u/Icy_Tumbleweed9859

I have understood all the topics but didn't practice the questions, no mocks, no examiner reports and also pending with these chapters

• ⁠Introduction to Groups
• ⁠Consolidated Statement of Financial Position
• ⁠Consolidated Statements of Financial Performance
• ⁠Changes in Group Structures: Disposals
• ⁠Accounting for Associates
• ⁠Statement of cashflow

Rest is done I prepared the notes as well few chapter I started revision as well. Starting the question practice tomorrow.

What strategy I need to follow from here? Also if someone can provide a lecture link or any drive link to understand these consolidation chapters.

I really need some guidance I have still 20 days out of this 14 days are holidays so I can devote my full time into practice but from where I need to start and how? I want to pass this exam.

I know I did the mistake of not practicing earlier and regretting now....

I have understood all the topics but didn't practice the questions, no mocks, no examiner reports and also pending with these chapters

• ⁠Introduction to Groups
• ⁠Consolidated Statement of Financial Position
• ⁠Consolidated Statements of Financial Performance
• ⁠Changes in Group Structures: Disposals
• ⁠Accounting for Associates
• ⁠Statement of cashflow

Rest is done I prepared the notes as well few chapter I started revision as well. Starting the question practice tomorrow.

What strategy I need to follow from here? Also if someone can provide a lecture link or any drive link to understand these consolidation chapters.

I really need some guidance I have still 20 days out of this 14 days are holidays so I can devote my full time into practice but from where I need to start and how? I want to pass this exam.

I know I did the mistake of not practicing earlier and regretting now....

I have understood all the topics but didn't practice the questions, no mocks, no examiner reports and also pending with these chapters

• ⁠Introduction to Groups
• ⁠Consolidated Statement of Financial Position
• ⁠Consolidated Statements of Financial Performance
• ⁠Changes in Group Structures: Disposals
• ⁠Accounting for Associates
• ⁠Statement of cashflow

Rest is done I prepared the notes as well few chapter I started revision as well. Starting the question practice tomorrow.

What strategy I need to follow from here? Also if someone can provide a lecture link or any drive link to understand these consolidation chapters.

I really need some guidance I have still 20 days out of this 14 days are holidays so I can devote my full time into practice but from where I need to start and how? I want to pass this exam.

I know I did the mistake of not practicing earlier and regretting now....

I have understood all the topics but didn't practice the questions, no mocks, no examiner reports and also pending with these chapters.

• Introduction to Groups
• Consolidated Statement of Financial Position
• Consolidated Statements of Financial Performance
• Changes in Group Structures: Disposals
• Accounting for Associates
• Statement of cashflow

Rest is done I prepared the notes as well few chapter I started revision as well. Starting the question practice tomorrow.

What strategy I need to follow from here? Also if someone can provide a lecture link or any drive link to understand these consolidation chapters.

I really need some guidance I have still 20 days out of this 14 days are holidays so I can devote my full time into practice but from where I need to start and how? I want to pass this exam.

I know I did the mistake of not practicing earlier and regretting now....

Hi I want to understand, If I want to buy a plot in a good liveable middle class society or area in Mohali, Zirakpur . How much money do you need for 150 or 100 sq yard.

I am talking about if I will buy today and build and started living after 5 years.

Is 30-40-50L is enough.

I don't like flats at all. I want my roof that's it.

Hey Everyone,

I am having 25L in hand from last 1 year which I saved while working abroad now I came back and my current salary is 50k pm. Sole earner of the family.

Currently living in tier 4 Haryana village (not proper city , not proper village).

In future expenses - 5L for sister marriage, 2L for house paint and repair,
Wants to buy a car as well looking for old around 2.5 - 3L (want's to buy new but afraid of taking loans).

Apart from this 25L , I have already 13L stocks, 2L gold , 1L US stocks , 2L emergency fund.

Currently living in a very narrow space street neighbours are not good , car can't enter but in my village the property prices are sky rocket from last 1 year I wanted to buy a land around 150 sq yard. But in my area for 100-150 sq yard we need at least 50-80L minimum around 40L.

In this dilemma and searching of property I already wasted 1 year but didn't able to find anything. What should I need to do?
Do I need to move this money into MF (flexi, small, mid and multi asset, Reit)
or Should I need to keep in debt and still look for properties (which is very thin chances to get in 25L).

I have no term insurance, no health neither for my father mother.

I am totally confused right now every single day searching for investing how to invest these 25L from last 6 months I am fed posting every single subreddit a post about this investment of money.

Been sitting on this decision for a year now and want real input, not just reassurance.

