Filing ITR is mandatory if your basic income exceeds 2.5L. Also it is always advised to file an ITR! DM to know more

What is the advantage of having a checking bank acct? I only have savings accts. Am I missing something?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Does anyone use Acorns or something like that for investing? Thoughts?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

What are some books that have absolutely helped you either working in the investment management space or even just personal investing?

NYC struggles: 1st paycheck to rent, 2nd to pay off credit cards. Almost none for savings. Maybe it's time to rethink my lifestyle of drinks and debauchery ✌️

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

🐟 without dependents, what % of your monthly income do you save and what % do you contribute to 401k.

Anyone working towards early retirement? Whats your target $, age and location?

How do you handle if both j1 and j2 offer health insurance or 401k? Do you decline if they’re the through the same provider?

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?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

I’m about to be representing more borrowers in loan docs. It seems much different than representing the lender where “it is what it is” and bank weighs in if we are going off form. What are the top things to look out for?

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.

Thinking of moving my whole crypto portfolio into BTC. Is this dumb?

Does anyone have a tool/ site that calculates what the offer would need to be to leave a current role, all things considered? Of course, it’s anything more than you’re making now, but I’m looking for something that accounts for LTE, the hassle, risk, etc.

How much should I expect as a L4 CSA at Microsoft, living in Texas? Want to know if I’m being made a fair offer.

I’m looking for a paralegal opportunity in the DMV/NYC/NJ area, preferably remote but I’m open to a hybrid schedule. I’ve an LL.B. (2014), and currently working as an appellate paralegal with experience in bankruptcy, civil rights litigation, and family law. I’m open to all areas of the law. Please comment if you are or know someone/law firm/in-house who’s looking for a paralegal.

My manager feeds me 100 chole bhature & then my tummy hurts so I ask her to give me a leave but then she declines my request and feeds me 1 more plate of chole bhature then I die because of excess gas formation inside my stomach, then I poop & become alive once again then my boss notices that im alive again and feeds me 109 plates of kadi chawal and this goes on and on and on and on

I am an associate at a UMM and my employment contract has a 4 month non compete (yes, even for associates) but I am thinking of lateraling. What are the implications of breaking a non compete? I didn’t say anything when I signed because I was desperate for a PE offer but it seems so unfair as I am just a lowly associate. I am not so much worried about getting sued, but about my current employer tanking my reputation if I leave and break the non compete.

I just received a great offer, but accepting it would require me to give up a 4-week paid sabbatical that’s coming up in a month with my current employer. How can I negotiate a late start? For an L7, senior role, can you negotiate a 2 month late start with a potential new employer?

Advice needed!! Have 8+ years of compliance/legal/in house experience (not privacy law except HIPAA). I really want a Privacy Counsel role so I took and passed the CIPP/US and CIPM exams this past year. I’ve been offered an Associate Director job at PwC. Is this a good stepping stone to a Privacy Counsel role? How long should I expect to work at PwC before I could apply to Privacy Counsel roles??

I’m a former educator that has transitioned to working for a SaaS company. I have been hired under one role but have been managing projects in design UX/UI, content management (auditing and process development), and governance (currently working on a bot project). I certified as a scrum master but I’m having a hard time finding a Scrum position. In transparency I have been in the field about 2 years. Any and all suggestions are welcome and encouraged.

Does anyone have an idea or range of salaries for PIMCO? As either an Associate or Senior Associate? i’m looking to transition back to CA from Dallas. I’m currently at goldman.

My coworker always takes a super long lunch. How does he have the time to get anything done?

Best way to lookup a value with multiple criteria across rows and Columns, for 3 criteria I usually do sum product. Any other tips?

2.5 yoe in data & analytics for financial services. Tier 1 undergrad and comfortable in SQL, VBA, Tableau, and Python. Anyone hiring in NYC?

What's dating like in SF? New to the area.

Hello,

My friend joined RBS with 18 LPA (1,80,000 is the retirement funding) rest comes in basic & benefit funding. What will be the monthly in hand amount?

