Given today's market, does it make sense to even buy a "starter home" anymore, or should we just be saving up more and going after something we can likely stay in for longer.

Any good book for learning about real estate? I live in NYC,23 and I'm interested in getting in it next year God willing...?

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

Need a working flatmate
Spacious 2bhk in Springfield society, Kharadi.
(Opposite to Reliance mart, less than 2km from WTC)
Brokerage 25k
Monthly rent 25.5k
Security deposit 50k
All above expenses to be divided by 2.

wfh is good but need to plan to improve our yields on savings if need help happy to assist cum mentor

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Should I trade in my iPhone 13 pro max for $720 to Apple? I don’t know what they sell for used but if that is a good deal let me know if you want to buy it.

hi Sharks

Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
Employwr contribution to PF is 9450 monthly and i think same goes from my contribution as well

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Can wife claim husbands PAN for HRA? Flat is in the name of husband

Thoughts on Marcus vs. Ally vs. Wealthfront? Looking for a place to park my emergency savings

Did anyone else get a ridiculous rent increase this year?

If you follow the cryptocurrency market, or even have been just taking an interest lately, with the Bitcoin "halvening," you should check out Pi.

If you haven't heard of Pi, it's a new cryptocurrency (like Bitcoin), developed by a bunch of Stanford PhDs. What makes it really interesting is that you can still mine this coin, using just the processing power of your phone, unlike just about every other coin out there. (Contd)

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

Why do firms not use vested stock options as incentive in earlier stages of career?

Bloomberg Law or Practical Law if you had a choice?

Hi fishes,

I had actually applied through a referral to Deliotte for Fx settlemets position. I got a call from Hr asking for CTC and notice period. Haven’t heard back since 2 weeks. Does it take long for them to schedule a interview or what could be the case?

Hello people,
I am looking for a job change. Currently I'm working as a business execution associate in Wells Fargo and have 4.5 YOE.

Hi fish - I have a referral for bcg - do I ask the colleague to send in the referral before or after submitting my application?

Guys One course has started named Devsnest, for enhancing DSA, Frontend and Backend. If you want to upskill just join in in this Course, Its a 7 Month long course but I believe it would be beneficial for all. Its free too

Any non-cishet male folks want to chat? Missing community right now!

I swear the summer better last until November given how long winter has endured. This is just insane.

Hello all,

Can we switch internally within Accenture India?
Currently I'm working with Accenture operations and I wish to move to Accenture Strategy and Consulting. Please let me know the procedure if anyone is aware of it.

Thanks!

Wednesday 3/14 FYI Island Visit thread

Comment in the below format if you want visitors or are looking to visit an island.

I’ve gained about 10 lbs these last 5 weeks and now my punishment will be losing 20 lbs in 3 weeks

Any idea wat would be the payscale for Senior 2 technology consulting in 3EY GDS with 9 YOE?

Need help on how I transition my career from Audit to Management Consultancy. I have only completed BCom and ACCA (UK Chartered Accountant) and have worked for over 2 years at EY.

How many days it will take to release offer in HCL after HR discussion????
What will be the process after HR interview in HCL???

Has anyone taken tranxene? First time taking it and instantly felt relieved. Not really drowsy or slower but not sure what to expect moving forward.

How do you guys deal with the politics of consulting? I have bad anxiety as it is, but it’s really wearing on me. I feel singled out in a lot of cases by colleagues who don’t have much tact (contd)

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?

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

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.

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?

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

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

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

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's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

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

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.

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

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

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 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!