I love real estate, but the numbers just arent making sense anymore. See hypothetical scenario’s below.

Option 1: Hold 250k property for 15years, 62.5k total investment (20% down, 5% costs+fees)
Future Value: 389K (conservative 3% appreciation, 15 years)
-Remaining balance after 15 years at 6%: 145K
-Selling costs/commissions: 27.2K (7% assuming)
-Capital gains tax: 20.9K (15% on 139K of gains)
Total future value of 62.5k investment = 196K (cash flow not included)

*Option 2 in comments

What's the best city in UK to buy a buy to let property, with best returns?

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!

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Guy slid into my DM’s asking to be my sugar daddy. But he wants my PayPal info to send me money. Is PayPal a safe way? Also lol what is my life 🤦🏼‍♀️

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

What is the best way to invest in IPOs.

I grew up poor and was obsessed w financial security. After investing my blood, sweat and tears into my career for years, I’ve decided I don’t care about my career or earnings as long as I have enough to support my family. We are happier than ever making less and saving little. I wasn’t there when my mom was sick and died because I was working and my employer didn’t allow me to be in a mental headspace to be a good person for my family. I can never change that but I can be better going forward.

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

Owning real estate is overrated, I’d rather rent all my life. Change my mind.

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

What are 72 and sunny and droga benefits? Looking for details on 401k like vesting periods, matching etc.

Why is it when I owe money to a state from my annual tax filings, if I don’t pay the full amount I get charged interest. But when they owe me, they ask for additional documentation and won’t pay me interest for them stonewalling me. Not much volatility y/y in earnings.

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

I’m maxing out the 6th year for H1b and my I-140 just got approved. 1 month ago, my employer has filed a h1b extension but it is based on the approved PERM instead of the 140, and only asked for one-year extension. In that case, after 6 months (180 days i140 rule to avoid employer’s revoke), will I be able to switch employers even though the renewed H1b gonna expire soon at that time?

In the most unnecessarily complicated phrasing worthy a dissertation, what are you working on this week?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Any thoughts to the group on the states opening up?

AZ here - I think it's too soon

Should I do the IPG employee stock plan? Anyone else do this? Don’t even know if it’s a good stock or not

When RFPing for a piece of business. A Client wants to have a preliminary chat to ask questions to see if the agency is suitable. What kind of things could they ask?

Confession: I have a dirty mouth and serious swearing problem. I'm that coworker who constantly mumble swears and dirtiest words just flow off my tongue. No ones complained yet. Should I be worried?

Hi everyone! I am working with my HR to improve our maternity/paternity leave policy. Currently I only get 2 weeks fully paid and then an additional 8-12 weeks at 60% pay (short term disability). I need some examples of companies with less than 100 employees and what your maternity/paternity policy is. Please include company name! Thanks!!!

Need help to decide:
UK: 40000gbp
Germany : 63000euro , 5000 relocation bonus.
Currently I have 5yrs of exp and am based in India with having 14lakh package.
Please help! Thanks in advance!

Any F in the Bay Area wana have some exciting time?

Hyderabad or Banglore which one to chose.

Hey Friends! Looking for advice!

My wife is a Chartered Accountant with 7+ years of experience as credit manager, underwriting loans with some leading banks in India. She just got her EAD and is looking for jobs, open to switch profiles as well. Do you think she would fit in for any role here in Seattle, WA? She has been a star performer and promoted twice in the last 3 years. One problem is companies look for US experience which she does not have, we just moved here early this year.

Got hit with RFE during premium processing for H1-B extension, 12th year H1-B. I was asked to provide additional details for my daily job tasks.

What are the chances it will get approved?

Hello fishes small suggestion from my end for who are trying to switch

Don’t wait/waste your time for positive replies from employers continue your hunting in market.

I had a bad experience with CTS even my interview gone well I got negative feedback. May be they have budget/notice period constraints, if that is the case why would they conducted interviews with out basic checks

Exp - 7+
Tech stack - Java fullstack Developer

Is an electric toothbrush worth it?

Can we change project in Capgemini?

Any FDD Managers or Senior Managers/Directors interested in joining EY? Feel free to PM!

Has anyone bought property where the EPA has remediated the site for lead contamination in the soil? If so what’s your experience?

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.

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Any Property Management recs in Seattle area? :(

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

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

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

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

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

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

How can I invest in real estate ? Looking for an additional passive income source

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

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

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?