I’m based in London. I can get £300k for 25 years, on a 5yr fix at 9.4% by taking equity out of my primary residence. I’m planning to use this cash to start BRRRs in north of England - is this too expensive for finance given base rate is 4% atm? I’m targeting 30% to 35% return by BRRRs. Am I being stupid considering this?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

Hey, new to investing looking at initial mistakes I made. I have $1k in VOO, $7k in VT and $4k in VTI in my brokerage acct; in my Roth IRA I have $6k in VT and $7.7k in VTI. I know isn’t an ideal portfolio because many of these funds overlap. However I’m in for the long term and am willing to reposition to a strategy that will do the best over my life. Id appreciate to hear feedback on these 2 accounts and better approaches from others. Thanks!

Hey 🇬🇧 🐠,
Has anyone ever invested in an EIS or VCT?
It appears to be very tax efficient and was wondering if any had any experience (returns, good fund manager, ...)to share ?

Curious to know what other avenues people have taken in our industry to make more money. Currently getting OT which is nice since most places don’t offer that benefit but still doesn’t feel like it’s worth the long nights when the paycheck comes in.

Have 20k, what’s a good small business to start with this fund? Serious question here

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

What is cost of leaving near Bagmane TECH park Bengaluru?
1BHK house rent?
#Bengaluru

If my company is deducting tax on reimbursements for example relocation, flight travel, mobile usage, etc. Then how to show in tax filing? bcoz as per my understanding it should not be taxable as I am using my money and company is refunding and no extra income. It's like I have already paid once and while refunding company again deducting. Please guide on this issue.

Just moved from US to USI, do you guys know the preferred banker for Deloitte in India? I need to open a bank account but not sure which bank to pick

What salary would you feel comfortable buying a $100k car? Trying to gauge how bad of a decision that would be…

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

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.

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Thoughts on debt finance vs. capital markets for lifestyle?

On average, how long should it take to prepare a position statement to the EEOC? Including fact investigation.

I’ve been in my current position (Bookkeeper) for 4 years now. I’m highly interested in taking the PHR, and I’m wondering if I would qualify for the 4 year HR professional job requirement to be eligible to test for the certificate. I work for a small business, therefore I do all the on boarding paperwork/payroll. Any advice is appreciated.

Urgent ,i need a job going through hard times .Single earning person . please help

I mean no offense to the creative team working on an obviously tough client, but the new Liberty Mutual ads are KILLING me.

Will TCS change the work location before joining. What is the process

Anyone have book/podcast recommendations on creative leadership? Or on leadership/managing in general?

Is it bad to have student work on your portfolio when you already have been in the industry for a little while? I just think that my student work is better than my real work... mostly because of the clients that I work for.

Anyone use Adobe Captivate Prime as LMS? Thought on it?

Comforting others:
When someone tells me bad news regarding their health, I say everything I am supposed to say (I’m sorry to hear that, I’m here for you, etc) EXCEPT “everything is going to be ok”. Because I can’t guarantee that and I really don’t know if everything is going to be ok. I was taken aback recently when a friend told me I am calloused and cold-hearted for not being able to say those words. Is she right? Should I start saying this for the purposes of providing comfort only??

What is the average salary for a project manager at a social media agency? NYC-based with 5 years experience.

How is optum for java 6 years of experience interms of wlb. I want to know the sprint howmany days and howmany days release will happening in project?

Does wipro provide JB?
Should we stay in campus for more than 8 hrs?

Hi fishes, how many days will it take for wipro to release fnf settlement from last working day??

Hi Is our job in danger ? After the quarter results declaration? Has wipro undergone losses? They have kept contract to hire cases on hold as well.why so?

Everyone’s so focused on Airbnb and Doordash lol. Nobody’s talking about C3.ai though 👀

SO and I moved to Boston from Texas in January and I absolutely hate it here. Looking for suggestions, words of encouragement, anything to change my mind and enjoy it more!

Would any CDs at Preacher or GSD&M be down to take a look-see at my book-see?

Which Mckinsey office in the Middle East is hiring? Does Dubai office still hire experienced hire now?

Not enough people understand mountain driving etiquette - if you see a conga line of cars behind you it’s because you’re slow and you should pull over at the next available turnout and let them pass.

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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?

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

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!!

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

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

I closed on a new build a few weeks ago and now the same home is available for much less with the builder offering all appliances, additional credits, and buy down of the rate. Is there anything I can do to get now? It seems unfair that I paid more and didn't get the incentives.

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

How can I invest in real estate ? Looking for an additional passive income source

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

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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?

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?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

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.

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

About to get a home improvement loan. Any recommendations for a lender? Also looking for general advice. TIA!

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?