Buying a house in Irvine. What’s contractors do you recommend? The house we are buying needs work in terms of kitchen and bathroom upgrades.

December 31, 3018
Bitcoin: 30,000
Ethereum: 2500
Litecoin: 1000
Bitcoin Cash: 12,000
Ripple: 12
Cardano: 7
Neo: 500
Eos: 120
Dash: 3000

Is there an easy way to pull all my crypto trades from coinbase to see in one place how I’ve done since 2017? This is the first year I’ve sold any (locking in losses during dips on altcoins; diamond hands on BTC), and want to make sure I get it right for taxes.

Chicago announced a $10m grant for looted businesses. Really confused because I thought insurance just gives everyone that’s looted money.

Client referred me to thier mother. Has $68k coming due in cds and wants income. Money is qualified. Refuses stocks. Wants some money short term. Any ideas?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I am sure this is a question with an obvious answer, but does anyone else just feel absolutely trapped in a job they hate because of their student loans? I’m three years out of law school and I still have $160K in student debt despite making aggressive payments. I work in a larger firm (not big law per se, but 250+ attorneys and big for the market). I am pretty unhappy with my job the vast majority of the time, but I feel like I have no options. $160k at 6% and 7% interest cannot be ignored.

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

First gen, first year lawyer here. What do you do when you have family members who expect money from me every paycheck. I try to stand my ground but I get guilt tripped, especially when those family members were there for me.

It’s getting hard to save money when there is this expectation that I must give them money every paycheck. It feels like I have nothing for myself.

I’m on OPT right now, so depending on the H1B lottery next year, I may or may not be living in the US long-term. Does an HSA make sense for me?

Hi team ,

I have started working from jul2019 and I have filed my tax return for 2020 and 2021 tax years.


However I note that there was withholding of some amount in 2017-2018 and 2019 tax years ( withholding from comission received from insurance commission from lic and United india)

I have not filed 2017, 2018, 2019 return as my total income was less than threshold

Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

Recently attended an FA conf. where there was discussion about 401(h) plans & their tax advantages.
I know a variety of 401(k) providers available via my B/D but don’t know of 401(h) ones. Do you ?

What are the best credit cards to use for
Personal use , flight booking?

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

In case anyone needs help with their Tax returns, please feel free to DM me.

Any advice for a CD team who wants to move to pharma? We’ve freelanced in the space, but don’t have work in our books. Currently we’re running a large CPG brand, FT at a network agency in NYC.

What biotech stocks are yall trading right now?

GILD, INO, MRNA

Are people looking to leave when for their LinkedIn title - job title, no company listed in the header or am I over analyzing lol

If anyone’s interested in knowing more about Tosca - E2E functional test automation tool. Please LIKE and DM

Anyone worked for State Farm? A recruiter contacted me abt taking over a book of business in my area. I am wondering if I could do that and also be RIA?

Preference and viewpoints on B2B vs B2C ?

What's the best firm to work for in Dallas? Genuinely curious.

Anyone know a Connecticut or 2nd circuit case for this rule? I can’t find one to save my life. A defendant generally is liable for all harmful results that are the normal incidents of and within the increased risk caused by their negligent acts. If a defendant's negligence was a substantial factor in producing the plaintiff's injuries, the element of proximate cause has been satisfied and the defendant would not be relieved from liability for those injuries even though another force concurred..

Looking for Indian store recommendations in NJ where I can find some desi style footwear (women) to go along with my lehenga for a wedding. I’m in Hoboken, but able to drive into the interiors. TIA!

Hi Fishes,

I have 7+ YOE as a SAP Functional consultant. I am trying to learn and switch in SAP BTP.

Can someone advise roadmap to transit to BTP? Also how much coding involved in BTP?

Hi..
What is the hierarchy structure - Senior Software Engineer, Senior Specialist, Consultant, Senior Consultant? Are they all in E2 band?

How did you get up the courage to invest? I max out the annual allowable contribution amount for my 401K, but otherwise I’ve got everything in savings. I have no debt, just a bunch of excess cash I’m too scared to do anything with. I know this is irrational - I’m above the FDIC-insured amount and I’m also losing value to inflation. I’d like to get to a position where I have maybe 14 months’ expenses in cash and the rest in investments (probably low-fee index funds).

How much does a PM make at fintech companies?

I am a mechanical engineer having 10 years of experience in wind and automotive domain. Is it possible to switch to IT domain. Please suggest some course without or with basic codeing to get some IT jobs.

I am hoping to crowdsource some salary data for sustainability consulting as I feel like there may be better paying opportunities out there. I'll start; I make $80k with a masters in engineering and 6 YOE. I am at a boutique firm in a second tier city.

Im currently interviewing for PWCs climate & sustainability services ESG Consulting solutions team as a senior associate, does anyone have any insight on the practice? I know it’s growing a lot

I’m a first generation professional and have been in this industry for only a few years. Anyone have an suggestions for dealing with discouragement and burnout? It’s been challenging trying to maintain career optimism and figure out my career with little guidance while also trying to be an encouragement to burnt out colleagues when I’m already feeling weary.

Anyone here from Toronto area? Looking to relocate from NY to Toronto and in search of apartment/condo. My budget is $1500 for a 1bd. Is that realistic? Things I care about:
1. Walking distance to gym
2. Walking distance to a grocery store
3. Proximity to Old Toronto/kings st (work) with biking/public transport
4. Don't plan to own a car

What are some good sites to look for apartments or realtors?

Anyone know of a good app for healthy recipes with Macros etc.

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

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!

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

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!

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?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Best way to start wholesaling real estate?

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?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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

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?

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?

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!!

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”.

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Is it common for HOA to ask you to prove your car registration is up to date?

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

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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

What, if any, were your main complaints?