How should I think about the trade off between buying points versus saving cash at close when buying a STR in this raising rate environment? Any helpful articles / resources? For context, I’m deciding between locking in a 6.75% rate with 3 points ($27k) vs 7.25% rate with 1 point ($9k). I’m leaning towards the latter as I imagine I’ll likely refinance the loan in the next 3-5 years either way and would likely benefit from having the add’l cash. TIA!

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.

Anyone have specific financial goals they're willing to share and how to get there? I'm 30 yo, l10 and $$ gives me anxiety. Currently making ~$95k with $30k in brokerage and $30k 401k. Or, tips for not stressing out that I'll be broke in retirement? Should I make a lateral move out at some point and target a $250k salary by X age?

Right now sitting at 40% cash in brokerage account. Want to decrease the cash reserve to 15% to 20% but not sure if I should just buy more stocks now or wait for the next market correction. I know never time the market but still.....

Whats the second source of income for a IT employee ?

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Is it possible to buy a house and sell it for a higher price?

Is there a way to Pay rent via Credit Card without paying the convenience fee?

Get upto 100% of your TDS as Refund in your desired bank account .
Due date for filing (ITR returns) for the AY 2021-2022 which reflects your transactions during April 2020 -March 2021, is on 31/12/2021.
File now to get rid of penalty for delay returns
Here we will e-file your IT returns
▪️▪️▪️▪️▪️▪️▪️▪️
Are you new to ITR filing???.... no Worries join and get our help to clear your queries

📲 8985907244

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Why does the purchase agreement call for a FIRPTA when no real estate is being purchased?

Best way to answer “why do you want to join private credit” or “why do you want to join private debt”. I have a general sense of why I want to but can’t really put my thoughts into words. Any insight would be helpful. Thanks.

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Thoughts on SoFi bank?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Catch BPCL Rs.58 dividend with record date of 16th September

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

thinking about making the move to Havas, I’ve heard they’re making a lot of changes and restructuring. Trying not to base my decision off of all the rumours. Any thoughts from current employees?

What are some brands with an in-house agency? Looking to make a move to client side.

Is moving to Canada from India possible for data scientist roles? How hard is it ?

What would you all say a VP, Management Director at an Ogilvy, Leo or FCB make? $150k sound right? Appreciate any insight here.

How to best calculate the loss of value(diminished value)to my car due an accident? Insurance agency quoted a really lower amount.

Hi car 🐟

Been looking into 2019 Infiniti QX50, Lincoln MKC, Mazda CX-5, Chevy Equinox, and other similar compact to mid size SUVs but having hard time making the decision.

What are some affordable SUVs that i can buy with ~$25k budget? Hopefully it's post 2019 model and has good fuel economy and reliability (low maintenance cost). I'm less concerned on the mileage but wanting good horsepower (~250hp). Any suggestions? Thanks for your insights.

Waiting to hear from Novartis on a job I interviewed for 2 weeks ago. They emailed me a Conflict of Interest Form to sign last week, which got me thinking an offer was coming but I'm still waiting. Thoughts on whether this form means anything? I daydream about quitting my current toxic job :/

FDD during an economic downturn?

Is notice Period negotiable in Optum?

Does CBA provides joining kit?? And what all it contains.

I am joining on 2 November but haven’t received any onboarding details. Do I need to follow up with the HR.

So optum US employees get to work from home permanently, but same is not available for india employees !!

Is this not descrimination?

Any body know TC for Google Head of Insights/Analytics? Im a F500 Sr Director in Chicago making 300k now, but starting to consider other opportunities.

Anyone have any suggestions on how to control oily hair? I have thin hair, and started using fable and mane pre hair oil and mask..which kind of helps but seems like the oil just builds up quickly.

Is part time work in audit ever possible?

Is there any good reason to take a 10+ minute call in a bathroom stall at work? Noticing people doing this as RTO ramps up and I really don’t understand why you wouldn’t go outside or at least in your car.

how can i get hearts on this

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?

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?

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! :)

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?

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

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)

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?

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

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.

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

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

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!!

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?

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

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

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

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?

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.

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