The situation: 25L in hand, held for about a year. Original plan was to buy property, but prices in my target area (small tier 4 town in Haryana) have gone up so much I haven't been able to close a single deal in that time. Current income is on the lower side, so a loan isn't realistically an option — this has to be cash-only, which limits me a lot.

Right now the full 25L just sits in a 7% debt fund, technically beating inflation, not doing much else.

Rest of my portfolio, for context: 2L emergency fund, 13L in stocks, 2L gold, 2L index fund. Stock portfolio hasn't performed great the last couple years, so I'm not eager to add more there without a clearer plan.

Near-term reality: About 10L of the 25L is earmarked for expenses in the next 12-18 months (family obligations, repairs, etc.) — so realistically only 15L is "free" capital.

What I'm stuck on:

• Do I start an STP into equity (Small Cap / Mid Cap / Flexi Cap — not sure which mix) over the next several months and treat the property plan as on hold indefinitely?
• Or keep it liquid a while longer in case something opens up?
• I keep seeing stories of people buying and reselling property within 6 months at 30-40% gains, which makes waiting feel tempting, but I don't know how realistic or common that actually is versus survivorship bias.

I am not good in this as well how to make money with money.

Risk appetite is Moderate.

Been sitting on this decision for a year now and want real input, not just reassurance.

The situation: 25L in hand, held for about a year. Original plan was to buy property, but prices in my target area (small tier 4 town in Haryana) have gone up so much I haven't been able to close a single deal in that time. Current income is on the lower side, so a loan isn't realistically an option — this has to be cash-only, which limits me a lot.

Right now the full 25L just sits in a 7% debt fund, technically beating inflation, not doing much else.

Rest of my portfolio, for context: 2L emergency fund, 13L in stocks, 2L gold, 2L index fund. Stock portfolio hasn't performed great the last couple years, so I'm not eager to add more there without a clearer plan.

Near-term reality: About 10L of the 25L is earmarked for expenses in the next 12-18 months (family obligations, repairs, etc.) — so realistically only 15L is "free" capital.

What I'm stuck on:

• Do I start an STP into equity (Small Cap / Mid Cap / Flexi Cap — not sure which mix) over the next several months and treat the property plan as on hold indefinitely?
• Or keep it liquid a while longer in case something opens up?
• I keep seeing stories of people buying and reselling property within 6 months at 30-40% gains, which makes waiting feel tempting, but I don't know how realistic or common that actually is versus survivorship bias.

I am not good in this as well how to make money with money.

Genuinely open to hearing "talk to an actual planner" as an answer — if anyone has worked with a good SEBI-registered fee-only advisor (not commission-based) and can point me toward how to find one, that's useful too. Not looking for a sales pitch, just an honest read on whether DIY (index/STP route) makes sense here or whether this is complex enough to warrant paying for real advice.

Risk appetite is Moderate.

I have 15L in liquid funds which I kept to buy the property in my near hometown tier 4 village but the prices are skyrocket high. So trying from last one year but no deal happen. Now I can guarantee my self that less than 40L no deal can happen.

I want to deploy this capital now into Large , Mid, small or any other MF. Don't have much knowledge about this. Need your guidance how to select the funds and which are really good in all these categories. NO INDEX funds I already have 2L there and in gold 3L.

Currently holding 17L stocks as well. So I don't want to diversify in the stocks/gold/ETF. Only MF.

25L total, but 10L is earmarked for near-term expenses (family marriage, car , repairs, etc.) — so the real free capital is 15L, currently parked in liquid funds.

Original plan was to keep it liquid for a plot purchase. Been trying for over a year, prices in the area have gotten unreasonably high, and realistically I don't see a deal happening anytime soon — if ever, at this rate. My current income is also very low so I don't think I can even afford a loan even for 10L to buy the property.

So now weighing two paths:

1. Start an STP over the next 6 months into a mix of Large Cap, Multi Cap/Multi Asset, and Mid Cap funds — basically accept the property plan is on indefinite hold and put the money to work for real growth (targeting 10-12%).
2. Keep it in liquid/debt (currently ~6-7%) in case a property deal somehow does show up, even though the odds feel low at this point.

No fixed timeline either way — that's exactly the problem. Money's just sitting there either way, and I can't tell if that's smart caution or lost opportunity cost at this point.

What would you do in this spot — deploy and stop waiting, or is there a middle ground I'm not seeing?

As tittle but in good location

As tittle mentioned need this urgently. Please suggest it very important.

Hi everyone,

I just had my mid-year review and got promoted from Accounting Associate to Accountant. I work remotely for a German company (multi-entity group — I handle finance across the parent company and its subsidiaries), and my manager was genuinely happy with my work over the last 6 months. I joined in November 2025.

