Is buying real estate (purely for appreciation, not any cashflow value) still a better investment than bonds? I’m seeing RE value up 4-5% YoY (solely looking at appreciation), and after deducting everything (down payment/mortgage difference/REA fee) it doesn’t really come out to as high as I though it would. When I look at current bonds, the rate is on par, if not, even higher. Am I misreading something to think bonds could be a better investment (for a 2-3 year length).

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

How long of a commute would you consider to be too long? First year associate trying to balance convenience with living more frugally to save up some more money.

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

What are currently the best Canadian credit cards for travelers? Looking for Aeroplan or bonvoy points or companion tickets

Hi all. I just received an offer for $130k and will be eligible for about 29,000 shares of stock options. The vesting schedule is 1 year and then quarterly thereafter.

Can someone explain what this means? I “will be eligible”. So, I have to buy the shares? Should I be asking at what price?

Newbie here. Please help!

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

How much have you saved from refinancing your student loan?

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

If a company matches 50% of 401k contributions to 6% of salary, does that mean they’ll put in 6% if I put in 12% or will they put in max of 3% on my 6% contribution? Curious what their wording means

Making $37 hr full time with benefits. Chattanooga Tennessee

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Hello Fish Friends! Does a PhD count as project management experience?

I have an offer accepted from Elevance 125k (Anthem) and w a good team and seems that WLB would be ok. Also, Amazon hiring manager wants to interview me for a job. Is just a hiring manager int. so obvi nothing guaranteed. Salary if offered will be more than 150k. My question is should I accept the interview and see where it goes? Is it really worth it to proceed with a company like Amazon for 25k+. I live in CA so $ is imp but I do have a toddler so WLB is also imp. Both role are Sr. MGR.

Anyone know if Facebook did the new Oculus go spots with celebs in house? The one with Jonah hill and Adam Levine was solid. Made me chuckle.

Currently staffed on a project near Reading, anyone up for dinner one of these days?

Hi what is the salary package you can expect for 10+ years expertise in Dassault system

Hi Fishes

First step portal is not working properly for me , tried multiple browsers to download some docs from there, any idea if there is any specific version of browser it allows?

Thanks

Is there any easy way to handle FedEx/ups tracking numbers? I’d like to have some formula that would just show the status in another cell.

Where are my consulting /advisory people at ? Does anyone feel like not much work coming there way but some pressure to still be billable ? I’m getting an odd vibe lately but could just be me

I have resigned from EY GDS on the e-exit portal a few days back. What are the next steps that I need to do.
Also, when will I get a mail to submit my assets and for any other formalities.

Do you think independent agencies will be in better shape to handle COVID-related client budget reductions and/or losses?

Or does it not matter and layoffs are equal across the board?

Hey Fishes,

Will ECBA (Entry Certificate Business Analyst) certification by IIBA be helpful to me in my career ?

My background-
* B.E in Computer science
* MBA in Systems and Analytics (2019-21)
* It's been 6 months I am working as an Analyst- Data science at Infosys

I'm working in the US under H1B, I got a chance to face an interview for another company. My current company started the PERM application also and results will be out within the next 3 months. Is it okay to transfer my H1B to a new company? Can my H1B transfer be denied? How long will my green card application delay if I move to a new company and start to apply for a green card from scratch?

What is annual hike in ey gds in risk advisory senior role

Any agencies hiring? (Planning on staying away from Rogers and pharma)

What agencies are hiring for junior consumer roles?

What’s in welcome kit for the new joinees ?
What’s the update on office opening ?

Does it matter which interview date I select for schools? The last day offered for one of the schools is best for my schedule - does taking that slot hurt my chances?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

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

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

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

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?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

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?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

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!

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

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)

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.

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.

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?