Renting out vacation home in NY region. Anyone have any advice for obtaining home insurance? Providers? Coverage you need vs. coverage that’s oversold and not truly required. Have a quote from Proper just seems excessive. Understand it’s unique to area etc. just looking for general advice beyond ‘talk to your broker.’

Which is your stock pick this week?
Serious answers only!

Any recos for a fee-only financial advisor that’s under $300/hr? Need to understand sole proprietor/small businesses.

So glad locked in a lower mortgage rate, they are on the rise. Any predictions of them going down again?

What are the various employee benefits that lilly offers?

I’m at 7.5 years of experience and got an offer letter saying 3 weeks of vacation. I’m currently at 5 weeks vacation - are companies typically flexible with this?

Have about 1500 XRP bought at $0.21 - hold or sell for XLM?

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.

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?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Decided to payoff my mortgage.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Does Oracle Cover Dental Insurance? What's the coverage and limits?

What are the perks that can be availed by Deloitte India employees?

For those that work at big4, does maternity leave benefit only kick in if you’ve worked for the firm for at least a year? Or does it apply immediately?

What are some phrases you commonly use to sound more intelligent?

Anyone has used hydration pills to get through fasting? Is it helpful?

✨What's Happening Wednesday!✨
Use this thread to share fun events, concerts, and activities happening this coming weekend!

Hey peeps. How do y’all deal with in laws that think they have the right to see your kid basically on demand. It’s my parents actually, not my wife’s. I’m about to give them an ultimatum......

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

Hi fishes, I need 11 likes to enable dm.

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

What are good exit opportunities for implementation consulting?

Any Bay Area based PE Ops in house or portfolio open to networking?

Is getting the FRM (Financial Risk Manager) Certification worth it? I could see it opening many doors but should I just shoot for my MBA instead? Have about 3 YOE

The Philly thread is kinda sad and slow. Share something you want to brag about!

Hi everyone can someone help me with how is the Work from office model being followed at optum..Are they allowing work from home also?

I can really use some direction. My background, I've worked 2 years in strategy and am currently coming off an exhausting year 2 in investment banking. I didn't particularly enjoy either role and am not interested in moving over to the buy-side or some monotonous FP&A role. Everybody says there's exit-ops aplenty, but I find myself with less options and even more picky than I did as an ambitious T2 undergrad student. Where do I go from here?

Any big law associates looking to transfer out of Texas in light of the new laws repressing women's rights? My firm has an office in Colorado and a group of 4-5 of us have been discussing transferring today. Rent/Housing is roughly the same in the two states.

Are we allowed to dish on how ineffective recruiters are? I’d really like to Yelp bomb a specific recruiter for being so ineffectual, unresponsive, negligent, and ghosting

Why is this bowl so cold? 😀

Is Deloitte USI specifically in Oracle Cloud Technology, Is it doing layoffs? Level Senior Consultant

Let’s talk speed reading. I’m a slow reader and listened to a podcast recently on speed reading. I’m intrigued. Who here speed reads? How did you learn those skills, and what types of documents do you speed read in practice? I do mostly litigation and am thinking that speed reading would help with research but maybe not things like doc review where you need to review for both responsiveness and privilege.

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!

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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”.

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?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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

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?

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.

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

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

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!!

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

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

Any Property Management recs in Seattle area? :(

(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?