How do you find lenders? Should I pick a realtor first?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Have you received the salary today? Got the mail now but no credit yet in account 😕

With 17.5LPA how much income tax are you paying every month?
What methods are you following to pay 0 tax?
Important:
Please don't ask YOE, Tech Stack..
Fed up of seeing these same questions...

Should I lease a car or buy it? Which is better? Does it impact the insurance rate?

There has to be a point where focusing on minute details generates diminishing marginal returns.

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Any advice for an extremely young, incoming Merrill FSA?

Received a license to grow in Mass. starting a company, have a great business model, pitch, and multiple competitive edges. Looking for 5M seed funding investment to get up and running. Any advice on how to find and connect with potential investors in this space?

Hi Fishes,

What is the expected in hand salary for the salary quoted below and assuming tax savings of 1,50,000 through 80C and HRA of 35,000 per month

Basic: 15,22,500
Flexible allowances: 25,71,567
Provident fund: 1,82,700
Monthly gross: 3,62,000

do we have to report our virtual currency holdings to our company? For the sake of independence or something?

How was your tax season?

Hey 🇬🇧 🐠,
Has anyone ever invested in an EIS or VCT?
It appears to be very tax efficient and was wondering if any had any experience (returns, good fund manager, ...)to share ?

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

Is it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.

I Need a referral for BT. Can anyone Help?

How is citius tech I am about to join there?

Is it worth to join CTS as Senior Associate projects ? What about job security in CTS ?

Just finished my workout and off to get some sushi. Happy Sunday everyone and hope you all have a good week!

What's your experience working with United Way?

Can anyone please refer me for the role of SAP ABAP developer.
Yoe - 6.3

Any book recommendations to gift my cousin sister? She studied (masters) psychology and is a trained classical dancer.

Hi Guys,
Help needed!!!
I got offer from HCL for the position of Lead consultant with(23.49 fixed + 3.51 variable). I have 8 yrs of experience. I want to know if this position is same as Team/Tech Lead ? As in my current organization I am working as Team Lead. And also how is job security and work life balance in HCL?

How many hours a week are you working? I’m generally clocking about 50-60 and I’m exhausted. I’m busy, but it’s mostly because no one I work with has any boundaries.

Does anyone need a hr coordinator, or entry level talent acquisitions coordinator that is 100 remote? Remote jobs are extremely competitive and when I find job posts on LinkedIn there are already over 100 applicants. Very competitive!I am open minded about salary,I have so much interest in expanding my skills. I have about a year of recruiting in the staffing industry and 6 months as an hr assistant for a corporate/manufacturing company. MA in Hr and will be testing for phr in July. Thank you

What’s y’all’s favorite EP document generating software system? California systems a plus!

Make 235k tc in tech consulting. Is there a role on the sales side where i can transition to and make more? 9 yoe.

Why do people say more number of switches will create a problem in the long run? Ideally how many switches should be there. New in IT industry, just want some guidance.

Does anyone here work for any public accounting firms in the Charlotte area with a decent work life balance? I am looking to go somewhere where I can focus on a few clients for longer periods of time rather than constantly bouncing around. I find it much less stressful to put in longer hours if it's a client that I have been scheduled on long term.

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

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

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.

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

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ

When is a good time to start looking to buy a house if you are currently renting? Like 1-3 months before your lease is up? My fiancé and I don’t want to rush the home buying process, but wanted to see if anyone has experienced this and their thoughts if they would have done something differently.

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

Trying not to jinx it but it feels like the market is finally turning... prices are down in 77% percent of US metro area's baby! Bided my time and hope it finally pays off when I buy.

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.

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

In my market, you have to waive financing and mortgage contingency to even be considered. Annoyed this is now common practice. 😞

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

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!

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!

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

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.