I need an outsider's perspective/advice. Bought my condo in Feb 2021 in Orange County, California at 2.99%. Monthly payments are ~$2,570. HOA has increased from $390 to $630 which brings to a monthly $3,200.

HOA sent homeowners a letter of a huge repaint ($1-1.4mil) and roof replacement ($800K-1mil) project. There is insufficient funds in their reserves. $10K from each unit is being requested by EOY + another HOA increase (10%).

This is just getting ridiculous. What would you do?

My Coinbase account doesn’t let me buy more than $700 transaction using my bank card/credit card. I uploaded my ID as well. How can I increase my limit? I opened my account 3 days ago

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

Make 72k with not a lot savings at the moment since I am new in the workforce. Any advice on how to break into real estate.
Also already own a primary residence.

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

FYI Amex offer for Allen Edmonds. Spend $300 get $90

How’s litecoin doing? Thinking to invest in it.

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

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.

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

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

Hi, I have 2 offers below,

1. 50lakhs per year in Bangalore
2. €105k in Netherlands

Considering the economic crisis due to war, inflation etc. I am confused on which one to select. Please guide me.

Have 20k, what’s a good small business to start with this fund? Serious question here

Inflation check @9% 🫡

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

The account dropped the register down the flight of stairs and it shattered into a million pieces. Fear not the account says, for it was already depreciated to $0.

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Has anyone started an LLC, S-corp, or C-corp for your day trading? If so what are the requirements for getting started with that?

After 10 years of working as a FTE PM/producer I’ve now been laid off (thanks Covid) and am looking to start freelancing for the first time. What advice do you have for a new freelance PM/producer?
Also, what kind of insurance do you take out as a freelancer?

Hi,
I have completed my Diploma in Mechanical Engineering.
I do have experience of working in Human Resources.
I am currently pursuing BBA so i can match my education with the career. I have also completed course of Human Resources Management from University of Minnesota.

If any job opportunities for me please let me know.

Hi Fishes, I am looking for a new role / job change into Broker Vote or Reference data.
Having experience in (Client Strategy)Broker Vote, Deep Dive Analysis, Account Review Meetings, Consumption Reporting, Reference data, Corporate Access, Corporate Actions.

Hi everyone, I have 8+ experience in collection and not want change company can anyone suggest any openings in Andhra Pradesh

Could anyone refer me for IN4 operation manager role. YOE 12

We have a opening for someone 7-8 years of experience in finance reporting domain JPMorgan Chase . Person should be good in advanced excel powerpoint. Alteryx or tableau exp would be added advantage. Dm if you / any your acquaintance is interested

What is the average salary for director Morgan Stanley india ? How is wlb and job security?

What happens in case of OBI violation any idea in Morgan Stanley?

Hi..
What is the hierarchy structure - Senior Software Engineer, Senior Specialist, Consultant, Senior Consultant? Are they all in E2 band?

Hi folks, I have an offer from Persistent for Java developer and they're offering me 7.5 LPA for Senior Software Engineer role.. Is this the right scale in Persistent ?
My experience is 3 years

Anyone have any luck juggling multiple software engineering roles at the same time? I’d like to horizontally scale my work by working many easier, more junior level jobs instead of one very senior, difficult SWE job.

Also, is there a trending name for this sort of thing I can Google for?

Hello Fishes

Recently i was scheduled for an EY GDS interview on 5th of November but no one showed up and interview did not take place , what is it mean?

How do you bill your time? The busier I am the harder it is to bill. How do people actually bill contemporaneously in detailed terms when you bill 12 hours but literally did 100 different things in those 12 hours. And it’s never slow enough to go back and do it super detailed.

How much should I expect to pay to a contractor for building a fully clickable prototype in figma? The design is multi platform and contains roughly 12 screens.

Anyone assisting to the Snowflake Summit in Vegas ?

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

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.

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

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

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

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?

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 buyer have to share appraisal with seller? Can seller request it?

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?

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?

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?

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

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.

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

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Has anyone here used New Western to buy real estate deals?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

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 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.