So this fy (2023-2024) I made around 14L through my online business, I know I have to pay taxes but dont have a clue on where to start or what to do.
I have a CA who has been filing my gst return since the last few months btw.

So imma start by saying I’m terrible with money. So much so that I’m living down by the river in a van. 5 year goal is to buy property in Uruguay, 10 year goal is to gtfo of USA.
But I have a job with easy OT access and no rent. Currently I have 36% of my income going into a 401k. 12% pre 12% roth 12% post tax. (Yes I know that means 24% post tax because Roth is post tax, but growth isn’t taxed in Roth and is capped at 23k/yr) rational behind this is the 24% in trad/roth won’t be touched if I left my job, while the 12% non tax advantage account will be for emergency savings.
I’m working 50hrs/wk, paid 55/wk. minimal expenses are ~150/wk. beyond that everything is fair game. After taxes and other benefits like health insurance that leaves 400/wk above the 401k contributions. Should I increase my 401k contributions or what? I need it to be somewhat harder to pull this money out, otherwise I will spend it frivolously.

Hi, I am from the Philippines and my boyfriend is from Singapore. He recently got promoted but needs to move to the UK. I can travel to Singapore easily since it doesn't require a visa and the tickets are affordable. However, it will be difficult for me to visit the UK because I need a visa, and I'm not sure if my application will be accepted since I don't earn much.
I can travel to Singapore because I have previous trips there, and since it's expensive to fly to the UK, I'd want to stay for a month if possible. If anyone has been in a similar situation, I would greatly appreciate any advice on how I can migrate to the UK or get a visa. We're not engaged, so I don't know which type of visa to apply for. I'm considering working or studying, but the latter seems expensive, for working, not sure if this make sense to share it but I graduated Psychology, currently working as a VA, got a small business and still preparing for BLEPP. Any thoughts and advice would be greatly appreciated.
TL;DR: My boyfriend, who is from Singapore, is moving to the UK for work. I’m from the Philippines and need advice on how to migrate to the UK or get a visa, especially since we're not engaged and my income is low.

Hi, I am from the Philippines and my boyfriend is from Singapore. He recently got promoted but needs to move to the UK. I can travel to Singapore easily since it doesn't require a visa and the tickets are affordable. However, it will be difficult for me to visit the UK because I need a visa, and I'm not sure if my application will be accepted since I don't earn much.
I can travel to Singapore because I have previous trips there, and since it's expensive to fly to the UK, I'd want to stay for a month if possible. If anyone has been in a similar situation, I would greatly appreciate any advice on how I can migrate to the UK or get a visa. We're not engaged, so I don't know which type of visa to apply for. I'm considering working or studying, but the latter seems expensive, for working, not sure if this make sense to share it but I graduated Psychology, currently working as a VA, got a small business and still preparing for BLEPP. Any thoughts and advice would be greatly appreciated.
TL;DR: My boyfriend, who is from Singapore, is moving to the UK for work. I’m from the Philippines and need advice on how to migrate to the UK or get a visa, especially since we're not engaged and my income is low.

Question aint for me but a friend - no joke, they won`t pay for a tax lawyer and I`m a member of reddit so asking for them on this sub. I asked a lawyer I`ve had some dealings with but he said he won`t give him free advice.
He`s working in the English industry and hit a very bad patch during the Covid pandemic in terms of loss of income and had help from their parents in Australia. His income dropped to well below half of what it was and he was given the runaround for the 1 million yen payment for those in better financial circumstances than him. Had outstanding health insurance and was denied the payment tho it wasn`t given by city hall.
Basically his parents sent money each month for about two years to help cover his rent etc because his savings were getting very low and the assholes at their local city hall insisted he pay his full residence tax and health insurance tho his income dropped like a stone. He was literally not eating sometimes because of that and I bought him groceries before he swallowed his pride and asked his parents for help.
He ended up getting around 1.1 million yen in the currency exchange in total from his parents spread over around 2 years. He got the payments thru western union and never declared them on his tax filings. His job income during that time was between 1.7 million yen and 1.5 million yen. Now he`s been asked by his local tax office - not city hall - to discuss his tax filing from those years. Should he have declared that money from abroad - he said it wasn`t a gift but expenses money so he didn`t have to.
Anybody know? I`ve got a feeling things are going to get complicated for him, anybody know what he can expect?

