We are buying a house and my knee jerk response was to look at a 30 year fixed mortgage (because that’s what I’ve always done). I realized last night that a 30 year mortgage might outlast me. Having a bit of an existential crisis now.

Which bank account is better for salary account?

HDFC
Axis

How much do you normally on average net when you sell a home? Looking to upgrade due to second kid on the way and I’m curious how much goes to fees, brokers, agents, etc. My current home is worth 325k per Zillow and my mortgage balance is 165k, so about 160k of equity. So if I sold it for what it’s worth at 325k, how much could I expect to net for my next home’s down payment? I see different answers online so anyone with experience would be great. Thanks.

Recently put an offer down on a home. Given the market, had to waive the appraisal contingency. The appraiser’s report came back with a significant shortfall. We can cover it but want to push back on the appraiser since there appear to be numerous inconsistencies in the report. Anyone dealt with this experience before? Any tips?

Do we have tax calculator in tcs

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

What do you guyz think of Bitcoin Cash (BCH) ?

What are some of the investing must-reads that you'd recommend?

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 ?

why rent over buy; seems like “throwing money” away?

Need help looking for a 1 bd, I’ve tried domu/Zillow but none of the options are appealing. Should I be using a realtor?

Budget: $1,200
Areas of interest: LP, Lakeview, Wicker Park, Old Town, Streeterville, West Loop, River North

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Can any one tell me, how to invest in quant mutual fund through it's website?

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

My queries is related to ELSS fund.

Can some one please explain me the concept of lockin perod in ELSS fund.?

I have a sip which started on 1st June, 2019.

So the lockin will b till 1st June, 2022 or the 2 yr lockin will keep on adding on each sip?

I am bit confused here.

Any help much appreciated.

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Anyone doing any investing in Charleston, SC

Hello I just started my first job (I’m 22) and I need to set up a 401k for matching with my company. I’m really confused how this works because I want to try to hit the IRS maximum of $19,500 for Roth contributions this year. Maybe it’s too late in the year now, but it’s asking me to pick my desired contribution % per pay period, but I’m not sure how much to do because it says it’ll kick in 1-2 pay cycles and I don’t even know when the next pay check comes yet. Any tips would be great

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 ?

Law clerk here, I currently work for a civil firm. I got an offer from a state agency. Pay is a little bit more, and hybrid model. I am very indecisive. Help me choose what to do.

Does anyone have a non-compete clause in their contract in the UK (restricting you to work at a competitor firm)?
Do you know if Accenture enforces it at the time of exit?

For a UX designer with YOE as 2.8 years. What are really good companies to work in? Good for career growth and also work life balance?

How can Prada want $1,750 for a bag that’s not even 50% leather??? Why do I want to buy one???

Hello,I’ve 11 years of experience in hardware verification. I know SV, UVM. How can I change my career field to AIML? Please guide

Has anyone joined TCS recently after completing in person onboarding? When did you receive the induction link and employee id? My in person onboarding was completed yesterday but I haven't received any email yet.

Hi I have got E2.2 band
What is the difference between E2 , E2.1 , E2.2 etc

Opinions on career clerkships? Especially with a two year old and wanting another child eventually.

Where do y’all work? I work as a consultant at a big four in San Francisco. Looking to move to phoenix but am trouble finding consulting firms that operate in the city. Any recommendations?

Can anyone please help with @Bain referral to Dubai/Abu Dhabi offices?

Has anybody had any luck with flexible work arrangement (FWA)? I am looking to eventually be part time but still remain on higher level projects. Has anybody had luck at any other firms?

Anyone from BCN here?
How is the overall flexibility in the firm? Do they allow wfh etc.

I have an old 2006 Camry that I am eventually looking to replace (it is currently worth 2k). Have always wanted to learn about cars and how to do stuff with it and would like to use this car as an opportunity to pick up a hobby. What resources can anyone suggest (books / videos etc) where I can do car-related stuff, from the simple to hopefully more complicated as I get better. Thanks

Hi , Can anyone explain about level 4 in A& E and the kind of responsibilities , future growth?

Mornin’
I’m looking to help a colleague get started in his engineering career. He’s a mechanical engineer with about a year of experience, looking for an entry level role. Open to remote position or relocation! Any and suggestions appreciated. Thanks.

How much money (revenue) does your agency earn from the account you work on?

What’s the best way to meet other DL gay dudes who are not into the boystown scene?

Has anyone here ever tried negotiating “at will” employment terms in the US? I’m curious what specific terms folks have asked for and how the potential employer reacted.

What do you suggest people under 30 do to put a stop to ageism?

Is anyone changing their retirement plans based on COVID-19 realities and the future of work.

At this point in career, would you take a step down in title to grab a transfer opportunity and get out of a toxic work environment ?

I’m 52M and looking at divorce with a kid heading to college and one still high school. I agreed to pay for both kids’ college and live a like a pauper for the next 7 years. Any advice?

What’s the next move when you’re this age, at plateau of career, not going any further and burned out, but have to work for at least 5-7 more years? Would love to hear from those who made a fulfilling move.

I'm so tired of working. I just want to buy a little place in the country and live a simple life.

Weird question alert: When did your daughters start “developing?” Noticing signs in my soon to be ten year old, which is a little concerning, as my sister has huge...tracks of land. Would rather my daughter didn’t have to deal with what I remember she had to. Anyone remember?

Do you use or have you used First Command Financial Planning? If so, what’s your experience with them?

Has anyone here been able to recover from career setbacks caused by Dot Com, 9-11, or Great Recession economy? Just turned 40 with 15 years of relevant industry experience, and my Big 4 employer brought me in at a level designed for 25 year-olds. Career progression is apparently based on time in role rather than performance, so I’ll have to spend 8 years climbing back to the level I was at pre-recession. Is there another way, or is my career stuck in neutral?

Any thoughts on the put down, “Ok, Boomer”
??

I’m 51 and a consultant. Am I too old to be this level. Starting to feel like it.

Don’t think if my self as depressed, but definitely struggling to give a sh!t recently. Covid, WFH and the craziness of the political drama is definitely a factor, but can’t help but think age and career point is more so - struggling to get excited after 30+ years of the grind.
Looking for suggestions

Does anybody have any experience getting a Grandpad or Jitterbug (or similar) for an elderly relative who is not local to you? My Dad is reluctant to carry a cell phone and never uses the flip phone I got him 10 years ago but maybe if it was more basic /easier to use he would (?) I told him if he goes out walking he should be carrying one. He has a history of falling a few times a year and I want him to be able to call 911 if he needs to. I’m a plane ride away. He lives by himself. He refuses

So my brother doesn't talk to me for 6 months.   (I had offered my lake house guest space to my cousin who said yes instead of my brother who didn't know if he could come nor when he might know if he could come, how unfair of me).

On Thanksgiving day mom arrives and tells me that brother might come by in an hour.  He had ignored my invite weeks ago.  (Uh ok, sure).

Continued...

Yesterday my younger brother called me looking for good hidden swimming spots in the mountains. He was up there with a bunch of friends and their original plans had fallen apart hard. And I go much more often than he does.

I told him I had map pins that are EXACTLY what you need for these hard to find places. I can send them in 10 mins when I get home.

Reply? Forget it, I'm all set.

Yep, 10 mins is too long. Here I was expecting "Wow! That's fantastic!" How silly of me.