Wife and I are planning on buying our first condo. We're looking into UWS in Manhattan and parts of Brooklyn (Boreum Hill, Cobble Hill, etc.). Our total HHI is around $800K. No kids. No loans, not even car loans. We are both first time buyers and have great credit 820+.

Any guidance or suggestions on how much to invest in the condo if we're to still save some money each year for investments, savings, 2-3x international travel (have family living abroad), etc.?

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Columbia MBA Students - what are your living expenses (not including rent and utilities) like every month? Just trying to get a sense

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Should I do the IPG employee stock plan? Anyone else do this? Don’t even know if it’s a good stock or not

My son will be turning 1 soon and I would like to present a gift and thinking of investing on a watch so that it will hold its value 25 years down the lane, any suggestions would be very much appreciated. Budget is around $7k.

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?

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

Base is at 180k, after tax, insurance , 401k and ESPP (max out), my bi-weekly pay is only like 3600 (like 8000 monthly). Can people really save this kind of money, or most people rely on their stock appreciation?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

What is your top stock trading platform? I use Ally invest and Robinhood. Not happy with both. Looking for a platform with low fees, fractional shares and solid analytics. Thanks in advance

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Senior dev working alone in an office, everybody is remote. Thinking of moving to PHX to be fully remote myself, currently in LA. Lower COL. Change to buy house. I like heat. Thoughts? Why? Why not?

What am I supposed to do with a firms mandatory pension notice? $6B... okay, seems good 🤷🏻‍♀️

Or am I supposed to actually pay attention to something specific in the notice?

Guys ..
When will final settlement take place? What will be the components of it?

I feel like I'm going to get screweeeddd over with this upcoming housing market crash. I know we paid hundreds of thousands more than the house is worth 😭

Thinking of getting a GS sbga413 spring series - thoughts on it for a guy? I love the pink but is it more of a womens watch?

Currently i am in Chennai, I need to relocate to Bangalore and my joining date is Sep end. So can i relocate by Aug mid and can i claim my relocation charges (movers and packers) once i join the company?

Hi Fishes, need some info
1. What is the payband for C10 in MRM team?
2. What is the current hybrid model looking like?
3. What is the expected bonus % payout for C10?

TCS vs Infosys for job security?

Anyone worked for BPI group in Chicago? What’s their bread and butter?

Learning cloud architecture right now so apologies if these are obvious questions: Best ways to store video metadata to perform analysis on it? I'm looking at AWS and GCP. Saw that Cassandra would be good for it, but not sure what the GCP equivalent is? But also I'm a bit confused on if Cassandra is just a DB and storage would need to be elsewhere? All help is welcome! I've been spinning my wheels on Google trying to understand

Has anyone used or is currently using My Perspectives ELA curriculum from Savvas Learning Company? Our district is considering switching from iReady and I am looking for honest feedback. Thanks!

How suspicious is it that the client that just gave the pitch of VW in the US to Johannes Leonardo used to be one of the executives from Johannes Leonardo?

Anyone have a Soho House (cities without houses) membership here in ATL?

Any layoff expected in bny ?

What’s a good/comfortable monthly salary for a creative in Shanghai in rmb? Many thanks

How many of you work directly with business clients (sales, marketing, R&D, supply chain etc. - essentially, non IT)?
Or is it the onshore business analyst who acts as a bridge between you and business?

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.

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.

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

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! :)

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.

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.

Anyone take the WI Real Estate state exam? Any tips on what to study?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

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

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

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?

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?

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!!

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 am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks