For buying 1 Cr flat, how much salary one should have ? And what would be the ideal down payment & what should be the loan tenure. Don’t just consider this financial perspective. Please do consider the emotional aspect of Indian middle class boy who wants buy a house.

What is your top stock trading platform? I use Ally invest and Robinhood. Not happy with both. Looking for a platform with low fees, fractional shares and solid analytics. Thanks in advance

How to best calculate the loss of value(diminished value)to my car due an accident? Insurance agency quoted a really lower amount.

Hi,

My PF memberId starts with PYKRP, is it same for everyone?

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?

Any advice in terms of investment to save the maximum tax?

Safest wallets / exchanges for buying VET and safe moon? 😭

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

Hi Friends,

Could some recommend some good pgs around fidelity investments (manyata tech park). I will be starting the office from Dec.

Any good Cannabis stocks, ETFs, or mutual funds with decent returns?

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Can wife claim husbands PAN for HRA? Flat is in the name of husband

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

I be wanting to go off but then I check my bank app, calm down, and keep working.

What are yall buying?

What percentage of your monthly income do you actually see in your check, your net pay? Basically, what percentage of your check goes towards all the different deduction? I get 50% of my gross income deducted.

Start my new job tomorrow and provider administrator assistant, I’m excited

Can someone please refer me for QA automation in selenium +Java role with 4+ years of experience.
Immediate joiner

Hi all, my name is Alex and I just joined the bowl :)
Im graduating in may with a BS in Industrial Engineering. Ive also held a Data Analyst Internship for 1 year with a small construction company. Anyone have advice where this combination of education and experience would make me most competitive in terms of roles/companies?

Not able to clear Independence Training for new joiners can anyone help how I can clear this?

Hello fellow fishes, currently I am working as an Information Security Consultant and wanted to switch my career into Cloud Security.

I have around 6+ years of experience in Information Security which includes ISO 27001, NIST CSF, SOC 2 and PCI DSS.
I have also done some cloud certifications such as AZ-900, AZ-500, AWS Specialty Security and currently preparing for CCSK and CCSP.
Can anyone provide with any suggestions through which I can switch my career.

How long would you say it takes to adjust to a new job?

To all the people searching PGs, i would suggest not to go with any online bookings like nestaway, zolostays.

The ideal thing is to land in hyderabad, book a hotel for two days and then go to office nearby area and search for PGs, you will get 100+ pgs in each location. Have a look at the room size, ventilation , bed size , if required taste the food also before booking PG. In case you need flat then also you will see " To let " boards everywhere, just call the number

Londoners, I have a friend visiting me for Easter and am looking for ideas on where to take her besides the regular touristy stuff - pls help!
Plus, what’s the best theater show you’ve seen lately? Thank you 😊

Hello from Portlandia- I'm new to the bowl + just wanted to connect ;)

Top consulting firms in the aviation / urban air mobility space?

Does anybody know which are the best in-house agencies to work for? Thanks!

Anybody with a priority date of mid-late 2015 that is considering switching jobs? I have an offer that I was about to sign, but saw that priority dates for filing in EB2 are already at sep 2014 this April. That makes me wonder if i could either miss my window or worse if the date becomes current while my new employer is still doing PERM. Anyone else faced this situation in the past or looked at it more deeply? Recommendations for good lawyers for advice also appreciated.

Any recommendation for a extra firm good quality mattress under $1k?

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

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?

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 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 feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

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)

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.

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

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 ?

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

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

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 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?

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.

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

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

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.

Hi Experts,

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