Hi 🐟
I am beginner in real estate investing. Liv in a rented apartment and looking to start with a Condo, with a goal of staying there for 2 years and then renting it.

Would love to get some words of wisdom from this group. Specifically on:

- Any recommended books to read before jumping into it
- Is there a free excel template that I can use to analyse deals
- How to find a good real estate agent in my area

Thanks in advance!

Me and my parents are first generation immigrant and don’t have a lot of knowledge around 401k, outside Roth IRA. Any helps sites/youtuber to gain more knowledge? Currently putting 10% into my 401K while making 85K

Has anyone read the book Divorce the IRS by James Miller? I recognize that it’s a relatively new book so not that many people have probably had the chance to read it. But my mind is blown. Should I be pursuing a Roth 401k and not traditional 401k? It seems that even if I retire early, the Roth 401k provides way more tax advantages than traditional. Am I missing something?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

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

Partner just graduated college and is insisting on saving her income instead of contributing it to 401k as stocks are too “risky”. I know it’s not my money but this sounds like a recipe for deep regret in the future. Thoughts?

Can I use my Amex plat to pay for significant others TSA precheck?

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?

Singapore vs Bengaluru

Being a techie ,I get (startup) SGD 175k pa [EP], new offer Bengluru 75L pa (fixed) reputed bank

I am trying to figure out following things

Education : I have 2 kids (5y & 1y) , International Primary School comparison

Value:Is the Indian salary of 75L good for 15 yoe ? 

Financial :I believe tax is a major pocket holes in India , as is rent in SG,  but although rents are high in SG , it compensates with the tax in India for only 1 person ,couple pays twice

My husband makes more than me, but we usually pay 50/50 for all our expenses, including kids. Yesterday, he started a conversation that I spend too much $, that is why he cannot save enough. I maybe spent on my staff $2,000 a year, which, I believe, is very mild, and this is from my salary "leftover ". He, on other hand, spent more than 10K for vacation with his sister (without me), plus lost 20K on the market. I am very upset, and do not know how to handle this situation. Any advice?

We are a family of 5 and we are outgrowing our current home with kids growing, having more stuff, husband and I wfh for the most part. We definitely need more space. We live in CA and decent homes in our area starts from $1.2M - $1.5M. We only have 80k cash. Where do you get more money for downpayment without touching 401k lol and hoping we can turn the current home into rental to help pay the bills.

Maxed my 401K out for the year with 4 months to go. Not entirely sure of how much extra money I will be taking home, but it should be a decent amount. Wondering what to do aside from the standard “dump into index fund” now. Could prob do something a little more risky. First time this has happened this early. Thoughts ?

Is it possible to make a million in any sales position? I see so many classes and books on how to be a millionaire by selling. Seems like BS.

I feel like I’m at the point where I have too many credit cards and it’s becoming difficult for me to manage to optimize points. Should I close some of them that I don’t use (because I have better point options on my newer ones)? I don’t want to ruin my credit score by decreasing credit limit but I also have a few which I pay $95/year but definitely do not use at all

I’m considering switching my focus to real estate but want to refresh myself on the subject. Any books or other publications you would recommend?

Financial services auditors! For private lending investment companies that originate and then sell a participating interest in the same 1st lien/position loan to a 3rd party borrower, does the question arise of disclosing the loans gross vs. net on the financial statements under ASC 860? If not, how does your firm overcome the consideration for investment companies?

Looking at a few homes in the Seattle area and thinking of (possibly) buying a houseboat. Does anyone know if these are harder to get title insurance for?

Can anyone refer me in @Providence, @cyient pls?

Fishes, what is nextwave competition. I don't even remember registering for this event but today i received a mail stating that i have to attend the program. Any info on what is this and what is done during the competition?

Has anyone found that not using PayPal decreases conversion rates? Weirdest thing ever.

With the unknowns throughout the pandemic, I am dealing with people at work all with differing opinions on the workplace who all feel their opinions are equally valid. Some days I feel like my title should be changed to VP of Cat Herding. I can’t even get a Does anyone else feel that way? What’s more, as complicated and difficult as the past 12 months have been, I think the next few months are going to get increasingly complicated. I’d love to hear how others are handling the stress.

Has anyone done a rope course in the area or Virginia? Recs?

Looking for a therapist in the Virginia area. Need help and tools to deal with anxiety and resentment. Insurance if it matters is Anthem BlueCross BlueShield.