My boyfriend earn money by accompany rich ladies in the bar and take commissions by orders of expensive liquors. My income is OK to keep my life, but still he earns a lot more. He has a shitty family which rely on his income. however very little care for him. But he is a nice guy and we have been together for 2 years. It all started when he suddenly told me that he wants to make me feel safe and started to transfer nearly all his salary to me and say I can do what ever I want with this. I said no but he looked really unhappy like I broke his heart and refuse to be more intimacy . So I told him that I`m keeping the money for him. But it is a large quantity, and its getting larger with time, i feel so much pressure that I can barely face him.
The thing is, we are not married, and even so, i think we should handle our own economy status, its like I`m having a responsibility that doesn't belong to me. And he think this is to keep me safe!!! Need advice!

**TL;DR;** : The thing is, my boyfriend is letting me have his money, he thinks it to keep me safe, but i dont think so. we are not married, and even so, i think we should handle our own economy status, its like I`m having a responsibility that doesn't belong to me. Need advice! 

I got my PhD in Switzerland recently (near Zürich, so an expensive area) and a job related in a highly technical field - Aerogels. My employer and the team are lovely people, truly nice. However when I got employed I did not negociate (according to my boss it is not normal to negociate wage here) and got offered a 60% position only. So I get 77k raw salary per year, but in the facts I earn 3.7k net/month, so less than during my studies... What can I do? I tried to ask for a raise during my mid-probation period interview because I misunderstood 77k would be for 100% AND before taxes. As of right now I can barely survive and investing/putting money aside is out of the question.(2k for rent + transportation with commutes, 400 health insurance, 150 internet and phone, 600 food/cat needs, and the rest for emergencies, helping my grandma, buying clothes, etc...) My boss also told me they don't do yearly raises as that is too much of a hassle and only leads to tensions. The company is a small branch (we are 5) spin-off from a market leader in the field of insulation so it's not like there is no money imo.
Is that normal and I am being a dramaqueen or should I skidaddle asap?

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For those interested in deeper insights into the OMNIA Protocol, the token IDO page provides comprehensive information about the project’s trajectory and offerings.

About OMNIA Protocol

OMNIA Protocol is a decentralized infrastructure provider specializing in secure blockchain access. It ensures no single point of failure disrupts blockchain applications or wallets. The protocol also offers rewards to users hosting and maintaining nodes, combining DeFi principles with a robust infrastructure to deliver a unique value proposition.
OMNIA’s secure and reliable infrastructure is underpinned by thousands of nodes worldwide, utilizing geolocation-based request routing, multi-cloud approaches, and data integrity checks to ensure maximum performance and resilience. Moreover, OMNIA is the first blockchain infrastructure provider to offer real-time protection from illicit activities, reinforcing its commitment to privacy and compliance.
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I am about to receive an additional £81k with my next PAYE payslip, as my employer's parent company is being bought out and I'm being paid a high price for the shares I was granted as part of long-term incentive plans (LTIPs, Options, RSUs...).
Obviously I'm going to immediately lose >40% of that money due to PAYE tax.
I also will need to do a self-assessment next year for income from this year.
I'm wondering, is there any way I can minimise the tax burden? To be clear, I'm not talking about daft immoral or unethical things like stashing money in the Bahamas; I just mean straightforward, more normal things.
I'm married and didn't use my 'family gift' 3k last year, which I believe means I can give 6k to my wife. I know I could also immediately max out my ISA allowance. But will stuff like that make any difference?

My husband makes significantly more than me, but he also pays alot in child support and health insurance for his kids.
Would it be worth it to file as married filing separately so that only my income is considered when calculating payments and so that he doesn't have to be responsible for paying my student loans? He doesn't have any student loans as his family paid for him to go to school. I've been paying on mine for 20 years already.
Should I amend last years tax return to married filing separately? We filed jointly because I didn't know any better.

Hey! I'm Andrei, the founder of Inspo Stories.
Inspo Stories is a deep dives blog about successful apps, saas and business in general.
Let’s begin with an interview!

How did you started?

I first created bulkai (Bulk image generation) to generate pictures to create a card game for my kids. I have always loved working on side projects. 2023 has been particularly special. I created a few open-source projects related to AI and automation that together reached 200 stars, a significant increase from my usual 0 to 5.This success led people to contact me with questions and feature requests. I made some valuable contacts through this and shared great ideas with others around the world.
Inspired by one of these ideas, I decided to create automation tools that could generate passive income. I was skeptical at first, only pursuing it because I enjoy developing such things. Surprisingly, it ended up generating much more income than I anticipated.
This experience has motivated me to continue #indiehacking and investing some of my free time in side projects. I'm always looking for things that I enjoy, but now I'm also exploring this newfound opportunity for additional income.

What are the main places to sell AI stocks? Which one works better?

There are many stock image stores, but only a few accept AI content. Here are the three stores I have worked with:

• Adobe Store: It is by far the best in terms of functionality and payment.
• 123rf: It works decently, but the payout is quite low compared to Adobe.
• Freepik: Nice functionality, but the payout is by far the worst

What's your 3 skills which give you insane advantage?

