3.875% haha (yes they probably pay down points vs docking the sales price, but this could be favorable from a cash perspective, depending on duration)

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Fish fam need advice. I have 70k in savings including emergency. Making 180k p.a including bonus, should I buy a condo for 350k. My lease is up for renewal soon and it bites me to pay 1900 in rent every month. Will be my first home purchase so feeling nervous, please help.

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?

I’m an early startup having raised a bit of money from family and friends to help grow my business. Time is moving fast and I’m potties I won’t hit my targets and being the return back to those who invested.
Once I have used the money that’s been invested there’s no way of seeing it again and still bringing the return quick enough.

The numbers still show it’s possible, I still believe in the concept and I’m still growing, I think I just have some imposter syndrome.

Any advice?

Are remittances / gift sent from US to India (from post tax money) considered for any tax breaks or deductibles in the US?

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

Current holdings are FUSE, FTOC, CCIV.

CCIV has been a roller coaster but today was amazing. Anyone else on this ride?

I just sold TCHB for a pretty decent 30%+ profit before it dropped today.

Anyone recommend any others for some DD? IPOF seems to be a hot topic this week but also keeping an eye on PRPB since it's one of the largest pre LOI SPACs and that could let them find a larger target than most others.

In my opinion, the slow ROI keeps businesses from seeing the importance of investing in the community. Do you think that attitude is changing?

What percentage of your monthly income do you actually see in your check, your net pay? Basically, what percentage of your check goes towards all the different deduction? I get 50% of my gross income deducted.

Can H1B visa holders own rental property? If so, can you self manage or do you have to get a property manager? (House would be bought through personal loan, not an LLC, so wondering whether USCIS could deem self managing as unauthorized employment? How would they find out?)

Living in Van. Previously lived in Toronto. Obviously rent prices are high as is cost of living. Generally go out and spend more often living in a city. Boyfriend and I on good salary but not saving much due to the above. Before we move home to our own country, we’d love to spend a year close to Vancouver where rent is cheaper, temptation is less, to save. A commute to Vancouver 1-2 times a month needs to be possible (his job). That can be a flight if it’s not crazy. Thoughts? Recommendations?

Do I need to report my crypto holdings to EY?

I have the older United cc. If I wanted to get the explorer card to take advantage of bonus points could I just apply for it or would I need to cancel current then apply? TIA

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

Got my PERM approved last week and just submitted all the docs for the I/140/485/combo cards. How long it takes for attorneys to file it now?

I am a creative designer/animator with a leading medical tech company with 6 yrs exp and based in NY. Currently looking for new roles because of relocation requirement at my current role. Any tips or referrals would be really appreciated. TIA!

Hola Fishes! I'm looking for a job change and I hope someone could help me with a referral.
YOE: 3.3 years
Skills: Python, Selenium, JS, Shell scripting, WCS

Hi fishes, I recently joined Accenture, I am from manual testing background and they put me into monitoring team where we need to analyse errors looking at codes, logs and resolve it and the KT that is being given to me doesnt feel enough when I raised concern to TL, TL itself is blaming it on me that I qm not able to understand what is being taught, I am not able to work in the project at all, I requested for roll off within a month, will this imact my career at accenture? someone please sugges

What freelance company should I reach out to? The job opportunities lately have been limited.

Hi folks... What is the interview process for lateral hire in Airbus? How many rounds will be there and within how many days the feedback in given?

On the news, there was a report that "stress" causes negative health effects. Um. OK. Don't people feel "stress" just by being alive? Like, what would be the control group that you could measure the results against? I don't know why, but it always makes me wonder

Hi all! I recently made a change from HR to legal. I am now a paralegal II - Immigration specialist making 65-70k hourly base for a fortune 100 company. My office is situated in Missouri. Was this a good offer?

I want to find people who have made working 10+ hours norm in consulting. Seriously man...

How are acquiring new clients

Does running actually ruin your knees or is that just a myth?

I’m getting into consulting but have no idea what a reasonable hourly rate would be for creative ops. Any suggestions?? I have 6+ yrs experience with Fortune 500 companies, working on the brand side and at an agency.

How much media experience should someone have before pivoting into comms/connections planning? What specific media tools would a comms planner use in their day to day?

Although I've reviewed job descriptions for comms planners, would love to hear someone's input & experience.

Would like to set myself up to make this switch eventually. Thank you

What does QRMTE - expectations not met signify? How does it affect?

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

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?

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?

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

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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!

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?

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

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

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

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Any Property Management recs in Seattle area? :(

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

Any one knows what’s the easiest way to order a radon test for new construction?

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.