Is it worth buying down points? Looks like rates are not coming down at least couple years
Below are the options on 30 year jumbo. No points ~ 6.99% EMI $6646
Points $ 9300 ~ 6.375% EMI $6238
Points $23390 ~ 5.99% EMI $5995
Loan amount 1M

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!

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

Is it worth it to buy a multi-family home to rent out?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

Paid off my car loan within the same year of buying. I'm debt free now! 😊

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Question for the group: How to trade stagflation? Shorts and commodities / precious metals only get you so far.

Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

With the latest Southwest Visa cc, you get 4 upgraded boardings a year. I’ve used 1. My question is this. What is a “year”? Is it calendar year or your anniversary date of when card was issued?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Do any of you ever think about paying off your student loan in one go ?
Given that student loans in the UK is structured differently than the US (the higher you earn, the more you pay - gets written off after 30 years); at what salary range would you even consider paying it all off?

Any platform which lets you trade options after hours?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Ally bank dropping rates again. CD a good choice?

Started my grad job in consulting and keen on getting a credit card - any advice?

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What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Currently in NYC. I have a good book, but no partner. I was told I won't be able to find a decent job without a partner. True?

SO said he couldn’t receive letters during Ranger School, but finding info online that I can send. Any insight? Maybe he doesn’t want the distraction?

Those of you in industry post consulting, when you get a new internal job are signing bonuses a thing, or have you seen any version of this?

Got a verbal offer from the Partner. He wants to bring me in and asked my expectations. I told him a 140K with Manager position. The role was for a senior with probably a lower comp range but he said we can work it around and will talk to the recruiter.

How should I be negotiating?

Hey how to get pluralsight access?

What is salary range in MongoDB for International Sales Manager based out in India?

How much PTO does everyone get? Please include yoe for context

Companies in the area with the best maternity leave?

My firm typically does insurance defense, but we take plaintiffs cases here and there. Is it typical that work done by associates on contingency cases isn’t counted toward their billable hour requirements unless and until we receive our fee on the case? This is my first experience with this, but it’s hard for me to reach my hours as is, without spending time on non billable cases like this with no assurance that I’ll see billable credit at the end.

Does anyone know what the dress code is for the upcoming CAALA Trial Skills seminar? Do people usually wear suits or is it business casual? Thank you!

Give me the strength to set a boundary today and do something fun instead of waiting by my computer for emails

New to gds. is today salary day? Or tomorrow?

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?

Can I make rental agreement as paying rent to my dad for tax savings .. I would like to mention 46k per month as rent .. Please help .

KPMG EA’s - how many of you are going into the office? Average number of days per week?

Hi all
I work as chef and i m looking for job change dm me if any opportunity is there

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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?

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

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.

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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)

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 went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

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)

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Is it common for HOA to ask you to prove your car registration is up to date?

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.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Any Property Management recs in Seattle area? :(

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

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

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?