1. I have very high technical skills, which make me efficient enough to work on side projects despite having a time-constrained life (9-5 job, family, kids, etc.)
2. I apply lateral thinking to overcome problems and issues, which helps greatly in avoiding development roadblocks.
3. I'm organized and methodical. I invest time in keeping records and taking notes, which are invaluable when I need to bootstrap new projects or solve problems. I have a huge personal database of source code and guides that I can reuse.

Read a full article here on inspostories
Information you will find there:

• How long does it take to earn $100-200/month working 2-3 hours a day?
• Which tools are advantageous? Can MidJourney suffice, or is a server setup necessary for bulk image processing?
• Tech part. What are the key insights? Over 500k generated images
• is there still room to start selling AI stock images? Will this opportunity last for the next 2-3 years or more?
• What's next trends to get into?

Hi, my concern lang po ako. Sobrng naanxious ako sa maging result ng credit check ko. Nkapasa po ako sa company and one of the pre employment requirements is ung background check. Bothered po ako kase I have financial difficulties since nalay off ako and nahohospitalized mother ko n wla ng HMO. Ganun po ba kahgpit si company? I can't have paymemt atrangement pa kase need din ng png down dun na ndi po sapat ung meron ako since ongoing ang ibng bills amd wla akong income na iba. Anyone experience this din po? Pano nangyare po? Any advice po. Badly needed this job po.

So I (27M) have been offered the option to purchase my grandparents PPOR valued at $950,000 for $700,000 as they're looking at end of life/aged care. I’ve been offered the property to prevent it being sold out of the family & to raise funds for a more comfortable end of life. It will not be a direct, “free” inheritance.
I am a permanent employee and my base yearly income is $150k - non inclusive of OT, bonuses or super, I have about 80k in a HYSA, $55k in a diversified stock portfolio & no debt.
I am wondering if I'd need to contribute a cash deposit on top of the $250k equity via purchase price/valuation as I would prefer to keep the $80k liquid in an offset.
Are there any negative implications tax wise/any "gotcha" traps I should know about before proceeding. Obviously I'll be talking to a financial advisor closer to the time but would love to get an idea of how this works, what to look out for and questions I need to ask.
Thanks.
Edit; More information.

Hey everyone. So I just figured out something At the age of 28 and lots of therapy I am low contact with my mom and live countries away from her (good for me) So, the realisation is SHE WAS JUSTIFYING MY ABUSIVE BOYFRIENDS ALL MY FUCKING LIFE And obviously because we were so “connected” (she just instilled unhealthy bond with me to control me) I listened to her advice a lot about men About relationships And recently I got into a shit relationship Which I want to get out of badly now But literally am in a foreign country and don’t have a fully stable income yet (halfway there, earning, but no enough)
So, recently we talked with her and I say something about going out with my male gay friend and how I need to make connections with other people and make friends and support network The question she has? “Is your boyfriend okay with you going out with men?” Yeah, I know, wtf?
But it’s not even about these unhealthy boundaries It’s about her asking me if I’m doing something wrong in a relationship Where I was PHYSICALLY ABUSED cheated on mentally abused manipulated and the person is just a horrible fucked up man with shit tons of anger issues And SHE KNOWS ALL THAT DAMN WELL Like, is it really the question that comes to your fucking mind first time your daughter says she’s trying to make a safe net of people for herself to escape abusive relationship? wtf is wrong with you She was justifying the behaviour of my men so many times. I stayed longer and listened to her bullshit on how I need to work it out when I was literally treated like a doormat. A fucking normal mother, first time she heard I was screamed at, physically abused, would tell me to gtfo of there and to help me as much as she could. Not “WHAT DID YOU DO TO MAKE HIM THAT ANGRY?” Or “DID YOU SAY ANYTHING WRONG TO HIM?”
Is it a common thing in narcs? Have you guys experienced that?
God, I was doing so much better and was blaming all these issues in relationships on myself thinking how can I improve. But then talking to my mom and receiving her “advice” for millionth time made me realise that SHE played a huge fucking role in my failed relationships and in me giving chances to abusers. I swear I could’ve done a better job if I was alone without her advice.

