Pros and cons of a 40 year fixed interest-only payments? Looking to do a cash out refi on an investment property

Is it worth making the time/money investment to make the switch from big 4 FDD to MBB. This would require getting into and paying for a top MBA program and my net worth would be way negative after that. Are the MBB financial returns worth it? Im 26 years old for reference

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

Anyone has experience in investing through Angellist?

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

How do you recalculate NAV if ownership percentage times the capital balance per the audited financial statement is leading to a variance

Senior dev working alone in an office, everybody is remote. Thinking of moving to PHX to be fully remote myself, currently in LA. Lower COL. Change to buy house. I like heat. Thoughts? Why? Why not?

Just starting to invest, should I make an account with Vanguard or Fidelity?

Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

I’m not good at planning vacations and have never really gone somewhere without having a reason to be there (ie. work, family, etc). How do you folks plan a trip, and, I know it varies by location, but what’s a good amount of money to set aside for vacation? Thanks, trying to learn how to unplug better.

1M net worth, 450k total comp, age 35, just paid off tons of student loans TONS, want to retire at 50. What’s the move?

New to the country. I need to fill the W-4 tax form and I don't know if I am eligible to any tax credits. Do I have the opportunity to change this later?

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?

How much should I contribute to a 401k?

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

Morgan Stanley or Schwab? Which brokerage should i choose?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Hi All, I am exploring a contract position and they are offering the below. As I am new to contracting, Please suggest which one is better Option 1: $70/hr on W2
Option 2: $80/hr on 1099
I live in the Bay Area, CA if it matters.

Thank you so much !

Is it okay to join a new team and say "I expect your Support to myself" when you know you're not joining as a lead to the team.??

Have my first call with a recruiter regarding a job they reached out to me about on LinkedIn. First call I’ve ever take regarding industry. Any helpful tips on what to ask? I don’t know the company

So I was a 5th year associate in nyc making 100 k a year 2k billable hours.. I decided to leave for the role Im in now.. my old countered to keep me at 115k (which was like pulling teeth for them) but I left anyways now I find out that they offered a 7th year 150 k and a partner title should I be offended that they didn’t even try more with me

IBM offered me 06B band and 14.5 LPA with 2 lac joining bonus. Recently I'm negotiating with them for at least 22 LPA. Haven't heard from them it's been quite a time now, will they consider my ask or I'm I asking too much.

YOE: 6.9
Business Analyst
Location : Banglore

Overseas on a study and finding a hot expat to help me with some in-room dining.. sometimes we get food. This job is alright sometimes

I have two questions. I have 10 years of experience in multiple sectors and I have been trying to gain a leadership position. I am attempting my PHR this summer but what are some tips in order for me to obtain a leadership position? Also, how long does it take to obtain another position out of state? I am trying to move to Houston but I don’t want to move until I am confident I can obtain a position in the city before packing up and leaving.

Plz help me out if I shoukd join ey and work for Dell client or join Harman .

Those of you in industry post consulting, when you get a new internal job are signing bonuses a thing, or have you seen any version of this?

What is the difference between fixed salary and gross salary?

If you practice collections in-house, what do you earn and do you receive a bonus?

I have practiced for five years and make $121k as an employee of a financial services company. As the only attorney, I oversee all statewide collections efforts, from demand letter to garnishment, with a case volume of nearly 7k new cases per year, of which the majority I end up litigating. I receive only a $1k bonus per year. Is my compensation fair? My last insurance defense gig was $75k.

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?

Hi Fishes
Having 3.6 years of experience in SAP ABAP. How much package can I expect. Looking for a job change. Any referral would be appreciated. Already Servicing Notice Period.
LWD : AUG 29

Hi all—I’m working on a training curriculum at my employer. Has anyone used Rise software & if so any input as to how it’s worked/not worked?

Does anyone have any good books or podcasts about how to develop leadership/ managing skills?

Any other 2020 grads out there? How are you handling the job search without passing the bar or having any idea when it will be held? My plan was to pass the bar, then get a job so now I’m just in limbo.

Is there any chance we can change the domain we are working in?

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)

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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

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?

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

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.

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.

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'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...)?

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

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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.

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?

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?

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Has anyone used Loan Cabin to refinance? They seem to have the best rates.