If I’m buying a house right now and I know I’ll refinance whenever (if ever) rates drop, I should take all of the closing credits I can to raise my rate, right? Because if the rate will be refinanced anyways in X years, I may as well get the credit? Obviously there’s a breakeven

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

Anyone got the salary credited.

How much tax you paid... please also mention deduction u have used.

Let's make a list....will be usefull for all Amazonians

December 31, 3018
Bitcoin: 30,000
Ethereum: 2500
Litecoin: 1000
Bitcoin Cash: 12,000
Ripple: 12
Cardano: 7
Neo: 500
Eos: 120
Dash: 3000

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

New Jersey partnership question.

Partnerships need to use market sourcing for purposes of calculating NR withholding tax (though NJ doesn't even call this withholding anymore).

However, for purposes of calculating the NJ distributive share of income, you apply Gross Income Tax (personal income tax) rules, which is 3 factor and includes COP.

If I end up with 0% apportionment under GIT and 10% apportionment under CBT (withholding tax), the partnership pays tax upfront but NRs get 100% refund?

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.

What is your favorite part about being a realtor?

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...)?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

Anyone from tax can help me on some tax related queries.

Q1-Can I claim LTA and LTA cash voucher both for the current Block?
Q2- In LTA cash voucher scheme i have a total expenditure of only 50K approx so how much can i get as saving for Tax?
Q3 How the above 2 can be claimed during ITR filing?

I have more Questions but if we get replies on these we can discuss further.
This can help everyone

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

Anyone else into Bank Bonus churning?

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

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

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?

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 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?

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

Who would you recommend to refinance student loans with?

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?

Do you guys do the highest coverage insurance?

What are your companies doing for health/wellness initiatives? As an example some are hosting virtual workouts for their employees, just wanting to get ideas

Anybody working here at CS from third party payroll?

Girlfriend of 3 years cheated on me right before we were supposed to leave the state and move in together. We broke up about 4 months ago. I couldn’t demonize her, so I’m still struggling with processing it and idk what to do. I’ve been looking into therapy, but I can only do online which leaves me hesitant. Any advice would be appreciated.

How do you all role out your ERG

Does anyone in the UK use Haye Grades and know the salary range for a grade 20?

Does HCL run BGV on UAN?

Moving to Boston from NYC and work in Cambridge. I’ve been recommended Back Bay, South End, and Seaport. Where do you recommend? Where is best for dating life?

Dating my guy for 6 months now and he’s just such a lovely soul but I’m not physically attracted, there’s no spark and I’m afraid to let go but also afraid to keep holding on..

Any single female from Kolkata ?

Tricare Q:

Vets using Tricare with a family. I’m out and can use Tricare with the VA, but my wife and I each use our company offerings for our family; which obviously come at cost. Is it worth it to switch to Tricare? Has anyone done this and can share details? Positives/negatives?

Hello sharks, which band and role will be offered in Wipro for 3.5 YOE in iT, relevant 2.7 in devops
Would they offer project engineer with b1 band or associate Project Engineer with A1 band

What’s the salaries for network architect these days ?

Hello,

I work in Accenture for Microsoft as an Incident Manager role. How can I secure a job in Microsoft directly and get a role with my current experience in Incident Management?

Open for suggestions 😊

Best Clothing brands. Drop in your suggestions:

Shirts:
1. USPA
2. Peter England (Formals)
3. Allen Solly ( Comparatively cheaper than other brands)
4. Superdry
5. Levis

Polos:
1. Superdry
2. USPA
3. Calvin Klein
4. Allen Solly
5. Tommy Hilfiger

Tshirts:
1. Levis
2. Superdry
3. USPA

Wallets:
1. Tommy Hilfiger (Buy from Myntra)

Briefs:
1. Calvin Klein
2. Jockey - Only Tactel series

Trunks:
1. Jockey - Only Tactel series
2. Calvin Klein - Established series

Vests:
1. Van Heusen
2. USPA

⚠ OFF TOPIC ⚠
GYM 🦈 please suggest diet chart for fat loss (vegetarian) & (office going)

1. How can I build 6 pack abs on vegetarian diet and I'm not interested to take creatine or any cutting steroids. How much time will it take.

2. How much weight should I lift and how to improve weights in gym for weight training.

6 feet height
80kg weight
22% body fat
4 months gym

Has anyone tried Polo Tshirts from Nautica?

Reviews?

What are some perfumes that you love and recommend to fellow bros eyes closed

Has anyone bought property where the EPA has remediated the site for lead contamination in the soil? If so what’s your experience?

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.

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

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?

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 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?

Any Property Management recs in Seattle area? :(

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?

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

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

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

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

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.

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

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

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.