I’m starting to look for houses. Preferably a new build. I’ve been reading looking an into financing a lot lately and came across 3-2-1 buy downs. Seems like it would be a good tool for home buying with current climate. Is this widely offered by mortgage lenders? Also, what would be some drawbacks or better alternatives to consider?

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.

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?

Why do people accrue prepaid expenses?

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?

Is this the official Amex Fishbowl?

Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

Anyone ever take a taxable withdraw out their 401k? What was your reason for doing so? Knowing what you know now, would you have still done it?

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

Anyone have a recommended tax person in Chicago?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

How can I invest in real estate ? Looking for an additional passive income source

Recommendations on how to simultaneously pay off student loans and invest?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

Other than low salaries and high housing costs, what are some of the biggest barriers teachers face when buying a home?

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

Is IB worth the sacrifice of WLB? Obvious pay is really good but are the prestige and pay worth it if you’re planning on only doing it for a couple years?

Currently working at an IRA with great WLB. Honestly I love my job, the firm, and people I work with.

Also doing MBA part time at a T15 school. Thinking about switching to IB but I’ve done my research and I think I would burn out of IB in two years but I might be ok with that for the opportunities after.

Should I decline the offer and ask to be considered for a higher role that better fits my qualifications? The offer I had was with a great bank but I'm overqualified for that. Its been hard to find a job because I dont have prior experiences.

I need help figuring out if I’m being underpaid. I’m working in real estate private equity and I focus on fund models and property valuations. I’m currently at base $80k and 20% bonus. On top of that I have 5 years experience and a masters in finance. I’m good at my job and receive positive reviews from everyone. I feel like I should be compensated better but the company says that’s what they think I’m worth. Any help or insights would be great!

Need a morning workout buddy

Best managerial practice to solve serious team conflicts?

Advice on job hunting in the remote environment? Currently at a cvc firm and looking to make the jump to institutional vc

Anybody work for EY NZ? Realize borders are closed at the moment but my wife and I have been researching a move to NZ for years now. I'm a Micrsoft Biz Apps/Dynamics Developer in the US. Doing an internal transfer would be my the easiest way to move so just wondering if anybody had any insights into the process.

Hands on Skills in COBOL,DB2,JCL,VSAM

I have been looking for job change and when I speak to HR's with the expectations of around 25 LPA fixed( my current salary is 15 LPA)... Most of the companies are directly rejecting my profile saying budget issue...

But is it really more that i am asking for or is it because of the my skill set?

I wish this was more lively.

Hi folks,
Joining EY GDS in a weeks time. Do we require any account in a specific bank for salary payments

When do we get the variable pay?

I am having skills of Analytics but not getting job I know Excel and other tools also Power Bi, Google sheets, Google Data Studio, Python, My Sql in learning.

For those in government, is it difficult to land a position without a CPA? Currently have 3 years in PA, tax senior, Enrolled agent & MST and looking to leave PA next year. The Tax analyst role in IRS’ LB&A is interesting to me. What skills/certifications do they value in those positions in their hiring process?

Can employess on NP apply flexi? Or sick leave ?

If someone needs linkedin premium for 6 month. Pls message me

I have desk whiskey in my home office that I use for most days that end in “y”.

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. 

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

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Someone asked me if it’s a good time to sell vs buy. So I explained that we’re in a seller’s market, then realized i lost a potential buyer. To what extent should I be transparent in this market?

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.

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

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?

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

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)

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?

Can I get a commercial loan without 25% down?

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?

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!

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!!

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...)?

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

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?