Wondering on everyone's thoughts on the FTHB Credit Score news?

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

How are these 100% remote positions working? Is anyone living in one state and working in another? I’m wondering about tax consequences and bar admission in particular. Appreciate any insights!

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

I saved up by living at home and it has been sitting in my HYSA (~100k). that’s what my parents advised me to do, but reading about everyone here is making me reconsider - what do you all recommend?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

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

What is a good credit card to get for travel?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

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’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Is it possible to be a “silent” investor (party A) with a friend who’s an accredited investor (party B)investing in a company? So if B is investing $50k in a company, and A wants to give B $25k of that investment, is this possible with an agreement between A and B, where they’re responsible for their own portion of taxes?

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

I am going to buy AntShares aka NEO bigly. It has a potential to go to 100$

I’m moving to Denver with my husband and cat from Dallas. We are 39 and 40. No kids, we will both be working from home. The idea is to rent for a year and see if we like it. I’m interested in the nature opportunities and I’m in ok shape. Otherwise we are homebodies but committed to making the most of our time there within reason. His sister and family live in the Central Park neighborhood but we don’t have to be around there necessarily. Where should we be looking?

Hi everyone, I will be highly obliged if someone can share the interview questions for data scientist/decision consultant role in fractal

Anyone get to the end of the week and see the amount of hours you billed and think “what did I actually do all that time”? Idk maybe I have bad memory.

Hi Tax Fishes,

Anyone can refer me to Deloitte for A2 M&A Tax Role?

Many thanks in advance 👏🏻

Can anyone help me i am have a different situation here i left the job based on a phone conversation with tech Mahindra since they are asking for an immediate joiner. Now after submission of all documents they are not giving proper response .. every time they call me and ask me some documents is missing and some time BG status not received.. i don't what to do ..no job now and even no offer from them.

New Hunky Dory ad 👏 More of these please!

Got rejected from one of my desired tech companies, it's agitating but at least they didn't ghost me.

Hello everyone...!
Infosys has openings for automation testing and ETL testing.
Minimum experience - 2 years
Contact me if interested @

Folks, have any of you ever asked for an LOR from your supervisors here in KGS for GMAT admissions? IIM PGPX/ISB?
Has this caused any issues?

Any idea if these comp increases will make it to Canada?

I know a lot of PE firms have port ops teams, but any pe firms have in-house market l due diligence teams / market insights teams to help deal teams with market diligence (aka market size, customer perspectives, competitive landscape, etc.)

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

When they release DOJ? I got my offer letter already a week back .. BGV in process done with offer acceptance. When can i expect DOJ

How much should a person with a Masters in pharm/tox expect to make?

Which m7s are known for consulting and/or tech as exit opps?

How much should a senior accountant at a top 10 forensic accounting firm, in Toronto, with 3 years of experience have a salary? Is 75k cad too less?

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

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

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!

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 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

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?

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.

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

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

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.

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?

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.

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?

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?

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 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?

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?