I need to take out a loan of around 10 to 15,000 rather than a mortgage, is there a way that I can charge it to my credit card with 0% APR or any other way of getting alone interest-free for 3 to 4 months?

Hey all, deciding between two properties in Miami for this weekend - W Miami or the JW Marriott (not marquis). The W is about $325/night all-in while the JW is 40k pts/night. Which one is better?

For those who came to London thru their firm’s global mobility program, what sort of visa did you get? And was it a route to settlement? (IE did that time count towards getting ILR eventually)?

Hi all! Appreciate all the advice / nerding out about watches in this group! 🙂 Planning to get my first Rolex and also have some upcoming travel to Budapest planned. Has anyone purchased a Rolex there? How was the experience? Trying to take advantage of the high VAT!

Tax help please:
Turbo tax is telling me I’m about to get hit with a $3k+ tax bill. I got married in 2019 (my income is 130k, hers is 60k) but I didn’t have extra pay withheld on my W4 in 2020. Last year it wasn’t an issue, so what could have changed? We bought a house in 2020, so I would have expected to have a bigger credit from that, not a larger bill? Any help would be great here.

If your close family (siblings, parents) are having financial difficulties, do you help them out?

I'm not talking having difficulty to buy a new car, but to pay for health insurance, rent, buy food, commute to work etc.

Hi All, I am exploring a contract position and they are offering the below. As I am new to contracting, Please suggest which one is better Option 1: $70/hr on W2
Option 2: $80/hr on 1099
I live in the Bay Area, CA if it matters.

Thank you so much !

Im single and will be 30 very soon. I have an emergency fund and a good amount of money in the market. I love the idea of maximizing savings but I’m sick of roommates and will getting my own apartment in the summer. I am torn between saving as much as possible in a less expensive 1 BR and getting my dream apartment. It’s a difference of ~$400-600 per month. Help😩!

Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

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?

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

Is there an app where I can see all of my money? Connecting bank, wealthsimple trade, wealthsimple cash, anything else... ?

Is flipping houses worthwhile? I like decorating and renovating, so I'm thinking that maybe I could go into this and try my luck.

Best SPG + Marriott hotels in Beijing?

Anyone here tryna go into impact investing?

Hello Team,

GBT team inform to submit the card details for travel and hotel booking. When I am trying to submit the details getting some issue like enter your RSA securid passcode as well as help me how I can login into concure application.

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?

Does anyone know where on the United website where I can see all my future PQMs, PQDs, and PQSs for the rest of the year?

Anyone from Nationwide? I’d like to hear feedback from current and old employees about the work environment, salary (G3), development, diversity etc. I completed an interview for Claims Manager position.

First year staff and I think this job is making my depression come back. I find no meaning whatsoever in what I do and just want to cry every morning thinking of going to work.

I have 10 YoE in the Customer Support field, making 68k currently as a lead agent. I applied for a supervisor role, above my current role, and didn't get it.

Any recommendations on how I can leverage my YoE in the future for this role if I've never been in a supervisor role?

Hi fellow ZSers
Can anyone help me understand if there's a provision of moving from ZS India to ZS UK role?
If yes, what should be my approach?
I joined ZS 3 months back and would really appreciate the help!

Hi friends,
I have offer in Maersk and Elsevier for the same package. I have 8.5 years of experience in QA automation. Please suggest me which company should join in terms of work life balance, flexibility and career growth?

Why are we as a group not so active in helping each other ? I understand there are many members who joined with aspirations to learn DS. But existing members from DS are not active. sad sorry

What’s your tax strategy to minimize self employment taxes?

Any book recommendations on excel modeling for real world business applications?

Any international senior creatives who are on O1 visa ? Need some assistance please.

How much fis takes to share service letter. As it's already more than 20 days.

Hi - I have never used this. I’m planning to schedule fertility test. Would this programs offer me any benefits?

Thanks in Advance!

I am a Mechanical Engineer ,experience in Quality Assurance ,Polymer Composites . I am pursuing for a job change as a Process or Manufacturing Engineer . The internet is really short of any content for core engineers like us to get a guidance in our field .I did do some networking in LinkedIn , searching for mentor to help me gain the required skill set for landing in a job in an Aerospace firms like Collins, Safran , Ge , Boeing , Airbus etc.

It will be great if I could find a mentor here.

I just recently joined a company (a month in) and I’m realizing that I may not be a good fit. Should I, at least, give it a chance or start looking for a new role?

Anyone know anything about trying to work in house in certain industries? I’d like to move into media (publishing, entertainment, etc.) because I don’t want to stay in law forever but am having a hard time connecting to the right people

One of my average looking friend was complaining that they are tired of dating ugly people.

Hi guys. Might anyone have any general insights on IBM titles, comp ranges and how TC is structured? What would the logical setup look like for someone with 10+ years investment banking/technology experience + 3 years FSI consulting

Is there any difference in negotiating before year-end vs. in January? Will more budgets release in January making it easier to get sign-on bonuses etc.?

If a recession happens, as it looks like we are upon one, how would firms decide who to fire? Would they look purely at hours and cut associates with the lowest hours? Should junior associates start saving money more aggressively now, (401k, HSA, IRA, brokerage) with the expectation that there might be future cuts?

Recently, the CEO and my boss, the VP gave me the latitude to promote myself and "write my own" job description. I've been the Marketing Manager of this company for about 7 months. Already received 1 raise.

Much of the work in my "new" job description, I've already been doing. My currently salary is $70K. New title is Director of Communications and Systems Integration. What is a reasonable salary increase here.

I have about 7 years experience in this area.

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?

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

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

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Do you thank your tenants for paying the rent? A quick thank you text?

Any Property Management recs in Seattle area? :(

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. 

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

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?

Best way to start wholesaling real estate?

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

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

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Is it common for HOA to ask you to prove your car registration is up to date?

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!