Hi guys, Please tell me how am I doing?
Age 30, Male , Married. No kids. Lives in Bangalore. Recently switched. Earns 1.85 L per month now. Expenses -90k per month.

Total -32L
MF -3.5 L , SIP- 30k
Stock- 5.1 L
Emergency - 4.5 L
Gold - 9L
PPF -3L
PF -7.1L
Vehicle -1 scooty
Have land valued at more than 1cr in hometown.
No loans.
Goal is to own a flat in Bangalore and Retirement plan. Before that always wanted to own a car. Kindly suggest what changes should I do?

Does anyone know of any credit cards (including private label) that offer Spanish applications and/or servicing?

Hi fishes

I am planning to start investing in a smallcase. I am considering paid managers. Any suggestions on manger and smallcase will be really helpful

Who all is looking to buy a house and in what area?

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

Marriott or SPG credit card (for the sign on bonus)?

Thoughts on the new Chase Freedom Flex?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Best Alt Coins to buy?

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Does it take 3 quarters of the year to reach 3% (tier 3) interest rate at HMBradley? If so, does it make sense to deposit a large chunk of fund until I reach tier 3?

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Is anyone else pissed that our hard earned money wasn’t lost today, it was STOLEN by CORRUPT GREEDY HEDGE FUNDS

Anyways, not giving them the satisfaction. Gonna keep holding. Actually just bought the dips today for AMC BB NOK. Will keep holding for years if I have to because stocks eventually go UP📈📈📈 and ain’t no paper handed simp.

That is all
Obligatory🚀🚀🚀

Newbie Tax filing question, worked for a US employer Jan - July in NJ and then moved and worked for a Canadian employer Sept - Dec. Work permit holder in both countries at the time. What's the best way to file taxes in both countries? Has anyone done this before? Looking for guidance, gotchas, tax filing recommendations...

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Imagine supporting this stuff––family separation, demolished environmental regulations, “very fine people,” and the rest––to get tax cuts... and thinking your grandkids will see you as the good guys.

Feeling over my head money wise. Moved to a HCOL area and bought a townhome since rent was so high as well. Mortgage is $4k including taxes. I make $200k a month. Did I make a mistake?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Hi folks,
Can you please advise me which one to choose between JLR (36.6, includes 5 variable), T Systems (32, all fixed), Deloitte(32, includes 2.8 variable) and Altimetrik (36, all fixed).
YOE - 8.2
Tech Stack - Python, Angular, Java, NodeJS

Do PE funds have in house tech DD teams? Currently on a tech dd team that’s aligned to PE transactions and trying to figure out what exit opportunities there are. Thanks for your insights!

Can you dice/chop onions and not tear up? If so, how many till you tear up?

Could use some help designing a commission scheme, what would you sharks do in my situation??? I’d like to do some sort of group scheme, not an individual contributor scheme.

Situation:
just replaced a 35yr lifer and now boss tells me to create a business plan and comp scheme. Now there’s me and my trainee who’s rather green. It would be my responsibility to train him up. With 2 effective sales people last year we did ~7M @ 50% margin avg contract value of $25k (record setting year).

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Hi,

Is anyone has completed BGC filling in DXC onboarding under iBridge portal?

Need help!

Anyone have feedback on in house attorney positions with Mercury Insurance?

What did y’all actually want to be when you grew up?

Imagine supporting this stuff––family separation, demolished environmental regulations, “very fine people,” and the rest––to get tax cuts... and thinking your grandkids will see you as the good guys.

Feeling over my head money wise. Moved to a HCOL area and bought a townhome since rent was so high as well. Mortgage is $4k including taxes. I make $200k a month. Did I make a mistake?

What's your absolute favorite dinner spot in Chi-town? I'm willing to travel, but I'm moving soon so want to hit all of the greats I haven't been to or didn't know about.

I had walked into a best collateral store and sold a few unused electronic items. I had to give my drivers license and finger prints. Now, I feel very vulnerable that I had to share a lot of personal information. Does anyone see any risks disposing old items in this manner and sharing their personal info? It would be good if anyone can share their own experience. It would help alleviate my anxiety.

Average salary for a Senior Associate who’s in the process of getting their CFP?

Just got offered a job at a small biotech in London (UK). ~£45k plus bonus but only 1YR FTC and no equity.

Pretty sure it's a discovery role too.

I just finished my PhD at a very good uni with 3 years technician experience before that. BSc and MSc also at very good unis with good grades.

I think this offer is well below par, but curious to hear what you guys think/if you have any comparisons?

Thanks in advance :)

Best app to track expenses?

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.

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 ?

Can any one tell me, how to invest in quant mutual fund through it's website?

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?

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?

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.

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?