If I take a salary advance loan from my work, will it be added to my income? Interest is 0%.

New client looking to switch from Simple to Safe Harbor 401k (needs safe harbor because owner makes 5x what employees make(dentist office )Does anyone know if there is a custodian who offers this?

What is EYs 401k match? I am going to interview and found lots of benefits info online but could not find match or best. Thank you.

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.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Anyone here works full time at public accounting and has a part time job to make some side money? I have been thinking to get a real estate license and work as an agent on the weekends/ free time. Is that possible time wise? Thought housing market is hot now and would be a good time to enter.

Hi guys 👋🏻 Can someone please help me with the query below:
I did not file ITR for FY 2020-21.I had actually earned around 3,34,000 becoz I wrote master thesis for foreign students and I got online payment in my acc. So is that taxable?
If yes, then my total income will become 521121.

2ndly, whats the penalty for late filing ITR?

Thirdly, I left my previous job on 02 March, 2021, so I received the Feb 21 & March 21 on April 2021. So does it come under FY 2020-21? OrFY 2021-22?

Thanx guys

Client's budget is around $300K and would like an apartment on the East Coast / New England. Thoughts on if this is realistic?

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

Well, its a good thing I sold ARKF when it was $55 last year

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

How do I get a credit report for a deceased person?

At this point, I am ready to die with my GME stocks. 😩 My grandkids will inherit it. I am ordering my certificates as a souvenir. 💎 🙌🏾

How to transfer PF fund from hcl to epfo if i was a non pension member???

Hello Autodeskers,
I wanted to understand how RSUs work in your favour? I mean if I am getting rsus amounting to 40% of my package, and another company is matching the package with all fixed, should I still choose Autodesk package? How about selling them and taxation? Is it really beneficial or risky?

Hi EY people…who is the 401k provider for you? Vanguard?

Hello fishes, can we buy land/plot to save long term capital gain tax?

Have you received the salary today? Got the mail now but no credit yet in account 😕

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Hi all, I’m currently a solution architect with 1yoe and two bachelors degrees. I also hold two cloud certifications and make 60k a year. This seems very low considering what I’ve seen for average SA salaries for those who hold the AWS SAA certification. Was hoping for some insight on this and if I should seek more compensation. Thanks!

Hi Folks, there was an image which was showing the fixed and the corresponding take home salary? Can anyone share it over here?

$Link 👀. Drop down to $11 area or keep pushing up?

My marketing people - does anyone else's company have a dedicated "Marketing Response Team" (MRT Team)? Or something similar? Might be called something else at other companies and I just have no clue.

suggestions for improving quant? I do well on the OG problems, but I did horribly on the gmat club quant section i took today, and i’m trying to understand why the awful discrepancy. any tips? tyia 🙂

Anyone else holding out to 1 year AT LEAST, in order to get long term cap gains tax rate? 🙏🏻 every day passing is a day closer

I regret only buying 1 ethereum when it was about $1500. I bought Tesla shares for another $1500 instead of buying 2 ethereum shares due to fear 😢

Has anyone else worked two programming roles at one time?
I currently work as a Contracted Software Engineer and I’m set to finish my contracted time at the end of October. To stay ahead of game I started to move forward in the interview process with another opportunity as an Application Software Programmer and just received notification that I got the position. I definitely could use the extra paycheck to help out with my financial obligations. Just wanted to see if anyone has done this before.

Hii fishes,

I've been offered a position at TCS with package of 10LPA and current ctc is 8+ 2lpa(retention bonus)

I've written an email to TCS for increasing the compensation, can i get a better offer from them? And if yes how should proceed

P.S- hike in current company will be in march and will have to stay till end of march 2024 to keep the retention bonus

Hi Folks,

Can you please help me with the below queries,

I am working as a contractor for Walmart.

1) In case, they convert me to FTE, can I expect any hike?
2) When are Walmart offices opening?
3) My payroll company mentioned my work location as Bangalore but the project I am assigned to is based out of Chennai, how will that work?
4) What is the expected salary for an SAP Consultant in Walmart with 7 years of experience?

Looking for an HTML5 animation expert for a web project. Quick turn freelance gig.

Hi BIA fish! I’d like to connect with a designer for custom logo creation (paid job) on a personal passion project of mine. If that’s you or someone you know I’d love to reach out!

Could we get reimburse for taking the ITIL exam ?

Ever see your rejected ideas win Grand Prix by other creatives? Seen it more than twice?

30th birthday present watch accessory ideas.

A lot of knowledge on here so asking for some help. It’s my partner’s birthday and I’ve no idea what to buy him. He’s a watch fanatic - Pateks (sports and dress), Audemars (sports and dress), Rolex (sports), Omega (sports).

I’m obviously not buying him a watch for his birthday (in his dreams!) but any idea for some good accessories? He’s already got a PP watch winder, and has bought multiple nice straps for the dress watches. I’m completely lost.

Feel free to ask any personal finance related questions here, from equity investment to CC offers. There’s nothing called silly questions, we have some excellent peers in the group to answer it.

MY NPS SIP deducts 30/- as convenience fees
I am 27 my NPS is for 33 years my convenience fees will be around 11k
What to do ?

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

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Hi Experts,

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

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?

How t save tax for 9 lpa salary. Can anybody help me out.

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)

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

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...

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?