Anyone using or tried the Infinite Banking concept?

For those not familiar, it's "overfunding" a cash value life insurance policy and treating it as a line of credit. You can read more here:

Does anyone have any book recommendations for information on buying a house?

Freelancers - who’s your tax guy ? I’m very, very confused.

What’s better the S&P or a total stock market index fund?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Got a killer script for calling new families for life insurance?

Decided to payoff my mortgage.

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?

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

Got my first pay check! Trying to understand all the taxes on it….Are state taxes on my gross amount or do the federal taxes i pay get deducted first then state taxes on that amount?

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

Best website or realtor o company or way to find and buy a condo in NYC(Queens, Bronx or Manhattan), 2-3 bedroom.

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

What is the best way to invest in IPOs.

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

What is EYs 401k match? I am going to interview and found lots of benefits info online but could not find match or best. Thank you.

Any good mf with less tracking error to invest in us equity.

Really want to get a job a particular company that’s actively hiring for a remote team. Should I try to network my way in or just make the best application possible and hope for the best?

Anyone got offer from uk through third party payroll.?

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?

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

What were some challenges y’all faced this week?

I’ll start. Trying to get non local resources utilized. National Leadership thinks this is the answer to our problems but local leadership is hesitant.

Hello Folks,
I wanted to know about ServiceNow competency in IBM .. how’s it in IBM when compared to CTS or Infosys as am from CTS

What are your thoughts on pay discrepancies based on family structure? Ex. Two people do the same job but one is paid more or given a larger bonus “because they have kids and you live alone” or “because their family is struggling”. Is that an ethical factor if both employees do the same job at the same pace, quality, etc?

What you prefer to tell when people ask your income?

I usually prefer in hand salary 😇
As CTC and in hand after tax deduction is too much different.😑

If i say i am earning 45 lakh people are like wow man so nice earning...

If i say i am earning 1.5 lakh per month
People are like baju wala builder bhi itna hi kma leta 😂

Par kaise btayein ise ki baju wala builder 12 lakh tax nhi bhrta par ham bhhrte hain 😥

#Tax payers ki khani unhi ke jubani

So my fiancé and I are having a microwedding in Rocky Mountain National Park next year, and we’re working with an elopement planner.
She sent over a sample ceremony (intro, sweet poems + passages to be read, and example vows), and we read through it last night. I was reading it out loud while my fiancé made dinner, and it just hit me that this is really happening. I’m just really happy that I found someone who is willing to take a vow to spend his life with me and I’m so excited for that day :)

Going back to work next month. Have a full time nanny but feel like even that isnt enough. I work all sorts of timezones. Europe has my morning, Asia has my evening. Nanny 9-5? 7-3? 10-6? No clue what will work best and don’t want to be inconsistent with her. Any advice on the return?

Does your company offer Volunteer Hours? If so, how many per year?

How much exp do i need to be apply for bi senior 2 in ey gds? What can be the expected best offer?

I'm looking for a job change. I have 4 years of experience as an ETL DEVELOPER. I worked on different ETL tools like SSIS and ODI. Do let me know if any openings

Started the internal GC process in October 2018. Today I-485 status changed to "we ordered your new card." My jail free card is finally on the way I guess. Hope everyone with pending I-485 gets your GC soon!

Anyone have tips on writing a cover letter without referring to anything in the resume?

Big 4 Data Scientists, how did you exit to big tech firms? I’ve been unlucky with online applications and even referrals. I think it might be my resume or how I present myself. Can any free birds please give guidance?

Hi Friends,
Just wondering in the Netherlands how is LoonZorg for expat insurance? The deal seems too good to be true as the premiums are a fair bit lower compared to other providers.

Thanks!

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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 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?

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

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

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

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

Any Property Management recs in Seattle area? :(

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

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

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?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?