Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

Does anyone know if the 10% penalty and if taxes are waived on a death of a beneficiary? A friend of mine’s 17 year old pass away. I was wondering due to the circumstance, is there any way he can get around paying extra money by doing a 1035 exchange, rollover, withdrawal. Anything out there? Suggestion are welcome.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

a very specific question to all Canadians.

Current situation , i need to refund signing bonus which was paid along with 3 days of work at the company, taxes are withheld obviously
When you refund a signing bonus do you
1- refund ALL of it even taxes Withheld ?
2- refund only the amount that was deposited in your account
3- mix between 1 and 2 refund more than was deposited but less than the whole amount ( taxes should be refunded to me next year)

My contract says 2 and they want to do 3 Help

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

What’s it like in these SF Bay tech companies ? With the crazy benefits and high pay ? Any tax folks here can shed light on difference between that and PA?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Shifted more options profits into 250 NOK shares

What's happening with the IT Stocks nowadays

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

About to apply for an apt that’s asking for a $2000 good faith deposit. I’m still a little undecided about the apartment (I have another option in Jersey) Do I wait it out or just go ahead & apply? Honestly don’t know if I’ll feel 100% sure any time soon. First time living in NY & first time renting post college😭😭

Any of you using TikTok to display your properties? I see it's working for some realtors and I am tempted to try.

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

Tempted to buy 1 BTC ..

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Did anyone else get a ridiculous rent increase this year?

What does 401k mean?

Just wanted to share that I feel completely burnt out from double teaming applications and work and if anyone else out there feels burnt out, you’re not the only one!! Good luck fishes, may the odds be ever in our favor.

How many people we have in this group ? Any idea how I can check ?

Hi Fishes,

What should be the CTC for Senior Product Analyst Role in Global Risk and Compliance (GRC).

Having Total 9+ Yoe

What's a nice restaurant to take relatives to when they're in the city visiting? Would like something nice but not over-the-top fancy.

Any recommended auto repairs in the East bay, CA? Need some touch-ups before turning in my leased VW GTI

Brookfield NY: Anyone have information on what the culture is like?

£30k lump sump cash in UK, how to maximise returns within a 15 year time frame tax efficiently assuming liquidity is not required?

I graduated law school in 2016 and work at a small-medium size firm. What should my salary be compared to other firms? (In the process of applying to other firms and I think I currently make on the lower end)

Got an offer for SE III at a large tech company. Product I'd be working on interests me and I think I could grow more than in my current role.

Currently I make 180k base and have ISO/RSUs @ startup (60k/yr worth on paper, but won't be worth anything for a few years, if at all).

The offer is:
Base: $166,500
Target Bonus: 10% ($16,650)
RSU: 120k total (30k/yr)

Thoughts on offer? Should I counter?

Additionally there's a yearly target RSU bonus about equal to the cash bonus. Thoughts? 4.5 YOE

Plot twist: Ivanka is Putin's daughter

Hi 🐠. I have a sibling that recently emigrated to Toronto and trying to land into healthcare consulting. Her background: MD degree, PhD in public health and currently doing diploma in cybersecurity. All of her degrees are from Asia. She has mostly spent her career as an academic in Asia and has extensive research and publications in public health. Any suggestions on what types of opportunities exist for her in Toronto?

How do you convince a ~50 year old that he/she needs to network in addition to applying for jobs to get employed nowadays?

My friend is in the IT Project Management space and it’s been years...

Is there a website that shares announcements of recent contract wins by federal contractors across all federal agencies?

Sometimes the leadership does not even inform you on the status of a submitted proposal unless we win the work. I get why they are doing it but it would be great if there was an external source/website that would share this info instead of us waiting around to hear from them.

Any opportunities for dynamics functional consultant in Canada??

Just want to drop by to say that The Sylvester is the best bar in Miami.

Anyone here on a road biking club team etc? Have a bike and want to start (beginner) but would like to in a group setting. Any groups you know of highly appreciated.

Welcome WD folks, lets integrate :P

Hello Fishes,

Can anyone please guide me if switching from SAP HCM to workday is a better career path? Has anyone done that?

What is the base salary range for associate director in LA area ?

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?

How much is 2k a month for a house payment? What size loan would I be able to get?

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

I'd like to buy, but the market is absolutely atrocious currently

Any recommendations for buying agents in Massachusetts?

What is the most difficult part of buying a home for the first time?

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!