I want to purchase a rental property, ideally a duplex. I'm investigating all the expenses that I should accout for to understand return rate. I have insurance, taxes, maintenance, potential months the property won't be rented, realtor fees.
Are there any other expenses I should keep in mind?
Also, is there a good excel model recommended to do these types of calculations?

How do you split income/expenses with your spouse? Wife earns about 75% as much as me. Don’t have kids yet. Do you have a joint account for everything or do you split common expenses 50-50 or in proportion to income? Something else? This has caused some contention so want to benchmark. Thanks!

Does anyone use the commuter card (use pretax money to pay for T passes, etc)?

How long does it take to make at least $300k per year if you are in-house?

A gold-backed international currency. Yay or nay?

I was given a 15k, 0% loan to pay off my student loans upfront from a family member. Would it be better to invest this money and just pay back my family member monthly since the 4% rate on my loans would be less than (hopefully) the amount gained in the market?

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?

Anyone use financial planners or wealth managers? Pros / cons / considerations / recommendation for one in NYC?

Please excuse my innocence, but the way it looks is that it seems so to be worth it to join a firm that allows personal card vs Corp amex. Thoughts?

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!

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

Personal finance/investing advice for recent college graduates? Best personal finance and investing books/websites/subscriptions/YouTube channels? Thanks!

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Hello fishes
Can you guys please suggest me the good term insurance plan and things I need to check before taking the policy.

In HCOL areas like NYC, how much would you say is “Too much” credit card debt? Moderate and low amount also. Single , married or any situation.

Is this the official Amex Fishbowl?

IMO It’s only a matter of time that Cuomo closes the entire NYSE. If you are holding short term options, consider the risk.

First gen, first year lawyer here. What do you do when you have family members who expect money from me every paycheck. I try to stand my ground but I get guilt tripped, especially when those family members were there for me.

It’s getting hard to save money when there is this expectation that I must give them money every paycheck. It feels like I have nothing for myself.

How many policies a month do you sell?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

Wipro is hiring for Senior/Lead DFT Engineer
Experience: 4-12 years

Expertise in DFT Methodology like Scan and Test Access Mechanisms
Knowledge in RF/ Mixed Signal circuit design
Experience in Pre-Si Verification using SV/ UVM
Experience in Gate level simulations

Work Location: Bangalore, Cochin, Pune, Noida

Bonobos Pants/Jeans? I just bought three jeans from them and a couple of chinos. Fitted well and quality looks good. Any concerns?

Anyone tried kybella for double chin? Wondering if you liked it, how many times you had to do it, how bad is the swelling, and how much it cost per round?

Hi ladies! I’ve been using the same perfume for 10 years now and looking for a new go-to scent. Im looking for recommendations to try. What are your favorites? A lot of scents give me headaches, so nothing too strong and nothing too floral please. TIA!

I am 39 F. Based in US. Looking for a person over age 39 and living in US - any state. If you are looking for a match let's connect.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

I recently transitioned from corporate finance to IA. I have a little bit of downtime. What resources do you recommend to help build my skillset and assist with the transition?

Has anyone taken a Florida CPE ethics course that was easy?

Where would you travel to in India during May?

Very new to being headhunted by recruiters on LinkedIn, should I be concerned with sending recruiters my resume or anything along those lines if they’ve messaged me?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

36M here and I find beards / facial hair absolutely cringe. I feel like everyone has just gone for the 'I can't be bothered to shave' look for convenience. Especially desi guys, it's like a uniform now.

Anybody else feel the same?

I am a fresher ca with prior global audit experience

Please help me refer

For those who work for Axiom, what percentage of the engagements offered are full-time vs. part-time? Thank you!

I love you Atlanta, GA. Respect.

Hello everyone, I have 8 years and 3 months of experience. I am working at TIAA GBS PVT. LTD as network security engineer from past 2.5 years. I got an opportunity in Silicon Valley Bank in Banglore. Got an offer of 30 lakh pa ( all inclusive). Just wanted to know the review about this organisation. Hows is the work culture? Need your valuable opinion about Silicon Valley.

I have an offers of 25 lakh from BT noida. Thanks you all.

Who won? Harris or Pence?

Harris- 💗
Pence - 💡

Will be joining Brillio on 24. What to expect interms of welcome kit.
Will they be issuing high end laptops ?

Bhai log kaisa hai Accenture? Got level 10, security family group hai. Bata do jara doston thoda ghana jo bhi pata hai, dua dunga.

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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?

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

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

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

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

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

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

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

Hi - any good books recommendations for getting started on real estate investing?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

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

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. 

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?

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

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

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

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?