Current salary: ~₹44,000/month. My manager wants to increase it in two phases — once now, and again in December — instead of one big jump, since a single increase now would mean I wouldn't see another raise for ~1.5 years otherwise.

She asked me what I thought was fair. I proposed ~25%. But the next increment I told her that I will prove again then I will ask for right now I can say this only. The goals are (DE/NL VAT , IFRS knowledge, more automation knowledge) which is achievable for me.

I got the exact raise what I asked for 25%, at the end she said she got only this approval from boss.
I don't have a great sense of whether this was a smart ask or if I lowballed myself. My experience: ~5 years total, spanning AP/AR, multi-currency reconciliations, month-end close, and now multi-entity consolidation work.

What do you think guys did I made the correct choice? By asking 25% is a right decision or I undersold myself. I just wants to understand.

Hi everyone, I am not a CA.

I just had my mid-year review and got promoted from Accounting Associate to Accountant. I work remotely for a German company (multi-entity group — I handle finance across the parent company and its subsidiaries), and my manager was genuinely happy with my work over the last 6 months. I joined in November 2025.

Current salary: ~₹44,000/month. My manager wants to increase it in two phases — once now, and again in December — instead of one big jump, since a single increase now would mean I wouldn't see another raise for ~1.5 years otherwise.

She asked me what I thought was fair. I proposed ~25%. But the next increment I told her that I will prove again then I will ask for right now I can say this only. The goals are (DE/NL VAT , IFRS knowledge, more automation knowledge) which is achievable for me.

I got the exact raise what I asked for 25%, at the end she said she got only this approval from boss.
I don't have a great sense of whether this was a smart ask or if I lowballed myself. My experience: ~5 years total, spanning AP/AR, multi-currency reconciliations, month-end close, and now multi-entity consolidation work.

What do you think guys did I made the correct choice? By asking 25% is a right decision or I undersold myself. I just wants to understand.

Hi everyone, I am not a CA.

I just had my mid-year review and got promoted from Accounting Associate to Accountant. I work remotely for a German company (multi-entity group — I handle finance across the parent company and its subsidiaries), and my manager was genuinely happy with my work over the last 6 months. I joined in November 2025.

Current salary: ~₹44,000/month. My manager wants to increase it in two phases — once now, and again in December — instead of one big jump, since a single increase now would mean I wouldn't see another raise for ~1.5 years otherwise.

She asked me what I thought was fair. I proposed ~25%. But the next increment I told her that I will prove again then I will ask for right now I can say this only. The goals are (DE/NL VAT , IFRS knowledge, more automation knowledge) which is achievable for me.

I got the exact raise what I asked for 25%, at the end she said she got only this approval from boss.
I don't have a great sense of whether this was a smart ask or if I lowballed myself. My experience: ~5 years total, spanning AP/AR, multi-currency reconciliations, month-end close, and now multi-entity consolidation work.

What do you think guys did I made the correct choice? By asking 25% is a right decision or I undersold myself. I just wants to understand.

Hi everyone,

I just had my mid-year review and got promoted from Accounting Associate to Accountant. I work remotely for a German company (multi-entity group — I handle finance across the parent company and its subsidiaries), and my manager was genuinely happy with my work over the last 6 months. I joined in November 2025.

Current salary: ~₹44,000/month. My manager wants to increase it in two phases — once now, and again in December — instead of one big jump, since a single increase now would mean I wouldn't see another raise for ~1.5 years otherwise.

She asked me what I thought was fair. I proposed ~25%. But the next increment I told her that I will prove again then I will ask for right now I can say this only. The goals are (DE/NL VAT , IFRS knowledge, more automation knowledge) which is achievable for me.

I got the exact raise what I asked for 25%, at the end she said she got only this approval from boss.
I don't have a great sense of whether this was a smart ask or if I lowballed myself. My experience: ~5 years total, spanning AP/AR, multi-currency reconciliations, month-end close, and now multi-entity consolidation work.

What do you think guys did I made the correct choice? By asking 25% is a right decision or I undersold myself. I just wants to understand.

I’m from Haryana (Tier-4 town). We get municipal water, and I think the TDS is around 250-350 (I’ll get it tested before buying).
I’m confused between UV + UF and RO + UV + UF with TDS controller.
Budget: Around ₹10,000.
My biggest concern is maintenance cost. I don’t want a purifier that requires ₹4k–₹5k/year in AMC or filter replacements. I’m okay spending around ₹1k–₹2k/year if I can replace filters myself.
Which brands/models have low long-term maintenance costs, easily available spare parts, and good reliability? My health isn’t great, so I need to buy one soon.
Any suggestions from your personal experience would be appreciated.