What are ramifications for purchasing a home (single) with my parents? Can I do so with only myself on the mortgage? In later years can I pass my mortgage to them? Who can take the tax deductions? Thank you

Joining D soon as manager. Can we use Interactivebroker for stock trading?

New Chase Preferred card received. Any tips on how to meet the minimum spend?

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

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

So my spouse and I invest separately via different trading accounts. Individual accounts, not joint. Can I work around the wash sale rule with 2 accounts? Sell stock A from one account @ $20 and buy stock A from@second account @ $15? Planning to dump stocks in December last week to get some tax gains and buying on the second account in first week of January.

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Will have $100k by the end of this year and want to start investing in stocks. I am willing to take medium to high risk. What stocks/etfs to buy?

Senior manager and associate partner at MBBKOW how comfortable are you in dubai? Can you afford a nice house, car and generally (within reason) not worry about money?

Assume wife works as manager in big 4 consulting

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Left Accenture 10 years ago... can someone remind me what the ESPP offering period(s) were and when stock was purchased? Was it 1 or 2 offering periods per year? And what were the months of each?

Why do people accrue prepaid expenses?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Really regret not selling United Wholesale Mortgages. Very confused on what to do with this one. Unless it gets PT it’s gonna be stuck around the 10 range. Think I may be eat the loss on first say a dividend is available

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Really regret not selling United Wholesale Mortgages. Very confused on what to do with this one. Unless it gets PT it’s gonna be stuck around the 10 range. Think I may be eat the loss on first say a dividend is available

Hi All,
Does anyone knows about Northern Trust project with IBM?
Thanks

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Kicking myself for not moving more of my retirement out of growth stocks and into inflation protected assets earlier this year. It should have been so obvious this was going to happen after all the events of 2020 and 2021.

I know I will get hated by saying this. Do you think gay pride events are portraying a bad image about our community to public? (Drugs, sexual, inappropriate clothes, and sometimes like strip clubs- some parts). I know it is right to present us but I just feel it is not the right way to show who we are. I wish the pride where everybody can connect in a more friendly way (outdoor game- team work, dance, drink something not too sexual.) there are some good parts of pride tho. Any opinions?

Any non-cishet male folks want to chat? Missing community right now!

Verizon or new T-Mobile+sprint

Hello Fishes!

How is Blackstone CoE to work for? Any perks?
All your replies are anticipated. I see no one has discussed Blackstone.
Please help me know a little.

What’s the best ergonomic mouse y’all recommend? Can you please provide a link? TIA

Hi Everyone Looking for Job change .
Need your referance.

canada vs. US salaries at Amazon? I’m interviewing for a role at amazon. Any insights on if the salaries advertised for US roles are comparable for Canadian roles? I don’t want to give my range - in fear that I’ll undersell myself. Any insights? (It’s for a senior proposal manager role -10+ years experience)

Salaries have really been spiking. I am curious what the salary for a Principal/ Junior Partners would be in a mid-sized accounting firm now. In January I was approached for $200K for a senior manager role. Now a head hunter has approached me with $225K.

Does 130k in total compensation with a flat annual bonus of 5k, sound like a fair offer for 12 YOE in software implementation and now Technical Account Management, in Ontario?

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

What's the best city in UK to buy a buy to let property, with best returns?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

One way to invest in rental properties is paying the downpayment and any renovation costs using saved up cash. I know folks also use HELOCs. So you'll end up with 2 loans. When do you pay off the HELOC? Personally I dont think taking out a HELOC is a great idea. What other strategy do you use to invest in rentals?

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?

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?

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

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

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.

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

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

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

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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?