4 years into RE. Happy with the results so far! Thinking I should take on more debt with current IR, but the market is too competitive

Anyone else experiencing a long delay getting their DC tax refund deposited?

Has anyone just taken a break from work without anything lined up? Every offer I’ve gotten wants me to start in a month and with 2 weeks notice that leaves me only 2 weeks to recharge. For my mental health I really think I need an extended break (like 3 months). I have about 60k liquid to sustain myself and pay about $1500 a month in rent.

For the partners/mds/directors etc how are you protecting your money with the new administration? I’m assuming Biden’s plan will help the lower class but for the upper class I’m sure there have been strategies your advisors have been telling you. I currently have 20k in savings and feel like it’s just getting inflated away.

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?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Hi do you interview from time to time just to check what’s your market worth?

Does anyone here have a Tesla? Should I do it???...

@ib do u want to actually contribute bro

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Has everyone really lost faith in LTC? It seems that nobody is talking about it, and it’s not on anyone’s top holdings list (on FB) 🧐

2022 - How are we becoming millionaires folks? What are legitimate (not MLM, drop-shipping, affiliate marketing, Facebook ads) ways to make money besides our primary incomes?

For me: It’s credit spread {options} trading. That is the only one single thing that has worked for me.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Any recommendations on trading platforms that allow you to set up automatic recurring investments in ETFs? Was surprised to learn i cant do it with fidelity

Thoughts on the new Chase Freedom Flex?

Maxed out Roth IRA contributions when I wasn't eligible for 2021 (got a salary bump mid year). Do I need to recharacterize? It's a very small account that's been open for only two years. That's the only IRA account I own. Do I need to open a traditional IRA and roll over 6k + realized gains into that account and keep the Roth IRA. So confused how this works and got conflicting information from Merrill.

For those of you who made your first million in net worth, what did you do next?

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

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.

How did you learn how to invest? (Stocks, Bonds, wtv) I am a newbie to investing and would love suggestions on helpful resources.

Anyone here memorize their credit card number? What mnemonics do you use to remember it?

Is it common for HOA to ask you to prove your car registration is up to date?

Does buyer have to share appraisal with seller? Can seller request it?

Any recommendations for long term parking at Newark?

Has recession started??

Hello all,

Can we switch internally within Accenture India?
Currently I'm working with Accenture operations and I wish to move to Accenture Strategy and Consulting. Please let me know the procedure if anyone is aware of it.

Thanks!

If you could (somehow) have dinner with someone - historic or contemporary - who would it be?

How many hours are you IBD guys REALLY working. Everyone says 80+ hours but never seem to be around when you need them

On Bill Gross: “At Pimco he would ask potential hires what they would choose if they could only have one thing: money, power or fame. “I knew for me it was to be famous,” he says.”. What’s your answer

Thinking of moving to NYC from the west coast for family reasons. The concern, however, is whether I'm too spoiled by the west coast environment / hours. Additionally, how is housing/rent there?

I have recently left Big 4 Consulting few months ago (5+ YOE) and joined a boutique. I am not enjoying my role here - is it bad to leave after 6 months?

Finally accepting that I have too many grey hairs that I can’t just pluck them any more. What’s the best way to color speckles of grey while optimizing for cost/time/quality? Do those boxes of hair coloring at the grocery store actually work or should I get it done professionally? 🤔

Can anyone share hands on/ownership experience with a CX-30?

Currently an analyst-level consultant working with a client that has an investment banking division. Since I have access to internal systems, could I reach out to bankers for networking from within using those systems? Or would that be too aggressive? lol

All these announcers do is talk about how Aaron Rodgers is God… it’s worse than Brady.

Hi All 🐠🐟 Hope everyone is doing great Has someone recently joined Deloitte India bangalore recently? I ll be joining monday What happens on day 1? I'm completely new to offline onboarding Was just curious Deloitte Deloitte USI I know that induction is done but could u give me some details

Anyone else having issues with the 'reinvention of performance management'?

Is it common for HOA to ask you to prove your car registration is up to date?

Does buyer have to share appraisal with seller? Can seller request it?

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.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

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?

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience 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 price per sq foot to investors start buying in the north ATX home? My home is on the market and not moving. Trying to understand at what price point does it become attractive to investors

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

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 all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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.

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!!

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

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

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