Buying an investment property on loan with 7-8% interest for rental income Vs Investing in stocks. Which one is a better choice for 10-15 yrs timeline?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Why do people accrue prepaid expenses?

What is everyone doing w/ their bond allocations w/ rates where they are? Thinking of using FIA for this portion until it settles down a little. Not a big fan of FIA, but might make sense. Chu think?

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

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?

What's a good % of your gross income to be spending on housing? Does it differ if you're paying the mortgage vs renting?

Looking for a great realtor with knowledge of East Austin. Any recs?

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

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

How much have you saved from refinancing your student loan?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Well, its a good thing I sold ARKF when it was $55 last year

I am new to the professional world, but I am confused about where I put my money once I have collected my emergency funds, I do not want to do trading but want to play a long term goal of investing, some good advice please?

What credit card do you use?

Do any of you ever think about paying off your student loan in one go ?
Given that student loans in the UK is structured differently than the US (the higher you earn, the more you pay - gets written off after 30 years); at what salary range would you even consider paying it all off?

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Hi Fisher,

I have an offer from Robert Bosch of fixed 25.3 LPA, and an offer from HCL with fixed 27.4 LPA.
Which one is best to go in term of wlb, company profile etc

We started back in August in distance learning mode, core subjects only. So no STEM classes. One of our 8th grade teachers was out on maternity leave, so I was asked to take that spot for the first semester. I was a long time 5th grade teacher, so not a difficult adjustment, except for learning new to me digital curriculum.

I have 2 STEM classes for the second quarter. Still online, so my focus is on coding.

Wondering what other STEM teachers are doing online?

My 2023 media budget was just rejected and I was told I need to cut 20-30%...but our growth goals are 10-15% next year...not sure how upper management thinks we are going to do that without advertising...

Hello all
Anyone have idea about whales cloud technology company?
I have got an offer for expert position in R&D team gurgaon.

Anyone here who has qualified Wings 1- milestone 1? Is it worth the effort?

Appeared for a core track. The content and examination are time consuming!!! and requires lots of effort, where we need to study after work hrs/ weekends, if u are in a busy project!
Anyone here / ur colleagues who got any revision in compensation after qualifying the same?

BCG 🐠, How much salary I should ask for a consultant role? I am an experienced hire from big 4 with 6+ yrs exp.

Does PwC provides joining bonus

I’m seriously enatkng to get into an SE role and have been searching for Associate Sales Engineers that do NOT require SE experience since I’ve none. It’s proving to be difficult. Most companies for some reason are requiring 2-3 years of experience for the Associate role. 😭 Any Sales Engineers who know of companies hiring those with no experience? I am in tech as a BDR already.

Hi Fishes,

What is the market salary range for a Banking and Finance sector(Temenos UXP) developer with 5 years experience and if willing to switch how much can he/she can ask for?

Anyone who recently recruited for Amazon Senior Program Manager roles , what’s the expected TC? Is 250-300k too high a range ? 7ish years of experience, current EM at McKinsey. Thanks!

anyone a part of their local dsa chapter? what's it like? I've been curious about joining

Hi All! What does that mean when hiring manager responds back on follow-up email, saying “I’ll keep you posted on the next steps”Are they still considering or is it just a new way of rejection?waiting is so painful. :(

Hey - any Canadians (valid citizenship or permanent residency) here with valid work experience (post education 2+ yrs) with Unity developing VR applications for the Oculus? Looking to fill some positions. DM if meeting the criteria - sorry no recruiting agencies or consult firms. Thanks

Going from PR agency to a marketing role in-house, tips and advice pretty please!!!

How is Pune Kyndryl location ? How much is head count now ? Planning to join soon.

How much CTC to expect for Team Lead and Solution Architect position in @EPAM (YOE: 12+, Skills: .NET)?

There are advisors who present themselves as a financial planner first and investment manager second. Which one are you?

Do you thank your tenants for paying the rent? A quick thank you text?

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?

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?

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

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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

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??

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 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 here used New Western to buy real estate deals?

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

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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. 

Best way to start wholesaling real estate?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

Can I get a commercial loan without 25% down?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

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”.

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?