Hi! im currently kasi choosing between either pursuing masters in australia or language school japan and focus on language certification while maybe teaching on the side.
I have sponsors and relatives in both countries kaya medyo nakakagaan. Im currently processing my papers for australia and since higpit ngayon, I want to ask lang if ok pa ba yung going to Japan as a backup incase ayun.
I’ve always wanted to study after my visits and sadyang I didn’t decide to pursue since long term goal na pr is harder there. My relatives there are inviting me to teach and na-open ko rin naman yung willingness ko sa parents to study the language. I’m opting to study muna kasi para maging open yung job prospects.
I guess gusto ko lang malaman if it is going to japan is still a ok in the sense with economy and the prices of goods? Especially if mag-part time siya (will be staying with relatives too!)

We dated for 2 years. She loved tattoos & maybe had 6 tattoos when we were dating. TBH, I never liked tattoos but I don't judge people's for having it. Once we had a argument on a topic that she had a tattoo right over her vag*na written as " Jame's Property" ( James is my surname ). She said she had done this for me. I appreciated her but also I told her it wasn't necessary. I told her she doesn't need to show her love by marking her body & I love her for being herself. She took it offensively & started to argue with me saying I don't love her & I don't appreciate her efforts for our relationship. He had an argument but was able to solve it & pass through it.
Then she asked me to have a tattoo of her name in my neck as her birthday present. She knew that I absolutely hate tattoos & I do participate in blood donation events so its a big no from me. I told her she can ask anything but I won't have any tattoo. She again started to argue with me but I was farm with my decision. Then she lost it. Called me names, shouted at me & accused me for using her. I couldn't believe what I was hearing from her at that moment. I realised our relationship was getting toxic. I wanted to end it but wanted to give it another go because I loved her. To my suprise, She broke up with me saying she can't be with someone who doesn't love her. Before I could do anything, I found myself blocked in her every social media.
2 years passed since then & I'm in lot better position right now. I'm doing really well & I'm earning a fair income too. I gained new hobbies. I met new peoples & became friends with them. But last night, I got plenty of messages from my ex asking how was I. I wasn't expecting this cause I almost forgot that she existed ( because of they way parted ways ) but I didn't reply any of them. In Mid Night, I get bunch of calls from her but didn't pick any of them. In the early morning, she again called me & was sending me messages continuesly. Finally I picked her call & she said we need to talk. I told her what & she Immediately said she made a huge mistake by breaking up with me. That she misses me & she wants me back. She also said she won't force me for anything again & will try to remove those tattoos if I want. I was listening her but for some reason I didn't feel anything. Its maybe because my life became more beautiful without her in this 2 years & I don't want to sacrifice it. I just said " Fuck off & never try to contact me again". Then I blocked her.
Don't know what I did was right or wrong but I shared it with some of my friends today. Some of them said I did the right thing, some of them said I was extra cruel on her for saying it because she was trying to get a chance to fix our broken relationship.
AIW?

1. Financial calculator India Features
2. calculate Bank related schemes:
3. Loan (find emi, rate of interest, loan term, loan amount for variable or fixed interest rates)
4. FD and RD calculators
5. interest rates of scheduled banks

• Government schemes
• PPF (fixed or variable interest rates/ deposit amounts)
• Sukanya Samridhi (same as above)
• Senior citizen savings scheme
• Kisan Vikas Patra
• Mahila Samman Savings
• MIS
• NSC
• NPS calculator
• EPF calculator -Atal pension yojna
• PM Shram Yogi Maan Dhan
• Gratuity Calculator Info and FAQs of the above schemes

*Mutual Fund related - ELSS calculator - SIP calculator - SWP calculator Info and FAQs of the above schemes
Calculate Income tax and Capital Gains Tax (Shares, Mutual funds, Equity or Debt, Real Estate, Bonds and Zero coupon Bonds)
*Insurance -Postal insurance premium calculator of different scheme - PM Jyoti Jeevan Bima & PM Suraksha Bima premium

• Bonds Calculator
• Bonds -SGB calculator
• 54 EC Bonds
  
• Simple interest and Compounding Interest as well as inflation calculator
  

Pros -Info and FAQs of the above schemes -Free app to use all features with ads -Premium app is Rs 249 (lifetime) wherein interest rates are updated monthly -Available in IOS also
2nd App Stocklytics Features - Check DCF value, Mohnish Pabrai model value and Benjamin Graham model Value of a stock - shareholding history of stocks is available - basic ratios such as P/E, P/B , Industry PE , Book Value and Dividend yield are available. For eg as on today Stock Refex is priced at 157 As per Benjamin Graham Model stock shows 69% undervalued and as per DCF model it shows stock trading at 96% discount, as per Monish pabrai model the average agree cash flow of last 3 years of stock is negative hence that model shows no value of the stock
Cons* -Premium version is ₹450/- for a year and has unlimited analysis otherwise free version has 50 stocks that you can check. -Not available on IOS
I haven’t added any links to the apps, easily searchable on play store If required I’ll share the comments.