Bought a primary residence when rates were low. But now I need to move out of state. I'd like to keep this low-rate mortgage. To turn the property into a rental, the mortgage provider says I need to pay down the loan to get below a 60% Loan-to-Value. I'm currently at 90%. I can pay down the loan to 60% LTV in 3 years by making extra payments. Then rent the property for a profit of $5-8K/year, making back those extra mortgage payments slowly over the life of the loan. Good/bad idea?

Is there a loop hole to having a Roth IRA even if you are over the income limit? How did Peter theil get one? Looking for advice

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

🔮 Looking for some buys with my new found gains in ETH 🔮

Is it smart to invest in Apple right now?

Anyone ever take a taxable withdraw out their 401k? What was your reason for doing so? Knowing what you know now, would you have still done it?

Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

New to investment and have saved 50k from my job. Is putting them in ETF strategy till I learn more about investment?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

My CTC is 21L and i have tax deduction for home loan at 1.5L and icici policy premium at 1.5L
How can i reduce my income tax in what all other investements ? Please guide me

What’s a good credit card to get with great intro offer and points valuation? Already have Chase Sapphire. Have an upcoming large expense < 4k. no points guy page link pleass

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

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

I’m a first year associate and perpetually concerned I’m going to get fired bc I feel like my work product isn’t at the level it should be. Does anyone have an idea of how easy/ hard it is to get fired?

Had an FET transfer and just got the news that the pregnancy test is negative. Feeling very defeated about it. All my labs are good (AMH 3.1) and the embryos were PGA tested. Have only two left now, and this was the best quality one. The irony is I did feel pregnant couple days after transfer but then I stopped feeling pregnant. I read that some women don’t really “feel” pregnant until 6-7 weeks… but i did “feel” then stopped. It just sucks. If you have any advice for coping, I’d appreciate it.

Hi there! I’m a new grad PT trying to navigate/figure out what a fair starting pay is and if I should negotiate. I will be working in acute care for a well known hospital in Cincinnati, OH. Anyone willing to share their pay and YOE?

any openings for associate (technology) in pwc..??

Got the ikon pass, where should I take a week off and ski? Based on east coast and do most local skiing in New England.

I just tried to change my flight home from Madrid a few hours earlier and delta really said that will be 2.5K 🫢😵‍💫🥹

Hello everyone,
Does Honeywell, has complete work from home option?

My RB situation is ugly. Recommendations on who I should start?

Need 2; 0.5 ppr

-James Conner @ CIN (I also have Snell in the event Conner is ruled out)
-Jeff Wilson @ DAL
-David Johnson @ IND
-Chase Edmonds vs PHI
-Lynn Bowden vs NE

I can also add Salvon Ahmed (vs NE), Sony Michel (@ MIA), Gus Edwards (vs JAX), Tony Pollard (vs SF), Latavius Murray (vs KC), James White (@ MIA), DeAndre Washington (vs NE), or Giovani Bernard (vs PIT).

My WR/flex is Ridley, Woods, Hilton, Amari Cooper

Is there a loop hole to having a Roth IRA even if you are over the income limit? How did Peter theil get one? Looking for advice

Hi everyone, I got laid off today and I am now urgently looking for a job. Anyone hiring Please DM or comment with any recommendations. I have real estate and consumer relations experience and I am looking to get into project management.

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Senior engineer making 135k and I was offered a promotion to engineering manager after completing a development plan. Near the end of the plan and I expect compensation talks to start soon. Based on some research around Boston and my role in the company, I feel 165k plus 10-15% bonus is fair. Nonetheless, first time going through something like this and asking for thoughts and comments. Thanks!

Can i get some idea on what are current market trends for candidates with 5 yrs of SOC experience applying for cybersecurity roles like security officer or GRC related as well as consultant roles?

This bowl has been quiet and I see partners commenting on odd posts around fishbowl so I figure you need more fodder: partners, did any of you have parents that travelled as much as you do?

Anyone have good/bad experience with a dietician? Is it worth hiring one? I just started tracking my calories and doing IF, but I honestly really don’t know what I’m doing.

Has anyone tried King’s County? A bit steep for such a new distillery, no?

Does buyer have to share appraisal with seller? Can seller request it?

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.

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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. 

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?

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’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

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? :(

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.

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

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.