I just wanted to encourage those who are looking to invest to keep an eye on your market. I started with 1 unit in 2023 and will end with 10. Less than 5% down and have sub 7% rates and cashflow $1000 after debt, management, cap/vac, and repair savings ( basically 80% of income nets me $1000 per month). In addition, I lowered my actual housing costs by an extra $300 (If I rented out my part of the duplex I live in, I would be earning an extra $1000 per month).

Im so happy! I just paid off all my debts!

What is personal independence??
Why Pwc asked me to fill all investment details for me and my dependant.
Can anyone please help me on this ??

@pwc

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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

Do you have a financial advisor? If so, what firm did you use?

Can we increase the Hra amount while filing the return?
I have paid lumpsum amount to my parent as the rent.

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

2019 Hot Take #1: Mutual fund outflows will continue and accelerate if the market pulls back.

Want to splurge on a 1BR luxury apartment in Chicago $2100 a month (all inclusive). Make $90k gross, no debt. Saved up quite a bit living at home, would you do it? Coming from a low income fam, never imagined making so much but feeling guilty about spending so much.

Hi new to crypto! What apps/sites would you all recommend to start investing? I have Robinhood but it doesn’t have a lot of the crypto options

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

Alright QOTD: How are you paying back your loans? PSLF or working for Private Firms and Paying your loans back yourself? Which choice do you think is better. I have 5 years left of PSLF and I cannot wait for the day that this loan is gone.

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

Coin a buy ?

Can anyone from Genpact refer me, please.
I have the job id.
Thanks.
@Genpact

Hi all, want to activate my DMs. Please like. TIA!

Hi fishes,
What is the avg salary that I can expect in Morgan Stanley at Manager level?
Current CTC- 15 LPA
Yoe- 3.2 + MBA full time
Domain- Cyber security and risk advisory

Any idea what would the main topic for today's webcast. I believe split is getting delayed and timelines are extended

YOE-3.3
Position- Data Engineer
Currently working in Quantiphi
I have 3 offers right now
1) Testbook 23lpa- 19fixed and rest stocks and variable
2)Tech Mahindra-20lpa fixed
3)Skuad - 24lpa fixed
Confused right now which to choose also been listening about recession and bear market so job security is also a crucial point in making a decision.

Hiring entry level healthcare it consultants. Lots of travel, lots of paid training.

Ideally has a background in healthcare technology (eg a degree in healthcare administration)

Fortune 100 tech company

Is anyone’s wfh office chair getting less “springy” over time? Mine just doesn’t have the same umph it had before, constantly lowering throughout the day.

Out of curiosity, if I had a secret clearance but left my previous firm and my new firm does not do any form of public consulting therefore does not utilize my secret clearance, and I am planning to travel abroad; who do I notify? How do I notify them? Any form of help would be greatly appreciated!

Just wanted to know about the average annual hikes at Evalueserve? Position - Manager, Strategy

Anyone here who moved from India to Singapore in a VC/PE firm or FANG (business roles) in the last year with new EP issued (not an internal transfer)?

Here’s a question for the recruiters out there: do you want to see my portfolio?
I just started freelancing after having been FT for a long time. Top agency experience, Cannes Lions, NYC-based, DM me!

I am finally going to see a therapist for my depression and suicidal thoughts. Alot of bad things happened to me the past 2 years and I just can't handle it anymore. Just wanted to get it off my chest.

How does everyone in this bowl feel towards master’s degrees in data science/analytics? I didn’t study this in undergrad so I’m looking to get an analytics degree but I’ve heard mixed reviews.

How many people we have in this group ? Any idea how I can check ?

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!

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

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

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

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. 

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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

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

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.

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

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.

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?

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

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.

I joined a real estate team & I was expected to show up at 9:00am sharp every single day. Is this a common team policy?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?