Am I making the right choice by buying a home right now? Located in California and looking at 800k for a small 2,000 sq ft house. In the suburbs and far from the city. Everything else for same or less is a literal crackhouse.

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Has anyone ever made a private investment into a startup? For background, I have an opportunity to invest and due to the tight timeline, not sure if I need to get compliance involved. It is in a newer industry that my fund does not invest in. Wonder if anyone has been in similar situations and what compliance could potentially do.

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

Has anyone used or heard about Flagstar Bank for mortgage? Seem to have a great program for JDs, wondering if anyone has any bad experiences or good experiences with them

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

What happens if I deposit funds into a Roth IRA account when I am over the income limit?

Moving to NYC soon for an entry level salary in IBD- what taxes can I expect to pay?

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Who bought some Bitcoin on Black Friday?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

Do my wife and I still qualify for the $500/child for 2 kids if we earn more than $200k in combined joint income? If I didn’t file for 2019 taxes yet, and one kid was born 2019, do we get 500 or 1000?

I’m 28, debt free, make $70k/yr in a MCOL city and have a net worth of about $140k. I want to buy a house, but most houses in my area are $300k+. How many times my income should I shoot for in terms of house price? Thoughts on paying say 10% down and then just investing the other 10% vs paying 20% down?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Looking for some software or tools recommendations for
1. Plan for retirement- I am looking to do the following calculations : calculate total corpus required at retirement based on inflation lifestyle etc. , calculate total amount my investments will grow at retirement age ( 401 k , savings etc, ). These two figures should give me an idea where the additional amount i need to invest.

Any recommendations?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Spoiler Alert: Hillary wins.

How do I say to my counselor, "be prepared to see a big fall of my utilization because of things out of my control" without sounding like complaining or having a lot of negativity?

M/SM and above, why do you label a meeting as “touch point” or ask if you can have a “quick chat” when it’s something serious? Millennials like us always assume we’re about to get fired - I actually have been laid off in a meeting with that title. But at my new job, my boss asked for a “quick chat” to literally ask me to change the title of a meeting and then chat about christmas. Now that I’m in management, I want to understand it better.

Meeting with a recruiter at one of the FAANG companies. I won’t be able to move jobs because of H1b /GC at least for the next year. Any idea if I should start off with that or should I just try to understand the work that they have been doing?

Accenture is in the full gear military recruitment season. I was hired on through the process a few years ago and it’s been great ever since. They have paths for officer and enlisted. DM if interested

Anyone going to Santa Con?

Guys, I interviewed at amex gurgaon 10days ago and was told by VP that I will hear from HR very soon. But when I checked on HR yesterday, she said interviews are still in progress and it will take a week more to finalize.
I want to know do they take this long to close a position? This opening was posted on 30th Sep.. It's already been 1.5 months. This is when they said the position was urgent!! 🙄

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

I can refer you in Natwest . DM if you like .

YOE - 11
Current CTC - 33 ( 30 fixed + 3 Bonus)
.Net full stack ( .net + azure + react)
If I change switch now how much I can expect?

Do anyone have answer to OFRO TRAININGS

Hi, What would be the max CTC can expect from birlasoft if we have counter offer of 11-13 for Python Automation with 4 YOE

Hi Fishes,

How is Birlasoft company overall ? please do comment as per your exp. It is urgent.

#wlb #projects #work-culture #growth

How are on-site opportunities in Birlasoft ?

I have completed 1st round in Birlasoft and 2nd round scheduled, it will be technical or management?

Anybody’s practices said anything about in-the-office expectations post-RTO? I know in my practice before this it was mostly in-the-office unless traveling, but this situation seems to have changed the culture.

Hi All,
I am a software developer with 9 years of experience working in Java based backend technologies. I am looking for WFH opportunities. Any help would be appreciated Thanks

Can we pin a post with recommendations for professionals and therapists that you can trust in your geographic location? If so, I’ll start in the comments with my recommendation.

It's been a tough year. Have any auditors out there negotiated their salaries upwards? If so, what did you say, and how was it received? I am newly promoted and wondering if that is a good move or not.

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

For those that built higher end homes, what kind of appliance budget did you have?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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”.

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

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Can I get a commercial loan without 25% down?

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

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

What's the best city in UK to buy a buy to let property, with best returns?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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?

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

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?