Looking to enhance knowledge of back-end rev cycle functions, best practices, benchmarks, etc. What are some good books to read for this?

Hi folks,

Is wfh ending soon in capegemini?
And do they provide any wfh allowance and office setup allowance?

After submitting the info for my background verification, I came to know that my ex-employer switched his number. I mailed the verifying entity about it but haven't received any response yet from them. Can they reject my verification based on it solely?

Hi,

I just want to know a fact , upto which ctc can be adjusted to minimal tax deduction under new slab?
Like 15lpa ,20lpa

Hi Fishes,
I started my job in 2020. I haven't fill ITR till now. My CTC is below 5LPA.

1. Can we fill the ITR for previous years? If yes then...Will it cause any issue?
2. What would happen if I start filling ITR from this year only and skipping for previous years?

Please suggest and guide

Does your organization make you feel like your work is only a support function to their more profitable businesses?

Do you submit fake rental receipts and owner pan card detail for HRA? Is it normal ? I see most people does in my team. They submit parents or spouse pan card number as owner pan card number to get HRA. Is it same everywhere?

For rent paid below 1 lakh there is no need to submit landlord's PAN. I have calculated based on my HRA and if I show rent paid as around 96k my tax refund will be around 13k.

However there is no rent agreement or rent receipts.

Will it be a problem later on if I show this in my ITR?

I am working from EU since last year (internal transfer from India), also doing freelancing for an another startup since last 2 years and the payment is going to Indian account.
My employer assigned a tax consulting company in India to support me in filing tax, somehow the tax consulting firm found that bank account via AIS document (not sure how they get it in that doc), as they found some interest credited for that saving account. Will I be in trouble? will I have to pay penalty :(?

I want to know which tax slab can be appropriate for a 10lpa and what are the way I can manage to reduce my tax computation.
I have been to this tax slab for the first time don't have. any knowledge.
can one of you assist what can be done or what are the steps for saving the tax or us it possible to have 0 tax.
FYI,
2.2lck is hra

Could anyone please tell about NPS CCD(2) ? Is it paid by employer? What needs to be done in this?

Hi Fishes,

Anyone knows any CA who can help me in saving TAX by showing in donation or Other deduction.

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.

Please let me know how to claim (whats bills needs to be submitted) exemptions for Special Allowances.

Can we pay rent to our parent?
What if my parents are in other city and I am living @ my company's location which are 700km away from each other. Can I still show that I am paying rent to my parent?
Please help as this is my first time coming under tax slab

Hi Guys,
Need your advice. I have forgot to enter challan details while filing tax and then e-verified then it return with pay later option, though i had paid the income tax first first hand via pay now option.

Will i get outstanding demand plus need to pay penalty for late payment in this case?
Also when will i receive the outstanding payment notice if it happens?

In case anyone needs help with their Tax returns, please feel free to DM me.

How to bring tax liability to zero for 15 lpa ctc?
Can I claim hra for less than one lakh per FY and Maximum housing loan benefits?

The rental place and property under loan are in same city.. Parents stay in rental ( I pay rent) and I have purchased new flat in same city for myself.

How much tax will be deducted on 18lpa fixed salary (1746800 in hand after epf deduction)? Even after investing 1.5 lacs in 80c.

Can we show unequal rent split up between husband & wife for HRA?
Let's say we pay 20k in rent. I want to show that I pay 15k and wife can show 5k. Is this sort of break up possible without explicitly mentioning it in the rent agreement?

Hi all
Can some please help me !!
I have already paid self assessed tax but in income tax website its not updated and money also debited from bank
What should i do now

I selected new tax regime in the company 'xyz' portal for April 2021-March 2022. I left this company in jan 2022 and tax of 16k got deducted from F&F settlement.

I have investment in EPF and submitted the rent receipts to the company for tax exception for HRA. But in F&F, based on new regime tax deducted.

During filing ITR for assessment year 2022-2023, can I file by selecting old regime and get this 16k return?

Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?