How soon after finalizing the purchase of a home is the first mortgage payment due? I am trying to see how soon I need a renter if I am to ever purchase a home. Thanks!

Base: 5 lakh
HRA: 2 lakh
Max how much I can exempt with HRA while filing ITR?
I live in my own house. I can pay to my parents in the name of rent.
What are the documents I need to produce?

What career can help me pay off 110k loans with 6% APR as quickly as possible? I realized I don't want to work in medicine but only after taking out a loan of course. I just don't want this to be hanging over me for the rest of my life

Hi, anyone with experience in buying real estate India? Need urgent help please

Just dropped 3k in Safemoon.
If it dies, it dies.

Did my taxes today and owe a whopping $7k just from income. Apparently my wife’s employer didn’t hold enough taxes (my w2 was fine). How can I make sure that doesn’t happen again?

Has anyone transitioned from corporate to a startup that doesn’t have a 401k yet. What did you do to maintain retirement savings? Or is this just part of the startup risk?

Which NFT stock is worth for long term or quick profit. TKAT, YRV, HOFV, OCG

Looking at multi family in HCOL area (LA). Is it true that conventional loans have a max mortgage of $1.8M? For a $3.6M 4-plex, is the only option to put 50% down or am I missing another option to borrow?

I have 150k cash I’m saving for a house but who knows when I’ll buy it. Where can I put it so safely grows instead of my bank?

What are the non vanilla adjustments you make to go from EV to Equity Value and how do you identify them in a public company’s 10k? Pension obligations and debt like items? Do operating leases get subtracted out

Anyone using Binance exchange? Quite a few coin options but dislike overseas passport verification. Anyone jumped that hurdle already and using it?

Should I take solace in the fact that despite the great tumble I am still in the green (barely)? Hard not to feel like I lost the 50% gains lol

When’s the last date you can do backdoor roth IRA for 2021? Is it by the calendar year (dec 31,2021) or tax day (april 2022)?

Should I be investing money in 401k? International here under OPT and have been hearing that if I decide to not stay in the US/don’t get the visa, i would need to retire the funds and pay a 10% penalty. Any thoughts? Can I just leave my money int he US if I go back home and take it out at 60?

Just went all in on virgin galactic stock. 18k shares! Who is with me?!?! 🚀🚀🚀🚀🚀🚀

Anyone in NY has successful stories on request their credit extensions? My credit is going to expire at the end of August and I’m running out of time🥲

Why shouldn't I go with M1 Finance over Wealthfront/Betterment? No fees and more custom portfolio

Hi IBM sharks,

I am working in IBM in php & python technology in Kolkata. How easy to get a new assignment.

Can anyone recommend a good allergist in Manhattan? TIA!

What are some good entry level design jobs for someone who wants to switch from a non-design background to a design role? Would UX / UI or something similar be possible? I’ve dabbled in wire framing before and I’m learning figma right now. What are some of the best skills to learn?

Anyone with experience taking OURBUS? How was it

Need likes for DM

I’m working for an ads platform company in Japan and thinking about moving to the US or elsewhere. Would love to hear your story, or I can share anything about working life in Tokyo!

Anybody exit big-law to run for political office? Did you win? If you lost, were you able to return to your firm?

Do you ever conduct the hiring process for a research project? What do you look for in potential hires?

Anyone at Putnam willing to DM for a quick question?

Motherhood and medicine- a delicate balance. Sounds like the titile of a book that needs to be written.

Any 30-40F in london looking to connect? 50M here. Please dm me.

I am terrible at withholding salary information from recruiters. Yesterday a recruiter gave the line “I would hate for us to get to the end of the interview process only for it to turn out that we couldn’t give the salary you would need” so I panicked and threw out a number that was thirty percent higher than my current pay. He then told me the salary range which was way higher! Do you really just firmly repeat “I need to learn more about the team and benefits before I can assign a number?”

I’m way in over my head in my new job and I think I might be on the way out. What are some signs that you might be let go or transferred out?

What are the leaves policies in Accenture we have ? Can anyone share the leave calendar for this year in Accenture

Hello HCLites,
Yesterday I received a mail from my HR partner regarding talent development plan.
Actually it is a table where they are asking to fill our last rating, career plan, onsite opportunity, RM connection, salary concerns, etc.

Do you have any idea why it is collected?

Thanks in advance for your time!!

I’d appreciate an honest answer : How much do residential real estate agents make in their first year of work?

is too obnoxious to bring your own mechanical keyboard to work? *click click click*

Hi Everyone - trying time refinance my 30 yr to 15 year. Currently have 4.5%. What lender have you seen offer the best rate for 15 year? Lowest I have seen is 2.875% with LoanLock

Are townhomes good rental investments?

Anyone investing in houston? I was thinking of Dallas and Austin initially but price is so high so wondering if there are other texas cities where I could invest in a sfh.

I will be in the Fort Lauderdale, FL area this week. I'm a Transaction Services provider. Anyone want to meet in person if you could use help on deals? I am not licensed, not competing, will sign an NDA and have a brief form contract. I work remotely and will visit clients in person or work from their offices from time to time if desired and agreed. I have 21 years of RE experience in most verticals. I've been a Paralegal, a Broker, and a senior Transaction Analyst. Thanks and I hope to meet!

3% interest rate with 1% credit toward closing costs or 2.75% with 0.4% credit toward closing cost?

Was quoted 7% interest rate for rental property today. 800 credit score. 🤯

Recommendations for a lender for a rehab loan? Buying a property that won’t pass for a normal loan

So possibly silly refinancing question: my understanding of refinancing is that if interest rates lower, you basically start a new mortgage with a new bank at lower rates and pay off your old mortgage. With this, there's some closing costs associated.

Assuming your old bank doesn't want to lose your business (aka, interest payments), why don't they offer to simply reduce the interest rate on your mortgage to what they're currently offering customers?

Investment question: would you invest in a 1bed 1 bath apartment in Jersey city or 3bed 2bath home in Austin (both priced around the same)

I live in Seattle, so pretty far from both cities.

I have 3 rentals and one primary, all rentals and primary are single family homes, all have 50% to 60%. in equity, I want to buy another property, this time a triplex or fourplex but I don’t want to refinance to pull cash out, what’s the most effective way to get a loan for a down payment to a another property. All suggestions are appreciated. Thanks!

I want to sell my primary residence right at the two year mark so I don't need to pay taxes on the gain. But what count as the start date? I know when I move in but don't have document to prove that. Should it be closing date? Dates on utility bills?

Just went under contract for a sfh in Austin. 4.6% rate. Price point is high , at the top of my budget , but seems better than comps. Anyone have a crystal ball and can either reassure me or tell me I caught a falling knife? ;)

In a multifamily home that i own and live in facing lot of trash problem with the street trash getting caught in the hedges/bushes. Fencing might solve the issue but is it worth spending 6-10m on this gives this is an investment property and this does not necessarily add any separate value per se? The trash stuck on my property does bother me and i do intend to live here atleast 1-2 years more. Thoughts?

Is going with the lowest interest rate always the best option for home financing? Or one should consider taking a higher interest rate but with more lender credit?

Acknowledging that none of us have a crystal ball, would you wait to purchase a second home? Things are sitting and prices are dropping, but wondering just how long to wait.

Looks like everyone is getting pre-approved now. What kind of rate lock do you have? 30 days? 45? 90?