I have 100k to my name. I’m thinking of investing in by going in with 3 other family members and buying commercial units. I was taught to rent where you live and own your investments so your not tied to it and restricted. To give context I’m 22 years old, and I see other family members having a headache selling their home. My question is do you guys recommend owning where you live vs renting ?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Anyone recently got a mortgage through SOFI? can you please share your experience?

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

Thoughts on Overstock OSTK since the holiday is around the corner at the current share price ~67?

Newbie quick question - is the 1% calculated based on rents collected, NOT including your own mortgage payment if it’s owner-occupied?

Ex: looking at a 3 family for $500k, let’s say rent is $1800/each for the 2 units, hence 3.6k month, but I live in the other. How do i apply the 1% rule here?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

Thinking of starting and Only Fans account for extra side money. Don’t know what it would be yet though. Sounds wild but my salary barely covers the cost of living and I’ve been living with school debt. Anyone have one on the side? Serious answers only please!

In the same day

Fidelity files for a bitcoin etf
Tesla let’s you buy their cars with bitcoin

Hey 🐠, I’m looking to purchase my first rental property in Charlotte, NC at the end of this quarter. I’ve been thinking about it for the last two years and finally am ready to bite. I have $25k in cash saved up. Any resources you all can point me to so I do this right? No one in my family owns property so i am the first to embark upon this wealth building journey. Any advice will be greatly appreciated.

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

What is the present value of a government pension? How does one calculate it? Trying to get a sense of weather it's worth moving over to Federal.

It’s escrow review season where we all find out our property taxes went up 🚀🌝

How many credit cards do you own?

Deloitte fish: I’m an alum trying to do some retirement planning. I was an SM2 vested in the pension plan (I worked in DTTL for 7 years ending 2013) and want to find out what my actual benefits will be and at what age. I have no paperwork and 800-Deloitte does not seem to have a way to route me to the right people. Does anyone have a human contact or procedure that can help me get this info?

Can one get a home loan from US financial entity after combining assets of 2 people, where 1 lives abroad with no income or credit history in US?

Can someone throw some light on how wallet balance works in Zoho Zoho Corp . Couldn't reach any HR for the info?

Anyone else taking advantage of the no interest on student loans to pay them down faster, or are you more keen on saving the money instead for emergency purposes.

My generation is really f#cked up. It's impossible to save any money. And it's not that I don't want to. Is simply because I can't do it, by the end of the month there is really not much left. I'm exhausted of working to just pay bills 😔 Sometimes I wonder if those people that quit everything to have a better life are really the smarts one.

I’m currently a wire house FA who received assets from a retiree. I likely have 4 years before I’d be able to move my book of business, but I definitely want to move to an Indy channel. When should I start these discussions with other firms/business owners and are there benefits to merging with an existing practice at that time?

Any tips for hard launching partners on social media? For context, I’ve (Indian American female) been dating my white American boyfriend for 3 years and we just got engaged after two years of convincing my parents. They are very happy and excited now, but I’m scared shitless about being ostracized / judged by my extended family and Indian community in the US once I “let the cat out of the bag” on the engagement news. I want to be proud and confident about this but could use some moral support.

Someone teach me how to flirt! How do I let this guy know I’m into him?

why do i struggle when my s/o isn’t texting me? ik they’re not cheating on me, ik they still love me, all that jazz.

but for some reason i’m not at peace when they take some time to themselves.

any tips or advice?

Why does CGI never call me? It has so many business analyst openings, i applied no calls at all.

Any MAnager or SM in this group? Can comment ?

Anyone interested in entry level valuation roles at a mid-market bank, feel free to DM me.

I joined tcs on feb 2022
Recently I resigned, i know it was worst decision to leave tcs early but also worst to join 😁🥲

For the Wharton app, what do you mention for professional awards? Can I mention “above average annual performance reviews and salary bonus”?? Thoughts??

I am a life-long bibliophile. I think this is because my parents read books to me all the time. Do you think this is common anymore?

Full stack developer required for freelancing? Interested than DM me.

What are the rankings for top consulting firms in the human capital space? (Big 3, big 4, +++)

I love incident response, I really do. But I'm sick to death of late night weekend inbounds.

Can anyone share some tips or suggestions for the Sr. Program Manager final rounds of interview? Trying to prepare as much a as possible.

Any recruiters here that do onboarding? Also, to what extent.

When would be the right time for me to get an MBA given my background?

I was a teacher for 4 years and transitioned into the corporate world. I have 6 months experience in marketing and that’s what I currently do, but plan for a lateral move in the future. I’ve seen suggestions of 3-7 years experience - does my teaching experience factor in? Or should I consider the 3-7 years only of my corporate time? Or is an MBA sooner a good move because of my big career transition (and future lateral)?

Hey 🐠, I’m looking to purchase my first rental property in Charlotte, NC at the end of this quarter. I’ve been thinking about it for the last two years and finally am ready to bite. I have $25k in cash saved up. Any resources you all can point me to so I do this right? No one in my family owns property so i am the first to embark upon this wealth building journey. Any advice will be greatly appreciated.

It’s escrow review season where we all find out our property taxes went up 🚀🌝

Can one get a home loan from US financial entity after combining assets of 2 people, where 1 lives abroad with no income or credit history in US?

I own a rental with about 75k in equity. We have no issues with our renters but I’m wondering if it is time to sell. Do you all expect property values to continue to rise or do you think they ....

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

I am looking for an investment property and reached out to a realtor and had a couple of conversations with them and they have sent me the listings and I told them to start scheduling viewings and told them my availability this weekend with the houses I like. They said they would schedule something but I haven't heard back and it is now Sunday evening. I didn't follow up because I got busy, but is it a sign to change the realtor? What's the best way to find a good realtor?

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Is there any YouTube channels someone wants to recommend which are found to be authentic in terms of wanting to follow the current housing market updates? I’ll be a first time home buyer in the next 12 months.

I am in the process of buying my first rental property. What type of insurance do I need? Rental, landlord, condo insurance? A bit confused.

Bought a house with 10% down for 380k. Appraisal came in a 400k but now I’m doing renovations. Completely redoing both bathrooms in the house. Removing popcorn ceilings, installed new AC with new ductwork and insulation, installed a new tankless gas water heater and building out laundry room in garage. Should I refinance after this to get rid of PMI? Current rate for 30 yr is 2.625%. Aka is it safe to assume my appraisal can come back above 435k to equate to 20% equity?

Unwise to offer no appraisal contingency? Going to offer above asking price on a house with multiple bids. Realtor suggested potentially foregoing appraisal contingency to show we’re committed to closing. We have a lot of cash but wouldn’t it be a red flag if the house doesn’t appraise for the full value? How risky is it if we’re only paying 10-15k above asking? Any other considerations? Thanks!

Home depot or lowes for kitchen remodel? Avoid ikea?

How soon can you apply for a credit card after closing on a home? I’m hoping to put renovation expenses on a card to take advantage of sign up bonuses, but don’t want to tank my credit score

Has anyone used redfin to sell a home and save on paying commission? Is it really just 1%?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

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

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

Any suggestions for central NJ housing esp. when it comes to finding upcoming new construction single famiky? Feel like this market needs a correction given everything is 1.2 million or above