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Buy 3-5 properties and have rental income leverage debt

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Start saving for retirement.

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See it depends on your lifestyle. What ur expenses are now and what your expenses are likely to be 20 years down the line. You can search in Google, there are many retirement calculators available.

Once you know how much you need after 20 years,etc say 2lakhs per month, then you need to figure out how much you need by then. Let's say you expecting 10% interest, then to get monthly 2lakhs you need like 2.4cr corpus. So to get 2.4CR, prepare a plan. It may include mutual funds/shares, gold,real estate,NPS,PF etc.

You need to do bit of research yourself. Else take advice from an adviser. Would avoid these retirement plans and ELSS etc.

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What do IT folks do after 45 years age ? If we retire by 45 also then we will need atleast 5cr to manage rest of our life.

Cheif I have not seen many people of that age in IT industry thats why mentioned 45. Or maybe IT started booming from 2000 onwards so 45+ people are rare now.

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Have a question to make sure this is not "tax evasion"

I made some money in crypto that I want to give to my family -- not withdrawing anything for myself, going to continue to hold.

If I withdraw some profits to give my fam , I'll obviously pay at my tax rate (which is high). Is it better and fine to just directly transfer the crypto to them and they can sell it ? (I know there's a 15k gift tax)

Would appreciate advice -- thanks!

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Apologies for the silly question but how long on average does it take for your BTC/ETC buy order to go thru?

Put my first orders in this morning on CBPro for both and they still haven’t processed.

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Is Omg is good buy at 25$ or is there a chance it will go down ? Few blogs and website review sound as good other coins ...rookie in this game ..please advise...? Looking for long term like 1 year investment

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any thoughts on using fundrise as an avenue to get into realestate investing?

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Robinhood is not an approved broker. Most of my crypto is in RH and Coinbase. What do we do in cases like this ? I am ok transferring the stocks but how about crypto ? Is E*trade an approved broker for stocks ?

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Can you roll an 403b Annuity into an inherited IRA? The beneficiary is a trust...

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Living in Van. Previously lived in Toronto. Obviously rent prices are high as is cost of living. Generally go out and spend more often living in a city. Boyfriend and I on good salary but not saving much due to the above. Before we move home to our own country, we’d love to spend a year close to Vancouver where rent is cheaper, temptation is less, to save. A commute to Vancouver 1-2 times a month needs to be possible (his job). That can be a flight if it’s not crazy. Thoughts? Recommendations?

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Hey all!
Me and my spouse are in our mid 30s and current HHI is $250K. I'm making 200K, my spouse is making 50K.
I'm new to FIRE concepts. We currently live in LCOL and have 24K/year debt.
Where should we start saving/investing? Both have awesome credit scores, but no significant savings due to coming from very poor countries/families and just last year we're able to change our lives.

I would appreciate any guidance/help on how to best prepare for our future.

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Anybody got a sibling who is obnoxiously cheap yet has a ton of money?

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Go big or go home. Mega funds only.

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When buying a $5k+ watch, do most people pay immediately (ie put it on their credit card), or do people typically do some type of installment/financing plan?

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What will be the impact of scraping the infrastructure bill? Will EV stocks plummet? Oil increase? Any other sectors now that tax rate might not be needed to be increased?

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If I’m in house after 3-4 years big law, am I just stuck at 200-300k for life? Is there any upward mobility?

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Anyone have a Chase Sapphire Preserved credit card referral code? I’m looking to apply.

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This is a good year to boost capital loss numbers. How many folks are specifically selling down funds for the sake of piling up capital losses?

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Hey guys,
I have finalized a home in vasanth nagar near office, however i won't be moving in as i might resign.
It's a one bhk room and very clean and the people are good(the owner's family lives there)
Let me know if interested.(Female)
Rent is 13k per month including water and extra rent for washing machine, electricity.

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Tax peeps, I'm a cyber guy. I left EY & I'm vested in the pension. Want to roll over my pension (not my 401k) into a Roth IRA. Any tax implications w/this? IDK how it's treated tax wise.

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I know a few of us like having a couple high dividend stocks that we sell calls against like T. I’ve just started a play like this on LUMN. Three reasons: 1) similar dividend to T but with a better (and improving!) balance sheet 2) growing free cash flow (but revenue is flat to down) 3) the technical set up has it breaking out of a multi-year decline. It’s also getting attention after the short squeeze play. Won’t be a screamer, but 10-12% income returns with the dividend plus CC could be nice.

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You have the following offers. Which do you choose?

1) $185,000 no 401k
2) $165,000 + annual 30% bonus based on company and individual performance (15% paid in stock options & 85% paid in cash) + 401k no match + $10,000 in stock options & $1500 at signing
3) $153,000 + $30,000 signing bonus + $16,000 annual performance bonus + 401k w/ 7.5% match
4) $100/hr 1099

For arguments sake healthcare benefits or lack thereof is immaterial.

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Anyone have any leads on openings in the Boston area. Just out of undergrad with a mechanical engineering degree and crushing student loans. From the area so greater Boston area works too.

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What are the upfront costs of buying a flat beyond deposit and stamp tax? Trying to figure out if I can afford to buy. I’m 37 and don’t want to be paying rent in retirement.

hello any accounting expert in SAP FI AA module here? can somebody tell me what is the difference between Net book value and current replacement value?

my end objective is to obtain a KPI which measures the current value of an asset in a manufacturing firm and this should include depreciation value.

from all over internet i see NBV is more suitable. but confused in a document mentioned as current replacement value.

