Hi! I’m looking to make a plan to buy my first rental property. Where should I start saving my money for a down payment (HYSA vs stock market)? And how much should I look to save up for a starter first rental property? Any good resources in general to get started? Thanks!

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Anyone buying a place during Covid times in Denver? How's it going?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Is there any chance at all that student loan forgiveness could cancel loans that were refinanced with sofi?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Hi all, my office is in RMZ ecoworld. Please suggest 1bhk house available for rent nearby starting from Oct 1

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

On average, what % of your lifetime savings should be directly in the market (MFs and ETFs)? This is excluding 401k, Roth IRA etc

What’s better the S&P or a total stock market index fund?

Thoughts on Transfix? Anyone invested?

New Chase Preferred card received. Any tips on how to meet the minimum spend?

Anyone have a carry payout model they can share? Trying to build a few scenarios

What is the *prime* amount of money to bring you happiness?

Anyone looking for a holidate? 24 M

Anyone wanna FaceTime ?

Not only did OC show up to mediation with zero intent to settle, ending the mediation before it even started, but they also ate our lunch (two lunches each)! This to me summaries my feelings toward mediation, and why I’m generally avoiding it moving forward.

So, got a bunch of questions from a recruiter, first contact. I guess this my first phone/email screen? Do I need to bother with STAR answers or not?

Hi Picking schools right now, any tips? CBS is my dream school. Any chances at M7?

Education:
GPA: 3.0 (2.997) in CS from Northwestern
(1.8 GPA freshman year, 3.67 last 3 years)
GMAT: 770/800 (51Q, 42V, 8IR, 6 AWA)

Work Ex: Started Agri tech company junior year college and sold senior year for a 6 figure sum.

Data Consulting (3.5 years at attendance). Early promotion, and multiple management roles in projects. 2 clubs leader at work. 3 years Volunteer ex in community. Any tips?

How is job security in PwC India?

Which all companies are allowing permanent wfh for professional based out of NCR?
Companies based out of Bengaluru, Chennai etc

3rd year Financial economics specialist at the University of Toronto. Trying to break into either capital markets of financial consulting. Would appreciate any help to get an internship for the summer of 2023

Can someone teach me how to get rich? Dead serious, looking for a mentor that went from having a slightly above average salary to making a lot of money (and no family money either).

How do you feel about "workplace of the future?" I literally can't focus when I can hear & see everything everyone is doing. It's definitely impeding my productivity to not be in a quiet environment.

For those at RJ, can a client fire their advisor and leave the assets at RJ if they want to self manage? Any fees around that?

Heard from me:

“Oh, junior person, you have edits to the monthly activity report 3 days after your deadline to review the report, and after I sent it to the client? How lovely for you."

How supportive are your companies when it comes to taking PTO for mental health days?

What was the hike % last year for a Senior 1 with 2nd rating who didn't get any promotion/progression?

Does the current GSAP agreement say that if you intern at another consulting company it 100% certain that sponsorship is lost? Or does it say “may” impact sponsorship?

I’m reading a GSAP letter from 2018 and in this version it says “may impact”

Looking for a Loft or nice 1 bed in Brooklyn. DM me if you or your friends have lead. TY. Target move in April 1

Any one knows what’s the easiest way to order a radon test for new construction?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

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'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...)?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

Any one familiar with Ocala FL. Does it flood? Would you send your children to the public schools? Is it a good place to live and raise a family?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

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?

Do you thank your tenants for paying the rent? A quick thank you text?

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.

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Any good HELOC recommendations?

Ideally 90% LTV, minimal closing costs, desktop appraisal.

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture