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...)?

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

There has been a significant flow of investors to higher yielding corporate and emerging market securities.

Can anyone tell a single benifit we get in India after paying 30% tax ??

Off Topic:

I am staying in rent in bengalore and my house owner has hiked the rent by 70%. Question to People staying on rent, is everyone facing issues like this? What is the ideal rent for a 2bhk in your locality/society?

I don’t get why even the most reputable financial news still try to attribute market moves to people. It’s not individual investors who are in control of day-to-day moves anymore, it’s algorithms.

If you had 2 mortgages at the exact same interest rate (1 is a 15 year and the other is a 30 year), does it make sense to put extra payments (say 400 per month) towards one or the other? Looking at it purely from a $ perspective in the long term (not psychological where You prepay the lower balance quicker to ultimately have only one loan).

15 year loan - 125k balance (renting this property out)
30 year loan - 400k balance (looking to buy this property soon)

Any success stories with EB5? Who did you use? How were the investment terms? Been on H1b 9 years now and no end in sight with eb2 wait. Concerned with risk of outright fraud not 500k investment amnt.

Let’s talk finances. How are you all paying for this? Loans, I assume, but any strategies?
In early 2021, better to try to max out retirement accounts to maximize financial aid or to just start saving?
200k is so much.

So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

Is it legal to collect the rent in a separate LLC even though rental property is not owned by the same LLC?

Are consultants at MBB allowed to trade individual stocks? Or are they limited to mutual funds only? For example, can someone at McKinsey buy AAPL?

Hi All, newbie here to real estate investing. I have a primary with about $180k in equity and want to A) Get a larger primary in about 12 months and B) Acquire a cash flowing rental asap. Would you try to cash out refi and buy an investment property now; cash out and rent out your current place and buy a new primary or sell your current place and try to get buy a small investment and a new primary?

Where are you guys at Deloitte buying options for GME/AMC/NOK, etc..
Now? Td ameritrade blocked them.

Has anyone here used infinite banking to fund their real estate investments? If so, could u share details about the policy design you got? Is there a way to tell how different insurance agents have different fees before engaging them in discussion?

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

PSA, you can transfer your car loan to an interest free credit card. Got 18 months interest free with BOA and a 20k credit limit. Transferred my car loan and I am no longer paying interest

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

What are some personal finance actions that, if needed, must be done by end of year? Let's try to make a checklist!

Tax loss harvesting

Retirement accounts for 2022: can contribute or withdraw over-contributions until April 18, 2023 IIRC

HSA: same as retirement accounts

...?

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

Anyone from intelligent automation or RPA Team got their hike?

I know this may sound like a question but I'm not sure how far along am I. My last mense was we 8/2. My embryo transfer was 8/23. I did my blood test on 9/1 and it was positive. How do I know how many weeks am I?

37 weeks today! We are excited :)) the waiting period is weird though. When will baby come???

Management consultant evaluating an offer from Google’s Go-to-market team (Strategy & Operations) in India. Two questions:
1. Given it’s an internal consulting role, are the hours equally bad / worse than consulting firms?
2. Is it virtually impossible to move to a product ladder after spending 1-2 yrs in the role?

Help with a Google Cloud offer: Tenured Engagement Manager received an L5 offer for Product Strategy and Ops - still awaiting comp details. Need inputs calibrating whether it’s a good offer since couple of colleagues with similar profiles recently joined as L6 in the same role. No urgency to leave so happy to wait it out for 6-12 months to get a better offer. YoE: 10 yrs

Any good gated communities near Taramami office ?

Looking for a place to stay

Hello, we've recently started a community focused on FAANG interview preps. Wondering what kind of content people might be interested to see in such communities.

Hi Fishes,
I got offer from persistent with 31lpa.
But most of the compensation they added into skill bonus-1400000. Due to that my basic salary is low- 50k as compared to my cctc basic salary, which is 63k with 19.5lpa.
Is it normally happening with everyone joining to persistent?
Can Persistent increase basic salary component and reduce the skill bouns?
I asked hr to increase my basic, but she mentioned that it’s system generated and standard format, vary cmpny to cmpny.
Plz help me out guys.

Hi, what is diff between EPAM anywhere and EPAM systems.?

is it safer to join EPAM Anywhere considering recession@?

California 🐟 does your vacation payout when you leave your job get taxed at regular wage, or bonus, levels? Does your employer have discretion to choose?

Anyone know of a company that would allow me to work remote from Mexico part of the year?

I’m currently working on my Juris Masters in American Legal Studies online. It has been stressful beyond belief!!

I want to go to law school but I found passion for education law and working in the government can I do that with this Masters or should I keep going towards law school?

Dang. Recently been seeing so many of my colleagues get sweet offers to go elsewhere. Def feeing envious. Good to know this firm and consulting in general can take you places..

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

When you tell your manager you are unhappy and they are excited that you are putting your notice and don't try and make any changes b/c the new person/persons they are lining up will just cleanup and make it better.

Then, they get here and you are left to train them on everything you do and your manager keeps saying "I owe you an apology" because they didn't realize how taxing and mind wrecking most processes you handled were... welcome to corporate

Any boutique firms that do IP and don’t have billable hours? (I already know of BB)

Whats the best website to compare neighbourhoods within your state? Combed thru Niche but looking for additional reviews of people who lived there

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 the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

Trying to find an investment property to rent out for about $300k - what are your recs for location ?

Best book(s) to get started in real estate investing?

Is it worth to keep being a small time real estate investor? Two homes, 600k value, 300k equity, combined monthly cash flow only $1100.

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

i just got my power line bill for 80 dollars between me and my roomate and find this expensive? I live in a 2/2 in FL. Wondering if there are any data points I can use here.

Has anyone been told they need 25% down for a vacation home?

Looking to purchase an investment property (condo) in Denver. Anyone has recommendations on the areas that would be good from an investment point of view (cash flow positive)? I love Capitol Hill but I’m not sure what the rents are like there.

As a single person, is it weird to buy a big 4 bedroom house instead of a 1 bedroom condo?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

NYC rental property owners: do you put high end appliances in your rentals to entice tenants? Especially in this kind of market?

Looking to buy a rental home in Durham,NC. Anyone here has any recommendations of what to lookout for specifically in this area ? This is my first rental property

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Tomorrow is a big day for me!
Made a written offer on an apartment on Sunday. Owner‘s starting price was 500k. My offer is 450k. He thanked me and we are meeting this weekend to „negotiate“. Tips?

I just want a decent house on the west side/Culver City/Mid City area of LA, that’s less than $900k. Is that really so wrong?

I have better. com offering me 3% with ~800dollar credit vs another at the same rate, no credit but it's a loan officer recommended by my realtor who has actually been very helpful. I have heard service at better tends to lack after rates lock. Any firsthand experience?