Anyone moved/living in Albuquerque? Any neighborhood or real estate agent recommendations for primary residential purchase?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

What’s the best/easiest trading platform? I use Vanguard for my actual long term holdings but it’s not the easiest. I want to open a second account and use it more for active trading on my phone. Looking for something with simple UI. Any tips? Thanks!

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Hi guys any one dealt with DeVere for managing his investment portfolio, how was your experience?

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

How much have you saved from refinancing your student loan?

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

So. MBA from a top 20 program (if that matters), working in the southeastern US with 10 years experience in private practice and hospital administration. Salary thoughts?

I have a contact who is a hiring mgr at a company I want to work for. He told me he has an open role for me and set me up with 6 interviews over a 2 week period. They all went really well and HR said I’ll most likely be moving forward to a site visit. But now my contact has ghosted me. After I made 3 outreaches he had his aa schedule time for two weeks out. Why am I being iced?

how many opinions/bench rulings should I aim to complete by the end of the clerkship?

What kind of behavior systems do you use in your classroom? I teach 1st grade. I’m tired of using the folder/calendar system with 🙂/🙁 and a prize box. Any ideas?

Anyone who has experience of working in pre launch area, need some help

Welcome! This bowl is dedicated to discussing issues, concerns, and questions by and for young lawyers (<10 years out of law school), but all lawyers are welcome to join.

What surprised you the most about the practice of law?

I am 6.5 years experienced Java developer. Looking for referrals.
Serving notice. LWD - 14-Feb-22

Transition manager with overall 12 years experience, looking for Transiton manager, project management or program management opportunities..

What’s the best city/country you been to for wine tastings? I want to explore more

Hi Fishers
Need your expert guidance! Having 2 offers from qualitest and Capgemini for devops engineer role! JD is pretty much same in both the orgs but Qualitest is providing fixed X lpa and Capgemini is also giving fixed X.8 lpa. So which offer should I consider? Please help me here!

my stress level peaks when there is so much work to do and the filing day is only 2 weeks away 🙃

Hi all,
Will an offer made in paper by one organization get revoked if a counter offer from other organisation is submitted to negotiate a better salary?
Also need an advice on should i submit the counter offer even if i prefer the first organisation only to improve the salary which is less as offered now?
Please share your thoughts. Thanks!

Going to the Atlanta Braves game tomorrow. I see there's a ton of shopping centers right next to the park, can I just park there and walk over to the stadium? Wondering what the natives do

Hello !! my PWD is in progress and im due for promotion this year (level IV to Level V) my designation would also change but not responsibilities. Will this affect my PWD or PERM process. I reached out to BAL and they said if role/responsibilities change ill have to start from first. Does change of desination mean change of role ?

Hi Guys,

Can I get some refferal for Cloud Automation fields : VCenter, Powershell, Azure...
Application Development : .net , C#, javascript, html, css...

Currently I am on notice period. With total experience of 3 years 10 months.

Also please give some idea of what CTC should I expect....

What is the CTC offered for grade C4.3E in Software AG in Bangalore?

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

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!!

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

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

Any Property Management recs in Seattle area? :(

How might I start to evaluate whether or not it’s worth it to keep my current primary residence and turn it into a rental, instead of selling and using the cash to roll into the next down payment for our next home? Currently in our “starter home” and thinking to upgrade in a few years. Some figures to consider for current house - 299k purchase price, 240k left on mortgage, could prob rent for 2250-2500/month, or sell for 375k. It’s in a desired school district, but in the “city” tax district.

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

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is 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?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?