Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

Is anyone still following/bullish on GIK? Wondering whether to keep holding or sell

Hi! Does anyone have a recommendation on a realtor? Looking for a condo in DC

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

My 401k technology stocks are down 27% as I started beginning of last year!
Hold and ride OR some other recommendation?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Solana 😭😭😭

I don't own any and it hurts.

Curious in seeing what people's avg cost basis is in this, when you purchased, and why?

SNAP - 5/22 $18p, b/e $16.86

Moving to Austin end of this year, with a new baby.

With ~$500k HHI and almost no debt, in which neighborhood can we practically afford a house? We do outdoorsy stuff (mtb biking, kayaking etc.) and also have a dog that likes to run.

Any suggestions are appreciated! 🙏🏽🙏🏽

What is your favorite part about being a realtor?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Preparing for an MBA towards Fall 2022 or 2023. How much roughly did you have in your savings/assets when you decided to apply for one? Not from finance/tech/consulting, so hard to gauge

How can I invest in real estate ? Looking for an additional passive income source

Moving to the U.S. soon, so bear with me on this.
Is there a specific type of account you buy stocks on in the US?
For context, I'm Canadian, I have a TFSA and RRSP (also relatively new to stocks/general personal finance)

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

When a private equity firm invests in your company, they do expect to exit their investment within the next five to seven years.

I joined @mindtree in Jan 2022. Suddenly there is a 10k deduction in salary in the month of April. The salary slip say 10k deduction as INCOME TAX. Mindtree says "You come under 20% slab according to the income tax calculations. When all the tax slabs are applied you will have to pay yearly tax around Rs. X amount. So that amount will be deducted in monthly basis." Why sudden income tax deduction? Why was that not deducted in the month of Jan Feb March ? How can i recover that 10k every month?

Does LTI pay the full variable annually?
If not than what is the range in which the give the variable

I am planning to leave my firm after busy season and I am wondering if I should let them know this is my last busy season or stay quite and just give my 2 weeks after busy season? I really like the people I work with and I think I could boomerang (read to many posts of people who boomerang and I fit the "type"). Should I tell them know or just stay silent and give my 2 weeks notice?

Hi, can any one suggest some good pg near bellandur or marathahali. With clean room , and not so clumsy rooms.

I have joined Nagarro almost a year now as a senior architect. However, I see lot of issues here. The company is great so far as employee friendliness is concerned. It may be rated as the top most company in that regard and that is why attrition is well within control. However, there are issues:

1. Project Allocation - allocated to projects without fitment with the role or skills. No internal job portal

2. Lots of seniors in bench for long time

3. No way to give company feedback

Anyone here with experience as a Product Manager? I’ve close to decade of consumer lending experience including Sales/Advisory, Supervisor and Underwriting. I have have been looking to pivot into a more impactful role this year. I am due for an interview for a Product Manager next week. The company ticks all my boxes but the job description a bit vague. I will be grateful if anybody willing to share what the day role looks like and what I need to look out for in an interview. Thanks. Cheers.

Need likes to activate DM
Thanks :)

Does cisco India have their own PF trust or is it EPFO..govt's only

Hii,
Fishes..

Today I give technical interview in Infosys
Its goes very well.
After few hours I got the mail to submit my document
What does it mean??Am I selected ?? And how much Salary can I expect from Infosys with

Tech -Java Stack
YOE -3
CTC -4
No Offer till yet

Please give your review...

Overall strongest sustainability consulting firms in Europe?

Texas drivers…honest question. Why, why in tf do people just camp in the left lane? I’m talking doing maybe 5 mph over the limit in the left lane when people want to go faster and they can get over?? I can’t always see around and sometimes on hills I can see that one jackass is holding up a line of cars. What gives???

Parents who live in new Canaan, Westport, - where do you work? If Manhattan- any commuting tricks?

Anyone moving to Kolkata this week or upcoming weeks?

What’s a fair operations manager salary

A coworker asked me to do something, I should have questioned it but did it because I trusted their seniority. I got called out for it by our boss on an email. Should I say something? I am planning to apologize to my boss and mention I’ll run it by them next time. But not sure if I should mention I had checked with my coworker who was in charge of that area.

Does anyone have a go-to "odd" or unconventional question you like to ask candidates to keep them on their toes or see how they react when put on the spot?

My current package 18 laks at 8 year experience how much i can expect with TCS now

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

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?

Is buying fancy condos with high HOA(>$1k) worth it?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

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

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

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?

Any recommendations for buying agents in Massachusetts?

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.

Thinking about using my VA loan in a few years. Any advice?

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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?

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

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

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

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

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?