My SO and me are looking to save for our first home.. we don’t have kids.. any tips from you who may have saved for your first home? Did you aim for 20%? How long did it take? What kind of a home would you recommend buying first?

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

Upload button in etax is not working for me. I am not able to upload any tax proofs because of the same. Anyone else facing the same issue?

Do you invest in initial coin offerings?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Who else started the New Year off right with the Roth IRA loophole? 🎩😬

Genuinely curious: How do you justify working in PR knowing that you won’t make $100k+ for 15-20 years? I’m 3 years into my career and I have regrets about choosing this field when I look at my financial timeline.

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Received less salary this month also. (Same amount as last month)
Why is this happening? Too much tax 🥵

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

We made it to 10/15. Now to do CPE and wait for the section 199a deduction to make next year's returns a nightmare.

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

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.

If you only stay a year after returning what happens to the 10K relocation and 20K early signing? Are you required to pay back half or is it all yours?

Why do there seem to be so many comparison threads of achieving XX salary/net worth by age Y?, especially amongst younger people? Is this the fallout of social media and do you think it’s a generation-wide thing, or just contained to folks in “preftigious” circles?

Is Bitcoin about to fall below 30k or rally back above 40k. Vote below 🔮

Any fish in AZ wanna be friends? 🥺

Hi Fishes,

Is it norm in Tech Mahindra?

Received an offer letter with joining date of a week from a date of offer release. No discussion about my joining date previously, though they knew my notice period is 2 months. Now, when asked HR about revising offer letter with updated DOJ he says, first give me LWD Letter. How can I resign before I actually get confirmation of DOJ?
Please suggest. Should I resign and wait for them to send me offer?

Hi Fishes,

Whats is the best mail content to ask for extending the joining date ?

Any approaches that would work at most times

TIA

Anyone listening to the podcast “Dr. Death”? Both fascinating and horrifying...

Any associates with around 1.5 recently switched from ZS to Novartis? I want to know how much is NOVARTIS offering? I have in hand 9LPA in ZS How much can I expect?
Thanks NOVARTIS ZS Associates

Hi All

I'm looking to join LTI
Is there anyone with AEM background who can help me understand quality of work and quality of projects that are aem specific

What is the base pay for Senior manager in Accenture ?

What tech staffing agencies have you had the most success with? I feel like they can be a hit or miss but I do enjoy being a contractor.

I am an AM in Assurance (moved from audit 6m ago) and I am looking for an opportunity- currently i need money but WLB is also a very important factor! I love challenging and non monotonous work. Any suggestions?

A company offered a role, but then went back to the legal team to see if they can do H1 transfer. The job is not aligned with my degree but my past 9 years of work ex has been. How do I try to convince them?

A partner just walked from his office. By passed 4 or 5 people who are generally more knowledgeable on our banking logistics straight to the only black support staff employee to@ask if today is a bank holiday.

Hi All
Anyone from marketing or product teams here. Looking for roles for Sr Manager and above.

One suggestion, we had new team build 2 years back. All persons have left , only I am left with current project. even I resigned in Dec but got retained.
Now complete team left and I am only left in project as not getting much motivation to work on . Working as Project lead currently

Any suggestion???

Senior attorneys at v100, how common is it for attorneys who start at small firms to lateral to biglaw? Have you worked with any? Conventional wisdom is always that if you don’t start there it’s hard to “trade up”. My coworker and I just did it to two different great v30 firms, and I’m wondering if it’s really that uncommon? Just out of curiosity. We’re not special counsel with special niche skills or anything, just associates. Pitfalls to beware? Positives?

So tell me, how did you land your dream job?

Thoughts on Fundrise?

Any Property Management recs in Seattle area? :(

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

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

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

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?

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

How can I invest in real estate ? Looking for an additional passive income source

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

We are renovating a condo and the previous owner had two Crane toilets (not sure how old, but functioning although seals are old according to our contractor). Back outlet flour mount ones are the only options for the building, and one toilet can cost $300-$500.

We are redoing all the bathroom tiles and walls and debating what we should do with the two toilets. Would resealing the toilets extend the use life? Or should we just replace the toilets? Any other recommendations? TIA!!

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.