vania-janet/multiturn-rag-retrieval-data huggingface dataset:
To search sold homes in your neighborhood and run a current market analysis (CMA) to get an idea of what your home will sell for register for a free listingbook account with SearchSocalRealEstate.com to gain free, unlimited access to the official MLS database.
In the rental application you are giving them express consent to check up on your credit and employment history for verification, you must be honest with them, if you have had no income for the last say 6 months then you have simply had no income. If you are worried about it, you can supply them with a longer history if it will help your situation, they may also call your employer to see that you will be returning to work or again receiving some sort of income. But also as stated, talk to the property manager, they can work both ways in either helping or not helping you.
"I don't have a direct answer for you, but here are some other things you might consider to help you decide on a course of action in addition to Joe's note about consulting a CPA... Get a couple contractors out to look the place over and give you some quotes on the work needed, most will do so for free, or a nominal fee. Everything about the extent and cost of repairs is complete guess work until you have some firm numbers. You might also consider getting an up-to-date appraisal, particularly if you can find someone willing to give you an ""after improvements"" estimate as well. The housing market has fluctuated a bunch in the last couple years, your current value may have shifted significantly from where you think it is if you haven't done one recently. You will definitely have to pay for this service, I would estimate around $500 based on one I got in St Louis a few months ago. You might also consider reaching out to a local property management company to find out where they think you would fall in the scope of the current rental market and what improvements they would recommend. You will probably want to be onsite to talk to any of the above people about the work they are proposing, and your intended goals, so figure some travel costs and time into your evaluation. As one of your noted concerns was the state of the roof, I can tell you that in St Louis County, and the spec sheet for most shingle manufacturers, you are limited to two layers of shingles, then the roof is supposed to be stripped and redone from the bare wood. Personally, I won't even do the second layer, I always go to bare wood and start over, if for no other reason than it gives me an opportunity to inspect the deck and deal with any minor problem areas before they become big problems. I don't know Greene County to know what the local code may be like, but odds are high that the shingle manufacture would not honor any warranty with this installation. Another potential gotcha that may be lurking out there is your ex may still have a lingering claim to the home if you go to sell it. I don't know the rules in Missouri off hand, but where I grew up (with family in the real estate and title insurance businesses) there was a law regarding homestead rights.
"Based on the information you gave, there are dozens if not hundreds of possible theories one could spin about the rental market. Sure, it's possible that there are no listings because rental units on this street are quickly snapped up. On the other hand, it's also possible that there are no listings because almost all the buildings on the street have been abandoned and, aside from this one property that someone is tying to sell you, the rest of the street is inhabited only by wild dogs and/or drug dealers. Or maybe the street is mostly owner-occupied, i.e. the properties are not being rented to anyone. Or maybe it's a commercial district. Or maybe craigslist isn't popular with people who own property on this street for whatever reason. Maybe Syracuse has a city ordinance that says property must be advertised in the newspaper and not on websites, for all I know. Or maybe you missed it because nobody in Syracuse calls it ""housing for rent"", they all call it ""apartments for rent"" or ""houses for rent"" or some local phrase. Or ... or ... or. Before I bought a property, I'd do more research than one search on one web site. Have you visited the property? I don't know how much you're preparing to invest, I have no idea what property prices are in Syracuse, but I'd guess it's at least tens of thousands of dollars. Surely worth making the drive to Syracuse to check it out before buying."
You are talking about adjusting the basis of your property which has its own IRS publication Publication 551: Basis of Assets Assuming you've not taken depreciation on your land in any way, pages 4-5 cover the various ways you can increase the basis of your property. Improvements like paving and wiring such as your second case would increase the basis of the property and reduce your gains when you sell. Note that regular real estate taxes do NOT alter your basis. Again the IRS publication is where you should look on what activity would have altered your basis during your period of ownership.  Consult appropriate accounting and legal practitioners when in doubt.
No two states have the same exact laws regarding community property.  I would recommend asking a competent financial advisor in your area, as they would be more familiar with the local statutes.
After I completed my level 2 last year I did get a promotion to equity analyst.  If you currently do not work within the field get in now, doesn't really matter so much as to what you do but you need some experience and connections.  Good luck on level 2, it is much more difficult than level 1.
