What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Roth vs Traditional 401k, thoughts?

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Other than a Tesla, what make and model has the best acceleration per dollar?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

Marriott or SPG credit card (for the sign on bonus)?

I’ve been using other people’s stock site logins for years from 3+ jobs ago

Any recommendations for high div stocks with good balance sheets. I’m thinking these could be the best picks in this market with many growth stocks seemingly overvalued

How do I classify my property for tax purposes if I received rental income for exactly 15 days this whole year? Primary?

$DPZ 370c 3/27

Anyone have a good PE specialist financial advisor?

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

Any good mf with less tracking error to invest in us equity.

ENBD is the crappiest bank in the UAE. Thank you

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

I was released without cause today but my boss mentioned my battle with mental health and that I’m looking for other jobs before canning me. Should I address this with the board or leave it alone?

Giving a CLE on practical tips for young lawyers, which focuses on practical tips such as looking for leadership opportunities and client development. We want to give a hand out of resources we’d recommend, like books, podcast, etc. Any recommendations for resources we should include?

Ran out of time to write the MD email at the end of PEPI interview, but explained what I would write. Do you think it might be a ding because of that? I know I will find out soon, but anxiety is over the roof and hence this message.

Got a non-paying client we need to avoid? We’ve all had clients who don’t pay their bills. Feel free to list them by name, how much they owe and how long they’re past due. It’s anonymous, after all!

Is there an appropriate way to turn down an assignment because it is non-billable? Two of the partners I work for keep asking me to write client bulletins and articles with them, which is great, but now I’m starting to worry about meeting my billable hours requirement.

Im looking at new job opportunities out side of PA but struggle to confidently answer how much I’m looking to be paid. I’m so worried of over asking or leaving money in the table.
I’m in a SoCal HCOL and have been asking for 100k for Senior Internal Audit Roles (2 years) and working on my CiSa.
Is that too optimistic?

I recently joined TW some months back and I dont know why I think have made a wrong choice for myself. I am feeling like I am lost. I am not able to fit in in this high expectations environment. I am used to working in a place where we always worked by taking help from others and here it is sort of assumed that we would be knowing everything right from day 1. Also there is no pairing in my project. Any suggestions on what should be done would be welcome.

I work part time for a startup for equity and am attending an event on behalf of the startup. I’ve only been here a few months and asked multiple times to have a prep meeting with my boss. He instead sent me a 15 page document outlining 40 questions I should be able to answer the day before the event.
I’m so incredibly stressed as I don’t want to show up unprepared and make myself look bad. Idk how to make light of this situation at this point

Anyone actually use the Networking feature here on fishbowl? Like yeah I see some of you with it on but do you actually use it besides thirsty dms?

I’m an incoming MBA student. Is it possible to get by for a few months with just an iPad for class and a desktop computer at home? I would really like to buy a MacBook Pro with the M1X chip but rumor is that they are delayed till October

Hi,
Only hdfc bank accounts can be given as salary account in Pwc AC ? Is it like that?
I have Axis Bank account.

Hello Fishes - Joiners TCS in Nov 2021 (Lateral). So will I get hike after FAV or not as they are stopped doing so.

Hi Fishes,

I am looking for a job change, I have 4 Year 6 Months experience as PMO(Project Management Officer), please refer to me.

Currently a staff attorney in US firm, hoping to secure the permanent position as Associate after contract ends. Any advice?

How are fellow desi single fish spending Christmas?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

What's the one thing for you that turns a house into a home? Or one thing that can always make a house feel homey?

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.

My new home construction will be done by March/April 2023. As there is a little dip in mortgage rates now is it better to lock the rates now ? I am in dilemma to lock the rates now or wait for few more months as I have time till March 2023.

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

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

Is buying fancy condos with high HOA(>$1k) worth it?

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!

I'd like to buy, but the market is absolutely atrocious currently

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

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!

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

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?

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.

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.

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!

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!

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?