What are the biggest and/or lesser known items to negotiate with the lender and agent to bring down overall mortgage costs? (closing costs, maintenance fees, property tax, title insurance, etc what all is negotiable?)

Looking to buy first condo in NYC

Planning on a 7y/6m ARM but welcome any advice. Very much new to all this

My portfolio has been stagnant for a week now. Last few times this has happened, market has tanked. Anyone else feeling we’re at an event horizon soon?

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

Chicago announced a $10m grant for looted businesses. Really confused because I thought insurance just gives everyone that’s looted money.

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?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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

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

Hi All,

I live with my mom (Property owner) in delhi and pay 16.5k pm as house rent for HRA deduction.

Now, she need some lumsum amount of 5 lakhs and I would like to pay this but also show this as house rent while filing ITR.

2 MAIN QUESTIONS -

1. Can I pay 5 lakh and show as house rent in HRA while filing ITR?
2. Total yearly rent is 16.5 × 12 = 198k. Can I show remaining amount i.e. 302k as Rent for next year?

Thanks in advance.

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

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

We can help you in tax planning and getting tax refund upto 2.5 lacs.Let us know if seeking help/clearification.

Needs some ideas for scenario planning optimizations! Currently have a model to predict conversions given media spend, I can adjust spend up and down to create different budget scenarios and send to model to get respective conversions. Thoughts?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Are we on recession? My portfolio is super down - low cost ETF investor here

Best options to get loans for a studio start up?

I’m clueless about 401ks. If I go to a new job does all that money I put into my 401k transfer with me? I’ve heard both yes and no so I am confused

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

If anyone works at a charter without a union, are teachers generally invited into the decision making process at your charter school? Does your school have leadership committees/teams with teacher representatives?

What is the typical pay range for fund of funds? Looking for salary / TC information.

What will be the pay hike this year? I joined in June month..

Hi All

If you have any openings for Network Engineering please refer me. Skills : Routing, Switching, SDWAN, Multivendor, Python.

Thank you in advance.

Anyone know of landlord tenant attorneys in NY? TIA!

Does anyone know how to unsubscribe from these NY Bar emails? I’ve clicked unsubscribe some 20 times by now

Hi,

Can anyone refer me in Epam Anywhere in ETL testing profile.
Currently Serving notice period
YOE- 8 years

Thanks.

I pray everyone is settled in this trying time. I hope we maintain faith in God WHILE using His Wisdom at the same time. Remember we should not walk in fear/ paranoia. Take the proper precautions

Sap S/4 Hana , DLM in sap is having scope?

Please pour ur suggestions

I had applied in Infosys but the application was rejected after scheduling interview. They said they will but they did not. My ex colleague tried but refer me later but it says another application already exists.
When can I apply again??

Hi Fishes,

I've got offer from Dunnhumby, Fractal and Gartner for the role of Data engineer. Which one should I go for?

Tech Stack - Python, PySpark, Azure Data Factory and Synapse analytics.
YOE - 2.2
Gartner - 16LPA
Dunnhumby - 15 fixed + 1.5 Joining bonus+ 10% variable
Fractal - 13.5 LPA

I’m pretty passive when I’m disrespected by creative but I think it sets a bad example for my team. If any of my reports were spoken to the way I was I’d raise hell...how set example?

Hello, can someone provide the compensation range for Security Engineer position at Amazon?

What is the back of an envelope kind of estimation of a drug’s market share considering there’s one in market already?

Hola guys,

Can we support each other and refer, guide and mentor community folks out here?

Do let me know your thoughts.

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?

Is it common for HOA to ask you to prove your car registration is up to date?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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

Any Property Management recs in Seattle area? :(

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

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)

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

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

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??

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

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?

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

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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 those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

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?

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?