Online they say to keep housing costs at 28% of total income. I’m not sure that’s so easy right now with interest rates where they’re at.

Is it a bad idea to do a $1.325M house, with a roughly $7700 per month payment (property + tax), if our combined income is around $370? Our monthly take home after taxes is around $15K per month. We also have a newborn so daycare at roughly $1500, car payment of $650, plus all other expenses, bills, etc.

House is new so wouldn’t require much work at least.

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

If I invest 50k in NPS, I would save 7k this year as per my tax calculation. Is this a good deal? In general, I don't like such long term investment, maybe I'd start that when I'm 35 but not today.

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

So i forgot to move my 401k over from my old job a few years ago. Never done it since because I didn’t want to incur penalties. Moving job again, can I do it now?

Anyone have a recommendation for financial/tax advice? Hurting in the 60% tax zone right now (100-125k) and need some help to work through options eg more salary sacrifice, pension etc… thanks!

For USI Onsite folks,

Has anyone received the tax filings from Deloitte yet? I had submitted everything in January but haven't received anything after that

Who is disgusted by corporate America yet works for a consulting firm? I feel surrounded by Trump supporters at work... folks looking out for their own tax situation above all else. Howdowe win over otherwise intelligent people to vote against Trump?

Do big4s have any history of offering early retirement packages?

So if I were to rent a car from Trips, can my wife (not in Deloitte) drive that car as well? Is she also covered in the insurance? Does anyone know?

What’s the best real estate shop in Dallas? Not including Winstead or Jackson Walker.

Stock market, Crypto Predictions.. for next 2 months ??

Anyone have any learning resources they recommend about CDFI’s and impact investing more broadly?

As much as I talk about wanting a man to take care of me financially, I have way too much pride to allow it when it actually happens

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!

I pay $500+/month for health care premium and after going to urgent care for an injury I still ended up with a bill that was over $500. Curious to know if any freelancers are not on a healthcare plan and how that affects your taxes for the year.

Good idea to buy some more AAPL right now?

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Hi
Any openings in Office 365 along with Azure AD.
I have totally of 4.2 yoe.

Never thought that there would be so many haters in the workplace - what happened to being happy with your own success AND the success of others on your team.

What music videos do you keep going back to?

Has anyone used a coaching service for their firm? If so, any recommendations?

Can anyone recommend a good legal recruiter in the Denver, Colorado area? I’m a 7th year attorney and I’m ready to jettison the recruiter I’ve been working with after not getting a single interview in eight months of searching. Thanks!

How can entry-level candidates stand out during the interview process?

I teach primarily 9th and 10th grade Grammar and Composition. I’m looking for engaging PBL for the grammar side of things.

Has Bain started taking from tier 2 colleges as well? I could see lots of posts for hiring by consultants with no post saying criteria of college! I wonder what is up with that! As far as I know they dont take from any college apart from Top 5-6.

Hello fishes.

I was interested in finance profiles at bain and co. Wanted referrals to be able to explore opportunities.

Hello everyone,
I want to know at a time of countdown begins does Accenture fill out the declaration form for working in rotational shifts to everyone or it only depends on position?

I've been gardening more to relieve stress and have some time to my self. Full endorsement!

How is it like worki g at EY GDS Bangalore? How is the training period? How os the onboarding? I am joining in two weeks

Hello travel buddies! I have recently started travel hacking and currently have the Chase Sapphire Preferred, Capital One Venture, Marriott Bonvoy Boundless, and Citi Premier Cards. Please comment if you would like a referral link for any of these!

Any insight into the vibe at Fishawack health agencies near Philadelphia?

Dec lo inko market correction untunda? Unte recent ga promote ayna vallakena leka andarika?

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

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

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!

Atlanta vs Savannah vs Tampa?

Does buyer have to share appraisal with seller? Can seller request it?

Is it the worst time to buy real estate because of the interest rates?

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 have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

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

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

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?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

How accurate is AirDna rentalizer revenue and occupancy (assuming you are best or at par with top area listings) - specifically in big city suburb if that makes a difference. Looking for any and all opinions of airdna rentalizer