I want a BMW X3, should I buy outright or finance? What is the most reasonable amount I should expect to spend on a 2020 model?

What's the best rent splitter online? Most accurate for sqft, etc?

EPOR a solid first option trading choice?

From stocks to crypto to NFT, which is the next big investment opportunity where we could be the early movers (investors) and make great returns? Love to hear them.

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Off topic!

I recently bought a house (In my hometown), I am not staying there. It is currently on rent. I am getting Rent as 50% of the total Home loan EMI of that house. And it is equivalent to the rent that I am paying at my current location in another city.

Question is: Should I do yearly loan prepayments from my annual bonus to reduce the EMI amount or should I keep the loan going as it is and invest yearly bonus in share market or gold.

Or

Any other approach to get good outcome?

How do you manage and track all your investments? E.g., stocks, mutual funds, PPF, PF, gold etc.? Do you use an Excel sheet or some app?

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

My queries is related to ELSS fund.

Can some one please explain me the concept of lockin perod in ELSS fund.?

I have a sip which started on 1st June, 2019.

So the lockin will b till 1st June, 2022 or the 2 yr lockin will keep on adding on each sip?

I am bit confused here.

Any help much appreciated.

Does enjoying investing your own personal capital translate to enjoying working in investment management?

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

Is anyone playing around with leveraged coins on binance?

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

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?

Looking to see how much other Provider Enrollment Specialist make including what their company's invests in their 401K

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

What platforms do you use for your investments?

I use Zerodha for brokerage and Kuvera/Coin for MF investments.

What is the best way to find a job at a startup? I’ve been in a major Fortune 200 company for the past 6 years, and I am looking for a change to the startup career path to build companies from the ground up.

I currently hold a bachelor in accounting and I am looking into transition to the Cybersecurity world. I have an interest in working with the banks doing penetration testing.

Can anyone recommend a Tech Bootcamps in the ATL or Metro Atlanta Area

How can I get started ?

How many hours a week do you ACTUALLY work?

Do you find your job intellectually challenging?

Just logged in. How is everyone? I guess I need likes to msg? Any pointers?

Any good crime books that you would recommend?

40 weeks pregnant and terrified to be induced. Any tips on how to manage the stress and pain? I’m getting an epidural but still very nervous.

Post egg retrieval, and my doctor says my thyroid levels are a bit high for what he wants to see for FET, so he has me on medicine to lower it before it’s time for FET. Has anyone else experienced this? Was it caused by all the IVF shots? Will this be a long term issue?

We recently got the ok to schedule our orientation and delivery date for our IVF medications and all I have to say is ADVOCATE FOR YOURSELF! My husband has dermatomyositis, and his doctor put off treatment so that we could do some collection and go through IVF. I felt like my dr was blowing off our timeline, but I persisted. I worked with CVS Caremark directly and got approval in 2 days (not the expected 3 weeks). Moral of the story: ADVOCATE FOR YOURSELF!

I had IVF process to get pregnant. During pre- embryo transfer we were told that girl embryo is being transferred. Currently I am 18 week pregnant. I had anatomy scan and we found out we are having a boy. Baby looked all healthy but due to gender discrepancy, We are asked to do additional testing and genetic disorder screening. Anyone had similar experience?

Is anyone playing around with leveraged coins on binance?

Maybe a basic question: should I get coinbase or coinbase pro?

Been in the strat game for over a decade; I’ve realized that a strong department with clear process that is built on end to end problem solving (with time to think) is when I’m happiest vs this award show / case study grind. What are some agencies you all work or have worked at, that value strategy as a department and not a creative case study farm? Looking to figure out what’s next.

Thoughts on the best domestic mileage program? Any recommendations for someone also potentially using those miles for international redemptions?

What are the best consulting firms in Europe to do AI strategy work in public sector? I have Canadian experience and I’m looking to move geographies.

Anyone switch to Metromile from Geico. Since the pandemic hit, I don't drive anywhere an maybe do minimal miles on a grocery trip. Stayed with geico out of loyalty but the price of loyalty is 3 times what Metromile is charging

Anyone else going to quit right when offices reopen? Honestly I hate the idea of going back into the office.

We are all sleep walkers (specifically in Europe) walking towards the second wave of corona virus cases and potential lock-downs even though we should all know better.
Change my mind!

Week 13 of social isolation and we decided to get a cat. She’s here Monday, give me all your tips?

Looking for inspiration from real people versus youtubers..

Post a picture of your home office. Starting my first WFH job and I'm looking for ideas! Top accessories? 13x13 guest room is the desired location. TIA 😊

A coworker asked me to do something, I should have questioned it but did it because I trusted their seniority. I got called out for it by our boss on an email. Should I say something? I am planning to apologize to my boss and mention I’ll run it by them next time. But not sure if I should mention I had checked with my coworker who was in charge of that area.

I am meeting my girlfriend’s parents for the first time this weekend for dinner at a pretty nice restaurant. Her parents are fairly traditional Chinese mom and dad and I am not Chinese, or Asian for that matter… I don’t want to show up empty-handed - any ideas on good gifts for first time meeting Chinese parents?

Most exotic name you’ve heard: drop below!

For those who wake up at 5,6 or even 7am - how do you do this in this cold, dark, hopeless weather? Any tips for that? I wake up with my alarm but it's so cold and dreary and annoying that I go back under my sheets....

Be careful of a growing subculture of politics with the new leadership team in place. This is a place where it is more important to get along than to get things done.

My superiors are asking me to contact CEOs of debtors to chase payments. We’re in B2B and payments are usually 30 days or more. As soon as we get someone over that and they don’t provide a payment date, I’m being asked to contact their CEOs somehow and demand payment. I think it’s dumb, will hurt the relationship and I also don’t want to ruin my reputation. Thoughts?

Just logged in. How is everyone? I guess I need likes to msg? Any pointers?

Any good crime books that you would recommend?

People who have moved countries during the pandemic with WFH - any tips?

Best books on entrepreneurship? Trying to find a good birthday gift for a friend thinking of starting his own company and exploring business ideas

Mink farms still exist? I thought everyone was cool with fake fur.

I just had to send my husband away in an ambulance. I’m not allowed to go with him or even go to the hospital. I don’t know what to do. I can’t even be there for my husband.

Book recommendations? I’ve been reading atomic habits, and have moved onto Traders guns and money.