I need help. I’m closing on a house on 4/20. I recently dropped a down payment assistance program since they didn’t allow you to rent out spare rooms under the program. So I transferred 3% from my fidelity account on 4/3/23 to replace what I was going to get from the program into my bank. My loan officer is now saying they need financial statements from all my banks and Fidelity for the month of April. The problem is they don’t release till May. Fidelity is the only one that’s not helping.

Looking for a good personal finance or similar book to read. Any suggestions?

What is with people not knowing how to read signs? We have a huge one that says “NO CASH ALLOWED” and I still get asked almost everyday if we take cash

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?

What is a reasonable rent increase %

Whats the second source of income for a IT employee ?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?

Is it a bad idea to buy my first home given the current interest rates?!

Guys ..
When will final settlement take place? What will be the components of it?

How did you all start as an angel investor? I am interested in becoming one… but don’t know how to start. I have 20 yoe in tech, and currently work for a faang. My entire portfolio is in stocks and re. I would like invest $250k or so over the next 12-24 months as an angel investor.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Need suggestion:
I have offer from Morgan Stanley Budapest. They offered me 1.1 Million HUF Per month. I need advise weather this opportunity is good and how much can I save there. Also want to know whether it is advisable to move to Budapest.

Current CTC is 20LPA in India

Thanks!

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

How useful do you find bitcointalk to be?

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

After having sufficient capital to afford a down payment on a rental unit, what are the next steps that a first timer should make to evaluate buying a rental unit? Any and all advice would be much appreciated! Thanks in advance.

New investor here. Don’t have too much money to invest because I have my first child on the way. I only have a 401(k) as of now. What would everyone suggest?

What're people doing these days? I just moved to Reston and am working from home so feel like I'm completely disconnected from what's happening in the city.

Should I use 4:3 or 16:9 for my ppts?

Client wants to use 4:3 and I think they are insane.

I really like finance, but I want to be a sole proprietor. Any ideas of what I can do besides making my own hedge book?

What’s your expected bonus this year vs last year? can be % or just actual amounts i’m curious to see how much worse/better things have been this year

What is average compensation for finance manager (FP&A/strategic finance) with 5-6 YOE. Mid COL city: Miami

Hi team

I need you suggestions on
IQVIA or CAPJEMINI.

Skill : Manual ,API , ETL .
Yrs : 6+ yrs
Iqvia offered 1 lakh more than CAPJEMINI.

Need your help on this .

Can I get 10 likes please 🙏

Memories flashed back while lying on bed looking at the ceiling fan... 😉

**2007: Used to stay opp. to DLF1 for 4 yrs(b.tech days). Back then, "Bhai, Technopolis chale" used to mean let's go and 'score' some good stuff.🙊🙈

**jumpcut 2022: After staying 10+ yrs outside West Bengal, now Technopolis means my upcoming office. Damn!😀

Does deloittw in Divyasree has shuttle to yemlur junction ??

What's the new age scene like in Austin? Coming from Portland and I'm missing my fellow mystics.

Hi folks

Wanted to know growth and opportunities in Novartis Consultant role I have a offer from
Novartis for Consultant role - ctc - 24.2 + 70k joining bonus
And have another offer from Amazon for Program Manager fixed- 28 lac + 1 rsu (3.5 lac every year) + 1.5 relocation bonus.

Need some thoughts on which one to join.

Thanks in advance

Amid this crisis I hope the Christian body can be a channel of blessing and a city on a hill. How are you all working to be obedient to God and be a light in this time?

Anyone familiar with Marsh & McLennan? Am I understating correctly that it’s the parent company of OW?

Hey CGI folks, from where can I see current year holiday list for 2021 in India?

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

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?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

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

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!!

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

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

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?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

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 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. 

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.

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?

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! :)

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”.

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

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

(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?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.