First time home-buyer questions re: tax (or other) benefits.

I am looking to buy a house with my partner (not married). She already owns a home, this would be my first home (and it would become our primary residence).

Our combined income is $325k/yr (120k/205k for her and I, respectively) and we both have good credit scores such that either one of us could get a mortgage for enough to buy what we want.

What are the benefits of the mortgage being in one vs. both of our names? (CONTINUED)

Thoughts on staking crypto? What’s the safest way.

Hi, I have 6.5 YOE in .net Full stack development
Having two offers Siemens 17 LPA fixed + 1.5 L joining bonus and simply healthcare 18 LPA fixed
Which one is better?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Anyone here recently get or see any amazing jumbo mortgage rates? It’s painful to search each bank individually. Would love something under 5.5% (only looking for 30 year fixed)

If I spot bonus one of my employees, can I pay it via gift card so they don’t get a tax cut via writing a check? It’s for $1500

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

Whomever is doing the tv placement for Advocate Healthcare in Chicago: do you have to have the ad going every other commercial? If I hear “come on get healthy” one more time, I’m leaving the state.

Thoughts on buying a house now? Lease is up in January. Can finally afford to buy. But would it be better to wait until next year in case of recession -> foreclosure market -> better deals? WDYT

Thoughts on Arena Investors? Reputation, performance, culture?

Also curious of the implications of a firm structured as a HF but investing like a PE?

Hey fishes. I have been offered Management Consultant role with CTC break up in terms of JB, RB, fixed and variable. So is the fixed amount my gross salary without any other deduction except TDS, or will the organisation contribution to PF be also deducted from the fixed component? Also, will claimable components like LTA, mobile bill reimbursement etc. be in addition to this fixed component or will they be included in it?

I am looking to buy my first rental property in a couple of months. What questions should I ask the realtors during the vetting process.

Not looking for a home for myself neccesarily . I am treating it as an investment.

Parents- do you have UTMA/UGMA accounts for your children? Pros/cons over 529?

Anyone live in the centerville area? Do you like it? No kids, looking to buy a place with my husband. We would like something walkable, condo, with at least a bit of a social life. Too much to ask?

Anyone build a house in NVA? We're planning to move to a bigger house in a couple of years and building is an option if it's not too expensive. Anyone got any builders or $/sq ft info? Thanks!

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

How safe is storing crypto on blockfi to earn interest? Seeing recommendations to store crypto offline for safety. Hence trying to gauge if it’s worth the interest on blockfi.

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

Hi SALT Fish,

I have a qq. Does anyone know of a Tax Preparation Software/service provider that is doing high volume and high quality annual IRS tax form prep for 1040s, Sub S, LLC and C Corp? Preferably remotely, not in person?

Advise for TFSA investment in Toronto?

Our household income is 400k. Are we eligible to contribute to a traditional IRA? I’m pretty sure we can’t but wanted to confirm. Currently contributing to 401k and doing a mega backdoor Roth IRA.

Anyone knows a safe TOEFL score for H/S? I know they have a minimum score, but what score you think you don't need to improve once you reach that? Thanks!! 🙂

Likes for dm

Hello , i want some guidlines ,accenture vs deloitte ,which one to choose??

Deloitte folks, My H1 transfer is currently being prepare by the lawyer and they suggested recruiter to push back my starting date. Should I assume they will co-operate and adjust my start date?

It's funny how Democrats are getting absolutely rocked in this election but still want to make jokes. Must be in that numb phase

what do you charge for weekend and overtime work?

What’s freelancing like in Europe? Thinking about moving because (gestures at America)

Anyone else have a formatting pet peeve and get annoyed when people don’t have a blank first column and row in tabs? I.e headers/data in cell A1

My first manager told me this, and I’ve followed it to a T since.

Having some severe Executive Dysfunction atm. I can't imagine that the patent attorney bowl here is short on the neurodivergent. Suggestions/tips/tricks/advice are all appreciated. I recently moved, bought my first home, got vaccinated, etc. - basically just a huge load of stressful events that are probably doing a number on my brain, but I also just can't seem to get on top of.

