How much would you increase rent in this case? First year tenants- pay on time, never call me. Rent is 1450, market rent probably 1500. Would raising it to 1465 be insulting vs giving them 0% raise?

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??

May be this is off the topic..
One of my friend who is a doctor & is an international med graduate. He passed his United States Medical Licensing Exams with above average scores. He has applied fr the match last yr & was nt able to match. Match process costs around USD10k; this year he is applying again after borrowing funds frm different sources bt he is under tremendous pressure to get match. I feel his pain as he has studied for 10+ yrs and is struggling to match nw. I m nt sure hw I can help

Joined Ericsson a year ago. Learned new things but not enough. Thinking of leaving it and join some other org. What do you think? I wanted some on-site opportunities but so far nothing.
I know the raise will be in between 5-10%. But the part I missed the most is learning. I can use their portal but that is all theory and can’t do much if they don’t provide the time for it .
Let me know in comments.

If you follow the cryptocurrency market, or even have been just taking an interest lately, with the Bitcoin "halvening," you should check out Pi.

If you haven't heard of Pi, it's a new cryptocurrency (like Bitcoin), developed by a bunch of Stanford PhDs. What makes it really interesting is that you can still mine this coin, using just the processing power of your phone, unlike just about every other coin out there. (Contd)

Hi guys any one dealt with DeVere for managing his investment portfolio, how was your experience?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

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

I am completing Noogler period this month.
I joined in January with 3-4 years of experience and Google offered me L3 Level and despite having other offers in hand, Google didn’t negotiate. And since Google was my dream company, I joined Google thinking I’ll ask for promotion in one year and do the hardwork.
Till now I wasn’t having any problem. But now it starts mentally for me. So, I referred one of my friend from my same batch of college and previous organisation. contd. in comments!

I work as an AGM in a busy restaurant. Been working there for just over a year, and haven't had a single raise. I now only make 0.50 cents more than even the lowest paid shift lead but I am doing a lot more work. I'm no longer satisfied with these conditions. Should I try to negotiate a raise or look for other opportunities?

If I should negotiate, any tips?

What is the best crypto app for accruing crypto interest, that is not BlockFi?

Is anyone planning on trading water futures?

How long of a commute would you consider to be too long? First year associate trying to balance convenience with living more frugally to save up some more money.

Has anyone started an LLC, S-corp, or C-corp for your day trading? If so what are the requirements for getting started with that?

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

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😂

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

Have you received the salary today? Got the mail now but no credit yet in account 😕

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

Any speciality occupation RFE’s on H1B transfer? What was your case result and experience like?

For those who have applied for an ILR-
I’m changing jobs, new company sponsors my work. visa, 2ish years to go for an ILR.

What documents should I request from my old employer before leaving? Are there any documents needed from my employer for ILR application?

Whats a bougie/hip gift from a friend you would appreciate?

Who’s working on the twitter acquisition? The dataroom has to be nuts.

What states have a big law market where I can get the most out of my dollar? Also currently work for CA firm, if I move to another state does the state tax rate switch to where I live?

I’ve been having a bit of trouble working with one partner at a new firm. There are definitely things I can/need to work on for improvement, but I’ve been practicing for four years and have had no trouble with other partners/peers before. This partner sent an email to me with bills for one client of his/hers I worked on and now looped in a practice management person to have a ‘management call’ (prob to talk about billing less..) Should I be looking for other opportunities?

Been with my current company 5 years now. I run my own team but have a micromanaging boss who likes to create chaos for me. He also exhibits stalker like behavior by looking up my family online (addresses, emails, phone numbers, FB/Twitter accounts, you name it) and driving by my house and commenting on things I was doing during the weekend or after work. I am fed up with it and am starting to apply elsewhere. I don’t think I’ll be able to get the same total comp though. More in comments..

Hi guys,
Going to my first 49ers game this weekend and was wondering what do you guys recommend for pre game, Tailgate in the parking lot? Or how early could I go have a couple beers in the bars by the gates. Thanks!

I have offer from Deloitte and Allstate for the role of a full stack developer, I’m really confused which one to join . Allstate is offering around 2 lakh more (plus joining bonus ) than Deloitte. Please help me making a decision.

Is there any transport available to go to Mastercard Pune office from Hinjawadi?

Hi All,

I have recently received an offer letter from Finicity - MasterCard company. My job role is the Senior technician support role with Level 8.

I am holding an offer of 12.2LPA having 4.4 yrs of experience in Citrix Administration.
MasterCard is offering me 13.5LPA as fixed pay and 7% as variable pay.

Not ready to negotiate more, should I accept the offer?

Has HCl reopened their offices in India. I was having hr discussion and they told office have been reopened.

Hows wlb and projects of HCL Singapore?

Hi need suggestions, i just joined HCL technologies noida , as a tech lead, its been 2 months only , and my reporting is to group tech manager, and he's giving me hard time to settle in and understand the project. Feeling like being pressurized to do things fast.
What should i do, i am very confused, when i start liking the project he again made some sarcastic comments and pressures me , even i am utilizing my weekends to unterstand it faster.

Anyone from A&M willing to refer me. Will be great to have a conversation. They are hiring for the role I am interested in. TIA

How are Corporate Development and Corporate Finance roles different in Industry? Is one sub set of another?

Hi Fishes
I have recently joined bank of america, india branch, it's not been 15 days actually. And they are asking all the employees who are working from home to come to office. Which is 18 april. Can we as a employee ask the company to continue with the work from home model.

Anyone looking for a remote freelance senior producer? Video content focused.

Looking for an NJ store selling hardwood flooring that has a decent selection and not too lengthy delivery times.
Everyone seems to have a 4 week wait for hardwood. Any help is appreciated.

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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?

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

I saw this townhouse in a prime location in my city for $350k (cheap for the area). The floors are all messed up though but the buyer said they’ll either lower the house price or give a credit for closing cost. There’s also a lot of nicks here and there (some locks missing from door, dents, scratches, stains, and some things are loose). But overall, the house’s architecture and design is so beautiful. Would it be worth it to get it and fix it up? Or find a newer house with less maintenance?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

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)

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

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

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!

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