I have a variable 9.2 heloc with my local bank. Don't want to tap into it anymore, just need to pay it down. On year 2 of the 10 year interest only draw period of the 30 year loan. But it's so high it's a struggle getting the principal down. I found a 7% fixed heloc at a local credit union I might qualify for. It's only 20 years so payments wouldn't be much lower but at least they'd include the principal. Seems too good to be true ? Thoughts? Any cons?

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

In your opinion which is the best target fund to choose in IRA Roth?

I started investing in Vanguard Mutual Funds and and did some research online today and it seems like we can’t do that and it might not be halal. Does anyone have any insights here?

How do you calculate IRR for a write off? Is it just 0% or should it go negative? There’s no cash moving after the initial investment so not sure what to do.

Best options to get loans for a studio start up?

Anybody having experience good/bad about investing through Wint Wealth? Seems like a good way to diversify the liquid portion of the portfolio......if I am greedy this looks better than those liquid funds and a 100% safer than those too.
Also what independence disclosures will apply after the NSDL being made mandatory brokerage account....for Wint Wealth related investments

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

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?

Anyone have a recommended tax person in Chicago?

Roth vs Traditional 401k, thoughts?

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

Make $80k a year, pay $1,440 for rent, haven’t grown my savings in 2 years. Is it me, or Sf?

Hello,

I am filling itr for the first time so I'm a bit worried, as I bought some coins in exchange transferred to metamask, then swaped coins, the later transferred the coins back to exchange. Now I don't have the metamask address, so i dont know the transaction i did.

While filling itr do I have to disclose each trade or just the net profit?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

If the stock market sees a downturn would there be a selloff in crypto b/c income effect or more $ in due to 'safe haven' like gold

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?

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?

Any designers working at IDEO? What’s the work-life balance like? Always been interested in the work but wonder what working there actually is like.

Hi Fishes,

Can someone help me with some information about Deals strategy team at AC Bangalore. How’s the work, environment and pay?

Anything will help. Thanks

Which is best to join between PWC AC Bangalore with permanent wfh and NTT Data business solutions with hybrid work. Salary is almost same : NTT data - 24 LPA fixed and no variable. Where as PWC 21 LPA fixed with upto 20% variable. YOE is 7 years in SAP SD functional consultant.

please help me how to apply performance test engineer jobs in nagarro please let me know

Any pointers for interview process of Staff Engineer role for python developer having 8 years of experience? How many rounds of interviews? Will there be coding test? Any help would be much appreciated.

Looking for regulatory and statistical reporting roles within Pune.

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

Usually how many days/weeks will take to get the interview final status. I have submitted all the docs in portal it shown as review in progress from a week. Not received any call fr hr

Re-invited to interview at BCG but also want to cast a wide net and apply for Mck and Bain. However got rejected last year this time at the resume screen stage. I’ve changed firms since I last applied (to a well known boutique) - is this sufficient or am I still frozen?

I've decided to leave public for an Accounting Manager position in private. What are the different types of companies to consider and the pros/cons? What are the best ways to get the position? I'm leaning toward GL accounting at a publicly-traded company. My background is 3.5 years audit and 2.5 years technical accounting advisory.

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?

Interviewing for an SE position and have my final demo in a few weeks. Any trailhead modules I should check out to get more prepared/confident? Thank you in advance!

What’s a good out from RA? Thinking about moving away from audit/accounting

How do we get them to shorten the consumer ISI? It serves no ethical purpose and physicians hate it. Here’s my version:

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?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Has anyone here used New Western to buy real estate deals?

Best way to start wholesaling real estate?

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. 

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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?

Can I get a commercial loan without 25% down?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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??

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?

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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?