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

Any tax saving ninja technique??

If you hold crypto for over a year it’s subject to capital gains tax right?

Just uncovered my Binance account from 2018 with shitcoins (doge, trx, bnb) now worth $3k. What would you do? Can I transfer them for free to a platform that is easier to navigate than Binance?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

Best oil stock to buy right now?

I’m 9 weeks tomorrow! My husband and I are starting to explore savings options for baby. We’ve looked into 529s, custodial accounts, a Roth, high-yield savings… and I don’t know what’s the best option, I feel overwhelmed. Would love to hear what others have done or are considering! TIA

One of my big hang-ups with biden tax plan is raising corporate tax across the board. Why raise taxes on businesses when we've just found out how fragile it is to be able to run a small business?Why not at least propose some kind of progressive corporate tax structure if you want to raise taxes on corps?

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

Thoughts on airline stocks? Good time to get in?

Best credit cards for a non-road warrrior after CSR and Amex Plat changes? I think Amex Gold and the Chase Flex are pretty good - do not think CSR and Plat are worth it anymore

The only thing I truly care about is money and I’ve tried hard to not be this way but I can’t help it. My parents came from nothing and I refuse to ever “feel poor” again

Anyone know of any openings within UK Engineering firms? Mechanical CEng with 6 YOE within Automotive

Preparing for a Digital Associate position interview.

Have an upcoming phone case interview.
1. How are digital cases different than general consulting?
2. How complex are the phone case interviews?
3. Resources/ books/ YouTube channels I should be looking at?

This position would help me a lot at this point in life. Appreciate the help!!!

I got selected in Infosys and offer was about to get release today but at last minute suddenly today infy HR told I was interviewed 5 months 20 days before in infosys so they cannot proceed now as 6 months cool off period. I am AWS cloud architect with 10yoe. For just 10 days difference they are stopping my offer even when I can join immediately in a week.. Please help in this situation what to do

Our team is searching for a seasoned oracle developer specializing in retail/ecommerce, along with cloud exp. Fully remote. If your interested DM me.

I have two questions. I have 10 years of experience in multiple sectors and I have been trying to gain a leadership position. I am attempting my PHR this summer but what are some tips in order for me to obtain a leadership position? Also, how long does it take to obtain another position out of state? I am trying to move to Houston but I don’t want to move until I am confident I can obtain a position in the city before packing up and leaving.

My SO adds very little to our relationship. She has a dead end job. I cook. I work. I oversee finances. I plan trips. She doesn’t have a voice in the relationship. I’ve asked her to give her perspective but she always defaults to mine bc she thinks I’m smarter/worldly. She feels intimated by me and my social circle. Lately, I’ve found myself thinking for her. Anticipating her wants and needs and then adjusting my behavior to meet them. Which she appreciates but it’s frustrating 29M 27F

Hello everyone,

Need your help to choose which is a better path to switch from Non IT to Core domain.
Confused on what to learn software testing or AWs devops or front end development etc.

Thanks in advance for your suggestions.

Hello, my current ctc is 8.5 lpa, .net tech stack... how much hike I can get with 4.2 yrs experience

Had a 4th interview Friday with a ~300 person start up that I thought went well (along with all of the interviews). Haven’t heard anything since so have been anxious, just saw on LinkedIn that today a new VP of the department I’m interviewing for was hired/started. Thinking they’ll want me to meet him and that’s why they hadn’t reached out until he officially started. Does that make sense or am I just over thinking it?😣

Hello fishes,

I wanted to know the interview process for the role of program manager in Microsoft. How many technical rounds happen? Are they very technical or mostly based on case studies and frameworks? It would be really helpful if someone could throw some light on this. I have recently received a call from Microsoft and would have my screening today.

Hello! Are there any traveling paralegals in the group? I’m interested in becoming one.

Do Canadian firms have any interest in hiring American JDs given the market and that Canadian associates are moving to the US?

What has your firm’s turnover like? Are people dropping like flies or holdout out for February bonuses? We seem to have someone resigning every week.

Does anyone think that it’s wrong to just not need a lot of companionship? I have an SO, decent family members and I guess a few friends. And I really don’t feel the desire to surround myself with peo

Any recommendations on a good water softener system (4 people)?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

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

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

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?

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!

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

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

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?

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.

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.

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.

How much is 2k a month for a house payment? What size loan would I be able to get?

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!

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

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.

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.

Thinking about using my VA loan in a few years. Any advice?