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Subject Expert
Visual Storyteller
Thanks!
How many houses/ what total value do I need to bundle them and finance as a portfolio?
Whats investments do desis on H1 do? Bought real estate in India, invested in stocks in US, bought home in US. Planning on buying more real estate (land or house?) in US, but is there anything more we can invest in?
Moving from a miserable IB job for a small pay cut, but I can now actively trade without compliance giving me trouble. After rent & taxes, I’ve got about 10k per month to save; what’s the best asset allocation / distribution for a 24 year old who has a longish horizon and average risk tolerance?
Can I use HELOC for down payment on the second property?
Had my 401k in all VINIX last year, and it served me well. I rebalanced to 20% large cap, 20% mid cap, 20% small cap, 20% Int’l, and 20% bonds. The Int’l diversification is pulling me down significantly. Would you shift that 20% back to large cap or just say it will payoff later to diversify? My IRA is pretty tech heavy, so trying to be mindful.
Pro
People with a Tesla, how much do you make? I have been wanting a Model 3 but it's hard to pull the trigger since I know putting that money into investing or a down payment is much more practical in the long run.
In the market for an affordable car. Should I buy a used car?
Anyone buy more GME today?
Looking for recommendations on good personal finance apps.. have used mint for a while but wife and I are looking for something we can both link all of our accounts together on…need both mobile and web app
Best area credit unions?
Conversation Starter
Next year, my wife and I will make $219,500 between us. If we contribute $15,500 to a traditional IRA, will that bring our MAGI down and make us eligible to contribute to a ROTH IRA as a married couple?
Hi Fishes,Could anyone please explain about the 11000 USD post graduation education assistance given my Mastercard ?
In hand salary please, where do i need to invest to save more on tax.
THREAD: Week of 4 FEB. BOL everyone! Feel free to post what trades you're planning to make this week. Screenshots always encouraged.
starting my first FT job and planning on investing 1k each month. any advice on how and where to invest this money?
Anyone know of any new construction listings or can recommend builders in the greater Boston area? Looking to get into the market for my first house - thanks
Does ESPP make sense? Most companies deduct a portion from monthly paycheck to accrue over a period and then do the purchase at offering end. During this period of time, most tech stocks would already appreciated anyway to offset the 15% discount. Anyone with me?
Do you max out your 401K contribution? Does it make sense if you’re not sure you want to live in the US until you retire?
Hey fishes, any good NYC tax person you would recommend that knows their way around freelance deductions? Bonus if they have experience with an S-Corp.
Can we add gym membership to get refund or add it to reduce taxable income?
Business consulting - EY. I finished interviews and it seems the team liked me. The recruiter said they are discussing with regional leadership for approval and would give me an update by last week; still no update. Can I consider this as a rejection? Lol
Bowl Leader
How are you all feeling about going into the holiday season while being remote? Missing the company holiday parties, or happy to be able to do your own thing?
Does Capgemini approve transfer on marriage ground? have not completed 1 year in the organisation yet...
How do you respond to an email where someone introduces you to another attorney for mentoring purposes? I'd like to reply back thanking the person making the introduction and asking the new attorney if they have availability to tell me more about x, y,z, but she hasn't actually agreed to even talk to me yet, so it feels overly forward. Am I overthinking this?
Enthusiast
Waiting for Biden’s news on the student loan pause…. Can we get an answer already?
I have an offer from Wipro pune (Hingewadi) for International payments division. Wanted to check on the culture, work timings? Any pointers to keep in mind.
List the name of the companys which have PIP policy?
The biggest spot I'm interested in within tech is Fintech (by a good margin), but given the current environment (layoffs), I'm a big worried. Guessing I should be looking at late stage startups / large banks?
anyone know about dbs project?
Rising Star
Was thinking about moving to Richmond, but after yesterday’s election results, no way Jose.
Do you guys do two a days when traveling? I.e. AM cardio and PM lift?
Just got into a full time grad program for international affairs that starts in January of 2021. (completely changing careers). I need to stay working at my firm until then and possible after to get the billable hours for my CPA. I passed all 4 exams and I refuse to give let that go to waste...... how do I tell my employer I'll be going to school in a way that they'll still let me work part time? Extremely nervous they're just going to let me go.
