Renting is all I’ve known since a kid. I want to break the pattern but have no family or examples to look to. Need some input on things to consider and a check list of what needs to be in order before applying for a home loan.

Can someone please explain the process of selling a home when you have an Islamic loan? Since it’s profit sharing i don’t fully own the home right? So if i sell it i can’t take full profits since i don’t own it outright. I’m considering Islamic financing but have so many questions about it. Can you take an equity line? Can you write off mortgage interest?

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

Hey friends. My wife and I are looking to start investing in the market outside of our 401ks, hsa etc. We opened a Charles Schwab brokerage account and planning to transfer 2-3k/mo. We’re in our late 20s/early 30 and likely won’t need to touch the money for 10+ years. What should be our investment strategy? How should we allocate to what funds? Thinking of splitting evenly across large, mid, small caps, and growth, value funds using DCA.

What do you guys think would classify as a good savings amount by the age of 30?

Those of you with 50%+ of your comp in bonus, do you factor that in when budgeting living expenses? Obviously we expect it but bonuses are never guaranteed.

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

Fellow EY Fishes - is anyone here have the investments in other countries (specially India). I got the independence email telling me I need to get rid of my mutual fund investments and I am not ready to do so. What are the options that I would have .. any guidance is appreciated. TIA

Wtf bye money

Time to buy SQQQ / TTT / TZA?

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

Please suggest some good banks for mortgage rates. First time condo buyer.

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

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

Looking for used car within $5k in New Jersey/New York. Preferably from the owner directly. Any suggestions?

Any recommendations for cpa / tax services? Have a complicated tax situation with foreign income and business income. I live in Illinois but open to online options as well.

How do I transfer my PF amount to new organisation from HCL

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Someone needs to take Fetterman off the stage. This is hard to watch

I recently joined Capgemini at 13.5 LPA along with 1 lakh as joining bonus. It was a jump from 6.5 and I have 4 YOE with 2 yrs in React JS
Two questions that's been bothering me -

Did I settle for less as I can see people taking even bigger jumps with less experience?

My joining date was 15 September, so am I eligible for upcoming appraisal as the annual review is due by October 14 and I have just joined a project?

Please share your insights as I have looked for advice everywhere else.

I’m really liking DMZ mode in Warzone. I think they have some real potential with this game mode. I like that it’s not as sweaty as Tarkov but still has some elements of it. Still in beta but I hope they realize they have a potential gem here.

Are there any agencies that are willing to pay for relocation? Looking to make a move out to WC. I know this is more likely for VP+ so I’m curious which agencies have the flattest PnL

How much % raise they usually offer for the one getting promoted from 601 —> 602?

Also, how much % raise one can ask for?

Hi, I'm working at a product based company, I joined as a fresher and it has been 3 years, I have not been able to get an Offer in last 6 months of Interviewing with companies like Amazon, Cisco, Akamai, Paypal and ServiceNow, but I have got an Offer from startup for almost an 80% hike. I have put down my papers, but suddenly I'm feeling I'm making a mistake by moving into a startup, because I see people with the same experience are joining MAANG, I should've waited and tried hard?

Rumors that an NYC-based PR company may be in the midst of organizing. They'd be the first in our industry, but still no advertising agencies yet!

Has anyone ever had any success in getting a delta base economy fare refunded? Am no longer going on a trip and wondering if I can get those points back that I used to cover the fare

How many Planner-Associate level folks feel as if they’ve had no training or understanding of job role/function in media process? Would love to hear about your experience.

B4 manager (tech consulting) with 10 years of exp. What’s a realistic compensation range for an industry exit? Targeting tech companies (ideally FAANG). Thank you!

Just got a lowball offer... sigh. Had my expectations set at $150k minimum. They’ve come in at $140k. Have a competitor about to close at $180k but like them less. Wish me luck these next few days! (Everything else is similar and $140k is only slightly better than current pay).

So a lot of positions have been stating the minimum base pay in Colorado. What adjustment is fair for a HCOL city at FAANG? (~20%)?

Does NTT middle East hire temporary employees and if so is it trust worthy to Pursue that?

I have seen my parents fight every since I was 8 and I’m 27 now and nothing has changed. I discovered at 17 that my dad is gay who had multiple relationships with other men. We were devastated but....

If i haven’t signed anything with my firm regarding repaying them for receiving my series 7 license with them I’m assuming i owe nothing if i leave? Is there a way to find out without my manager knowing I’m looking at other firms?

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?

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

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

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

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?

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

Does it make sense to refinance now? Current rate is 3.62, bought in 2019. About 480k left on loan. Need some suggestions.

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

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

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Best way to start wholesaling real estate?

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?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks