At what point would you do a cash out refi on your first (rental home now) home? Curious to hear everyone’s perspectives. TIA!

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

If I leave big law for ADA will I get canceled?

Any entrepreneurs here had angel investors actually invest in your company? If so, how did you find them and how did it go?

Guys, what platform do you use to trade US stock?

Folks who trade more than a couple of times a day, do you have to have your crypto in the exchange during the non-trading times ? I am debating if it’s safe to keep in the exchange or is there a better way perhaps moving from cold storage to exchange every time ? I know the transaction fee is a killer . Thoughts ?

Late in the game with buying crypto. Single but with limited savings with which to splurge. What is a good price point during a 'dip', and which 'stock' is best in my situation (LTC, BTC, ETC, etc.?)

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

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

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!

Are any RIAs charging for maddening 529 plans? If so, how?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Is flipping houses worthwhile? I like decorating and renovating, so I'm thinking that maybe I could go into this and try my luck.

Has anyone noticed how attractive realtors are or is it just me? Recent studies show the more attractive the real estate agents, the higher the listing price of the home.

Has anyone started an LLC, S-corp, or C-corp for your day trading? If so what are the requirements for getting started with that?

Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?

For a 10 yoe , azure data engineer role which is best LTI or xebia or HCL ?

HCL Technologies LTI Information Technology Xebia

How much a foreign language expert can earn with nearly 5 years of experience in Kolkata or in other cities?

🍂November JOB THREAD!

Do you know of an opening or opportunity?

Share it in the comments below! Help another Fish. 🤝

Skinny Jason Mamoa 🤣🤣🤣

Gary Vee took credit for that baby nut commercial on Twitter. Love me some Gary Vee but not so much Baby Nut.

And now...and ad for music

Groundhog Day wins it for me. Perfect cultural reference to fit the message and a lovely execution.

Is this bowl active?

Hey fishes! Need some advice - I’m looking at apartments by Liberty Harbor in downtown Jersey City. I’m seeing mix reviews online. Anyone live/lived there?

Am not surprised to see so many positive reviews about this company. I was also a victim to them but am glad I was faster than them I notice there is a catch to thief plan after making me depot almost all I have but am glad reaching Hoskey April a revert expert with his assistance I was able to recover my lost of $13,800 I will not be self centered not to share his contact if you can reach Hoskey mailHos key team@ pro ton .me 

So l just started a new job (I work in
higher Ed) but I would like another
stream of income. I am interested in
adjunct faculty but I find it so hard to
get into and I think it's because of
experience teaching. Can anyone be if help with landing an online adjunct position for teaching college readiness or success? I think to start my teaching journey that type of course would be best.

Can someone refer me in their company?
Looking for a job change.
Current YOE -2.5yrs
Skills- Devops, Azure/AWS cloud, Java.
Domain- Telecommunication, Banking.
Location- Hyderabad

Planning a one-week summer vacation to Yellowstone Park area. Family unit of 6, so need to rent a single, large SUV. Just looked at prices and the cheapest car available for 6 people with unlimited mileage is $3,500+. Makes the vacation almost not worth it. Anyone have any recommendations on how to get a better deal? Any discount codes? Thank you in advance!!

Any M 40+ in Nairobi? The apps here are not it!

Please suggest me best SIP to invest

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

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?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Can I get a commercial loan without 25% down?

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

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

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

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

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?

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!

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

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

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!

Any Property Management recs in Seattle area? :(

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

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

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!

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)