Would interest rate expect to drop in the next month? I'm hoping to close by Jan/Feb and not sure if I should lock in now.

Are there any debt consolidation options for a professional family man with a decent credit score, who's let high interest credit card debt get out of hand? I get the mailers that entice with a low advertised rate, and then the offer comes back at something slightly less than what I am already paying. I am thinking something along the lines of a bank that I can talk to, and explain exactly where the money is going, not being apposed to a direct deposit to the card companies themselves.

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?

How many of you max out all tax-advantaged space, i.e. 401K, Roth, and HSA, and is it doable to live on what's left?

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Any idea what the closing costs would be for the buyer for a house worth $500k?

How do you handle if both j1 and j2 offer health insurance or 401k? Do you decline if they’re the through the same provider?

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

How do you guys go about adding beneficiaries when no body you want to add as a SSN? Everywhere I have seen it, it says optional but I wonder if should I die, they will get the money without the ssn?

Los Angeles, ACD (art), 34, $150k

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Anybody know what's up with QS?
Good to buy the dip? They down 40%

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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.

Any advice on how to be the best targeting analyst there is? I start in 2 weeks and am somewhat nervous but excited, but want to stand out amongst the rest of the analyst

Funniest client interaction?

Currently I’m a CPA at a small firm in AZ, and I want to move to Vegas by the end of May. As such, I have 2 questions:

1. How long will it take me to find a job in LV?
2. When should I start looking?

Anybody from RSM work in the Tampa (or Orlando) office and have insights into culture/clients/technology? Just moved here and looking at possibly switching firms. Thanks!

How many times is too frequent when you speak to your coach / team about manager promotions?

Hey how to get pluralsight access?

Do you think remote hires are less safe when layoffs come or is that an old school mentality?

How much hike percent can we expect during promotion from analyst to consultant.

How are ppl feeling about Miami as a city to live in since you can work remote now?

(extent of my knowledge comes from Will Smith movies and songs)

Thinking about transitioning from advertising (10 years as a copywriter) into public relations. Has anyone in this bowl done that? What types of roles should I be looking for?

Anyone have a standing desk recommendation between the Fully Jarvis vs Uplift V2 vs Autonomous Smartdesk 2? Leaning towards the Jarvis but the Autonomous one seems 50% cheaper, but can’t really tell what the drawbacks are according to their website/reviews

Hi,

Please help me to choose from below two.
1. Valuelabs
2. R Systems
Yoe and tech :- Java Springboot, 3.5 years
Both are providing wfh and same package
Need to join tomorrow.
TIA

I felt very good following Dana’s Town Hall. Having heard other networks are already facing furloughs and layoffs, did you feel as encouraged?

Hello all,

I have got an offer from vmware but I have heard that vmware layoff employees a lot. Can anyone please put some light on the layoff situation in vmware. I am really confused

Thanks

Is the AWS CSA-A cert useless these days? I know at least 5 sales execs (non-technical of course) that got it this year and they’re not even in tech industry.

How to get released from the tcs project?
in the past i have seen My project manager has not given them a release, in the end they have to resign.
I am in a product support project, i want to switch to another domain.
I am preparing for that but here also i work honestly. I got A band in the last 2 years, my lead is on notice period now they are making me lead ,i dont want that ( extra responsibilities with no extra money) but currently I am the only option for them.

Any one familiar with Ocala FL. Does it flood? Would you send your children to the public schools? Is it a good place to live and raise a family?

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

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.

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

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

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?

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

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!

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.

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

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.