I've been looking to buy my first home recently but having trouble finding something I'd want to buy for myself. In the meantime (as I'm not in a rush) I've noticed properties that Id like to buy to rent out. Is anyone familiar with a process to buy a rental/investment property now, but still reap the benefits of first time home buying benefits later without consequence?
If it helps I am looking DC/VA.

Is there any internet/broadband reimbursement program here at HSBC EDPI?
If yes, how much?

Hi Fishes,

If anyone is looking to buy Life/Health insurance product please connect, we can avail good deals and discounts.

Why are the other cryptos not skyrocketing? Will Ethereum ever rise like Bitcoin has risen?

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

Anyone else pretty terrible at managing their own finances? I have an embarrassingly little amount of cash saved.

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Starting a new job as an immigration attorney with 4 years of experience at nonprofits doing USCIS filings under my belt but I’m making $75k at a firm with 3 partners, another associate, and about a dozen support staff. I can’t tell if I’m being paid enough but they are covering my health insurance premium, bar dues, CLEs, and AILA dues. Am I being paranoid?

Going with a solo 401k so I can borrow 50k if I need it for buisness purposes in the future with no questions asked and fast what companies should I look at?

My work doesn’t require us to be licensed in a particular state (i am licensed in my home country) - International Arbitration. What are the obvious benefits of getting licensed in New York?

Moving to NYC this summer, making 40x rent for most places but don't have any credit score (non US citizen).

Any tips on how to avoid expensive gurantors?

Is Argyle, TX good place to buy home and raise family?

Thinking of starting and Only Fans account for extra side money. Don’t know what it would be yet though. Sounds wild but my salary barely covers the cost of living and I’ve been living with school debt. Anyone have one on the side? Serious answers only please!

Hi Everyone!
I have an interview coming up for an Account Manager in Healthcare. I have 9 years experience in Healthcare Revenue Cycle Management and a degree in Communications but no direct experience as an Account Manager. Any idea what a fair salary would be for Bay Area California?

Should I sell my Tesla stock and go all in on Rivian?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?

Which style home do you prefer and why?

What’s the proper etiquette for telling your team that you’ll be switching service lines?

Hi all,

I’m hoping for UK Tech referrals. I’ve more experience than qualifications so would appreciate a referral

How’s comp and culture at Altamont?

Can an ADA make the jump to big law or a boutique litigation firm? I’m a NYC ADA (DANY/KCDA) from a Tier 2 law school (top 45% only) and top 10 undergrad. Can experience make up for mediocre grades?

Hello Fishes!
Can anyone tell me if our parents can stay with us for couple of days in the accommodation provided by HSBC ?

Anyone using the ACS yet? Tv, Digital or RADIO? I almost used the radio but client was too scared to switch since it’s new and unknown.

Thoughts on PERI? Looks undervalued compared to MGNI and APPS

What is CAF initiate process during recruitment?

If you're looking for a switch to Deloitte USI and have background in Identity, let me know. Lots of openings here.
Even if you are a java developer with no background in identity

How is job security, annual hike and onsite opportunity in Publicis Sapient?

Role: Product Manager

Please let me know your views.

Anyone investing in index annuities? Can someone explain why this is beneficial?

North America town hall...what are your thoughts people?

Is it normal to feel depressed/lonely during wedding planning? I almost feel like I can’t talk about it since other people aren’t engaged and I feel like I’m rubbing it in their faces talking about it. So I have to keep everything to myself and it’s kind of stressful

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Any recommendations for buying agents in Massachusetts?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Is buying fancy condos with high HOA(>$1k) worth it?

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?