Looking to buy my first home, 19, and wanted to know any tips or ways I should go about it, wanting to buy it within the next year, any help?

Didn’t invest in LTC early on, it went down to 260 today - worth pulling the plug on it?

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Investor’s Business Daily: worthwhile?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

As we are not frequenting to office and clientsites, anyone plan to return their leased car to save money?

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?

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

I just offered an intern a full time position as an account coordinator with a starting salary of $50k. They have only been an intern for 2 months and have no prior experience. They acted like $50k was a huge slap in the face. Am I crazy for thinking $50k is reasonable for entry level in Toronto? I am not authorized to negotiate so they will have to take it up with HR, but I am still just shocked at the reaction. Please tell me if I’m totally out of touch!

I am working on a NFOA for a design case. The Examiner identified a primary references and four secondary references. The Examiner also pointed out five differences between the primary reference and the claimed design. For the reply, I found nine additional differences between the claimed design and the primary reference, two of which are not present in any of the cited references. Should I clarify the level of a designer having ordinary skill in the art first? Complex/Expensive article. TY!

I applied for a job at USAA as an EA. Does anyone have any opinions about being an EA there? Benefits, work-life balance, salary, etc?

Best books for learning tactical business management, strategy, and growth? Looking for more meaty than "Playing to Win" - willing to read good textbooks. Have read plenty of leadership dev books.

Has anyone been approached or heard anything about lateral/post-clerkship hiring during (as well as the new timeline for hiring)?

Not compensation based... but this is the largest Canada bowl so here goes..

Am on the look out for Senior or Mid level Android developer roles that offer relocation to Canada. I have 6years of Android(Java/Kotlin) experience, 2 of which are in leadership and 2 years of experience building MicroServices(Javascript, Typescript) resting in AWS(CloudFormations, OpenSearch,DynamoDB, Cognito and Lambdas).

Any leads?

Has anyone taken STD/parental leave at both Js?

Is there a specific reason why Siegfried does pre-employment drug testing? I've never seen a professional services firm do this and weed is already legal in my state

Anyone play elden ring? Is it as good as the reviews say?

is SCDL symbiosis centre of distance learning legit ?

How many hours are you IBD guys REALLY working. Everyone says 80+ hours but never seem to be around when you need them

Spending a weekend with my fiancé’s family out of town and quite literally my future FIL burps out loud 10x a day with no shame and his mom is a narcissistic monster in law just have no clue how these bizarre ppl created such a lovely person in my fiancé. Don’t need advice, just want to bitch. Can anyone relate??

All else equal, is it easier to become direct admit PP rather than promoted to that role from SM or MD? Seems less obstacles. Thoughts?

Which practice group (m&a, capital markets, or funds) would be best for someone who genuinely doesn’t care about this job/law but wants to stay in biglaw (NYC) as long as possible? Some folks say m&a is more “intellectually stimulating” and I wonder, for that reason, perhaps capital markets might suit me? (I’d rather take mind numbing repetitive tasks over more “challenging” deals)

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

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?

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?

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?

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!

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.

Any recommendations for buying agents in Massachusetts?

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?

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

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.

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

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.

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

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.

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!

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

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.