My 1st house purchase (Flat)
Salary 80K, I save 25K,
Purchase cost - 80L
Savings - 40L
Friends Relatives - 10L (if they give)
Home Loan - 30L, EMI-25K (20years)(wil pre pay 1L/year)

Main confusion is, we have 20L Gold, is it wise to sell Gold and purchase a house now. so that we just have to take loan for 10L, as it will reduce EMI burden a tons. Asked ChatGPT, it told to sell gold and purchase the Flat.

what do you guys suggest??

Has anyone built an emergent learning group in your consultancy or company that focuses on reflection, feedback, problems of practice... But amongst designers staffed on different projects/clients? How did you structure it? How did you maintain it?

Is there such place as non toxic ID firm? Or does any of ID attys like what they do? I moved from general practice to an ID firm six months ago. Biggest mistake of my life. I am trying hard not to just quit and walk away as I’m battling head cold but still have to bill bill bill and get criticized for not billing right and etc and cases being piled up - while everyone is looking forward to the long weekend. I seriously question my judgement. Need word of wisdom just to get through this hellhole

Does your RM department live within project management, or are you part of the Creative department?

We’re looking for a writer Senior to ACD. The position is client side and would start as a contractor. Based in Atlanta, but are interested in anyone on the east coast. Hit me if you’re interested

Looking for referrals to major Life Sciences consulting positions for strategy/analytics in Toronto/ Canada.

Please and thank you!

Master’s in biotech from McGill. Tons of research experience, pretty solid resume, 3+ years of translational research, 1+ year of consulting experience. And rich profile.

Very lucky to have a job. Our team of 9 creatives is now 3. I’m working 12-14 hours with a young child who needs me. Salary cuts to come. I just keep thinking, “The best way out is always through”.

Real talk for a second:
If you message someone for a recco on someone to help you with a project - be they editors, producers, planners,whatever - and they respond, send a note back saying thank you!

Will there be layoffs at grip/dentsu? just saw that they’re folding the Grip agency brand 👀

Hi fishes,
Which company is better to join for automation?
Sapiens or Attra infotech?
Both offering same ctc

Does TIAA tells whether you were selected or not for any given position?

Accenture strategy folks.. can someone confirm if work from home is about to end?

What does Shadow Hardlock mean?

I would follow elliotrades on twitter and giancarlo buys tokens on Youtube. They drop some pretty good alpha

I am having 4 YOE as a Salesforce developer , I joined techM on july21 but I am thinking to put papers because of my pay and also my project , I am not seeing any learning scope in my project . currently I am getting 12.5 lpa .

How much can I expect If I put papers now and attend interviews.
I am 3x Salesforce certified and 2x copado devops certified.

Hi All,
Can anyone refer me for business analyst job opening at Natwest?

Thanks in advance.

Where are the most opportunities in LS Consulting? I’m looking at moving to NYC but wondering if Boston or SF is a better play. Ideally prefer to be in an in-person/hybrid role.

Hi fishes,

Looking for an opening for SFE consultant/AC/any other relevant position. 3.5 years of workex at ZS and Novartis. Working as a senior analyst at Novartis currently. Lmk if anyone has an opening in their firm. Open to pan India relocation so that's not an issue.

Thanks in advance fishes!

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.

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 !

Hi Experts,

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

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😒

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

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 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.

Is there a way to Pay rent via Credit Card without paying the convenience fee?

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...

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.

Best app to track expenses?

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?

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, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide