When do you think rates on 30 year mortgages will drop to the high 5s / low 6s again?

Relocating from the west coast in late spring. We have three kids under 6. School system is important to us. Thinking relocating to the Lake Norman area or Fort Mills. Pros and Cons. Looking to purchase a house and sq at least 3250-3500 min. Any advise for the area.

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

What’s a good credit card to get with great intro offer and points valuation? Already have Chase Sapphire. Have an upcoming large expense < 4k. no points guy page link pleass

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

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

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

What credit card do you use?

I recently was let go (in lieu of accepting my two weeks) and I should have received my March expense check by the end of April per the employment agreement (submitted the report April 1, let go before mid April). I have emailed HR but haven't heard anything. I've got a feeling someone at the top is putting a hold on it.

How do I get my money from them? It's a few hundred dollars

Sorry if this isn't the right bowl for this question - I've checked a few.

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

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

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?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

I selected new tax regime in the company 'xyz' portal for April 2021-March 2022. I left this company in jan 2022 and tax of 16k got deducted from F&F settlement.

I have investment in EPF and submitted the rent receipts to the company for tax exception for HRA. But in F&F, based on new regime tax deducted.

During filing ITR for assessment year 2022-2023, can I file by selecting old regime and get this 16k return?

Hi Friends,

Could some recommend some good pgs around fidelity investments (manyata tech park). I will be starting the office from Dec.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

I’ve seen BareFaced mentioned a few times in this bowl. Previously I’d never heard of it. How does it compare to a SkinCeuticals or a Obagi - especially for products like VitC and serums?

When you have rare moments of downtime what are your go-to websites to waste time on?

*URGENT* Any freelance mid-senior art director available starting next week to work on an integrated campaign for one of the coolest agencies in Europe? Drop me a message. Thanks!

Hi,
Folks what rank does team leader comes in BOA. I have 2 years of experience and have been ask to interview for Team lead position. Does the team lead just a title, heard growth is slow ?

Any one understood what Steve said about compensation and bonus revision yesterday ?

Is anyone in the Boston area hiring? (non-public, but I have 3 years of public experience in Internal Audit).

Love Spanish/Balearic wine, my go to is currently Sa Vall Selecció Privada from a Vineyard in Mallorca.

What other Spanish wines do you recommend?

What’s the best city/country you been to for wine tastings? I want to explore more

Hi Fishes,
I have to transfer my PF amount to the accenture PF account. My previous organisation was PF exempted organisation. Once I submit the online transfer should I send the hardcopy to Accenture as well

If anyone needs private tutor let me know. I tutor all levels. Dm me.

What does a new band 4 bonus range look like at Bank of America?

What is the minimum band for fixed pa salary for Senior 2 and 3 in GDS ?

I’ve practiced litigation in DC for about 5+ years at a larger plaintiffs’ firm, and am considering a switch to a defense firm. Is there any insight to how many billable hours this would require, and how much time that would actually be? For reference, the firm has a 1900 billable hour requirement and the partner said I would have “no problem” fulfilling that based on the work they have.

IFS rocks!! Missing my PwC peeps! 😢 😊 Wish you all a happy 2020!

How did you find out what you want in life? Feeling lost mid-career..

Did anyone read the top consulting firms to work for? 😂😂😂

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.

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.

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!!

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.

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

What, if any, were your main complaints?

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

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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

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.

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?

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?

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.

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! :)

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.

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?

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?

Any Property Management recs in Seattle area? :(

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.

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