Hello fishes,

newbie buyer would appreciate
valuable advice.. I'm planning
to buy under construction
property(possession Nov 2026)
of ~ 1Cr ..generally how typical
payment schedule for an under
construction property looks like?
I mean builder could ask for 40%
of total cost as plinth of project
has already been completed..
I'm planning to take homeloan
of ~45L..How should I plan it to
make it as wise decision?

WOW this interest group is so small. We are still so early. I guess I will ask something: Are you buying the "dip"? Also thoughts on DCA vs Lumpsum in btc.

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

I am curious how Onesource Income tax stacks up against it's competition.

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

What's a reasonable average amount for basic cost living in LA (housing, food, transport, phone, internet..) for more context : single, would like to live in an independent studio in a nice area.

How’s everyone’s portfolios looking?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Best place to find blockchain savvy angel investors?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Question about solo/self-employed 401ks: If I create a sole-member LLC for a side business and create a solo/self-employed 401k, am I only allowed to make contributions from the earnings earned via the LLC? Or am I allowed to contribute money earned from a different source (ie W-2 job).

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

How was your tax season?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Looking for a new HR opportunity in the Madison, WI area, or remote work. Any leads out there? 19 years experience, SHRM-SCP certified. Tons of employee relations, talent development, benefits, payroll, experience! Still growing in comp administration, and enjoying aligning people strategies to organizational goals and objectives.

Is anyone else exhausted with their consulting staff thinking they’re gods? Being treated with disrespect constantly by them is so draining. How do you manage your responses to them that’s not a 30 second turnaround?

Today is the day I am joining forces with the great resignation season. Who else is thinking or in process of changing employment?

Anyone from Amazon's finance division. Require an employee referral for a role.

What are the best things to specialize in if you want to be a CEO of a bank one day? I feel like I've been a generalist thus far in my career and want to narrow my focus. Should I go work for an investment bank for a few years? Focus on product maangement for a retail banking?

Would appreciate any thoughts or insights. Thanks!

Diamond hands, peeps.

Hi friends,
I've attended a first round interview in Infosys for sap sd today -17th December
Do you have any idea when and how the result will be shared.
And will they share a word with us even if we didn't get selected ?
Kindly help to understand

As LTI is giving posting to people in Kolkata recently, can someone tell if good projects are present there? Is there any onsite opportunity as well?

I’m currently clerking in a Fed. District Court and have been applying to a bunch of Circuit courts but nothing seems to stick. Would anyone be willing to look over my materials to check for typos/errors?

I am feeling some depression due to COVID and I want to move back to Misouri to be closer to my parents, but I'm worried about looking for jobs outside of the major tech cities and moving in general. Any advice?

Hi guys, can someone tell me the pay structure of VP in Citibank, like the fixed component, variable, bonus, stocks etc? What is the normal yearly hike like?

Hi Fishes,
My zs joining date is June 1, before that when can I expect the joining formalities and onboarding process and laptop.
As of now there is no intimation except Idfy verification. Would be great help if you please suggest.

Met a great woman this weekend. We are going on a date at the end of the month. Both have crazy schedules end of this month and next . I can’t stop thinking about her :) happy pride 🏳️‍🌈 ❤️

Any ideas for creative ways to prospect to large numbers of people that require little to no overhead? I’m thinking seminars or workshops that don’t require paying for meals, mailers, or ads.

How do you continue to improve yourself after putting in 50-70 hrs of work a week?

Interviewing for a Google job. Currently an M2 at Meta. On the cusp of a D1 - what’s the equivalent level for D1 at Google? In Austin - so what salary should I be asking for and RSUs? Currently make base $250k plus 25% bonus and started Meta with 200k in stock. Also to note I’ve reached 5yrs so I have that 30d paid vacay coming up which I would lose if I took the google offer, if I got it. How honest are people when other companies ask for your comp?

Anyone here kindly help me put a referral at Google infrastructure team? Currently working as Lead Cyber Security Solution Engineer with experience in deploying network monitoring tools and engineering experience in transitioning from on premises to cloud environment.

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Best app to track expenses?

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

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

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

Is it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.

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?

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 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.

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

Hi folks,

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

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

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.

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 ?

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,
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

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.

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