Hello sharks !!
I need a suggestion.

I require a 15 lakhs of personal loan . The rate of interest is 11-13 percent as of now which might increase based on repo rate change.

I have two options .
1. Take 15 lakhs of loan and do part payment using my salary and RD amount within a few months .
2. Withdraw my RD and use that money , and take loan of lesser amount and then do part payment and foreclose it .

What should be the best option for me here ?
Any input/suggestions are highly appreciated

Anyone have any knowledge of in house for Farmers insurance? That car stipend is tempting alone.

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Anyone know how taxes work when you sell for a gain? Do Coinbase and other sites prepare a 1099 or are we on our own to "self report" our gains to Uncle Sam?

Thoughts on debt finance vs. capital markets for lifestyle?

Hpw do I buy alt coins? Deloitte, a u tattooing?

How to check what is there in full and final settlement as they just sent the amount to my account...not any mail or anything to check.

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

Anyone here refinance successfully with SOFI after I-140 was approved by I-485 is pending?

Is anyone playing around with leveraged coins on binance?

What’s the largest % of you portfolio you would put in VOO? Currently sitting at just under 50%

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

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

Best book you've read recently on personal finance?

Feeling a large wash out on TSLA is coming. Up on the week on leaked Musk email relating to deliveries. That number came in today at a beat. Bought todays puts when stock at 1208. Looking for 1150. Profit taking is coming. Don’t follow as risk is high.

Hi all, I've just been offered a role at Accenture UK and was wondering what the paternity leave is as this is going to impact my decision. Can someone please share? Thank you!!

Hi fishes

Need a reality check-
Profile-
Btech (mech) + MBA (non-IIM top 15)
4 years enterprise account management- US based personal computing OEM
1 year Management Consulting- Sales transformation

Input required on-
1. What is my profile fit for account executive role like?
2. What is the salary I can target? (Current- 19.6 fix+ 3.5 JB+ 4 variable) I am gunning for at least 30% jump on fixed.

Hi 🐟
Is anyone working as a Salesforce QA? Please let me know what are your daily tasks on a high level and what are the main areas a QA works on.. I'm planning to switch to Salesforce as QA.. Need some guidance..

I’ve never considered freelancing before, but this year I got hit with a series of unfortunate events… including leaving my role for an amazing offer that later got retracted. Any tips on where to start?

Has anyone newly moved to LA from outside of CA? What is your practice area and did you take the CA bar before or after you moved (what would you recommend doing)?

How do you guys work out in the morning and change into clothes without wrinkling them? Special bag to carry? My morning routine is clumsy

Hi All, what does assistant consultant designation related to like senior developer or Team lead? And what would be the base salary slab ? Pls suggest

Writing annual goals. What are examples of how to write “quantifiable” goals as a consultant? Are you measuring number of relationships built, projects, or something else?

Most of consulting is advising on solutions to problems, but I don’t control the outcome, whether the advice is implemented, or the budget. Sales is easy (e.g. “sell $2M of products/services this year”) because there is a clearly defined measurement. What can consultants measure?

How do you negotiate rent in lease renewal in a luxury apartment? Or is there really no way to do that? For context, it’s a luxury apartment complex in West New York, NJ. Any tips and tricks would be very helpful!

Looking to move to NYC in March. Anyone have a room they are looking to rent or looking to move as well. 26 M open to neighborhoods in Manhattan

Is anyone interested in being involved in a new-age tech company that will show world governments and global companies the “right” way to operate so that the planet doesn’t get fucked? If interested, DM your LI and I’ll connect with some NDAs to sign then I can share details :) Cheers and enjoy the warm Sunday weather!

Visiting nyc over nye with family - is there any way to do a low key dinner at a restaurant or is everything ticketed

Hello!

I joined Accenture 5 months back as a lateral hire ( Level 11 ) and have been a part of a project since day one.

I am not enjoying my work here, no motivation at all. Dreaded to report to work and having stress and anxiety. My manager is trying to micromanage me as productivity is on the lower side.

Another thing is, I have started to dislike my current tech and no more interested in it.
What are my options here ?
Is project release possible ?
or I have to put down papers ?

Worst stories about leaving your firm to go elsewhere? How did the old firm take it

Plane travel tip: Delta aisle seats usually have an arm rest that raises giving you more room. #bossstatus

How much does utilization matter for year end once you've met the target? E.g. if target utilization is 85% but I'm at 105%, will this 20% additionally help? If so, how much does it differentiate you?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Anybody have experience using EtherDelta? How the hell do I get my money from EtherDelta back to Ethereum and out? Been trying for a week and the transfer isn’t working

I need to invest around 15k, time horizon 1 year. Any stock ideas at current level ?

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !

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.

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?

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

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.

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

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

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?

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,
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.

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...

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.

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

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 ?