Rental property still owe about 140k, 3.375% interest rate. Monthly expenses (everything) is about 2300, rent is 3800.

Looking to do some renovations to primary home, and estimates are in the 120k range.

If I came into the money in the near future, would you pay off the low interest mortgage on the rental and borrow (at higher interest rate) for the renovations and plan to pay down quickly with extra income from paid off rental, or pay for renovations in cash?

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Best resources/books on getting personal finance in order?

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Guys, what platform do you use to trade US stock?

Why does DIP (debtor-in-possession) loan has such high interest rate + facility/admin fees when it is basically guaranteed by bankruptcy laws? (Postbk priority and/or priming lien)?

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Looking for used car within $5k in New Jersey/New York. Preferably from the owner directly. Any suggestions?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

New option trader since last month. How is trading options normally during a normal market time? Seems like it’s quite a grind w normal volatility and actually makes you research and follow the charts 

Well my $500 DOGE bet from yesterday is paying off 😂. This feels like people are just desperate for a bull market based on speculation.

Coin a buy ?

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

Money Transfer - what's the best way to transfer money from India to the US? I have an NRO/NRE account but the only reservation I have using it is that they don't give a good exchange rate.

Any advice, suggestions and recommendations of other apps that have worked for you? Thanks

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Hi anyone working in Japan(Onsite for Indian) for Flexcube? How Oracle pays for that ?

Is there anyone who works for Google or Amazon and has a healthcare background with no tech skills? I have my MBA with a healthcare concentration and I’m looking to switch industries. I’ve started to take certification courses on Udemy but would love any insight on how I could get my foot in the door with those companies. Thank you!!

Can anybody please refer me to Job ID: 3096927 ?
Dm for email

Has anyone moved from HR consulting to Core HR Roles?, I wanted to take some career guidance from him/her

Is there anything you wish you knew about civil engineering before deciding on your degree?

I was recently interviewing a very good candidate who was not only technically strong but also had a very good problem solving skill. Below is his yoe and tech stack
Total yoe 11, RPA 6(AA)
Certified in all AA versions.
CCTC 25LPA
Expecting 40LPA
I felt this is a desirable ask but we didn't have enough budget to accomodate. Now we are going back to drawing board to reshuffle the budget for next FY, what would be an apt scale for someone with the profile above?

Will you be going back to the office on a voluntary basis when your office opens?

What is the salary range for Sr. BA/Product Owner with secret clearance and 10+yr experience in Ottawa, ON.
Contract or full-time

What is even the purpose of this bowl?

Does anyone know how much base compensation is at a tech company that’s more video game related? Product counsel interview coming up at a company called MacroHard if you catch my drift cough cough. 4 YOE, big law.

Looking for ServiceNow Developer. Remote position and min 4 years experience, 1 year into HR module. 1 year contract and 30 days notice can work. If you have any friends to refer we have some amazing refferal system aswell. Call on 7990477483

How do y'all manage passwords ?? Esp absolutely critical ones e.g. coin markets etc..
Is anyone else paranoid about all this ?

Crushed my final two interviews today. I will hear back sometime next week for a verbal offer for a Tech Solutions Consultant on the xWS team. Leaning towards an L4 but maybe they give L5 if the interview feedback was as good as I thought it went. Any thoughts on how I should negotiate base and equity? Maybe ask for sign on too?

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”.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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.

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?

What's the best city in UK to buy a buy to let property, with best returns?

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.

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!

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Best way to start wholesaling real estate?

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)

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

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

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

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

Can I get a commercial loan without 25% down?

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

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

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