I (25) am interested in buy my first home, but have no idea what is a reasonably purchase price to aim for. I have just under $1M in savings currently invested that I would prefer not to touch and about $70k in cash. Current income is $75k a year, but about to start a new job at $95k a year. Would prefer around $350k for a home, but in this market only finding places that check my boxes in the $400-500k range

If I did a wash sale and repurchased shares within a few days and then sell 30+ days later for a loss, will I still be able to harvest the tax loss? Or does IRS disallow or require me to claim that the following yr?

Coming with 8 years of international sales, account management & shopper marketing experience, I’m getting Retail Associate/Sales Associate offers by CPG companies with as low as $18/hr and $0.46 per km fuel.

While I think it’s a great opportunity to learn about the Canadian market as a new resident, it would break my bank and I would have to buy the car for this roles while living in Midtown Toronto. It doesn’t make financial sense to me.

I would love some thoughts & suggestions

How do LBO folks arrive at forecast for interest rates?

I'd imagine that the interest rate is a highly sensitive input for IRR in leverage heavy transactions

I’m currently making $165K base salary a year and find it hard to leave the money for 2 years of school even though I want to go make new friends and whatnot. Thoughts?

How does the investment declaration work at cognizant? Can i declare only 80c for now? Or even hra or loan details can be declared now itself with valid proof? I read somewhere that these details have to be declared in November with documents. Can anyone help in this?

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

Anyone have any area recommendations for buying a house in Houston but have regular commutes downtown? 300k max but would like a house (not a townhome/apartment).

What is the BA continuum allowance , can we get that money in our monthly salary and this BA continuum allowance have tax exemption?

Is this a bad decision (considering the current market) - New 2023 Mazda CX-50 for 37k? MSRP is 33.5k. Tips to negotiate down? The difference is 3.5k dealer option for outdoor package

I've never thought much of these things, but I guess time has made me more paranoid. What do you think of this kind of conspiracy that says the powerful orchestrate war and conflicts to maintain their wealth in the gun industry?

Hi fishes,

Out of topic. Regarding insurance claim

I missed adding parents in health insurance for this financial year. my father cancer surgery happened and I spend 15 lakh from savings and debt. Their is further spends in next financial year April and May for chemotherapy & radiation.

If I add parent in health insurance in April ( next financial cycle) . Will I get claim ?? Since it is existing disease. Please help me out if anyone knows

What’re your top growth stocks?

Financial question: recently got a credit limit increase to $12K per month, although I only average around $850 of a balance on it per month. Is it bad to have a really low utilization %?

What are some of the worst investing choices you've made? I want to learn from mistakes. Both action and inaction.

Examples (not applicable to me):

Action - Bought ARKK, sold during covid crash and bought back in higher, buying whole life insurance

Inaction - Didn't invest back in 2008, not funding your 401k

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

Where are people investing now. I have 200k in cash which I had kept liquid for downpayment of house. Now, thinking of delaying the purchase by an year or two and not sure where to keep it in meanwhile.

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

Looking to buy a 3bhk, 2.5bath in Schaumburg for 350K, what do you guys think about it? Annual salary 130K. Is this a good time to buy?

Hello! I am looking to pivot into a product manager role. Looking at job descriptions, I know it’s a wish list and it’s hard for recruiters to meet all criteria with candidates. What as recruiters do you look for most in a product manager or junior product manager ?

Hi,

I completed a technical test for health research analysts position at a consulting firm that included statistical analysis of health data in R studio. Now I have been called for an in person interview. I am not sure what to expect in this interview and what aspects I should prepare for. If anyone can weigh in on that, I would appreciate it

Anyone else in the bowl move here from the US? Want to be friends? Lol I am still new

Hi guys; looking to expand my portfolio and invest more heavily into crypto. Any tips/suggestions would be much appreciated. Thank you!

Is the CAIA content worthwhile? Anyone take it and have any insights to offer on. Is the content provided in the education applicable info to their employment?

Is walmart a good company to join?

Does anyone know if Venture Capital has better or worse compensation than Consulting?

What’s the base salary for a Relationship Manager II in Business Banking?

Has your life improved by not watching news channels?
I do watch the news, but I limited myself to not more than 20 minutes a week. Have you heard about someone doing the same thing?

Tell me that famous movie/TV show everybody saw but you

Mine: Game of Thrones

Need 11 likes for DM, thanks.

HI,

Any Openings for a java backend engineer in gurgaon. Please refer me. Need to relocate to gurgaon so i can take care of my family. I have 3 YOE.

any help is appreciated.

Thanks

Hi Fishers, I am looking for a job change in RPA Automation Anywhere. I have total 5+ yrs of experience in IT and 4+ yrs in Automation Anywhere.

do you need to have a full year of experience to lateral in at entry level?

Just began studying for the CFE exam. I have access to past editions of the ACFE Fraud Examiners Manual. Does anyone have recommendations on where to get good practice questions? I’d like to avoid spending a fortune on the ACFE kit.

At my wit's end here, I have a cafe to run even when it's impossible to get a halfway decent price on groceries (even at wholesale). And customers aren't about to pay $20 for a sandwich. What can I do

I've worked as a maid for a long time but am tired of driving to everyone's homes, so I'm thinking of trying out a job as a housekeeper in a hotel. Is there anyone out there who has done both jobs and can tell me a bit about the differences? I would appreciate any advice at all.

How do you deal with customer complaints about rising prices of product?

Has anyone signed up for The Points Guy (TPG) App? I don’t like how much data I would be giving the app access to

Would you rather spend your savings on a graduate degree or a down payment for a home?

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!!✨

If I closed an account/cd with a bank, how do I access 1099?

Hi everyone,
So I have been maxing 401k and Roth for a few years now. I setup the Roth on an auto deposit spread across the year. Well, it just dawned on me that with my wife and I recent (December last year) raises. We are now over the limit that's allowed to contribute to them. I have already invested a good chunk for the 2020 year.
So my questions are, do I just pull the money out of it or leave it?
What sort of penalties can I expect for next year's taxes?
Thank you!

If I have a mortgage and a car loan, do I still need a credit card to build my score?
The problem is I delay my payments sometimes and the interest charge on that due that is crazy.
If I have money ready in savings, should I just use debit instead of credit?

Need some advice! 25 y/o with $20k maturing from a CD. Have $30k left of student loans at 4.8%. Should I look into putting this money into something like stocks/ETFs or towards my loans?

Hi all - figuring out loan options. Does anyone know if it’s better to choose:
A.) a longer term loan with a higher interest rate and overpay each month (0.5% higher interest, ~300 less in payment each month)
B.) a shorter term loan with a lower interest rate and meet the monthly payment exactly

Or how to calculate the better option?

Any books or articles on macro economics?

Anyone part of an investment club that’s accepting new members?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Buying the doge dip?

What are some of the worst investing choices you've made? I want to learn from mistakes. Both action and inaction.

Examples (not applicable to me):

Action - Bought ARKK, sold during covid crash and bought back in higher, buying whole life insurance

Inaction - Didn't invest back in 2008, not funding your 401k

How do you get your spouse to sign a post-nup?

Anyone tried Copilot? What makes it stand out above personal capital to justify a cost?

A screw up with auto-pay resulted in a missed payment to utility provider. This brought down my credit score by 35 pts to just under 750. I have had an otherwise spotless history. Is there anything I can do to fix it? How long before I get into 760-770 range? Planning to buy a home in the next few and thus want to shop for loans by Feb/Mar. Much appreciate any advice.