I have my primary home plus a vacation home we quickly turned into an investment home. Can I get financing as a third home as a vacation home or would they typically just assume it’s an investment property?

Hi all - amateur investor here who somehow started getting in the market right as things took off. I didn’t pay rent this year due coming back home after COVID so had a lot of extra $ to invest. Currently maxing my 401k, Roth IRA, and ESPP. Not maxing HSA but contributing $3k, so close.
After this, I have a $500 monthly auto investment into a vanguard fund & have been intermittently buying stocks on Robinhood.
What else should I do with any extra cash I have?

I'm moving back to blighty, want to be commutable to London. Need a family home, yard for dog, etc, where would you go if you could? Max £400k for a house, good schools. I used to live in the southeast but priced out and feeling overwhelmed with narrowing down. Thanks!

Currently debating if I should pay off zero interest debt or put the money in index funds instead? The debt is only zero interest for about 10 months or so. My concern is that the stock market might crash when it is time for me to pay it off because people say we are in a bubble right now. Should I just pay the zero interest debt first?

Anyone find it funny Taleb is out on bitcoin when Bitcoin is Antifragile and it’s creation was a Black Swan event? Idk trying not to be Fooled by Randomness

Show of hands, who was outcast from their 1L social circle once everyone found out they were low income? 🙌

PwC fish: do you get an Amex for travel or another card?

Dear GME millionaires,
After Citadel goes bankrupt please dump your millions into the following value plays: LMT, NOC, INTC, IBM, QSR, and T.

Thanks!

Have you done a background check on yourself? Why/what error or issue did you find?

Hi all,

Does barclays allows change of pf amount or any other allowance change according to tax benefit

First time Vangaurd investor. How does my split look? 10% Vangaurd total bond; 25% total international stock; 50% total stock; 5% 500 index trust; 5% real estate; 5% small cap. Feedback welcomed, hoping to be more aggressive (36/year old for reference)

If I resign in December and get paid my 2 weeks of unused vacation days will I also get paid for unused sick days?

I'm switching jobs and considering whether I want to roll over my 401(k). I have about $220k in my plan. Considering rolling it into an existing Fidelity IRA with a balance of about $50k. Since October of 2020, I've paid about $880 in "plan administrative fees" to my 401(k) provider as well as the fund expense ratios.

It looks like Fidelity does not charge administrative fees on IRA accounts, so that seems to make it a no brainer, plus the investment options are much broader.What am I missing?

New to crypto , want to sanity check 2 things:
1) Going to put 10k into ETH (despite dip). My attitude is treat this as money I plan to part with; don't think about it until 2-5 years and don't get scared with more dips... right?
2) Coinbase vs Robinhood: I still don't get the "ownership" element. I can avoid fees by using RH, but I don't fully "own" crypto. Apart from security, is there a financial consequence? Will fewer people buy my crypto on RH in the future bc it's not "owned"?

Does anyone have ETF recommendations for someone around late 20s?

Let's have a healthy discussion. Propose or oppose the motion that Amazon should pay the head tax to help the homeless (because apparently, wealth causes homelessness)

Should I open an IRA? 25m net worth ~$80k
- 401k: $30k
- robinhood: $20k (+60% all time 😎)
- cash: $25k
- random stuff like bitcoin/robos: $5k

Worked in consulting for two years > startup (laid off) > will be interning at a growth equity/VC fund starting July 6. Comp is variable, could be $70-$200

Let's get a little check in - how have you been doing?

Feeling any urges lately? Found any coping mechanisms?

Love & support to you as we enter the holiday season.

What is the firm doing about retention/turnover? Any discussion about improving benefits? 401k match? Pto?

Can anyone share me good resource to learn and tryout Jenkins pipeline scripting ?

Anyone willing to refer me at Deloitte?

7/31 Thread (General):

I want to move from India (I'm an Indian citizen) and look for advertising opportunities in Canada. It is one of the many skilled worker immigration jobs listed on immigration websites.
Can someone help me out with the process to actually find a job there?

Currently in therapy every week at lunch because that’s all my therapist had available. It’s been fine when we’re work from home, but what would you say you have every week while in the office?

Does AdColor offer anything for those over 35 years old, as far as career growth? Anyone know?

What is the maximum compensation a Big 4 associate can make?

Do you think it is helpful to have a flirty persona in the workplace esp. if you work with mostly male superiors? i feel like my un-flirty very modest personality is in some ways a handicap...

What’s the deal with BCG titles? Director+Partner, MD+Partner, MD + Sr. Partner? What’s the difference in roles?

