Hi advisor,

Need some help here.
Me and my partner together earn around 5lac/months. What should we keep ideal budget for rent. Right now we are living in small apartment rent is around 30k.

Is it good choice to opt for house rent around 50k?

The only thing I truly care about is money and I’ve tried hard to not be this way but I can’t help it. My parents came from nothing and I refuse to ever “feel poor” again

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

What do you guys think about Investing in palantir which IPOs tomm?

Have about $15-20k to invest. Want to mix it up between short term and long term investments. Any ideas or opinions where should i put it?

What would you do if your bonus was less than $1,000 pre-tax?

What do you guys think about future of NFTs on smaller chains? Thinking primarily about Avax and SOL. Do you they think will blow as well when people understands there are alternatives to high gas fees on ETH? Or will everyone stay on ETH because there where the mainstream is?

Please suggest me best SIP to invest

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Hi all! Would any of you place a bet with a NFT you own, with the possibility of winning another NFT or walk away with nothing?

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Anyone seriously wanna start a hedgefund with me ? I can assure a 30% cagr with my quant

Just signed the offer for my exit. Getting a 30k+ signing bonus, and would like to hear thoughts as to some good ideas to invest this to maximize my potential.

Some ideas I had is putting some in a ROTH IRA and the rest in a high yield investment account or a VOO, as extra capital I can use to invest in real estate or start a business in the near future. Would love to hear what the bowl recommends.

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Super risky play: If you have day trades available, I suggest buying 250 3/20 calls at open and selling right around 11:30 when trump speaks. So far every time there is a conference we see a pump.

I am an experienced DevOps/Infra Engineer with 3.5 years of experience majorly worked on Azure Cloud. If anyone have suitable openings please let me know

You made it! It's Friday and the week is over. Anyone have fun plans for the weekend/halloween?

Best deal toy / tombstone ever?

What’s the best way to turn down a 2nd interview? During the 1st interview, I learned that the compensation for the role is not within the range that I am looking for and requires 400 more billable hours a year than what I bill now. I’d basically be laterally for my current salary just to bill 400 more hours. I also wasn’t aware that the local office was strictly ID. Firm website advertises lots of practice areas. Any advice? TIA!

What happens when someone sign an offer letter and decide not to join for some reason like joining a diff company?

Hi everyone, I am looking to join a team ! I have 4 years of recruiting experience within the healthcare and staffing industry. I would love a remote position or on-site positions within the DMV area. Please let me know if you know of or have any opportunities available. Thank you !

Come on guys we need to be more active in this bowl. What are your thoughts on The Sandbox NFT? Also any new projects or anything to look for?

Looking for an opportunity to work in the logistics/shipping industry as an executive in Singapore.

May I request for help . Currently a diploma holder and will upgrade myself with a part time supply chain degree, enrolling in January.

Many thanks.

What do you wish you knew before becoming a Pharmacist/Starting Pharmacy school? A new tech asked me this after I agreed to mentor her.

Im working on creating job descriptions from scratch. Is it illegal or not a good practice to take ideas from other job descriptions on the web? I won’t be using word for word of course - a paraphrase and adding our company touch. Any advice?

Should I invite fewer people to a destination wedding or will people just naturally decline?

A report opened to me that they are having money problems and wants a raise. We are remote and they moved to a high CoL city. We gave an increase to help with retention 6mths ago. In my response, I helped mentor with best practices on how to ask for a raise professionally since I need to make a case to my Head on finances. But their performance has been avg and not seemingly worthy of another large raise within a short period of time. But how do I respond when they talk about personal finances?

Hi Kolkata folks,

Anybody with virtual ID card, could you please tell me how to get one?

Cause the portal says "PDF sent" but didn't receive any such mails or can't even download from the website.


Thanks in advance!

Hi All,
Looking to automate a manual process for the client and thinking of creating macros for with VBA. Has anyone done anything similar?

In the process of learning but wanted to reach out for any tips, tricks and advice anyone may have.

Thanks I’m advance.

How is the data practice team at coforge. They told client is an insurance company.
Can anyone share more . about it.

I am a Project manager having 11 years of IT experience and currently looking for non tech PM opportunities. Can any kind hearted person please help me to get referrals in FAANG?

Hello guys, I need some likes for enabling DMs. If you pass through this message please drop a like. Thank you!

Heyy!! What kind of questions does Accenture ask for Application developer (frontend) YOE: 3years

Best tips for studying/prepping for case interviews? I am overwhelmed.

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

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

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)

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.

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.

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

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.

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.

Hi folks,

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

Hello Sharks,

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

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

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

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

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?

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?

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)

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?