What is more favorable for a short term flip.... hard money loan or traditional investment loan?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

I make $101K base salary as a Consultant/Specialist at Accenture Federal in Washington, DC. My husband is a teacher making $55K. We’re getting by with our mortgage and regular student loan payments, but it’s not enough to do much else. We also want to start a family in a few years. What move could I make to hit $150K base? So many of you are making unbelievable amounts… I don’t know how to keep up.

Leaving the firm I have a credit balance of 230 on my company Amex. Is it wrong to use that credit balance on whatever I want ? Last day is this Friday 👍🏾

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?

Is it a bad time to open a gemini account? I know the SEC fined blockfi and stopped new accounts from earning interest; Voyager, Celsius, and Gemini were next to investigate. Should I wait for that to settle down first? Interested in using gemini earn for their GUSD interest.

Another question, how is gemini active trader? Fees seem lower than coinbase pro if trading low volume, but would love to hear thoughts on how well it works.

Anyone know where/how to go about getting L/VL/VA CE credits form insurance carriers? Anyone have some specifics?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

High risk, low reward investment ideas?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Has anyone tried UPS or Fedex pick up for moving boxes without a car? How’s the pricing? Hard to get an accurate quote

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Is BRK-B a buy right now?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

When a private equity firm invests in your company, they do expect to exit their investment within the next five to seven years.

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

Stopping in Philly for one night...what's the best area to stay in? Would love to be walkable to a few good brewpubs, craft beer bars or breweries, esp. those with outdoor areas/beer gardens and in an area that's less urban and more residential ideally w. historic row houses. TY!

Anyone stay at the Ritz-Carleton in D.C.? I’ve never stayed at a Ritz location so I’m curious to hear what to expect. Will be in D.C. for a conference so my firm is covering the trip.

Hi fishes

How is work life balance for Manager role and what is the salary band for Manager position?

Hi guys, should I buy lumpsump for coffee can investing or do SIP ? And one more question if you guys can help . At what point let say I hold a coffee can stock when should I exit. I am planning to hold for 10 years but how do I know that this stock is not relevant now or some red flag I should exit .

Please help with 11 likes. Thank you

General Question!
According to the new Wage Rules, are companies giving Basic Salary as 50% of fixed Pay? Should we ask HR of our current company or the next company to actually do the same? Or the rule isn't a mandate and it's upon companies to follow it ?

If I take my Schengen visa from the French embassy, can my first stop be another country before I go to France?

Why does my mattress feel harder in India

having some period like bleeding (less than moderate bleeding) at 11 weeks with no cramps. my doctor can’t see me until next week. have any of you experienced this with a normal pregnancy and proceeded to carry to term ? nipts was all normal.

Hello everyone,

I’m new to the group and Im looking to start the IVF process. I have a few questions if you all can assit w/ info. & experience, where the best place to start?

Thanks

I’m starting the IVF process and planning to do my first egg retrieval in early June. I’m hoping to do back-to-back retrievals due to my age and hoping to have at least a few healthy embryos before we try our first transfer. I have Anthem BCBS has anyone done this and has insurance/fertility benefits covered it? Thanks!

Which company is better to join as BigData Devloper\ Data Engineer?

Persistent - 25 LPA fixed
Deutsche Bank - 25 LPA fixed

YOE- 6.5
@persistent@Deutsche Bank

Can anyone tell if Wells Fargo sends any mandatory form to be filled and taken on the day of joining or they will give one day one.
Mandatory forms as in pf declaration and all?

Hello, Im new to US and still waiting for work permission, my level in embedded engineering is entry/junior and Im really motivated to start my career in US, by chance is someone interested to hire engineer like me, I can work for free before getting my work permission, I’m located in NJ

Hello Fishes,
Has anyone landed a role of SRE with Arcesium recently?
I wanted to know how much CTC to ask for and also some comments on the quality of work and tech stack would be helpful.
YOE - 4.2
CTC - 13 (fixed)

Looking for some UGC gigs. I can do unboxing and demos. Rates start at $100 for a video, and $20 per photo. which is significantly lower than others in the market. Just trying to get more content creation under my belt. I specialize in social media as a director in a marketing agency, so I know what will perform. Give me a holler if you need UGC for your brands! :)

Why did you decide to leave your first firm job? If you had a chance to jump ship but stayed, why did you stay?

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?

Is this legal?
After being mugged and having my things (including my keys) stolen, I was locked out of my townhome after business hours on a weekend. I was told on the phone when dialing my complex’s after hours number (which is managed by a 3rd party company) that my complex’s policy would let me in for a cost of $100 (as it was after hours). After I was let in, property manager informed me the charge was $200. Is there anything I can do here? This is in Minnesota. Help appreciated!!

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

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

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

Is it the worst time to buy real estate because of the interest rates?

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

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?

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.

When renting out a property, can you specify which pets you'll allow vs not? Like no cats but small dogs are okay?

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?

Good evening all,
With my partner we are considering making a move to the countryside of Switzerland, with a gorgeous RE project offering incredible views on immaculate mountains and lake. However, it is far away, and will require 1h+ train/car commute vs. 10 min biking right now. We are scared it will bite us back at some point, although COVID helped w/ remote working being a new norm. The project will be done 2024, so I hope to have a more relax job by then. Any similar experience to share?

Any reason why the listing agent recommend I use a specific title company?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!