I want to start the process of looking for a home in January 2024. Does it make more sense to put down 10-15% with an FHA loan or to stick to 20% with a conventional loan? I’m unsure if the full 20% would be difficult because of closing costs, furniture, painting, etc. I don’t want to deplete my cash reserves too much if there’s an emergency/layoff. I want something move-in ready. So not factoring in big renovations. Cosmetic changes I’d be okay to make slowly if the place is in good shape.

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

Looking to buy a car December - SUV that has a decent resale value, and very reliable. Used or new 20k max if used and 25k if new. Thoughts? Thank you!! 🙏

Hill holiday and Arnold: heard massive layoffs at both places. Is everyone ok?

Big4 Partners: could you provide some insights into how the Big4 pensions work. Assume one becomes partner at 40, and then retires at 50 after full vesting, how much annual $$ you get after retirement?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

I'm 21, trying to build wealth. I need your help!

In the next 5 years, I plan on buying a house but there are so many investment options, I don't know what to choose.

I can invest upto 30,000 a month, please suggest!

The current state of market has me confused. I need an AR of 10-15% with Medium-High to Very High Risk profile.

Thanks!

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Is BRK-B a buy right now?

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

How do you effectively plan for retirement?

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA

Is Deloitte USI specifically in Oracle Cloud Technology, Is it doing layoffs? Level Senior Consultant

Does anyone have any book recommendations for information on buying a house?

Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

I think everyone will agree with this that in last 1-2 years we have seen a tremendous change in Indian IT industry and tremendous growth in Salaries and negotiations. Can someone explain me the factors that are triggering it even when the world markets are in huge correction phase and we are also seeing layoffs and revoked offers.

Hi! 23 year old BDR here, got laid off from a seed stage start up - my first lay off ever, yay. surprised, sad, and lost now. looking for a remote SDR/BDR position now, my mom just started chemo so I can’t go into the workplace for a while and need to help her at home. If anyone can help with a referral or knows any open positions, please dm me. Graduated from UCLA last year, 3 months experience as a BDR for SaaS, hungrier than ever to sell and help my family out. Thank you!

For those who have passed the CIPM exam, what is it like (and how does it compare to the CIPP/US exam)?

Moving To Dallas this summer and will likely be looking to live/buy in suburbs. Any recommendations where to look?! Want to be central to everything and access to nature, in 300-400k range

COVID19 has got me really anxious about Passover prep in just a few short weeks.... 😬

Any junior strategy positions open in NY?

Any jr copywriter roles open in SF?

Solo trip to Puerto Rico. Any recs? Thanks fam.

WLB seems to improve after VP level at my firm. Curious if thats true at other firms 🧐

When my job is to handle all the corporations issues does it ever get hard to see the light at the end of the tunnel? Like that this business will survive? It will get its next round of funding? This litigation won’t wipe us out… something’s I just become very pessimistic about the future of the company.

12/2 Thread (BC):

What are the top 2 things you love about AWs? 2 “even better ifs”?

How does everyone cope with the quilt of leaving a job even though it’s best for you?
My job is understaffed and I feel like I’ll be leaving them down even though my mental health can’t take it anymore.

Hi, I am serving notice period and almost 38 days left. My current CTC is 4.25 with 2.6 years experience as front end developer (React). How much CTC should I expect..? I managed to get 10.5 as of now.

Favorite road trips out of LA for a 3 day weekend?

My flight is at 6:45am tomorrow Im in the north end - will uber/lyft be available at this time??

Why does Newark close tsa pre lanes? Terrible

Anybody just get an email from Gympass with a huge price hike?

$80 increase for Platinum
$100 increase for Diamond

ouch. I kind of suspected their model was financially unsustainable I guess I was right.

Parents - do any of you truly regret having kids?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

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?

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

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!

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

Really want to pivot into CRE. Would anyone be willing to provide a referral to a CRE company?

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).

Need a recommendation for a solid real estate attorney in Columbus, Ohio. Someone who specializes in rental properties and evictions. Any help appreciated. Thanks!

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

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

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?

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!

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?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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?

Any one knows what’s the easiest way to order a radon test for new construction?