Hi 🐠! Looking to purchase a home. Have owned a condo previously, but this is our first house. We are working with an agent and she’s made some comments / done some things that I am not sure how to read. 1) she contacted our lender without checking with us first. We were preapproved and underwritten prior to finding an agent. She contacted our lender to ask him to convert us to conventional (we are FHA now). 2) she’s telling me that we should use a local lender to strengthen offers.

Anyone ever take a taxable withdraw out their 401k? What was your reason for doing so? Knowing what you know now, would you have still done it?

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

Do we have option to include stock in salary structure in FIS to save income tax?

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

Thoughts on DKNG or PENN? I think it’s a good long stock as more states will confirm to legalize online betting. Both have done amazing this year but wanted to see if anyone has some thoughts on this.

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

Robinhood just kicked me off their platform and I have no idea why. Now I need to quickly liquidate. Any recommendations to invest in mostly VOO without any fees and a nice UI for my phone? I need it to also connect to Mint.

Is there a loop hole to having a Roth IRA even if you are over the income limit? How did Peter theil get one? Looking for advice

Late in the game with buying crypto. Single but with limited savings with which to splurge. What is a good price point during a 'dip', and which 'stock' is best in my situation (LTC, BTC, ETC, etc.?)

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

What things *can you negotiate when purchasing a new car? What things *should you negotiate always? Any differences in negotiation approach when buying used? Seems like I can afford considerably less, given the current interest rates 😭 Currently financing a car at 1.9% and it's killing me to buy, but I've had nothing but issues with the used car I bought.

I'd love to get involved with and help develop/support more of the ecosystem and community on Austin's far west site.

Like it or not, the city is booming and that means sprawling. Most of the mature tech, older companies, and frankly, capital, is north and west, yet we don't have much of a home and hub for this part of town.

The old 3M campus, Nate Paul's investments there, comes to mind as a perfect spot... In time?

Who's over here with me and interested?

Hi everyone, not sure if I have any options but figured it doesn’t hurt to ask. I signed a lease in June for $2050 when I was under the impression it wouldn’t get lower than that. The same apartment is now down $1650 and has been dropping. this is super frustrating since it’s such a dramatic drop. It’s almost more cost effective to break the lease for $4k in order to save $4500 over 12 months - $500 in total savings + cheaper if I renew next year. Do I have any negotiation power? Pls help/advise

Am just trying to give some stock recommendations as well as receive some from others.

Will the house market crash? Or at least go down by 20%? Thoughts ?

For the other 1099 contractors out there, any thoughts on other strategies for what to do with your tax money besides a high yeild online savings account? My Barclays account is 1.50% interest.

Welcome to DUSI Bangalore club! From sharing news about traffic to any local questions, we can do it all here. We can even organize meet ups in offices for better networking! Isn't that why we are going back to work "Networking" 🙂

Considering lateraling to a bigger firm that pays closer to market or market. I really like my current firm and coworkers and WLB, but I am being underpaid. Based on conversations with my PG leader and supervising partner, I might make NEP/Counsel this year or next. How do you go about asking what the pay bump for that is? If it’s sizable I might just stay.

Any freelancers have their own business? How did you get started? How'd you get your clients?

If the internal account and project people on brand you work on told you “don’t spoil the market” and just do the basic things that had been done- what would you do?

Hi Fisher,

What is the salary of a principal consultant in OFSS?

Is there any change in salary when I move from IC2 TO IC3??

I was trying to figure out what my personality trait was a few days ago. It’s depression, my personality trait aside from work is depression

Is Avocados from Mexico doing a SB spot this year? If yes fingers crossed shit will get real

Hey fam! I’m looking for mentors high and low and trying to find good platforms for mentor matching. (e.g. I used to be a part of NYC’s Women Who Create until I moved abroad) Anything good you know of? Or, perhaps, if you’re interested in mentoring/being mentored, say hey below.

Looking for APICS CSCP study material. Anybody looking to part or share - let's work out a price.

I'm going to yell at the next person that suggests "just talking on the phone all day" is easy. Telemarketing is the hardest job I've ever had

How much should I charge per hour for a ux side job? Located in Vancouver, BC / Sr product designer 5+ years of experience

While I am in bench, can I apply for a role through success factor or do i need to check with my counsellor?

Hi Folks,

Any idea on the virtusa Citi Bank project, I have been offered for the managerial position and looking out for some real time experience from the guys who are already into the project

Curious to hear from the community, what is the best sales approach for enteprise? MEDDICC, MEDDPICC, Challenger Sale, Command of the message etc. Also, what approach do the major tech companies train their sales team on?

Welcome to the Philosophy bowl! The goal of this bowl is to discuss principles in philosophy that we can apply to our lives and fortify ourselves for life using our collective knowledge. It is also to help one another as we all struggle at different points in our lives. Personally, philosophy has served as my northern star that I use to navigate through life’s storms. Hope you all enjoy and please share this bowl with anyone that you believe will benefit. I will be posting later today

If you could go back in time what would you tell yourself before taking out student loans?

Hello,

Can ex-TCSer join back TCS??

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

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?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

Any Property Management recs in Seattle area? :(

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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!!

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”.

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.