Last working day is in Mid October . Will I get bonus in this August. Some people say I’ll some say don’t. Please advise. EY GDS

Have never been able to pay attention when stressed. On current engagement, everything (internal & client) involves lots of people and moving parts and I can't think or be productive. Even in one-on-ones I've failed. Often nod yes by default even when I haven't understood, and try to recreate it alone later. Must have gotten bad coz this week someone gave me very simple printing instructions in front of others then asked me to replay them. Really offended and hurt me but maybe they have [cont]

New to recovery and had an intake call with an IOP program. They said all sessions will be on Zoom and I’m really nervous that I won’t connect to the program virtually. Anyone start rehab virtually?

Anyone here work in HR/Recruiting for Optum/UHC? Trying to get insight into pay range for a specific pay grade.

I just got a notification that a “Managing Consultant” just liked my post — would love to meet one

Can we share the initial offer AKA salary breakup of one company to another? And will they consider it ?

What’s the average salary / salary range for Strategy Directors in NYC at branding agencies or design firms?

YOE - 2.11
Fixed - 11.4
Variable - 1.55
Skillset - QA
Please let me know whether its worth it or not

Hello! Wondering how difficult it is to transfer offices as an S1? How far in advance should I ask for the transfer and any other tips I should know? Thanks for the help!

Seeing a guy a really like, want to take it more serious but a convergence of factors mean I’m likely moving next April. Is that too short a time to make a relationship worth pursuing ?

How does one go about firing a horrible contractor? I paid 25% upfront but haven’t paid the rest. I’d like to just fire them and cut my losses at the 25% but avoid any mechanics liens. Located in Texas

Ex-Consulant here that now works for a big name Real Estate Investment Trust. Saw on LinkedIn that EY has an America’s REIT Leader. Didn’t know that much attention was paid to the REIT space. Are there really consulting teams dedicated to the REIT space in the Big 4? Love working for a REIT and would love to jump back to consulting if there were teams dedicated to the industry.

For those in NJ (or I guess anywhere in the northeast), have folks considered getting/actually gotten solar panels? Has it been worth it? We have a consultation with a solar company soon (sun power) and don't think this is our forever home so think we may move in 10 years or so + I've been seeing a lot of cloud cover (on any given day) + whether to install a battery, all making me think that all of this may be a hassle that's not worth it....would appreciate any tips/insight/experience!!

Bought a condo and was informed by the existing tenant that the bedroom window in the winter collects way above normal amount of condensation to the point that the floor beneath the window is soaked. Tenant said they informed the prior owners numerous times to the issue but were ignored. No mention of it on any disclosure form. Is this grounds for a lawsuit? Pretty new the property owner stuff.

Has anyone dealt with a FIRPTA withholding on a sale? It looks like the seller of a condo I’m interested now is an international student so it would apply. Are there any specific steps to take with this kind of transaction? Is it as simple as withholding 15% of the Sales price from the seller to remit to the IRS or is there more to it?

What is everyone that owns rental properties doing with evictions, rental relief and debt forgiveness for their tenants? I feel like there’s no right answer here.

First time landlord, totally new to renting out my place. Would all you prefer a recommend investing in a property management company to just get things started year one, and then once I'm comfortable handle it on my own?

If I put some time into it I could figure it out, I think, but I just started a new job and haven't really had a chance to look into lease, how to manage the income, being available for viewings etc. It's about 10% monthly fees. I could pay zero, but outsourcing is tempting..

Construction costs / inflation / Costa Rica: I am considering buying land & building a short-term vacation rental villa in Costa Rica. Sole goal is to get a 10%+ ROI (going there for holidays as extra perk). All is looking good and I have good planning/advisors, but the only thing that freaks me out is the construction costs increase we are seeing (+15-30%). It kills me that timing is going against me. Would you pause such venture and wait to see how things evolve, or move on to not waste time?

Hi Everyone - trying time refinance my 30 yr to 15 year. Currently have 4.5%. What lender have you seen offer the best rate for 15 year? Lowest I have seen is 2.875% with LoanLock

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.

Just bought my first rental. Best place/way to draft a lease? Don’t want to hire a PM

Is this a good time to look at investment properties for long term rental or better to wait? Would like to hear from other investors on how they’re approaching this market.

Is going with the lowest interest rate always the best option for home financing? Or one should consider taking a higher interest rate but with more lender credit?

What would be your pros and cons for buying an apartment v a townhome for a rental property?

Hey anyone have any insights on Fundraiser, the real estate investment platform?

Recommendations for a lender for a rehab loan? Buying a property that won’t pass for a normal loan

Does anyone actually skip owners title insurance? Mine is $2700 on a $550k loan amount not sure if that is high or not but seems very expensive for a small likelihood..