Any part time realtors here working around a regular job? I’ve been thinking about getting a real estate license and trying real estate on the side since my job is somewhat flexible during the day. But seeing how feasible is this without going all in

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

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?

Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just stretch and put the extra money into investing? Note I just graduated this year, thank you guys :)

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Does anybody contribute non deductible $$s to their traditional IRA? Should I or should I not do it?

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

200k in student loans. Unmarried, no kids. If you had to choose - Would you prioritize paying them down/off or saving up for big ticket items like a house/retirement?

Looking for an investment that will produce current income and has a small minimum investment size. This would be for myself just to have more income. I'm willing to take any amount of risk

2.75% rate + $2000 lender credit for 30-yr conventional in Austin. Is this good??

Today I’m thankful for Bitcoin, Ethereum, and Coinbase. (And this community too)!

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Does anyone feel like these cryptos and short term real time pump and jump investments come at emotional and psychological cost? Money looks too easy and it gets frustrating when you just sold something that has been stagnant for days and the moment you sell it just skyrockets etc. just curious

I do not like HR work, should I be aligned to HC? I’ve mostly worked on process design on large transformations and do not feel like I need to be an HR guru in order to understand the business process

Curious how other people’s brains work.
When you get an activation brief, what’s your process for coming up with a solid idea?

Look for cultural moments that you can adapt? Look through award show books? Scroll YouTube videos until 3am?

I know that every brief and every idea is different, but I’m more interested in the process and what you’re creative routine is to get the wheels turning.

Thanks.

I know agencies across the board did some layoffs right before the holidays, but when do we think hiring will pick up again? Getting to a point where I feel like I need to start thinking about a change.

Hello fellow Protiviti members. I have currently been in talks with the company about moving on to my next career opportunity at the Boston or Atlanta offices and want to get an idea of what life is like working for the company. I currently work for PwC, I'm sure some of you come from big4 and understand the low salary, long hours, and office politics that PwC and other big 4s bring. Do you enjoy working at Protiviti more than PwC? How is work/life and travel requirements? Reinvest stuf requird?

I have an interview coming up with the hiring manager for a senior tech writer role. Should I have data to back up a lot of my examples/experience?

Unfortunately, I don't have a lot of data/numbers to use I just have a lot of anecdotal evidence.

EY folks - How hard is it to change service lines at the manager level?

What kind of salary range can I expect in industry in a tier 2 city if I leave consulting after 3-5 years of SAP experience?

What is the fastest way to sponsor a pup?

sitting on the toilet during the workday is the only time I feel at peace

What skills needed for data engineer role in FAANG companies?

Quick one fishes, do floor plans typically include the en suit bathrooms? Currently on an aggressive flat hunt so trying to size the rooms to know which to eliminate from the inspection list.

Cloud architect here heading home to the uk, 6 years at Microsoft and ex-aws.
How’s the job market currently? I may stay with MS but fancy something a bit more hands-on, maybe a startup? Also is wfh still a thing over there?

Has anyone else worked two programming roles at one time?
I currently work as a Contracted Software Engineer and I’m set to finish my contracted time at the end of October. To stay ahead of game I started to move forward in the interview process with another opportunity as an Application Software Programmer and just received notification that I got the position. I definitely could use the extra paycheck to help out with my financial obligations. Just wanted to see if anyone has done this before.

Friday Wordle

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Hi! I got an offer with Standard Chartered India. What does Grade 7 Band 7 mean? and I got a role as Specialist, Product engineer. Is this equivalent to senior software engineer ? Or relevant to manager? What is senior engineer is know in SCB?

Thanks in advance!

What does everyone think about this debate on the big ETH validators potentially censoring OFAC sanctioned transactions?

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

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

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?

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

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.

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Are the <3.5% rates gone for good?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

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?

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...)?

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.

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

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

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!

Hi - any good books recommendations for getting started on real estate investing?

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

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?