noobie with RE. what options are available to get a home mortgage if i don't have a regular job, no guarantor but have a sizeable equity investments that pay dividends, trust that gives me a monthly disbursement (though not a lot)?

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Those planning FIRE who have 2+ kids. Do you plan on funding their entire college education public or private? Grad school? How does that factor into your financial planning?

Can you choose to pick LIFO or FiFO during crypto tax filing team? Coming up on 1 year of buying my first few hundred eth, but want to ensure that I do FIFO to get the lower long term capital taxes

I bought STX at 1.60 and locked it up “stacking” it for six months to earn BTC yield - opens up in October.

Think i lost my money? Lol. In retrospect this wasn’t the wisest decision.

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

401(k) gurus - If I switched jobs in 2020, does the $19.5k pretax 401(k) contribution limit apply to each plan or is it across plans? Also, does it matter if my spouse (joint filing) is self employed and bootstrapping and is not enrolled in a 401(k) plan?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Best provider for good rates on used car loan?

💳Credit card help💳 Starting a new job in two weeks. The new company does not give a corporate card, so I get to pick my own. If things were normal and I was traveling / spending as usual, getting the CSR or AMEX platinum would make sense. But with things the way they are, what should I do? Work related expenses will be minimal, but Im moving/furnishing an apartment so personal spend will be decent. TIA!

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

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

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?

Anyone in the foothills? Wife and I moved to CO last year and bought a home in Conifer. Love it up here, but would be great to meet some peers!

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

Just got an offer for a Cyber manager role in Deloitte based out of Toronto. Transferring from US as M2. HR setup time to talk salary expectations. Any feedback on salary range for cyber Ms in Toronto?

Looking for a luxury 1bd apartment (stainless steel appliances, nice pool, etc.) for less than 1.5K. Is this realistic? I was looking at Gables Water Street & Crest at Las Colinas ( both are in Las Colinas area but also considering Uptown and Frisco). Any suggestions?

Engagement Director (GAD elsewhere) / current: $160k moving to NYC and need salary guidance for 10 years experience in the city.

Hi Fishes,

I'm looking for a 1bhk fully furnished flat up to 8kms radius from EON IT park in a good gated society. (12-13k rent)

Can someone help me out with leads for the same if you know anyone or living in a like for like requirements?

Would really appreciate your help on this as I'll be kinda new to Pune when I travel in September.

TIA!

How good is KGS Advisory team, as part of the technology, work life balance and work atmosphere prospects.
Need some overview from a developer prospective.
Is it good to join KGS?

Anyone heard if Wizard of ads?

Is Infosys still looks for percentage in X, XII and Graduation for experienced? What percentage they look for?

Has anyone looked into CND or FUN? I looked into DATA, IOTA competitor and looks interesting.

How is a Partner’s sales bonus at your firm calculated? Also, what if multiple Partners have connections at the same client when a sale is made? How is the bonus fairly distributed?

Guys, do you anticipate the px for dodge to fall below 10 cents? If that happens it might crash. Agree?

What are some of the influencer vendors you would recommend?

What is considered a “large” caseload in employment litigation? I work at a large L&E boutique law firm and handling about 14-15 active litigation cases in state/federal court or arbitration. Some of these matters are multi-plaintiff and multi-defendant cases, but none are class actions. This does not include any matters I am handling in the charge stage or in pre-litigation. Not sure if that’s a typical caseload or not?

What would your reaction be if the company you applied to asked for you to get permission from your current firm before moving forward? The situation is the company you're applying to is a client of your current firm, and you've already gone through the interview process with the new company. Thoughts?

I’ve worked in Management Consulting for around 5 years. Been looking for exit ops working closer to content/releases at music labels (WMG, SME, UMG) for the past year but it’s so hard to get my foot in the door without significant past music experience 😭 Anyone have any advice, or potential contacts?

I'm currently making a career pivot and have gained a significant amount of experience during my MBA but still a bit in that pivot stage.. Has anyone worked for or with any corporate VCs, VCs with some sort of business development or other support, innovation labs, incubators, or similar places that you enjoyed? I'm about to graduate from an MBA program and am looking for jobs in this space. I'd love any recommendations for places to check out! Thanks!

Dell vs SAP labs which is better in terms of work?

Thursday Wordle

Wordle 474 2/6

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Hi Fishes,
Timesheet needs to be filled from the DOJ?

Hi Fishes

Posting on behalf of a friend.

She has done BCOM and is looking for a job in Accounting in Pune.


Any organization will do as long as she gets to explore accounting or finance.

Please help by providing an helping hand

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

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

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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.

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

Looking to buy an investment property in Nashville. Can anyone here connect me to good realtors I can work with in the area? Trying to close in < 6 months.

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?

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! :)

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

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

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?

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

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

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

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

The threat of nuclear bombs flying over cities should crash the real estate market

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks