Hi everyone I’ve been trying to buy a 2bed/2bath condo in a hcol in California. Rent for something of the same quality is about 3k-3.2k. I just put an offer on a house for 550k with 70k dp and my monthly is about $3800 (including all fees - hoa, taxes, insurance). Planning on renting out 1 bed/1bath for $1500. My take home is about 6k if I don’t contribute 401k/roth (I don’t plan on doing this but in the ST I might to save up some cash for rainy days) do you think this is an insane approach.

I got married in 2021. Before my wedding I lived in State#1 and after the wedding I moved to State#2. My spouse lived in State#2 the entire year.
Can I file as Married Jointly in such a way that State#1 only calculates my income for the portion of the year I lived there?
Or do I need to file Married Seperately?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

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.

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

GBR 959% return lol?

Anyone ever have experience negotiating a new offer to include unvested 401k match and stock grants from your current employer? I hate leaving money on the table but there are some good roles out there. I’m not fully vested in my current 401k yet and my stock grants haven’t matured yet either. This would be at a global director level.

Have about 5k to invest - should I do FXAIX or FSKAX?

Does anyone use wealthsimple trade? Are there monthly or quarterly reports I can download for my investments?

My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Does anyone here have a Tesla? Should I do it???...

Hey , i want to know the transport facility in cognizant Gurgaon as i am not getting proper information from HR for Day shift role. Can someone please help. Its an urgent request.

Happy Valentine's Day, Singles! ♥️

What is the starting base pay for a Private Client Advisor and wha tides their incentive plan look like? Looking to move up from a Relationship Banker. Any information would be great.

Hi everyone. I am a graduating senior at Penn State looking to get a job in tech consulting or cybersecurity. I have been searching for the past month and a half. I currently have 1.5 years of experience as an IT Level I Technician. Any advice for me? As a woman in tech, I have been struggling to find my confidence lately.

Has Cuomo won a golden globe yet?

I am working with an African fintech startup. The business has been bootstrapped from inception and is at the following stage of growth: Av. 2000 AMU,1000+ merchants are signed up, 38,000 +users registered, 15,000 + transactions recorded, with a current team of 10 persons, 5 of which are in sales. The market value for the business as at 2019 in W. Africa was $130 Billion and it is expected to grow to $205 Billion by 2024. The business plans to capture at least 40% of the market by 2024

Looking for atty to handle car rental co. Claim against a friend in Paris France. Rented from Enterprise in CA.

Our bonus payout is next week. If i put in my two weeks notice now, will I get my bonus still?

Fixed offered as 36 lpa. What shall be the inhand in CBA. TIA

If I have 5 years of experience with one PA firm and three internships, do you think a two page resume is appropriate?

Currently having a debate with my husband, so any and all input is appreciated.

Recent exp hire in consulting and would love some input. Pre hire was promised by leadership that the firm was doing lots of interesting strategy work in a niche, cutting edge but rapidly growing field. However, after a bunch of internal networking this does not appear to be the case and I'm getting creeping doubts about whether anyone here even understands the space.
Am I being paranoid? Is this common?

Looking for a fully remote PM role with US based teams. Any leads? Currently juggling 2 teams and one off shore. None of which was disclosed in the interview process.

AP Art History Exam

Hi fellow healthcare 🐠! Vynamic is currently hiring experienced consultants in the NYC market. If you’re looking to make a move, we have great pay and benefits, outstanding work/life balance and solid leadership. Life science/launch experience is a plus, but we’re hiring for experience in all sectors. If interested, DM me and I can answer any questions you have.

I’m looking to change careers, I have a lot of experience in several positions which makes my resume, well tough. Anyone have any recommendations for a recruiter to help assist me in finding my new career?!

Looking for opportunities as a data engineer with 2 years of experience .lwd 28th aug .
@expert in azure and sql
Have been trained in bigdata technology.
Any help would be great!

Hello folks,

I am new to fishbowl and recently got an offer from Publicis Sapient for a senior associate. They are offering $136k with unlimited pto benefits. As I am from the industry and haven't heard about this company before, I would like some comments or thoughts about working for this company? How do they invest in their employees (like pay raise, promotions, etc)?

Thoughts on CPOAX?

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

Is it the worst time to buy real estate because of the interest rates?

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

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?

Once all the boomers are gone will there be a gult of homes? I have rentals here will they be worthless in the future?

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?

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?

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

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

Atlanta vs Savannah vs Tampa?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

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).

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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