Put as much as possible down on an investment property (thinking 45% down) to reduce monthly payments and maximize cash flow (this is the goal) or put down ~30-35% down, still with decent cash flow. Mortgage is 6.625%. Can't decide if additional down is worth taking out a smaller loan or better to keep liquidity for other investing etc. I have separate emergency fund so I can "afford" the higher downpayment.
What would you do?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Tampa lawyers who work downtown: where do you live? Looking to purchase a house soon and am trying to decide between a low commute time (crappier house and a tight move financially) and a longer commute time (nicer house and more comfortable financially). The longer commute time also comes with better public schools, and I want to have kids.

Please suggest me best SIP to invest

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

I be wanting to go off but then I check my bank app, calm down, and keep working.

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Folks who trade more than a couple of times a day, do you have to have your crypto in the exchange during the non-trading times ? I am debating if it’s safe to keep in the exchange or is there a better way perhaps moving from cold storage to exchange every time ? I know the transaction fee is a killer . Thoughts ?

New to investing. What are some good stocks to buy apart from from investing in ETFs?

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

This is gonna sound stupid, but I’m honest - I can’t do math. Calculating a tip is as advanced as I get. Thank god for excel formulas and a math savvy husband. At the end of the day, I pay all the bills (I know- but I’m more organized) and make double his salary, what low stress effort (on my limited math capacity brain) can I do to increase wealth?

I feel like I should be doing more with extra money to help us financially, but I’m scared of having to study stocks and understand the numbers. 😖

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.

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Thoughts on Bitcoin rising? Think it will crash?

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Bhaiyon aur Behno!
Gurgaon me kisi Broker ka number hai to dedo

Dhanyawaad

Newbie to investing. What are good online courses / books to get smart on investing?

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

Hi Guys,

Can I get some likes on my post as I need 11 likes to start having one on one chat in this forum. Thanks in Advance

6lpa ADP v 7lpa tcs digital (New Delhi) as fresher?

Hi Fishes, I've 5.7 YOE in digital marketing and i have an offer from PS for Senior Media Analyst Role in Digital Marketing Domain. After seeing all the layoff post i'm getting scared. It would be helpful if you could please let me know if anyone if fired from Digital Marketing Domain.

DOJ is Oct 31st, i dont have more time. Please comment if you know anyone from Digital Marketing.

Is Williams Sonoma Inc a good company???

Looking for some UGC gigs. I can do unboxing and demos. Rates start at $100 for a video, and $20 per photo. which is significantly lower than others in the market. Just trying to get more content creation under my belt. I specialize in social media as a director in a marketing agency, so I know what will perform. Give me a holler if you need UGC for your brands! :)

What should be my asking salary for a brand planner job at midwest independent agency? Made 58k at previous NYC IPG agency.

I’m moving to a new state and know absolutely no one there. How do I go about finding a roommate?

Can anyone recommend a good fixed income investment that I can add to my ROTH IRA account?

Do I really need the lectures (Becker) to pass the exams? I really just want to do everything else besides that.

Anyone need a CPA tutor (very affordable and flexible on time). If interested please message me! I can meetup if you’re in LA or can do virtual with non LA folks. I got 90s and above on all the tests and passed on my first time! Thanks :)

Getting a referral from a partner not in a line of service that I'm applying for still has impact? Let's say I'm applying for a tax position but got a referral from an audit partner within the firm.

Hi shark how's the Paycore client in virtusa ??
How's the Work life balance?
Do they provide wfh ?? Pls put some light on it I really need help of you guys

Hi all,Getting somewhat bored at Google. Would love to move to a company where my work is making a positive impact to the world vs making Google more revenue.Any non FAANG companies who have interesting work and pay 150k+ total comp?

Hi, how may days after HR discussion i can expect offer letter?

Hi All,
I have 3 offers - Cloudera, Epsilon and TIAA.
Tech Stack - Big Data
TIAA and Epsilon is offering around 4 lakh more fixed CTC compared to Cloudera. As I belong to Big Data I'm inclined towards Cloudera but needs suggestion

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

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?

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Feedback needed. Given the current influx of interest rates and looming economic decline. Is it wise to purchase two new rental properties one a fixer upper in a thriving town, and the other needs minor fixes in a growing community. Both prop may have tenants that have had rental payments delinquencies in the past…. Part of the agreement is to remove all tenants.

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!!

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.

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.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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

Any Property Management recs in Seattle area? :(

Hi - any good books recommendations for getting started on real estate investing?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

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

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

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?

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)