Homeowners in SF and San Jose- For homes in “severe” flood zone and with home mortgage, do you renew your flood insurance annually or only in the first year while getting the home loan approved?? I understand the precautionary aspect, but asking for what is “mandatory”

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

What are all the ways to save income tax?
CTC 9.8L

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

To the struggling healthcare student. It’s okay to struggle and not know stuff. Sincerely your friendly neighborhood physical therapist.

Ok -- let's hear it. Best restaurants in ATL - go! My parents are coming to town and I want to wow them, they are serious foodies and very adventurous. Tell me your recc's!!

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

How much should i save from my salry for securing post retirement life and all general commitments before that. I'm 30 now. Assume no Inheritance. Current in hand 1.85 lpm

Hi all,
Looking for a career change, I’ve experience in project management, oncology, health promotion, engagement, inclusion and diversity and hoping to work for a pharma. Happy to relocate and would love some guidance and referral please 🙏🏾

Looking for a remote/hybrid/onsite (Calgary,Alberta) job for my boyfriend who got almost 5 years of experience in proposal writing, RFP, RFI and bid management for a civil engineering firm. He also got an MBA, non drinker, non smoker, clean driving abstract and very polite. He gave out tons of cv in indeed job posters for the past 5 months, ends up becoming the filler candidate, took a huge toll in his mental health and we are going through some very rough patches. Can anyone please kindly help?

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Interested in renting a furnished apartment with 1 bed + den or 2 bedrooms in West LA. Lease takeovers welcomed. Does anyone have any leads or suggestions where I can start looking?

Recs for LA & San Fran??

Hi, all since for 6 months. From Bangalore, I am looking for a new opportunity. and I am carrying an experience of 2.7yrs in cognizant technology solutions as a senior process executive in US healthcare process medical claims  and I did graduation in B.com with some professional courses ( SAP FICO) please assist me to seek a job and kindly waiting for response.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

New job at a smaller law firm which provides a stipend for health insurance vs group coverage. Any recommendations for NY health insurance?

Anybody know salary range for VP Operations for GS in SLC?

Hello Fishes,

Currently working as a Business Analyst with PwC. Got a call from Hexaware. Is it worth it shifting from PwC to Hexaware? Any suggestions??

I’m trying to get an estimated ideal of what my costs would be when moving to Chicago. How much do you spend a month on “going out” (before pandemic)? Specifically referring to going to restaurants, getting drinks, take out, and coffee. Not including transportation.

Hi sharks,
I recently got offer letter of barclays and I accepted it. What is next process they do in regards of background verification.
Also want to clarify on offer letter after fix pay.. I am not getting variable pay section.
It is included in offer letter or not.
Please provide ur inputs.

Hello fishes,

My wife have 2 years of experience working in back officea and she is persuing career in SAP Basis, but we both are not sure about market, can someone give a pointer on what should be the best thing to get job and with good salary along with wlb?

Anyone nearby Barclays kharadi?

URGENT
Hi everyone! My brother recently moved to Pune and is looking for a place to stay. Actually he needs a place to stay for just 1 month. And no PG is providing him a room for 1 month. If anyone knows any such PG or guest house or anything that allows 1 month stay please let me know.
I'll be very thankful to you.

Hello Fishes - I am a Tax Senior (male) applied for a transfer to Pune office in Kharadi and will be moving around Nov/Dec - no rush as such as we need to report to office by Jan.

Looking for a chilled out flatmate who is also looking for something similar.

My preference would be a 2 BHK fully furnished in a gated society around Kharadi-EonIT park location only. If you are looking for something similar or an amazing flatmate like me, Please drop a DM!

Hi,

Any lead for temporary accommodation for 15 days in kharadi, viman nagar area

Fishes need your help on decision making, of course it's a regular post,, got offer from accenture for team lead level 9 with fixed ctc of 17.45 LPA + 1.75 joining bonus + 27% variable pay. Is it ok to join to that level and CTC ??

YOE: 6.8
SKILL: SSIS
CTC: 13 LPA Fixed + 10% variable pay

Anybody have salary negotiations at sealed air? Were they able to offer more if so?

Hi Fishes,

Please help me with open hearts for DM services.

Anyone got any thoughts on Ideagen as a company?

With the way the economy seems to be going/progressing, what do you see as the future of fintech? How will it be impacted by a potential economic downturn?

Hi Fishes,
Can anyone tell me the questions that are asked generally in interviews for Senior BA role for data science and analytics in VMware?

Any recommendations for companies open to former senior-level agency folks? Looking to make the switch in house and have 15 years experience working in oncology

Does anyone know of any good CLEs that address complex issues re:multi-state employers/remote employees?

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

Do you thank your tenants for paying the rent? A quick thank you text?

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.

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

Looking for 2bd or 3bd with garage rent of $2,000-$2,200 ready to move in after July in the Orlando,FL area if anyone has any info. Please let me know! Thank you!

Does buyer have to share appraisal with seller? Can seller request it?

Is it common for HOA to ask you to prove your car registration is up to date?

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

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

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)

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!

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.

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

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.

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?

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”.

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?