I think I know this but haven’t executed myself yet. Curious to know how multi-property investors have dealt with this. I have a mortgage (primary residence) that puts my DTI ratio upto 33%. I want to purchase a second property as a rental. Obviously, the second mortgage will put me above the top limit DTI ratio of 43%. I assume the bank will consider the potential rental income to approve the second mortgage, which should make my DTI under 43%. Am I missing something? How did you do it?

Anyone else experiencing a long delay getting their DC tax refund deposited?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

What do I need to do regarding my Amex before leaving the firm

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Is anyone investing in liquid funds? How do they benefit and what are their returns?
Recommendations are welcome.

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Who wants to be a millionaire?

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

turns out me and my wife underpaid taxes by 12k. Anyone else getting a nasty end of year surprise?

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I am new to the professional world, but I am confused about where I put my money once I have collected my emergency funds, I do not want to do trading but want to play a long term goal of investing, some good advice please?

Have never invested outside of 401k. Think I may start being able to put ~$500 in the market each month. Where / how do I start?
Happy to provide more details about my situation if its helpful.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

Any good restaurant for drinks and food for a team outing in the loop? Preferably near the water or good views

Anyone else here looking to make a switch into healthcare (physician, nurse, etc)?

Need advice from fellow female 🐠. How do you manage the crazy travel schedule ( 2-3 cities a week) and yet look fresh and healthy. I’ve been getting tired so easily; weekends are a waste. Any guidance

Fashion Q: what kinds of pants do you guys wear day-to-day? I know skinny jeans are considered “out,” but super baggy mom jeans are not flattering on my small frame. I wear leggings when I’m WFH, but I want to look slightly more put-together/fashionable outside my home

Any Dallas 🐠 looking for a room to rent? Bought a townhome in the Las Colinas/Valley Ranch area and looking to rent out the room & private bath on the bottom floor for $900 plus utilities. 28M 🐠

Starting to realize that the workload in Public Accounting isn’t bad, it’s fitting it in after 8 hours of back to back meetings that’s the tricky part.

What’s the one strategy/technique/ritual that has worked the best for your mental health? (Even if that was not the intention of it)

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Hey Bowl,
I work for a late stage(ipo) start up, earlier this year we were acquired & since then they got rid of our yearly bonuses and gave us an ESOP grant.
2 RIFs later we are almost bare bones. Since we are coming up on our usual yearly evaluations many of us assumed (with multiple conversation from our managers) that pay raises and promotions were due.
In a recent All hands we found out that this year there will be no pay raises nor promotions based off merit. Is it time to jump ship?

Generally curious about this years incoming batch of undergrads. What is your role and starting salary? Lots of HR laws ( CA, NY) and inflation this year so curious to see if people were able to use this to their advantage etc.

Does anyone know of any pickleball clubs in the Marina or Pac heights?

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!

Had a good phone interview on Monday, followed to that night with a thank you email (& some info he asked me to send over.) And... crickets. Do I wait another day to send another email? So antsy...

Recent admit here - how important are these pre-MBA Virtual networking sessions? Feeling like it’s hard to network virtually.

Bonjour à tous

Hi there! I work for a tech start-up and I've been tasked with revisiting their compensation philosophy and propose a better structure. I think this will also require me to revisit job titles, existing talent and tenure, performance, career paths, and the organizational structure. Any useful tips as I tackle this big undertaking?

Honestly, how bad are the hours at CMAAS? My firm is telling me I’m going to drown and I should stay if I value my WLB. I don’t know who to believe anymore.

When you teach a novel in class, do you assign pages for students to read at home? They never do it! How can we finish anything?

I still get really nervous before doing telehealth video calls! I'm never this way face to face.

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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. 

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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?

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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.

Thoughts on Fundrise?

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

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!