First time potential home buyer, looking for advice. Under what conditions would it make more sense to buy a property cash? And what % under asking price could I offer if paying all cash? For context, mid 30s, single 💁🏻‍♀️, sufficient savings. Looking at a $300k 1BR Condo in Houston. I was considering renting in that building (2500/mo) but came across a unit for sale where monthly payments would be just slightly above what I would pay in rent. And if I buy cash, then the financials look even better.

Whats the biggest tip you have for FIRE?

For me, I think “pay yourself first” is the most important. It forces me to save money first so I wouldn’t need to worry about making a budget for expenses, since I can see how much “disposable” money I have to spend.

I just started this recently. Each month, I allocate $1k of my pay to my brokerage acct and $1k to HYSA (to buy property). I max out 401k and do backdoor roth. And save all my bonus. So each yr, it’s around 70k: 24k + 20k + 6k + 20k bonus.

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

What is EYs 401k match? I am going to interview and found lots of benefits info online but could not find match or best. Thank you.

Is anyone changing their retirement plans based on COVID-19 realities and the future of work.

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Does anyone have any good mortgage broker recommendations that will help find a way to not pay PMI?

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

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?

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

Why does the purchase agreement call for a FIRPTA when no real estate is being purchased?

Thoughts on credit funds? Immediate start offer is tempting.

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

Please suggest some good banks for mortgage rates. First time condo buyer.

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

I’m planning to pull 5k profit and forethought to invest on 5 or more meme coins, each of around1k..Is it good idea ? if yes what should be those 5 or more MEME’s.. TYIA !!

Thoughts on LCA stock?

Hello fishes,

Recently I completed my MBA in IB & IT. And got placed in a ed.tech company through college placement and working as a sales manager. But I am looking for a switch to business analyst role is there anyone who can help in getting a suitable role.

Thank you

Is Outlook the preferred corporate Email service provider?

I am not able to DM anyone can you guys help me!

How's IBM for Oracle Cloud SCM ?

Any insight into the strategy practice at kpmg? I have a friend in the m&a practice who has some contacts they were going to set me up with.

Okay, so I have pretty bad cystic acne, clogged pores and enlarged pores. I’ve been using curology and a mild dermatologist recommended soap. I have seen some improvement, however I was curious if anyone was struggling with it and has tried the “Flo Vitamin gummy’s “ on top of my fertility struggle this really has kinda killed my confidence. I know it’s not specifically fertility related but Was hoping to get some feedback on similar situations

Hello All is there anyone who working as Scrum Master? I have recently started as SM..need some help.
Please DM me.

EY SF has a waitlist for their holiday party?? 😂

Hey street photographers, what are your thoughts of people being identifiable in shots?

My Creative Directors, who are strong copywriters, are really struggling to collaborate with Art Directors. Are there programs or classes that teach creative collaboration and the creative process?

Just found out I’m getting laid off in two weeks. How do I stay motivated to do work until then?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Which data science course would you suggest?
1. Scaler Data Science
2. IIITB course and John Moore University
3. BITS Pilani DS course
4. Leave these course of PGD and go for MS altogether.

Currently having an experience of 2 years and 4 months with experience in Data Science, currently working as a Business Analyst at Axis.

Thinking of studying side by side and upscaling if possible.

United GPU question - if I have GPUs that expire on 1/1/2020, is the expiration the fly day or the booking date? Can I apply them to a flight that takes off after 1/1/2020 as...

I’ve seen a lot of recruiters recently trying to hire for advisory consulting firms that claim they do the work that Big 4 can’t because of independence issues. Does anyone think these types of firms are sustainable or will big 4 find a way around the independence restrictions and take this work back?

Can you mess up taking a deposition? I walkways feel like I don’t know what I’m doing when taking a dep.

In Management/Strategy Consulting practice in big4, has anyone been on or seen someone going for an onsite opportunity in long term project like in US/UK/Europe etc?

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?

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! :)

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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

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

Has anyone here used New Western to buy real estate deals?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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

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!

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.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

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.

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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?

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

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!!

Anyone take the WI Real Estate state exam? Any tips on what to study?

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