Please share your advice and guidance.
Hi All, I am an IT professional with 3.3 years of experience.
Stock Portfolio Amount invested - 12.7 L
Swing trading capital - 1.6 L
Education loan EMI - 9k per month
Started my career with 28k per month salary, current salary is 45k per month.
Working from home, i tried my best to live frugally and invest as much as possible.
The EMI is problem for me as I see it as a liability.
My dad wants me to buy a flat worth 50L on a home lone but I have refused.

How much money do you have saved up?😳

My direct report expensed Cal Bar late fees assessed for reporting MCLE credits late and for paying the bar fee late. It’s around $190 extra. I don’t care about the money (it’s not mine) but I think this is principally wrong to ask the company to cover it. Thoughts on this and how you would communicate it?

What is the future value proposition of the 401k Advisor in your opinion?

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

Okay, who here was smart enough to put in $80 limit buys?

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

Desi 🐟 fam - What apps are you using to make payments in India using US credit card?!
I use Wise for money transfers and other payments using debit card but i want to pay with my credit card and wondering if there's an option for that

How do first rights (ROFR) work at ones death? If the company has the right to shares anytime there’s a transfer of possession, does that mean the inheritors have to make an offer to the estate for the shares and obtain the boards approval/rejection of the offer?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Any thoughts of investing in gold or gold related instruments?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Any thoughts on why ETH is fluctuating so much?

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

What’s the fastest WI-FI provider in Austin? I have Spectrum abs it’s not fast enough for my house of 5

25M -
Looking for a single room in a furnished flat khardi. Budget 10-15K Location: Kharadi or nearby places.

Requirment :-
**Pure veg cook**
Alcohol No problem....
No smoking .....
Open society.....


Any leads will be appreciated. Thanks!

Hi everyone! I’m pivoting from working in politics in search of a role in DEI. I have 1.5 YOE managing multiple campaigns and a BA in Global Studies & MA in Ethnology. I have experience working in and with non-profits and a passion for people and culture. I’d love to connect to hear about your journeys & advice for an early career transition!

Favorite TED talks? Medical or otherwise

Anyone have CPA recommendation in ATL - specifically need help handling RSUs for pre IPO company.

Join any dam company in world but dont join lala company HCL. Worked there for 20 days only last yr and 1year later i got my relieving letter after multiple tortures of legal notices for not serving notice period even though when they themselves released me.. from 160k to 0 that i paid them. I could easily sue them for harrasment but i didn't wanted to get involved in useless sh** and waste my time and energy .. BEWARE OF HCL

For those of you who made your first million in net worth, what did you do next?

Tips for doing a first stock pitch? I have a good grasp on what the company actually does, business risks, main competitors. How much do I talk about valuation, and what should I really be mentioning or focusing on here?

Car collision repair shop recommendations? No idea where to start. 🫠

Hi Fishes anyone here working in ADDA project

I work part time for a startup for equity and am attending an event on behalf of the startup. I’ve only been here a few months and asked multiple times to have a prep meeting with my boss. He instead sent me a 15 page document outlining 40 questions I should be able to answer the day before the event.
I’m so incredibly stressed as I don’t want to show up unprepared and make myself look bad. Idk how to make light of this situation at this point

This strike at Facebook is messing up my numbers. Has anyone else been in a situation like this? They were a major source of work for me. What can I do? I really need advice.

American airlines 🤯🤯🤯 💰

I’m a creative account manager in retail/eCommerce. I was a creative producer before being an AM.

I’d love to move into tech but I’m not sure how my current creative experience would transfer into tech/at what company. I know there are creative producers/art producers in tech, but what’s the equivalent of a tech creative account manager?

Anyone have experience working for or with Brookfield Properties? Specifically their retail group.

We are building a SaaS product for product owners to make informed decisions on product strategy and improve product roadmap process using data science and NLP. We are looking for pre-seed round.

I had final round interviews last week for the company I really want to work for. I have an offer from another company, which I communicated to the recruiter which expedited the interview to final rounds. I need to respond to the other company's offer letter soon. Should I follow up with the hiring recruiter for the company I want an offer from? Or just move on if I haven't heard back by end of this week?

Hello fishess, to join in wipro passport is mandatory like they mentioned in onboarding as my previous organisation(payroll company) it is not mandatory so i dont have a passport and my joining date is april 28th

any suggestions what to do

Praying no one brings up the election in our team meeting today.

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

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 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.

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.

Best app to track expenses?

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)

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

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

Hi folks,

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

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

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.

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

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,
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

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

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...