If you had $10,000 in savings and the ability to save a thousand to $1,200 a month would you put it in some sort of investment vehicle or keep it in savings to go towards a down payment on a house?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Confused as to how I should be buying more ETH. I have a Trezor, but would like to stake it while also having it be as secure as possible. Any advice?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I lost a lot of bitcoin sometime, had to file a claim @recoverydome. I was given some great tips and insight too. They could also give you some clues to work with when you HODL

Hi Sharks
I am 25 years old with in hand salary of 1L(just from last month) and i want to buy a term insurance plan. My questions are:
1. Is it wise to take 2 plans of term insurance one with return of 60 years and another without return of 80 years of each 1cr.
2. Is it wise to include health riders in insurance plan to claim for 80d or just chose health insu
3. How much one can ideally shell out for insurance per month (both term and health) for self in terms of percentage of monthly income.

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Hi new to crypto! What apps/sites would you all recommend to start investing? I have Robinhood but it doesn’t have a lot of the crypto options

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

Why does the purchase agreement call for a FIRPTA when no real estate is being purchased?

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.

2019 Hot Take #1: Mutual fund outflows will continue and accelerate if the market pulls back.

Hey y’all. I am starting a YouTube video and I am about to shoot a video about bank accounts. If you were an audience what would you like to know about your bank account?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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.

How do filmmakers find investors?

Could anyone please clarify this?

Is the tax exemption limit (of 25000) under 80DDB for both parents or 25000 for each parent?

So in short - 25K+25K = 50K for Both Parents or is it just 25K for both.

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

I asked mindtree to revise my compensation by informing of the counter offer and surprising they provided me the CTC i requested without asking for proof of counter offer. Is this something skeptical ?

Networking ... 🙌 You have likely heard this since your day 1 at D. Doing good work isn’t enough at D. Connecting with the right people can make or break your career at the firm. How are you continuing to build your network considering the indefinite move to virtual / remote work?

Looking for a SAP HCM functional consultant job in bangalore or wfh 4 years exp

Phr vs waiting for sphr?
Taking the credential and want to prep.

Hi Fishes,

Any opening in cyber security domain.
Yoe - 6
Skill set - risk assessment, cloud security, Vapt , threat modelling

Pls give some lead. Thanks in advance

✨Q for Recruiters✨ When it comes to emails for jobs, do you care about the old school, “here’s why I’m qualified” & bullet points, etc., or just cut to the f*cking chase & attach resume & link?

Anyone else’s team experiencing heavy attrition? I’m unsure if I should start looking for another job or if that’s being too reactionary. I also really like my job currently but there are so many unknowns with so many people leaving.

Casual winter: Lululemon joggers, and chinos.
Casual summer: ?
Specifically summer casual shoes?

Do you think you have to be an extrovert to succeed as a tech recruiter?

Hi please give me guidance. I am studing for far. And it is sooo much material. I am a tax person so it’s a lot. I am done with chapter 3. I have off until this Thursday. I plan to take the test beginning of august. My goal was to complete the video/ chapters/ and do a first go at the questions during my time off.

How is the Work & Life Balance and should I expect lot of pressure at J.P Morgan for HR Role?

And what Salary package can I expect with 6 Years of HR Experience ?

Anybody have any dramatic resignation stories to share (you or somebody you know)? Am having one of the days where I am just sitting, fantasising about handing in my resignation letter.

Good Morning. I am looking for opportunities in revenue cycle, preferably remote positions. If anyone has any leads please let me know.

So, last year, our GSA died of its own weight. This year, in addition to everything else I’m doing, I’ve been approached by a number of students to resurrect it. I am thrilled.

It's that time...🦃

What's one thing you're grateful for in your life or career at the moment?

Drop it below! 👇

I am moving to Pune next month . Office is in EON IT Park , can anyone suggest good localities around Kharadi. Since I’ve heard Kharadi is bit expensive , I can stretch about 6-7 kms . Requirement- 1 bhk fully furnished, Budget - 20k .
Mumbai -> Pune

Hi everyone! I'm currently looking
for an entry level tech consulting
position! I graduated in May 2021 with an MIS degree and started working as a client specialist. The work is not challenging enough so I'm looking to make a change. If anyone would be willing to chat for a bit about roles
available at your company and maybe
even refer me that would be great!

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?

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?

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?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

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.

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

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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.

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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. 

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

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

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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 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

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

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

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

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