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?

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

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.

any suggestions on where to rent? preferably manhattan downtown or midtown. budget is ~2.1k or so. priorities are having a doorman, elevator, laundry in building at the very least

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

529 Plan: For folks living in no-income tax states (Texas, Florida etc) and have 529 plan. Did you go with a brokage acct( Schwab, fidelity etc) or just a state plan? If you went with a state plan, what state plan did you go with and why? Thanks

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

I have two mortgages, one at 3% and one at 4.25%. Is there any benefit to paying either of them slightly higher than the minimum payment requirement (ie, maybe like $200/month more)? Additional factors to consider, my HYSA currently yields 3% and I am looking to buy another property in about 2 years and would prefer to not sell the either of the two properties currently on mortgage.

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

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?

I'm remodeling my apartment and am debating on heated floors (kitchen and bathroom). Worth the spend?

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

Anyone heard of the Select Card?

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

Is anyone planning on trading water futures?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

A frustrated colleague asked for help with a difficult prosecution. I agreed to help. I just reviewed up the case and the examiner is combining NINE references. I think that’s a record for me. What’s your record for most number of references combined?

Hi all!
My mother in law got scammed by a con artist from the UK online and lost $7K (damn you Facebook!)

Her status in the US is currently complicated and she doesn’t have a green card(tho she’s working on it), my wife(her daughter) is American.

I want to report this to the FBI’s elder fraud department but I don’t want to complicate her situation even more.

Does anyone know if criminal stuff like this and immigration related things are separated?

What is the starting salary for a tax senior? 😅

Anyone from VMware.urgent please

Hey all! Looking for a part time side gig I can do working from home in addition to my full time job.

Can anyone refer me to the Starz/Lionsgate Legal Affairs, Counsel role? I’d be happy to send you my resume first. Thanks!

Best way to start wholesaling real estate?

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

PPMDs, what tips you would give if your client is a Member Firm? I am an incoming project manager, lateral hired from industry. Please share your thoughts about how to make an impact from day 1.

In my notice period in TCS decided to hunt for interview in other company after one month, within 3 months i should able to get any offer letter from companies.m I doing the right thing,any openings please let me know guys.

Need some urgent help can anyone DM me, Please

Hi everyone,
One of my friends, he made a switch just 6 months back hoping he would get a better work environment a better package, but now he is just frustrated with the working environment, being a backend developer he has been asked to just fix bugs for almost 5 months now and that too in javascript without any KTs or any other trainings when he clearly did mention in the interview that he does not have prior knowledge on javascript.

What should he do? Any suggestions?

Anyone knows good stand up comedy places in Miami?? Thank you in advance!

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. 

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

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?

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!

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

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

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

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

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!

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??

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!

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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.

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)

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

What, if any, were your main complaints?