Looking for some advice here:

My wife and I consider ourselves partial first time home buyer, we bought a duplex a few year back and finally plan to buy a single family (keeping the duplex). Our financials on buying:

- My income 138k base + 10-25k bonus (in Y5 in B4, no plan to leave
- Spouse 78k (teacher so scales 2-4k a year maxing at 100k)
- we have a child and expect to have more so daycare 1400-2200 a month
- duplex cost 4,000 a month, 2 rents 5,500 (relatively conservative)
Cont..

If I have a six year old and 150k in a 529, can I say I’m done?

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

I'm remodeling my apartment and am debating on heated floors (kitchen and bathroom). Worth the spend?

What is the most you've invested into a single stock?

What is the biggest loss you've endured?

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

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. Also, any regrets?

Does anyone know the plan between the Chase Marriott card and the AMEX SPG?

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

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

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

I’ve been in and out of GME puts making money on the rise in price. Yesterday bought contracts for Mar exp at strike price $6 - made over 1k today. Entry price was .22 per contract. There are a lot of different ways to profit from the meme stocks. Trade your plan.

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

Will be starting a new Job with Visa (credit card) in western Europe soon as Business Dev Director - I am worried about job security as I have family, mortgage .. how stable is the payments industry

How to transfer PF fund from hcl to epfo if i was a non pension member???

What stocks are you betting on for 2018?

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Is Infosys still looks for percentage in X, XII and Graduation for experienced? What percentage they look for?

Recommendations for hotels in Portugal?? Preferably a Marriott branded hotel. Planning a 5 day trip to Portugal in April.

I’m looking into exiting consulting and moving into product management. Picked up a few books to read. Would a PM certification provide a lot of value? Any other tips are appreciated! Thank you.

Looking for full stack developer to join my early startup. We are a small team but hoping to grow a lot this year. Must love books and geeky stuff

Got my dream job entry level opportunity, 1 year out of undergrad. 70% pay bump, awesome company, extremely interesting subject matter, the hard work paid off. Im without a doubt accepting, but I am now feeling some tangible / physical anxiety over the likely significant shift in my WLB (and life), putting my two weeks in, working at a company nobody I know has worked at, etc. I start in a month. Anyone felt like this before, or have any advice for how I can adjust my mindset?

Wondering before I dig down the rabbit hole that is SAP, what are some typical exit opportunities for a senior or manager for SAP MM? Concerned about pigeon holing into SAP implementation forever.

For someone earning 11 LPA fixed in India, is 50K Euros in Germany a good package?

Numbeo says it will be equivalent to my current salary, however tax deduction will be higher. Thoughts?

How much time does it take Kyndryl to release offer??

Had a serious debate with a hipster last night. Was there anyway for America to get all of the idealistic benefits of Bernie Sanders without losing half my paycheck? Solve that and i'll feel the bern

Is there a need for freelance community managers?

Thoughts on Micromass?

What’s the average hourly freelance rate for digital art directors with 3 years of experience in NYC?

Looking for some guidance/ input regarding salaries...
What's a good general range for a promotion to Marketing Manager who would be overseeing all national (USA) marketing for a Global company?

In-house, 4 brands, based out of our LA office.

Thanks!

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

Hey everyone, just got this new job as lead generation agent, and I'm having trouble booking the calls and meeting my goals and the company's expectations. Any advice on how to get leads?

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

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

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

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.

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?

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?

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

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?

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

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Is it common for HOA to ask you to prove your car registration is up to date?

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

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 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)

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

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

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!

What's the best city in UK to buy a buy to let property, with best returns?