I am taking a interest only loan and lender has specified there is no prepayment penalty. Would I be able to pay extra to be used as principal payment in addition to the required interest payments per month

I'm a foreign national with a UK work visa, normally working in London. If I end up working from home outside the UK for 80-100% of the tax year does my UK tax rate change?

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

When selling a home have been able to negotiate lower commission with your broker if the buyer is not represented by a realtor (eg, 3% in this situation versus still paying the full 6%)?

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Anyone have a good tax person in Philly

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Anyone has experience in investing through Angellist?

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

So this all seems like mental illness pretending to be investing. Good luck on the gambling. I’m blown away by the people screaming “HODL” with no rationale. I’m 100% out

Opinions on getting a Non-Owner Car Insurance policy (especially if you drive rentals for work often)? Up until last month I owned my own personal car and had regular insurance. Wondering about (cont)

What are some of the investing must-reads that you'd recommend?

Reposting/

Has anyone tried a financial/wealth advisor? Would be great to hear your recommendations and experiences if you have :)
Context: I’ve tried to manage my money on my own over the last 2 years but don’t have enough time or headspace atm to figure out the best possible way to manage my savings.

What’s your tax strategy to minimize self employment taxes?

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

New to IT B2B marketing. Any advice on how to educate myself with IT? Any classes, books, etc. that you recommend?

Business Performance Manager role what level is this targeted at?

Is anyone going through the international mobility program to to transfer to Canada?
Apply through global skills strategy

What's the designation & ctc budget of paytm for lateral hiring for 8.2 years experience (java skillset)?

I am a Business Analyst. I have 10 years of working experience in India. In May 2022 I will complete MSc Business Analytics from Maynooth university.
In the past I have lead a team of analyst performing multiple activities like sales analytics, web analytics on Google analytics, I have also worked as a scrum master in certain projects
I have worked with tools like tableau, power BI and now alteryx any suggestions for the job role I should look forward to?

I have one year subscription of amazon prime available. If anyone is interested I will sell it at 40% off.

Quick poll for single guys : how often do you have random hookups?

Curious how much a senior writer can make in Orlando? Interviewing with Disney and I’d love to make it work. Also, any great calculators to compute what my NY salary would be in Orlando and vice versa?

Hello fishes,
How much value would an AWS certified Developer associate certification add to one's profile?
And how convenient would it be to switch to DevOps with that certification and the necessary skills?

Anyone in MUC next Thursday thru Sunday?

Iris Noida or Wipro Gurgaon
Which should I join?
Both giving 15 LPA, wipro has a variable of 1.12 lakh
YOE: 5.5 years, technologies : SSIS, SQL

Any agency looking for a senior art director?

AMZN buy more or hold?

What’s an ideal monthly living expense all inclusive in NY/NJ area for a single person? Good to have this data to budget and scale yourself.

Working on some law firm applications tonight and it sucks that I know that I am so capable and have a strong work ethic but firms can’t see beyond grades or the fact that I didn’t go to a t14 law school or prestigious undergrad. I’ve worked twice as hard and feel like I’ve barely even gotten half as much. It’s discouraging sometimes especially because I worked so hard with pretty much no guidance (first gen, poc, low-income) to get into college and do well and then get into a t30 law school

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?

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

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'd like to buy, but the market is absolutely atrocious currently

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.

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

How much is 2k a month for a house payment? What size loan would I be able to get?

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

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

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

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!

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

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.

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

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.

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

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?