A very good read if you’re newbie in investments

https://www.icicibank.com/managed-assets/docs/personal/the-orange-book-vol-16.pdf

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.

Anybody got any fire penny stock plays? IDEX is mine, but I’m looking for more!

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?

What actual stocks you all buying today? Got some cash from settled trades I want to deploy

Looking for a good personal finance or similar book to read. Any suggestions?

160k TC, 125k salary in Seattle. How much should I spend on food/rent - can you give a conservative range?

I would like to maximize savings but not live with roommates/in a <400 sqft apartment

1) I know that most of you will say that buying an expensive engagement ring is a waste and bad, etc. so let’s start with the assumption that I don’t care and it’s happening
2) does it make sense to finance an engagement ring purchase or buy in cash? If financing, how much would you have to put down for a ~$30k ring? (If you’re upset by this number just replace ring with car or education or wedding or whatever you feel good about lol)

How do you split income/expenses with your spouse? Wife earns about 75% as much as me. Don’t have kids yet. Do you have a joint account for everything or do you split common expenses 50-50 or in proportion to income? Something else? This has caused some contention so want to benchmark. Thanks!

Can some of you experienced folk recommend some good books for rookies? What are your favorites for investment strategies, marketing, selling, etc.?

I am an expert Crypto currency trader, I do Binary/Stocks FX trade using Bitcoin and other Crypto currency and it's very profitable.

If you don't have experience about it i will teach you...

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Any realtor recs? Looking to buy in Seattle

Hey folks, I’m about a year into my new SE career and looking to continue to invest in professional skills. I’ve obviously been thrown into the fire learning the sales side of things, but what areas (technical skills, certs, books, etc.) you all would recommend I look to invest in? I’ve been looking at some beginner coding boot camps and scrum product owner certs, but interested in what you all have done to further advance your career

Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

Well, its a good thing I sold ARKF when it was $55 last year

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

Hi Fishers,

DM me if anybody want to file ITR for last year, I will help you get good refund amount for whatever tax paid or deducted from salary during the financial year.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Best book you've read recently on personal finance?

Any 🐠 here who have left ClearView? How is life? would you have done anything differently at ClearView to set yourself up for a great exit?

What are the best negotiating tricks for an internal move?

Once you join a MF in Europe in investment team, how common are lateral moves? Can you get go up a level if you make one and have some years of experience?

IFV recommendations in Boston anyone? A Reproductive Endocrinologist the most - but reccs on any and all members of a health team/other tips welcome. Wide and I are about to begin this journey =/

Is it worth moving to Germany for 60,000 euros per annum job from a BIG4 with 16LPA INR ? I'm single not married yet.

The feeling of avoiding mines buried on the gorund is one I carry at all times, and I remember the fear and the anxiety at every step. I still feel like this today, like every decision I make will lead to disaster.

Folks - when you calculate the total diluted share counts, does the result have to tie to the reported diluted share counts on the most recent filing (either 10K or 10Q)?

Question for more experienced bankers, when did you start to feel comptent at your job? For example, I am 5 months in and am still making small mistakes and getting corrected, feeling like I’m putting in the work and time but still miss things, thoughts on normal progression?

Is deal flow starting to pick back up? Just started as an FDD analyst and would love to keep my job

Who are your favorite advertising comedy directors? Who are your favorite comedy directors who are women?

Hi, i have 9 years of experience. i got offer from Tech Mahindra, Spotcheck and TietoEvry. Package is almost same in all the companies. Please say which is good in work life balance and job security

Overnight layover with some buddies in Doha - any suggestions for St Regis or the W? Landing around 11pm and leaving at 9am we just want to go clubbing and party before the next flight.

What's up with the aggressive driving in Seattle?

Interested in getting opinions on Wipflis benefits

Any one looking for job in SAP-IBP profile then please Dm me

There is an opportunity with in EY India.
Role will be SCon

@PWC is worst company for freshers. They are force innocents to resign by themselves and threating then to not to mail anyone and not share this context to anyone worst company, if layoff means ok removing and threatening to not to disclose to anyone means the have lost every single moral. Don't fall trap in the brand name @PWC.

Hi fishes
currently working in India with salary of 37lpa and over 7 year of experience as senior data analyst. Recently got a call from a company in Tallin Estonia. What is the average salary in Estonia for 7+ year experience as senior data analyst. And is it recommended to go with the opportunity.

Looking for referrals for PwC Australia ..

Offer included temporary housing and moving expense reimbursement…it’s been a month since I began working and 2 months since I started moving but still no reimbursement…should I escalate this? How long is too long?

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

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

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...

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

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)

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)

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

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

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.

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

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

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

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.