What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

At what age did you buy your first house?

What is your favorite part about being a realtor?

Guys Urgent query.I joined CTS on Nov 2.When is medi Assist activated? Having a medical emergency for my father to do bye pass surgery.Should I wait for the medi Assist or proceed to do with my own money? Estimated Cost -3 Lakhs+. Operation to be done in the next 1 week

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Hi Sharks,
Till last July I was earning 12 LPA, now I switch to a product based with 30 LPA. Where 27 is the base. Monthly I pay 45k tax.
Things that i am doing already is LIC = 40 k , SSA= 50 k (for my kid) and tution fees = 25 K .So altogether withPF other superannuation fund I can show 1.5 Lakhs in 80 C.

Apart from this planning to buy flats or small villa in chennai. I can pay invest more as my most money goes as a saving or buy gold as risk free. Please advice wat else can i do? Kindly

Will Amex restricting guess access for Centurion Lounge actually make any difference?

I can see short term changes but the way Amex has been aggressively marketing Platinum card, we just will have overcrowding of primary card holders 🤷🏻‍♂️

What's next, everyone has to spend min. 50k a year to get Centurion lounge access or pay per visit.

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Guide to mining ETH

I will be a US citizen in a few months. Does this mean I will need to give up my Aadhar card along with Indian citizenship? What happens if you have property in your name? Needs to be transferred?

My husband and I have saved up about $80K and it’s just sitting in our bank account. We thought we were going to buy a townhome but with the crazy inflated prices we decided not to since we like where we live currently (location could not be better and rent is crazy cheap at only $700 a month). How should we invest our money in the meantime while we save up for a house?

Is now a good time to buy real estate? I found a nice two bedroom in miami shores for a good price.

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Have Nvax ran it's course. Up 50% and thinking to book profits and move on. I believe all vaccine stocks are now fully priced in without much upword potential. Any thoughts.

Worth redeeming SPG/Mar points for stays before the two-tiered redemption changes post August 18? Seems to me like an excuse to devalue points and place redemption in a higher tier?

Can I simply upgrade from Amex Blue Cash Preferred to Amex gold? Or would both just be open at the same time since one is technically a charge card?

Just had my discovery flight and I’ve been wanting to go for my PPL for a while, just not sure I can justify the 15k or so investment in my current financial situation. Would it be really bad to spread my lesson over a period of a few years?

Who is closing the week between Christmas and New Year in 2020?

Thoughts on Centron?

Anyone used bloom app for self CBT therapy? Is it good?

Looking for non- fiction book recommendations. I just read Shoe Dog and loved it.

How long do you spend on monthly reporting for your clients?
My 3-person team spends about 15+ hours a month each writing monthly reports for our clients (99 small retainer clients). We’ve received feedback that they’re too complicated and the clients just want to know - are we on the right track, what action items are there, and what any next steps are in their strategy.
How do you simplify without losing value?

I feel disappointed in myself that I'm not working out. But I fill up my day with activities/things to do that I see no window to workout. And when there is a window, I procrastinate.
I'm stuck in this pattern and not making any progress.
For the first time in weeks, I went on a bike ride today. Does that also count?
Any tips on how to keep the momentum going or stay true to your goals?

Need 11likes for activating DM

Does Strategy& have the Deloitte equivalent of alt-travel? Like after traveling to the client site, can you opt to travel to a location different than your home as long as it’s cheaper or same price as your ticket home?

Hi Guys,

I joined L&T InfoTech in Dec 2021 from last 45 days onwards waiting for project but unfortunately project is not allocated Can I leave the company because I have offer in Wipro

Can I leave a job within 1 month of joining with Same offer is it good idea and is it impact BGV process in Wipro ?

Please suggest me it is really help to me
YOE: 9+Years 

Mid-level when she's leading the call: please make sure you take notes. It's expected of the person not leading a call (note I always take notes)

Me(jr): asked to lead a call for a different deal as training. Mid-level doesn't take notes (also on call) and tells me it's the job if the junior to take notes.

White collar folks - how busy are you guys now?

Anybody up to practice case interviews today or tomorrow? Preparing for a few first rounds and feeling very nervous!

Hi ZSers,
Anyone looking for a male flatmate or looking for a flat? I have to move in before 18th of July. Any leads would be appreciated.
Thanks in advance!

What will be the average hike % Promotion with HC rating staff (66) to senior(65)?

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?

Looking to purchase an investment property (condo) in Denver. Anyone has recommendations on the areas that would be good from an investment point of view (cash flow positive)? I love Capitol Hill but I’m not sure what the rents are like there.

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

How do I get rid of my old dryer?

I’ve got a partnership w/ two of my uncles. We have two houses on rent. we use the profit from the homes as a single pot where we pay for the maintenance expenses (different cash flow from each). We are close family and they trust my judgement. Another of my uncles wants to join for the next home we buy. How do we split/ allow their buy in to our partnership for the next home? I don’t wanna add extra accounting of maintaining expense/cash flow from the next one we buy as a larger group Thoughts?

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?

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Any tips/tricks for putting in a winning offer? We’re doing 10% down, primary residence. SoCal market and it’s hot, so trying to figure out how to best compete. Thank you!

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.

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.

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

How hard is it to get a business loan to buy property? Trying to buy a building through a business and not sure how much I can reasonably get. Business is not some shell or anything. Own a business that is a current tenant in the building.

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?

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

Anyone here recently get or see any amazing jumbo mortgage rates? It’s painful to search each bank individually. Would love something under 5.5% (only looking for 30 year fixed)

I’m planning on getting my real estate license this spring! My biggest hesitation is that I currently live downtown Chicago and do not own a car. I really do not want to buy or lease a car as the area I live in requires a garage spot to park. Is it realistic to believe that I can be a real estate agent in Chicago if I rely on Uber/CTA?!

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

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

PMI question: My home has appreciated by 20-30% in the last year (hot area), I've added about 5% to the home's value, and my LTV is 89%. I asked to remove PMI and my company said I was not eligible to even get an appraisal until the 2 year mark. Has anyone found a way to remove PMI early in similar circumstances?