In the process of purchasing our first primary residence and would like to learn the ways on savings/tax break benefits. I’m aware of the homestead tax exemption that could save a few thousands per year. What are some other ways to save money? Especially with some big repairs we may have to do.

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

How much money do you guys owe on your credit cards? I am at around 15K, is that completely outrageous?

Hear me out! I left my 15 year career in the corporate world to pursue being a realtor.1) It was never boring
2) It was the most challenging
3) It was extremely rewarding to be able to help families find their dream homes

What is the best-kept secret among realtors?

I really don’t understand this housing market. Did execs from big companies really decide to screw first time home buyers by purchasing all these homes for cash and driving up this ridiculous market? I truly don’t know how I’ll ever afford to buy a decent home. I’ve never been more stressed about something.

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

Have anyone negotiated their rates with wells? I wanted to use wells but another lender of giving me a better rate.

Thanks!

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Tampa lawyers who work downtown: where do you live? Looking to purchase a house soon and am trying to decide between a low commute time (crappier house and a tight move financially) and a longer commute time (nicer house and more comfortable financially). The longer commute time also comes with better public schools, and I want to have kids.

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Moving to the U.S. soon, so bear with me on this.
Is there a specific type of account you buy stocks on in the US?
For context, I'm Canadian, I have a TFSA and RRSP (also relatively new to stocks/general personal finance)

What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

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!

Lots of 2-year-old posts here talking about their uncertainty of buying a home or investment property. I hope you did! Looking to buy my first flip in the next couple months, does anyone have any advice on flipping vs renting? My original plan was to flip and buy rentals while keeping my capital base up with my flip homes and slowly building my rental portfolio. Any thoughts on this?

Hi fishes, I have only one house property. But when I tried selecting ITR-1 for filing income tax, it shows a message in red mentioning I should select either ITR-2 or 3 since I have income from more than 1 house property. Should I go ahead and file with ITR-1 or do I need to get correction somewhere before filing the return?

How long does it take to make at least $300k per year if you are in-house?

Which credit card do you think is the best for ME consultants?

I've been exploring exit opportunities for a few months and still holding out for the right opportunity. However, I've had A LOT of recruiters reach out to me for positions that are way below my current salary. They do the whole "your background and expertise is exactly what we're looking for" then turn around and offer a salary range that is 20k below my current level. My resume clearly says I've got 10yrs experience and an MBA. I **don't think* I should be getting offers of 80k-100k

What do you tell a recruiter asking about other potential offers/interviews? For context, completed my rounds of interviews with this company and they likely want to know my timeline to provide a decision

Where do you get your news on ESG?

What age you started at public accounting?

Hi All, After HR Discussion its around more than 10 days i have not received any offer letter and HR is not replying on mail too.

Did anyone faced same issue.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

I’m a Bitcoin bull, and believe it will eventually be a hedge against inflation...

But right now this thing moves in line with the market :(
Beta > 1

What is the best platform for cryptocurrency?

Any advice on renegotiating my salary? I’m a compounding pharmacist and i also float to other stores while also being solely responsible for the compounding pharmacy. I perform MTMs for 6 or so stores and am now a being asked to other projects. I originally signed on to only do compounding and occasionally fill in at other stores when needed. I have another offer from a hospital that is significantly higher than what i am being paid now. Would just like some pointers on this kind of conversation

What is the use of earning badges in Level up? Is there any advantage to this?

Moving from Chicago to Atlanta. Looking for thoughts on Grant Park area to live - near the zoo. Pros and cons please!

Can someone remind me what it's like to be in public and not in busy season? My brain can't go back 9 months

I have a lead on a great paying Sr Business Affairs role. Can do fully remote. DM for details.

If already accepted the offer letter of TCS for one SKill and another opening came in TCS for another Skill. So can i apply for another role ? And If yes if I cracked another skill interview , Will they give hike on my current TCS offer ?

HCL or Infosys compare to TCS in terms of job security?

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

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!

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?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Recently joined and maybe a long shot: does anyone have insight or advice for condo buying in FT Lauderdale? Realtor and area recommendations?
This will be my secondary property until I can shift residency. Early 40s single. Looking at las olas condos at the moment. Thanks!

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.

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

When selling a home have been able to negotiate lower commission with your broker if the buyer is not represented by a realtor (eg, 3% in this situation versus still paying the full 6%)?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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.

How much importance do you give to proforma numbers when purchasing an investment property?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

Hi - any good books recommendations for getting started on real estate investing?