Hi fish fam! Need your advice. I am currently in contract for an investment property, closing in 3 weeks when i (under no excuse) learn today that the HOA has a rental limit and if limit is met, you will go to a waiting list. I am reaching out to the mgmt company to get more info (e.g what the limit is, whether we are above or below). But i want to hear if you have run into this issue before and how you resolved it. I mean we can still walk away (minus the earnest money)

What percentage of your income do you save, invest and spend?

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

If JetBlue moves my departure time by 3 hours can I get a credit card refund or only travel bank?

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

In your opinion which is the best target fund to choose in IRA Roth?

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Does anyone think there is long-term viability in Cryptos?

How does the housing market work exactly, like, what determines whether prices go up or down?

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! :)

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Hi all,

Does Here Technologies offers employees stock purchase program in India, do they provide stocks with regular offer/bonus??

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Base is at 180k, after tax, insurance , 401k and ESPP (max out), my bi-weekly pay is only like 3600 (like 8000 monthly). Can people really save this kind of money, or most people rely on their stock appreciation?

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

How much are you contributing to your 401k?

What companies do you recently regret not investing in?

Waiting to hear from Novartis on a job I interviewed for 2 weeks ago. They emailed me a Conflict of Interest Form to sign last week, which got me thinking an offer was coming but I'm still waiting. Thoughts on whether this form means anything? I daydream about quitting my current toxic job :/

Any one here from magneti marelli account?

Anyone else here have terrible utilization because their deals die and a code never opens? /can’t find another code to book hours? I’m sitting on over 200 billable hours at this point

Does the sf office have lockers?

Anyone recently joined Optum in India? Did you receive welcome gift?

VENT: I feel completely demotivated after our new FOW announcement and it gave me whiplash. Working here has been a dream, so it feels weirdly hurtful to be publicly celebrated as part of the “expanded talent pool” in announcements, but be told privately that my return to the office will be accompanied by a massive pay cut because of where I live. I didn’t choose to live here/move, the company chose ME where I’m at. I feel like I don’t belong because everyone else seems happy with this.

I have an offer for a Director of IT Compliance role. Small/mid size company and in MCOL, I have +12 YOE. Base salary in the offer is 160k and annual bonus 20-45k (depends on company performance). Any thoughts on the offer? I’m inclined to ask for a base of 170k since not in rush to change jobs.

I recently got promoted to Assistant Account Manager after being at an agency for around 6mo. I enjoy the people I work with but I realize that I want to pivot into a more creative/strategic role. Does anyone who has made this pivot (or know someone who has) have any advice?

Renting out a covered parking spot in Southie, W Broadway, close to Lincoln. DM if interested

Do you always wash your hands after petting your dogs? I got a new puppy and am constantly washing hands and trying to be as sanitary as possible. I'm simply to grossed out if I don't especially since I found out my puppy has worms.

Do yall worry about having confidential items "displayed" in public? Should this be something I'm considering when working in an airport/on a plane?

What you should do when dealing with a very toxic worker that keep on sending passive aggressive messages to you as well as in group chat and email.
Things like when you answer his question he respond: I know that
Or when he keeps on saying my change requests were just minor in group meeting but actually not.
And keep on saying how hard he works when he clearly wasn’t and already underperformed compared to an intern level.

How to not let this toxic co-worker not poison me any further?

What’s the best/simplest way to understand Sets vs Groups in tableau?

Folks applying for Data and Analytics roles in the industry at M, SM, D Levels, what technical/functional topics do you prepare for on the Analytics side?

Can someone add me in another Paytm bowl

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

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...)?

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!

Hi - any good books recommendations for getting started on real estate investing?

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

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

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.

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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. 

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)

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?