https://twelveclub.onelink.me/2Cmd/e0c88d6e

12% club!

I have been investor on 12% club for more than 8 months now, and getting good results.

Instant withdrawal option also they have.

I suggest you to add this as your investment option, all the best!

Just started to work in the US on h1b.should I invest in 401k? What if I am not sure about staying in the US for the long term..Is there a penalty for early withdrawal - does it make financial sense?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

When do we submit proofs for rent, investments, etc?

Anyone have any good book recommendations around building passive income sources/building wealth?

I have $20k student loans and have been paying $1k per month throughout pandemic to lower the balance. Would you continue to do this? I could pay them off, stop payments in hope of debt relief or keep up with current strategy. TIA

I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

Which pension plan does KPMG UK use? I’m US based but needing to rollover my existing UK pension due to new job / new independence restrictions and trying to align plans. Thanks!

Do you guys think the Bay is a good city to retire in? I want to buy my parents a house closer to me but not sure if I want to move them here but it's either that or I leave

Can someone explain how to maximize the 401k employer contribution -- by when during the year should I have invested the full $18k to get the 1.5% match?

1040 help.. if I own two homes and loan amounts add up to over 750k, and mortgage interest deduction is limited, can I choose to report only one mortgage (and ignore the other 1098)? Using turbo tax but numbers are not making sense to me.. we bought a new home near end of 2021

All my six-figure salary consultant friends are ranting about how poor they feel right now because their IRAs/portfolios are down. Think the people in this industry need to take time to volunteer or engage with some tougher parts of town and understand that by virtue of even having investment accounts, that they’re more financially safe than at least 50% of America. Sad to see

What % of your gross income do you all put into savings?? I have my 401k at 6% (or whatever the min to match is) and then immediate put about 20% straight to savings. Young, but worried for future!

What is the difference in subscription to notified and subscription to approved mutual funds?

Who all is looking to buy a house and in what area?

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

I’m looking for recommendations for a bench top bandsaw. I’m willing to invest in a nicer one down the line, but right now I want to keep it under $300. I mostly see Powertec, Shop Fox, or Wen. There is a $375 Grizzly I’d consider if it’s way better than the others. Any thoughts?

Has anyone made a property purchase using sheriff sales? Can you shed any light on the process or share tips or resources?

Would love some advice / thoughts. I went straight from law school to a corporate legal department in house for an asset manager. They like “home grown” talent and I “be worked hard and risen relatively quickly (AGC in 9 years). I work hard and get a lot of complicated deals done (structured products and private funds). I can’t shake certain people (in compliance department mainly) thinking I don’t have enough experience to do what I do because I didn’t come from a law firm. Any advice?

So unmotivated in every other aspect of life except work. Haven't been to the gym. No balanced diet. Personal chores piling up. Ugh. How to get started when so many things need to get done?

Mental health question - I can’t stop reading the coronavirus news and my anxiety is out of control. Obviously can stop reading the news but then anxiety of missing things takes over... help

Do I have to bring proof of my medical condition to my covid vaccine appointment? Just wondering if they give you any trouble.

Does anybody know if it is true that Kearney’s compensation is structured as “only” base salary with no bonus at entry level?

I’m in Georgia, and in the process of settling a claim. The liability insurance rendered the full policy limits of 25k, a release has not been signed yet, the coverage is 25/50can I still send a loss of consortium demand for the non-injured spouse ?

Hello Everyone!

I am looking for pre occupied sharing flats in Hitechcity, Madhapur, Kondapur, Gachibowli.

Ready to move immediately!

Budget: 10k (negotiable depends on amenities)

Any leads please let me know..

Thank you in advance!!

Is there a clause in IBM if one separates before completing year.
Offer letter mentioned recovery of joining bonus if separation before 1 year. If i resign now ,my lwd is beyond 1year since I joined 10 months back. Which date will be considered here? Day of separation filing or actual lwd .
Also Can one can revoke separation at a later stage?

How is SAP projects in IBM?

Please suggest any good sources to prepare for data engineer interviews in GCP, Python, SQL, Pyspark. I have worked only in a few tools in GCP and done basic coding in pyspark and above average in SQL, but need to be prepared to handle all questions to grab some offer. YouTube has lot of resources but confused on which one to start with. I have an interview this Tuesday in another 2 days.

Is credit Suisse good company in terms of job security?
Yoe: 3
Tech stack: java angular

I’m interested in pursuing Health Informatics…….. are there jobs in this area with a background in OT or is this primarily for RNs?

I went to a nearby mall with family.
There’s this toy train in which kids sit and train runs on the floor.
I envied the job of that train driver. Kids smile at you, say bye to you!! Even if you bang into someone they gonna smile, and not escalate..

My Big4 job is making any job look coool!

So someone I know asked HR about a boot policy. When he found out that there wasn’t one, but his boss said there was (who gave the guys $ for boots and the claimed it on his expense reimbursements as something else) the boss got mad at him for askingHR (and in trouble for the expense reimbursements) and then 2 days later laid off my friend. There appears to be no notice of bad performance and this person always was the first person on the job site ready to work. Thoughts?

Hello, I looking for referral in business developpement management with relocation option. Thanks to anyone that can help!

After 5 years as an AE / Sales Manager, what are the next possible career paths?

I love sales and wish I could stay as an individual contributor, but I feel like I am not getting anywhere with the salary i want, and the job itself I feel isn't using all of my potential/skillets (plus I'd like to learn and put into practice more).

So I'm really keen to hear from others what steps they took in their career to get into roles they love doing now but still within the sales side of an organisation.

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

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)

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Is there a way to Pay rent via Credit Card without paying the convenience fee?

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

How t save tax for 9 lpa salary. Can anybody help me out.

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

Feel free to ask any personal finance related questions here, from equity investment to CC offers. There’s nothing called silly questions, we have some excellent peers in the group to answer it.

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

MY NPS SIP deducts 30/- as convenience fees
I am 27 my NPS is for 33 years my convenience fees will be around 11k
What to do ?