I appreciate your take, thank you for responding. Thats another thing i didnt mention; i also have several connections in the welding field that can possibly turn into lucrative careers. My cousin has his own rig and crew and makes about $90/hour welding in colorado, ive networked and met a supervisor for the local boilermakers union, and my gfs brother is a structural engineer with the railroad so i have plenty of opportunity to find work and make some money.   I guess im looking a bit too far in the future with the restaurant expansion but it is in the realm of possibility once ive built up some capital.   That being said, youre right. I should probably focus on welding jobs right now rather than taking a higher risk. At least until i can afford to gamble 50-100. Thanks again man!
but it feels like this is being done on purpose to artificially inflate the sales price. Yes. Is there anything unethical or illegal with 2 listing agents disclosing details of the contracts, and using that as leverage for the sellers NOT to come down in price?   No. They're working for the sellers and in the sellers best interests.
Multilevel marketing does not mean it's a scam.  MLM is one of a number of legitimate ways to run the sales leg of a business.  It's also one of the fairest: you get paid for the business you bring back to the company, period.  If you can keep a lot of referral salespeople working their butts off, great for you, you should reap the benefits for your effort.  How many salaried jobs give you this kind of incentive? If you have reservations, that's fine, but also be prepared to have someone smile and nod back at you. The things I'd check:
Get an advanced degree.  This should increase your earning power.  Also learn how to use a computer, this should also tend to increase your earning power.
Money aside, if there is career growth I say yes.   I moved out to Maryland years ago for my first job as well, some of the suburbs are pretty nice.  Learn how to cook the basics. That is where you will save money.
I would suggest equity research, or as mentioned, consulting. You could go into IB. Your main hindrance is your age, how long has it been since you finished your PhD? Equity Research: you will analyze companies, on an individual and micro basis, and provide macro point of views on the industry etc. Sales/Trading: you will not get a job in trading, sales...maybe, if you get a bank large enough that has a healthcare/industrial chemicals sales positions, but this is a job that requires you to be able to sell your bank's point of view to large, very sophisticated clients, and provide them with better ideas than other sales guys, so that they will trade with your bank...can you learn finance and the industry fast enough? You would be better off working in a buy side shop (there are tons in boston) IB: never met anyone that likes ib. depends on the bank but even mid market small banks it is 80hr weeks on avg. bulge bracket its 100. but you would likely start as an associate, (if at all) so that would go down really fast, (3-5 yrs to vp) If you went to a top tier school, find alum from your school that work at banks and talk to them first, a 30 min conversation with anyone is incredibly useful. Just ask them how to get in. Also make sure you know all the capital markets firms in your area, know what all the fields are from a basic level (read the shit on wallstreetoasis etc) so that you dont waste time when talking to people. You will likely need a CFA level 1 to get any traction, unless you can find some people that are willing to pull for you, which you will find is actually more simple than it seems - people love helping their alma matter, and every firm is always looking for smart people. anyways, sign up for the december 2012 cfa exam, and download/buy the schweser notes (don't read the actual books) this will be a great refresher about finance and economics even if you don't end up switching careers.
My roommate graduated Haas Business Undergrad program (top 3 in the country) in TWO years (not 2 letters and science + 2 business, but 2 total years) at 19 years old, took him a full year of recruiting and paying his own way out to NY to meet people to land an banking job (due to similar circumstances, as he was fully out of school and wasn't in the normal rotation). What really concerns me is you keep saying ""analysis."" It makes me think that you have no clue what you want to do. Tell me what analysis means. If you want to recruit for IM, you better be watching the markets everyday (esp if you are unemployed), have opinions on lots of companies, etc."
There was definitely an ""opportunity"" with REO/foreclosure/distressed sale properties in the area, but after conferring and seeking advice from several *experienced* landlords, I have concluded that it is NOT the ""risk free/passive income"" mechanism that a lot of neophytes think it is; and there is substantial risk/effort involved, both in the form of capital investment (repairs, maintenance -- requiring both time &amp; money) as well as the unpredictability/probability of an interrupted revenue steam (bad renters are deuced difficult/expensive to deal with) as well as other costs (significantly increased property taxes, especially on rentals, etc.) The truly ""big"" gains (to my understanding anyway) of being a landlord are the windfall ""cash out"" phase (where, having had renters paying the mortgage/interest, you get the benefit of the capital gain on the sale of the property) -- but due to what I *think* (and sincerely believe based on the dempgraphics of Boomer die-off), I am fairly certain that said ""payoff"" will not be anywhere NEAR as large in the coming decades as it has been in the past (if the payoff even exists at all, and isn't a net ""loss"", especially in light of the work/effort/investment involved). &gt;Stocks will likely trade sideways for awhile before likely tanking as the forced/willing withdrawals start happening from the Boomers. So, keeping it in stocks doesn't sound overly positive, unless a fairly aggressive put strategy is enforced. Depends on what you mean by ""stocks"". The overall market is one thing, specific stocks can be quite a different story.
