Had salary discussion today with TCS HR but he stated that he would seek approval and approval takes 8 days for my expected CTC and for the designation, so is there any hope that they will offer or it's a waste of time waiting for them

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What is the salary range for L5 TPMs?

Which is better career path among these two ?
1. Java And it's advanced technologies (Backend)
2. Java and Angular (Full stack)

I have around 1 year of experience in Java and total 5.5 years in total.

I got a lead role in a company with good package.
The role is of java fullstack, microservices.
I studied hard on spring boot and microservices but my hands on experience is less.
Would I be able to survive,I am a quick learner and deliver projects on time....but first time switching so asking.

Hello everyone, currently my ctc is 20 lpa with 8 yoe. I have cleared all rounds in Wells Fargo. Now the HR offering maximum 20% hike. Is it normal? Is there any way to negotiate a better ctc? TIA

I got Medical Reimbursement of around in current month salary, but I don't think I had applied any bill or submitted any such amount. Can someone tell what exactly is this amount for?

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I am having final rounds with consulting firms and corp strategy soon and I am looking to do a couple of cases with experienced caser (25+) in the next couple of days. Anyone wants to practice?

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I was laid off last to last week, can anyone of your please refer me to your company, I'm 1.5 year exp in Java Spring Boot Angular Postgres Camunda BPMN..

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Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

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Additional Posts in First Time Home Buyer

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

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Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

How much is 2k a month for a house payment? What size loan would I be able to get?

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What is the most difficult part of buying a home for the first time?

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Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

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Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

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What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

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What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

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For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

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Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

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My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

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Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

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Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

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I'd like to buy, but the market is absolutely atrocious currently

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Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

Is buying fancy condos with high HOA(>$1k) worth it?

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