New to US (moved two yrs back). At a point now where i am thinking of buying my primary home. Living in NJ - good districts are 1M+. Whats people take on buying primary home vs buying investment properties in high growth areas ?

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

15 year at 2.5% vs 30 year at 3.25% fixed rate mortgage loans. How would you think about this and which one would you recommend?

Amex Platinum or Chase Sapphire?

I have ~50k in a hysa earmarked for a future down payment. Would it be wiser to backdoor that cash into a mega Roth to increase earnings and then take out what I need in a year? Or better to keep them separate

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

Anyone have any experience with Blockchain Capital (VC ICO)/their BCAP tokens?

How useful do you find bitcointalk to be?

Is there any bowl that discusses crypto investments?

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

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Tempted to buy 1 BTC ..

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

Are there any good apps for iPhone for trading crypto? Not Coinbase. Currently have my coins at GDAX but want to expand portfolio and also trade from phone

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?

By investing 50k/annum in NPS I can save 15k tax per year.. Suggest me I should opt for NPS or not?

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

How do you phase out screen time when you have to be connected all the time? I like the idea of digital minimalism after work hours, but I don't truly have any after work hours.

I want to hear it all, let it out. Why did you hate HRC? Or you just felt she couldn’t be president because she was a woman?

Anybody in Frankfurt Germany hiring non German speakers?

Any books/self help materials for someone who is constantly worrying (and waste a lot of unnecessary time)? E.g. No matter if i pass or fail an interview, there is always something to worry about. The worrying/anxiety multiplies when I proceeded further in the interview stages. Now that I signed the offer and is pending background checks, my anxiety is off the roof as it itches closer to my starting date.

Need advice on a specific question!
Interviewed with Chicago court 2 weeks ago; they decide mid-August. Interviewed with DC judge last week; hear from him by this Friday. Chicago said if I need an answer before August, they'd try to make a decision about me sooner.
Should I ask Chicago for an answer? Or should I wait until there's an offer from DC judge? Maybe seems better to withdraw before an offer is made rather than ask for time to think about it/turn down DC? What's proper etiquette?

Lunchtime power naps, my fav foods and drinks, having the TV on the background— I like working from home and don’t know if I could go back... 😶

I am relatively new to workforce, not sure what companies could use my experience / what kind of companies to look at down the road. 1.5 YOE doing data analytic consulting for a small company with a BS in Aerospace engineering. experience in excel and R at current job plus matlab experience in school. looking at staying in data analytics/ consulting potentially pivoting to something combining that with my aerospace background. any advice?

Any recommendations for a restaurant for a work social event? Roughly 10-15 people!

When do we think dating can go back to normal post-pandemic? Are we thinking mid 2021?

Thoughts on PERI? Looks undervalued compared to MGNI and APPS

What are some good “around the edges” tips for building lean muscle and improving your visual look? Small things for someone who generally feels good about their exercise routine and eating habits (supplements, metabolic tricks, etc for example)

This is gonna be a long 6 hour meeting in a conference room that is like 80 degrees.

difference between corporate strategy and strategy & business development? Same thing basically or are there differences

Has anyone planned on quitting, but used vacation time to meet a bonus date before submitting your notice? Starting school this fall but don’t want to miss out on my bonus in sept. Is this unethical?

Hi! I have been seriously applying for weeks upon weeks for a scrum master position/agile coach. But it’s hard getting an offer 😢

Anyone have input about moving from sales to professional services…looking for pros and cons to consider.

Looking for an NJ store selling hardwood flooring that has a decent selection and not too lengthy delivery times.
Everyone seems to have a 4 week wait for hardwood. Any help is appreciated.

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

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?

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?

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!

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?

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

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.

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

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.

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

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.

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 long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

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

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

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.

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