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?

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

Should I continue to live at my parents house in the Midwest as things start to open back up or move back to my assigned office city on the east coast? I’ve been saving a lot of money, but I don’t have any friends out here in suburbia. I’m only 25, no student loans, and kind of want to live the city life and make some friends, but I’m hesitant because this high savings rate is really nice and my project at work would be remote even without covid, so I don’t HAVE to move out anytime soon

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

My work office is in philly but i wfh in delaware. Why im i paying for both state taxes as well as philly tax. Is that right or do i need to make some adjustments. Im at PwC currently.

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

I am curious how Onesource Income tax stacks up against it's competition.

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

I recently was let go (in lieu of accepting my two weeks) and I should have received my March expense check by the end of April per the employment agreement (submitted the report April 1, let go before mid April). I have emailed HR but haven't heard anything. I've got a feeling someone at the top is putting a hold on it.

How do I get my money from them? It's a few hundred dollars

Sorry if this isn't the right bowl for this question - I've checked a few.

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

In your opinion, what’s the best hedge / best buy against rising interest rates?

Hello everyone.
I am looking for job opportunities in various fields of clinical research. Can anybody please help me out. It's a humble request.
I am unemployed for the 7 months and can join immediately. I have 1.2 yoe as CRA in BA-BE studies.
I am trying for jobs for the past 2 yrs and not getting any response.
I would greatly appreciate if you could recommend from your side. Your efforts would be highly
appreciated.
Thanks and Regards

How much should a TV producer be paid a year? I've been working as a digital producer for 2 years now and I've been traveling for the last 4 years, so I'm not sure what would be a fair payment in the US for a TV producer. Any comment will be extremely helpful.

"There's no whining in baseball!", said very seriously and earnestly ..... to the office dog.

My joining is in 28th December, I have not received any email like Pre-joining session email or Joining date confirmation email, neither anyone called me for delay joining. Am I only one in the situation? When I can expect anything from tcs?.

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Is there a firm that does a lot of consulting work for hospitals in Texas Medical Center (MD Anderson, Texas Children's etc.)?

Hi All,

I am a big data Engineer with a total experience of 4.5 years. My current CTC is 13.95L and fixed is 11.53 L
What would be a fair ask from other organisations with 4.5yrs of experience?

Thanks in advance

Hi folks!

Have 4.2yrs exp in Analytics(SQL/python/tableau)
I have an offer of CTC-22 (20fixed+ 2bonus)
My CCTC is 15.5(13.5fixed)

My NP is about to end.
I gave 10-15 company interviews and converted 4 offers. But could get max offer of 22. Though it's a great amount, I see many here who get 25-30lpa offer with same profile.

Plz tell if 22 is fair amount or below avg for 4+ yr exp in analytics domain.
Also plz share your work ex and company name if you got more with similar profile.

Posting my question again:::
How Barclays India helped it's employees during COVID?? Did they fire anyone???

Hi Fishes

Can anyone tell me hsbc gurgaon office address?

Hello Fishes,

Can anyone guide on best platform for HR job opportunities in foreign countries for Indians?

How long will your agency keep letting you WFH?

Hi,
is 11LPA for a 2+ YoE in data science and analytics good.
The package is for a business analytics role.

I want to go on the journey of becoming data science so is it a good step or i need to find something better??

Hey Sharks,

How's T-Systems india ICT pune for Data science?
How much to expect for Senior Consultant 2 -Data science?

Total experience 9 yrs.
Data science 4 years + 5 years in Data analysis.

Do you think the changes in parents options for schooling: pods, private, home-schooling, virtual will open the way for private providers to hold a case-load of school age students, beyond just PK?

Anyone running in the Chicago marathon this year? Ramping up my training to morning runs. Nothing life 5am wake-ups.

People with One Medical,

Is it really worth the $200 ? If so, why ?

Facing problems with working memory and long term memory while you did good previously. Any supplements/ therapy for memory retention and increasing listening absorbing skills?

Any international transplants here? Coming from Portugal!

Any recommendations on a good water softener system (4 people)?

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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.

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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.

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!

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.

Any recommendations for buying agents in Massachusetts?

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

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!

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

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

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

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