I want to buy a house for investment. I aware of interest rate for investment much higher than primary home, but at least 2 loan officers that I talked to said that I can apply for primary home loan, move in within within 60 of closing, then rent out, move out, no one really care as long as you paid on time. Is it right? I really don’t one to break any contract, but I see many people do that

Welcome to the NFT Bowl! Feel free to share cool projects you've found, investments you are making and why, or shill your own projects! It's also a great bowl to network and build your own team!

To make things smooth:
1) If you see or have a cool project, please post a link to help others find it quickly without having to slog through searches
2) No one is giving any financial advice. Use of this bowl is acceptance that you will not take anything posted in this bowl as financial advice.

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

For EESP - which is better share withholding or payroll withholding? Thoughts?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Once a crypto becomes deflationary, and in theory the mining process ends, how are transactions secured without that computing going on?

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Is Monaco a good buy? They’re being Listed on 3 new exchanges in Dec, but down 15pc today!

Looking for a lawyer for get prenup done. Any recommendations will be helpful

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

Taking a sentiment of where you think bitcoin will go from here. Like the option that you agree with in the responses

Y’all I want to thank you for the tax discussion/questions we have in this bowl. I've been applying it to my job and it's helping. 😄 Of course, everything should be taken with a grain of salt.

Bought my 911 last year for ~$120k. Only put 4,000 miles on it and seeing online values in the ~$130k range. Am I crazy for considering selling it? She's in perfect condition (even though she's my daily)

Confirming that the cheapest and fastest way to buy Electra is to transfer LTC to Coinhouse and then convert LTC to BTC

Can someone explain the LTA policy? What happens if I don't claim any travel bills? Can I claim it as a taxable component monthly?

Why has real estate remained lucrative?
Mainly agents but also developers.

The barrier to entry is low, not even sure if graduating high school is needed. My old agent even said she did it bc she can make a lot money and not work that much. She drove a new Mercedes and sent her kids to private school, husband was also an agent.

So I’m curious why it didn’t get flooded and the profit margin dampened to a $/hr closer to other jobs with similarly easy entry?

Hello - Hopefully Moving to Manchester before the summer! Any advice for a US Expat coming to the UK beyond the obvious stuff from a Google search.

… any suggestions on courses (self-directed or more formal) to learn SEO?

I’ve been an editor for a number of years, but always pulled and pushed to handle other crises that show up daily, and learning by doing doesn’t appear to work in the world today.

Thanks for any guidance offered.

Just got a new kitten. We already had a cat that is 4 years old. She has never hissed ever in the two years we had her and now she hisses at the new kitten. We are doing slow introductions between doors and things like that, but there seems to be very little improvement. Any other tips or tricks anyone can provide?

Would love insight into the workforce readiness practice… good/bad/ugly :)

I have a pretty good idea that I’m being undervalued & underpaid. Anyone willing to share base salaries for account manager/account executive/sales lead for food/CPG industry? Any companies considering inflation raises or have already committed to increasing annual merit to match inflation? If so, willing to share % raise?

Hi fishes,

Can anyone tell me if infosys promotion is happening as part if retention? Mostly from jl5 to jl6? Did anyone get promotion as part of retention? in infosys?

Hello Sharks,

What are your views on Capgemini in terms of wlb and job security?

Is it a good place to be as an SAP consultant with 4 yoe ?
Please let me know your views. TIA

I had applied in Infosys but the application was rejected after scheduling interview. They said they will but they did not. My ex colleague tried but refer me later but it says another application already exists.
When can I apply again??

Weekends - what are the best sources / instas / emails that list cool, unique, events or things to do in NYC before they sell out...! Less like Time Out, more like Skint, but price isn’t critical.

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

No matter how much and how hard I try organize my day, stuff just pops out of nowhere all the time and I end up stuck at my desk until midnight almost every single day.

Did PwC increase their payscale in UAE?

Hello! Looking to relocate to Phoenix, any thoughts on budget for a 2 bed/1-2bath? Within commuting distance to Tempe, in unit w/d! Also any areas to look at?

How will the work be in L&T Technology services?

PWC India or Capgemini?

For folks who have applied for AP/EAD, how long did it take for you to receive it?

Stuck in a weird limbo where I want to leave my job more than anything but grateful that I have one at all with all the layoffs in our industry. It's a new kind of trapped. Anyone else feels the same?

Looking for job opportunities in data modeling field

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!!

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

What's common % for Property management fees? I've seen anywhere from 6.5%-10%

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

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

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

What are your opinions on financing furniture purchases? Most of the big stores are offering 0% for a few years and I’m wondering if there are reasons I shouldn’t do it

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!

How accurate is AirDna rentalizer revenue and occupancy (assuming you are best or at par with top area listings) - specifically in big city suburb if that makes a difference. Looking for any and all opinions of airdna rentalizer

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

When renting out a property, can you specify which pets you'll allow vs not? Like no cats but small dogs are okay?

My partner and I close on our house this Friday at 9am and I’m just so happy. I’m a public interest attorney and we worked really hard to save. This was after 10 offers. Just wanted to share 🥹

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Is it the worst time to buy real estate because of the interest rates?