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Looking for referal with 5years of IT experience into frontend/MERN stack development with React. Js and Node. Js.
Have applied to multiple openings in Cognizant Amazon Fidelity Investments Infosys Capgemini , but not getting any response back. Anyone working there can you please refer me.
Thanks in advance,
Nishi Chandra
Location constraint:
I have got a very good offer that i cannot deny, but location is Hyderabad, I want this in Bangalore location. I am not onboarded yet, spoke to HR , he said it is not a big problem, Thoughtworks is very flexible.
Currently it is WFH, but once it is back to office.. I dont want to relocate. How easy it is relocate from Hyderabad to Bangalore, Thoughtworks
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1. Get rid of all your loans. If you have a housing loan then get rid of it upto 50%, post which you can continue to only pay EMI.
2. In case u have dependents buy a term life insurance of life cover upto Rs 1 Cr to 2Cr (yearly premium should be around 10 to 25K)
3. Generally people move from one company to another and the premium increases as u age, so better buy a medical insurance on top of ur company provided insurance now. Buy an insurance cover of Rs 10 lakh+
4. U need to build an Emergency fund of 1 year avg expenses (I.e., 12 * your Avg monthly expense). For Ex: if u have Rs 25000 expense per month then u need to have Rs 3,00,000 in non risk liquid investment avenues. Ultra short term debt mutual fund is preferred. In this once Rs 3 lakh is achieved you can set up a STP (Systematic Transfer Plan) to nifty index mutual fund to make it inflation proof.
5. Build a Retirement Fund: 10-20% of ur take home salary (post tax) can be invested in high risk equity mutual fund. You can chose ELSS funds + Equity index funds + top performing active equity mutual funds in the past 2 decades.
6. Rest of the money can be used to build a General Investment Fund: For GIF u can allocate 50% in debt and 50% in equity mutual funds. Whenever you have financial commitments like Marriage/ Children’s Education/ Car/ Housing/ Vacation etc, u can withdraw from your debt funds and subsequently withdraw from equity funds when the markets are at the peak.
7. U can allocate upto 5% of ur total corpus in Gold/Silver/ Crypto currency/ NFT etc.
get term insurance and contact us for risk profiling to be advised