Trying to get into the real estate game

Can I save tax by buying second house if first house is already in my name?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

Thoughts on the new Chase Freedom Flex?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

Newbie here, can anyone here pls share their trading journey?

Best credit card for someone who goes out to bars and restaurants a lot and enjoys travel???

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

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

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.

Any platform which lets you trade options after hours?

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

When submitting your taxes, do you share how much you pay for HOA? Is there a form to fill out or do we get any type of reimbursement for paying HOA?

Anyone have a crypto kitty?

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

How was you memorial day weekend?

Anyone ever worked with someone attractive and NOT fantasized about them?

Business Performance Manager role what level is this targeted at?

Hi all, I am looking for a job role in sales/business development manager for Gujarat, India location. Please let me know if any...

I am an educator in Mech Engg domain looking to switch into Instructional Design field.Any job referral possible?

Any Gayglers (Gays @ Google) here?

Hi everyone, I am currently looking at social impact roles aligned with either DEI, social responsibility, or learning/leadership development. I have close to 15 years functional experience in DEI strategy, business strategy, teaching, and coaching. I have my own consulting company that focuses on DEI. I have a masters a MBA and a doctorate. I would love to be able to either connect with someone or be referred to an opportunity around a social impact space. That is where my purpose aligns.

Hello fishes,
Can a capgemini employee join his client organization.

I run a small SaaS startup. I am looking for a growth manager for my company, who can wear multiple hats. She should be able to do presales as well as helping me in the building strategies for the company. Any help, what should I look for in an ideal candidates? Any suggestions about how would I interview candidates? Thanking you in advance!

Hey folks,
I have first round scheduled tomorrow for Datastage Developer Role.
Relevant YOE - 3.3
Overall 4.5 Years
What could be the level of difficulty asked?

Hi All,

Is there a mandatory client interview for all projects in Capgemini after joining ?

Anyone is anyone going to DU this week?

My wife finally told me last night that she didn't know what I do last night ( I'm a securities lawyer) but she didn't want to sound stupid. Its been 5 years.

Hi @AIRBUS fishes, Can someone throw some light on the the different grades/designations ? I see E4 , Technology Lead mentioned in my offer letter.

Do you guys believe in karma? Racked up a lot of brownies points just waiting for them to kick in😂

By when salary will be credited to accounts? Can anyone say where can we find payslips?

Most obscure game you’ve played?

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.

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

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?

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”.

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?

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

Any Property Management recs in Seattle area? :(

Any one knows what’s the easiest way to order a radon test for new construction?

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.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

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 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

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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

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!!

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!

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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