Which is better zero cost term insurance or chose a term and using the extra premium to invest and effectively make it zero cost?
Calculation shows the 2nd option is more beneficial

Would you accept slightly lower pay or no pension for a better 401k match?

For those with corporate banking expertise, how do you typically go about calculating debt capacity for a company?

"Stock Market Today: Dow Starts Week on Strong Footing as Energy, Tech Gain"

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

$DPZ 370c 3/27

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

To those who consistently invest in Bitcoin or other crypto, why? Genuinely curious into why you’re long term bullish about it. Debating adding it to my list of regular investments but can’t mentally justify it yet.

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

In HCOL areas like NYC, how much would you say is “Too much” credit card debt? Moderate and low amount also. Single , married or any situation.

Is blockfi only a bank and not really investing in crypto?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

1000$ rsu is equivalent to how much Indian Rs ?

#1) 1000*(USD value) or
#2) 1000 * Qualys stocks ( 130 USD)

Could you please clarify rsu calculation ?

What stocks are you guy guys buying right now in this market?

Is this the official Amex Fishbowl?

I am new to SD and I'm looking for recommendations on cute and/or unique bookstores to visit? Bookstores are my happy place and I would to know which ones I should be checking out!

What are the cheapest study materials to study for the CFE? I didn’t want to pay out 1k+ for the prep course from ACFE.

Current CTC 20 fixed. YoE 11.
An offer HSBC is in pipeline ( 28 fixed as per Recruitment consultant). Position offered is Senior consultant specialist.
However I know that there is scope of pushing the offer till 36. Any inputs on getting the offer to desired figure would be helpful.

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 🙂

I’m calculating a bunch of totals and averages by category on one worksheet by filtering data in different categories from another worksheet. However, when I change the filters, the previously..(cont)

How do I set the formula to calculate “If x falls between 1-10, return 1-10, if it falls between 11-20, return 11-20, and so on”

Hi ,

Currently how is the bench situation in cognizant ? does it have project openings for Java+ Spring Boot + Microservices . Any new Joiners with similar skill set please share you experiences like how many days does it take to get assigned to the project with this skillset.

I have joining in Cognizant this month end, Please help me with the info.

I recently left EXL Services in July month. It has been more than 60 days but i haven't received my relieving letter from EXL. They are still saying that it can take 15 days more. What could be done in this case?

Hi @Meta fishes! Interviewing for a M&A Finance Manager role and would appreciate any insights into the interviews, recruiting process and tips to succeed. Thanks in advance!

How do the titles/levels work at Meta within Business Planning & Operations (BP&O) / Meta Business Group (MBG)? i.e. Is a BP&O Lead above or below a BP&O Program Manager and what IC levels do they correspond to?

Will Infosys revise my offer letter if I will show them other company offer which is paying me more.
Infosys offering : yoe6+ SR. Consultant (5A)18lap with 15% variable

Guys please help me with 11 love on my profile to enable DM.

Has anyone successfully transferred offices within Texas? Dallas to Austin.

Hi Guys
Any suggession for last email. Jaate jaate dhamaka karna h EY m 🤣

Hi Fishes!
I just got an offer from Quantiphi Analytics, Bangalore
Role: Data Engineer
Salary Offered: 16 LPA (14 fixed)
Current: 5.7
YOE: 3
Could you let me know if i should join this company? Considering its a startup and the offer is more than I expected

How’s work life balance in forensics?

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

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)

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

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

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

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...

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.

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.

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

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

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

Hi folks,

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