How many of you are involved in share trading/Derivatives Trading apart from your current job? And how are you managing it? What return are you generating?

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

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!!

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

Bought some litecoins on Coinbase - how long does it take for transaction to go through and owning the coins?

Crypto, any idea about Shiba Inu?

Pretty new to investing. Can someone please explain what a SPAC is? And the difference b/w a SPAC and a VC?

NJ Personal Income tax question:
My wife and I file a joint return. We were part time residents in 2020z unfortunately, we both filed our joint tax return. My wife sent via paper and I sent electronically. Any idea what happens now? Can't get ahold of anyone.
To make matters worse - NJ doesn't have a paper part time resident return - so you file a resident and non resident separately. Ours net to a refund but the resident one shows a large amount due and the non resident shows a large cont...

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

Can my vacation home be 45 minutes away if it’s at the beach? Or does that look suspicious? I want to get in for 10% down and lower rate than an investment home

Can one become financially stable after being discharged from the military?

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

If I got 1/10000th of a bitcoin every time some dude on an app asks me if I like being an accountant... I'd be rolling in mad dough

Been trying an abundance mindset. It's put me in debt.

Tether is a giant fraud. How do I short it?

What are some good east coast cities to buy an investment property in? For those of you who have done this before, what's better for a first time buyer/investor - commercial or residential?

Based in NYC but looking to buy outside the city. Something that's 400-500k and has good rental potential. Thank you.

What are ways I can spend my $200 airline credit for the Amex platinum ? I saw upgrades don’t count and I have status so already get free baggage, lounge etc.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

Bit loafers with a suit? Yay or nay

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Hey Peps,

Looking for an opportunity for Line Producer or Senior Production cordinator in a firm where I am respected and work life balance is promoted no slave working.

Year end conversations are coming up. Anyone have theirs scheduled or held?

How supportive are your companies when it comes to taking PTO for mental health days?

How is cyber risk consulting team in PWC india based out of Gurgaon? Is the team working from home ? Changing from Deloitte India to PWC india

Working as Consultant at Cognizant Business Consulting now, I am being offered a role of Senior Business Analyst as a contractor for 1yr, initially for 6 months in Deloitte india. I am a bit skeptical with this Contractor thing. Can someone guide me please? They say I don't have prior Big 4 consulting experience and hence this role.

Do you guys mind commenting on the work culture in amazon. Non tech related. micromanagement?

What's the difference between SaT and Consulting?
What exactly is the difference in their work?

Can anyone provide me with insight as to what a comfortable salary would be in Austin, TX? Looking to move and Austin has become a possibility.

Hey fishes,

Help me to choose out of the below .
1) U.S Onsite from current company with 74k
2) Offer from EY, TCS with 13lpa package

YoE : 4.5
Tech stack : Data science, Python (1yr)
Current CTC: 5.5 lpa

Europe!
What is reasonable salary growth coefficient when going from FTE to consultant?
My current reasoning is 2x as
* We get 100% parental leave for 6 months in current company
* Risk mitigation

I have never been a consultant before, what other factors should one consider?

How long does IBM HR take to get back after interview?

My team at AvidXchange is hiring for some Software Engineering roles. The work is pretty cushy, good pay, and nice WLB. Hit me up if you’re interested or want more details.

How is the work culture in BMW Canada? General culture, support and mentorship, work life balance and job security. Thanks.

Hiring question - do you think you get a job at big 4 without a college degree? For example, someone dropped out of college after 2 years and acquired a few certs and a couple of years experience

Hi any advice for someone who has 1 1/2 year experience in industry and wanting to switch from market access to medical affairs. I'm open to any job opportunities in small or midsize pharma or guidance I have a vaccines and neuroscience background

Hi Fishes,

I want to know tax saving options as I am new to it so please let me know in what all options I can invest and save more money. Please help.

Salary : 14 lpa

Crypto, any idea about Shiba Inu?

Given the current downturn in US markets and specially Cypto, what's your strategy?

I'm 21, trying to build wealth. I need your help!

In the next 5 years, I plan on buying a house but there are so many investment options, I don't know what to choose.

I can invest upto 30,000 a month, please suggest!

The current state of market has me confused. I need an AR of 10-15% with Medium-High to Very High Risk profile.

Thanks!

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 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

hello, in elss is mirrae tax saver good or quant tax plan?

Has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

Has anybody availed term insurance policy (ICICI Pru)? Is it really worth taking?
I got married last year, my wife is working and i have a single parent, who is a government servant herself. Seeing a lot of unfortunate scenarios around makes me scared at times and i am giving thoughts to such back-up options these days
Please suggest?

From where do we get Form 26AS?

How do I invest in Secure Gold Bonds? Any reliable procedural steps or blogs or videos available?

Could anyone please clarify this?

Is the tax exemption limit (of 25000) under 80DDB for both parents or 25000 for each parent?

So in short - 25K+25K = 50K for Both Parents or is it just 25K for both.

Hi Sharks
I am 25 years old with in hand salary of 1L(just from last month) and i want to buy a term insurance plan. My questions are:
1. Is it wise to take 2 plans of term insurance one with return of 60 years and another without return of 80 years of each 1cr.
2. Is it wise to include health riders in insurance plan to claim for 80d or just chose health insu
3. How much one can ideally shell out for insurance per month (both term and health) for self in terms of percentage of monthly income.

Considering the current fall in the equity and crypto market, which would be your go-to stocks / coins?

Catch BPCL Rs.58 dividend with record date of 16th September

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

Hello Folks,

I am working in a mnc company, It's initial phase of my life I am 25 but I made a huge mistake that I started working in stock market when I was 22 and I lost the whole capital I earned in 3 years which I around 7 lac rupees and Found myself completely devasted and alone.
Now I am working on 13 LPA but I don't know how to accept the defeat and move on. I am completely stuck in the situation and Full with regrets also lost my whole self believe n confidence in life to do some. good.

I am a new investor. Started with Parag Parikh and Tata MFs and LIC IPO.

1. I see that both my MFs are in red - I started investing in Jan. Should I consider adding other MFs? Should I reconsider these 2?
2. Please suggest good tax saving MFs.
3. LIC listing gains and further performance is horrible. How much of gain I can look forward to in another 5yrs?

Thanks in advance!