PSA: if you are using Marcus hysa to save a down payment for a house I highly suggest not doing that. Almost missed several deadlines bc of their horrible wire process

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

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.

Whats the second source of income for a IT employee ?

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

How much have you saved from refinancing your student loan?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Is stimulus check based on gross or net 2019 income?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

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

Anyone have a good (and not exorbitantly expensive) accountant? My taxes have gotten more complicated than TurboTax and I can handle this year

Freelancers - who’s your tax guy ? I’m very, very confused.

What’s a good credit card to get with great intro offer and points valuation? Already have Chase Sapphire. Have an upcoming large expense < 4k. no points guy page link pleass

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

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

What’s a safe level of income to buy (or finance) a boat?
I’m aware they are money pits but want one to fish / get out on the weekends

What is the best advice you would give to a junior account manager?

Any other sober folks in the sales world who can give me some advice? Really struggling to keep up with the office culture when happy hour is impossible for me. 1.5 years sober and want to stay that way.

Hey folks, anyone has experience doing case interviews for social impact? (Think Dalberg, Bridgespan, FSG). New to casing — anything I should look out for, any tips to prepare? Thank you!

I have received two offers from great companies. One is a senior analyst role in the advertising industry and another is a Product manager role in the risk industry. I have 1-2 years of experience as an analyst.
The salary, benefits for both are same. I’m looking for a role that has tech and strategy designing as well and both the roles offer this.
My long term goal is to be a product manager but I want to be on the tech side as well. How do evaluate the offers?

Has anyone lost a job opportunity because your counter offer was too high?

Anyone willing to refer to Abbvie?
Please dm me.

Has anyone started/considered starting an individual/small business income tax preparation side gig? What were the challenges juggling w/ a Full Time job and getting clients?

Curious if any other neurodivergent recruiters or people operations have been put on a PIP and what was your outcome?

Guys need 10 likes to get started with, thanks a lot

What is the best resource to learn springboot from scratch in depth.
(Other than the amigoscode 2hr video) thanks in advance.

Are there any remote jobs left out there? I like my job but I’m exhausted from commuting. Interested in customer service and supply chain, 10 years of experience in sales and CS, 1 year in a management role. Looking for $100k minimum

Hi folks, my YOE - 4.9 yrs and Tech Stack - Java full stack developer. I have offer from Barclays BA4 22 LPA fixed. Other company (small scale) offering 25 LPA(22.5 FIXED + 2.5 Variable). I want to negotiate with Barclays. Please help me how much to negotiate to get something more from Barclays.
Barclays

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

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

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

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)

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?

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?

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?

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?

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...)?

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! :)

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!!

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

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

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

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.

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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.