Although not everyone we work with at Landed are first time buyers, many are, so we wrote up this post on 10 things a first timer should know: https://www.landed.com/blog/ten-things-a-first-time-homebuyer-should-know

Check it out!

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

Are investment properties good for retirement?

Who does your taxes? Need a recommend. Thanks.

What stocks are on your watchlist? Please share what level you'd be looking to buy it!

Adding my watchlist in comments.

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Hi guys!
I am here to request for some support from the community in form of referrals as you may know about all the uncertainties that are prevailing at better mortgage. Any lead would be highly appreciated.

With social security potentially running out, why couldn’t it be an option for the govt to put $5k for every baby that is born in a year into an account Invested in a govt share class S&P 500 fund. Historical average is 10%+, which would provide roughly $2.7 million for a baby born today. Eventually, this would eliminate the need for soc sec tax, and would only cost $18 Billion a year instead of several trillion a year being deposited into the trust.

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

Is anyone else pissed that our hard earned money wasn’t lost today, it was STOLEN by CORRUPT GREEDY HEDGE FUNDS

Anyways, not giving them the satisfaction. Gonna keep holding. Actually just bought the dips today for AMC BB NOK. Will keep holding for years if I have to because stocks eventually go UP📈📈📈 and ain’t no paper handed simp.

That is all
Obligatory🚀🚀🚀

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

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?

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Why is it when I owe money to a state from my annual tax filings, if I don’t pay the full amount I get charged interest. But when they owe me, they ask for additional documentation and won’t pay me interest for them stonewalling me. Not much volatility y/y in earnings.

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Hey folks I applied for a credit card they were asking for official mailid is it legal to provide bank mailid for credit card processing?

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

I have 2 exams done and am starting work tomorrow. Any tips on keeping up with assignments and finishing these exams before they expire?

What should I expect during my call with Deloitte’s recruitment advisor? I received a verbal offer last week, and a meeting invite this week with the advisor. Is this typically where salary and signing bonus are negotiated? If so, can anyone share insights into the typical base range for experienced hires going into Consultant positions (2yrs experience w/ undergrad)?

Does anyone have a non-compete clause in their contract in the UK (restricting you to work at a competitor firm)?
Do you know if Accenture enforces it at the time of exit?

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

Hello, my husband wants me to go india and bring his mother who is old and sick to the states. She has the proper visa to travel here and we are Citizens. Please confirm if the current laws will allow this.

Hey guys, I need 11 likes. Thank you.

Hi everyone I have interviewed for a product based company on Wednesday 2nd Feb next day I called HR he said that it’s most probably a positive feedback after that I haven’t received any call or email from HR team how many days should I wait and should I contact them ?

Ryan Reynolds wins Marketer of the Year at the CMAs.

Can anyone share a policy discussing no longer using high flow oxygen during decels in labor? (due to aerosolization)

Hello IBMers,
IBM has offered me X amount ctc and i accepted it on portal....now got to know that market valuation for 10.3 yoe is greater than offered ctc....can i ask HR to increase the ctc and change the band...will they consider it?...not holding any counter offer as of now

Does anyone have any insight into working at a vein clinic? I just got a job offer and want to make sure I'm getting paid appropriately.

Best place to work as a retirement consultant? Empower, Fidelity, Vanguard, T. Rowe, Lincoln, etc? New to field and want to get a sense of where my salary is at compared to competitors.

Hey , I joined as an BA4 6 months ago. I wanted to know how much hike should I expect for this year?

So for those of you who are in learning and development: what are trainers making now days? Interested to know salary & years experience! TIA

Any recommendations for an anime from the manga? I recently saw the whole Naruto saga, and I have to say that I underestimated this genre a lot. I am a producer, and thanks to this my mind has been totally opened. Now I want more knowledge about this culture.

Glad you are here to answer our questions. How exactly does landed work?

Thanks for doing this! How did ya'll at Landed come up with this idea? Super interesting.

Signing off for the day! Looking forward to continuing the conversation tomorrow. Keep the questions coming :)

Related to a teacher from Indiana who had to make a big repair, how do you recommend we budget for maintenance? I feel like we can work towards downpayment, but maintenance puts it out of reach.

My honest opinion is that biggest impediment to home ownership for teacher is our bullshit pay.

What a great conversation so far! I’m headed to a couple meetings but will check back in soon - keep the questions coming!

My score is 620 nothing outstanding but my student loans are killing me. I cant get approve for a house

I recently closed on a home and felt like I had to claw for 10% of my downpayment - didn't do 20. Do you think it was a mistake to not do 20? It just seems impossible as a teacher.

What happens if a teacher you work with looses their home to a disaster like a fire or earthquake?

I'm in my second year of TFA, and am thinking of sticking with this teaching thing (crazy, I know). I'm wondering if you have savings accounts I can use to work towards a down payment.

I'm a younger teacher in a high COL area. In terms of wealth building, how does home ownership stack up to other methods like investing in stocks?

I like in Oklahoma where I make 34K per year. Houses aren't that expensive but on top of my other expenses, saving for a house seems nearly impossible.

Is that something that's available to Teachers in Louisiana?

How does your help help with interest rates if we're only putting 10% down. In addition to a meager down payment, I also worry abt interest :( Definitely didn't get into this for the money