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 What would happen to existing PF accounts if not withdrawn , will it earn interest?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?

In your opinion, what’s the best hedge / best buy against rising interest rates?

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.

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

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

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Best long term investment strategy against inflation to get to a large nest in for retirement?

What do you guyz think of Bitcoin Cash (BCH) ?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Does anyone here work for ADP. I have an interview with them in a couple days for a SDR role. What are some good questions to ask during an interview

Looking to bring on a experiential marketing specialist (FT) with 5 years of experience - any idea of the average salary range for such position these days?

My HR SPOC at Big 4 ( based out of Singapore) told me salary approval for me is done and he is taking headcount approval. Is there any chance head count approval can get rejected? And how much time from here till the final offer letter? Thanks!!

For those that are familiar with the Big 4 AAS practice, which one has the largest market in NYC/Boston? I was extend a couple of offers and am having trouble deciding which one to take. TIA.

Hi! Does anyone have any Christmas gift ideas for a 30 year old female (currently pregnant)? She loves almost all designer brands, but I’m hoping to keep it under $500... (sister-in-law).

Hi Sharks,
Please give some like, need it for DM.

What do you do over your schools winter break? How long is it? I have almost 2 full weeks and I'm debating between doing a ton of prep or actually trying to relax. 2nd year teacher and last year was mostly virtual so I had more "free" time to get stuff together.

What are the side hustles/gigs you are doing? Were you able to get a job into your side hustle without any experience?

Hey all,
I’m a ISB YLP admit, currently open to working with prospective applicants for essay reviews and interviews.
Let’s all keep connected and help the best of us unlock our potential at ISB!

Is BRK-B a buy right now?

What is the salary of a associate product manager at Gartner India

PwC Bangalore hasn’t provided the hike o promotion letter yet. Is there a way to see the performance bonus and the hike??

Hi Guys,

Can I get some refferal for Cloud Automation fields : VCenter, Powershell, Azure...
Application Development : .net , C#, javascript, html, css...

Currently I am on notice period. With total experience of 3 years 10 months.

Also please give some idea of what CTC should I expect....

Hi all! I work in digital marketing / organic social. For those in organic social what platform do you use for scheduling posts, analytics, UGC, managing influencers etc? We currently use bizzare voice/curalate. I work for a national retail brand so we are posting 2x a day with tons of UGC and in house content. Your thoughts and opinion are appreciated with all platforms! :)

Morning! Being laid off sux, I been down this road 5x in my career it never bets easier.

Dust off contacts and make your rounds
* if you’re in a good position to take time off do some, seems we all need a mental break anyway

How close do you live to the office? What are the pros and cons that you have experienced living far/close?

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.

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.

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

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.

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 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.

Best app to track expenses?

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

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.

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 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

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

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 ?

Hello Sharks,

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

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