Any investors in the south Florida area ?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

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

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?

Is now a good time to buy VTI?

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

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

Received a license to grow in Mass. starting a company, have a great business model, pitch, and multiple competitive edges. Looking for 5M seed funding investment to get up and running. Any advice on how to find and connect with potential investors in this space?

I like in Oklahoma where I make 34K per year. Houses aren't that expensive but on top of my other expenses, saving for a house seems nearly impossible.

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 seem to have over contributed to my HSA by ~$50. Is it even worth it to withdraw if my HSA charges $20 for processing an excess distribution request?

Curious how this past year has been for everyone? Are account balances pulling your income down? Or has you book been growing? New clients? Are current clients implementing more because they realize they hand no idea what to do? Or is everyone still scared and sitting in cash and short term fixed income?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Any tips on negotiating rent increase? I got a 20% increase and it’s more than I am willing to pay. What are effective ways to negotiate?

Other than Airbnb, what is the best way to find month to month rental options?

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Anyone just out of first trimester struggling with sciatica pain on right side? It’s excruciating and not sure how to alleviate - I read up on some stretches?

How’s everyone holding up?

Hi everybody.
Right now I’m working as a junior product engineer in Amsterdam. From januari on I’ll be a medior product engineer. And now I’m in the middle of negotiating about my salary increase. The salary that I’m being offered feels low (41.5k).
Is there an other product engineer that could tell me if my gut feeling is right or not? Thanks in advance!

Best place to go for a short vacation after tax season?

Good books for case prep/valuation. Econ consulting, if relevant. TIA

Is anyone have done with Capgemini interview for tableau developer???
Have any1 faced elevator issue???

How many of you have left or are planning to leave therapy, and what did you transition into?

How do filmmakers find investors?

Best courtroom story/drama in the past couple weeks...go

Hello Cyber Security Team,

I have two years of experience in Cybersecurity worked on SIEM, EDR, XDR, Vulnerability Management, SCCM-Patch Management. Email Security, Microsoft Azure Security.
I'm looking for change how much hike I can expect to get ?

What's a good heel height for work?

Hello! I’m looking for study materials for the PHR. Does anyone have recommendations for cost effective resources or perhaps willing to part with your study materials?

How long is it recommended to stay in a role so it doesn’t look like job hopping?
I would like to continually increase my income, but 3% merit increases don’t cut it.

Guys... is this right time to switch for hike? I have heard we have ongoing recession in IT.

Planning for a 7-10 day family (kids age 5 & 9) vacation to UK during Thanksgiving. Looking for guidance on weather during that time and activities that would be appropriate that time of the year.

Any tips on best value Marriott points redemption for a beach vacation? Preferably Europe or Caribbean, and luxury resort.

Never been a Laker fan and not a Kobe stan, but man did I just cry my eyes out scrolling through Instagram just now. Tough loss on the world. Just wanted to say it somewhere.

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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.

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

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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

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.

Any one familiar with Ocala FL. Does it flood? Would you send your children to the public schools? Is it a good place to live and raise a family?

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?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

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?

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

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

Do you thank your tenants for paying the rent? A quick thank you text?

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...)?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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.

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

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