100-150k in cash how would you invest it ? 1. Buy low priced out of state property all cash (~100k multi family in city like Cleveland ) With remaining money fix up property, rent and hold. Or 2. Buy multiple properties with loan and put down payments on 2 multi family homes, (up to ~400k each 20% down) out of state or possibly local. Buy mainly turnkey, rent and hold.
I know either way should essentially work but would love to hear different perspectives.

E&O insurance premiums others are paying? We have $140k AUM and Hartford premium is $5200. High or average? 2 Advisors, basic mutual fund diversified portfolios, no high risk assets in book.

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

My 2022 w-2 has states tax paid in California. But I was living in Illinois. I have paid more taxes per my w2. Do I need to file state tax for both IL and CA?

This is my first recession as a working adult. Is there anything specific one should do to prepare? But ibonds? We typically invest ~$8K a month into a brokerage (already have an emergency fund in actual cash but it’s maybe 2 months cash), but wondering if I should stack a bit more cash?

No worries about job loss or anything in the recession, just trying to see what others investment advice in this time would be.

"Stock Market Today: Dow Starts Week on Strong Footing as Energy, Tech Gain"

Is anyone aware if we are eligible for pension component?? I know D does have for Core Consulting model.

Recently bought a house and spent a ton of money on my renovation… now I am cash poor… feeling uneasy at the moment…

Does EY let you keep Amex rewards points?

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

Does anyone know of any retirement plan routes that'll allow you to invest directly into BTC? Or would you have to invest indirectly?

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

When do firms start sponsoring green cards? What’s the earliest year you have seen and can I negotiate this as part of lateral package?

Starting Intermittent Fasting meets elimination diet meets 40 days meat+veggie+fruit diet in consultation with a nutritionist + a lifestyle change program.

I'm not used to IF and had coffee with coconut oil this morning. Thought I was going to pass out since I waited until 11 to eat.

Thinking about adjusting starting to eat at 9:30/10 tomorrow instead.

No questions, just this is going to be something new to get used to.

Stress is causing a massive flare-up of racing thoughts recently. I feel like it's been at least a week or two since I last was able to completely clear my mind. And if it's not random stream-of-consciousness mess, it's music. Ever had a song stuck in your head? Because I've had one for four days now. Driving me nuts. Anyone else struggle with this/have a solution?

What are some interesting exits from operational restructuring?

What are some good opportunities for growth as a social worker? I've been in the same role for close to ten years, and while I love it, I know I can branch out a bit and probably even increase my salary. What have you all done?

Received an invite from EY last week saying they want to have an office visit this Fri. I confirmed and didn't receive finalized time/logistic even now. Are they just usually this slow or what?

Has anyone interviewed with syneos commercial advisory?

Do you still implement reference checks (on top of background checks)? I’m not convinced of the value add to the selection process and it takes a lot of time and resources

Are any BBs or EBs still looking for experienced hires? I have 2 years of deal-focused strategy consulting for buy side and sell side biopharmaceutical firms (includes asset valuations, market models and risk adjusted NPV models). I am looking to break into investment banking and would love to do so without having to get my MBA. Any insights/tips would be GREATLY appreciate.

Can wife claim husbands PAN for HRA? Flat is in the name of husband

Hi Tax Friends. Seeking some advice. I will give more context in the comments, but big picture I am a non-tax litigator interested in switching to tax. The question is: (1) pursue LLM; (2) take tax job now; (3) just treat tax as a hobby?

Hello Fishes,

I have been thinking a lot lately about job change. Afraid of layoffs and recession hitting soon. Should be worried about these layoffs and recession that is across the corner.? My exp is 5yrs java fullstack with devops tech stack. Pls do let me know your thoughts. Appreciate any suggestions.

I used to work down the hall from Zoom in the WeWork on Madison and 51st, who knew they were gonna blow up like this wow

Has anyone made the switch from public accounting to a tax role at private equity firm?

When traveling for business how do you find while eating out alone enjoyable or the food doesn't taste as good as being surrounded by friends and family?

New attorney doing M&A. These last few weeks have been kicking my ass. Consistent 12+ hour days. Might miss a family party tomorrow and will have to work over the weekend to finish a transaction. Any advice for a noobie on getting through this stretch?

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

Home depot or lowes for kitchen remodel? Avoid ikea?

How accurate is AirDna rentalizer revenue and occupancy (assuming you are best or at par with top area listings) - specifically in big city suburb if that makes a difference. Looking for any and all opinions of airdna rentalizer

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

Recently bought a house and spent a ton of money on my renovation… now I am cash poor… feeling uneasy at the moment…

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

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. 

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

My partner and I close on our house this Friday at 9am and I’m just so happy. I’m a public interest attorney and we worked really hard to save. This was after 10 offers. Just wanted to share 🥹

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

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.

Is it the worst time to buy real estate because of the interest rates?

Any reason why the listing agent recommend I use a specific title company?

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

What's common % for Property management fees? I've seen anywhere from 6.5%-10%

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).