I work in Florida where the Parental Rights law concerning gender theory and sexuality in k-3 is currently being labeled the "Don't Say Gay Bill". I find it crazy that so many of my liberal coworkers, even in the social studies department haven't even read the bill and are just buying the low wholesale. I agree that we should leave those choices up to the parents. Do you guys have similar things happening where you're at?

Wearing joggers in the office. Who does this?

Anyone receive a Certified Divorce designation? I'm surrounded by divorce lawyers and have received many referrals.

I’ll go first. Ogilvy had me jump through many hoops, ghosted me, called me back a year later for more interviews, then ghosted me again.

Which doggy daycares do you all use and what do they run you? Getting back to the city soon and got a new friend with me :)

If you could start your MBA degree over what would you do differently?

What is Google like to work for, in house?

Considering a move from a V100

20% utilization gang wya?

Looking for some advice on a career change. I work in a technical role and have well-developed soft skills. I want to transition to UX (w/ focus on accessibility). There are a lot of UX educational programs out there, some very new, e.g. Dribbble, and costs are all over the place - General Assembly is $15k (and full-time), CareerFoundry almost $8k, and then many others at a fraction of the price. Reviews also vary wildly. Are these more expensive programs worth the huge increase in cost?

What procedure(s) at a current or past job help make the work the best it could be and could you not do without? (Cont.)

I need genuine pieces of advice please. I’ve been on a project that have brought me a lot of stress and lately medical issues, I just had another panicky attack today where my left side was numb for a good hour and my heart was racing. My husband asked me to quit but idk why I am afraid. I have a 1 year old baby that I am taking care of as well. The PM on the project told me that she would roll me off once she finds a replacement but it has been 1month now that I am trying to keep my head up ctd

On the org chart, to whom should a GC report? I work for a fairly large nonprofit, and have been fighting this battle for months. I believe the appropriate place is the Executive Director, or in second place, the CFO. But I’m not under either. What does this look like in the for-profit world?

What should be a good offer in the current market. I like 2 houses that have a listed price of 380-400k. Is it reasonable for me to offer 8 to 10 percent below the listed price.
First time home buyer here searching around the dmv area!

Hi All, what’s the best deal you were able to get from a realtor as a seller? I am looking to sell and want to minimize commission payout

For investors, at least two takeaways from this are more people are buying pricier houses. A second is the less expensive houses in the $100k to $250k range is appealing for those less qualified.

Hi, need some advice because very new investor when it comes to owning personally versus LLC. Currently own my home and planning to purchase two lots of land sooner rather than later. With three real estate assets under my arm, getting a little worried about having them all under my personal name. Should i create an LLC and purchase the lots under that name? Should i transfer my first home?

I hv an option for media room or adding a extra bed room with full bath, both will add sqft to ~260sft on top of base 2710sqft.
Should I consider media room or bedroom considering resale value down the road ? & also which one would add more appraisal ?

What’s the reasonable range for real estate attorney fees in New Jersey?

1.35M house with a 300K down payment .. worth buying?
TC: 350K

Also, is 10/1 ARM mortgage better than 30 yr fixed? Factors to think while deciding ?

Has anyone here used redfin to sell their home? Was it a good experience? How much commission did you end up paying? Was it a quick process in this seller's market? How much did you have to be involved?

I have a new build I want to sell, would you recommend going through them?

Hi. If a bank preapproves you for $600,000 for an investment property mortgage. Can that money potentially be used to purchase three (3) $150,000 investment properties? Thank you.

Looking to help my parents buy a place for rental income. Have $250k or so in cash. Property is probably going to be $500k to $700k. They don’t currently have a lot of income, so I’m not 100% sure they can get the mortgage. Can I co-sign the mortgage for them?

Sales & leasing agent. Is this salary or commission based?

What are investment property rates now? Live in NJ but looking at potentially buying in Phily. Budget ~300k

Does anyone else think that central air is actually not that great? It’s noisy, and not sure how clean the air really is. I think I miss radiators.

I have so many things that I want in a house. Open layout, high ceiling, nice view from the backyard, prestigious neighborhood… one thing that I surprised myself with is that I want a house in a prestigious neighborhood, even though what I can afford is the entry-point price in this neighborhood. Am I being irrational?

Has anyone used homeroom? I saw their ad today it looks interesting. They are offering end to end services. Basically they help you find a rental property, close the deal and then you lease it to them. They will provide monthly rents to you.