Hi all, new to this group and to home buying. Wanted to get advice on whether this is a good time to purchase a condo. Also how do you know which area is best in terms of future appreciation? Thinking of Hudson county, Newport jersey city or close to it. Any thoughts on pros and cons to be considered when purchasing a first condo apt ? Also what resources are available for a first time buyer . Thanks a ton in advance

Fav intl ETFs?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

Marriott or SPG credit card (for the sign on bonus)?

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!

Does anyone have any book recommendations for information on buying a house?

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

What percentage of your money do you save, invest, allocate to retirement, & spend?

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

Goodbye XRP! Thanks for the awesome gains and good luck hitting that absurd $100B market cap 😁

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

Is QEF inclusion dividend or not? Sometimes, I see QEF inclusion reported on Line 11i and sometimes on Line 6a. I think we can rely on Sec. 1293(c) but I think it’s not foolproof. My hunch is since QEF regime is tailored to treat the PFIC similar to domestic mutual funds, we should not treat the QEF inclusion as dividends. Any help is appreciated.

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

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?

Can I receive rent on H1? How can that be accounted towards the end of the FY?

Any story to share if you are caught knowingly or unknowingly trading on a non approved broker platform for stocks

How do you send i-693 to USCIS? Also, do you attached medical exam reports or just mail filled and signed 693?

I know it could differ depending on the company, but is It feasible to make 100k-200k as a client-side creative in NYC/be successful w. only client experience?

Anyone here kindly help me put a referral at Google infrastructure team? Currently working as Lead Cyber Security Solution Engineer with experience in deploying network monitoring tools and engineering experience in transitioning from on premises to cloud environment.

How do you take care of your dog if you travel for work with your dog? Does your dog get enough exercises when you’re in travel? If it’s possible, I would like to know everything.

Any one planned or attended an Indian wedding in Seattle or New Jersey area? Can you please personal message me? I’m planning my wedding in December and would like some insights. Thank you!

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Anyone taken the GD test after having covid recently? I have my test in 10 days and I'm currently recovering from covid.

Hello everyone! I am looking for referrals in Scotiabank (specifically Research Consultant). Any leads will be appreciated. Thanks in advance

Barack is in the Waldorf Astoria!

Starting a new job at Applied Materials on Monday as a Manufacturing Engineer III. I’ve been out of college for 5 years and all of my work experience till now has been in R&D for start ups and small businesses . So not only is this a new experience for me going into such a large company but also a industry (semiconductors). Does anybody has tips or advices on what I should expect as a new hire and how I can set myself up for success? Thanks!

If you receive an RFE on the I485 while it has been pending for 180 days, does your new company attorney respond to the RFE? Assuming you switched companies after it has been pending for 180 days. Anyone experienced anything similar?

Hi

Does anyone when a person can re join HCL?

For a friend: USMC transitioning veteran looking for opportunities in the southeast region, open to remote work. 8 yrs of specialized experience. Roles: Contracts Manager, Contract Specialist, Contracts Administrator, and Procurement Coordinator. GS or Consulting positions.

What books would you recommend for someone wanting to get better at sales?

Hi Fishes,

I am B.tech graduate and currently working in BPO sector in Accenture. I am looking to switch to an IT profile but having zero experience in IT sector. Please suggest how can I switch.

I just graduated with my MS in Health Information Management. Any jobs in NYC in this particular field (first time in this field)? Provide links. 🫶🏼

Also what is the starting salary? It would be my first time in this field. 😺

• Bachelors degree in Radiologic Sciences (x-ray tech)
• Master of Science in Health Information Management

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

Own a condo in Sandy Springs GA and recently discovered I have surface mold in my closet… transferring to clothes etc 🤢 anyone worked with a mold removal company and can share estimates? Wondering what typical prices are, I got an estimate for 1100.

Just moved into a new house. Completely empty at the moment. What are some must have that are quality of life improvers or things that are smart to buy “the good version of”? (I.e. buying an $80 press iron instead of a cheap $15 dollar one)

Any recommendations for cordless roller blinds for new construction home? Also, should I attempt installing them myself or hire someone?

Anyone have thoughts on quality between Samsung and LG for refrigerators? Saw an LG one for 30 cu and Samsung for 28, very similar features but LG makes craft ice; how ever with my corporate discount the Samsung one is about 1k cheaper

Anyone has worked with bank to remove PMI payment based in home equity

General advice for first time home buyer. Single, male, 26, lcol- stl mo... let me know what you wish you knew/ tips!
Thanks :)

Considering buying a home but was told to account for unexpected maintenance bills that come with owning a home. What’s the biggest bills you guys have received (e.g. broken air conditioning)?

Has anyone put solar panels on their house? What was the cost? Was your power bill completely removed? Was it worth it?

Anyone done DIY attic insulation?

We had a home energy audit done yesterday and the guy said the attic insulation has a whopping R-value of 7 due to age and compression.

Getting a quote for them to do a loose fill to bring it up to 39, but also thinking about DIY loose fill depending on how $$$ the quote is. It's a ~700 sqft attic.

Compared to DC/NOVA, how's housing market in Chicago?

How is Geico Home owner insurance ? Already have car insurance from them.

What’s the best way to finance a remodel? Probably need about $40k on top of what I haves saved. HELOC? I’m not really sure where to start researching.

Hey guys with the current market boom I found a single family home 25 years old in a good school district with in my range . Looks like its decently maintained . Is there any thing specifically needed to look for ? When buying a house

Hi,
Has anyone bought a new construction home from the builder Gehan Homes? What's been your experience?

Just a note that this is a good time to clean their AC coils. Just did mine and they were terribly dirty.

My house has very hard water, to the point where shower heads and aerators regularly get clogged with mineral deposits. Is a household water softener the best solution, or is there some sort of filter I could put on at the source to the house that I could clean regularly? Or other ideas?

New homeowner here, purchased title insurance at closing (required by lender). This isn't something I need to pay to renew right?

When submitting your taxes, do you share how much you pay for HOA? Is there a form to fill out or do we get any type of reimbursement for paying HOA?

Bought a 12 years old condo. First time home owner. Can someone share what all things would need more care(electrical appliances, vents, filters etc) to avoid costly maintenance.