New to RE investing. Currently own a condo in nyc. Looking to get a house. 60k of equity. Heloc, home equity loan? What would be best to leverage for a down payment? Also have 30k saved up but I’d like to keep that for emergencies.

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

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

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)

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?

I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account over 401k due to tax considerations when I move back to Canada (likely 1-2 years from now). Any thoughts here? I don't think I'll have enough RRSP room to move 401k>IRA>RRSP and I would prefer to not have to file US taxes every year in retirement for withdrawls if I left the 401k in the US.

What are the benefits of a trust in estate planning for a single person with assets around $2m?

I want to sell my house but there seems to be water damage and I’m worried someone will lowball me, what should I do?

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Do big4s have any history of offering early retirement packages?

🔮 Looking for some buys with my new found gains in ETH 🔮

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

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

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.

Need help looking for a 1 bd, I’ve tried domu/Zillow but none of the options are appealing. Should I be using a realtor?

Budget: $1,200
Areas of interest: LP, Lakeview, Wicker Park, Old Town, Streeterville, West Loop, River North

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Anyone ever have experience negotiating a new offer to include unvested 401k match and stock grants from your current employer? I hate leaving money on the table but there are some good roles out there. I’m not fully vested in my current 401k yet and my stock grants haven’t matured yet either. This would be at a global director level.

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

What’s the latest and greatest for resource management tools? :)

Has anyone without any financial experience taken the CFA? I work in a different industry and I want to take the CFA in order to get hired into a bank. Has anyone done it?

I was hired a few months ago by D to do data science. I am not doing data science currently, is there a way I can switch roles internally? Should I talk to my coach? Or should I just start looking for a new job. I’m starting to feel that the field is so hot rn my small stint at D won’t be a big deal to other firms.

Hi guys,
I have cleared all the rounds for LTI post which I received autogenerated mail and then later HR asked to upload documents. In how many days can I expect offer letter?

Hi guys...I am currently working as a process executive at Infosys BPO.. with a very basic salary of 16k..any professional advice on how can I get a salary hike here?
Any help will be much appreciated

Anyone going to hustle fest in NYC today?

Merry Christmas to you all.

And thank you for the voices of sanity this year!

Will mindtree accept counter offer? If yes when we should approach?

I have 2 offers, Ford 18.5 fixed & Amadeus 20 fixed.
SDET with 7+ YOE.

Which one to choose for career growth & wlb?

Pesach Sheni Sameach!

KPMG and KPMG global services private limited are different

Anyone on H1 quit and taken a year off? Planning to transfer to H4, and then start looking after a year. Current H1 is valid for another 2 years. Suggestion/experience welcomed!

Hey Guys, What’s the Salary expectations for a Senior consultant with 5yrs of experience in Service Now can quote with DELLOITE USI

How much should I ask from IDEMIA for Python Developer role?

YOE: 3.5
CTC: 9LPA

I asked for 14-15 LPA, did I law ball myself?

Haven't put down the paper yet!

Working as a Senior Quality Lead (5.2) at PSL with 13.5 YOE , Is 17.4LPA a decent CTC or am I being underpaid as compared to others at same grade / similar Service Based companies?

Has anyone ever had to train for more than 3 days to be a server ? ESP with over 10 years experience

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

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

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?

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?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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.

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

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

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

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

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?

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

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

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

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

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'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?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

How can I invest in real estate ? Looking for an additional passive income source