Please, if you're neurotypical, think thrice before posting - I'm not normal, and want help, not stress or dismiss

Has anyone worked with Wethos? Or, have you, as an independent strategist, worked on more “meaningful” social good projects? I am looking to mix things up, team up, and have an impact.

LA Mid level planners, what’s your salary and years of experience?

Any referral for Scrum master role.
Immediate joiner - 20 days.
Location - Pune, Indore.

I’m so tired of US companies hiring remote Canadian employees offering to pay a fraction of the price for the same role.

This is consistent across the majority of the tech companies. While I am looking to exit consulting, don’t want to be paid 50% of what my colleagues would be making across the border.

Come on peeps, let's show the world accountants aren't boring..... or are they?

Hi fishes!! My joining at EY GDS is in 1 month and I have received an email related to background verification from first advantage.
* Is that the correct website where we need to provide all details for background verification? * * Also for permanent address should we give current address or permanent home address ? If they come for residence verification what do they ask or check?

If you could take the time to like this post so i can dm, would be very much appreciated! Have a lovely Sunday

Hi ,

Does IBM provides accommodation for lateral joiners?

Does anyone’s practice seem to ebb and flow based on seasons or time of year? If so, what practice area and when are you busiest/slowest?

What is the expectation at your firms about coming into work after making your billable hours requirement? Asking especially for those who do not get a bonus per extra hour billed over the minimum.

Does anyone practice White Collar criminal defense in NYC or know a decent amount about it? Is it fun or fulfilling? Is it a good way to break into government work in the future?

Any thoughts/opinions on Hogan Lovells and their Capital Markets practice (especially any insight into the culture, associate-partner relations, quality of work, work/life balance, etc.)?

I don’t want to make partner, and I want to stay in big law for 2-3 years, do you suggest I just do the bare minimum for hours or should I still be doing as much work as possible?

I joined fishbowl a month ago and while I’ve seen a couple contentious debates but I must say I’m pleasantly surprised at how respectfully ppl comment on this app even when disagreeing. Usually anonymity on the internet brings out the absolute worst in ppl; they type things anonymously that they would NEVER say in person smh. But I really haven’t seen horrible comments here. I wonder what makes this app diff frm others?

Are new associates in your firm eligible for bonuses in their stump year?

Which one would you choose?

1) Am100 firm with 1900+ billable hour requirement, very reputable in the region
2) Am200 firm with 1750+ billable hour requirement, less reputable in the region because it’s a satellite office, pays $35k less than option 1

Negotiating a settlement. I’m at $10k, opposing counsel is at $20k. My client won’t go higher than $15k. OC has come down to 17.5k and says his client won’t budge from that. Do I offer 12.5k so we can hopefully meet in the middle at 15k? Is that how the settlement game is played? Seems dumb we can’t just say let’s meet in the middle now and be done with this. (I’m a first year, first time negotiating a settlement on my own and I don’t want to screw this up!)

Can anyone provide any insight on what it's like working in Sidley Austin's London office? Culture, target hours, work life balance etc

I have a request for interim relief pending before the court filed last Tuesday. It usually takes 1-3 Business days for a disposition. It’s now going on the 5th business day. I want to reach out to the court to follow up but don’t know how to phrase it. We need it decided like today. Any suggestions? It’s also an appellate court so I’d just be contacting the clerks office now the judge/chambers itself.

How to switch practice areas? I’ve been in immigration for 3 years now and need a change. How do you convince employers you’re a good fit for a role you don’t have any experience with?

Are there good exit opportunities for doing plaintiffs commercial lit and healthcare transactions? My end goal is in house

We are starting to prep a big case for a 3 week federal trial. I’ve been an attorney for a year now and my firm has had this case for a while. What are some tips you have for prepping and also that will make my boss choose to take me to the trial? I have been the main associate on the file but other attorneys have done stuff here and there.

Any insight on Gordon Rees pay for 2-3 year associate in a non-major market? I know they don’t pay market, but there are no BigLaw firms in my city

Has anyone used SoFi to pay down credit card debt? I am drowning in interest every month with my BofA card and getting nowhere fast. Would love any advice re: SoFi or paying off credit card debt in general. Thank you!

Probably a foolish question: are bonuses based off of raw billable hours or billable hours modified by the partners?