I'm planning to buy 2BHK flat in pune(decent locality) and it would cost 1.03 CR..The possession would be Dec 2026..Looking at my current financial savings, I have 50L savings and I'm planning to take 53Lacs loan for 20 years..considering I have 3 years for property possession, it will give me enough time to have further savings as well..How should I divide my savings and loan to buy this property in this time duration also would like to keep some money for emergency situation..Thank you

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

Airbnb is going to go public pretty soon. Are you going to pick up this stock?

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

Investing in share market

Invested 5 lkh
Loss 39k

Any metaverse coins I should be looking at? What’s the next big thing? Have a few grand to gamble away.

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

Is it too late to buy the FAANG stocks? Still feel that Amazon and Google are undervalued.

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)

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

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

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Marriott or SPG credit card (for the sign on bonus)?

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Has everyone really lost faith in LTC? It seems that nobody is talking about it, and it’s not on anyone’s top holdings list (on FB) 🧐

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Anyone aware of Australia or Singapore recruitment firms? Pre-MBA

Any Perth 🐠s? I’m supposed to go back to US next week but given all that’s happening over there, I’m wondering if I should delay going back.. I realize things will get bad here too though. Thoughts?

Left IBD to quickly - VP1 opps?

Long story short - was lured into an opportunity to do BD for a large PE PortCo… better work/life balance, but honestly miss the deal cycle.

Anyone know of open VP1 opps right now?

Quick background - former MM banker (think Raymond James, Piper Sandler size) doing FinTech and Asset Management within FIG, but also open to other sectors.

Thanks!

To those who live and breathe advertising. Why?

Other than FAANG and Spotify, what other companies would you consider going client-side?

I’ve just passed the final interview for a Business Development Manager position for SaltPay, UK. Does anyone know of the commission structure, KPI’s etc to expect? We didn’t get a chance to discuss it in my other interviews (it’s been a very quick process) . Would love to hear any insights you might have in the company. Thanks!

World Wide is hiring for analysts/consultants, review: pay and WLB is great (never had to work weekends in 3 years), some projects are more exciting than others, but great people. Let me know if interested.

I need a job😭😭😭😭😭😭😭😭

What's the range for L10 Tech/London. Pretty disappointed with the perf discussion result and being told that I am already at the higher side of range☹️.

Hi fishes , Just want to check when relocation amount paid off , and do we need to produce bills ?

What I heard is it's lumsum amount.

Nothing worse than an analyst who thinks they know everything and can't think big picture - neither can you take direction nor do you understand broader context around said comments

Got a mail from RL to schedule a discussion for career outlook conversation next week, so most of us would get to know the numbers and impact tier by next week.

Has Cuomo won a golden globe yet?

have any (females) dealt with imposter syndrome in a male dominated sport? i just started jiu jitsu at a really great academy but for some of the classes I’m the only girl and it’s a little intimidating. i feel like i don’t belong/deserve to be there. the guys are all super nice, so it’s nothing against them, i just get in my head a lot about it.

What is SVB wealth advisors starting salary with in the private banking? Or honestly what is a good salary for wealth advisor and a comp plan.

For marketing profs working in finance, is it easy to convert from one area in finance to another, even if different niches (i.e. does having a background in banking allow easier transition to fintech, or DeFi?)

Is equity research a good finance role? what’s the salary and future earnings potential? I’m on digital advertising but may have a chance to join an internet stock research firm

Best recruiters for moving in-house?

Seeking advice on how to react when a colleague asks how much you make. I don’t want to disclose what I make given the person asking definitely makes less and it will cause drama

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.

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)

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

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

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 ?

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.

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Hi folks,

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

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.

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.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

Hello Sharks,

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

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !

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