What are your best hacks as a first time (reluctant) landlord? We bought a second home for my parents 20 min away from us, but for various reasons decided to rent it out for the next 1-2 years. Not an issue in terms of finances per se but it’s been a time suck. I try to get 3 quotes for everything - sliding door leaks, subfloor buckling, fridge gasket replacement, etc. - but the whole cycle of phone tag, driving to the house & chatting in person, reconciling different opinions is so draining.

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Hi i lost majority of my money in the stock market. I married and promised my family that I will not make the mistake I made 7 years ago. Gambling. Is this an addiction I have. I keep selling stocks and taking loses buying other stock hoping it will recover but never did and sell again taking loses and buy again. It now sink in to me. I borrow personal loan hoping that the market will do k and I pay it back but I even lost that. I can't stop crying that I hurt the one I love the most my family.

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

Why do people accrue prepaid expenses?

I haven’t had much luck on fiverr with my gigs. Really eager to start a side gig and have a second source of income. Any suggestions or insight would be great!

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

How does the housing market work exactly, like, what determines whether prices go up or down?

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

What’s better the S&P or a total stock market index fund?

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

Anyone else heard the news of KPMG staffing 1,500 employees to work 6 pm to 6 am reviewing documentation for cares act SBA bailout loans? My thoughts are 1- admirable cause 2- I would hate to (cont’d)

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

My hidden talent is finding houses I love that are way outside my price range.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

Can I bring my parents and sibling also in relocation reimbursement and also for the hotel accommodation?

So I worked from home yesterday and my husband had a sneak peak on my meetings with clients (which I’m very new to being a senior). He mention that I should read some sales pitch books of some sorts so I can get a process down and not be drain from having genuine conversations with every client. I think it’s a great idea. Anyone have thoughts or recommendation?

If I can ask a polling type question. I get invited to speak to law groups frequently. What topics would you like to hear about in 2020? Each are CLE accredited. Debt. Business planning. Finance 101?

Anyone play fantasy football? Would anyone be interested in a bowl / mini league? I’m guessing there are some good data analysis skills being put to good use out there.

Does Barclays UK provide onshore opportunity to analysts working in their Indian offices?

$210k TC in Bay Area (Consulting) or new offer: $220k TC in Austin (FAANG)?

Anyone have good/bad experience with a dietician? Is it worth hiring one? I just started tracking my calories and doing IF, but I honestly really don’t know what I’m doing.

Women- if your husband says he fantizes about xyz actresses and models- how would you feel?

My skin has always been a little dry. I’ve used plain coconut oil on my face for years (as a moisturizer) but recently stopped because my fave would just get red after application. Not itchy but I definitely felt like my skin was reacting. Any suggestions for non-acne related calming face washes or moisturizers?

My mood has been fluctuating so much lately. Some days (yesterday) I wake up feeling invincible and some days (today) want to hide myself the rest of the world and feel like nothing will ever get better. I’m trying to push myself to make plans with other ppl and am really self-conscious about it cuz I don’t want ppl to see me in low spirit.. any ideas on how to fix that?

Does anyone else balk a little bit when applying for jobs and the recruiter or job description mentions a lot of blog writing and other content like that?

How to switch from Accenture technology to Accenture strategy?

Looking for recommendations for affordable storage units in Chicago. I have a car so anywhere within ten miles of the downtown Chicago area would be great. Need no more than a 5x5 foot storage space. Thanks! 😊

Dear Nappily Ever After,
No one has an office, much less an assistant. Creative and account are different jobs with their own dress codes. But dumb, off brief ideas by white creatives do win.

So had client call, wrote down all my notes as they spoke. Confirm next day when everything is going to shit and they reply “this is categorically wrong what are you saying”. Contd in comments

Hello all,

Please help me decide to join from these company:

Wipro - 22L fixed + 2L variable ,
Concentrix- 23L Fixed ,
Dxc - 24 L Fixed + 2L variable,

Yoe - 9
Skill- Sql

Is today salary day? I havent received my salary yet?

Should I trade Mitchell and 10 FAAB for Tyson Williams?

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)

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

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. 

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.

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

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

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

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

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

How can I invest in real estate ? Looking for an additional passive income source

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

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

What, if any, were your main complaints?

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.

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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?

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

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?