Seeking advice: Anyone know of an affordable or pro bono landlord attorney in CA (bay area) for an OMI?

I am barely keeping up with the mortgage (tenant rent doesn’t cover it so I am losing monthly) and my own rent expense so I would need to take out an additional loan to pay for attorney fees.

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Looking for some software or tools recommendations for
1. Plan for retirement- I am looking to do the following calculations : calculate total corpus required at retirement based on inflation lifestyle etc. , calculate total amount my investments will grow at retirement age ( 401 k , savings etc, ). These two figures should give me an idea where the additional amount i need to invest.

Any recommendations?

What’s going on with the stock market today?

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Do you guys think it's worth paying off an auto loan? I have a 10k, 3 year loan with about 4k balance remaining. Interest is about 4%. I want to get rid of the loan but the total interest I pay over the life of the whole loan is only like $700.

Should I just keep paying the minimum on it? I was debating whether to sell some of my stock and pay for it bc stock prices are so high and frothy and im not sure this is going to last forever.

My income is equal to expenses of my friend.. i worked for seven years just to earn that what she spends in a month by only working for a year...not happy.. not disappointed.. just dont know what to do..😶😮‍💨

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

How are the areas around white rock lake to buy an investment property? Any suggestions appreciated!

If I invest in Eth today, would it be smart? Or should I wait till it cools down?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

Hi Guys,
I have multiple offers including offers from TCS.
But the TCS offer is less. So I'm not planning to join. Will the company block me if I do not join.

Is now a good time to buy VTI?

Hello hive mind. I am currently interviewing with three agencies. Pretty far along with two of them. One of the positions is a Jr. copywriter position while the other two are just for a copywriter. How important would it be to not have the “Jr” before the title? Personally, I don’t care about the title, but wonder about future employer’s?

Hi guys I'm looking for a refferal for Societe Generale's Specialist Software Engineer-Python & Neo4j

Position

Southeast Bowl AMDs: what salary range are you seeing for digital AMD roles on large clients?

So.... what if you're no longer inspired at work? I'm approaching 30 and too young to be this bored. Advice? It gives me such anxiety.

Which SF neighborhoods to consider? Lady 🐠 looking for safe 1br with public transit / walking accessibility to FiDi and not far from SFO. Hoping to spend $3k-$3300, but could go up to $3500.

Hi All, Need some help deciding an offer for IT Audit Senior Internal Auditor Role

1. Job A - 90K + 3500 Fixed Bonus + Unlimited Leaves
Industry Based Role

2. Job B - 84K + 12K Joining Bonus + 20 Leaves Please help.
Big 5 Consulting Role

How is the new Partner promotion list looking like for PwC India ? Heard that their overall compensation has been slightly reduced. Is this true ?

I work for a small management consulting firm and we want to expand our DD practice. How do you guys typically approach new clients and how important is a pitch/M&A expertise deck?

Well friends. We got cocky and pulled the happy hour trigger a little too early this evening.

Got the "plz draft and send" at 6:30.

B1 to B2 , how much hike will get in cg, eligibility criteria?

Just had an amazing interview at one of the top Japanese banks. Should I not get ahead of myself? Already visualize myself in the role!

Hi fishes,

Can anyone let me know..which certification is good in the resume for the business analyst.
Also any idea about the certification cost...
Also can anyone let me know..which tools and what is mandatory skill for BA

Thanks for the suggestion

Tips on writing scripts?

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

Best way to start wholesaling real estate?

Is it common for HOA to ask you to prove your car registration is up to date?

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.

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”.

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!

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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. 

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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

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.

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

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

Any Property Management recs in Seattle area? :(

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?