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Hi Guys...
I have a total of 5.5 years of experience with current CTC as 11.5 lpa.
I have a offer from Infosys of 17 lpa
But my company wants to retain me and they are giving me an opportunity for Canada onsite in return of retention(no raise or bonus)
Please suggest me, if i should take the onsite opportunity or keep looking for counter on my current offer.
I have 70 days of Notice Period left.
Tech stack- python/ AWS/ data engineeringDeloitte
When that bonus check hits 🥰
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Hey Fishes Looking out for a job change and came across vacancies at Deloitte India as per my profile and experience. Can someone kindly help me with the referral. That'll be great help. Have been trying from a long time to switch but nothing fruitful yet. Your referral might make the job hunt a bit easier so kindly help. Yoe: 3.3 Profile: SAP SD associate consultant Immediate joiner
Deloitte India
Thanks in advance for your help.
Austin’s Christmas tree 🫠😵💫
Chief
Any tips for HireVue interviews/Delta Airlines?
Anyone has a promo code to the “Lose it” app?
Additional Posts in Consulting India
Need Genuine Suggestion - I have two offers in hand.
1. TCS - 16LPA CTC
2. CGI - 17LPA Fixed + 1L joining bonus.
Yoe- 8 years
Tech stack - ETL Developer.
Which one should I accept? I am the only earning member in my family. So job security and re skilling opportunities are my first priority. Tata Consultancy OR CGI
Pro
25 minutes to another Monday. Fk this shit.
Anyone joining infosys on 27th October?
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I would suggest buying your own home instead of buying with your brother. There will be big differences between your wife and your brother's wife.
Why dont you buy two houses... one each... I have taken a 3bhk home along with brother and there are a lot of issues that come up.. better you have your own and he have his own...
It gets very difficult post marriage.. I am experiencing the same
Chief
One more thing I would like to add here for all.
Banks have helped builders create large inventories of flats to sell their own products (Loan)
So when you are buying a flat on loan you are actually buying a loan from Bank for which you are paying long term interest.
Flats built by builders have a very low life i.e., around 15-20yrs by the best of the builders for for rest it's lower.
Add to that builders will be charging maintenance fee starting from 5k-30k monthly providing various facilities that you'll not be able to avail any kind of exemption in ITR
So buying an apartment is not a good idea.
So where should we buy an House?
Please don't get into this trap. Tell your parents to go for a three bhk but not at your expanse. They can buy a three bhk with your brother, your buy one bhk at some other place and move out.
Property arguments are real and if your parents don't favour you now, they won't in the future.
What if you change place due to job... really don't fall for this emotional and hum saath saath hai trap.
Just postpone the house thing , save for 1more year as much as possible and take the loan and buy a house if its first house.
If kids are small don't spend too much for schooling , they are not gonna teach anything great.
Having one house is more important , if you and your brother are gonna split in future just makesure.. who will have right on what and how much to pay terms
Pro
True, now a days Schools are asking one lakh for even 1st class
As many commented , it's not a good idea to take one big joint property except that you are gonna give it to parents and you will buy a seperate 2-2bhk appartments.
If u don't wanna add a new fight in home , why don't u just postpone saying let's accumulate more money , and will reduce EMI, makesure u will have 50l cash before taking a loan . And 60lakhs loan jointly can be cleared in 7-8years making sure 50% goes in emi.
Future me kalesh hoga. Isse accha buy small separate
Kalesh ya Kalash ?.. isme kalash Kahan se aagaya?
EMI must be some 20% of your salary..80% kaha daloge?😁 Bank me?
When I was spending my money on rent these many years, people said me I could have bought an house instead. When I am planning to buy a house now, people are crying that I will die in emis. I did not listen to them. At that time, I wasn't financially good so even paying a rent was tough for us. Now I plan to buy one for my parents so they can stay happily. Do what you think as right for your situation.
Pro
True 100%, same happened with me, Every one was telling to buy home so we can save tax and can have property, later they will say that cannot it's tough to pay Emi.
Arre ye post abhi bhi Active hai ..
Haha.. wahi toh.
Author ko uske ans mil gaye hai 😂
Stay debt free stay stress free
Bhai pass pass 2 bhk lelo ..sath mai bhi rahoge aur ek family privacy bhi bani rahegi .
not at all, Please don't take these types of liabilities on your hand, living in a rented house is an good idea, because you have option to live near to your office, you can save lots of time and, If you will take loan then you should pay your loan double amount and of-course a big interest. So you should secure your family future, instead of that you can start Mutual funds for your children and for retirement. Paying a big amount to your bank for 20 years could be more frustrating for you, because whenever any job security(Recessions) is not there, it can drag you in depression.
Don't think short-term...by 2 Flats same building even it's 2 BHK . 1 your Brother can buy and 1 you can buy.
Don't do the mistake for thinking that all will be living together... It will be good for your future mental peace.
Bye two 2bhk at the same floor
Age?
26 M
If you both get married and want to live in one roof then it won't be sufficient for so many people to live. If u live on rent and donot have a permanent own home then buy one atleast for your parents to live. If your parents do have property then i suggest buy house after marriage because you wouldn't know where your job will take you and if you want to live separately. Until then save some money for downpayment.
Also never ever buy an underconstruction property even if it is rera registered.
More information is needed, are you already staying in rent or have own accomodation ?..
If on rent, how much rent are you paying combined ?..
Because on house loan, you'd get some tax exemption as well ..
Best course is to go for loan/ EMI, but for a lesser amount so as to minimise risk & have money for other important expenses as well ..
20k rent we are paying for 3bhk.
Just tell your family that you don’t want to have shared ownership in terms of Real estate . Be upfront about it . Tell that you and your wife are planning to buy 1 bhk and have additional expenses so cannot afford to put separate money for 3 bhk. Once you and your wife have own home and emi is cleared then will invest in 3 bhk.
Joint property is challenging.. you need to follow tv serials for a week lol 😂
Just kidding, if there is good coordination it's a bliss.. but practically it's tough.. if you have that rapport, best to live that way.. but again when kids may demand separate room as they grow.. as you thought about 4 years down the line..may be see 8 years down the line and decide what's best.. cheers!!
Don't buy a home now.. you can stay in very good place for rent and it has its own perk you can move new place as per your job demands. Also buying an apartment is not an good investment. Once your career over you can buy an 10 acre farm with house for 1 cr in an village as per current market
Lol...