I want to buy my first house. I'm aiming for a mfh so that I can live in a unit and rent the others out. Is my best option for a lender right now a big bank, or are there better options? I'd like a lender I can use repeatedly so that if this works out I can do it again. Then I can slowly accumulate rentals.
Advice on lenders?

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

Is there a loop hole to having a Roth IRA even if you are over the income limit? How did Peter theil get one? Looking for advice

Can someone please help me know what is this "gift perk" the comes under the head "Adhoc income" when you see the IT statement(under new payroll) ? This adds up to my yearly Income but I don't see that in my salary slip.

If I have a six year old and 150k in a 529, can I say I’m done?

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

What’s better the S&P or a total stock market index fund?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Can I save tax by buying second house if first house is already in my name?

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

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

Who does your taxes? Need a recommend. Thanks.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

My landlord requested a $100/month increase in rent. I want to push back on that increase, given the uncertainty around corona virus effects. I need to re-sign by April 1st, if I wish to extend. (1/2)

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

Is it worth making the time/money investment to make the switch from big 4 FDD to MBB. This would require getting into and paying for a top MBA program and my net worth would be way negative after that. Are the MBB financial returns worth it? Im 26 years old for reference

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

Anybody on Trintellix? Thoughts ?

How do you deal with a boss that wants you to quit and is becoming increasingly more abusive. But you haven’t found a job yet and need this job financially.

I’m sick of living in NYC but can’t go anywhere.

Any advice on dealing with an eating disorder in the workplace? Mine is taking over and my work is crumbling. I often can’t focus or remember anything from meetings or conversations because I havent..

Who is bipolar and/or has major depression and/or has anxiety and/or is/has anything else? Who has been in a mental hospital? Who has been to rehab? Who sees a therapist? Who sees a psychiatrist? ...

Has anyone else noticed they’re stressed without “feeling” stressed? I don’t feel as stressed as when I was in college. However, I’m still on the job hunt and I think stress is manifesting itself without me realizing it. My skin is showing really bad acne, I feel unmotivated even to fill out job applications; I’m having trouble falling asleep at night and even though I sleep past noon sometimes I still feel tired during the day... Is it stress or burnout?

Help! I was headed to the 7th Circle of Hell but took a wrong turn and ended up at Cadwalader! Can anyone tell me how I make it back? I can't stand it here!

Any Boston AE/SAE jobs available?

What is career progression in business consulting domain after consultant 2 rank 44? And how many years on each step

Hi fishes,

Is there any referral opportunity available for the Data Engineer role with EY.

YOE: 4 years

Tech Stack: Python, PySpark, AWS, SQL, Hadoop

Travel and TTC combo haven’t worked. After 6 months, the only offer I got included 4 weeks paid and FLMA only after 1 year. So 1) go and risk laughable benefits or 2) stay but risk TTC. So shitty 😭

Anyone taken the GD test after having covid recently? I have my test in 10 days and I'm currently recovering from covid.

At what point in your career did you decide to upgrade to a nicer apartment by yourself? Was it age, salary, or something else that prompted you?

I dream of the $2-3k/month 1bd luxury apartments in center city. Currently living with 2 roommates at $350/month to save money. 26 with 115k base

Looking for a position in the ICU at Loyola Gottlieb Memorial Hospital, are there any recruiters out there?

Which are Employee perk & benifits at BNY ?

Hello I have given Last round of knowledge management associate profile. When can we expect the results ?
Does ZS send rejection mail also ?

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!!

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! :)

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

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

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?

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

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

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)

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.

Any Property Management recs in Seattle area? :(

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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?

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

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.

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?

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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)

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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!

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?