Investors buying rental homes buy it as a primary and move and rent out the current home? I saw few ppl doing it due to primary rates being 1%low. What is the strategy to finance investment properties. Any tips?

Does anybody contribute non deductible $$s to their traditional IRA? Should I or should I not do it?

Anyone else into Bank Bonus churning?

Thoughts on buying a house now? Lease is up in January. Can finally afford to buy. But would it be better to wait until next year in case of recession -> foreclosure market -> better deals? WDYT

What is the best budget app? I have been using mint, but mint doesn’t work well with splitwise (which my partner and I use together).

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Building out private investment platform for a growing company. Where can I find example docs of allocation policies, expense policies, etc. in order to create my own? Are there any good resources?

How much are we expected to lose in this VPB post tax? Any ballpark percentage estimate?

What apps do you use to purchase coins such as XRP

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

Where should I invest my 6K 2020 Roth IRA?

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

How much should i save from my salry for securing post retirement life and all general commitments before that. I'm 30 now. Assume no Inheritance. Current in hand 1.85 lpm

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Thoughts on marijuana investing? Best investments, so like equities or funds?

Possibly legitimate or yet another failed altcoin? What do you guys think? -http://bitcoinr.org/

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

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

When does HSA contributions show up in BOA account? I’m seeing HSA contribution deducted from my paycheck but nothing on BOA account.. had three paychecks so far. Also, does Deloitte deposit a one time firm contribution to HSA account?

What is the expectation of bonus and increment this year. Share your views and thoughts

Visiting nyc over nye with family - is there any way to do a low key dinner at a restaurant or is everything ticketed

I worked 2m for startup company and absconded due to bitter experience from Jun'21 - July'21 , later immediately joined to another company Aug'21 to present(under notice period). Now I got offer with comcast and will moving on Jan'23. I'm bit worried because I don't have releiving letter for those 2m but all other records are clear with me(includes to company I'm currently serving notice period). I yet to reveal this 2m to my Hr. Should I tell and leave as such, Kindly pour your advice.

When is new office being planned in Pune?
Kolkata Gds got a new floor

Any TIPS on “how to not give up on finding a job”. After many final rounds and ZERO offers, I’m on the edge. It’s a horrid feeling to endure and to end it seems.

Hi Guys,

I got an email from talent500 to fill the details. After filling the details at walmart portal, I am getting "not relevant" button greyed out.

What does this mean? Pls help.

So, this is a little awkward, but I recently moved to SD for a fresh start, and honestly, I love this city. My problem is I have been more of a homebody since I moved here and I'm a little intimidated to go out and meet people because I don't feel like I fit in here. I am overweight and this city is full of active, and attractive people. I guess I am wondering what my experience would be if I got out more? I feel like people look at me when I'm in public because I stand out due to my size.

How much longer does shut down need to last for things to never be the same again? Is there still hope to go back? May? July? 2021?

My fiancé and I both have the CSR card and Freedom Unlimited combo and love them. We are thinking of adding another card and we were considering the Amex Platinum (to diversity transfer partners) or likely a United card for lounge access since we live in Chicago.

Does anyone else have both CSR and Amex Platinum? Would you recommend?

Any recs for good gyms around South End or Back Bay? I’m a 27F, looking to get back into lifting but also I want options for personal training.

Hi Fishes,

l interviewed for Deloitte (India not USI) in January, and accepted an offer letter with DOJ of 25th April, later HR asked me to join on 11th April for which I agreed. Now I haven't received the revised offer letter or any links other than BGV and Pre-Hire form from Deloitte and now the HR is not even picking my calls or responding to emails.

Any advice on what to do?

Can one switch from Deloitte India to Deloitte USI ?
If yes, what is the process?

Fishes,

Does anyone know about the IAAP diploma in IFRS?

IAAP is an awarding body in UK.

My doubt is, does the value of the certificate of IFRS change depending on the Institution?

Will a person who cleared IFRS from IAAP have same value as a person who cleared IFRS from ACCA?

Thanks in advance

Get rich or die tryin #50Cent #Crypto2018

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Has anyone created a good law school style outline for the CIPP/US book that they are willing to share? I’ve outlined about 1/3 of the book and it is just taking way too long...thanks!

So as a 30ish yo with a government/PE/tech background and CIPM/CIPP… I’m finding privacy work is just much easier and interesting than other kinds, but still pays plenty well.

Is it too late/inadvisable to go to law school to specifically aim for privacy work?

I just find some firms are unwilling to entertain the idea that anyone but a lawyer has anything relevant to contribute in this space…

I matched with a guy and we initially agreed to meet for the first time this coming Friday. Last Wed, he sent two messages on the app with suggestions but I wasn’t able to text back until Sat because I was traveling. He unmatched me. Am I in the wrong here? How often do you text people in the talking stage? (F in early 30s here)

For those that built higher end homes, what kind of appliance budget did you have?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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.

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

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

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

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

Do y’all do 15 year or 30 year for your portfolios? I personally plan to have a “job” or “career” for both the next 15 and possibly next 30 years, so should I just do 15 years to get a free and clear portfolio earlier? 25 year old and just getting started. Have a duplex in a major market (looking to refi out of FHA), and eyeing other opportunities now. I don’t “need” cash flow, so should I try to just build equity?

Can I get a commercial loan without 25% down?

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

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!