Just went through my first HVAC issue at home...not a major cost but it got me thinking about how to best manage expenses around HVAC and plumbing issues/ resulting expenses.. can home insurance cover these expenses? If not, is there a support warranty that companies provide that will take care of any HVAC expenses for a fixed fee?

What is a good alternative to coffee to stay awake throughout the day? (other than sleeping 8 hours...)

Looking for purchase health insurance for business. Has anyone bought health insurance through their solo practice as a corporation. Any recommendations as to who to use. Small firm 1-5

Curious to hear the story of anyone that has overcome or going through cocaine addiction. Given that people in this bowl make enough money to support such an expensive habit. Take me through your story - how bad did it get in terms of daily consumption and total money spent? Please share if comfortable.

Just taking the opportunity to get current. Sober 3 years and 10 months. This past couple weeks have been stressful and my mind slipped into fantasizing about my drug of choice. Last week I flipped out at some of my wife's family. I did an amends and I think time will heal this one. It's all up to HP. Although I have neglected my morning practice this week, I'm practicing self compassion with positive self talk.

Has anyone in nyc been to LM Medical for Botox? In Greenwich village

Best HC Plan offered by Deloitte for someone who sees multiple specialists and has a large number of recurring prescriptions?

Any recommendations to avoid feeling sleep towards the end of the work day? 3-5 PM I start doing the famous head bob if you know what I mean 🤣

I’m desperate to get out of town. Can’t really do Road trips bc I can’t drive for long periods due to injury. Where can I fly to that’s relatively safe and I’m not putting anyone at risk?

Do you buy insurance when travelling to US for fun? Moved to Europe recently and this will be my first time back in US without employer health insurance - should I buy travel insurance? Where from? Thanks!

Had an interview and the place says they’re in person 2-3 days a week. It’s a small team but is it crazy I was really put off by that? I’ve been remote since the beginning of COVID and fully expected to be until I’m/the majority of people are vaccinated. Is anyone else going into the office?

I’m feeling anxiety about Coronavirus. Does anyone else think that the virus is being used by the government for population control? I don’t know if I’m paranoid.

I’m trying to get my parents into adopting healthier eating habits but nothing is really sticking. Do you have any recommendations or like books I can give them to teach them what’s actually good to eat vs. falling for good marketing/ fads?

Greece Vs Budapest, Vienna, Prague during first week of October for 10 days. Which one do you prefer and why?

Going to be passing by London for a night (landing at around 7PM on a Friday, flight out at noon the next day). Is it worth going into the city? Where should I stay / how to maximize my time?

Can any one refer me im KPMG GDS? Working in another big4 GDS AWM sector as a senior. Having experience of 2 years.

Can someone refer me for role of devops and CI CD at Goldman?

Have 2.4 year of experience into fraud investigation. Current CTC 4.5 LPA and GS offered me 6.5LPA is that good enough?? And any suggestions before joining Goldman Sachs

Deloitte launches climate change learning for all staff. Thoughts?

Hi fishes,
I have attended l2 meeting 2 weeks ago. Waiting for results. Now another job vacancy posted, if I'm able to get reference and apply for the posting. Will I be called again even if I apply with same mail account. Because still I didn't get rejection mail for 1st interview.

Anyone in dc? Let’s get fucked up

What is project specific BGC in TCS?

Science & Democracy... Thoughts?

Huge delays in biometrics

Anyone sent their H1b renewal package (visa appointment waiver) in Canada? I am worndering how long Calgary consulate will take to retun my passport?

Will there be a second round of H1B lottery this year?

Thoughts on Hudson MX? seems like it eliminates a lot of pain points in the buying process. Goodbye Mediaocean?

Hey fishes, I have an offer from a Big4 firm in Dublin for tech consulting in SA1 position. I have been offered 53k as fixed and a bonus of max 7.5% of fixed compensation. I do have a prior experience of about 40 months in Big4.

I wanted to check if the compensation is fair according to pay standards in Ireland?

Which bonus should I expect for referring someone at LLP: the AFS or LLP bonus amount?

Anyone else hate having to ask customers to donate to charities? ...like, I get that it's for a good cause and everything, but it feels super awkward

What's a reasonable salary range for first year Senior in an area with cost of living at 95%?

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?

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

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

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)

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

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

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

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?

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

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.

Anyone take the WI Real Estate state exam? Any tips on what to study?

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

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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.

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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?