Noob here trying to buy a multifam property in a US territory. FHA loan has been approved but the bank is giving me a 7.25% interest with 3.5% downpayment. Cost of the property is $215K and has 4 units. I’m estimating that it can generate $2000+ in rent (units are 3-2, 3-1, 2-1, 1-1). Would you still pull the trigger even if the bank is giving you an interest rate higher than what Im seeing online in sites like dailymortgagenews? Im too deep into the loan process at this point CNTD

Who would you recommend to refinance student loans with?

Why do people accrue prepaid expenses?

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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!

Is this the official Amex Fishbowl?

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!

Anyone have a recommended tax person in Chicago?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Recommendations on how to simultaneously pay off student loans and invest?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

Other than low salaries and high housing costs, what are some of the biggest barriers teachers face when buying a home?

Not related to consulting but anyone has experience with ratehub / canwise financial as lender for the house mortgage? They seem to offer better discount on Prime rate compared to the big 5 banks.

Are we on recession? My portfolio is super down - low cost ETF investor here

Which bank account is better for salary account?

HDFC
Axis

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

Favourite money saving hacks? Signed, Broke in New York.

🔮 Looking for some buys with my new found gains in ETH 🔮

How do you stand out in a department where nobody seems to think your work is important?

Is there any active and responsive group for SAP, can someone share the link?

Deloitte people working in ITPP. What are the food options there? ZS shifted recently there and I don't see a lot of options

Anybody have any insights into working at Withers Bergman?

Hello! Would anyone be willing to give a referral for MBB or Big 4 in management consulting in Canada?

I would love to have a chat and ask a few questions. Thank you!

Hi Fishes,

I have an offer of around 39 LPA + bonus and my wife is holding an offer of 32 LPA in India. Now I have received another offer from a fintech organization in Berlin, Germany who are providing me 69k Euros as base salary + 5k Euros as RSU and also an on call support of 5k Euros annually + complete relocation assistance package. My wife currently doesn't have any offer for Germany and might need to search for a job after reaching there. Is it worth? Need your suggestions please.

How much does Accenture pays on L1B visa at level 8 ? Lets say travelling to California.

When a recruiter tells you the salary range in the first interview, is that firm? Is there typically room to negotiate above this if you're chosen?

Ever sit down to grade essays you know will be terrible so you put off grading and then you have to force yourself to read them?

Anyone from tax can help me on some tax related queries.

Q1-Can I claim LTA and LTA cash voucher both for the current Block?
Q2- In LTA cash voucher scheme i have a total expenditure of only 50K approx so how much can i get as saving for Tax?
Q3 How the above 2 can be claimed during ITR filing?

I have more Questions but if we get replies on these we can discuss further.
This can help everyone

Any medical writer/ scientific writer here?

I have an interview coming up for a Case Manager position for the in-home care company. I would have 16 patients in my caseload 9 locally & 6 out of town. The company said the case managers are the backbone to their organization. Is the workload much greater than the in home nurse? Would a Case Managers make more an hour bc of their leadership decisions & caseload they are responsible for? In Indeed the ranges for salary varied. What would you negotiate for in NW Ohio area?

Hello, we've recently started a community focused on FAANG Interview preps. Wondering what kind of content people might be interested to see in such communities.

Hey everyone. I'm joining JPMC next week and was wondering do they provide a budget to purchase your own laptop/equipment. My manager said they don't provide laptops and that I can use my own. My laptop isn't the best so I would want to buy a new one.

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

Does anyone have contact info for a sales rep for Google Campaign Manager? We have been looking to switch from another platform but haven’t been able to get in contact with sales.

Has anyone used some kind of adhd coach or just like a therapist or psychologist that you’ve found useful and could recommend? 🙏

Has anyone bought property where the EPA has remediated the site for lead contamination in the soil? If so what’s your experience?

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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!

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

Any Property Management recs in Seattle area? :(

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

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

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

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

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?

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.