Anyone here bought a property Europe (while being in the US) and open to chatting about the process?

I bought $150K bells worth of turnips this week and the price just keep dropping. Anyone have good turnip prices on their island today? Pls save me from financial ruin

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

Gonna help my 16 year old sister get a Roth IRA and learn from my mistakes of not starting early... Should we park it in a target date fund or index fund (VTWAX or the like) ?

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)

Been looking forward to the stock market to come back to earth for a long time. What should I buy

Is this the official Amex Fishbowl?

Do you have a prenup? What does it involve?

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

Hey all, deciding between two properties in Miami for this weekend - W Miami or the JW Marriott (not marquis). The W is about $325/night all-in while the JW is 40k pts/night. Which one is better?

FYI Amex offer for Allen Edmonds. Spend $300 get $90

Let's say through a combination of aggressive saving, high income, and savvy investments, I manage to save several million by the time I'm 40.

If at that time I decided to pursue my passion and go to law school so that I can be an affordable attorney for worthy causes, will my age hold me back from getting into law school?

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

What other avenues are you using to increase income?

Any REIT ETFs that people like?

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

Thoughts on Candace Owen’s video today?

Hi!! If anyone here works for Axis, how do your titles work? I’m used to trainee (0-2 YOE), underwriter (2-4), senior underwriter (4+), then avp/executive underwriter.

Recently was informed that my salary will be increasing and was asked to sign a Confidentiality and Assignment of Inventions Agreement.

Anyone experience this before? Is it pretty typical?

Is it a red flag if someone says they don’t believe in self help books like Atomic Habits, Attached, etc?

What is a good salary for a non-tech client-facing director role at a Series B company?

I received offer letter from Accenture mentioned joining date is 1st-Oct-22 as I had told them that my notice period is of 3 month,Later I got to know that it is 1 month as i am still in probation. So I asked them to give early joining.

HR told me to put resign and let him know my LWD and as per that he will send revised offer letter.
My last working day is 20 July. Still I haven't received revised offer letter.


Can anyone pls suggest what should I do?

Will they provide early joining?

My status in TCS portal is showing as Evualted and Docs are pending for verification..When can I expect the offer letter?

Difference in A1 stub bonus when joining in March vs. summer as usual? I’m joining early, but still part of the 2022 Class.

Join any dam company in world but dont join lala company HCL. Worked there for 20 days only last yr and 1year later i got my relieving letter after multiple tortures of legal notices for not serving notice period even though when they themselves released me.. from 160k to 0 that i paid them. I could easily sue them for harrasment but i didn't wanted to get involved in useless sh** and waste my time and energy .. BEWARE OF HCL

Please suggest which to choose

UST and CitiusTech

YOE: 5 yr

Preference: Long Term, WLB, Job Security

Tech stack: Backend, Node.js, AWS Development, MySQL

I have got confirmation from CBA that I am selected and all the documents are submitted. On the website, my application status is showing as an offer. When can I expect the release of an offer letter. HR told me 3 days back he will be sending it by the EOD or next day but he is not responding after that..

Would MBB firms ever pay for your MBA tuition if you got your MBA prior to joining? Like if you agreed to stay on for X number of years and they pay down your loans. Does that happen?

Im a rising junior and finding a lot about recruiting process lately and I applied for few internships as well. I heard people say to practice 25 cases. If so, am I already late? Do you have any advice on how i should manage my time preparing?

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

Tell day 8th Nov!

Hello All,

I have 3.6 years of experience with Persistent Systems Ltd.
I am working on Core Java, Docker, Kubernetes, Github, Jenkins.
I am also serving my notice period.

Any openings, referrals are appreciated.

Thankyou!

How is work culture in S&P Global platts segment for Software Engineer II role?
And weekends may not be on Saturday and Sunday?

Any good drinks spots for a date night? Something with a frozen fruit drink or craft cocktails?

2019 Hot Take #1: Mutual fund outflows will continue and accelerate if the market pulls back.

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.

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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

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.

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

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

I joined a real estate team & I was expected to show up at 9:00am sharp every single day. Is this a common team policy?

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

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

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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?

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

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.

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

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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?

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

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