How long did you go between buying your house and doing major work on it? And what did the work cost vs initial costs and how long did it take?

We’re closing this week on our first house and it’s generally move-in ready, although there are lots of things we’d like to do (short medium and long term). But feeling very daunted by the extremely high costs of doing what seems to be just about any work on a house these days.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Is anyone on discord channel for options trading?

What are currently the best Canadian credit cards for travelers? Looking for Aeroplan or bonvoy points or companion tickets

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

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

Damn coinbase, I see you ;)

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

What's your target age to save 1 crore?

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

Hey 🐠, crowdsourcing opinions: what are your thoughts on housing prices in Toronto. Im looking to invest and was thinking of a detached home around $1M in the city. You all think its better to wait another quarter or so before pulling the trigger?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

Anyone have a good (and not exorbitantly expensive) accountant? My taxes have gotten more complicated than TurboTax and I can handle this year

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

My wife and I are moving to Boston from overseas (we’re from Italy and we’ve recently won the diversity visa green card lottery).

We are looking to rent a 1BR starting in January, ideally for ~$3k/month. I’ll be working in the downtown area.

Do you recommend we go for a serviced/luxury apartment (e.g. Montaje, 345 Harrison, etc.) or hire a broker to get a “normal” apartment?

Any managed buildings recommendations within our budget? Also, what are some good brokers we could work with?

Thanks!

Submitted cbs with ea score. Jheez. Yet to take the gmat for the other schools 😭

Any one ever used a career counselor service before? If so what was your experience with them? Did you find it beneficial to your own career transition? And which companies would you recommend? Or if you hated it or think it was a waste of time I'd like to hear that too and why🙂.

Just looking for some tips and advice, any help is appreciated 🙂.

Any idea why EY is not on the list of Vault 50 top consulting firms but it is on the prestigious list?

Can you get fired for having low utilization as a senior? My billable hours this busy season have been much lower than my peers.

In the last PDM town hall, they said they were going to lower utilization targets for those that work on projects with capped hours. For those people, have you seen your utilization target lowered? I haven’t seen shit change for me.

How is the work life balance for sr. Consultant in infy.. and whats the salary slabs.. any thoughts?

Anyone know about Vista Outdoor?

Any thoughts on Citadel COO team / strategy roles?

I have been asked to train a new employee, who is also a senior associate, and it’s been three months but just doesn’t seem to understand our work. We do A123 control testing and have assigned him this one area to test and basically own. I asked him to complete xxx test plans so we can begin testing in the New Year and gave him specific instructions for completing the task. Despite this he is showing no progress and Manager is aware. Will his lack of growth affect me promotion wise?

Hello Fishes, I'm a UI/UX designer with ten years of experience and hold a GL offer of 25 lakhs. Is it a good company to join? Kindly do reply with job security perspective. 

Anyone listening to the podcast “Dr. Death”? Both fascinating and horrifying...

Anyone free to hangout?

Any info on salary and bonus for A&M corporate transformation services directors? Glassdoor has v wide ranges..

I’m interviewing with the Deloitte and they’re taking an extremely long time. It’s for their internal strategy team.

Another role just got posted that I think aligns better with my skill set and something I would definitely enjoy more. 

what should I do? I’m still in the running for the first job but it’s ridiculously slow due to the business team being small. Ideally I would like at least one of these two jobs

I am having an experience of 9+ years into analytics domain with hands on exposure to data science and machine learning.
Please can you refer me in your organization for any suitable position.
Thanks in advance.

I've been interviewing with another company for about a month. The whole process has been 3 interviews over a months time. I have been in my current role over 6+ years (as HR mgr) and it's very transactional and not very strategic. The new company wants someone to lead a team from a senior level (HR Director) - what advice do you have for taking the next step in my career? I'm likely going to take the offer if it comes.

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)

Anyone take the WI Real Estate state exam? Any tips on what to study?

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?

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!!

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?

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?

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”.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

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)

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

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.

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?

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.

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

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!