If you take a new mortgage, receive ~$3-4K lender credit with higher interest rate (opposite of paying points), and refinance in a year, are there any implications? Would you need to repay any of the initial lender credit due to the mortgage repayment?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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.

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

I am financially secure (husband now has a high earning job) and looking at what options for "moon shots" at chances of real wealth generation with my years in Big 4 (10+). Month to month cash flow isn't a concern anymore so i can focus on opportunities for bigger pay days. Ideas from the hive mind?

Morgan Stanley or Schwab? Which brokerage should i choose?

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

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?

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

Freelancers - who’s your tax guy ? I’m very, very confused.

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

Have 20k, what’s a good small business to start with this fund? Serious question here

Do no preset limit credit cards hurt your credit score?

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

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

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

Hey gang - I want to get more serious about my stock investments this year but don’t know where to start. Already maxing out my 401k and Roth. No debt.

What are your favorite/best resources for teaching myself how to build a strong long-term investment portfolio?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Hi Fishes, I have interview for Product Controller in Credit suisse. Can anyone please let me know which topics should I study ?

How is the variable paid in pwc? Is it given straightway from joining?

Can anyone suggest to me any good sites to find remote jobs in the US which pays around $60k to $120k annually.

YOE - 3.2
Tech stack- git jenkins docker Kubernetes AWS ansible.

I want to become an art director with zero design skills. I’m going to have someone else comp everything up for me. The ideas might be solid. Who wants to hire me?

Thoughts on Klick??? Very intrigued

KPMG folks, thoughts about Lighthouse relative to other big 4s? About to start the interview process. Coming from EY FSO DDnA

Hello, I am currently in Toronto, and have two year expereince as Development and Operations. With skills in AWS cloud and DevOps, how much salary is appropriate to ask during process? (per hour). Thank you for your consideration.

Salary for research coordinator at John’s Hopkins university? What is a good salary range for someone with a masters of science and 3+ yrs of experience. Thanks

Colleague has put in his resignation. They are offering him whatever he wants to stay including 4days a week work from home. He’s not bluffing and plans to leave. However, at this same time I was asked to begin working as a supervisor for the engineering team and I would get a promotion at the beginning of the year. I have been supervising and managing our team of 6 for months with no extra pay or bonuses. I was told yesterday that raises will be light this year. Yet today they spare nothing.

Hi Fishes,

Any info on how is claranet company in terms of WLB.

Hi fishes, any openings for SAP consultant in American Express in India

Does anyone have experience with the AWS Fraud Prevention team? If so, can you speak to the day-to-day, WLB, and pay? TIA!

Any Property Management recs in Seattle area? :(

Wondering what the salary is for this position throughout different firms. Anyone willing to share?

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.

Did anyone else need to get PPMD Approval to participate in Firm Initiatives/Contribution activities? Just emailed my resource manager to get involved and she said I had to get approval first.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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

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?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

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?

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

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

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?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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!

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

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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

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.

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

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

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.