True freedom is owning a reliable car and comfortable home with no car payment or mortgage. Accurate?

Kind of a broad question but I'm open to all answers but anyone know the best hard money lenders for fix & flip with the lowest upfront cost/down payment? In Texas specifically.

Admin - Thanks for setting this group up.
If there are active investors / traders - Feel free to share your strategies or learnings

Anyone have any learning resources they recommend about CDFI’s and impact investing more broadly?

Does buying/selling from USD wallet on Coinbase settle instantly or does it also take a few days to settle?

What does FIRE actually look like for yall? Does that mean you literally dont work anymore and just plan to take distributions out from retirement/savings? Or just not work in a company but still rely on some type of passive income like monthly rental income or a passion proj turned business?

Looking to buy a 2 bedroom near the city. Hoboken, CT, LIC is what I was thinking for 600k. Thoughts? Need help

If I'm paying 4% interest and 1.5% property tax. Does that mean property prices have to increase about 5.5% every year for me to break even?

This is but a rental. Primary residence.

(1 of 2) Help needed...

Context: Married with first baby on the way. Plan is for my spouse to stay home with our (future) kids for next few years. My income is $250-300K and keeping it that way for a while as I’ve moved off partner track for at least 2-3 years as we start our family.

$120K in retirement accounts, $70K in cash, $50K in home equity, and $6K in HSA

Beyond mortgage, only debt is a $25K private loan that we can pay back any time in next 5 yrs. and isn’t accruing interest.

An undergrad relative of mine just received an offer for 65k in Raleigh NC. Is that a good amount for a genZ without student loan debt to live comfortably off of?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Hello fishes,
I'm new to EY
I found that there is no VPF declaration in EY 🙄.

How is it calculated then? How is VPF amount deducted? For tax calculation purposes?

I’m finally able to max out my 401k and Roth IRA, and I will be opening a taxable account. I’m just confused on what to put into it. I’m 26 and open to being more risk tolerant. I was hoping some of you could share what’s in your taxable accounts and offer some advice based on my current allocation.

401k:
- 80% Vanguard Institutional Total Stock Market Index Trust
- 20% Vanguard Institutional Total International Stock Market Index Trust

Roth IRA:
- 50% VOO
- 25% VUG
- 25% VGT

anyone use the essential portfolio feature from TD Ameritrade? How does it compare to something like wealthfront?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

Hi,

Kindly ping me if you need any help for filling up the ITR. I will help you to get maximum return.

Charges applicable.

Thank you

Anyone received Sodexo amount credited in your account for this month??? Still I didn't get the Sodexo amount

Has Bitcoin bottomed out ? Any crypto gurus in the group. I am seriously considering taking positions in Bitcoin and Eth. They were risky at high levels but at these levels they are very lucrative

Rental property managers in ALX

Hi! I am preparing to rent out my condo in Alexandria (off edsall road) in the spring. Anyone have any tips for first time landlords? I’m planning to work with a rental mgmt company that has 3 properties in my complex. They’ll charge 1 month rent for the marketing and 7.9% mgmt fee. I am moving to a lower COLA and don’t mind paying for the mgmt, but I haven’t found a good cash flow calculator to forecast taxes, etc. Any guidance would be appreciated! Thanks.

First time buying a car and trading in the one my parents gifted me years ago. I don't expect to get much for it, but how do I factor that into the auto loan application? Do I have the dealership give me a valuation before getting the vehicle loan? Thank you!

Does anyone have an idea on what salary should be expected when applying to a major biotech company (GSK, Novartis, J&J, AbbVie etc...) as an entry level (3 years experience) Pharmacology & Toxicology master degree with an emphasis in Drug Discovery and Development with technical expertise in electrophysiology/neuroscience domain (several published papers on sodium channels) ?

8 weeks later and I am still testing positive for covid. But since I am symptom free for over 3 weeks I can return back to work. They say I am not contagious...i do have antibodies. But I am still nervous about spreading it.

My day now consists of yoga, social media posting. Working till noon. More social media posting. Back to work, then posting again around 6pm. Somewhere in there I get to live.

First time kayaker here. Looking for advice on if you think a relatively fit newb can handle a class 3 rapid with no training and a relatively pro friend as a guide. Specifically Browns Canyon in CO.

Can someone please help me feel better about being full time? It’s 2x the responsibilities, 3x the stupid meetings, 10x the KoolAid, and like 50-60% of the money.

When manager is bullying you and HR foesnt come with a resolve, neither do the senior managers bat an eyelid, what do you do ?

What’s a good bar to take myself out on a date this weekend?

Anyone want to have a picnic at the mall this Sunday?

In prosecution, if a patent attorney does not try to remove prior art cited by an examiner (eg a 130 affidavit to assert an exception under102(b)(1)(A)), but instead makes arguments to overcome the art, may the attorney made an admission that bars removing the art later in prosecution. Just received such a transfer case, looking for options.

Irritated…
Does anyone else experience this or just me…
Haven’t dating for quite some time, decided to get back into the dating scene. So I put myself out there on a dating site to get the flow started. I mentioned this to a couple of friends and all of their response was negative. Watch out for this and that make sure they aren’t scammers. Mind you these friends found their S/O on a dating site and married. Why with me the negativity? 😕

Looking to hire and agency/ contractor to help prototype and develop a product using Arduino/Pi?

I have used Upwork in the past but am willing to pay more for better service and more robust rollout.

Is 85k as a senior 1 realistic in advisory in the south east?

Which one is better : EY GDS vs EY India? Please advise.
Domain- Financial Services Risk Management.

Can anyone recommend an interesting fintech startup to explore?

Can anyone tell me about EY India ( Not EY GDS) ? Pros and cons

EM refuses to let us put more than 8 hours per day on our timesheets because the client pays a daily rate, but expects us to work 10+ hours a day. Wants to talk because I left at 5 two days in a row

What does “judgment - contested” means? I filled a small claims against my HOA and the case summary online says “judgment-contested”. Does this mean I lost the case?

Seems like geothermal energy is quite literally an untapped resource and I wonder why we haven't invested more in researching its potential

Industry vs. academic research, what have your experiences in either been like and which do you prefer?

How would you explain what “time” is and why our brains feel the need to perceive it even though it’s not a tangible property?

how do you all maintain a good work-life balance?

Remote scientists - do you think pharma companies will continue to allow remote work, or are you seeing them start to require people to come into the office? I’m hearing that people are being told they need to make adjustments to be able to be on site.

How do you survive on a PhD stipend knowing it’ll be years before you can afford luxuries like a vacation or brand-name ice cream?

When it comes time for me to write my dissertation, the only way I can actually write it is if someone buys me a grant so that I can afford to make the time to write it!

What impact has the prestige of your school had on your career?

I've never understood this, why do there seem to be more female librarians than male?

What ever happened to the bio-fuels that were supposed to be the Next Big Thing? You never hear about them anymore

One of my coworkers has withheld information that's important to my research because of a personal conflict we had. Should I speak to management or is it his right?

Do you regret getting a PhD?

Scientists are funny because we are just as excited if the evidence supports OR contradicts our hypotheses; win-win!

Have you ever worked on a government research project? Can you share anything about your experience? Curious if it’s something I might be interested in pursuing

What made you realize that science was the right path for you?