I bought a 2/1 home that is 900 sq ft. The kitchen needs to be renovated (new appliances, inexpensive countertops and 8-10 small cabinets only), vinyl flooring throughout the house, stained deck (less than 100 sq ft) and painting both bedrooms. Is it unrealistic to think that I can do this for under $20K? I’m in Hudson, NY. Getting quotes next week hopefully…..

Over the next couple days, my colleague Jess (who heads all our customer experience work) and I will be popping in and out to take questions on the topic of becoming a homeowner. Hope we’re helpful!

Freelancers - who’s your tax guy ? I’m very, very confused.

Alright QOTD: How are you paying back your loans? PSLF or working for Private Firms and Paying your loans back yourself? Which choice do you think is better. I have 5 years left of PSLF and I cannot wait for the day that this loan is gone.

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Making $37 hr full time with benefits. Chattanooga Tennessee

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

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

I think I know the answer, but want to hear others’ opinions before giving up on the dream. I’m currently at $120k base with 6 yoe. Is there any chance I can get close to that as a fed in the IC? Or am I just looking at a GS11 step 1 that’ll hurt pretty bad? Are there any perks that can help offset the lost income like childcare stipends (the agency mentions a childcare subsidy on their benefits site but I can’t find what that actually means)? Thanks!

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

HYSA anyone recommends?

Thinking about buying a house in La Mirada and start a family soon. Any thoughts on La Mirada area?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Does anyone have any good mortgage broker recommendations that will help find a way to not pay PMI?

I want to sell my house but there seems to be water damage and I’m worried someone will lowball me, what should I do?

Anyone build a house in NVA? We're planning to move to a bigger house in a couple of years and building is an option if it's not too expensive. Anyone got any builders or $/sq ft info? Thanks!

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!

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

If you’re a GSAPper who has left already for an externship, how do you get notified about your comp? An email?

Only a few of the engineers I've met have been antisocial, and it seems like such people are represented fairly evenly across different careers. I'm not really sure why that misconception still exists

Any fun family-friendly Halloween events happening in the city this weekend?

I’m currently in the process of being converted from contractor to permanent. In my initial conversations I was under the impression that I was in a different pay grade and asked for a salary 25k higher than the max allotted for my position. I feel like it gave the impression that I don’t know what I’m doing. Any suggestion how I can recover from this?

I’m interviewing for a marketing manager role at a company based in SF. I’m genuinely excited about the role and the company but we’ve yet to discuss salary. I expect to be asked at some point, but my research has given me a VERY broad range. So I’m here to do a bit more research. I’ve got 5 very relevant years of experience and will have an associate manager directly reporting to me. Are there any marketers out there who can share their salaries in similar regions and experience levels?

Hi , wanted to get some feedback on following position offer in New Jersey area
Senior Manager for pricing startegy
I have 4 and half years of related experience,Masters degree
Base salary offer at 150k, 21% SPI and 10% LTI
How much room I have for negotiation, whats the fair market rate for this level?

For all you Toronto transplants on here... what brought you to the city?

How much have you saved from refinancing your student loan?

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

Question, if you pay off your house isn’t a 100k salary more than enough to sustain a good lifestyle? My goal has always been to payoff my mortgage then find a really easy analyst role to sustain my expenses. Assuming I’m a director/VP by the time my mortgage is paid off I’d probably be able to do an analyst 40hr week in like 10hrs. Esp at some of these low expectation companies. What do y’all think about this plan?

Will I get the yearly bonus if i join in october ?

How does underwriting compare to PIP litigation in terms of flex time (ability to stop/start work throughout day, work at 2 am if needed, etc)

For example.. in PIP Litigation I can review my suits at 2 am if needed (as a result of having a rough day or other emergency) and still be in compliance

Does Underwriting carry any time sensitive tasks?

Has anyone switched labs for better lab quality/embryologist experience? Wondering if there is a significant difference between labs. We got poor results at our current clinic and, happens that our clinic is rated lower on SART website. Wondering if the lab quality is the reason or if the clinic handles complicated cases that lead to lower outcomes. Overall, unsure if we should switch clinics or just try again at the current one. Thanks.

Hi, I have got an offer from Abzooba. Any inputs for wlb, job security would be really helpful.
Role: PM, 10 yrs

I hear that UST acquired this last year. TIA

SO and I have 4 days for Hawaii (traveling from the West Coast) - where should we go? We’d want a mix of relax time and some sight seeing (nature)

When is credit suisse going to ask employees for returning to office?

How long after interviewing for a lateral position would you expect to hear back?

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?

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?

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?

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.

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.

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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

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...)?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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?

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

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

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

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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.