Is it better to put more money towards a down payment or put more money towards the monthly payment? Any benefit putting more than 20% down?

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

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.

What is cost of leaving near Bagmane TECH park Bengaluru?
1BHK house rent?
#Bengaluru

What price per sq foot to investors start buying in the north ATX home? My home is on the market and not moving. Trying to understand at what price point does it become attractive to investors

What do I need to do regarding my Amex before leaving the firm

How to save tax for the money from freelance work? As i already have a full time job.

Hi fishes, I have only one house property. But when I tried selecting ITR-1 for filing income tax, it shows a message in red mentioning I should select either ITR-2 or 3 since I have income from more than 1 house property. Should I go ahead and file with ITR-1 or do I need to get correction somewhere before filing the return?

Pre-tax 401(k) or after-tax...thoughts?

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

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

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Looking for recommendations on good personal finance apps.. have used mint for a while but wife and I are looking for something we can both link all of our accounts together on…need both mobile and web app

Noob question on selling puts- I just sold a weekly put that I WANT to get assigned. The stock fluctuate a few dollars a day so I’m looking for a specific price to own the shares at vs entering a limit order. The stock has already gone below my selected strike price by a 30 cents today but I haven’t been assigned the shares 🤔. Is it only by expiration day or am I missing something?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Best summer experience so far @ your agencies?

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

Is Marathahalli a good place to live with family? Will relocate there from KOLKATA 🙂

McK 🐟: Is it helpful if a Senior Partner from another part of the world puts in a referral (looking for role in the US)

HI..I'm currently working as a analytics consultant in India and i'm about to get offer from Deloitte UK(Risk advisory). How much salary i can expect for a manger or senior manager.

Along with Salary what should i ask during salary discussion

YOE - 9.6 years

Any advise will be a great help

Hi,
What could happen if we do not work in the current organisation after putting down the papers?
Though the LWD is yet to be received from the Manager.
Thanks

Hi guys! I recently cleared the AWS CCP and look forward to preparing for SAA. Can someone please guide? Too many resources available but with the CA02 I would need some recommendations for courses, timelines, practice tests, etc . No prior experience with cloud. TIA

Hi everyone! I am a newly promoted senior at a B4 firm. Thought I might post in this bowl about being interested in referrals. Not sure how it works in consulting, but I feel like it’s an industry I’d like to get in. So if anyone is looking to refer someone, I’d appreciate getting in touch with you!

No hike like last year ?!

How much hike can I expect if I shift to senior recruiter profile in a big organization? My current CTC is 4.8
I am expecting somewhere around 10 lpa, is it possible?

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

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.

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.

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?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

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

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

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.

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

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

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

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!

What is the most difficult part of buying a home for the first time?

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.

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!

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?

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Any recommendations for buying agents in Massachusetts?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

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