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Hello All, I have one question. I was a fresher and joined one organization as external employee with third party payroll. I worked as external payroll for 1 year then I became permanent employee of organization was working. When i was a fresher my salary was below tax slab so my external exployer did not generate any form 16 for me. When tried to switch my new organization wants me to submit form 16 as BGC process. Will my offer get reverted?Cognizant Tata Consultancy HCL Technologies Accenture
Hi fishes,
Can you help me with in hand salary?
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Visual Storyteller
I have an offer with Capita plc for 22 LPA for 5 yoe.
It's complete WFH.
Tech stack is spring boot and microservices.
Is it a product based company or a service based company?
How wlb will be in Capita plc?
I have been offered 6A band as senior software engineer, so is 22LPA fair compensation?
Thanks in advance.
What was your bonus % this year?
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Visual Storyteller
Hi all, recently in touch by Spotify recruiter for a Sec Engineer position for remote EU and was told that range was 60-80 out of base salary and equity. Had 2 years of security experience out of my 4 years. Was also told that there is no bonus scheme or no sign in bonus 😕 Not sure how I feel about this tbh.
What do you think?
Spotify
How many pages is your resume/CV?
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What’s the dress code at BDO? Jeans eveyday?
So excited to be putting in my notice next week!
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If you’d like to fund the sales reps college kids with all the commission he makes off a whole life policy, then hear him out. Sure he will also be happy to put you in some annuities and sell you a timeshare as well.
Seem like you’re doing pretty well and following simple personal finance principals. They are not in business to make you rich. They are in business to make themselves rich. Stay the f away.
And most definitely not getting a mutual fund
I go with a straight term life insurance plan. It is very simple and I like simple.
Pro
You may want to consider that PwC’s life insurance is tied to your employment at PwC. What happens if you don’t work here anymore?
Not saying you should buy what this particular person is selling but it’s good to consider insurance independent of your employment.
Yeah. There’s a chance I may leave next year so who knows if the other place I go to will have that same benefit.
Do I really need additional life insurance outside of the 10x salary? That’s over $1M.
Pro tip- get your life insurance from the AICPA.
Another point was to invest the money into a mutual fund instead of paying off our student loans (approximately 50K). I feel like it’s better for me to pay those off now instead of throwing in a fund that potentially could lose me money in next year with the volatile market and looming election.
You definitely don’t want that CFP. Your instincts are spot on. A positive rate arbitrage is not likely, particularly with significant capital risk. Student loan interest rate 5%, mutual fund income needs to be more than that after tax.
Maybe look into term life insurance it’s cheap and won’t be tied to your employer.
If you are an AICPA member I’ve yet to find someone who doesn’t think their term life is a good deal. Rates are low plus a 50 % annual refund each year. Check it out.
Rising Star
If you need more life insurance (or after you leave PWC), going through AICPA is usually the most cost effective and best option.