Hi fishes, I need some financial help
Im 28y with 5yoe I earn 1.3 lakh pm
I have to take care of my family mom dad 2 sisters and wife and im having a baby
My expenses are below
1. 26.5k emi pm to personal loan for 4 years
2. 15k I send it to my parents
3. 16k rent I pay in Bangalore for my stay
4. 15k as my expenses in Bangalore
5. 40k pm in gold scheme for sister marriage
6. 5k as ppf
7. 5k as nps
8. 3k as my personal expenses
Im left hardly with 5k to 7k monthly
need some financialguidance

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

I know everyone will have different answers for this but how did you know it was time to get sober? I think it might be time for me to find a new job and pursue sobriety, but I don't feel like I'm a rock bottom which is the only time I've ever seen people really commit to it (my father). Apathy isn't the right word but I just kind of feel numb about everything and I think being sober would maybe help.

I have an expiring British Airways credit I need to use in January or February. Options are Lisbon, Paris, Rome and Athens. Anyone have thoughts on any of those in the winter/off season?

I'm coming from the US - my flight credit is use-it-or-lose-it so I'm trying not to spend much more than the original credit.

What’s the most you would feel comfortable spending on rent in BH/WeHo for a 1bed at $250k TC and no debt?

Hello people.
Can you guide me about what is the industry standard for an analyst role in a Mid-Level Indian VC firm which has made investments of about 3-5 crores in each of its portfolio companies? Couldn’t find much over the net for the indian scenario. I need it for negotiations.

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

Personal finance book recommendations?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

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So if I were to rent a car from Trips, can my wife (not in Deloitte) drive that car as well? Is she also covered in the insurance? Does anyone know?

How many of you are doing back up care/day care/ child care vs managing children at home? What's your thoughts around this, pros and cons?

Thoughts on Overstock OSTK since the holiday is around the corner at the current share price ~67?

5 years post-MBA and all my classmates are VPs in industry or Principals in consulting/IB (some are even Partners/MDs already). I sat in the same classes with these folks for 2 years — probably outperformed some of them academically. Yet, here I am continuing to struggle with my student debt payments, hoping that “Uncle Joe” forgives 20% of it. I’ll never have that kind of earning potential because I didn’t come from the “right background” pre-MBA.

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

I don’t see too many Marketing Manager specific requests here so thought I’d take a crack. Any advice or interview prep insight for marketing roles. Specifically for Amazon Music. I made it to the first chat with a HM. Any guidance on possible questions would be awesome.

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Has anyone got the PDF version of the PMBOK - sixth edition and would be willing to send it to me?

Best experience at a gay bar?

A toxic co-worker tried to throw me under the bus to cover their mistake in a call with leadership 😢😢. I showed the proof of conversation the next moment without hesitation to everyone. Suddenly their tone changes and tries to divert the topic 😒😒. I am distraught 🙁🙁

Why do people try to take credit for regular phrases?
Someone just said “I call it fluff”
Oh really, YOU call it that.
Why do people pull the “I call it …” card?!

I don’t know if coming out is something I should do or not anymore. My girlfriend and I want to get married in the next couple of years but thats not something I want to keep secret. It hurts me that I feel like I have to do that, but I don’t want to risk losing my job. I know they can’t fire me for being in a wlw relationship but they don’t have to give a reason. I don’t want the backlash of the community either since the area I teach in is really rural. Just sad I guess.

Hi all, I am looking for a job role in sales/business development manager for Gujarat, India location. Please let me know if any...

I don’t understand how people keep posting about the bench and being unassigned. I’m in advisory(not audit) and my entire LoS is trending 90%+ utilization

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

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Parents always wanted me to become a doctor, so did I. However, did not do very well around blood. :))

Thank you!

Is everyone from a big city or do we have some south and midwest represented??

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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 ?

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

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.

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 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

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

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.

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

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

Hi Experts,

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

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 Sharks,

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