Its been 10 months bought my first home at 7.5% rate. Couple of landers reached out and tentatively offering 6.5% of course they haven't run credit check yet so might go 6.6-6.7 I guess, but does it make sense to refinance now or should wait until Sep as expected rate cuts might be on the way? Also planning to reduce loan amt from 400K to 300K while refinance is it right thinking?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

If I invested a small amount through a SAFE and the company is now kicking off a seed round that will be a priced round, should I invest in more in the company before or after this seed round? Assume I have the money and the risk appetite - just want to know if my money buys more before or after the priced round.

Will mods hurt the resale value of a car? I'm considering selling my daily and am debating on whether or not I should put the effort in to return it to stock.

The account dropped the register down the flight of stairs and it shattered into a million pieces. Fear not the account says, for it was already depreciated to $0.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Have you received the salary today? Got the mail now but no credit yet in account 😕

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Im single and will be 30 very soon. I have an emergency fund and a good amount of money in the market. I love the idea of maximizing savings but I’m sick of roommates and will getting my own apartment in the summer. I am torn between saving as much as possible in a less expensive 1 BR and getting my dream apartment. It’s a difference of ~$400-600 per month. Help😩!

How to check what is there in full and final settlement as they just sent the amount to my account...not any mail or anything to check.

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

If your close family (siblings, parents) are having financial difficulties, do you help them out?

I'm not talking having difficulty to buy a new car, but to pay for health insurance, rent, buy food, commute to work etc.

Looking at getting out of consulting and buying a business using an sba loan. The business in interested in has been around for over 20 years.

Asking price is 800k
Gross revenue is 1.3M
Net profit is 260k

How difficult would it be to secure an SBA loan for the entire amount?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

Safest wallets / exchanges for buying VET and safe moon? 😭

PR agencies: why are we even talking about going back to the office before a vaccine? Our jobs can be done 100% remotely with no negative effects. I’m confused why there is such a focus on talking about this right now

AMDs out there, what’s your current salary? I’m going into my review asking for a raise and looking for a baseline. Share if you’re willing!

Looking to relocate to Boston (fiance grew up there and wants to settle down around family). Sadly I dont have much of a network up there. Does anyone know of current searches?

Hello, I’m wanted to move back to London. Can someone recommend a few good consulting recruiting firms to reach out to? Thanks!

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Does anyone still play StarCraft?

For those of you without a home office: Where do you usually work? My desk is in my bedroom and I’m considering sacrificing aesthetic to move my set up elsewhere

What are y’all thinking about Kanye West/Ye?
Adidas following others dropped him today for his consistent anti-Jewish stance.

Are your students talking about it?

What kind of companies open to hire on H4 work authorization? Does it include startups?

Hi Fishes,

How many rounds do HSBC generally conducts for Consultant specialist role?
I had my APTA and Technical within 2 days but now waiting for 4 days for further communication.
Can someone help me here.

Thanks

Is there anyone who got converted from vendor to HSBC? If yes, how much% of hike HSBC offered)?
Thanks in advance

Hi guys,
Do we need to carry printed affidavit stating no criminal offence notarized on stamp paper on joining date of TCS ?

Is american express odc in phase 3 pune?

How do you justify the ethicality of Airbnbs often accelerating gentrification and housing inequity in many cities? Do you weigh it against the GDP brought in by travel?

Question. Court case reveals a security breach of an associate. Should the firm be notified?

Tips to clear AWS solution architect professional exam. No background in AWS

What documents should I ask my insured for in slip and fall cases in the initial email? Thank you

Need 11 likes for DM pls support

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

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

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.

Any one knows what’s the easiest way to order a radon test for new construction?

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!

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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.

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!

Can I get a commercial loan without 25% down?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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

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?

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

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?

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

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

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

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?