I have too much debt that I would like to offload to have less stress. Some of which are real estate at 4.5% interest rate. Do you think it is wise to do that?

Do you have a prenup? What does it involve?

How did you get up the courage to invest? I max out the annual allowable contribution amount for my 401K, but otherwise I’ve got everything in savings. I have no debt, just a bunch of excess cash I’m too scared to do anything with. I know this is irrational - I’m above the FDIC-insured amount and I’m also losing value to inflation. I’d like to get to a position where I have maybe 14 months’ expenses in cash and the rest in investments (probably low-fee index funds).

Australia onsite offer from a company for my cousin. Tenure is 2 years
Package is 7000 AUD per month
Work location is Sydney
Is this enough for a couple to live there?
Can we save some money?
What is the cost of living there? How about tax?
Assume like everything they have to buy in Australia from scratch

Need your suggestions

TIA

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

Looking to refer a friend in the Las Vegas area to an independent advisor for term insurance and basic retirement planning.

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.

Has anyone used or heard about Flagstar Bank for mortgage? Seem to have a great program for JDs, wondering if anyone has any bad experiences or good experiences with them

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Is flipping houses worthwhile? I like decorating and renovating, so I'm thinking that maybe I could go into this and try my luck.

Solana 😭😭😭

I don't own any and it hurts.

Curious in seeing what people's avg cost basis is in this, when you purchased, and why?

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

How do you recalculate NAV if ownership percentage times the capital balance per the audited financial statement is leading to a variance

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Anyone here tryna go into impact investing?

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

Could anyone please clarify this?

Is the tax exemption limit (of 25000) under 80DDB for both parents or 25000 for each parent?

So in short - 25K+25K = 50K for Both Parents or is it just 25K for both.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Anyone doing any investing in Charleston, SC

Favourite money saving hacks? Signed, Broke in New York.

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

if someone joined EY gds within how many days he/she can add their dependents???

in which month??

Hi fishes

I am having 7+ years of experience and I have also done my MBA 3 years back. Wanted to know what CTC I should ask for if my current CTC is 17 LPA for a BA role

Law clerk/first yr (not admitted yet) can I respond to external emails or do I need sign off every time? (Senior I work with logged off idk if I can respond)

Voyager just filed Ch 11 bankruptcy. Rest in pieces.

Anyone who can help me in getting referral in Pwc! I can share the details if you can refer. Thank you.

Sooooo where are we going? Who’s booked a trip in the last week?

Where can I get a Tux? Nothing too crazy <$1500

How long it will take to release the offer letter after HR discussion in BOA?My LWD is on Dec 28 will it be able to make it before? Kindly suggest

How much minimum and maximum % hike can we expect after a year's appraisal.
Also if they provide any kind of yearly bonus if yes than how much can we expect the min and max

For those of you who have had to develop a "thick skin" how did you do it without becoming a robot? In the beginning, I just cried at work all of the time. I've gotten better but I'm generally sensitive so kind of an outlier. Could use some advice, thanks

Im using Azure Devops what is the best tool to prepare road map.

Need suggestions. kindly help.

Whoever said bumble bbfs was great couldn’t have been more right. It’s weird I’ve l been confident in how I look in the last few years but my personality and likability was put into question but instantly I seem to be receiving the friendship attention I like, 50+ likes by 4am on the first day, signed up at 2am. It’s kind of nice to make brand new friends without having a connection or a class together. Old friends and friends or friends sometimes benchmark you and don’t view the new you

Any dads out here? Wife is 20 weeks pregnant with our first and want to connect and know from fellow dads on how are they coping. How are you helping your partner? Feel I am not doing enough. Except for getting ready with the finances.

Pregnant moms, feel free to provide suggestions on what your partner is doing which you really appreciate. I got the foot massage part covered. 😉

Are Kuroni Tokyo Chronograph watches any good / worth the price? Any owners here?

Best/most interesting questions to ask admissions reps or current students?

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

Do you thank your tenants for paying the rent? A quick thank you text?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?