Hi folks,

I am 32 M, unmarried and I have been investing for 4 years now. I have been strictly investing 50k every month altogether in MF, NPS, PO. I have a running health and term insurances of 2 crore each.

My question is that with the same investment routine, can one actually plan to retire early , say before 45. Am I going in the right direction?

Any suggestions or guidance from someone who has achieved their financial goals while working 9-7 would really help a lot of us .

Looking for a soundboard.
Expecting parent, 35yo, NW of $1.2M with investment property in my hometown in Europe near family & friends (mortgage is less than $1k). Current expenses in Bay Area is 5K a month, probably more once baby comes.
Thinking of leaving Bay Area in 2 years and semi-retire for a few years in Europe, focusing on parenting and freelancing.
Any thoughts on this plan? Anything I should be aware of?
Thanks!

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Which bank account is better for salary account?

HDFC
Axis

What are the best ways of tax exemption

Why do people accrue prepaid expenses?

why rent over buy; seems like “throwing money” away?

What kind of gifts are given at fidelity investments during year end?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

FIRE - What is your total net worth so far? What's your profile?

Has anyone been looking for/bought a house in the last couple years?

What kind of down payment / interest rate did you find?

Anyone from tax can help me on some tax related queries.

Q1-Can I claim LTA and LTA cash voucher both for the current Block?
Q2- In LTA cash voucher scheme i have a total expenditure of only 50K approx so how much can i get as saving for Tax?
Q3 How the above 2 can be claimed during ITR filing?

I have more Questions but if we get replies on these we can discuss further.
This can help everyone

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
7ARM - 4.25% interest rate
30 fixed - 4.75 % interest rate

Banker is recommending 7ARM but wanted to get general opinion as well.

Thoughts?

These paychecks aren't cutting it. Side hustle ideas?

What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

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?

Hi all, I’m confused with the NTS and test deadlines. I asked for my first NTS on 4/5/2021 and got it until 6/14/2021. Do I have 18 months to pass exams since April or June ? Thanks

Hi fishes,
Does anyone know how is SAP Fioneer as a company?
I mean, has anyone heard anything negative about it? Because in my research it looked good only, but just wanted to know if anyone has any contradictory opinions.
Thanks

Does anyone know of any nonprofits that I can volunteer with? Trying to get more involved with the community as much as I can.

Hi All, I heard from someone that wipro is stopping recruting ex-wiproites like tcs? Is that true?

What do you think are the new things to learn in data engineering in Azure platform

Hi people,Does anyone have given visa hackerrank interview recently? May I know the kind of questions being asked and their level?

Hi folks. Just collecting some info.
Please drop ur ctc if u r 6or7yoe as data engineer. How much u r getting and if u switching how much u r expecting. This will help the upcoming data engineer to negotiate better.

Guys pls reply…
How is Impetus Leaplogic project for a data engineer ? In terms of technology used and WLB?

Can someone refer me to CITI ?

Hello everyone. I am currently a HRIS call center rep. I assist clients with payroll, benefits, and platform questions daily. I am looking to move into a position more back office or even customer experience with less constant phone calls. I have over 10 years customer service experience. I also have history in the banking industry. I am about to start a bootcamp to become a Data Analyst but looking for a new role ASAP. Please let me know if you can help.

Best PR firms for digital agency?

Hi,

Can we use 10(10AA) leave encashment as tax exemption if we separated from the Job?

Note: corresponding tax paid challan info available in form 16

Thanks

Question for males only:

Have you ever got your testosterone level tested? Have you had testosterone replacement therapy? Experience ?

Has anyone tried going carnivore? I'm at Keto Con this weekend and there's a lot of buzz about it.

Guys, Anyone know the diff between S&P global, S&P global market intelligence and S&P global capital IQ.

Also, please tell me how it makes difference to a employee (developer)

I have cleared 2 technical interviews with S&P Global for the Java Developer job position. With good feedback.
As the interview went well.

I have attended a managerial interview which was scheduled for 30 minutes. It also went well. I answered 90 to 95% of the questions.

How much time they will take to give the feedback as we have a long weekend now

Thanks

Does IHS or S&P Global HR revise up the offer, if we go back to them with a counter offer?

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

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...

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?

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.

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.

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.

Is there a way to Pay rent via Credit Card without paying the convenience fee?

How t save tax for 9 lpa salary. Can anybody help me out.

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)

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.

Hi folks,

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

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.

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?

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

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

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