In this market would you decide to either use the money you have for down payment on a home, invest it stocks, something else, or just hold?

Y’all I want to thank you for the tax discussion/questions we have in this bowl. I've been applying it to my job and it's helping. 😄 Of course, everything should be taken with a grain of salt.

Help! I honestly don’t know how to get my annual expenses down from 100k

Family of three, biggest expense is mortgage. We eat out 3-5x a month, don’t have entertainment spend, don’t online shop, don’t vacation, one car....

Sourcing creative cost savers!

How do you guys deal with portfolio drift? My personal portfolio has drifted due to great performance. Now my dilemma although good is do I reduce it. The problem is this investment drifted from 20% target to 25% but I still think it’s undervalued.

Do we still receive points for the stay if I book through AmexTravel?

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

Does anyone have a realtor that they love in center city? We’ve outgrown our starter home and looking for a little more space!

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Best way to use Amex Concierge? First time with so not sure what best practices are (do I need to do research ahead of time or are they basically like a personalized travel agency)

Hey 🇬🇧 🐠,
Has anyone ever invested in an EIS or VCT?
It appears to be very tax efficient and was wondering if any had any experience (returns, good fund manager, ...)to share ?

I want to buy a townhome or small house but I have no idea where to start. I’m a single, 24 yr old woman with 2 puppies so I just want a nice place to make my own. I don’t make much so I don’t know what I’ll be able to afford or what areas to look in since Atlanta seems to be so pricey, though I have no debt. Any advice?

Why aren't stocks going down anymore?

What is the *prime* amount of money to bring you happiness?

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

Very basic question, newbie here: how much does EY contribute to a 401k?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Leaving the firm I have a credit balance of 230 on my company Amex. Is it wrong to use that credit balance on whatever I want ? Last day is this Friday 👍🏾

What do folks find most frustrating about patent prosecution? Drafting, OAs, client relations, other?

For me, I dislike drafting the spec to explicitly recite the basic things it does, eg, server talks to client to do <basic action>.

Does your firm form leadership group trainings? We usually do every summer but we are starting one these last 2 months. We usually read books or watch something and then discuss. If you do them, do you think they are effective?

Salaries for senior associate through senior manager at national tax office?

Folks - what's the risk while filing for an LCA for a new project? Potential for RFE or possible rejection/cancelation of H1B? Moving from OPT to H1 so would appreciate some inputs

Hey fish

I have separate NPS account in which i was contributing for more than an year and now i see an option in my payroll portal like i can link my NPS PRAN to current org and employer will also contribute equally

Can some one suggest what does it benifit us and how it differs from EPFO which we have already

Hi fishes! How is the bench looking at the moment at EY financial services? Recently got an offer from EY and a bit conscious given the overall economic climate in the UK

What's the salary band for a Senior Manager of Product Operations in HelloFresh?

11 Likes to enable DM, Pls help..

I just connected some dots and got a colleague off the bench and on some billable work. What a great feeling! 🤓

Is a second career gap considered career suicide in tech/consulting - both were voluntary, never fired or laid off?

What’s something you learned about engineering only after you got your first job in the industry?

Anyone know the salary range for a SAP implementation consultant at Deloitte?

Hi fishes,

Stack: Nodejs, JavaScript
YOE: 6+ years
CCTC: 14 LPA

I have got 2 offers. I am not sure which one to choose. I have mentioned the details below.

1. Elsevier - 23 Fixed + 3.5 variable pay(No relocation required)
2. T-Systems - 26 Fixed + 2 lakhs joining bonus (Bangalore relocation required - Hybrid model)

Confused between the above 2 offers. Which one will be better regarding wlb and job security?

Thanks in advance

Hi, how much can I ask ectc at Rakuten
Yoe 4.3
My cctc 6.3 lpa
Holding of 13lpa

As everybody tells u will get more offers during the last one month of notice.

My scenario is i have decent offer but i dont like to join there because of location issue and im looking for jobs in new tech where i have less exp.

Considering this even though if i have less knowlege and if i perform a decent interview process will i get offers at the last moment?Is the offers during the late notice is given based on as he can join early even his performance is average during interview. Pls share

Walmart hr collected all the documents from me but she hasn't come up with an offer from the last one month...., Will Walmart give me an offer or not??
@walmart

So working on an aging monolith system and trying to put a whitepaper together to explain the reasoning for transition to a headless setup.

Starting with absolute basic of separation of concerns and git branching projects and cloud / blob hosting for imagery on a cdn.

These are the quick wins I think.

Just looking for some insight if anyone has any experience on something like this. The backend is java IBM I series and the front end makes me want to cry.

I have a paid off rental property. How can I borrow money against it to invest in another rental property? Should I even consider doing that or just use my other savings for downpayment?

I own a rental with about 75k in equity. We have no issues with our renters but I’m wondering if it is time to sell. Do you all expect property values to continue to rise or do you think they ....

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

Anybody know of a website where I could see rental vacancy rates, historical trends etc. if I am willing to invest in a specific zip code?

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

Any one has rental properties in NJ ? If so on a average what’s your Cash flow?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Loopholes to using a VA home loan for rental properties? Have heard buy a duplex and rent half out but curious if there’s other opinions lol

Looking to start investing/buying rental property. I want to acquire 1-2 per year. How do you find the right realtor/agent? I’m having hard time locating good one in the Houston market. Thoughts? How did you find yours?

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

The pros and cons of waiting for the housing market to crash to buy a property!

Can one get a home loan from US financial entity after combining assets of 2 people, where 1 lives abroad with no income or credit history in US?

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.