What are the reasons not to use an ARM for an investment property? I’m aware that rates could rise at the end of the fixed term and worked for a commercial/retail bank in 2007-2009, so know that the world could fall apart. Willing to take the risk on rates as my plan is to acquire multiple properties and sell in 5-7 years to get into commercial or multifamily. Rate difference is 8.0% for 30 yr vs 7.0% or 6.85% for a 7/1 or 5/1 ARM, respectively.

My son will be turning 1 soon and I would like to present a gift and thinking of investing on a watch so that it will hold its value 25 years down the lane, any suggestions would be very much appreciated. Budget is around $7k.

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

I'm remodeling my apartment and am debating on heated floors (kitchen and bathroom). Worth the spend?

Hi all,

Does Here Technologies offers employees stock purchase program in India, do they provide stocks with regular offer/bonus??

Anybody got any fire penny stock plays? IDEX is mine, but I’m looking for more!

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Hi Fishes,

My wife is getting transferred to California from India and she is offered 143k.

How much she can get after tax deduction and all? How much she can save after all the expenses?

She is insisting that I travel with her and get the job in the US. I'm a software developer having 4.1 YOE. How much can I get in the US? Is it worth traveling with her?

Any information would be helpful, Thanks in advance...

Any recommendations on where to invest 10k? I have about 15k in stocks but I don’t think I’ve done a great job picking stocks. Also for people making 150k+ how do you budget your money monthly?

Put all your money in crypto. It’s done going down.

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

If I leave big law for ADA will I get canceled?

Anyone buying calls today ahead of JPow likely printing more money again tmrw at 9 EST?

Can anyone suggest if I can make a rental contract with my parents on a 1rupee stamp duty letter for below 1 lakh? If so, can I directly submit that to income tax department while filing the return for claiming refund or should I be disclosing in Deloitte Portal for last FY 2022. Also, I assume 11 months contract doesn't require to be registered with the govt? Please correct me if this is incorrect. Appreciate your suggestions on the above for tax benefit purpose..!!

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

Advice for someone moving to SF for an entry level job? I want to start off strong but realistically I'll be spending nearly half my income on rent.

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

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

I need 11 likes to open DM. Please help by liking this comment.

Need 11 likes to enable dm. Help me fishes.

Anyone know where I can rent a small boat for 2-4 hours relatively cheap? TIA

DB ECM - does anyone have a view?

Any suggestions for how to find a fully remote customer support job?

Im currently working in PwC. So is there any way to move to abroad?

I am looking to change my career from agency to product marketing or management. Are there any tips or anyone I can talk to consider making this transition? Thanks!

I’m studying for the SHRM-CP with the Mometrix (study guides, online course, and flash cards), however I’m super overwhelmed with all of the information. What are some best practices to ensure I grasp all of the concept ? Any advice would be much appreciated!!!

What would make webinars interesting and worthwhile to attend if you're already slammed in your day to day?

4.5 YOE. s3 advisory looking to move to Finance or stay in advisory. Offer in Valuation as a second year analyst (85K). or just go to business transformation consulting at $105K. i hate leaving money on the table but i really like valuation. how much of a mistake is this.

Could anyone share ISSP certification study guides or general info?

I've noticed that my coworkers tend to work more on their own than with others, even when they're all in the office. Is this normal? I feel like it would be helpful for everyone to talk about their projects more often—I mean, what if someone else has solved the same problem you're trying to solve already?

Hi All,

My current experience is 7Years with 15L CTC. I've recently cleared wipro technical rounds and waiting for HR round. I need some suggestions to negotiate the pay.

Any controllers in here? If so what industry are you in and how do you enjoy it. I’ve always wanted to be a controller but not sure that’s still a goal as of yet.

Cover letter = Beg for this job.
I’m not doing it

Is it wise to switch from testing background to Salesforce after 10 years of IT experience? If so should I start as an admin?

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

Any Property Management recs in Seattle area? :(

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?

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

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?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

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

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!

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

I'm early in my career, managed to save $30K to invest, and want to get my hands dirty with a rental property without too much risk (e.g. no HML/flipping). It sounds like that's a tall order in the NY/CT area given the prices, not to mention whether I'd be able to get a mortgage on anything below $100K, but I figure I'll give it a shot anyway. Any advice on what you might do in my position? Am I being crazy with this idea?

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

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.

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?

Does it make sense to refinance now? Current rate is 3.62, bought in 2019. About 480k left on loan. Need some suggestions.

Can I get a commercial loan without 25% down?

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

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?