Purchased my first home, 5% down at this time, with one roommate occupying the downstairs living area (home is broken up into two separate living areas). My current roommate is covering half the rent - would you suck it up and get a 2nd roommate to have them cover the remainder of the mortgage? Every extra dollar I have is going right back into home renovations

What percentage of your income do you save, invest and spend?

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

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?

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

Amex Platinum or Chase Sapphire?

The account dropped the register down the flight of stairs and it shattered into a million pieces. Fear not the account says, for it was already depreciated to $0.

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

Can partners at EY consulting buy as much equity as they desire?

Heading to Buenos Aires and Montevideo tomorrow. Will be in each city for 1 week. Are credit cards widely accepted or do I need to exchange cash before I go. Thanks!

2019 Hot Take #1: Mutual fund outflows will continue and accelerate if the market pulls back.

Investment gurus - Appreciate pointers for resources (books, blogs, videos etc.) to read up on investment strategies. Just getting started and could use all the help. 🙏

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

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?

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Anyone get anxiety thinking about how you’re already funding your parents lives because they gave up everything and worked to the bone for you? I get the concept of giving back and wanting to take care of my parents but damn didn’t realize my life would be so financially tied to them even at 23. It’s like we moved to the US just so I can give them my paycheck.

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

We should do a Charlotte Consultants Bowl Meet up.

What does an exit from Salesforce consulting look like? I’m in a technical role leading a small team so my understanding is a technical/solution architect or a development team lead at either Salesforce or an end user like Amazon/Amex.

I have bounced around a couple consulting companies so would prefer not to do it again. Total 4 YOE.

I don’t think I have enough YOE to go for a program architect role at SF otherwise I’d be interested.

Prospecting Ae’s (or bdrs) are you getting a lower open rate/filtered by spam filters due to attaching a link, screenshot or pdf? If yes, I’m curious if it’s the same drop off rate for all or if it’s different

Hi Fishes,
I have 1.8 yrs Exp and working in the Big data domain and have a few offers please help to decide on the comparatively better option based on salary, Work-life Balance, security, and Carrer Growth.

EY GDS: CTC 12 ( 11.20 Fixed )
Publicis Sapient: 16 CTC ( 14.5 LPA FIXED )
Neudesic (IBM) 16 CTC ( 14.5 FIXED + WFH Remote Complete )
PubMatic: 22.70 CTC + 2 lakhs Joining Bonus ( 16 fixed LPA + Other benifits, stocks, etc )

It will be very helpful if you can suggest with some reason.

Hello Everyone,

I've 2 years experience in Mainframe COBOL in Capgemini and I would like to apply for the same in outside as well.. can someone please refer me?

What the highest comp you’ve seen people go for deals group at Manager level in HCOL city? Like what would a M5/M6 receive base wise, if that high even exists.

Bonus for EY S&O?

How fair is it for the firms to pay different salaries for the same work in different countries? or lower salaries to employees from the developing nations even though they might be working directly with the client or leading projects?
Cost of living is definitely one factor but how would you counter when a Consultant from Mexico and a Consultant from US want to go on a vacation to UK?

Customers are giving us bad experience ratings because we don’t offer them the solutions they want. Our company won’t allow us to offer those solutions, but the manager punishes us for low ratings anyway. I don’t get how they’re ok with that.

Was notified that I’m an alternate for Bain AC first rounds. Anyone from Bain have an idea of how often alternates end up getting the first round? Anything I can do at this point?

Does your school allow you to send out a supply list? I have to buy all the student supplies for my SPED classroom.

Anyone up for a date this weekend in Pune. M29 here.

Kya pata maa ko bahu mil jae.. 🙊🙈

McKinsey Digital - anyone here in a a Consultant role who is willing to share their salary package? Currently interviewing and want to get the best possible package. Glassdoor only has info for other roles so please bear with me!

Hi Fishes,
It's over a month I had applied for a job post at career portal of accenture and still it is showing your application is under evaluation. My job CID no is C7183481. And now I am unable apply for other job openings too. Can anyone help me to apply for job post also and to know about the status of this applied position.

Thinking of moving out of Google, which companies do Xooglers move to in Dublin?
(L5 GBO Dublin)

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?

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?

Do you thank your tenants for paying the rent? A quick thank you text?

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

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?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

What's the best city in UK to buy a buy to let property, with best returns?

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

How can I invest in real estate ? Looking for an additional passive income source

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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.

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.

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

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'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?