Should I buy? How much can I buy?
Rent - 1,300 (roommates) but happy in current place
Salary - 265K (no bonuses included which could be another 40-120K)
No debt
Monthly disposable income - 4.5 (after rent is paid)
Liquid assets - 250K

Base is at 180k, after tax, insurance , 401k and ESPP (max out), my bi-weekly pay is only like 3600 (like 8000 monthly). Can people really save this kind of money, or most people rely on their stock appreciation?

Amex Platinum or Chase Sapphire?

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

What is the best way to invest in IPOs.

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Thoughts on purchasing leads?

Interested in investing in real estate. How to even begin and what apps should I be using?

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

This has probably been asked many times in this bowl - what’s the best hotel rewards program? I have the Chase Sapphire Preferred card and I’m a Southwest RR member. I travel maybe 25-30% of the time

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 share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

When you stake ETH on Kraken how long is it tied up for? Right now it says I can’t unstake it.

December 31, 3018
Bitcoin: 30,000
Ethereum: 2500
Litecoin: 1000
Bitcoin Cash: 12,000
Ripple: 12
Cardano: 7
Neo: 500
Eos: 120
Dash: 3000

What’s the best/easiest trading platform? I use Vanguard for my actual long term holdings but it’s not the easiest. I want to open a second account and use it more for active trading on my phone. Looking for something with simple UI. Any tips? Thanks!

What are your thoughts on Tesla stock ? Do you think it will reverse next year ? The company is in very good shape , it is getting smashed because of the twitter drama alongside high interest rate but i think it is very cheap stock today when i think about future prospects

Any firms cut salaries, bonuses, or staff lately? I feel like it’s coming..

Has anyone successfully used an education benefit? What's the process?

Im interested buta little nervous about my firm because you have to pay up front and then get reimbursed.

Anyone have connections to 360i?

Meeting people while in consulting and in your early 30s...? Possible?

Hi SCM Fishes, how's APICS based CSCP is valued in India? Is it worth doing it in India? Pl provide ur valuable insights.

Does anyone know for Deloitte’s life sciences compliance and op risk group if there’s a case for SC or M level?

Could anyone let me know kn how EY account will be in hexaware?. Is it good one to go??
Please suggest your thoughts
@

Currently working at Infosys as associate consultant

Joined as fresher, 3.7 yrs exp, package is not increasing

If I do parallel MBA, will Infy increase package ?

Or any chances of getting recruited again as MBA fresher with higher package ?

Hi Gang, really feeling the burnout a bit heavy now after ~5 years in SaaS and Consulting Sales. What are some of the most transferable roles AEs can move to post sales?

Can someone in Deloitte India provide referral in Consulting?

Isn't it annoying how no one ever notices all the hard work you put into your research? The countless hours you spend in the lab, library, or curled up on your couch researching—all of that dissolves into what can feel like obscurity.

Thoughts on Equinox Seaport? With the Corp discount I’m looking at about $175 a month.

How did you get up the courage to invest? I max out the annual allowable contribution amount for my 401K, but otherwise I’ve got everything in savings. I have no debt, just a bunch of excess cash I’m too scared to do anything with. I know this is irrational - I’m above the FDIC-insured amount and I’m also losing value to inflation. I’d like to get to a position where I have maybe 14 months’ expenses in cash and the rest in investments (probably low-fee index funds).

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

How do you bill your time? The busier I am the harder it is to bill. How do people actually bill contemporaneously in detailed terms when you bill 12 hours but literally did 100 different things in those 12 hours. And it’s never slow enough to go back and do it super detailed.

Hello Folks,

Can anyone give feedback for synechron in HSBC accounts It's really hire and fair rule please help me

Does anyone here work in the Middle East? I am seeking opportunities in the healthcare consulting space and would appreciate any leads.

IS there any instance you know of in which LTI revoked or took back its offer after giving offer letter. If so what circumstances

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

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?

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

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 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.

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

What, if any, were your main complaints?

Does buyer have to share appraisal with seller? Can seller request it?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

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

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

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Any Property Management recs in Seattle area? :(

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”.

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

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Anyone in CA dealing with increased insurance costs on rental properties. AllState just increased my rates by 46% from last year. I had no claims what so ever. I am reading online that several other companies have raised their costs as well and wondering what others are seeing and if there is a preferred insurance provider for you.

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

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)

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.