Any first-hand recommendations of property manager in Campbell, Willow Glen area or overall San Jose?

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

Do we have option to include stock in salary structure in FIS to save income tax?

Does having student loans impact your ability to get a mortgage?

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Have you received the salary today? Got the mail now but no credit yet in account 😕

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

Making $37 hr full time with benefits. Chattanooga Tennessee

Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Anyone start later in life? About to turn 32 and my retirement savings are sad.

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Anyone buying calls today ahead of JPow likely printing more money again tmrw at 9 EST?

Please help! I'm looking for writing terminology. At our agency, we are getting more into creative writing vs ... executional writing? Please help me find the right term. Creative means developing the big idea (concepting), writing scripts and headlines with flair, etc.) for an awareness "hook" and then the other camp, which includes brochures, one pagers, banner ads, sales sheets.

What should we call the other type of writing? (Cont in comments)

I’m sick of living in NYC but can’t go anywhere.

Does anyone have a work culture that prioritizes WLB? Sometimes I feel like it's all talk for branding.

My firm is looking for funds tax associates or those with an interest in the area. Happy to share more information over DM.

Hi, I am currently working as a Business Analyst. Let me know if any referral opportunity is available for Senior Data Analyst or Senior Business Analyst roles. YOE: 3 CTC: 14

Currently I'm working as a BA, have 1.8 years of experience getting 11 Fixed.
I'm married and live with my wife and parents.
Currently I'm the sole earner.
I confused in which area should i improve my skills. When I see my friend who are SDE getting 30-40 LPA, In which field I will getting fast growth also I want to shift to Mumbai or Pune for permanently, currently I'm working in Gurgaon.

Got offer from Cognizant and Infosys.. Where Cognizant offering more package almost 1.5 Lpa mor, but heard lot of negative review on social media like they don't have good project, no job security, they will make you to work on other tech etc . Is it true ? Share some pro and cons that will be greate .. thnks

Why does everyone say the work in FDD is so much better than audit? I’ve been in the group for a few months now, and it seems to be just as bad if not worse.

Anyone ever heard of Credigy?

Is 25 too old to lateral from my no name boutique to an MM or BB?

Greece Vs Budapest, Vienna, Prague during first week of October for 10 days. Which one do you prefer and why?

Anyone located in or around Charlotte NC looking to hit the links this weekend? DM me, I’m a 15 GHIN

I have an offer from vodafone. Will Vodafone give a counter offer if i show other offer letter with more lpa?

A customer brought me a Christmas gift today. So sweet. What's the nicest thing a customer has ever done for you?

Solos - what does your day look like? Do you work traditional hours? Do you take breaks during the day for personal things such as errands and working out?

Hi all,
Looking for some referral in PwC. Working as a staff with 9 months of work experience at EY GDS in legal department.
Kindly help I am exhausted with the work life balance over here.
Thanks!

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.

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

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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!

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?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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.

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.

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

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

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

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?