Hi Fishes,

Anyone knows any CA who can help me in saving TAX by showing in donation or Other deduction.

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

What should I do with my cash in this environment? Have quite a bit sitting in savings which is obviously not ideal with inflation running high. Are ETFs still the play?

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

I’m new to this crypto stuff. I’ve been using Coinbase and GDAX in the past few weeks. Where chanI buy XRP or OMG? Any transfer option from GDAX?

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Hi! Anyone attend law school part-time while working full time? If so, would you be willing to share the total debt you graduated with? I only ask because I have not been able to find any info related to this online (only stats on full-time students).

I will be submitting applications to schools in one month, but really want to gain a better understanding of finances during and after graduating from law school.

Who is trying to open a Binance account??? Are you trying to sell an ico you have or buy exposure to an ico?? All please respond

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

Investment advice for a junior associate (with minimal research or effort). Young with minimal expenses, so open to any and all suggestions.

Currently make 90k and save about 500 per month after 401k, HSA, mortgage, all expenses etc per month. Where can I go to Cali to save the same amount and how much do I need to make to do so?

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Has anyone successfully claimed that income from a NY big law firm is not NY income based on TSB-M-06(5)I (May 15, 2006)? I think that my situation meets all the factors necessary. I am going to claim that the income should be sourced from Texas—I worked out of the Houston office from time to time while there. I was in Texas for more than half the year.

Best apartment complexes in Capitol Hill for studio apartment that won’t completely break the bank?

currently tossing up between staying at a global company (who is in the process of some positive changes) with an amazing manager who supports my career and flexible working … however comes with the inherit issues that come with a long standing global company

compared with a role at a smaller mga, higher salary (around 30%) more , more visibility career wise and some great employee benefits , management seem to be supportive and low staff turnover

which would you choose here

I’m new to this crypto stuff. I’ve been using Coinbase and GDAX in the past few weeks. Where chanI buy XRP or OMG? Any transfer option from GDAX?

How is Cisco 5G development project ,Is it worth considering or rather go to security in F5 networks

Hi Fishes,

I am a software specialist having 8+ yoe, currently working at Mastek with a CTC of 17lpa. Can anyone help me with the current market CTC considering the below:
Current Role: Tech Lead
Tech Stack: Full Stack in Java, Springboot, Angular, Mobility, AWS beginner.
Your responses will be much appreciated.

Is there anyway to reduce notice period?

Per offer letter 60 days is mentioned as NP, can I get this reduced to a week?

I’ve got 8 years experience, work at a small, hot creative agency in NYC and will be promoted to CD soon. I’m not irreplaceable since no one truly is, but I’m a high value employee responsible for a good proportion of the agency’s marquee creative work and some important new business wins. I’m at $165k now, what should I ask for with my promotion?

Switching team internally competing with external candidates. was asking a promotion for next grade midpoint but was ok to accept >=50% hike which i told hiring manager before the process start itself which he said will consider if I'm the one selected.

Attended 5 rounds-- 1 coding, 2 technical, 1 managerial, 1 hr. Now after 2 months telling me I'm the selected one, but offering me just 20% hike and same grade

Any chance for negotiations? Any tips or guidance are appreciated. please help

Hello! Looking to make a switch into banking from insurance. What is equivalent to Senior Financial Analyst in banking - Manager/senior manager? Also, where does Associate director align in the banking org hierarchy?

Thanks!

Hey guys, Does VMware giving WFH or hybrid option?

I bought touch up paint and covered at least 20 spots in my house without knowing that I needed to paint the whole wall to cover the spots 😩 anything that I can do instead of painting the whole damn wall?

How many of you have left or are planning to leave therapy, and what did you transition into?

Hi Fishes, Wish you a great day ahead 😊🤗.

Work sucks and I just wanna cuddle 🥺

Hi fishes,

I joined on 28th November and was told that the payroll team will contact me before 15th for payroll setup.

