What stage are you at in the home-buying process?

Personal finance/investing advice for recent college graduates? Best personal finance and investing books/websites/subscriptions/YouTube channels? Thanks!

Anyone opted for NPS Employer contribution, is it good for tax saving? Is there any maximum limit to it? Does employer really pay it or deduct it from our CTC only?
Please help.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

It’s a myth that renting is “throwing money away.” Maintenance of a property is expensive! I’m selling my place and I’ve never felt more free. I can use that money (~$5000/month) to invest even more.

Hi all, new to this group and to home buying. Wanted to get advice on whether this is a good time to purchase a condo. Also how do you know which area is best in terms of future appreciation? Thinking of Hudson county, Newport jersey city or close to it. Any thoughts on pros and cons to be considered when purchasing a first condo apt ? Also what resources are available for a first time buyer . Thanks a ton in advance

Thoughts on the new Chase Freedom Flex?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Which bank account is better for salary account?

HDFC
Axis

If you could go back in time what would you tell yourself before taking out student loans?

Do you advise taking equity out of your personal home and use that to invest/down payment of a rental property?
Some facts below:
I bought my personal first home in 2020
Bought it for 795k
Mortgage of 400k
Current market price 1.6M

Looking to open a taxable brokerage after maxing out Roth and 401k. It’s more so for a house down payment in 5-7 years. Can someone please provide insights on ETFs vs mutual funds?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

Firm wants me to back pay last year FICA tax(Social Security and Medicare tax).
Last year I started working as F-1 and transition to H1b. Firm never withheld FICA tax.

Now they ask me to back pay last year FICA tax and then will send me W2c form.

The catch is I already file my tax without those FICA tax. Should I pay them and file tax amendment?

Does anyone have recommendations for thought leaders/influencers in the M&A space? Looking for blogs, books, YouTube videos? Not currently in the space, trying to learn more as I’m thinking about a pivot after a few years in consulting/startups

Hello All,
I got selected in kpmg india and its been more than a month ,I hv not been alloted any project, what should i do ,should i keep my options open outside?do they lay off?

Can someone share the salary range offered for SAP BRIM Consultant?

YoE 6

Hi folks ,
Can anyone let me know of all projects in AC Blr follow 2-11 timing ? I have got an offer from them.

I just took a leadership role in industry after 5 years in advisory (industry hire). Partners, any tips for the transition? What have you seen your clients do well/poorly during big career moves?

Does anyone know of good NYC headhunters for early career consultants (2 years out of undergrad)?

I run a small SaaS startup. I am looking for a growth manager for my company, who can wear multiple hats. She should be able to do presales as well as helping me in the building strategies for the company. Any help, what should I look for in an ideal candidates? Any suggestions about how would I interview candidates? Thanking you in advance!

Promotions announced in EY India. Any one in GDS received the call till now ??

If one day you become CEO of a company, would you consider hiring management consultants knowing what you know now? Why or why not?

Good sushi place recommendations? Looking for Omakase for $100-200 pp

Starting a new job next week and when do I tell my coworkers that I have a newborn? Male asking.

Bain & Company folks; anyone willing to refer me for the London office?

Hi folks, my base location as per EY GDS offer letter is Noida but I want it to be Gurgaon as my hometown is in Jaipur and Gurgaon is more convenient for me.. I sent email to my senior manager and got response that you can use flexibility and work in any Gds office in India. However, I feel that in case my base location is not being changed, I should shift to Noida rather than Gurgaon as there might be any formalities or facilities which we need to avail in our base location only.. Any thoughts?

Want to get new bag for work and not sure if I should get a Tumi briefcase or backpack. Seems like I’ve seen more backpacks these days. Thoughts?

I’m a firm believer that a manager should develop a positive relationship with employees, but I don’t want that to be an invitation to disrespect my authority. How do you know where to draw the line to make this distinction clear?

I recently had a student who complained that his professor did not use enough citations in his academic papers. I was wondering, are we still allowed to cite our own writings in our papers these days? Or is it just a thing of the past?

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?

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

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

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!

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?

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

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

How do you find lenders? Should I pick a realtor first?

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

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?

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.

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.

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

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

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!

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

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

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

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.