Been listening to this podcast steady just to pick up little tidbits here and there, and would hiiiiighly recommend
Chief
Have a laughhttps://www.theonion.com/you-go-back-where-you-came-from-says-texan-pointing-1846280081
Seeing how the environmental problem is growing in the world and nobody is doing anything to stop the pollution of the big nations (China, USA, Russia), it makes me think as a mathematician that our days are numbered.
Anyone within PWC people and organization practice willing to offer a referral? Have 2 YOE and see a posting that matches my background. Happy to chat further!
Best cocktail and why?
Best Italian in lower Manhattan? Decent-sized portions only plz
Any recommendations for part time masters program in analytics or data science in Chicago? I have 9 years of experience.
I am relocating to Charlotte NC November 30th and on the career hunt . I have experience in HR, hospitality, social work, customer service, and education. I’ll graduate with my Master of Social Work in May 2023. I’ve been applying to a few things but no luck. I’m open to trying new career fields and to hybrid, on-site , or remote work. Please point me in the direction of a great opportunity!
Thinking of dipping my toes into real estate and wanted to see if anyone has any books/ podcasts/ courses or even any tips or advice that you wish you had when you got started? Goal is to diversify my investments past the stock market. Any help is appreciated!
Anybody know of a website where I could see rental vacancy rates, historical trends etc. if I am willing to invest in a specific zip code?
Anyone have experience or perspective on whether or not real estate investments are a good hedge vs inflation?
What are the biggest tell tale signs of when an area is going to boom? Know it’s prob a silly question but trying to understand the indicators out there that determine a good apt building play?
Looking to upgrade my backyard. Anyone ever used Yardzen before?
Planning to bid on a house - 1.3M, with a base salary of 210K - in Seattle.. Worth it?Don’t have any other debt - however this expensive mortgage would take half my monthly salary (post tax)..Really nervous
Does anyone have a good practical guide / book on getting started with small multi family real estate investing? I’m in Canada and am looking to avoid hype books to get to the practical need to know details. I have between 250-350k to invest and looking to scale as quickly as possible
Best and cheapest tenant screening services out there?
Looking for a broker to sell a small retail business in the Chicago suburbs. Where does one start? Any referrals?
Question: we’re in the process of closing on a personal home that’s a new build. If we use the preferred lender, we get $5k in closing costs. Can I close with the preferred lender and turn around and refinance with a different lender? Will I have to pay closing costs again?
In a long term rental, is it common to put in a clause that says the tenants should get the place cleaned quarterly or something? I'm renting out my place, a new construction that hasn't been lived in, and want to mitigate it being a total train wreck at the end of the lease in case they are messy.Thoughts or suggestions on how you all handle this?
Hi All, How much additional saving $$ needs to be present in your account during closing to successfully approve loan. Let’s say if mortgage payment(principle+interest) is $3500 and prop tax+mellarose is $800 per month.
Looking at two identical condos, each 1900 sq ft, however one is a duplex up and the other is a straight condo. My preference is to go for the one that doesn’t have a split level as it means the space is (or appears) relatively larger. However, the duplex up is going for quite a bit more so was curious which would appraise better and which would be preferred by most buyers since I plan to sell the unit in 5-6 years?
Hi all. I’m looking for houses as primary residence. Some need a lot of work, including taking down walls (potential load bearing) and reconfiguring kitchen. Who would or could I talk to first to get a sense of how much a remodel on a particular home would cost? I want to make sure the possible reconfigurations work for me and are in line with my full/overall budget. Would I go to a designer first? Thank you!
Fishes, I need some advice. After 8 years in aviation I like to pivot back and work again in Real Estate Investment, preferably for a REIT. All my education is international in legal, RE, taxation and I have 8 years work experience. I started about 6 months ago to apply, and either I get a no thank you we need someone with more current experience - or no thank you, you are over qualified. 🤷🏼♀️
Do Plumbers generally charge a fee just to come look at the problem and provide an estimate? I called a couple of plumbers and they are asking for a 50$ or 75$ fee just to be at the door and give an estimate, the fee will be adjusted if I give them the job.
Do you use drone photography and videography more frequently? What kind of prices are you paying per property? Do you guys use matterport virtual tours?
Yes. It really comes down to the person / team and the type of investments.
Fun fact: lots of Ponzi schemers started out as syndicators.
Thank you!
Subject Expert
Yes. What are you curious about?
Visual Storyteller
Curious as well. Is it giving a good cash flow PM1?
Thanks!