Looking to buy my first home would you put more into your down payment now (30%) to have a lower monthly rate or would you only put 20% and invest the rest in the market? Current salary is:$250k looking at homes in the $750-$800K range

Is it mandatory to declare income tax in CGI.Otherwise they will cut extra tax?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

If I have two 401ks (current job and previous job), does the 19k limit apply to both of them together or 19k each?

If I were to rollover a pension lump sum into one of those 401ks, is counted towards the $19k limit? Or is rollover classified differently and I could still continue to contribute to my current 401k?

So i forgot to move my 401k over from my old job a few years ago. Never done it since because I didn’t want to incur penalties. Moving job again, can I do it now?

Hi Team
I've declared the tax under my profile payroll and what is the use of FCP?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Can one do an sip or increase amount in coffee can portfolio gradually instead of a lumpsum investment?

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I have a new prospect. Small business owner that wants to start a 401k for himself and his employees. Who would be the top 2-3 organizations I contact, and what questions should I ask the providers?

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Best long term investment strategy against inflation to get to a large nest in for retirement?

How many of you are involved in share trading/Derivatives Trading apart from your current job? And how are you managing it? What return are you generating?

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?

How long does it take to get ofc Laptop after DOJ?

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.

Anyone do contract work? Experience with wealth counsel is a plus! Thanks!

How important are cover letters right now? I’ve noticed some places still have them as optional, and some have completely removed this from the system.

Is there usually room to negotiate salary when you are promoted? If so how much up can I negotiate? Tips?

What is the expectation of bonus and increment this year. Share your views and thoughts

Thoughts on uneven bridal parties? I would have 5 vs my fiancé having 3 people.

Apologize for posting this again but can't find the previous posts on this. What is the SA1 Tier 1 / Tier 2 salary in Chicago for Tech Consulting?

Are hackathons still relevant after college for profile building?

Hi fishes, Will it be okay to quit in probation period like within 3 months if we get a better opportunity? What are the factors to be considered before making any decision.

Anyone in search of a roommate?

What are your favorite creative studios?

Anyone having sfcc materials or videos session pls ping me.

Is there a North American new comer hangout/get together in Riyadh?

Hello guys is anyone living in chennai nearest to tril infopark tharamani? I am looking for a pg please do let me know if anyone vacancy is there

Any recommendations for companies open to former senior-level agency folks? Looking to make the switch in house and have 15 years experience working in oncology

Is Deloitte USI specifically in Oracle Cloud Technology, Is it doing layoffs? Level Senior Consultant

I currently received an email from Engineering HR on slots to kick off the interview process. I provided them with that, but haven't heard back since then. It's been 2 weeks.

Should I expect a response incase my application is not being considered anymore?

I had my first round of interviews with Mckinsey last Friday. the first case was a disaster but the second case + both of the PEI were quite good. The thing is, my other lead progressed very well, it's also in the Private Equity space, an Investor Relations manager role, boring but good money. they pressed me to go through all the process by the end of the week but I won’t be able to advance much with McKinsey by then…Super stressed, what should I do?

How to look about for opportunities for Acca candidate who has 3y experience in external audit ? Looking for suggestions ! Thanks

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?

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 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?

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!

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 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.

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!

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?