Thoughts on using a HELOC on a primary residence for an investment property? Currently considering using my $150k LOC with a 7.7% APR. Investment property is still projected to cash flow after all debt service on commercial loan/ HELOC and expenses.

Best resources/books on getting personal finance in order?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Which credit card do you think is the best for ME consultants?

First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

How many think marketcap of cryptos will reach 700 billion or more before year end?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

I have 60K that I’m wanting to invest using a roboadvisor Better to use Fidelity’s low fee ETFs through Fidelity Go or Vanguards ETFs through Betterment?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

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?

Has anyone used or heard about Flagstar Bank for mortgage? Seem to have a great program for JDs, wondering if anyone has any bad experiences or good experiences with them

Any pointers on the best UK credit cards to get?

(Context: I'm a Londoner moving back home after 5 years in NYC)

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.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Hie folks ,
I applied in Bosch India through there website, the application says in progress since two weeks should I assume I will not hear from them . Or should I reach out to them . Does it takes this much time to get a reply

HCL E2.2 is equivalent to tcs C3A or C3B ????

How do you make the most money in STEM? Is it about having a degree, prior experience and getting in touch with people? What’s your *success secret* and how does it relate to what you’re currently doing? Maybe you think business owners have the highest potential to make the most? Process engineer at an industrial facility in Goodyear, Arizona

How is the onsite opportunities in the coforge..?

HR called me and said this position is for onsite once the border gates are open...? Can i believe HR words..?
I am interested in Onsite opportunities.

I joined OPTUM today so how soon we can expect laptop and goodies.

I am not sure who needs to hear this but exactly one year ago, I was at my lowest point in life. Today, I’m the happiest I’ve ever been. Life has truly been a rollercoaster these past few years for me.

I am sharing this to tell you that no matter what you’re feeling right now, it won’t last. Even the happiness I feel right now, I’ve had that stripped from me multiple times. That is LIFE. We have the good and the bad.

Hang in there if times are bad. If things are good, prepare to lose it too.

Hi People,
I'm looking for opportunities in Investment Banking Analyst roles in Mumbai.
I have 5 year's work experience and a finance major.
Please ping me if there's an opening in your organization and I would like to know more.

$$$$ to Booth or $$ to Wharton

Hi everyone!
Does anyone know how much is the start-up salary range out of college for forensics/criminalist in California? And where to apply?

Due to a recent company-wide increase and additional pay for bilingual direct reports I am only making a dollar and change above them as their supervisor. I was hired into this position in March, having been the first employee in this department. I really tried to get them to budge on salary, they did not, but shortly after accepting they gave the whole company a dollar raise.

Any suggestions on how this might be addressed?

BCG🐠 how long is the cool off period for a fresh application if I didn't get to the interview stage?

For a friend: USMC transitioning veteran looking for opportunities in the southeast region, open to remote work. 8 yrs of specialized experience. Roles: Contracts Manager, Contract Specialist, Contracts Administrator, and Procurement Coordinator. GS or Consulting positions.

How long does is usually take to get staffed on the first project? Joined 11/15 and still no project... Fyi, I am in the commercial side. Should I be worried? Ive contacted my RM couple times and am reaching out to my network 😢

How is PwC emerging tech apps division? And how's the Mulesoft practice there. If anyone can give insights, it will be really helpful.

Hi Fishes, I immediately need to switch my role related to Data science/ML/AI with good hike. Suggest some companies and ways. I'm willing to learn new things after deployment.

YOE : 1.5 years as Python developer

Skills : C, Python, Excel in writing SQL queries, Swagger, Microservices, PostgreSql Aws(Lambda, Api gateway, SNS, SQS), Angularjs, PHP.

Head shot recommendations ITP?

In the most unnecessarily complicated phrasing worthy a dissertation, what are you working on this week?

Hello all,

I have joined Capgemini on last week they took for development project and now they assigned to admin related projects.
I am not interested in admin related projects.
What can I do ?
And if I quit from cg need to serve notice period?

Any Property Management recs in Seattle area? :(

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

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

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”.

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.

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

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

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

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

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

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

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

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?

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?

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

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.

Has anyone here used New Western to buy real estate deals?

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?

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?