If I'm paying money into an escrow for real estate taxes along with my mortgage payment every month, how do I get the bank to pay the real estate taxes? Do I send them the tax bill? Do they send me money and then I pay it?

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Your mortgage servicing department pays it directly to the county tax assessor. They pay it usually 1-2 weeks before it’s due. The county takes a while to update their records so call your mortgage servicing to confirm it has been paid around when it’s due.

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What did you do with your RSU’s after it vested? Did you keep it or was it sold and reinvest to another stock/fund/etf?

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Newbie Tax filing question, worked for a US employer Jan - July in NJ and then moved and worked for a Canadian employer Sept - Dec. Work permit holder in both countries at the time. What's the best way to file taxes in both countries? Has anyone done this before? Looking for guidance, gotchas, tax filing recommendations...

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What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

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What is a reasonable monthly budget for single folks living in Manhattan? I eat out rarely - maybe 2x / week and have the usual high 1BR rent + Wi-Fi + electricity and am netting monthly expenses at around 4K. Any other ideas on managing your money better?

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What are some good east coast cities to buy an investment property in? For those of you who have done this before, what's better for a first time buyer/investor - commercial or residential?

Based in NYC but looking to buy outside the city. Something that's 400-500k and has good rental potential. Thank you.

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I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

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$TBLT man. Quite the thrilling penny stock.

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Looking for someone who is trying to cut down on expenses and save more. Anyone looking to get financial freedom or save up for a new business by a certain time period?

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Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

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Desi 🐟 fam - What apps are you using to make payments in India using US credit card?!
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Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

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Short term plays for me. Pick it apart.

IDN - Following Anthony’s advice
MARA - Rallying all week with Bitcoin
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PLTR - IBM news will weigh in fully by EOW
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Which credit card do you think is the best for ME consultants?

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Hi Fishes

In spite of having applied for many jobs at
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I do not understand what's wrong with my profile ! I do get calls from other Captives but not from the Citi.

Are there any hacks to get calls from Citi ? Citi @citibank

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Happy deepawali 🪔

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How much can UiPath offer for an RPA Developer for a 4 years experience candidate? Cctc 11.5

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Hi Fishes,

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Is there any perks.

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Hi, can someone please refer me for an intern position at Google. I've solved more than 350 LC problems and also had done Competitive Programming

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I have 10 years of experience. Mostly in Unix, C++ and Visual C++ and MS SQL. I developed interest in cloud computing as like many others and was able to clear AWS Cloud Practitioner, AWS Solution Architect Associate and Professional, AWS Security. Along with these I was able to clear 8 Azure certifications as well: 3 fundamentals, Azure Security, Azure Developer, Azure DevOps and Azure Architect.
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First DD’ treat!! Another bucket item checked off the list!!

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Ah yes the designated note swine

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I know it’s not technically a meme. But it is a free drink for whichever 🐠 gets to it first. Which I think has the spirit of a meme, if not the form. Happy flyday

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What do you all think about the new vaccine?

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Additional Posts in First Time Home Buyer

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?

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Is 5.5 good mortgage rate in current situation for first time purchase? Any predictions on future loan rates?

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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.

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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?

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Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

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Asking for help! For a farmhouse-style vibe would pulls or knobs look better on cabinets and drawers? Included two photos from Home Depot. I'd be getting black either way and the cabinets are going to be a sage green-ish color. Thank you for the input anyone (:

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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.

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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??

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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!

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If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

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

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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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!

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Any recommendations for buying agents in Massachusetts?

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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?

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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.

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

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