Wanting to buy a triplex in a very cheap area where margins can be pretty crazy. Don’t want to put 20% down. My dad used to get loans for his investment properties for less than 20%, but both he and all his prior lending contacts are all retired.

Eventually I’ll have my own, but any “big” lenders that will do investment props for less than 20%?

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

How much should I expect to save in taxes when moving from Manhattan to Hoboken?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

I'm a masochist. PRQ tied up a ton of my assets during the last run up in early 2021 while crabbing and dumped just as bad as other alts in May. I just heard whispers of a big cex listing and put some money back into it. 😬

Will mods hurt the resale value of a car? I'm considering selling my daily and am debating on whether or not I should put the effort in to return it to stock.

What are your plans for your tax return? Looking for some ideas that are reasonable, Thx.

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

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Got my first pay check! Trying to understand all the taxes on it….Are state taxes on my gross amount or do the federal taxes i pay get deducted first then state taxes on that amount?

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

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

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

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.

I hate that I still want to hear from him. I just have no idea what I want him to say or what I want to say. I feel like if I get anywhere near him he’ll be able to sense my pain. Are we sure the no contact rule is only 21 days? I feel like I need 21 months.

Have any GT offices other than NY matched?

Hi Everyone,

I'm working as a SAP Security consultant since last 4.8 years. I'm looking for a job switch. Can someone please provide me referral for Deloitte USI ?

I have an offer with 19.5 LPA fixed from Accenture and 21 LPA as fixed from NTT Data. Which one should I choose?

How do we get others to join Fishbowl? There are currently only 15 of us from the company and we have about 2000 employees now.

Is there anyone who has worked with AWS .Net SDK? Need some help.

Im joining Accenture Uk on 19th Aug 2021. Anybody else starting on this date? When does one usually receive the Teams invite / joining instructions for the first day orientation & induction?

Anyone working at coinbase i need referral

Considering working from India for a couple of years due to personal reasons. Any advice for Salary expectations/negotiations? Haven't worked in India for over a decade.

Senior consultant, came into Deloitte with over 14 YOE (industry), in the FSI -> IM space, expertise & experience in buy side asset management.

If you are open/willing to offer referrals, happy to talk. Any insights are greatly appreciated. Thank you.

Got a job where I’ll be commuting to downtown via Link (Columbia City). Any concerns I should be prepared for? Or tips for commuting like a pro? It’s my first in-person job in years and as a woman, feeling safe is always a priority for me. TIA!

Hi fellow HR's,

I am looking for referral in Google, Can someone help me get referred for open position in new Pune center? I have 3 YOE in IT/Banking ops recruiting, recruitment operations and HR operations.

Thanks in advance!!

Anyone knows about PSG group in Deloitte, like daily work?

Apple

Pros:
- astounding financial benefits, great healthcare

Cons:

- too many cultists
- closed culture with extremely compartmentalized information, working on a small piece of the puzzle, with reduced ability to demonstrate true value, unless already high up. 
- collaboration across teams is made unusually difficult and doesn’t seem encouraged.
- not remote friendly -- making everyone go back

My joining date is coming closer, however education background checks are still processing ( international degrees) . My onboarding coordinator told me that I can still join even if education check is still in progress, provided there wont be any flags. I don’t see any issue with my degrees and have done same with my past companies.
Anyone experienced this ? Any problem joining while check is processing ?

Any referral for a Data scientist position in the UK with visa sponsorship

Any Property Management recs in Seattle area? :(

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 have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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?

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

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

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

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.

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

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice 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.

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

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

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

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

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

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!