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Hello guys, I have below offers:
T-system : 27 LPA fixed ( 2 days a week WFO mandatory from DOJ)
Tech Mahindra : 26 LPA ( including 10% variable ) + 1lakh JB ( WFH for now)
Which one is good for better opportunity and WLB.
SAP ABAP on Hana .YOE: 7 yrs
T-Systems ICT India Pvt. Ltd. Tech Mahindra
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Hi everyone! I am working in Tata Consultancy Services Limited and getting released from my project by 31st Jan and I'm looking for project with onsite opportunities. Please do let me know if any openings available. I have 1.5 yoe. Skills - Network Automation, RPA(Automation Anywhere), Python, Power Automate, Cisco meraki, Zscaler. Willing to learn new technologies as well.
My email id - mishrashruti98@gmail.com
I’m about to start an internship at IBM for UX Research. I’m super excited about it, and was wondering if anyone could tell me about the design culture there or how the company is for designers? So far online I’ve only heard about the company from consultants or software engineers. For more reference I’ll be working in Austin.
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See man -be simple rule for buying cars.
Cost of car = 10 % of savings
So if you wanna buy a 10 lac car, you should have 1 cr in the bank.
Do really thing if someone is earing 1cr, she/he will use 10lac car...then why are you earing..only for putting it in equity and bonds, and then handover that amount to your kids...
Simple rule is...maintain a safety stock for 6 months...then check you monthly expenses..takeout decent amount for investment..20-25% monthly...keep 2-3 months expenses as free cash flow...and with rest of the money enjoy your life and be happy. Eventually for what you are earning...
Pro
At 25 fix, you can easily afford a Honda City without compromising on other things. 1.7 would be fix salary, Pay 40 thousand emi for 5 years
Thats a good answer 👍🏻
These type of questions break the internet!
Rising Star
Pay 40-50% down payment and emi should not be more then 15% of your income
Nowadays finance influencers have come up with a 20| 4 | 10 rule. You should have 20% of the cost of a car in your savings as down payment, 4 year tenure of loan repayment and emi must be no more than 10% of your monthly income.
Ex- Honda City v MT petrol at 11.46 lacs. Down payment 20% = 2.3 lacs, with tenure of 4 years you'll have to pay 27.59k as emi. With 10% rule monthly income ~2.76 lacs pm at least.
Now this is an insane figure for buying a car but is only a thumb rule.
depends on how much down payment you have. Plus what other loans you have. Total EMIs should not be more than 30-40 % of your disposable income. If disposable income is less than 1LPM, then limit EMIs to 20-25 %.
Pro
I believe that the cost of owning a car is much more than its price. Many people ignore the maintenance cost of cars, insurance, pollution, repairs, servicing, parking, oil change etc. These things cost quite a hefty amount.
Holistically thinking, we should have double the car amount as the cost of owning a car. Half of that amount would be upfront and the rest would be used up throughout the life of the car(assuming 10yr) life.