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From penny-pinching to investing, let's talk money moves that would make Warren Buffett proud.

Personal Finance

I'm curious to know how others manage their finances. I used to have a monthly take-home of 1.75 lakhs, but it's now around 2.1 lakhs. Out of that, I allocated 70k to SIPs and 30k to stocks (through a small case).

On average, that's about 57% of my monthly income going towards investments. My current portfolio size is around 33.5 lakhs.

Let's share our investment strategies! How do you allocate your income between savings and spending?

How Much Do You Invest?

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News

#NoIncomeTax
4-8 lakhs: 5%
8-12 lakhs: 10%
12 -16 Lakhs– 15%
16-20 Lakhs- 20%
20-24 Lakhs- 25%
ABOVE 24 lakhs 30% 
Important to note no income tax payable up to 12 lakhs
  #Budget2025

Comment down below your thoughts 👇

Zero Tax on Salary Up to 12 Lakh !! 😍😍😍

Show me the money! Let's talk compensation and hustle.

Salary Discussions, Hike & Promotions

Hi,
I have had a first round of interview with the company. And mentioned my salary expectations as 15- 20% from my previous LPA. But after that I feel like I have undervalued my expectations. Being in the field for 9 years with the required skill, considering the market and the prospect company is a well known builder, i should have asked more. Anyway a face to face interview is scheduled next week. How to ask them a higher salary from what I have mentioned earlier. And how much I can ask more. 

Please help.
Thanks in advance.

Salary Negotiation in an interview

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Career Advice

I'm presently working with Cognizant at a package of 5.08 LPA remotely with almost 4 yrs of experience in  Service Desk.Recently I've received an offer from HCL as a Senior Analyst at a package of 7.2 LPA in Service desk domain but it would be 5 days work from office .

I feel that the package is a bit low in HCL as I would be working from the office all days of the week.And also I might be due for promotion in Cognizant in March 2025 which might raise my package to 7 LPA

There's also a 12 month service-bond agreement with HCL

Kindly advice on what I'm supposed to do
Thank You

Switch to HCL or Stay in CTS?

DeepSeek claims they trained their AI model for under $6M, but that price tag seems way too low. Here’s why people are skeptical:

# Not Really Open-Source  They released model checkpoints and inference scripts, but the training script is missing. That’s a big red flag.

# Did They Train from Scratch? – Unlike Google, Meta, and OpenAI who spent billions training models from raw data DeepSeek may have borrowed data from O1, tweaking it instead of starting fresh.

# Paying Only Half the Bill?  Another theory? They underreported costs. Maybe their small firm only covered a fraction while their parent company (with 50K+ GPUs!) handled the real expenses.

Ironically, Big Tech trained AI using our data without consent. Now DeepSeek might’ve done the same just using their data instead. A case of “you reap what you sow”? 🤔

http://nauk.in/zyRGN4l6

DeepSeek's "Budget" AI  Innovation or Just a Taste of Their Own Medicine?

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Day to Day Office

Okay, here’s my confession... 🙈

A few years ago, I needed approval for a reimbursement bill, but I was in a rush and knew my boss wouldn’t be around for a few days. So, I took matters into my own hands and signed my boss’s name on the approval form. 😬

Honestly, at the time, I thought it was no big deal – the paperwork got approved, I got my reimbursement, and it was all smooth sailing. But now, looking back, I realize how immature and risky that was! 🤦‍♂️

I didn’t get caught, but it was a total “what was I thinking?” moment. Anyone else ever pulled off something like this in their career... and got away with it? Or am I the only one who still cringes at this? 😅

#ConfessionTime #CareerMistakes #WorkBlunders