Recently bought our first home at 7.3 fixed for 30 years. I am thinking to change it to 7 or 5 arm early next year (I didn't opt this option at first as lander was charging more vs almost $0 closing for fixed rate). Does it make sense to refinance to 7,5 or 3 arm (seems like rate won't go down for another 1-2 year)?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

As we are not frequenting to office and clientsites, anyone plan to return their leased car to save money?

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Any group still busy heading into the new year? Been dead for months and still dead. Real estate — V30

Do we have option to include stock in salary structure in FIS to save income tax?

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

Thoughts on credit funds? Immediate start offer is tempting.

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

Do any of you ever think about paying off your student loan in one go ?
Given that student loans in the UK is structured differently than the US (the higher you earn, the more you pay - gets written off after 30 years); at what salary range would you even consider paying it all off?

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

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

Is now a good time to buy a house?

Selling Official GMAT 2020 and Manahattan Prep + Notebook

Original value of 350, accepting best offer for pickup in Midtown (starting offer 250)

US peeps, what are you doing for thanksgiving?

Asked three managers to write recommendation letters for grad school. One partner replied one week later saying he can write me a letter. What should I do? Should I kick one of the manager out?

Completely and totally miserable at my firm and just need a space to vent because my friends are tired of hearing about it. I wish the worst part about it was the amount of work, rather than the completely toxic culture, lack of appreciation, arbitrary and back/breaking deadlines, lack of mentorship/feedback/training, and the fact that the associates act like they don’t even know each other. I cry every day and constantly am made to feel stupid for not understanding the highly technical (cont.)

Who is hiring?

Are Kuroni Tokyo Chronograph watches any good / worth the price? Any owners here?

Is 628 actually the area code for SF? Or people don’t know it and won’t answer a phone number that starts with this area code?

How much time take to release Tech mahindra offer letter

Should i join s&p now, I heard some bad news of its merger..

Looking for a few highly-motivated partners to start an ad agency with; preferably one in accounts and one in media buying. If that sounds like you and you’re ready to take control of your future, we should talk.

Can you ask your legal team to follow up with DOL regarding your PERM (9089) status, if dol website is showing that they are processing March 2021 and your case was filed on Feb 2021 ?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Happy new year

Whats a bougie/hip gift from a friend you would appreciate?

WTF is going on with XRP

I need a hard hat for these falling prices. Stay safe⛑📉

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?

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

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

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)

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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.

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Looking for an NJ store selling hardwood flooring that has a decent selection and not too lengthy delivery times.
Everyone seems to have a 4 week wait for hardwood. Any help is appreciated.

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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

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

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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.

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

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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?

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)