Looking to get into investing in Real Estate. I have been reading a lot about not using my own money but instead using private lenders or hard money lenders to fund the property and then some how switch it to a loan with a traditional bank? Has anyone had any luck doing this? Or any recommendations for a newbie to the real estate market?

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Need some advice on renting here in ATX.

Back in May 2021, I rented a property that had sustained damage during the big snow storm. This wasn't disclosed at lease signing. The home leaked every time it rained, mold was found in the home & the LL failed to make repairs that resulted in me falling down a flight of stairs. I moved out& rented an apt for 2 mos before signing a lease on the house I live in now. This house has a serious big problem& I've found mold here too. Continued below

Amex Platinum or Chase Sapphire?

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

I’ve gotten massive returns by making huge bets on good coins. XLM is my current darling: FairX, ICO platform, partnerships, use cases and fast payments.

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

where is the best place to sell or trade in my used car? (2019 van low km’s)

Porsche IPO worth buying now amid market and economy turbulence?

Financial literate people of the bowl, in your opinion, what should be your net worth to buy a Rs 10 lakh car?

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

Where do you guys go with new money under an advisory minimum for a year or so? Multiple clients saving 5-10k per month. A sh., C sh., ETF’s, other? Believe it or not, I don’t push WL insurance to all

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

Do you use a tax preparer? How do you find a good one? Do they need to be local?

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

What you prefer to tell when people ask your income?

I usually prefer in hand salary 😇
As CTC and in hand after tax deduction is too much different.😑

If i say i am earning 45 lakh people are like wow man so nice earning...

If i say i am earning 1.5 lakh per month
People are like baju wala builder bhi itna hi kma leta 😂

Par kaise btayein ise ki baju wala builder 12 lakh tax nhi bhrta par ham bhhrte hain 😥

#Tax payers ki khani unhi ke jubani

Thinking of buying ALL coins for $1000 each. Am I crazy?

I would like to know how much will be in hand for London onsite from tcs for an IT Analyst.

I am planning to travel with spouse and 3 year old kid. Wondering about savings as well.

Any guidance is appreciated!

Diamond medallion on Delta. They lost my bags on the outbound (3 with my wife who is Plat) and inbound flights (1) on a trip to Europe. How many points should I expect? Any advice to deal with this?

Are MBB people ever willing to refer someone they have a connection to but don’t personally know (same school or previous employer but haven’t talked to them before)? If so, what makes them likely to refer someone with this degree of connection?

Does anybody work for Comcast? Interviewing for a Strategy role and wondering if anyone has thoughts on culture, WLB, caliber of coworkers, etc.

Could someone please refer me at JPMC for Java developer with 3.1 YOE, if you can. LWD Oct 26

McK 🐠 can you work in PEPI practice in any office? Anyone in PEPI in the Midwest offices willing to chat? I’m currently in a T2 firm PE practice.

How would you rank CHWTIA?

My ranking:

1. Accenture
2. IBM
3. TCS
4. HCL
5. Wipro
6. Cognizant

What would be your ranking?

Hi all
Any openings in Goa location?

Hello Geeks

Please help me out to pick the best company.

WellsFargo :36 including 10%variable
Coupa: 34L including 10% variable and 3L JB,3.3L stocks (10Lakh total stocks for three years)
EY: 38.2 including 10% variable
CNH :40LPA with 11% variable
One Small product based company setting up their office in India offering 40 fix and 5L JB and equity in the company.


YOE 9.7 CCTC: 20LPA

Considering a Product Owner role. Any best practices of what questions to ask during an interview? First phase deals with a virtual Teams interview with the recruiter and her manager on Tuesday. Excited since this is a hop from a Product Analyst role and entails an offer of over $30,000 from what I'm getting now! This would be a permanent full-time compared to my current contractor role that ends in March.

Wipro is hiring for Senior/Lead DFT Engineer
Experience: 4-12 years

Expertise in DFT Methodology like Scan and Test Access Mechanisms
Knowledge in RF/ Mixed Signal circuit design
Experience in Pre-Si Verification using SV/ UVM
Experience in Gate level simulations

Work Location: Bangalore, Cochin, Pune, Noida

If anyone needs referral for Novo Nordisk hit me up

Do you guys think that our country is being heavily militarized?

Hi Creatives! What tool does your Resources Management team use? Also, what software are you using for creative workflow? Also include if you like it or if you have any favorites. Thanks in advance.

I would like to know how much will be in hand for London onsite from tcs for an IT Analyst.

I am planning to travel with spouse and 3 year old kid. Wondering about savings as well.

Any guidance is appreciated!

Finally, closure. I now understand the "not creative enough" feedback from McKinsey.

I know, too soon! Tasteless, Smug, Self Gratification, False Self Conciliation..... Haha

Seriously, shout out to all the great people at Mck having to suffer from the stupid actions of a few. It will blow by soon. Keep your heads up!

How do you know your value? Throughout my 10 yrs of being in a professional setting, I've had colleagues from various places of employment say, I don't think you know your worth. You're under valued, etc. What exercises/tools have helped you realize your worth and effectively advocate for it? TIA!

I want to go back to work in the dental field. I was an assistant for 10+ years. I miss helping people smile. But trying to find work that I can do within school hours is so hard! Has anyone found anything that is legit work from home? Either remote treatment plan presenting or helping with scheduling? I really need something from home because my husband travels so much. I’m located outside of Chicago if that helps.

Any books to recommend to get more educated on wine?

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?

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

Any Property Management recs in Seattle area? :(

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Planning on buying a house with MIL. She would lend us half the price of home interest free in return for being able to live in it rent free. We’d have 100% ownership. Repayment only required if we sell the home.

She would maintain the place 100%. We would cover races and insurance.
Relationship aside, does it sound like a fair deal?

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.

Has anyone here used New Western to buy real estate deals?

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.

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

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)

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?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

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

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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

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 in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

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