What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

Hello folks,

How does everyone save tax
I'm aware about 80C, nps and home loan interest.

Anything else?

Quick question: Can we ask HR to revise pf contribution to minimum which is 1800/month

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

Does it make sense to forgo an admission offer and reapply next cycle for a shot at more scholarship money? The max I got for this cycle is $40k, and I don’t want to spend $140k out of pocket...

Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

Fish friends. I live in Kansas but am starting a new remote job working with a company North Carolina. Are there any tax experts out there who know how to not get screwed by how I manage my taxes with this new job?

Anyone here invested in any cyber etf? if yes which one is it?

Guy slid into my DM’s asking to be my sugar daddy. But he wants my PayPal info to send me money. Is PayPal a safe way? Also lol what is my life 🤦🏼‍♀️

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

Hi Fishes,
Need help with a tax query.

I am earning 85k/month now. Thinking to purchase a land of around 15L, not just for investment but to build our own house on it in future.

Though I can somehow manage it without taking a land loan. But I was wondering if I can take some to avail tax benefits.

So my doubts are - Can I avail tax benefits (like home loan) before construction? If I take the loan just to enjoy tax benefits then how much loan should I take at most? Have only ~68k EPF in 80C

Got my first pay check! Trying to understand all the taxes on it….Are state taxes on my gross amount or do the federal taxes i pay get deducted first then state taxes on that amount?

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

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What’s something you learned when you bought your first property that you didn’t previously know?

Has anyone here used New Western to buy real estate deals?

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

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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)

Hey fishes. I have been offered Management Consultant role with CTC break up in terms of JB, RB, fixed and variable. So is the fixed amount my gross salary without any other deduction except TDS, or will the organisation contribution to PF be also deducted from the fixed component? Also, will claimable components like LTA, mobile bill reimbursement etc. be in addition to this fixed component or will they be included in it?

On an average I see people being promoted to data scientist from senior data analyst in 1 year
Is this the correct trend? Tiger Analytics

Hi everyone Kindly let me know which is the best out of these two
YOE: 11
HCL -- 32(includes everything)
Publicis Sapient -- 33
Heard lot of firing in PS and about WLB.
Need company which has better WLB, job security and growth

Hello Everyone
I have a offer from pwc for senior associate role for 6 yoe, I have another offer as well.
any suggestions pwc revise offer or match the ctc of another company.

Hi all,

Are there any jobs related to Finance BPO/Generals accounting/ Record to report process in Indore ( M.P) or are there any companies related to this field who are providing permanent work from home??

Big nerd alert - If you tell me your 1. Gender 2. Current city 3. City of birth 4. Religion 5. Race, I can guess if you are a Democrat or Republican to a 98% accuracy level.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

Anyone did a H1B transfer recently using premium processing ? Trying to understand timelines

Is Infosys has some policy of 70% in 12th and graduation for experiance candidate also?

I joined pwc last month, and absolutely hating it here. Each weekend has been working, 12-15 hours work day is minimum expectation. And there's extreme hierarchy, where even after you spend 24 hours working on something, the director decides he wants something completely different and you delete and restart. (Note that you request them to review and give their pov earlier on, but they never take the time out)

Congratulations!! You are getting that email, call and a meeting to announce the highest salary you have ever received in your career.

How early is too early to ask for a raise?

Is it just me or is the world moving further backward in IT literacy? I am now up to 15-20 incidents a week that are legitimately resolved by turning shit off and back on. You have ruined our ONE joke

I am hiring for #bigdata engineers with 2-7 years of experience with strong hands on #hive, #spark, #SQL, java/python. Please connect to me if interested.

Hi all I'm looking for an opportunity I have experience of documents review on relativity with 3yrs and also looking a switch in kyc aml..

I'm searching for SAP Security openings for 3yrs experience.

is it allowed to bring in outsiders e.g. parents, friends to the office for a visit as allowed in companies like CISCO, VMWARE, ETC. ETC.

Received an offer for equity research and IB, both in toronto. ER paying $120k base and my understanding is that bonus can be around 25-30%. IB is paying $105k base but likely higher bonus? Which one would u choose if you think you would be good at both

Public finance exit opps?

Interesting all the noise about these PPT, my take:

The pandemic took all the upside of an IB analyst life (client meetings in person, fancy trips, suit up, worshiped at networking events) and left all the juniors with the downside (long hours, monkey-like type of job, aggressive work environment).

Not that the complaints are not sort of legitimate but you may need to revise the decision-making process that led you to accept a return offer. Specially if you were looking for less hours.

DB ECM - does anyone have a view?

Thoughts on PJT strategic advisory?

How do you find out who’s “top bucket” and who’s not? Do they disclose this? Also how do you become one?

does anyone have experience exiting after 1 year? any vengeful MD stories? my MD knows a lot of people and i’m scared if i interview or exit to one of these places that he has a connection at he might try to mess with my career...

Any staple brands for a first year analyst’s wardrobe?

Would tech ib (m&a) be more affected than say Healthcare/pharma ib in an economic downturn?

Left IBD to quickly - VP1 opps?

Long story short - was lured into an opportunity to do BD for a large PE PortCo… better work/life balance, but honestly miss the deal cycle.

Anyone know of open VP1 opps right now?

Quick background - former MM banker (think Raymond James, Piper Sandler size) doing FinTech and Asset Management within FIG, but also open to other sectors.

Thanks!

Any recommendations on brushing up on PowerPoint?

I want to be a client instead of an investment banker. Where do I sign up?

What are realistic expectations for 3rd Year Analyst / Direct Promote Associate bonus range at a BB? Note that at MS, 2nd year bonuses in my group last year were 90-115K, while MBA associates received a pro-rated 90K stub (~40k). Personally would be pretty unhappy to take a pay cut between 2nd and 3rd year…

Just signed an offer and moving to Chicago in about a month. Unfortunately, I don’t know anyone there. Any best practices for finding roommates?

Is breaking into equity research/coverage teams as hard as breaking into traditional advisory/M&A IB being from a non target school with a non finance degree?

Looks like some bonus numbers are coming out for bankers, would appreciate any insights!

Anyone at Goldman in Portfolio Construction/Liquidity/Fixed Income that would mind chatting with me? Have an interview coming up soon.

Is 36 too late to join IB as an associate? Alternatively, can stay in my industry (not banking) as manager.

Any thoughts on BNP M&A in nyc