Hi mates
Invested first time in elss this March.
Unlucky markets are falling now.
Returns now are - 10%.
Should I wait for time to pass. As it would recover over 3 years lock-in?

When picking up a J2, how much should you include about J1 on a background check?

Let's say I were to leave banking and get into crypto currencies (not considering this at all ahem). Does anyone of any crypto currency hedgefunds or trading platforms worth investigating?

I’m currently an LLC and looking to assemble an equity deal with an advisor. I don’t know how to set it up with him where he gets his equity in the future when we restructure the entity to a c/s Corp and give out his shares. It doesn’t make sense for us to switch now and get double taxed when we haven’t lifted off the ground. This is pre launch. Any advice?

Use savings to (partially) pay for business school or invest and fully cover via loans?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Anyone ever temporarily lower 401K contribution to increase bonus cash payout?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

How do you guys feel about US people earning so much more…?

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Anyone know if Deloitte allows for a mega back door Roth? How would I confirm/ do this?

Hey all! Curious your thoughts. All else equal, roughly how much does the average couple spend in retirement per year? Trying to figure out how much cash we’d need saved assuming we retire at 60. Thanks!!

I’m graduating in a year. Will be working as a consultant in Chicago. Want to begin real estate investing. Thinking of house hacking. what’s the best way to start REI after graduating?

Considering getting my license and starting off as a real estate agent. I've always loved real estate, house flipping, interior design. What can I expect as income and time commitment as a brand new agent with no book of business? How hard is it to get established and become well known in my area? I'm in the Bay Area. Anything else I should know before I quit my job and persue this dream?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Is this whisper?

I delete all the words before the one word or letter I want to correct. 🤦‍♂️

According to an article in LinkedIn new job postings are down for the first time in 9 months but still there over 10 million open jobs with only 5.9 million unemployed workers. Why is it that here I am unemployed over 4 months and still not one offer. Anyone got some positive vibes to send my way it would be appreciated! I’ve been in sales for over 20 years, b2c, b2b and account management as well as sales management. I’ve got great skills and enthusiasm to give to a great employer!

Do people actually spend all or almost all of their $25 meal allowance if they work late? Just curious since a couple of other staff seem to be very careful about spending too much.

Looking for a Deloitte recruiter (or referral for bonus) in the Memphis area. Currently work for another Big 4 but am moving soon to that area. Only have two years experience. Thanks.

How long does it take to get promoted in virtusa? And how much increment one should expect?

Is MBB hiring right now ?

SOS I’m a first year teacher. I’m at a VERY challenging school district & a different culture than I’ve ever been around before. I cant get through a full day’s lesson! I spend more time disciplining!

How much do senior UX designers make nyc?

Hello, folks! I wonder if you have any advice/info for a person who is looking for an "investment associate" role in Dubai. I have a financial audit background (4 years Big-4), 1,5 year in deal advisory (half year financial due diligence department, 1 year valuation department). I have experience in TMT, retail, Energy and Utility and other industries. Currently I'm living in Eastern Europe.
What is considered to be normal in relation to WBL, compensations in Dubai for such role or similar?

Lately been wondering if my meds are even working anymore… had to skip today’s dose (long story not worth telling) and, yeah, can now confirm my meds are working.

In KPMG india salary structure in performance bonus what do you mean by annual target earning and annual maximum potential earning?? How much is the average percentage I can expect ??

ADVICE NEEDED: Any GSAPers secure funding from the firm when you’re also going up for promo? I’m afraid that leadership won’t want to promote me to M (right around the corner for me) if they know I’m on the way out to school. Thoughts? Am I overthinking this?

Hi All

Looking for recommendations for the SHRM-SCP exam; going the self study route…thanks

I’m 51 and a consultant. Am I too old to be this level. Starting to feel like it.

What do I do if my manager is ultra super micromanaging, she just called me out on an extra space in an entry in an analytical graph I created😱 not a big deal to me but she said it was unacceptable. Like idk what to do, I need the job and I’m still missing a long time to make the pivot to another company😩

Is anyone aware if we are eligible for pension component?? I know D does have for Core Consulting model.

What’s an appropriate salary/range for an Account Director in Toronto? It’s a small agency, so I know that will skew things a bit on the lower side. Initial research on LinkedIn & Glassdoor says $93-$95k average. Personally have 8 years’ experience.

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 guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

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

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...

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !

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.

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)

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 Experts,

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

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?

Hi folks,

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

Recently I underwent surgery ,do we have option to show unreimbursed amount which is not covered under insurance for tax exemption

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?

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.

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

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)