"If you want real no hassle, look into getting an agent: http://www.xmarks.com/topic/photographers_agents Check Problogger for blogging info: http://www.problogger.net/ Passive income takes work.  Making money off writing a novel/blogging, or photography is great, but you have to write the novel or take the pictures worth buying first. I've spent the last 3 years building a student management system for martial art studios, but it's been discouraging at times and lots of extra time and effort. If you have a common ideas for making passive money, then you have to be uncommon in the implementation.  Which takes work. To quote one of the comments: You will never find a ""thing"" that   will generate substantial amounts of   money without needing day-to-day   taking care of. He's right, the key is substantial, start slow, but start.  If you don't start you'll never finish.  And if you do it because you love it, the money won't matter. Sorry, this isn't a good answer, but it's a question that you'll need to answer yourself.  My best suggestion, find a gap and fill it."
"This is the best tl;dr I could make, [original](https://medium.com/society-matters/wall-street-landlords-are-chasing-the-american-dream-heres-what-it-means-for-families-8e753e9d99fe) reduced by 92%. (I'm a bot) ***** &gt; Though house prices have recovered in many regions of the US, many of the people living in these homes are now renting - and their landlords are some of the biggest investment firms on Wall Street.  &gt; Another Wall Street backed firm, American Homes 4 Rent, owns a further 49,000 homes across 22 states.  &gt; Destination unknownScaling up portfolios consisting of thousands or tens of thousands of rental homes has made it possible for Wall Street firms to roll out financial instruments suited to &amp;quot;a rentership society&amp;quot;.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6zejn5/wall_street_landlords_are_chasing_the_american/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~207867 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **home**^#1 **rent**^#2 **rental**^#3 **single-family**^#4 **house**^#5"
"Well, I understand this forum is about money but I think you would be far better off if you invest the money in your daughters education or something similar that can bring much more significant future gains. I am a big fan of compound interest and investing in stocks but $700 sitting until she's 21 wont grow into a significant amount. When she's 21, what would you ""hope"" she'd spend the money on? something valuable like education right? so why don't you take the first step now so she will get a much bigger return than the monitory value. If I were you I'd invest in a home library or something similar."
Typically in a developed / developing economy if there is high overall inflation, then it means everything will rise including property/real estate. The cost of funds is low [too much money chasing too few goods causes inflation] which means more companies borrow money cheaply and more business florish and hence the stock market should also go up.   So if you are looking at a situation where industry is doing badly and the inflation is high, then it means there are larger issues. The best bet would be Gold and parking the funds into other currency.
To answer your precise question, your plans are not at all misguided, and are in fact very reasonable. You are clearly financially very comfortable, and from the tone of your post it sounds like you value security and simplicity over maximizing your investment return over the coming years.  If money was the most important thing to you then you would stay shackled to your high paying jobs. @JoeTaxpayer's answer has some great information for a person who is interested in maximizing their investment return.  If you followed that advice, you might increase your return on investments by up to 1%/year (I'm just throwing a ball park number out there). So your choice is simple.  Peace of mind on one hand and perhaps 1% additional return on investments on the other hand.
To be honest, wall street survivor is good but when it comes to learning the stock markets from Europe, Beat wall street is the game to be playing. You can try it out for your self here on http://beatwallstreet.equitygameonline.com/ It is easy to use and there are monthly prizes available to winners, such as Ipads, Iphones and students who play it the game can win internships at top investment banks and brokers
I'm not saying that I have a problem with public transportation, I'm saying that it makes sense for the government to be investing in it. I'm saying that they should be putting more money into improving it. My whole point was that when there's a service that isn't necessarily profitable the government should be putting money toward it so that the public good is the focus.
"If you have someplace to put the money which you think will yield significantly better returns, by all means sell and buy that. On the other hand, if you think this stock is likely to recover its value, you might want to hold it, or even buy more as a ""contrarian"" investment. Buy low, sell high, as much as possible. And diversify. You need to make a judgement call about the odds. We can point out the implications, but in the end whether to sell, buy, hold or hedge is your decision. (This also suggests you need to sit down and draw up a strategy. Agonizing over every decision is not productive. If you have a plan, you make this sort of decision before you ever put money into the stock in the first place.)"
I do the same thing with my 401k (100% S&P 500). My strategy is to check it weekly.  If the S&P falls by 10%-20% (based on risk tolerance, currently mine is 19%). I'll move all of it out into cash until I see 3-consecutive months of gains, then I'll get back in. I don't have a lot of time to manage my investments, and this was the simplest strategy I've come up with so far.  It served me very well in the 2008 crash. I got out around 120 and returned to the S&P on 2009-06-29 around 90.
