#offtopic finances
Need advise, if I should buy a scooty with Cash down or take loan? Pls suggest if taking loan how much of down payment should be wise?
P.s I have savings with 7-15% XIRR (MF, FD) for cash down.

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

What is the *prime* amount of money to bring you happiness?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

My 401k technology stocks are down 27% as I started beginning of last year!
Hold and ride OR some other recommendation?

What do you think on buying JPM, WFC, C now?

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

How to best calculate the loss of value(diminished value)to my car due an accident? Insurance agency quoted a really lower amount.

Am I the only one that feels like we should have our student loans forgiven? (And I used to be adamantly opposed to ANY student loan forgiveness)
Our salaries continue to DECREASE as cost of living increases (not just “no raises”…decrease!…I realize I’m preaching to the choir haha). I can barely (and by “barely” I mean “can’t” TBH) make bills, pay for kids activities, etc (also a single mom of 3, for more context) LET ALONE pay my loans…
How do we start that movement?…
Who’s with me?! 🤷🏻‍♀️😜

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Can grad students get $20k forgiven if they got Pell in undergrad but outstaning loans are only for grad school?

Hi All. Have anyone applied for flexi basket declaration in HCL. Kindly tell me if there is any good tax savings or of no use.

Anybody here make significant weekly/monthly passive income off Covered Calls and/or selling puts? Looking for success/failure stories for those who have tried this!

I get $3200 in rent for a condo that I have $3600 monthly costs on (mortgage, property taxes, HOA fees). Although I put in $400, I make about $1400 a month in equity (15 year mortgage). Property is worth about $470k and I have $200k in equity. Make sense to keep or sell?

Are any RIAs charging for maddening 529 plans? If so, how?

How do I invest in Secure Gold Bonds? Any reliable procedural steps or blogs or videos available?

SNAP - 5/22 $18p, b/e $16.86

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Context: suit shopping for a wedding.
Having to buy an off the rack suit for a wedding, the only options are 40 or 42, when I normally measure 41. Do I buy 42 and just get tailored more heavily?

Real talk who are all these weirdos walking around wearing Tesla jackets when they neither work at nor own a Tesla

My brilliant team is being dissolved. My team is what made the work so enjoyable, not the job itself. I’m feeling pretty…stunned, I guess, and nervous about going through this again in the future.

Hi Fishes
One of college's son is doing his BE in CSE (computer science) he is looking for internship.
Any body can help.
Please DM to me.

I am looking for a change. I have total 4 years of experience in Frontend Development (React Js). Please refer me if companies are having such openings.

What's the avg salary of a bi engineer with 4 years of experience at Paypal?

Good afternoon!

I am in the process of transitioning from South Florida to Austin and am looking for advice finding opportunities in the area.

Any help would be appreciated!

I'm in Austin for the weekend, what's everyone getting into tonight?

Any recommendations for a therapist that understands high stress/high demand professions, and whose recommendations don’t include “just turn off of your phone or try not responding to emails”? Bonus points if they understand ADHD as well.

Hey fishes,
Are certifications important for hikes while switching companies?

Hi folks, my base location as per EY GDS offer letter is Noida but I want it to be Gurgaon as my hometown is in Jaipur and Gurgaon is more convenient for me.. I sent email to my senior manager and got response that you can use flexibility and work in any Gds office in India. However, I feel that in case my base location is not being changed, I should shift to Noida rather than Gurgaon as there might be any formalities or facilities which we need to avail in our base location only.. Any thoughts?

What kind of ratings are you supposed to give your counselee in LEAD feedback? Should be give one less than gold standard to everyone

Am I horrible wife if I don’t get my husband anything for his bday. I have no idea what to get it’s too stressful. He always gets me stuff.

Hi,
I need some career guidance.
I have 6+ yoe in business intelligence(Qlik), SQL. Self taught python up to oops/pandas/re.
What's the best direction to take my career forward and transition into a better domain if possible?
Should I do some DS/ML or cloud(azure/gcp) courses? If yes, suggest some.
I get calls for python but they demand scraping & webdev(selenium/bs/django/flask) which I have no interest in.
Can someone guide?
Also, what are the best BI roles I can go for & how?
Thanks

Hello fishes, One of My friend having 5 yrs experience as plsql developer role.
Skill set : Oracle sql PLSQL unix. CCTC : 9.5. I don’t know whether it’s a decent pay or underpaid. What would be the expected CTC he can ask for next company? Need ur valuable suggestions. Thanks

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Is it illegal to tell someone to get out of your car if your in a national park at night? What if the person made you feel unsafe and you wanted them out of your car, even though the location was a bit dangerous (ex Yellowstone, Smoky Mountains)?

Is the market due for a correction anytime soon?

The hours I’m working right now to meet a deadline are extreme, I’m only getting a few hours of sleep a night. How do you keep yourself alert during that final push?

Dow is looking strong for short term. Any views ??

Nifty reaching ATH but portfolio still at low 🥲

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

What stocks are you adding in this dip.

This bowl is for discussion , not for selling webinar or paid tips. One can share there experience which can help or guide others.

We all know how inflation can derail our Retirement Planning dreams!!Though it's better to start investing as early as possible,but HEY, all is not lost even if you start little late. We all have our family responsibilities when we start our career, so "INVESTING FOR SELF" takes a back seat.
Just a perspective, even if someone at the age of 45 years starts investin for his retirement, he can decently manage the same with discipline and regular investing.
Happy to discuss with anyone on this!!

Hello Fishes,

I am new to the investing world. I have invested some 80k in Nifty fifty index funds. I wanted to increase my investment in other MFs and stocks.

Can you advise how to start it considering short term and long term financial goals.

Short term goals - like for 2-3 years

Long term goals - like for 5-6+ years or more depending upon the performance

I have seen multiple you tube videos but seems to get confused on how to start and which funds to pick.

Thank you!