How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Taking a gamble here. 25 OXY $16Cs for 4/9 and 25 OXY $17Cs for 4/9. $0.20 and $0.08 respectively. Very high risk but have gains on other OXY trade that I don’t mind risking on this.

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

Anyone else have a M.S and barely making over $20/hr in the healthcare industry? Smh, debating on a career change.

For those of you in healthcare related account management, what is your healthcare background? I am clinical and getting ready to hire a higher level account manager. I am really biased toward people with clinical/in hospital experience because, quite frankly, healthcare is a different beast - lots of hand holding and change management. I don’t want to miss the right person because of my bias, so im wondering how many healthcare related AMs have healthcare/clinical experience… thanks in advance!

Hey guys who are some of your M&A clients? I’m trying to figure out what stocks to buy.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

Thoughts on marijuana investing? Best investments, so like equities or funds?

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

Anybody have strong feelings about BAT? My friend just put his life savings in it, and I’m trying to talk him out of it...

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Looking to buy an 💍. Might make a trip to India in 6 months. Any advice on helping me make the decision to buy in US vs India?

How do you guys go about adding beneficiaries when no body you want to add as a SSN? Everywhere I have seen it, it says optional but I wonder if should I die, they will get the money without the ssn?

I worked the majority of 2020 from home. Office is in NYC but live in another state. Why do I need to pay tax to NY?

This might be a stupid question - is now a good time to rollover the lump sum from ex employers pension to my new employers 401k since the markets are down? Does it have the opportunity to grow more if I do it now, or is it all the same?

Hi Fishes, I recently got an offer from NielsenIQ. I want to understand a few salary components. Are LTA, Car fuel & Maintenance, Meal vouchers, and Internet expenses just for tax benefits, or are they given with salary?

It would be great help if someone can help me understand these components.

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Does your firm find out why you failed a clearance ? Asking bc I got fired from my first job out of college a couple years ago and didn’t report it on it company background check. I’m afraid if I fail my public trust, my current firm will find out and fire me for not reporting it on my prior employers.

how many employees got laid off from zs in recent days and which job profile has been affected the most?

Do you think PERM approval will get faster anytime soon? The wait is awful...

Need referrals. Please Help!

Looking for software development roles in good product based companies.
BTW i can't DM anyone here :(

Restarting my keto journey!! Lost about 5kg the first time I did it last year, then got lazy and fat and now want to lose 10kg!

Anyone have any good realtors in the Greenville SC area who know the VA loan?

Hi Fishes,

I have 7+ YOE as a SAP Functional consultant. I am trying to learn and switch in SAP BTP.

Can someone advise roadmap to transit to BTP? Also how much coding involved in BTP?

If you get laid off when you’re in the middle of an interview process elsewhere, do you tell the prospective employer?

How can I sell my 2 years of clerkship as valuable experience for corporate work? I would like to get credit for at least one year (at least in salary, if I can’t in seniority). I know for litigation they are more clearly valued and linked to that type of work, but I have reconsidered my interests and now am thinking of going into corp. However, I don’t want to feel like I wasted 2 years clerking (which I don’t feel like that, but I have to convince an employer of that too). Any help or insight?

Process chemists/scientists! What was one interview question that you received when you interviewed with your current company? And what's one question you would ask a potential candidate during their interview?

A colleague mentioned to me that they bill self study instead of pto. If I’m utilized at 100%+ and staffed on a client and take 3 days off wed-Sunday, they say bill self study and save pto. Advice?

Ey work life balance

I want to give a Christmas gift to the manager of the gym I go to. She’s awesome and I just really appreciate her. I can’t think of any ideas though! Can anybody think any good ones? I do not know much about her personal life except that she’s a single mother.

I have an H1b which I received in 2019 and was valid till august2021, due to covid I wasn't able to travel and then I switched to another firm last year in November. If I get visa transfer, will it provide me a validity back as I haven't used any on site time on that visa.

TIA

Lost my small business due to COVID-19. I'm now looking for opportunities to go back to a career in finance. I have 3 years of previous finance/consulting experience. Please message me if you can help

Has anybody worked with HRBPs on HR-related issues/mediation/etc within a team? Can you share what role they play and how? Thank you 🙏

Hi all, can anyone comment on the culture at Platinum Equity, in particular in the UK?
Also, what are the different levels (hierarchy) and rough comp? @platinum equity

Can I get a commercial loan without 25% down?

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?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

One way to invest in rental properties is paying the downpayment and any renovation costs using saved up cash. I know folks also use HELOCs. So you'll end up with 2 loans. When do you pay off the HELOC? Personally I dont think taking out a HELOC is a great idea. What other strategy do you use to invest in rentals?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

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)

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

What, if any, were your main complaints?

The threat of nuclear bombs flying over cities should crash the real estate market

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

Is this the right time to buy a house as a primary residence. Everything is above listing price and going up on a weekly basis. What is your recommendation, be on rent for another year or two till the time property price go down or buy a house and save money on rent. Aprox budget is $500k and renting a house for 2200k per month as of now.

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

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!

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...)?

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.