Looking to buy second property sometime this year. Is it a good idea to use equity of first property for down payment of second property? I have about 20k saved up but want to use that for emergencies. Also to note first property will be fully occupied with two tenants by February. One tenants rent pays mortgage and second rent will be put away for rainy day.

What’s the best/easiest trading platform? I use Vanguard for my actual long term holdings but it’s not the easiest. I want to open a second account and use it more for active trading on my phone. Looking for something with simple UI. Any tips? Thanks!

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Can I get a commercial loan without 25% down?

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

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Hi guys any one dealt with DeVere for managing his investment portfolio, how was your experience?

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

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

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

How much have you saved from refinancing your student loan?

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

Anyone have slow months where you burn through a lot of your allotted pro bono/professional development hours to keep hitting minimum daily hours? The past few weeks have been like this for me. Should I be concerned (I.e., will this reflect poorly on me, come review time? Will I have dug myself too much of a hole if I keep burning my non-billable hours?) I’ve been asking partners if I can assist in any projects so I can fill my plate, but I’ve only gotten small (4-6 hour) tasks handed my way.

I am in the process of finishing up my MBA but considering also getting my SPHR or PHR cert. Is it even worth it or a waste of time and money?

Has anyone received band progression mail ?

Anyone here a member of a either the Commerce Club or the Buckhead Club? Considering joining but curious to hear more about them.

KPMG folks, thoughts about Lighthouse relative to other big 4s? About to start the interview process. Coming from EY FSO DDnA

Partner: Let’s take the data in the spreadsheet and put it in PowerBI so we can cut it up.

Me: What? It’s already cut up in the spreadsheet. I don’t get it.

Also me: Yeah! Analytics!

What are some interesting non-tech/insurance/advertising/consulting careers where data science is applied? Thinking of epidemiology and economics

Any CLT,NC businesses looking to hire for a Junior level Full stack developer / Junior Front-End Developer/ Technology Associate /Systems Engineer entry level / IT Support Engineer??

If i am a fresher in cognizant and worked for 2 months and have got better opportunity can I abscond from same as the other company is asking to join immediately

Anyone with experience working at Endpoint Closing? Wondering what the culture is like

I am not sure who needs to hear this but exactly one year ago, I was at my lowest point in life. Today, I’m the happiest I’ve ever been. Life has truly been a rollercoaster these past few years for me.

I am sharing this to tell you that no matter what you’re feeling right now, it won’t last. Even the happiness I feel right now, I’ve had that stripped from me multiple times. That is LIFE. We have the good and the bad.

Hang in there if times are bad. If things are good, prepare to lose it too.

Hello recruiters, happy Monday!

I want to know why recruiters ask me in an interview if I am looking at other opportunities, or if I am interviewing at other companies. If I say yes they will ask at what stage I am.

I just want to know the reason behind it and if there is a right answer to this question!

Trying to restructure the benefit package that is currently being offered at a Construction company. Curious what everyone's standard benefit package includes in detail. TIA

Anyone looking for a Sr Business systems analyst? 5 years of experience in System Integrations as lead BA and scrum master.

Looking for CSM (Customer Success Manager)/Senior CSM or similar roles. Please suggest

How can I properly show my interest in a particular area of law? Here is the context: Lately it became very obvious that the company is about to go public when they hired a securities attorney as the new GC. She is great to work with and provided my with valuable feedbacks. But there is one problem: she is not involving me in any of the fun work. What can I do to show my interest and get to learn what she is doing?

Anyone golf here that wants to play some time - I’m up in north county but would play wherever . Let me know

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

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

Someone asked me if it’s a good time to sell vs buy. So I explained that we’re in a seller’s market, then realized i lost a potential buyer. To what extent should I be transparent in this market?

Has anyone bought property where the EPA has remediated the site for lead contamination in the soil? If so what’s your experience?

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?

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

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

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?

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?

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

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

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?

Do you thank your tenants for paying the rent? A quick thank you text?

I’m in Dallas and have been renting for 5 years. I don’t have any savings, but have about 30k in my 401k. Im thinking about leveraging that to buy a condo/or house. Is that a good idea or am I in over my head? I mostly want to, because I’m tired of renting and I’ve read reports that prices will only continue to go up. Although, I will have to pay back the 401k + pay rent, so maybe not a good idea. Advice/resources would be helpful.

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

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?

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

Does buyer have to share appraisal with seller? Can seller request it?

I joined a real estate team & I was expected to show up at 9:00am sharp every single day. Is this a common team policy?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.