use an advisor for dynamic asset allocation as your forte is your knowledge .so leave it to professional like me may cost some but few bucks are cheaper then losing principal in crypto or any unregulated asset class if interested@9302340643

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Newb question: I’ve heard a lot about never selling your BTC and borrowing against it. I like the idea considering I don’t have much. How exactly would that work?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

With the birth of a newborn, wondering if I should be putting money into a dependent care FSA. Pros/Cons?

Any REIT ETFs that people like?

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Those who moved nyc to nj- assm min change in rent, how much did you save on an avg cause of taxes etc.?

Any tax saving ninja technique??

Hi guys 👋🏻 Can someone please help me with the query below:
I did not file ITR for FY 2020-21.I had actually earned around 3,34,000 becoz I wrote master thesis for foreign students and I got online payment in my acc. So is that taxable?
If yes, then my total income will become 521121.

2ndly, whats the penalty for late filing ITR?

Thirdly, I left my previous job on 02 March, 2021, so I received the Feb 21 & March 21 on April 2021. So does it come under FY 2020-21? OrFY 2021-22?

Thanx guys

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

What do you guys think about future of NFTs on smaller chains? Thinking primarily about Avax and SOL. Do you they think will blow as well when people understands there are alternatives to high gas fees on ETH? Or will everyone stay on ETH because there where the mainstream is?

Any recos for a fee-only financial advisor that’s under $300/hr? Need to understand sole proprietor/small businesses.

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

Im moving from core Auto product management role to software development product management role.
Can you please share what should I read to brush up basics on SW PM?
Courses, books, blogs, anything is welcome!
Let's make this group a little active!

Hi All,

Say you have an offer for Senior Test Engineer and SDET (not senior).
Compensation is same. Both the companies are good.

Given the narrowing boundaries between testing and dev, which position is better in the long run? I thought it'd be SDET.
But, I'd like to have expert/experienced opinion.

Currently going through some negations on an internal role. I’m currently at 88k and they offered me 100k for a position that requires a lot more work. Do you guys think it’s easier to land a higher salary when applying externally rather than internally? Also this is for a territory sales management role. They stated 120k+ is extremely high for that role. What do you guys think? Playing the game?

Books recommendations during this time?

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

For those of you without a home office: Where do you usually work? My desk is in my bedroom and I’m considering sacrificing aesthetic to move my set up elsewhere

Question that could belong here or in the Relationships bowl:

How do women prefer to be turned down if the guy they’re pursuing is not interested. I know men have the capacity to deal with rejection poorly, and I’m not suggesting otherwise. But in my anecdotal experience , women take the gentle “no thanks, not interested” poorly.

How to promote the automation culture and documentation culture? I find it hard to give boni for automations since
a) the amount of automations isn't the amount of saved time
b) the amount of saved time is hard to be tracked for a single automation

And how much everyone hates documentation is well known.

Does anyone know better metrics or good incentives?

Message me if you need a referral to PwC cybersecurity, financial crimes, or regulations. Please no noobs. Only experienced professionals with at least 1 YOE

is anyone familiar with pay differentials, negotiating for a temporary raise or some other form of compensation for extra work? 3 coworkers on my team have recently resigned, and certain shifts are being expected to work at half staff until new hires can be brought on. if my workload is being doubled, i expect to be compensated, as they are paying one employee to do the work of two. any suggestions or wording on how to address this?

See the George Floyd trial verdict will be announced in the next hour.

How are you counseling clients around this? Or, are you not counseling clients on this?

Curious to hear from the bowl.

Just raised my first snapshot.
We can't see the review?

Hi all

My joining will be on 19th Dec for Bangalore location Prestige Trade Tower. I'm looking for guys who need room partner. I'm ready to spend 10-15k for sharing in a rented apartment/house.

Please let me as soon as possible. Thanks

I can still opt for Pune location if somebody living in Pune.

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

I am joining Deloitte India next week and I have received a mail from the recruitment team that I have assigned with a "Buddy" from Deloitte to help me guide through the beginning.

Is this a normal thing in Deloitte/Big4? What is the significance?

For the introverts, how do you (politely) set an expectation that you don't want to attend team hangouts beyond once a week? Current team dynamic is sensitive so prefer to avoid a direct convo.

Hii ,
First time investing and hence I did some research on investment and planning to invest 40k in the below fashion.
10k-ELSS 10K-Equity MF 10k-Debt MF 4K-NPS 6K-PPF . Is it fine or any suggestions are welcomed. Also if anyone can suggest me which ELSS or mutual fund should I select considering the current market scenario

What are some of the investing must-reads that you'd recommend?

If I invest 50k in NPS, I would save 7k this year as per my tax calculation. Is this a good deal? In general, I don't like such long term investment, maybe I'd start that when I'm 35 but not today.

At what monthly take away you guys took a home loan? Also, does the home loan includes cost of the plot?

I wanted to get your thoughts on the following:
1. Health Insurance for your parents (assuming they are 60+)
2. Term life options for myself (under 30)

I recently went through a medical family emergency and realised how important insurance is. Any suggestions will be appreciated.

If anyone is interested in investing in crypto, I’m running a kickback campaign on Vauld, where both, you and I can reap benefits. You could also FD your crypto investments at interest rates as high as 12.68% for a few tokens.

Comment here or DM me personally if interested to talk further. Note that this crash is a great opportunity to enter. 😊

What platforms do you use for your investments?

I use Zerodha for brokerage and Kuvera/Coin for MF investments.

Is it true that stocks bought and sold are visible in form16?

Anyone into option selling ?

Has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

Which crypto coins are you putting your money in?

My wife and I use a joint account for managing our monthly expenses. Can we both use UPI IDs linked to this account on our respective phones ?

Is it good to invest through fisdom app in mutual fund or suggest better way

I’ve recently learned about invoice discounting and want to understand how good or bad is it from short term investment perspective. Is there any other instrument that I can look for apart from stocks or liquid funds?

Hi, I am new to investing, i am looking for mutual funds where i can have a long term investment. I and ready to invest 10k per month in SIP's split accross multiple funds. Can someone provide me suggestions

Welcome everyone. I hope to keep this bowl clean of any promotional content while discussing ideas to grow our wealth together. Please share the group link on your company bowls so that we can get good participation and useful insights...