Best property management software to use as a landlord?

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

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

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...)?

Not law related, but does anyone here have multiple travel credit cards? Can't decide if I want to get the Amex gold too or just stay with my chase sapphire and max all my points on that card.

Fully remote and looking at a bicostal lifestyle. I’ve found some nice long term furnished places, but where can I find a monthly rental for when I’m not at home base. I’ve looked at Enterprise and it’s roughly 2,000 a month for a compact. If I’m going to pay that, I’ll just lease a Urus for 18 months and save one or two hundred😂

What are the realistic alternatives to coinbase? Fees seem outrageous.

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

Is this the official Amex Fishbowl?

Damn coinbase, I see you ;)

Thoughts on DKNG or PENN? I think it’s a good long stock as more states will confirm to legalize online betting. Both have done amazing this year but wanted to see if anyone has some thoughts on this.

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

I came from China, you know why I came here? Because I hate being told they do things for my protection. Stocks there halt for the rest of the trading day if it moves more than 10%, because everything else must be too much risk for us little people to handle.

Time to buy SQQQ / TTT / TZA?

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.

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

I am thinking of buying a used Maserati (3-4 years old, low mileage and if possible as good deal) and use it for 3 years, put 15 k miles on it and sell it off. The cars available are for $35-40k (Ghibli). Questions for the group
1- will I be able to sell it for 20-25k in 3 years?
2- how much should I budget for repair and maintenance and
3- is it worth it? If not, what car do you recommend?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Anyone else here looking to make a switch into healthcare (physician, nurse, etc)?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Daily filling Timesheet even on bench.. bad process. it shall be weekly or monthly..

Women… how in the hell do you type in those acrylic nails??? I just got my first set and it’s so damn hard!

What if Elon Musk replaces Rajesh Gopinathan as the CEO of TCS?
All the useless managers will be fired?

What are the yearly hikes for NTT consulting division?

Has anyone out there worked for a cruise line before? what was it like?

Any advice on how to transition into healthcare IT without experience? I have a MS and MPH. Burned out on patient services roles. Hoping to make a transition before the year out. Actively seeking new opportunities.

Working as Investment Banking Associate(15 months)
Roles:
• Creating detailed company profiles, pitch books, management biographies and
industry overview 
• Preparing biotech Newsletter on weekly basis for senior management for strategic advisory
• Relative valuation including comparable and precedent transaction analysis
• Preparing a potential investor/acquirer database by portfolio analysis

Looking for opportunities, kindly refer

Hi Fishes,

Do any one of you have sap Ui5/fiori certification questions dumps. Please DM.

Programmatic Specialist making $65K - curious others salaries? I work remotely and have 2 years media planning experience and 2.5 years programmatic experience.

Hi all! Any one have an opinion for average rent for a studio in Oakland / Berkeley/ Sf for a ~30 min commute to Embarcadero area in SF? I’m evaluating a job offer and debating whether it’s worth moving out to there from NYC.

Advice on how to break into a sales position or the pharmaceutical industry? I have 1 year of experience in account management/customer service for a Biotech company, a B.S. in Cell and Molecular Neuroscience with research experience, plus the organizational and communication skills needed to succeed as a sales rep.

Open to chat— any insight or referrals are much appreciated!

I was fired after I reported a partner for a serious (criminal) ethics violation. The firm covered it up. Are all companies like this in the end? I’ve lost my trust and don’t know how to start over.

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

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?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

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

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.

How can I invest in real estate ? Looking for an additional passive income source

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?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

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! :)

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

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

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.

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

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.

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

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)