Hi All, need an advise,

Can i fill the ITR in new tax regime if i have select old regime in my company during taxes. Thanks

Analysts seem to like TJX but looking at the long term debt/equity I can’t get comfortable. What am I missing?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

How much do you normally on average net when you sell a home? Looking to upgrade due to second kid on the way and I’m curious how much goes to fees, brokers, agents, etc. My current home is worth 325k per Zillow and my mortgage balance is 165k, so about 160k of equity. So if I sold it for what it’s worth at 325k, how much could I expect to net for my next home’s down payment? I see different answers online so anyone with experience would be great. Thanks.

Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

Did anyone apply for amex card as an employee, recently, after the acquisiions started ?

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Which luxe car do you own/ lease? I’m gravitating towards leasing a Mercedes.

Can someone throw some light on how wallet balance works in Zoho Zoho Corp . Couldn't reach any HR for the info?

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

For those of you who made your first million in net worth, what did you do next?

Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

How many leaves are there in PwC AC. Do you guys have winter disconnect?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Is anyone else crashing hard today? It’s almost 5pm and I haven’t left my bedroom. My kids are fending for themselves and a little confused about why I haven’t come out. Is it depression or am I just burned out? I switched to middle school after the 4th week of school. Some of my students are so disrespectful and even cruel. Do I need to quit my job or do I just need some r and r?

What’s up y’all. Motivated and performing Corporate BDR here that got let go of HubSpot after a year due to a tough family situation and rough economy hitting my MRR number despite being at my meetings. I’m looking for my next role with a base above $55-60k. Would truly appreciate any referrals you may have to Help me out!

Hi all. I need u r help in deciding the offer 1 )citiustech 18 lpa 2 )guardian life 17.5
Tech stack :Java microservices YOE 3.2.

Just got the tentative government offer_ does anyone have tips on negotiating steps when hired? I understand GS level is not negotiable.

I’ve worked as an appellate prosecutor for state government for almost 3 years, but I’m now looking to transition into a federal government agency. I have the research, writing, and even oral argument experience, but are there any other skills or topics I should highlight to be considered by an agency like the FTC or SEC?

Anyone have insight how long it will take after a panel interview to get word on whether the position is going to be offered or not? Recommendations on follow ups with HR to find out status?

What is a look back analysis?

EY leave department hasn’t been the most helpful with the exact details around maternity leave - so just wondering for any EY mamas - how do we initiate getting the two weeks before due date off? Just a doctors note or ??? Thank you!!

Anyone have CPA recommendation in ATL - specifically need help handling RSUs for pre IPO company.

While most teachers are protected by teacher unions, I feel my voice hasn’t been heard at all with my concerns of going back to school next week. Our diocese has decided on full return 5 days/ week for all 42 schools despite a recent increase in COVID in our communities. Every other school that I know of in my state is either choosing remote learning to start the year or a hybrid approach, yet that was not an option for us. Are other Catholic schools I. The same boat? Stay safe!

how many days does it generally takes for a company to come back with a revised offer ? I had an offer letter received on thursday 21st and i asked for a 10% increase which the Hr agreed and said will be giving the updated letter in a week.

I have got one good opportunity.
They need me in one month where as current employer asking minimum two months.

What will be the way so I can tackle with them.??

Any openings for freshers for BCA in CTS.. is Genc is still in progress?

Hello Sharks,

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

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 ?

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

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

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...

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

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?

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

Best app to track expenses?

Hi Experts,

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

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.

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

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)

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.

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 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.