Hi GV, Hyundai IPO opened today
Are you planning to apply?

I'm 26 years old and married. I'm having 4 YOE. I'm thinking of buying the flat in which I'm leaving as a tenant. My current rent is 6k. The flat would cost up to 22L.
I've 5L as cash flow.
Should I pay it as a down payment and take a loan 15L?
Any suggestion would be appreciated

I have been working there full time. Still they aren't able to pay for last 5 months. Whenever I ask them about salary, they justify it by saying that they are trying to get funds, but to get the funding we need to create the product first.

To take care of my family and myself, I am working as a freelancer in the freetime. I don't know what to do?

Please suggest your views on this.
Thanks

Hey all! I built a tool to help make sense of short-term investments. It’s useful for goals like emergency funds, vacations, or anything short-term and you need a clearer picture of returns after tax and penalties.

The tool’s pretty simple—two tabs: one for projected returns and another for any charges/taxes. You enter your numbers, and it shows which option might work best for your specific timeframe. I made this because, honestly, I have seen a lot of people end up either chasing high returns (not always a good idea) or choosing FDs by default without realising that there are better options.

If you’ve been looking for something like this, you can check out the link in the comments. Any feedback, good or bad, is welcome. Happy to answer any questions.

Just a question for everyone. If you were given 30 crores, would you try to lead a selfless life like mr ratan Tata did ( start giving back to people), or would you keep the hustle up and work towards 300 crores?

Please suggest term insurance policy would be good

I received this email from ClearTax saying there is a discrepancy on my ITR filed in July. But when I logged into the ITR portal it says filed successfully. There is no notice on the portal.
Is this some marketing gimmick from ClearTax?

Anyone has any idea? Appreciate your help thanks.

Screenshot 1: Email I received from ClearTax
Screenshot 2: ITR status on the ITR official portal.

If you don’t have 2-3 lakhs of monthly savings to invest in stocks
1. don’t get into day trading.
2. don’t get into f&o
3. don’t get into commodities
4. don’t get into ipos
5. don’t get into bonds
6. don’t get into SGBs
7. don’t get into debt funds
8. don’t buy courses to learn trading.

What you should do, start a sip into an index fund. Slowly learn about different aspects of the market.

But upskill yourself to earn a lot more. Spend your time learning a new skill, figuring out how to grow in your career.

Investing 5k in a stock tip will not make you rich. It will only make you dissatisfied and regret not investing more. It’s only going to get you demotivated.

Just stfu, index whatever money you have, save yourself a lot of time and invest that time in learning and experiences.

Your Welcome!

Regards

Guardian of the stupid’s!