How much can be negotiated on a new construction build with Pulte homes? In my area, they were only able to sell 2 homes in last 2 months and I am planning to offer 75k less than the listed base price and ask 50k of design options?

NYC struggles: 1st paycheck to rent, 2nd to pay off credit cards. Almost none for savings. Maybe it's time to rethink my lifestyle of drinks and debauchery ✌️

How’s the rental market in denver right now? am looking for 1.2k 1bd where it’s walking or biking distance to restaurants, shops. doable?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Base: 5 lakh
HRA: 2 lakh
Max how much I can exempt with HRA while filing ITR?
I live in my own house. I can pay to my parents in the name of rent.
What are the documents I need to produce?

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.

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

Best credit card for someone who goes out to bars and restaurants a lot and enjoys travel???

How much have you saved from refinancing your student loan?

Fully remote and looking at a bicostal lifestyle. I’ve found some nice long term furnished places, but where can I find a monthly rental for when I’m not at home base. I’ve looked at Enterprise and it’s roughly 2,000 a month for a compact. If I’m going to pay that, I’ll just lease a Urus for 18 months and save one or two hundred😂

Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

Owning real estate is overrated, I’d rather rent all my life. Change my mind.

Bought some ETH on Coinbase and don’t see the transaction at all , no email either ...what’s the deal?

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

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

Hi Fishes,
What should be the salary for Manager / Sr Manager having 14+ yoe in project/product service operations? I am at 32 lpa which I think is quite low having worked with top consulting firms for close to 12 years.

Hi All,

Current salary - 21.4L(base - 21L, variable- 40k)
New offer- 30L(base- 27.7L, variable- 2.25L)

Note: Due for promotion in Dec, will probably get 10% hike.

Is it good to switch from CGI(chennai) to coforge(bangalore)?

YOE- 15 years
Tech - AEM

Hi Everyone,
Need 11 likes to enable DM.
Appreciate your help

How did the interview process go when they asked "why do you want to leave your current position"?

Anyone have experience working in sales for a startup? What are things to consider? Got a recruiter contacting me about an open position very similar to what I do now, at a startup.

Is DC generally more or less safe than Manhattan or Brooklyn?

I have two job offers, one as a waiter and one as a bartender. Which one would you take? I’m thinking bartender for the tips.

Planning a 2 week trip for September 2022. Thinking of doing an African safari. Any recommendations (that aren’t outrageous $$)/ know how that time of year is? 🐯🐅🦁🐘

For the 🐠 that have traveled to Egypt, can I get some recommendations on tour companies? I’m traveling with my partner (two females) and would like to have something arrange. 🙏

So we’re going back in Sept. or what? 🤡

Hi fishes
Do Accenture have rotational shift for business analyst? Pleasee let me know

Hey Fishes,

I have few offers in hand and I'm working with DI as consultant. What are the chances that I have to be retained by DI itself? Do they match up with Salary provided by others?

Let me know :)

Looks like I lost 12 nights and points / nights are not combined with Marriott yet

I’m a private immigration attorney whose interested into transitioning into a high level federal government attorney position in the future (not in this administration). Ideally, I’d love to work in the solicitor general’s office.

I’m only a year or two into practice and am wondering if there are any tips to best position myself for this type of position? I don’t anticipate making any moves that way for at least 5 more years. No clerking experience or law review, so that’s -2 points for me

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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.

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?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

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.

Any one knows what’s the easiest way to order a radon test for new construction?

Any Property Management recs in Seattle area? :(

Hi - any good books recommendations for getting started on real estate investing?

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?

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

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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

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”.

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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!

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?