What comes after signing a house purchase agreement? I'm the buyer.

401(k) gurus - If I switched jobs in 2020, does the $19.5k pretax 401(k) contribution limit apply to each plan or is it across plans? Also, does it matter if my spouse (joint filing) is self employed and bootstrapping and is not enrolled in a 401(k) plan?

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

What happens to the funds you're invested in if you roll an old employer's 401k into your current employer's 401k? Is your current 401k custodian able to continue keeping those funds invested even if they don't offer the funds themselves?

Currently in a situation where I am getting my new built home in October but want to sell my current condo now when the market is still reasonable. Is it possible to sell but be able to stay at the condo few more months?

Why do people accrue prepaid expenses?

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

Kicking myself for not moving more of my retirement out of growth stocks and into inflation protected assets earlier this year. It should have been so obvious this was going to happen after all the events of 2020 and 2021.

Well my $500 DOGE bet from yesterday is paying off 😂. This feels like people are just desperate for a bull market based on speculation.

Anyone know when Ch. 7 BKs must close by? Is this changed by when there are adversary proceedings (alleged fraudulent transfers made to a bank for CC payments)? Asking for my friend who is unfortunately involved bc of his parents, who are the debtors (he isn’t a defendant or a debtor in this, but the payments were made to a CC in his name—a CC he didnt know was opened in his name).

Its in Texas, and the initial BK filing was made about 23 months ago. TIA!

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

Anyone looking for a house to rent in Homewood IL ?

How well can I live in Chicago on $55,000 a year? Also, I have no student loan debt coming out of undergrad.

Will have $100k by the end of this year and want to start investing in stocks. I am willing to take medium to high risk. What stocks/etfs to buy?

Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

Going to a new firm and bringing a client or two with deadlines before I leave — can I do the work now but bill the time later at my new firm as long as I don’t double bill at my current firm?

What will be in hand salary for 14Lpa fixed and 15 including retirals (IBM) ??

Any interesting product management podcast, interesting Indian product journeys, interesting other product journeys that has something to learn for a product manager

Hi,

I joined mphasis a few days back. Now I have a better job opportunity (HCL) with 20% more. Can I exit in 20 days from mphasis with prior information or should I abscond, if i abscond what are the consequences

Any book recommendations for philosophy, psychology, and business? Or any book you read last year changed your values? Going to fly international, gonna read it on flight. 😍

Is there a flying disc / frisbee group in Manhattan/Hoboken?

When traveling for business how do you find while eating out alone enjoyable or the food doesn't taste as good as being surrounded by friends and family?

Will we get extra salary if we worked on holiday in tcs. In timesheet its showing red means holiday

Is wfh available in coforge? The office in GNIDA is very very far. Is it safe to travel by own car? If by cab are these small cars or typical suvs with 6-7 drops?

Is there any opening in Servicenow development. Let me know if, you come to know of any. EXP: 2.5 years. Requirement for a friend

H1-B transfer question

I recently accepted an offer to join a company (A) . They started my H1-B transfer and I received today the approval notice for the transfer.

However, I accepted last week a (better) offer at another company (B) and they will start soon my H1-B transfer.

I attend to tell company (A) on Monday that I will not be joining them. Will there be any issue with company B filing for a H1-B transfer soon?

How did you ask for green card upon receiving H1B? I am a H1B holder thinking about asking my employer to sponsor my green card (same employer who sponsored my H1B). Curious to hear how others with similar experience have managed such conversations!

I had to leave the US before my lease ended due to visa reasons and subleased the apartment. I will be returning to the US on L1A shortly after the sublease ends (but before the term of the lease expires), could that jeopardize my return on L1A?

Is MBB serious about DEI? How is the environment for minorities (both at the bottom and top, including for East/South Asians)

Actively seeking SAP SuccessFactors Trainer who can train virtually. DM for more info

IBM started to drop the mail for join Slack etc. and the mail for laptop request for new hire .

What if I don't join on the last day or deny to join on last day ? Because still need to decide between two offers .

Do you think you have to be an extrovert to succeed as a tech recruiter?

Should I decline the offer and ask to be considered for a higher role that better fits my qualifications? The offer I had was with a great bank but I'm overqualified for that. Its been hard to find a job because I dont have prior experiences.

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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!

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

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.

Are the <3.5% rates gone for good?

What's the best city in UK to buy a buy to let property, with best returns?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

Hi - any good books recommendations for getting started on real estate investing?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)