Hello friends,
I’m investing in Axis Bluechip & Axis midcap from last 3 years.
Off late, I have observed both the funds have underperformed.
Those who know more about Axis MF, share your insights.

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

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.

HYSA anyone recommends?

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

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)

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

Can my current lender refuse to accept the payment from refinance lender because they want to make more money from me? How do I sue them ?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

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.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Looking for suggestions on stocks to invest for beginners? Any suggestions on YouTube channels or articles/people to follow to read and stay updated on these things?

Can someone explain the LTA policy? What happens if I don't claim any travel bills? Can I claim it as a taxable component monthly?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

How to save tax for the money from freelance work? As i already have a full time job.

Hi,

Kindly ping me if you need any help for filling up the ITR. I will help you to get maximum return.

Charges applicable.

Thank you

What sort of questions are asked in an interview for Senior Analyst(Data science role) I have an econ background. And experience in analytics not in data science.
Examples would really help. Thanks!

I recently joined Microsoft and see there is lot of internal politics ..i am not sure about all teams.but only my team

Managers are assigning good works to people who are close to them or favourite rather than good people ...is it true in all teams or only in my team..also it's not my individual opinion evryone gossiping the same in my team

2nd year staff from Big 4 looking for a Staff Acct position?Co pays 70/75k max.CPA not mandatory but pref working on it.High growth env. PERSONALITY important.Hardworking&can put in the hours.Bay Area

Hy Team,
How easy for developers to get on-site opportunities being mobile app developer?

Check your band for year 2020-21

Whats the average increment ubs provides as appraisals?

What is quality benchmark for USA, the we have ISO?

Signed up for a personal trainer! 2x/week strength training with her... to begin with!

9/7: What are everyone’s plans for today?

For me- treadmill, chest and shoulders.

Max or Lewis fault?

I think it’s 100% on max. By breaking so late he was banking on Lewis backing down, which was very risky.

How is account management in jpmc

Any insights on BX London? Specifically the credit platform (ie the ex GSO guys). Culture/comp/near term roadmap?

Is it misleading to just look at Total Compensation from a $ dollar value/ Total Compensation seems to be much more subjective than base salary in terms of its value. Some factors might be:

RSUs granted on dollar value or by # of shares & stock price trends
Vesting schedule
strike price on ISOs & delta between strike price and real market value

For instance, most of value in Amazon's comp seems to be granted in years 3 & 4, but it's well known that most people last only 2 years max there.

If I want to transition into M&A from audit, what are some basic things I should consider?

In one month is my mid term review.. Should I let my mentor know I'm applying for mba this year now or should I wait till after the review session? I'm afraid mentioning going to b school would hurt my "fast promotion". What's your guy's experience? :)

Anyone play elden ring? Is it as good as the reviews say?

How is Azure Devops team in Microsoft?
How is the work culture and all?
Which are the best software teams in Microsoft for Hyderabad location in terms of learning and career growth?
If anyone know anything please share.

Thanks

Need some guidance in general. I am a non tech recruitment who specialises in management consulting hiring mid and leadership levels and lead a team as well. Wondering what my next steps should look like. Do we have an experienced TA professionals here?

It is possible to change into some other aspect of HR post 5 years?
Is it worth doing an exec MBA from XLRI jamshedpur?
Have so many questions 😵

Looking for Remote/WFH roles in Analytics domain - Senior Consultant/Team Lead/Asst Manager. Have 3.5 years of exp in Banking analytics domain. 6.5+ years total. Open to other domains as well like Marketing Analytics, Insurance, etc.

Kindly let me know in case of any available opportunities.

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

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)

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.

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)

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?

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.

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?

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

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.

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.

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

Hi folks,

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

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.

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😒