Hi! Anyone have 203k loan companies you’d recommend in the CA area or allows purchases in CA?

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Sanity check. I like a nice lifestyle. Currently make 350-550k with bonus. 53 years old. About 400k in brokerage. Another 1.9million in retirement accounts. House worth 1.2 million with loan of 625k. For retirement pension will be $2400 per mo which goes to my wife if I die for life. Another 3800k Per month estimated from Social Security. I plan on working another 10 years or so maybe less once the kids graduate college. I am this will be out in 2024. What should I be doing or thinking about? 

Is it worth it to buy a multi-family home to rent out?

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?

How often do you come across Schedule F? I have prepped 3 tax returns for farmers this busy season? It’s interesting. I’ve worked for large and small firms. I never had to deal with Schedule F until now.

Best side jobs for extra money? Really need to supplement my income..

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Am I the only one that feels like we should have our student loans forgiven? (And I used to be adamantly opposed to ANY student loan forgiveness)
Our salaries continue to DECREASE as cost of living increases (not just “no raises”…decrease!…I realize I’m preaching to the choir haha). I can barely (and by “barely” I mean “can’t” TBH) make bills, pay for kids activities, etc (also a single mom of 3, for more context) LET ALONE pay my loans…
How do we start that movement?…
Who’s with me?! 🤷🏻‍♀️😜

We made it to 10/15. Now to do CPE and wait for the section 199a deduction to make next year's returns a nightmare.

Hi experts, in a multiple offer situation for my property with all contingencies waived. I want to add a ‘no repair by seller’ clause to ensure buyers don’t negotiate during their short due diligence. Pls advise on what to ask from their realtors?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

I'm finishing renovations on a 2-story 3 bed / 2 bath apartment two blocks away from Girard Station, 3 blocks from the main strip in Fishtown.

Will be ready by mid-April. Asking $2,200/mo rent. Has an outdoor deck in the rear. DM if interested.

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Do you use a series LLC for real estate holdings? Why or why not?

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?

Hey, I’m thinking of getting a Mazda CX-5 2022. Is it a good car? Is it worth the price? Any problems I’ll run into in the future? Please talk about it! This is my first car and I’m super anxious and need to make a deposit soon! Thanks. Is it expensive to maintain?

My MOH is probably not going to be able to attend my wedding bc of covid restrictions. Freaking out slightly because I don't have someone close enough to replace her / I don't know how viable her zooming in would be? Any advice / tips?

How do I get more involved in team room conversations? Any practical tips? I have good comebacks in my head just have trouble voicing them

How much salary to ask for if I hold 3 years work experience in financial services domain? ( not a CA, CS, CFA) I hold PGPM degree. ( previous in hand monthly was 42K)

Hello .. Anyone joining UBS on 31st October in Pune location?

Hi Fishes,
Any updates on the Novartis hiring restart ?

After everyone gets vaccinated, thinking of starting a desi singles meet up. Details will be shared later. Who’s in?

Partners, what are signs/examples that a project’s leadership is prioritizing the clients needs over the team beyond the normal ‘nature of client service’? Is a convo is worth it?

HR opinion: Do I have any leverage as a hospital nurse case manager in negotiating earned time? I have 15 years within the organization, left for 10 months to be remote during the pandemic while sorting out childcare as immunocompromised family helped. Now HR is restarting my ET as a new employee. I realize I left, but not on bad terms and I am an exemplar and respected employee. I thought I’d have the upper hand with the nursing shortage but I’m getting the “rules are rules” response. Help!?!

Hi guys, i have 3.09 years of experience and got selected in mindtree and mphasis for same role and package. May I know which one would be right choice between these both companies like in terms of job security, work balance ,environment,increments and growth in career wise etc. Please need your suggestions.
Thank you.

Does TCS employees get any special discount in Croma stores?

got email some days back. “We are pleased to have you join us at IBM and I welcome you to the IBM Client Innovation Center”. is cic different than gbs? where are our locations in india?

Does anyone here live on Vancouver Island or know about it? Worth it?

If you spend the day writing stuff on linked in, how do you get shit done at work?

Hey guys, how much will be the salary range for a Environmental Engineer with less than 5 years experience.

Has schneider electric ghosted anyone after taking all the rounds and document submissions or I am the only one?@schneider electric

I’m trying to transition full time into the Editorial realm, I have some experience, but I’ve had a very hard time getting full time work. So I’ve begun an online certificate program, in hopes it will give me a leg up, as my degree is in a different field. My question is has anyone done the same? And how do they feel it helped? And any other tips on breaking into full time editorial.

Does anyone have leads for a recent MPH Epidemiology grad with 0-2 YOE to get into consultant roles in Healthcare/life sciences?

Second question: what sort of work experiences are companies like flatiron and komodo health looking for to work in RWE/heor? I'm not sure how to leverage Epidemiology to get into that space :(

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.

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

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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.

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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.

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.

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?

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Has anyone here used New Western to buy real estate deals?

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

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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.

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?