I have opened a new salary account with icici for gds but still have not been contacted by payroll team.

Will I get salary this month or will it be carried over to next month as my payroll is not setup and in orientation it was told that the cutoff date is 15th of every month.

This veteran just finished his last final (on the first day of finals week!). Commencement next Monday. Will take a few months off to hang with my family and start at PwC in the fall! Time for a beer

Want to start doing something more meaningful with my life, where do I start?

Hi,

Where to invest to reduce the taxable income of 8 lakhs after investing 1.5 lakhs under 80c and HRA 1 lakhs ? Medical insurance 50 k I’m aware of it and I don not plan on any house loan. Please suggest.

I have created NPS account through SBI YONO app. PRAN is generated and I received my contribution copy as well through mail.
But when I try to login using my PRAN number it says invalid.
Can anyone please help why it’s happening like this??

Please let me know how to claim (whats bills needs to be submitted) exemptions for Special Allowances.

Guys can anyone help me to get the best refund or filing for tax for 21 LPAfixed 26LPA CTC.
I know my in hand salary will be 1.3 by any chance can I make it more ??

I selected new tax regime in the company 'xyz' portal for April 2021-March 2022. I left this company in jan 2022 and tax of 16k got deducted from F&F settlement.

I have investment in EPF and submitted the rent receipts to the company for tax exception for HRA. But in F&F, based on new regime tax deducted.

During filing ITR for assessment year 2022-2023, can I file by selecting old regime and get this 16k return?

Could anyone please tell about NPS CCD(2) ? Is it paid by employer? What needs to be done in this?

How to bring tax liability to zero for 15 lpa ctc?
Can I claim hra for less than one lakh per FY and Maximum housing loan benefits?

The rental place and property under loan are in same city.. Parents stay in rental ( I pay rent) and I have purchased new flat in same city for myself.

I have gains from stocks.. as LTCG. Do I need to file ITR 1 or ITR 2?

Hi team ,

I have started working from jul2019 and I have filed my tax return for 2020 and 2021 tax years.


However I note that there was withholding of some amount in 2017-2018 and 2019 tax years ( withholding from comission received from insurance commission from lic and United india)

I have not filed 2017, 2018, 2019 return as my total income was less than threshold

Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

Hi Guys,
Need your advice. I have forgot to enter challan details while filing tax and then e-verified then it return with pay later option, though i had paid the income tax first first hand via pay now option.

Will i get outstanding demand plus need to pay penalty for late payment in this case?
Also when will i receive the outstanding payment notice if it happens?

Hi All,

I want to know if it's a good idea to foreclose a home loan, I have like 14 lakhs for 11 years... Initially it was 28 lakhs for 30 years, I brought it to this amount in 2 years. Unable to weight the pros and cons. Is it good to foreclose or leave the loan to go on and start investing the money

Hi,

I just want to know a fact , upto which ctc can be adjusted to minimal tax deduction under new slab?
Like 15lpa ,20lpa

Anyone here working in M&A tax? need a referral.

I'm a recently qualified CA (first attempt)

I am working from EU since last year (internal transfer from India), also doing freelancing for an another startup since last 2 years and the payment is going to Indian account.
My employer assigned a tax consulting company in India to support me in filing tax, somehow the tax consulting firm found that bank account via AIS document (not sure how they get it in that doc), as they found some interest credited for that saving account. Will I be in trouble? will I have to pay penalty :(?

Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?

Anyone opted for NPS Employer contribution, is it good for tax saving? Is there any maximum limit to it? Does employer really pay it or deduct it from our CTC only?
Please help.

My CTC will be
Basic 13LPA
FB 7 LPA
Total fix pay - 20 LPA

80c - 1.5 LPA
HRA 3 LPA

Any one please help mi on which tax method will be sutable for me old or new?

How much tax will be deducted on 18lpa fixed salary (1746800 in hand after epf deduction)? Even after investing 1.5 lacs in 80c.