Hey Fishies!

Property owner wizardry required-

1.First home buyer lesson you wouldn't do again
2.First home buyer lesson you would do again

Just keep swimmin' - THANK YOU!

I am buying term insurance from policygenius. For people who have done this. How do you choose the insurance company? AIG is giving me the lowest quote but I am reading online that they have 3x the complains compared to other insurers. TIA!

Shitty restrictive visa, that doesn't let me make money other than investments. Shitty restrictive job, that doesn't let me invest in anything. Shitty restrictive state, that doesn't let me do most investments I can. FML

Why do people invest so much into owning multiple properties? Assuming you have a great pension, why would you want to spend your money later on in life when you are, most likely, less healthy(cont'd)

Salary of £70K, is it reasonable to spend £1550 on rent in north London zone 1? It’s such a great place and checks all my boxes, just want to see if others have done the same and were still able to save

Quick newbie Q - About to fund my Solo 401K and roll my old 401K into it (about 150k total)...does it make sense to wait a few days for a potential Omicron dip or does timing matter here? TIA!

It is easy to see more homes coming up for sale in DFW as the are sitting on the market longer and have seen a lot of price cuts as well.

Question: Is now a good time to buy or wait till Q1/Q2 next year?

I know the saying " the best time to buy is when you can afford" but I am trying to understand the expected market.

For those of you who bought farms during Covid/Lockdown, how’s that been going so far? Been debating if owning a large track of land and having possible income opportunities is worth it.

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

Am I crazy for strongly considering doing this? My Mom decided to sell her house and move down here near me in a tier 2 city in terms of cost. Housing options for just herself with her medical conditions just don't see very great. So we found a new home builder in an amazing location with huge lot sizes that also offer "multi-generational" extensions so my Mom can have her own space and I can still have some degree of separation.

The catch is I'll need to sell my house too...cont

How do you guys have so much to invest in your desired stocks? After maxing my 401k, I can just barely max my Roth IRA. Please no mean KPMG jokes 😞

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

Interested in resigning in April before starting MBA next August, but want to replace at least some of my income over that period. Anyone have good ideas for potential part time income

Left a company recently and they cut my notice short. Left with an outstanding balance from a work expense on the corporate card, is there any liability on me if the balance hasn’t been paid off?

When you travel in what states do you find consumer-friendly tobacco taxes?

Anyone gone from 1900 to 2000 billable hours required? It’s for more money but I’m scared.

Recently started at work, have ~19k in 401K and 25k “emergency fund” sitting in checking. It’s time to shift this fund over to something that generates returns - do you recommend HYSAs or index funds?

Can anyone throw some light avout new internet bills reimbursement added in ssc portal flexi options? Is it just for tax saving or can we also reimbursed interent expenses for upto 500rs ! Also are bill submission required for these?

Also if someone can guide best flexi declaration component that can be utilized for tax saving?

Anyone else contribute the minimum to 401k? Rather invest in crypto.

Has anyone seen any structures for real estate companies where they let their employees invest in the properties they own. Sort of like a stock plan type compensation thing.

How is NTT Data for job security, growth and work life balance. I was asked to work in UK shifts, will I get any allowance for that??

Left a company recently and they cut my notice short. Left with an outstanding balance from a work expense on the corporate card, is there any liability on me if the balance hasn’t been paid off?

Any tips on how to take a relaxing vacation with a 2 year old? Unfortunately we don’t really have the option of not taking her haha.

Random question: looking for some adrenaline-filled activities for a bachelorette party. She's already gone sky-diving and bungee jumping, so those are out.

Anyone have a rec for a ubs wealth manager?

Anyone have experience will switching to solo practice from big law?

Hi Sharks,

I got an Offer from IBM India. My tech stack is SAP Successfactor.
I have two questions :
1) What is the maximum CTC i can negotiate for band 7B ?
2) How is SAP Successfactor practice in IBM ? Are there any good projects?

How do you plan out your dates for maternity leave? I do not want to work up until my due date because I do not want the added stress prior to birth. I also want to give the people covering for me some clear instructions and don’t want to deal with going into labor while still in the middle of managing projects. My company does STD for the first 6 weeks but there is a one week “waiting period” that’s unpaid unless you put in PTO. How do you plan your last day knowing baby could come anytime?

Brown folk
When two families do intros to one another on behalf of their kids how does that conversation usually go

A senior manager once told me something along these lines : Associates and seniors who leave Big4 are just ungrateful.

Absolute circus at the DNC debate tonight. I have no idea why most Americans were clueless on Andrew Yang. Such a missed opportunity.

When you travel in what states do you find consumer-friendly tobacco taxes?

Is AD discount possible on a dj36 (fluted bezel & jubilee band)? If so, what’s general the range? Thanks guys!

Hello. Dumb question so be nice please. Recently joined Amazon and heard of the stock split coming up. How does that affect the shares I was offered for the next few years. Thank you!

How many points for being trapped in a Marriott Autograph collection elevator for 1 hour (currently trapped)?

Does anyone find an attack on the Examiner’s prima facia showing of obviousness a lot more effective than distinguishing each and every prior art reference.

I recently underwrote a reply to final. Didn’t even bother with the references since I just got the case. Overcame the rejections.

Can anyone comment on how effective this is?

To all Texan 🐟🐠🐟, would you recommend against taking a greyhound bus from Dallas to Austin as opposed to flying (one way trip)?

Let’s do a goal setting / manifestation share?

By December 2023, I am age 30 and Have saved at least a 12 month emergency fund ($30K+) and feel secure in my finances.

By December 2025, I am age 32 and earn $210,000 AUD annually.

By December 2028, I am age 35 and have saved the full amount of $850,000 AUD to buy a four bedroom home outright in the Dandenong ranges on private peaceful acreage with my partner and spend my time educating others about personal finances.

🌏⚡️✨

Whats the best property strategy?
1. Home to live in ?
2. Home to rent-vest? (Rent out as an investment while also renting somewhere more preferred location wise)

What’s the fastest way to owning your own home?
Top three tips please and thank you 😉

In todays world does the starter apartment make sense? Or are people gearing more towards small homes nowadays??