My brother and SIL are moving to the states for the first time and are searching for a home to rent. All companies are asking for income proof of 3x rent price. My SIL is in med school and uses her student loans for housing expenses, they’ll also be living with another med student in the exact situation as my SIL and my brother is a vet that will look for a job once they move. Some places don’t want to consider the loans and others that are considering them are still asking for (continued below)

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

In your opinion which is the best target fund to choose in IRA Roth?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Has anyone tried UPS or Fedex pick up for moving boxes without a car? How’s the pricing? Hard to get an accurate quote

How much do professional, high-earning (300k+) people put down as down payment for their first home / condo in Manhattan? 20% seems pretty high given the median prices, but looks like thats standard

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.

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

H1-B, have a stock brokerage account as US resident and planning to go back to India for good. Any recommended stock broker that allows maintaining the account form India without US address?

Is BRK-B a buy right now?

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Feeling a lot of pressure to buy an apt as my partner and I are in mid 30s and see ourselves living here (Brooklyn) long term. Can’t get over the high prices, high fees and idea of sinking all of my money from the market into one asset. Every apt for sale we are seeing is less nice and highly monthly cost than our rental unit which we love and running the numbers never looks good. Convince me why I’m wrong

Welcome everyone. I hope to keep this bowl clean of any promotional content while discussing ideas to grow our wealth together. Please share the group link on your company bowls so that we can get good participation and useful insights...

How much tax will be deducted on 18lpa fixed salary (1746800 in hand after epf deduction)? Even after investing 1.5 lacs in 80c.

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

How hard is everyone pushing their corporate clients to authorize nonresident assignees whose only 2020 US compensation was the value of their 2019 tax preparation?
My clients are pushing back on it this year, and I can't say I blame them. If I were in their shoes, I'd rather take the risk of not filing than the expense of filing again. From my own point of view, I don't really want to spend my time on such returns, either, even if the revenue and easy return are nice.

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

For background checks... who do you guys use and would you be willing to share monthly membership fee/cost per check? I currently use HireRight and have been happy overall... but I don't feel that it's very competitive at $48/check. Thanks in advance!

Interested in investing in real estate. How to even begin and what apps should I be using?

SEs, do you have any side hustles for weekends or weeknights?
I'm in a very HCOL area and my 165k TC isn't enough to comfortably buy a million dollar house (which is a 50 y/o SFH that needs TLC on prob a 1200 living sqft).

Wondering if any of you work side gigs during your free time?

Is there a sign-on bonus in Big Pharmas in Canada? If yes, what should one ask for specially when they are switching from another Big Pharma. Also what should an average bump be?
Wanted to get more info about Canada since US is way different and much higher.

does anyone know anything about experiences working at “Stampli”? I have an interview for an Account Executive position there!

How do PPMDs make sure when you are replacing an incumbent, you don't get handed down a broken system ? What sort of knowledge transfer and contractual framework do you get the client to agree to and how do you negotiate on that? I feel clients are not always honest and hide a lot of landmines which a consulting company can walk into and blamed for it.

What is the deal with people listening to videos and music on their phones, WITHOUT HEADPHONES, in public spaces?? I’ve seen a huge uptick in this on trains, the tube, in coffee shops, etc. Is this really how self-centered we’ve become? Did people forget that they need to behave differently when around others vs in lockdown at home? Wtf

Has anyone ever worked remotely outside of the country for an extended period of time? I have family outside of the country that I would really like to spend some time with without sacrificing my job. Any advice?

Looking for entry level ux/or internship. Want to convert and having no luck. Yes I updated my portfolio and am certified. I’ll take what I can get.

What sort of opportunities are available in Canadian government for commercial insurance professionals?

What are some of your favorite social listening and analytics tools you’ve used as a CM? My team is looking into new tools and would love to get some recommendations

I'm curious if anyone has insight about how different veterinary practice laws are from state to state (or province to province)?

In OAH the NCP has submitted no actual earnings only hand written sched c (Uber). NCP lied under oath about how pmt for the car was made. Said a friend paid for it and he is paying a friend back. I have bank evidence that shows every car pmt came from NCP Bank and only deposits were from Uber. Problem is the car was paid off in 2018 and the CSO was from 2018. CP asked 4 mod and it was brought up to ? his credibility. How do I get it in since its not about $ now? Judge granted 1wk 4 adtl exhibits

Hi everyone, I would be working in Arcesium as a contract employee (placed through a 3rd party vendor). Could you tell me how it would be for contract employees in terms of benifits, work life balance and any perks, etc. Thank you. Arcesium Tata Consultancy Infosys Cognizant Wipro

Dear legal recruiters who used to work as attorneys: are you glad you made the switch? I think recruiting could be fun but I know how much I ignore recruiter emails daily so it makes me think it’s touch to place people and make a consistent income. Thoughts?

Anyone going to hajj this year or has been? Tips to prep mentally, physically, spiritually?

A friend literally asked me if I could help her with her divorce. I was like, I'm a tax lawyer who bills 2700 hours, so, no, not even emotionally

Hi fishes ,

Has anybody heard about this company Hdfc bank digital factory who are giving offer letter of Hdfc bank and working on doing digital transformation ?

What is the courtesy of withdrawing an offer you already accepted?

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)

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

When renting out a property, can you specify which pets you'll allow vs not? Like no cats but small dogs are okay?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

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.

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?

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

Any reason why the listing agent recommend I use a specific title company?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

My partner and I close on our house this Friday at 9am and I’m just so happy. I’m a public interest attorney and we worked really hard to save. This was after 10 offers. Just wanted to share 🥹

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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!