Wife and I want to start investing in properties in the next couple years but worried about being able to have a large enough down payment to get into the game. What’s the minimum you would advise someone to put down on their first property? We’re in Texas btw. High prop taxes ~2.5%. Looking for properties around 200k. It also worries me that the money would just sit there for a couple years not benefiting me while we try to accumulate enough.

How much rent amount should I pay to get maximum tax deduction?

29yo single, TC of 200k and got my first new car for 84k which I plan to use for at least 10 years or basically till it breaks down. Other monthly expenses are 1.5-2k . Did I spend too much on the car?

What does everyone think of the current Austin housing market? Looks like prices are finally starting to come down a good bit (not that that means much in terms of monthly payments bc of interest rates). Do we think we’ll see a steady decline going into 2023? Looking to buy sometime in the near future.

Thoughts on utility stocks right now? Considering selling my utilities ETF

Anyone use JPMC for banking? How do you like it? Thinking about taking advantage of their $500 signup bonus for checking and savings.

If your parents from another country want to gift you money (>$1MM), is it better to receive it when you’re in non US citizen status or when you’re in US citizen status? Or does it not matter from a tax perspective?

Why is corporation tax (19%) less than individual income tax (20% - 45%)?

Can I ask at what age people are typically buying their homes here in LA? Wondering at what age people are able to take the plunge.

How much do you pay to get your taxes done or do you just do it yourself. My accountant charged $135 😕

For those with Roth IRAs, what broker are you using?

We just sold our condo last week and have an influx of $200k in the bank (renting now). How should we best invest it? Looking for inspiration on growth, we have no debt, all set on retirement funds etc., decent sized equity portfolio and no big expenses lined up. Here are the few options I was considering - what would u pick? 1. Dip into rental properties in a high-growth market 2. Keep DCAing into the equity market or 3. Mixture of both + angel investment plays

Any good recs for someone to file taxes?

Hi guys, can someone help me to understand the tax deduction from the below details
Joined IBM recently with 26.5L fixed
April salary -
In hand - 2,54,439 including 1,00,000 joining bonus
Pf - 9275
Prof tax - 200
I tax - 43793

May salary -
In hand - 1,50,673
Pf - 9275
Prof tax - 200
I Tax - 43843
Ins premium - 3716
I had declared 1,50,000 under 80C
Still I think tax deduction is more
Can someone help me how much tax should get deducted. I feel tax deduction is more.
It should be 33000 I feel

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

Paid off my account debt!

Can I open a vanguard IRA account if I’m with EY?

Base: 5 lakh
HRA: 2 lakh
Max how much I can exempt with HRA while filing ITR?
I live in my own house. I can pay to my parents in the name of rent.
What are the documents I need to produce?

Hello Fishes,

One query,

Does TCS perform BGC for our previous organization also before joining or sometimes after joining also?

My Home address verification was done a month ago. However no one reached me for any kind of details regarding my previous employment.
I had uploaded the previous employment documents on Ibegin portal, I was going through the posts and came to know they as for other details also like PF passbook , Bank statement etc.

Planning to buy laptop on this sale period , please suggest good laptop in budget around 70k

Looking for : backlight, good battery hours, study purpose, able to do development task sometime like run different software for local development setup , watch anime/visual stunning videos

Will be good if Easy to cary but not priority

Hi Fishes,

In my offer i see this line " We may require you to travel to other locations including in India and internationally." ,however in my earlier post I came to know that there are no travel opportunities in Telstra .Does it mean in the future I can negotiate with my manager for the travel?

I am looking for Data Engineer roles in Big Data/ AWS in Delhi/NCR and currently have an offer of 21LPA at YOE=6.5.

How much can I expect at my level considering below details:
Exp in Bigdata/AWS: 4 Years
Exp in ETL(Datastage/Talend): 6 Years
Total Exp: 6.5 Years
CCTC: 16.5 LPA

Anyone from Rio Tinto or know someone. Is it good to join at 32 LPA with 9 years of experience for DevOps profile.

I am relocating to another country in 10 days - and selling the following furniture items. I bought everything (new) over the course of last 2 years. Everything is in excellent condition and very well maintained - used by just 1 person, with no stains/scratches or dings. Please DM is anyone is interested - I can share pics/FB marketplace links. I'm in the Heights area in Houston (77009)

1. 96" reversible sectional couch with cushions.
2. Dinner table with 4 chairs
3. Lounge chair with a match

F fishes, which one do you prefer Ariat or Lucchese?