Is it best to wait a bit on buying an apt in NYC area? Thinking of getting a 1 bedroom in LIC with the help of parents - not sure if it’s best to wait given market conditions?

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I hope there is some scam going on in the name of Fujitsu India consulting.
Last week I got selected and they collected documents after week they rejected saying high expectations. Earlier they accepted for same salary hike.

Same happened for my friend today. He also got selected and they collected all the acedemic , previous company documents salary slips and they rejected him saying same.

They could have told the same when they ask for salary expectations. I feel something fishy.
@fujitsu

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Those who joined in Nov, are they eligible for appraisal in Q4. What is the average appraisal hike given @fujitsu.

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Hi EY Agents,

Any idea how much time EY take to release an offer letter .
I have given L1 and L2 rounds for EY after that I haven't received a response.

If you have an idea about the possibility please let me know.


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Does an MBA do anything for you in Big 4

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Is it normal to be working during national training for your engagement? My teams calling me at 11 at night

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What questions or problems did people face as associates that they wish they’d gotten more help or coaching on? What information and knowledge would have been most useful to set you up for success as you started your new job? Whether personal or technical. Thank you!

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Has anyone tried Talkspace before? What's your opinion? What can I do to get the most out of it?

I connected with a "matching consultant" last week. It's been about three business days now, and I haven't heard anything back about getting set up with a therapist. I probably should've trialed them before committing $1.5K but c'est la vie I guess.

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How can I get diagnosed in the uk ? I hear there is a very long waiting list. Also I believe private medical does not usually cover it ? ( I have Aviva)

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I’m worried my portfolio has too much detail- I’m more of a design strategist/ UX research person so I want to show my process since I don’t have outputs to share. Any advice?

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Can I survive on £26,300/yr in Belfast?

Some have expressed interest in starting a meeting for this bowl, so I made a meeting ID on zoom. Before I schedule anything I wanted to pitch it to the group for thoughts on time and day and process

I also wanted to see if we could maybe use the group to create the meeting format. We have plenty of great writers in here, maybe some would like to take a stab at the script?

At the end of the day I want to help facilitate not dictate, so would y’all’s thoughts!!

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How does one start working out? I have always been a very thin person and used to play sports to remain active. but as I step into late 20s I feel the need to “work out” by hitting the gym and eating/drinking the right stuff (whey protein?). Complete noob here so let me know where or how I start. I have access to a building gym with basic things.

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Has anyone in audit wanted to know more about tax? Just enough to be able to have a conversation with clients (more than the basics) and feel somewhat confident in your answers. If so, how’d you go about learning more?

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Roasted Okra Poppers - This is an accidental recipe I came up with today. I wanted a savory snack but didn’t have chips or popcorn in the house. There was frozen okra in the fridge which my husband had mistaken for green beans. Okra is not my favorite vegetable because of its slimy texture but roasted it has a crispy texture and caramelized nutty flavor. Recipe success!

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Bill Clinton bragging about respecting the oral...I mean Oval Office was hysterical

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Saw one of our legal assistant’s at the bar yesterday and today he’s like “you look so different out of the office…. You look so happy!” Kid mind your business 😂🥸

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What job boards are most popular for developers? It’s not LinkedIn.

likesmart

Additional Posts in WITCH (Wipro/Infosys/Tata/Capgenini/HCL)

Any openings for Documentum Admin Role at pune location ?

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Hi All,

Is Cognizant not good for 2-3 years? I heard lots of are giving bad feedback about CTS.

What kind of Role and responsibilities they will provide on Tech lead?

Hi folks,
I am having 1 year of experience. I wanted to work in startups to get more exposure into different techs and learn. But less idea about startups out there.

Please tell me the names of few good startups that I can try for.

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Is it mandatory for a lateral to open new salary account in ICICI or Axis after joining Infosys?

Can't he/she continue using existing salary account from other banks?

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Hi All,
Need your suggestions, I have offer from these companies,
Please help me which one is the best:
YOE - (5.10 .net Profile)
1. HCL- 14LPA Noida
2. FIS -15LPA with 80K JB Gurgaon
3.ATKINS -17 LPA with 1 JB Gurgaon
4.TCS 13LPA with 1 JB Noida

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How much pwc gives as an annual variable / bonus in advisory line of service?

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I have offer of 12LPA from TCS and 15LPA from Capgemini which one should I join?

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Hello everyone. Is there any BA opportunity for 2 years experienced professional? I am looking forward to work as a BA. I am currently working with a service based company for a healthcare client. If anyone has any opportunity, kindly dm. Thanks

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Whats the package structure like for fidelity international ?? How much they are offering for 7YOE java microservice techstack ?? Do they also respect counter offer ??
I already have an offer of 26.5 lpa(24.5 fixed)

Fidelity International Citiustech Healthcare Technologies Accenture Fidelity international limited

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25 L per annum in india vs 16k polish currency per month in Poland. Which one is good to go?

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Hey Fishes Jst want a suggestion I have been offered by CITI, Brillio, Virtusa and CGI YOE : 4+ years Which company will be best if I am planning to have long time commitment Citicorp Citi Brillio Virtusa CGI

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Anyone here that came to Wipro from Accenture in USA? What are your thoughts? Any negatives?

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I have accepted the Letter of intent for Wipro. But now the link is disabled. Is it possible to view letter of intent again?

Wipro fishes kindly help.

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Is it possible to switch to aws devops with out experience in the domain and with higher package?

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My current CTC is 4.8 lpa. How much salary can i ask to HR as expected ctc in Cognizant. Can anyone help me??

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Do tcs change the offered ctc if we counter it with higher ctc offer?

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