I’m planning to buy our first rental property.where do you I start & what should I look for to buy a property ? I have 80k in cash & my budget is around 600k.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

What’s the best city for commodity trading right now? Combination of opportunities, time zone, comp net of taxes, lifestyle...

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

Best cash back card to use in conjunction with CSR? Thinking about freedom unlimited (1.5%) but not sure if other cards are worth it. Don’t spend enough on groceries for the blue

Anyone out there using Wealthfront? Lending Club? Fundrise? CircleUp? (or their equivalents) - what are your thoughts? Safe vs. risky; firm compliance issues; preferred investment, etc. Thoughts?

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

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?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

hi Sharks

Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
Employwr contribution to PF is 9450 monthly and i think same goes from my contribution as well

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Finished Stern interview and think I have a good shot of getting in. Trying to determine if 200k is worth it for an EMBA? The debt scares the shit out of me. Thoughts?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

What’s the normal pay increase from SWE 1 to SWE 2. Not a FAANG company, but Fortune 500.

What level of Leet Code questions would one have to solve to be competitive at a top tier firm? Mid tier firm? (Easy/medium/hard)

Request you all to provide 11 likes to unlock the features .
Please

In audit room busy season love stories?

Hi I have offers on both gavs and broadridge on which gavs is giving me higher package. Which one should I choose

Hi fishes, has anyone attended Accenture Test Automation interview? Do they ask to write code or tell code lines???

Hi. Can i ask Axtria to match the offer with 20 percent hike ? I almost have one more offer of around 10 lpa. Axtria offered 8lpa for analyst role. YOE- 1.5+.

Hey All,
I finished a third round interview, and HR contacted me that afternoon saying I had positive feedback across the board and they would contact me the next day regarding next steps. It’s been two days and they finally get back to me saying they haven’t been able to sync with the hiring manager but will keep me posted. Honestly I wish they would talk with the hiring manager and then let me know the decision instead of checking in. It’s messing with my emotions.

Hi
Is cab facility free for cisco employees. If not then how much is charged.
Considering 2-3 days hybrid, what you all suggest for commuting
I live 7 km from cessna park.
Needless to say.. I dont own any vehicle as of now. Probably will plan for one. @cisco

Hi guys,
I was selected by DI and got a confirmation call from teh HR discussing the CTC and other details. But she has not shared offer letter and has given no update since past 3-4 working days. What's up with this ghosting and what does it even mean?

Brought too much pears from Costco. Trying to pimp them out to my family.

Who are the top consulting firms for competitive strategy?

What's the average pay increase for a recently promoted audit senior?

How do u deal with a co-analyst/associate that doesn't copy you on stuff that you worked on to your MD

I had here about Walmart company has us health care now if the news is correct so I do have a plus year of experience in same domain and currently working as a lead analyst in your health care company and looking for the change if you have any of me please consider

Change Requests: “Am I the problem? Me? Nooo. Well?”

PMs/ Resources/ Schedule: “You are absolutely the problem”

PHEV (specifically, RAV4 Prime) yay/nay?

Expected use case:
Family car
Low mileage (<10-11k / yr)
4-5 days a week expecting less 30 miles per day
Weekends 100-200 miles altogether (occasionally)
Rare road trip use (1x or 2x / yr; <300 miles one way)
Have garage (to charge at home)

Chief Concern: "Best of both worlds" in engineering can mean compromises and complications, which can mean non-resilient/unreliable. But I'm no gearhead, so not sure if I'm making massive incorrect assumptions.

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?

My partner and I close on our house this Friday at 9am and I’m just so happy. I’m a public interest attorney and we worked really hard to save. This was after 10 offers. Just wanted to share 🥹

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

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

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!!

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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!

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.

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).

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

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

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 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?

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.