Thoughts on the Professional Certified Marketer (PCM) certification? Hoping to add some more certifications on my CV for director of strategy roles. Thank you!

Taking AUD tomorrow. Probably haven’t studied enough. Here it goes.

Hey everyone, I'm looking at a new knife as an Xmas gift to myself, looking to spend $200+ on a really great quality knife. My last one was a Global 10" chef's knife (G16) I gifted away, but now looking at a Global Sai 9 3/4" (Sai06), anyone got thoughts / opinions?

Hi Fishes,
Anyone knows how is ESO business Unit in RBEI?

Recs for 1 BDR/1 Bath apartment complexes in Center City? Looking for newish buildings with good amenities. No pets. Budget is ~$1800-$2000 a month. Thanks!

Has anyone transitioned from an accounting position to a business analyst position? Just curious what it was like. Thanks in advance!

QBs: jimmy G and Cam. Do I pick up Daniel Jones hah

What are some of the best non-medicated birthing techniques you’ve used? What materials did you use to learn them? Is it possible to learn just via reading or classes absolutely necessary?

Does anyone have any regrets about NOT going to business school?

Tcs Or bosch which is better for 9 years experience to join

Do Plumbers generally charge a fee just to come look at the problem and provide an estimate? I called a couple of plumbers and they are asking for a 50$ or 75$ fee just to be at the door and give an estimate, the fee will be adjusted if I give them the job.

What should you do if you see an error in the appraisal report (ordered by the lender)? Should you tell them about it, or just assume they have done their due diligence? It wouldn't impact the results

1.35M house with a 300K down payment .. worth buying?
TC: 350K

Also, is 10/1 ARM mortgage better than 30 yr fixed? Factors to think while deciding ?

Has anyone here invested in a real estate syndication before?

Thoughts on the Houston / Katy RE market? Do I exit out of my rental property before the oil and gas industry goes down? If I do, the money will be rerouted to the SoCal / OC market at a lower cap rate but potentially higher cap gain with much more volatility.

Just starting to look for a home for my parents who have never owned. This will be my second property and I live out of state. Any red flags I should know about remotely buying a house (and in NJ)? Also, at first blush a lot of the real estate agents seem to be doing real estate as a side hustle and/or are very young. I feel like I need someone a bit more dedicated or professional, any advice on finding someone like that?

Seeking advice / recommendations:
Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying multi-unit properties and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post real estate investment opportunities?
Thank you in advance

Im interested in purchasing a rental property. I have the money saved up, but not sure where to start.

What income do you think one needs to afford a $2.5M home?

How do you get past the 10th mortgage? I’m trying to buy an 11th property and I’m maxed out. Has anyone been in this? How did you manage?

Has anyone bought a new
construction home from Pulte Homes?
Considering one of their new
townhouse and looking to get a sense
of this builder's reputation. If there are
forums where you can validate builder
reputations, would welcome those
suggestions as well. TIA!

About to list my townhome for sale in a Chicago suburb. Any suggestions on how to price it right? Should i get a property appraisal? I have done alot of renovations recently and don’t want to price it lower. Realtors i have spoken to suggested based on the recent home sales in the area but not too many similar homes were sold in the zip code to get a good idea. Appreciate ur responses.

Under contract for a 2,700 sqft home in LA. I think the price is OK: it’s not rock bottom and definitely not overpriced either as similar sized homes in the area have sold for MUCH more. The price is decent because it needs a bit of work on the interior, and I’m perfectly fine getting that done. OK time to buy now? Ideally I won’t have to sell this one to buy another home anyway, so in theory the hold period can be indefinite. What do you think about the impending foreclosures due to COVID?

See a lot of people saying I “house hacked” a $XXXk home and it cash flows $X. Can someone explain what house hacked is referencing a little more? I’m assuming getting an owner occupied mortgage but renting it out but am unsure

What to do in such scenario? A first time home buyer bought a condo at the market peak with low interest rate but now it's a different story with the rate hikes. we almost pay 50% of our income for home expenses. It's getting really tight with education and car loan and other expenses. What's the best thing to do other than reducing the other expenses. The home value is now almost 50-90k less. Is selling the condo an option ?

Thankful for good lenders out there. Just closed on a refi that we started on October 9. My lender hung in there abs even relocked me to get me more closing help. 👍

Has anyone had luck getting out of a break clause in the lease agreement due to COVID? I had to move out and break my lease but it's like two months rent 🤯