Hi all, need some advice on how to structure a competitive offer for a multi family in Orange County, NY. List price is $500 for duplex, one side rents for 2200, other side can be rented for 2500. Initially put in an offer for 530, had 9 other bidder so increased to 550. They came back and asked for an appraisal waiver which I did not want to do. They selected another offer who waived appraised, but two days later backed out. They’re now asking to resubmit offers and we considered 2 options:

hi Sharks

Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
Employwr contribution to PF is 9450 monthly and i think same goes from my contribution as well

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Ways to rack up cc points/miles while buying a home?

Do big4s have any history of offering early retirement packages?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Hi FIRE friends! My mom is going to get about 250k from the sale of her house in a few days. She’s 58 and has very little saved for retirement (immigrated to the US at 45 so only about 50k in her retirement savings currently). She’s maxing out 401k, Roth IRA, and HSA. I’d love to get all of your thoughts, where do you think she can put the money from the sale of her home?

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

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?

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Thoughts on Transfix? Anyone invested?

Any recommendations for buying agents in Massachusetts?

I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

I want to diversify. I have 2 options a) open a poloniex account 2) use existing Coinbase to buy ether & ShapeShift. I know option #1 might be cheaper, but there's added headache of another exchange. Thoughts?

Has anyone had success transferring Chase Ultimate Reward points to a friend? I see that only “household” transfers are allowed but don’t know if there’s leeway with the term. Worried chase might flag the accounts or stop the transfer if the billing addresses don’t match. The transfer is only for 40K

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

Where should I work

My boss won’t stop sexually harassing me. Verbally, email, texts - 400+. He even set up his office with a display of sex toys and edibles condiments to show me that he planned to give me oral sex. All started 3 weeks into the job. I moved my family cross country for this job and just bought a house. He promises me none of his requests or my responses will affect my job and is just begging now to be friends with me. Tell me what would you do if you were me.

Hello,

Can someone please refer for SAP BASIS/Hana in Infosys?
YOE : 6.4
Notice period : 15 days
Preferred location : Bangalore

Thanks

Been with my GF since college and we recently hit the 4 year mark. 1-2 years into our relationship I found out she had instances of micro-cheating (flirting with guys, talking to ex’s etc - but nothing physical) and we addressed it. To her credit and my knowledge, she’s been apologetic and great at respecting boundaries since, but I still feel the pain from her actions years ago (and have talked to her about it). Feeling lost about whether to just leave or to try and work things out

Is the 2018 Macan turbo w perf. Pkg the best Macan ever made?

Can someone give me some insight on the CAMS prep process and exam? Time frame, rigor etc?

Where is the best place to look at inspo for directors / style for TVC/OLV?

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?

Any openings in third party due diligence/ background screening? I am also pursuing CFE. Thanks!!

Type of work in Deloitte ops transformation in health care. Is it just tech?

What’s the most I can spend on mattress?

What are some of your worst experiences working in the entertainment industry?

What are Google Canada email addresses?

Guys I can’t stop

For all you retail people...are you experiencing a very slow holiday season? I am a retail manager and I feel like this season has been freakishly slow. I thought we would at least match last year's number or be up a little bit but we are trending down. I talked to employees of other stores in the mall and they are saying the same thing. Is anyone else experiencing this in their market?

I am taking the MA RE salesperson exam soon. Can anyone share their experience- any tips or tricks? Any practice material you would recommend?

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

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

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?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

What are your opinions on financing furniture purchases? Most of the big stores are offering 0% for a few years and I’m wondering if there are reasons I shouldn’t do it

Do you recommend getting appliances home warranty (ie American Home Shield) for rentals or do you deal with maintenance issues as they arise (I’m thinking appliances, AC, garage, etc...)? For reference, American Home Shield warranty charges ~$50/month and ~$125/service order!

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?

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

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.

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.

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?

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

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”.

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!

I did a buy/move/sale and for the 🏠 i bought I only put 16% and got a 2.875 rate with PMI. The plan was to pay the additional 4% after selling my prior home and get rid of pmi. I looked at refinance

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.