Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

What are the realistic alternatives to coinbase? Fees seem outrageous.

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

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

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

NYC struggles: 1st paycheck to rent, 2nd to pay off credit cards. Almost none for savings. Maybe it's time to rethink my lifestyle of drinks and debauchery ✌️

ETC is my fave <3

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

What are 72 and sunny and droga benefits? Looking for details on 401k like vesting periods, matching etc.

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

Have about 5k in stocks I was saving to put down on a house. My portfolio just evened out after the march fall. Looks like i may not need this $ to cover the payment now, should i leave it in or pull?

Best options to get loans for a studio start up?

Can your spouse be employed in Google and getting RSUs?

I told myself I wasn’t going to do it. Re-assured myself I wasn’t going to do it. Told myself you’d know what would happen and still ended up gambling away a bunch of money I know I couldn’t blow. I don’t understand.

The lease on our existing bmw 430i ends in August. Looking to buy model 3.
1. When should we place the order?
2. What’s the best place for financing?
3. How much should we put down initially?

Anyone in the public finance space familiar with distressed/high yield muni funds? Outside of the classic closed end asset managers?

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

What would you recommend someone starting tas (campus hire) early next month do to prepare. I am CPA eligible, but not sure if I should spend my time on that or study finance or just relax. Any recommendations?

Can one switch from Deloitte India to Deloitte USI ?
If yes, what is the process?

Hi All,
Need some suggestions, I'm currently working with EY GDS as full stack developer as Senior Associate III with 7.3 years of experience.
Current CTC: 30.5L (24 fixed + 6.5 bonus)
I'm looking for change now which companies should I target to? who can give me atleast 45-50L with job security.

Any suggestions?

Anyone seeing big declines in FB/Insta performance? Across several clients we’re seeing CTRs or other ad engagements dip starting in July.

Anyone gone through Amazon AWS’ military apprenticeship?

It's March, and I have done a lot of seminars in Jan and Feb. I've gotten a few clients but would like to increase AUM drastically! Any books, sites or advice on what I can do for marketing?

Best books you read this year that aren’t about sales, marketing or prospecting?

How is Xoriant pune for automation testers? Also how is job security in Xoriant as one of my knower is on bench since 3 months since joining. He is worried. Guys Please suggest.

any recent stamping experience in Canada?

Any hot leads on Workers Compensation roles?

Any good outside activities (math related) that I can do? I have Nerf guns and remote control cars I could use.

I’m preparing to teach division with decimals. Our math program doesn’t have manipulatives for the concrete representation. Suggestions how to have students understand dividing with/without decimals?

Any interest in doing a daily reflections thread? In the spirit of rotation one of us would be responsible for posting the link and kicking off the share for a month at a time??

Had my interview on 12th Feb evening. The same day late night I got an email asking to upload the Application form( Completed the same on 13th Feb). Can I understand only HR discussion pending for me? If yes how much time will it take for me to get the HR call.
Thanks in advance.

Ia it good to join EY GDS in consulting service line?

Are u supposed to tip the luggage carrier/ outside agent the airport? this is the guy who is outside your terminal, he prints ur tick, tags your bag and sends u on ur way. No, right?

My fiancé’s family has a vacation planned at the end of June in Florida (small beach town about 45 mins from PCB). We’d be flying from California if we decide to attend. His family doesn’t seem concerned (ugh whole other story) and the “rules” in Florida are relatively relaxed now (restaurants open etc). I want to go for sanity reasons, but feel like it seems foolish too. What would y’all do? Just wait and see?

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

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

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?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

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!

What's the best city in UK to buy a buy to let property, with best returns?

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

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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!

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

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?

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?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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!

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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?

Can I get a commercial loan without 25% down?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.