Hi, my name is Shefali Garg and I am a registered Mutual fund advisor. Pls drop a message on 9414838166 if you need assistance with regards to personal financial planning, retirement planning, wealth creation, mutual fund investment, SIPs etc..

Personal finance book recommendations?

Anyone do contract work? Experience with wealth counsel is a plus! Thanks!

How much money do you make and have in your checking and savings? // how many years have you been working post college...

Do we have tax calculator in tcs

What other avenues are you using to increase income?

Who does your taxes? Need a recommend. Thanks.

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Best way to use and points?

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Anyone here had success in purchasing a book? If so, would love to hear about transaction and how it went.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Best everyday bank account and credit card in Australia for an expat couple?

I‘m moving to Australia with my partner and we don’t have a bank account and credit cards yet. We basically need the bank account only for everyday finance stuff (local payments, debit card, etc) and we‘re looking for some credit cards with good international fees and ideally a reward program to collect some points for traveling.

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

When there is FUD you buy

What is the *prime* amount of money to bring you happiness?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

How to change bank account to receive salry I currently have HDFC want to change it AXIS

Hello Team,

Please let me know how to remove CID from Accenture portal. I appiled in Accenture through a referral but now status is showing as " we don't have suitable position". Thanks

Cannot wait for my next vacation!

Does Deloitte and PWC has a dedicated app sec pen-test team? What percent of the time do you travel? Do you guys work from home or need relocation to any place in US?

I went for 3 interviews with a company met with vp and was given package thinking I aced interview there was another candidate 😞 the other person for the job. The VP calls me to tell me I didn’t get position however he wants me to re apply in new year that something else will be open, and that he wanted to keep a copy of my resume what does this mean ? Should I apply again in new year or don’t bother ?

How should I pivot to Wealth Management as a Credit Analyst for a commercial bank? I’ve worked as a credit analyst for about a year after graduating in finance last year. I also interned at a wealth management firm while in college. Any advice is appreciated!

I have my final round interviews with Amazon next week! I’m going for the Campaign and Creative Manager role - any tips/advice? How did you manage 4, one hour long interviews? What to expect from a TC standpoint? I am based in NYC.

Any book recommendations on handling office politics?

How is the Sheraton in Hong Kong?

How to get into private equity from consulting? They do not seem to have many open positions.

How hard is the AWS Cloud Practitioner Certification? What study sources have you used and how long did it take?

How much have you heard of Account Managers making at companies in the tech space? I'm thinking about leaving my market research company.

Anyone have any insight into Davita? Specifically the FA role? Whats it like long term, turnover rate, do you make your own hours, salary range etc? Anything would be helpful 😊

I have recently given interview at Microsoft.
HR provided the feedback as I am not rejected bit not fit for the role so they have put me in talent plus pool. What should I expect next and does this mean that I may get the offer ?

Does PWC give free Udemy access?

Hi Fishes,
My total experience is 5 in QA, I attended Deloitte interview. First round was technical and it went quite well, they asked lot of theory questions. I answered few and quite I was not sure of answers. She gave feedback like my communication and confidence level is good and project wise I'm having good knowledge and coming to concept wise it's not upto the mark for experience. So my query is will they call me for next round?I really wanna get selected since Deloitte is mydream company

I have been selected at citi but HR is unable to release offer letter. This is because I have worked for citi as contractor or consultant in past but I don't remember my SP ID or GP ID which Citi provides to its temporary employees. HR is checking my SP ID or GP ID which was allocated to me in the past but I don't recall it is. HR is checking this with US team and this process is taking time. If they cannot extract it due to some reason, will they release my offer letter? Please clarify this.

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?

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

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

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

Hi Experts,

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

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

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)

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?

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.

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

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

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

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 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?