I’m in my mid 20’s in MO and in ~10 years, planning to build a 2000sqft home with a detached woodshop on a couple acres. After pricing everything out, it’s looking to be a ~$600k-700k investment when it’s all said and done.

I’m currently in home improvement sales making ~$100k annually. $150k combined household income. With experience as a home inspector, I plan to begin my real estate investment journey this year (depending on the market) with flips/rentals.

Any advice for the road ahead?

Maxed out Roth IRA contributions when I wasn't eligible for 2021 (got a salary bump mid year). Do I need to recharacterize? It's a very small account that's been open for only two years. That's the only IRA account I own. Do I need to open a traditional IRA and roll over 6k + realized gains into that account and keep the Roth IRA. So confused how this works and got conflicting information from Merrill.

Amex platinum vs CSR??

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Is it good to invest through fisdom app in mutual fund or suggest better way

Is now a good time to buy a house?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

Anyone get public service loan forgiveness? The stats of only 1% qualifying is always wild to me. I know people have made blatant errors (not make sure their jobs qualify, not consolidating their loans, etc) but still....

What actual stocks you all buying today? Got some cash from settled trades I want to deploy

The only thing I truly care about is money and I’ve tried hard to not be this way but I can’t help it. My parents came from nothing and I refuse to ever “feel poor” again

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Should I take an L on Paysafe? Feel like none of these SPAC stocks are going to have upward movement anytime soon

Thinking about buying first home. ~$600k. How was your VA home loan experience? In a competitive market, was it a weakness? Is it an issue with lenders? Do I need a RE agent well versed with them? THX

If I invest in Eth today, would it be smart? Or should I wait till it cools down?

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

ELI5: back door Roth and mega back door Roth. What are they, who do they benefit, how to realize?

Anyone had pay review conversation. How much is hike/bonus

Hi fishes, do qualifications like B.E, BCA or BSC decide the CTC?

Guys what is the ideal minimum CTC at which we can join TCS and settle for rest of the life ?

So I had been working as medical interpreter up to the early part of this year. Today, during an interview, the Director with whom I was interviewing genuinely urged me to consider pursuing a career as a PA or even attempt to go to medical school. I had considered it in passing before but today was about the third or fourth time that someone had earnestly nudged me in that direction. Has anyone here made such a career pivot before? I love working in healthcare, there’s nothing like it.

What social media platforms are you using? General age would be helpful too.

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?

How much are Senior Associates/Principals making at small PE shops?

Any contract attorneys who handle trademarks looking for some work? I have a few office actions I need to respond to. Will pay on a hourly/flat fee basis.

Free Makeup Session for the Holidays from a Professional Makeup Artist. Located in the Upper East Side! Please reach out for anyone interested!🎄🎄🎄🎄🎁🎁🎁🎁👩‍🎨👩‍🎨👩‍🎨👩‍🎨

I need some good career-development or finance-related books, anyone got any recs?

May not be the right bowl but I need insights. Guy likes me and vice versa, was over at my place helping with something, had a huge erection but said or did nothing. I can’t figure out why..

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Tough investing market out there!! What are some investment strategies to consider during these times?

Thoughts on credit funds? Immediate start offer is tempting.

Looking for 2bd or 3bd with garage rent of $2,000-$2,200 ready to move in after July in the Orlando,FL area if anyone has any info. Please let me know! Thank you!

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

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

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?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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?

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

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.

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.

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Any Property Management recs in Seattle area? :(

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

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

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.