I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

What actual stocks you all buying today? Got some cash from settled trades I want to deploy

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

(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?

When you look at all these stupid ideas trying ICO, it definitely feels like dot com bubble 2 is approaching. I still think a bulk of investment is going to more legit ideas, but a lot of alt coins are gaining higher valuations. When do you think we will hit the burst? End of 2018?

My background check for Blackrock came back last week. It’s now with the background check committee. How long until I get the final OK? No, I am not a criminal. :-)

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

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.

Didn’t realize crypto had MLK Jr sales too! 🤑💰

Joining D soon as manager. Can we use Interactivebroker for stock trading?

I can’t deposit my check via Citi’s mobile app because the amount exceeds my daily deposit limit.

If you could go back in time what would you tell yourself before taking out student loans?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

https://yieldnodes.com?a=kR0zejgYmyoDrVm

Make 6-8% monthly passively

Yieldnodes is a server rental program, NOT a trading investment. It is not related to trading cryptos or currencies in any way.Participants' funds are used to set up servers that operate as masternodes and to stake small volume coins which allow those servers to partake in crypto network activities and generate more coins. The proceeds are shared 85% to participants and 15% to the program (the rental payment).

For those using voyager, does it take a really long time for deposits to settle? It's been like 1.5 weeks, my cash has been taken out of my bank account a while ago, but voyager still has all my deposits as pending.

I can still trade with the pending deposit, but I'm just wondering since I'll eventually withdraw some.

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Got a letter of default and acceleration notice from bank who repurchased my mortgage due to what they thought was mortgage fraud but wasn’t. I’m contacting a lawyer but has anyone gone through this? I know they want it off their books and suggesting I refinance but my rate will increase and they’re demanding legal fees too

Taking the NY bar for the first time. Is it fine to take it from the work laptop because personal laptop seems to be giving up in life! Please guide any pros or cons. Thanks !

Anyone an EA at Citadel? Do you like it?

Are a majority of the letter of recommendation prompts the same for T15 schools? Can my recommenders just upload the same letter to multiple schools?

Does anyone have any advice or insight into studying for the Sustainability Excellence Associate (SEA) certification exam? I can’t really find too much information on the test.

Peloton worth it?

Asking for a friend:
My friend received two job offers for Account Executive roles: a Mid-Market role with Confluent and an Enterprise role with ThoughtSpot. He’s conflicted because Confluent is a more established company, ThoughtSpot is Pre-IPO. Confluent is a lucrative product to sell and has established SDR reps so there’s a good blend of inbound and outbound sales. Thoughtspot is more of a startup culture where most of the sales comes from outbound and it’s a tougher sell.

How much should i save from my salry for securing post retirement life and all general commitments before that. I'm 30 now. Assume no Inheritance. Current in hand 1.85 lpm

Wondering if anyone has had experience with the tech excellence program at Booz Allen? I was hired a month ago in commercial consulting and now they are asking me to do the tech excellence program. I read some pretty bad things about it and am pretty confused

I recommended a candidate for hire to a manager that reports directly to me. This person is a perfect match, but wanted the manager to obviously recommend. It has to be a fit. The manager just told me my recommendation is not her top pick. I feel frustrated because as much as we talk about the position, I wonder if we are mot aligned on criteria. What do I do? Do I push more for the person I want or will I cause an issue with the hiring manager? How do I get her to see this person’s value?

YOE : 7.8 i have an offer from IBM and HCL.
IBM : 18 fixed + 1 JB HCL : 21 ( 18 fixed + 1lakh approx (monthly variable) + 2 lakh Annual variable ) . Now i have a discussion pending with Robert Bosch , What should i quote ! Which will be better for job security and work life and overall career growth .

What’s the main difference between working on healthcare at a traditional shop like SSW vs. a PR place like Edelman or Marina Maher?

Best Marriott hotels in downtown Seattle for a weekend trip?

Had my first round of interview with Google. It’s almost a week but I haven’t gotten any feedback. Is that the normal practice?

How long were you a senior in FDD before things started to click? Really enjoying everything so far but feel like I am behind my peers. Been about 7 months now.

Anyone have insight on how to move in-house at EY?

Ex-McKinsey EMs or ex-BCG PLs, at what level did you enter google? Being offered an L5 and want to make sure it’s the right level

You can get into FAANG but remember you will become good for nothing. As when u try to switch you will have bug fixes in your resume no productivity. Beware...

What is the best tech track to go into for highly paid temporary contract work?

Anyone have personal experience with Dimensional Funds? Looking for a financial advisor and it's interesting you can only buy their funds with a few select advisors.

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

Are we headed for the long overdue crash/correction - red everywhere 👀

How much do you keep in the bank vs brokerage?

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

First human to cow transmission of the coronavirus. And the bull is dead.

Can I afford a $38k Tesla model 3 on a $77k salary?
I’ve driven the same beater Toyota for 10 years and it’s starting to die. 26 years old, no debt, $125k in Roth retirement accounts, $25k in cash, no other real assets. Leaving DC to telework from parents’ house for a few months so no rent (temporarily at least). I’d put $10-15k down and the rest would be a 0% loan from Mom & Dad

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I just got promoted (yay) and am now over the income cap for a Roth IRA. Can I still contribute the max amount this calendar year? When does that cap limit actually take place? Thanks!

Microsoft vs Apple vs Amazon, please suggest

Want to buy a house in bay area? Is this a good time? Thoughts?

Too late for NVAX?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Hello fishes. Need some insurance advice.
My parents are dependent on me. My 62 yo dad and 57yo mom do some part time work and makes $1000/mon. Dad has some health complications like diabetes, high bp, genetic heart issues, liver problems etc. Does it make sense to get a life insurance for him - 20 yr term, $1M coverage. Premium is around $500. I am thinking I can pay the premium but if something happens to dad, it will help my mom pay be self-sufficient

I finally created and set up contributions to a 401k account 🙏 whew! Now just need to watch it rain

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!