I’m a salaried employee with an income of ~₹15 LPA and have ₹5 lakh invested in equity stocks. I need ₹10 lakh for a family function but don’t want to sell my stocks. I’m considering taking a loan and would appreciate suggestions on the best way to save money. I haven’t taken any loans before,I am using 1 credit card for personal use and my credit score is 810+.

Has anyone ever tried to use their PIV card to book the GSA rate for a personal hotel stay

Y’all I want to thank you for the tax discussion/questions we have in this bowl. I've been applying it to my job and it's helping. 😄 Of course, everything should be taken with a grain of salt.

Hi everyone, any tips for resignation letters, who to meet/tell first, what to do before your last day (i.e. anything adulty like 401K or healthcare)? Any insights would be greatly appreciated!

If anybody is aware of global compliance process for international travel request, kindly help me with the timeline and while process?

I have already uploaded COC Application onto EPFO portal after verification from TCS compliance team and now status shows as waiting for employer’s approval.
Does anyone has idea how long more will it take to complete this and what are the next step?
My travel date is in the second week of November and other clearances are dependent on this check.

hello, in elss is mirrae tax saver good or quant tax plan?

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

Anyone doing any investing in Charleston, SC

My flight is at 6:45am tomorrow Im in the north end - will uber/lyft be available at this time??

Has anyone gone to an estate sale in the city?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

Is there any way to travel or live internationally while working for the US government? I’m working in finance and accounting. Would love to know how and where.

Question on UK visa-
My partner will be traveling often to London, once a month for an year starting September. He is getting his visa through work (10 years, multiple entry, 6 months max stay, cost some $1000).

I have applied for standard tourist visa in the past and they are usually short term. It could be max 6 months, but they see your itinerary and allocate you few months around the itinerary

Is there a way to get 6 months multiple entry visa, if I were to join him once in a while.

I've worked in hospitality for two years, but now the travel restrictions are lifting and I'm nervous; how busy does it usually get around Christmastime?

Not law quite law related but I could use some input: anyone have any luck negotiating lease pricing with a corporate landlord? I originally signed and got covid pricing and now they want to hit me with a 17% increase bc of inflation 🙃

Anyone with a leased car move from NJ to other states? If yes, could you please help me understand the process to get sales tax refund from NJ? Thanks in advance!

What do you guyz think of Bitcoin Cash (BCH) ?

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

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Hey Everyone,

Any idea on how is the Job market for Power Platform (power bi + power apps) technologies in Canada??

My company is trying to retain me by saying they will file for Canada visa. Is it a trap like assuring h1b for usa ?

How long it takes for Canada Visa ? And what are the chances for getting work visa for Canada?

Cleared first round and my on-site is next week. It just came to my notice something about visa sponsorship in JD. It states “This role is not eligible for immigration sponsorship.” I have H1B but I would need H1b transfer and GC sponsorship. Can anyone help me out here.

Has anyone heard about i-exceed technologies, need to know whether i should join the organization or not

I’m entering salary negotiations at a Fortune 500 company and am looking for trustworthy resources for salary data that I can share with the company if they ask where I got my numbers. I know Glassdoor, but what else?

What is the onboarding process for KGS. i have my joining next week on 31st October but haven't received any mails related to the onboarding.

Does getting snapshot at partially next level in 4 perimeter and next level in 1 perimeter will be enough to get promotion? I have received similar kind of 5 snapshot. ( some cases next grade in 2 perimeter)
Current position is associate 2 in Assurance

What are your favorite restaurants/activities that are a quick drive from the city?

Fully employed Art Director (agency) looking to pick up some freelance contracts on the side. Can this be done?

Anyone have life insurance marketing ideas that has worked for them? (E.g. direct mail, events, groups, etc.)

P&C focused people: What do you do to find success cross-selling life policies? I mostly sell P&C off internet leads. Most are not the ideal client for my company but I take care of them like I would anyone else. I do okay but not great with life after having the client for six months once I move them into a preferred policy. That move saves them enough to make life doable coupled with established trust. I’ve been told just to quote the auto and life together initially but it feels “off” to me.

UGH just got home from work — is it even worth it to tune in at this point? Then again, it’s only halfway through, correct?

What is leave policy and encashment policy at Citi India

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Best way to get cheap park city lift tickets?

FINALLY saved up enough for a Leica kit - I was very excited for the CL - but the shop suggested the Q2 as a really great travel camera, and now I’m not sure what to get. Anyone here shoot Leica? I’m looking for a simple to use, compact travel camera. I love the lens -swap on the CL (one day want to own an M and SL kit) - but the Q2 has me thinking…

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

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.

Best app to track expenses?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Can any one tell me, how to invest in quant mutual fund through it's website?

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?

Is it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.

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

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

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?

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

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?

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)

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