Rental income covers 98% of PITI. I have to pay the little bit left over + HOA. How bad is this?

Good morning! What auto insurance do you recommend at Bay Area? Just moved here and my State Farm premium almost doubled. Thanks!

Does anyone know of any retirement plan routes that'll allow you to invest directly into BTC? Or would you have to invest indirectly?

Folks who trade more than a couple of times a day, do you have to have your crypto in the exchange during the non-trading times ? I am debating if it’s safe to keep in the exchange or is there a better way perhaps moving from cold storage to exchange every time ? I know the transaction fee is a killer . Thoughts ?

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

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

I need your advice and assistance to choose between 2 options. I have two job offers one from India and another from Amsterdam. I am confused about choosing among them.
1. In India my gross would be 69 LPA along with my spouse out of which we save up to 20 LPA per year.
2. In Amsterdam, my gross is 86K including holidays allowances and stock options. My spouse is searching for a job. she might get 65K in the coming day.
Considering the 5yr horizon. Need your help to decide on the options.

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Hi Fishers,

DM me if anybody want to file ITR for last year, I will help you get good refund amount for whatever tax paid or deducted from salary during the financial year.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Is there any advantage or disadvantage to maxing out 401k in a single contribution instead of a taking some out of every paycheck

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

This group is dead - Partners definitely are boring

What are your goals for retirement in healthcare?

I do a mix of corporate governance and securities law. Is it wrong to pass on tax questions? I truly don’t understand tax law and feel incompetent to answer tax questions with any accuracy.

What can be the expected salary of machine learning engineer( fresher with only 1 year exp as python developer).

Hi everyone,
Looking for a M&A HR checklist that includes due diligence through integration. I have one but would like to see what else is out there and compare. Happy to share my email directly.

Intl Tax folks, how long did it take before you were confident in your role? I've worked for the past 3 years in a practice that is heavily consulting based (inbound and outbound structuring) and I feel like I'm only just starting to understand the foundational concepts (where I can explain them clearly to clients) and offering a shred of value. Then I'll have calls where partners discuss complex tax, legal, treasury and other related concepts that all go over my head.. it becomes overwhelming

I know I'm in the minority here (and I swear this isn't a brag) but is anyone else less stressed this busy season working from home, and finding issues focusing because of it? My work is getting done, but just very very slowly. I'm able to sleep throughout the night and not wake up early (which is a huge negative right now) and literally feel no need to stay glued to my computer as in prior years. Am I broken?

At any level above Senior, how do u manage the relationship between utilization and realization, which is an inverse relationship. Seems to be either blow the budget (and write it off), or eat a lot of time.

Hi, I am travelling to Poland on work visa in January 2023. Also I am getting married in December 2022. I am thinking of getting my spouse name added in my passport. Will my work visa will still remain valid in my old passport? Or there will be issues at immigration?

Pandemic induced pressure & burnout. Is every agency bad at present? Desperate to move on before it kills me but worried it’s not diff anywhere else. Hearing people are off sick in lots of agencies.
Or does anyone have positive experiences to share?

Hello. Quick question about formatting. I have an excel sheet with bunch of negative numbers, but some are percentage values and some are dollar values. Is there a way to make all of them have a parenthesis for being negative while keeping them still percentage and dollar value separately or do I have to target them separately?

Consulting question: would an enterprise improvement consultant position at AlixPartners fall under the purview of management consulting? As an econ grad student with a 3.8 GPA and 3.5 years of work experience at a financial research firm, what do you think are my chances to get an offer?

What’s the best career for a students who wants to work before going into strategy consulting? Let’s assume that working in external advisory and consulting is off the table.

How long do posts stay up for? I’m rewriting my CV to apply to a job which has been posted for around 19days. I reached out to a recruiter on LinkedIn (via a recommendation) but haven’t heard back. It’s a job in a European office of a major sportswear company for reference.

Hello People,

I need some help. I have 3 YOE.
Package I told I am expecting is 8.5lpa
Recently I have been looking for a job switch. I have recieved an offer from a startup company whose client is hpe. HR round was taken by a HPE manager too. They told they have 25-30 employees in hpe. They have other clients like Deloitte, PWC .
He told after 6-8 months of performance I can be in direct payroll with HPE.
So is it a good idea to join ?
Or shall I look for other jobs ? Please help ..

Hi All.
I am looking for Salesforce Functional BA roles in Accenture. I am currently working with Persistent Systems. Please let me know if there are any relevant openings.

Guys off topic
D laptop pickup ke liye formals me jana padega kya

Completed onsite interviews for the TAM role and recruiter gave me feedback that my technical depth wasn’t up to par for the role but my googleness/leadership and GCA interview feedback was stellar so they plan to propose me for Cloud PM roles instead. Does this happen? Or are they just being nice? What’s the probability that they’ll match me to another role?

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!!

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

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.

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

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!!

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

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

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

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?

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

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?

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.

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

Has anyone here used New Western to buy real estate deals?

Any Property Management recs in Seattle area? :(

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)

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

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Can I purchase a property under mine and my parents name (on the deed) but only my name on the mortgage? Do I tell the seller this at the time of paying earnest money? How does this work?