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Is it worth moving to western countries if you have a stable life in India and the household income is close to 3 lac per month?
What are the advantages and disadvantages of this move?

Quick question: will you buy vanguard index funds through a vanguard account or their ETF versions through Robinhood or Ameritrade (already have Robinhood and Ameritrade) ?

Trying to build a strategy focused on index funds.

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I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
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What percentage of your monthly pay do you invest in the stock market? Complete noob trying to get started with investing. I already max out 401k and have a rainy day find in place.

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Any good non-tech stock buys?

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Can someone calculate income tax on below, new and old regime with no investment no rent

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Hello everyone!

We (I and wife) are looking to buy a 2+ bed condo in Chicago area by this September.

We are doing research pretty much on our own for the houses. So, I am looking for any references for buyer's agents who could offer us good commission rebate and help us with just basic stuff like paperwork and reviewing disclosures etc.

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Can you stake ETH on Coinbase? if so, how?

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Really hoping to avoid judgment on this post. Has anyone had to sign up for government or state assistance after becoming unemployed? Was the process difficult? I have a young son who's at home with me all day right now and I'm looking for a job that I can work from home, but in the meantime we need to eat and I need to pay my rent. Thanks for any advice.

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My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

uplifting

I live in a no-income tax state but work for a company in NYC. I’m getting taxed around 15k bc NY requires remote workers to pay NY taxes. What would you do?

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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 😊

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Bittrex or Binance? Or another? Is it possible to convert Litecoin to Alt coins on Binance?

This has probably been asked many times in this bowl - what’s the best hotel rewards program? I have the Chase Sapphire Preferred card and I’m a Southwest RR member. I travel maybe 25-30% of the time

Any suggestions for joint investment account with a significant other?

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Hey guys - Need some advice on my allocation. Consider unclassified as VTI. I know I have a lot more cash than needed for 6 months of emergency fund. But I don’t want to invest it all in index funds..

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Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

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I am asked during this RE analyst interview to build a real estate model from scratch. My background is commercial banking and I am used to analyzing real estate deals from the lender side not the developer. The interviewer is generous I must say he’s giving me a few days to complete. However this model is for a ground up multifamily development. I have no prior experience building one. I can find models online but all very complexe to reproduce. How would you handle? Do you have model to share?

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Hey folks, I gave round 2 interview in sap labs and got an email from HR that they have kept my candidature on hold. Does that mean the chances of selection has been reduced??
Also to let you know I am an experienced professional.

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My sister & I don’t get along because i feel she is extremely rude & prefers outsiders over family. My parents however, despite the fact that she disrespects them too, always say she is our daughter & we have to deal with it so just let her be. My mom thinks she is not in a good financial state so we should help her & I don’t want to given her disgusting behavior. Every time i buy something nice for myself, my mom kind of pushes me to buy for her too, and I don’t want to. Continued..

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Does your firm prohibit current employees from serving as a reference for former employees? How are recently “separated” employees supposed to find another job?

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Thoughts on Macy's and Lululemon? If you pick one of these which one would it be?

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what’re the agencies in Toronto that are best for diversity / healthy culture of mutual respect for all - women, POC? know nowhere is perfect but any doing okay?

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EY offer - 130k base
Dallas, 9 years experience, Senior Advisory

Current - Manager at Cognizant, 115k base, New Jersey. Is this offer good enough? Is there room to negotiate? Is yes, how to?

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Can anyone share the pay range (base, yearly bonus, sign-on bonus) of Solution Architect at Deloitte - Strategy & Analytics?

YoE - 12

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Hi Fishes,

I have been offered 37.5 lacs ( fixed ) plus 20% variable for the associate director level . My current fixed CTC is 29 Lacs .

Can you please let me know if this a good offer or I can get more?

Please also let me know what is the salary range for associate directors?

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Hi folks, am bit afraid reading the comments about pwc india..I am just a beginner with 2 years experience. They offered me 8 lpa fixed.Nothing discussed about joining bonus.
Any feedback will be appreciated. Am confused whether they offered is a good package by reading the comments about pwc.And whether am taking the rights decisions.

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Does anyone know the exact holiday dates that we will have in the last week of December? Has anyone received any email communication regarding this?

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Hi All,

I submitted my resume in Accenture portal 3 months back and now I got shortlisted for interview.

My yoe is 3.6, but the interview is scheduled role "Application lead project". Is this normal?

Are there any chances they might reject me as the interview is for lead role while my YOE fall in senior analyst / analyst role.

Thanks,

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Hello, I have an interview scheduled with Publicis Sapient this Saturday for the role of Senior DevOps Associate L1. I am extremely unhappy with the hikes at my current organization so that's that. What would be the level of questions? Anyone has clue. Please help!! Thanks a lot. Publicis Sapient

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Anyone have any luck scoring a nice watch in the Caribbean lately? About to head to the British Virgin Islands. Wondering if there is better inventory there…

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Hi Fishes,

Any openings for experienced transition manager with 15+ years of experience

What agency has the Food Basics account?

funny

Any Directors, Assistant Director, Executive Director from PwC. I need some information regarding the final round/ED round mentioned in my email.
PwC PwC

Additional Posts in Desi Consultants

Muhahhahahahhaha , I haven’t even voted once in India yet 😂😂

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funny

Inspired by the post looking for Telugu guys...Any girls in the Tri-State area in their mid 20s?
25 M here...born in the US...if that matters

funny

Unpopular opinion:
Don't understand what people are loving about Indian Matchmaking
I do not find it hilarious and do not find Nadia adorable 🙄

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If I am due for my H1 stamping for the 2nd time (the 2nd 3-year extension) but have not changed companies, am I eligible for Dropbox instead of an actual interview?

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How do y'all manage passwords ?? Esp absolutely critical ones e.g. coin markets etc..
Is anyone else paranoid about all this ?

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Is Deloitte filing EB2 cases under EB3 as the priority dates have moved ahead for EB3? Wondering how many people are benefitting from this October 2020 bulletin.

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Slightly off the topic, but any recommendations for a retreat place for parents in an around Nainital/Uttarakhand area in India in current circumstances? Want to book something “secluded” and easily reachable via car. Asking cos parents are by themselves back home and a change of scenery might help.

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My parents are coming to US for 5 months. Any recommendations for health insurance ?

Interviewing for an L6 TPM role at Amazon and have received a request to submit a writing assignment (post phone screen) that is due before the interview loop.

Would it be a problem if I write about the same scenario from my phone screen, with more specificity? I have a great example on the innovation option, but HM already touched on this topic. I think the intent is to just gauge my writing style, but don’t want to assume.

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I will be a US citizen in a few months. Does this mean I will need to give up my Aadhar card along with Indian citizenship? What happens if you have property in your name? Needs to be transferred?

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Toronto folks - what’s the best North Indian restaurant in the GTA? Craving some good biryani and butter chicken.

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On a H4 visa, for India to US travel on Delta/KLM via Amsterdam, do we need any transit visa as such?
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Hi all, has anyone temporarily transferred to the Canadian office of their firm and done the Canadian PR application while they were there on work visa?

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Folks , need help. Have 1 week this month for vacation and don’t know where to go, Hawaii is super expensive, any international spots with quick visa turnaround ?

Mirzapur 2 - anyone else watching it ? Loving it ! The dialogues are amazing

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Will try to keep this short - After parents visited a few months and I visited India and left, i feel like a void, everyday i feel like a machine with my mind still back home. Though its been a month

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What are the best dating apps back home in India? In places like Bangalore.

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