I live in Texas and I have had real estate on my mind for years now. Is it worth it? Is the time now? Or should I continue with my no end job for now?

Does it make sense to refinance now? Current rate is 3.62, bought in 2019. About 480k left on loan. Need some suggestions.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Have any of you hired a financial advisor to help plan your retirement strategy? If so, how did you go about finding one? I’m recently married and thinking if it’s worthwhile hiring one..

With the latest Southwest Visa cc, you get 4 upgraded boardings a year. I’ve used 1. My question is this. What is a “year”? Is it calendar year or your anniversary date of when card was issued?

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Need suggestion:
I have offer from Morgan Stanley Budapest. They offered me 1.1 Million HUF Per month. I need advise weather this opportunity is good and how much can I save there. Also want to know whether it is advisable to move to Budapest.

Current CTC is 20LPA in India

Thanks!

Any good articles, notes , YouTube videos about intraday trading for newbie ?

Can anyone explain why the Aston southend is so expensive ? 2.9k for a 1 bedroom?

Any thoughts on PIC? The stock rose significantly in after hours on news of XL fleet merger. Does it still make sense to invest in it at ~$18?

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

How to transfer PF fund from hcl to epfo if i was a non pension member???

Hello Fishes,
Can anyone please help out with requisite YOE required in various bands at BNY and their corresponding pay ranges that can be expected for I,J, K
It's slightly confusing, so would appreciate any help, so I can be prepared for calls if any, as have had low balling experience earlier, thanks in advance🙏

I am currently a Manager with 6 YOE in Fund Accounting/Financial reporting profile
Would appreciate the help please

If Joe can’t even do an unscripted interview or event, how can we expect him to run the country? Guess what, the world doesn’t follow a neatly orchestrated script, and bringing a teleprompter into meetings is generally frowned upon.

My husband and I are in 2nd month of trying to get pregnant. Been on BC on and off for the last 15 years. Taking prenatal vitamins, watching ovulation, watching diet, any other suggestions?

How is work life balance at Tredence? Any input on culture as well please

Is it just me or are behavioral questions really stupid? I always feel like they're either way too open ended or they're asking about something that's never happened to me

New here and as all newbies, I've come to humbly ask for likes to gain the ability to DM. Lol

Anyone familiar with Ephesoft Transact that would let me pick their brain?

@ those who have gotten their H1 stamped - Can we use the auto generated employment verification letter from ToD for H1B stamping Interview? Or do we have to get a separate letter signed by a Manager?

How much @Eli Lilly offers for 2 YOE data engineer?

2. Do they give hike based on cctc or have their own salary range?

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

Has anyone heard of Lurie LLP I’m seriously interested in their private client service/wealth advisors

Can you jump from a tax staff to a manager? With cpa and 5 years experience?

Is there any advantage to telling a company you are interested in working for in the future where you decided to accept an offer from? Or does it not matter? I accepted an offer a week ago with a great company (Company A) that for this season in my life seems like a great fit and only strengthens what I have to offer company B down the road. Company B just sent me a request for interview and I want to keep the door open with Company B but they were just very late in extending an interview.

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

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

Anyone take the WI Real Estate state exam? Any tips on what to study?

Looking for an NJ store selling hardwood flooring that has a decent selection and not too lengthy delivery times.
Everyone seems to have a 4 week wait for hardwood. Any help is appreciated.

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

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

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

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. 

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

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.

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

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?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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