I want to invest in a two-family home in NJ with a relative renting one half and non-relative renter the other half. With no leases signed yet, are there lenders out there that would factor in the future rental income to meet income requirements or otherwise underwrite a mortgage? Any suggestions on financing if I don’t have 20% to put down?

How does the housing market work exactly, like, what determines whether prices go up or down?

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

Not related to consulting but anyone has experience with ratehub / canwise financial as lender for the house mortgage? They seem to offer better discount on Prime rate compared to the big 5 banks.

When is the Bitcoin bubble going to pop?

2019 Hot Take #1: Mutual fund outflows will continue and accelerate if the market pulls back.

Top 5 stocks for the next 10 years? TSLA, AMZN, AAPL, SQ, SPCE

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

Recommendation for a CPA/ financial advisor in NY? Have oversea assets and investment property in the States. Can't seem to find anyone legit on Yelp:(

What's the best city in UK to buy a buy to let property, with best returns?

Gonna help my 16 year old sister get a Roth IRA and learn from my mistakes of not starting early... Should we park it in a target date fund or index fund (VTWAX or the like) ?

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

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

I find it intriguing that Trump turned himself into a billionaire on his father’s investments. Then, he became President. Suddenly, all of the people he’s been doing business becoming a billionaire are now also billionaires fighting for the Trillionaire Club status. His net worth is probably going to surpass them all in the end. Quadrillionaire isn’t even in my keyboard’s dictionary yet...but it will be soon.

The only thing I truly care about is money and I’ve tried hard to not be this way but I can’t help it. My parents came from nothing and I refuse to ever “feel poor” again

Thoughts on credit funds? Immediate start offer is tempting.

Hello :) I am moving locally within the Bay Area in couple of weeks and all the movers & packers I am getting quotes from, prefer to be paid in cash (there is a convenience fee with credit card payment). What are the advantages/disadvantages of either method of payment? Thanks :)

Hi Team,

Need one suggestion, I have two below offers:
1. Hitachi Vantara (37LPA including 8%variable + 2.5L joining bonus)
2. Hashedin by deloite (37LPA) but it's around 36km for from my room.

Please suggest who one can I joined W. R. T. Work life balance.

Eoy:8 years
Designation : Technical lead.

Hi folks , what’s the salary range for Wipro Europe development centre (iDeas D&C) for B3 level Sr consultant ?

Is this a 🚩. Got a great offer but the problem is that it says my manager is someone I never even met during the interview process. I immediately asked even tho I have the offer in hand if I could.

Has anyone received band progression mail ?

Is anyone experiencing a loss of staff because of the mental toll of this pandemic (parents and people to be everything to everyone while still maintaining work?) Even with company mental health programs, were struggling to keep staff (lots of HR issues).

My adland exit: I worked in new biz for 8+ years and was burning out. For a while I’d been feeling like a cog in the capitalism wheel and needed a higher purpose than pitch decks!

I wanted to work in sustainability to tackle the climate crisis and through a series of moves (AMA 👍), I’m now leading global marketing for an NGO called Forest Stewardship Council. A huge relief.

I’m also now hiring a Marketing Manager (true reason for this post). Long shot, but details below if this speaks!

Is your school/school district experiencing a shortage of subs?

Any good options?

In honor of the upcoming score release this week, what exam are you waiting on and how many do you have left?

I know it comes with the job but the non-stop LinkedIn Messages are starting to get old. The legit requests are one thing but I get dozens of solicitations which week...

Hi Fishes,
How is the Annual hike in Bristlecone?

Are any firms out there that are hiring full-time/remotely? Let's start a list

Is it possible for someone with anxiety to have a career at MBB? Anyone currently in this situation? How do you cope?

Are any Consulting firms hiring H1Bs in US? Came across job postings from OW, Alix but they all mention they don't want any H1Bs. Want to move from Deloitte.

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

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

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)

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

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.

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?

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.

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

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?

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.

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

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?

Do you thank your tenants for paying the rent? A quick thank you text?

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

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?