I currently have a rental that I locked in a 2.5% rate for a few years ago. It cash flows about $700/mo and has about $136,000 in equity.

Would you keep the rental as-is or do a cash out refi to buy another rental? The current rental probably wouldn’t cash flow the first 2 years after the refi.

Richmond, VA market if that makes a difference.

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Best way to transfer money from US bank account to Canadian bank account? Transferring offices to Canada and want to learn what is the best / most cost effective way to do this. Thanks!

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

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

What is the best way to invest in IPOs.

Let's say through a combination of aggressive saving, high income, and savvy investments, I manage to save several million by the time I'm 40.

If at that time I decided to pursue my passion and go to law school so that I can be an affordable attorney for worthy causes, will my age hold me back from getting into law school?

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

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?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Happy Independence Day🇳🇬🇳🇬🇳🇬🇳🇬🇳🇬🇳🇬

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Hi folks,
I have a question related to PF online account. If we move to a company that has PF trust, can we see the PF gathered from that company in the EPFO portal?
Can some one help me understand this?
Thanks in advance.

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

How much should I contribute to a 401k?

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

Tips for how you’re accumulating wealth with absolutely no financial inheritance/intelligence from parents? I want to retire early but am late in the investments game. I have a Roth IRA invested in a target date fund, max out my HSA and invest in REITS and ETFS, and contribute more to 401k when I have leftover $$. What do you guys do? Am i missing any smart moves here?

Send it 🚀

Hey, what are the future scopes for DAACs. what are the general roles DAACs apply to/get after ZS?

In wirpo, we have a policy like, employee can claim around 15k every year for medical reimbursement.
Does Ey has such medical reimbursement policy? If so , how much an employee can claim per year?

How’s attending the ALPFA conference in Vegas?

Hi all, please listen to "Somebody that I used to know"
I'm just on loop. Very old but nice song.

That moment when you realize you did not press Ctrl-s and kept working on your excel sheet for hours 💻 📊

And then.. *drumroll*

it effing CRASHES...!!! #FMFL

🤦🏻‍♂️😖😣😡😤😩😫

What do you do about your house plants if both you and your SO are out of the house for an extended period? I could move some of the smaller ones to friends, but there are planters that are attached to balcony and patio. Any ideas 🐠?

Currently working at an advertising agency that specializes in pharma and looking to move to Austin in a few months, any similar agencies people would recommend?

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Hello All,
Anyone having vacancy in Network Security or willing to refer in your organization? I have 10.08 years of relevant experience and currently working at Coforge, Noida.

Greatly appreciated!

Do we have access to learning platforms like Coursera and udemy or anything else? Or do we have an option for reimbursement?

Any recommendations to get through L2 FSA? The materials are so dry....

This season is pretty crappy from a story perspective. Right?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Hi Fishes,

What is the scope for a HR job in Singapore. Preferably wfh and what is the salary range?

I'm working with EPAM, 7.8 yoe as dot net full stack with ctc 26LPA.
Fed up with my current tech stack now project want on call support over weekend. no one knows project. No one is supporting.
Thinking abt current situation I'm bit worrying.
Somehow given interview in EY and selected. HR ask me CTC, NP and expected CTC. I told 20% and 60 days NP. She said, will check with business and get back to me.
It's been 3 days no response, when I called her today she didn't pick. Is it normal in EY?

What’s the fastest way to get to 100k+ GBP in London if I’m an M now at PwC? How should I exit / play this and what jobs pay that? For context, moved here from the US and ended up taking quite a bit of pay cut. Have a CS background.

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

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Is it common for HOA to ask you to prove your car registration is up to date?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

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

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

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?

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Any Property Management recs in Seattle area? :(

Best way to start wholesaling real estate?

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?