Looking to buy a place for CAD 370K. I can pull together the 20% to save the mortgage insurance which will be around 10K (plus the interest on the higher amount). Alternatively, I can put less down payment and have that as my emergency fund in case there is a recession. Any advice?

Why do people accrue prepaid expenses?

Morgan Stanley or Schwab? Which brokerage should i choose?

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

How much percentage of your Salary do you Save/Invest?

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

Hi i lost majority of my money in the stock market. I married and promised my family that I will not make the mistake I made 7 years ago. Gambling. Is this an addiction I have. I keep selling stocks and taking loses buying other stock hoping it will recover but never did and sell again taking loses and buy again. It now sink in to me. I borrow personal loan hoping that the market will do k and I pay it back but I even lost that. I can't stop crying that I hurt the one I love the most my family.

I am going to buy AntShares aka NEO bigly. It has a potential to go to 100$

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Anyone have specific financial goals they're willing to share and how to get there? I'm 30 yo, l10 and $$ gives me anxiety. Currently making ~$95k with $30k in brokerage and $30k 401k. Or, tips for not stressing out that I'll be broke in retirement? Should I make a lateral move out at some point and target a $250k salary by X age?

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.

Ally bank dropping rates again. CD a good choice?

Guys ..
When will final settlement take place? What will be the components of it?

If I finish my MBA with extra loan money, should I pay it back to reduce the principal? Or invest it into the market? From my perspective it seems like it makes more sense to invest since the market is likely to generate more than my current loan rate. Although having debt also provokes some anxiety.

For additional info: my loan is a private loan of ~100k at ~5.2%. I have no other debt.

Can you have a nanny while in h1b and pay taxes ?

Money Transfer - what's the best way to transfer money from India to the US? I have an NRO/NRE account but the only reservation I have using it is that they don't give a good exchange rate.

Any advice, suggestions and recommendations of other apps that have worked for you? Thanks

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

I have to have an official ADA convo with HR about requesting to continue to WFH and not move back to NYC. Has anyone gone through this process?

Recently got my CPA license in August & considering leaving public accounting for Industry. Should I expect my new role to pay for my CPA license renewals/AICPA membership/CPE classes? These things add up &I feel like should be considered when transitioning. Thoughts?

Anyone looking for a job change? DM me for a Deloitte referral. We are hiring numerous positions across the country.

Please help me with 11likes! 🙃

Buy/lease now or defer to Q1-2023?

My car broke (engine seized, 10y old). I am interested in 530i ($62k price), however 3year lease is $1,000+ monthly (with $5k down). Monthly lesse payment is 50% more than bmw advertised offers (“south FL dealers are not participating in the program”)

Q to car gurus/experts- should I defer purchase/lease for 6 months? My logic, the impending recession will reduce demand and we will go back to more balanced market (lower prices with negotiation).

Masters only patent agent in life sciences, worked in house for 2 years as a paralegal, patent agent for one year now. What should I expect for salary in NYC boutique/big law ?

Does anyone know about H4? I have approved I140, do I need to have my employer to sponsor H4? If I change jobs, would I still be able to apply H4 for my spouse? TIA!

Anyone working in Wells Fargo know about Loudspeaker program? How that is for growth? I have a good offer from them and good hike on my current compensation but not sure about the role.
And the position of Senior Business Executive Consultant is in what hierarchy ? I have 8 years of workex (MBA).

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

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.

I’m one of the top performers in the company and got invited to the company’s emerging leadership program. I always meet all my goals and deliverables on time but still feel like half of the time I’m not even doing anything (or performing my best). How do I leverage this ‘off-time’ into something productive in order to progress faster?

How is it like being part of the Working Capital team? How does the daily work look like for consultants?

I love international tax (in core) and don’t mind compliance at all but it’s been nearly 100% of what I do. Any ways of balancing out with more structuring/planning?

Some background: there’s only 3 of us IT locally and with the departure of our SM, the little structuring/planning work I do see will probably dry up when they leave. Do I network with other bigger offices to pick up that kind of work?

I've my eb3 priority date of April'19. In how many years could I possibly expect to get my GC realistically?

Anyone use Freedom Boat Club or another boat membership in Chicago? How much is it and any pros/cons?

Any insight in salary range for 5th years at Akerman?

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.

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.

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! :)

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?

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

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.

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

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 is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

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!!

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 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)

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

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

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?