"'Buy and Hold' Is Still a Winner: An investor who used index funds and stayed the course could have earned satisfactory returns even during the first decade of the 21st century. by By Burton G. Malkiel in The Wall Street Journal on November 18, 2010: ""The other useful technique is ""rebalancing,"" keeping the portfolio asset allocation consistent with the investor's risk tolerance. For example, suppose an investor was most comfortable choosing an initial allocation of 60% equities, 40% bonds. As stock and bond prices change, these proportions will change as well. Rebalancing involves selling some of the asset class whose share is above the desired allocation and putting the money into the other asset class. From 1996 through 1999, annually rebalancing such a portfolio improved its return by 1 and 1/3 percentage points per year versus a strategy of making no changes."" Mr. Malkiel is a professor of economics at Princeton University. This op-ed was adapted from the upcoming 10th edition of his book ""A Random Walk Down Wall Street,"" out in December by W.W. Norton. http://online.wsj.com/article/SB10001424052748703848204575608623469465624.html"
Part A solution:  Assume no turnover in A.:      Average Balance * Annual Interest - Average Balance * Annual Cost of funds + Annual Fee = Profit from A        Profit From A = Average Balance * Interest Rate - Cost of Funds * Average Balance + Annual Fee     So for B here is the sneaky thing, the Average Balance is 1/12 of the Volume... That makes it really simple...       Volume * InterChange - Average Balance * Cost of Funds + Annual Fee = Profit From A       Volume = 12 x Average Balance So:       12 x Average Balance * Interchange (0.015) - Average Balance * Cost of Funds (0.04) + Annual Fee (Say 50)= Profit From A (260)       0.18* Average Balance - 0.04 * Average Balance = 210  Average Balance = 210/.14  Annual turnover = 12* Average Balance   Come @ me bro :p
To answer your question, Retirement Revolution may fit the bill to some extent. I'd also like to address some of the indirect assumptions that were made in your bullet points.  I'm convinced that the best way to overcome this is not simply to hold down a good job with COLAs every year, max out your IRA accounts and 401(k)s, invest another 10-20% on top, and live off of the savings and whatever Social Security decides to pay you. Instead, the trick is to not retire -- to make a transition into an income-producing activity that can be done in the typical retirement years, hopefully one that is closer to one's calling (i.e., more fulfilling).  This takes time, not money.  If people just shut off the TV and spent the time building up a side business that has a high passive component, they'd stand a much better chance of not outliving their money.
"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/10/20/us/politics/republicans-tax-401-k.html) reduced by 71%. (I'm a bot) ***** &gt; Republicans drafting the tax bill have kept its details closely held, and they would not comment on Friday about whether 401(k) changes were under discussion.  &gt; Republicans on the House Ways and Means Committee &amp;quot;Are developing pro-growth tax reform policies that will encourage and support retirement savings for all Americans,&amp;quot; a committee spokeswoman said.  &gt; The tax framework that President Trump and congressional Republican leaders released last month promised to retain &amp;quot;Tax benefits that encourage work, higher education and retirement security.&amp;quot; It left the door open to changes in the current system, saying that &amp;quot;The committees are encouraged to simplify these benefits to improve their efficiency and effectiveness.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/788pfk/republicans_consider_sharp_cut_in_401k/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233609 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **save**^#2 **Republican**^#3 **retirement**^#4 **Committee**^#5"
Please direct personal finance questions to /r/personalfinance  However, my opinion is that you are unlikely to earn more than 7% annualized returns from any combination of asset offerings in your 401k over the next several years; therefore, you should pay off your student loans first. I am ignoring tax consequences, but /r/personalfinance may be able to provide a more quantitative answer.
This IS a stock split. http://en.wikipedia.org/wiki/Stock_split Ratios of 2-for-1, 3-for-1, and 3-for-2 splits are the most common, but any ratio is possible. Splits of 4-for-3, 5-for-2, and 5-for-4 are used, though less frequently. Investors will sometimes receive cash payments in lieu of fractional shares.
FedEx was founded as an airline first. So they fell into that protection. Now they are pretty much the same type of company, but UPS is unionized and FedEx is protected from that cost.  http://en.wikipedia.org/wiki/Railway_Labor_Act  UPS spends millions trying to get it repealed and FedEx spends millions trying to keep the exemption. It's really unfair that FedEx has this protection, but at the same time UPS own most of the market still.  Old but relevant: http://www.commercialappeal.com/news/2009/mar/05/house-bill-would-open-fedex-unionization/