I’m trying to avoid capital gains tax. What is the best and most efficient strategy? What I am hearing is, I need to “establish residence” for 2 years, then sell. Is this accurate?

I was just checking my salary slip on new payroll tool and found some interesting things.
There is some ex-gratia 3 amount ( less then rs. 500) and income tax deducted is more then last months (which is unusual as I have declared my fbp and IT declaration in oct only). Upon checking in IT statement found I got gift perk of around rs 4500 but it eas not added to my salary in account. Did anyone know where is this gift perk and how can I use this ?

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

Question for the group: How to trade stagflation? Shorts and commodities / precious metals only get you so far.

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

How do you calculate IRR for a write off? Is it just 0% or should it go negative? There’s no cash moving after the initial investment so not sure what to do.

What's the best city in UK to buy a buy to let property, with best returns?

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

What companies do you recently regret not investing in?

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Looking to transition to a new career, possibly to SWE. I have a physical science background with some student loan debt. Before I dive into more student loans, I wanted to check out some Software Engineering boot camps....

Any recommendations? What's your personal experience? Are they worth paying, or is college the way?

Has anyone used or heard about Flagstar Bank for mortgage? Seem to have a great program for JDs, wondering if anyone has any bad experiences or good experiences with them

How do you ask for points?

Is it worth it to save up to fly business or first class internationally [even just US to EU] - or save the money for other things?

What would you do?: trying to maximize points. Have CSR, Amex Gold, Chase freedom unlimited. Will be receiving CORP Amex from new firm. Background:

Whats the max of monthly rent has anybody shown for HRA deduction 😅

How to transfer PF fund from hcl to epfo if i was a non pension member???

🔮 Looking for some buys with my new found gains in ETH 🔮

Lots of right wing hysteria about liberals trying to engineer equality of outcome to correct sexual/racial inequities (in higher ed, for example). I think we all want socioeconomic, gender and racial barriers to opportunities to be addressed, but no significant number of people really believe in equality of outcome right? This is just a straw man argument.

Question. Court case reveals a security breach of an associate. Should the firm be notified?

Hi! I’m an LVN working as a Case Manager in California. I’m making $27hr. Is that good or should I be looking elsewhere?

Hi all, I'm trying to break into sales coming from a technical background. It's been very difficult as a lot of recruiters only see the technical aspects of my previous role, even though I've added in some sales aspects from those roles. Any advice on how to break past the initial view of my resume/past technical experiences to get interviews?

Program Manager L3 salary in HCOL?

Does anyone know the salary for Managing Consultant at Capgemini? The consulting practice not Tech

Hello all, I have received an offer from tiger Analytics for Data Scientist role. Kindly suggest if I should join the company in the recent events of layoffs and recession?

Most of the folks in PDM received no adjustments is it same on other projects too

McK AMA. On PTO this week and next. What do you want to know?

Hello Everyone
Need to vent for a minute. I am a middle school librarian. I service 5-8 grade students. My library ran smooth as ice cream this past year. I made my own classes and times students were allowed to check in out books. I serviced a grade a day and on Fridays everyone was allowed to come get books. We have new administration and this year I have class periods and one planning period like a regular teacher. I have 27 students in each class. " Ridiculous." Has your library changed?

So it isn’t the car after all !!!

1st year manager salaries? What can I expect? Name your location too.

Best HC Plan offered by Deloitte for someone who sees multiple specialists and has a large number of recurring prescriptions?

One of the worst parental insurance plans. 30% co-pay and that too on such high premium.

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

Anyone punched out of state 4-10 unit apt building? How did you find the listing?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

Planning on Arizona, Phoenix area. What is the best today, purchasing a home or building?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Can I get a commercial loan without 25% down?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Any one knows what’s the easiest way to order a radon test for new construction?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.