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

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

How is the AMEX account in IBM?

Roth IRA? Yes? No? Who do you have yours with? How much do you contribute each month?

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

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?

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

Robinhood just kicked me off their platform and I have no idea why. Now I need to quickly liquidate. Any recommendations to invest in mostly VOO without any fees and a nice UI for my phone? I need it to also connect to Mint.

How do you and your partner (married or not married) split financials?

Hey folks I applied for a credit card they were asking for official mailid is it legal to provide bank mailid for credit card processing?

Are the AICPA life insurance plans better than the one offered by EY?

Hi! What are your experiences with Robo Advisors? Worth it? Or is investing in a few standard ETFs (no day trading) going to yield more return?

Happy early Thanksgiving! I launched a free investment network with startups seeking capital. Please sign up as an investor or entrepreneur and take a look at our 50+ pitches and everything is free. Appreciate the support and happy investing. This is my dream and really appreciate the support.

Link to site:

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

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).

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

What are some roles you have seen sales people successfully transition to (from tech/SaaS)?

What's the ECTC of a 3-year QA automation engg who wants to apply for an SDET? What is the package we can expect.

Anybody taken adhd meds while pregnant? Or quit because you were pregnant? How did work go?

Anyone else struggling with hormones / mood swings? I am almost 16 weeks and been having a real tough time lately, feeling really down and stressed about things. Sadly, causing tension between me and my partner as well as he cannot relate and seems preoccupied with business as usual. Trying to get out the funk and just telling myself it’s all the hormones.

Senior Associate with 24MAL at lighthouse - data and analytics consultant - what’s the comp range?

Interview with Deloitte for Healthcare Ops transformation Senior Consultant. Wanted to know what salary range i should expect. Candidate with post 6 years of experience with Top 20 MBA degree. Currently at a competitor.

Anyone here works at Brillio? How good is the company for opportunities?

What’s everyone up to this weekend? 🥳

Can we all collectively come together to help IBM find a true match?

@IBM. What are you looking for? What has worked and what has not worked in the past? And please provide any other information you believe would be relevant and helpful for all of us to know.

Do all FAANG companies offer a joining bonus?

Completed onsite interviews for the TAM role and recruiter gave me feedback that my technical depth wasn’t up to par for the role but my googleness/leadership and GCA interview feedback was stellar so they plan to propose me for Cloud PM roles instead. Does this happen? Or are they just being nice? What’s the probability that they’ll match me to another role?

Do persistent systems provide home desktop setup bonuses??

Hi - I’ve moved to Toronto (from Asia) with 5 YOE in Corporate banking + 2 YOE IB/capital markets (7 YOE in TOTAL) working roles in Front Office and financial analysis.

Believe I’d be a great fit as an Associate in the same space at the major banks (RBC, TD, Scotia, CIBC etc) or in PE/ Asset management.

Could someone help by mentioning the salary ranges I can expect?

Also any tips on networking would be appreciated. Thank you!

How do i buy floki inu?

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?

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

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...

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

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 folks,

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

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.

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 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.

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

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

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?

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.

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

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