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

Anyone heard of the Select Card?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Buy call for SBI Target 600 by June.

Where do you guys go with new money under an advisory minimum for a year or so? Multiple clients saving 5-10k per month. A sh., C sh., ETF’s, other? Believe it or not, I don’t push WL insurance to all

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Does FIL provide Corporate NPS for tax savings purpose?

Anyone have a crypto kitty?

MU & OCLR, stock bowl anyone?

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

Does anyone know the answer to this? - My first mortgage statement was generated on 11/2 with a due date of 12/1 and includes a month of interest based on the balance on 11/2. I made a principle only payment on 11/14 of $500 which was applied right away. Will the interest automatically recalc to reflect a lower outstanding balance for a portion of the month? I plan to do this every month.

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Is there a legal way for an international student in the US to earn money on the side?

Does anyone use Ameriprise for their Roth IRA? Anyone know of any funds you can buy in an account with them that don’t have trading fees?

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

Need a working flatmate
Spacious 2bhk in Springfield society, Kharadi.
(Opposite to Reliance mart, less than 2km from WTC)
Brokerage 25k
Monthly rent 25.5k
Security deposit 50k
All above expenses to be divided by 2.

What is the typical pay range for fund of funds? Looking for salary / TC information.

Hi guys, 2 days back HR mailed me to inform final verdict was positive and asking few details like PAN. But till now offer letter hasn't been released. Should I give a call today or wait for few more days?

Just curious but what area does everyone here live? I'll start, in in the village

Anyone know the comp for electronic arts associate development manager?

Are large faces out of fashion? Deciding between 38mm or 40mm leather strap, white face watch.

Any here hired Hippo Movers before? Reviews look good but then one on yelp made me suspicious if they were fake

Most expensive expensed dinner?

EY-P work life balance

Is it wrong to work low budget favors from the small local production/post shop and never give them a chance at a regular budget job?

I hope we can use this bowl to field sector specific questions across the legal field whether in-house or private practice.

I would like to chat with legal counsels of this group.

What’s a fair salary increase after a year of inflation?

I feel under qualified at work but I also don’t know how much of it is in my head or in reality. I head a team and they seem to be happy… but I’m also personally not satisfied what we’re delivering is enough… so I have this weird mixed feeling of the stuff we’re doing not really being that stretching, but at the same time I feel out of my depth. I really don’t know what to do and whether to hold on in the hope I’ll learn something or go back to a lower grade and a more comfortable life.

I own a global Technology Recruitment Company and provide Coaching to Job Seelers.

Let me know if we can help.

Tom

How to get release from a project? Hating the work environment and pressure here.

I used to do outpatient surgery part time and flex to pay my bills. Now I'm out of a job! Has anyone
gotten unemployment? I have some questions.

How valuable or important are scrum skills in the current market?

Best self-care tips for dealing with loneliness/sadness this time of year? This is my first Christmas without my mom and it just feels like nothing will ever be the same again 😭. If you’ve lost a parent can you give me advice on getting through the holidays? Being a parentalish figure to my students is both healing and heartbreaking.

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

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

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

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

What, if any, were your main complaints?

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

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!

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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!

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

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

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)

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?