https://www.cnbc.com/2023/04/13/how-personal-finance-is-taught-in-us-schools.html

About to start a new job at a start up where I got 20,000 options at ~2.50 strike price, company valuation of a ~$1B. My back of envelope math had future value at around $150-200K after 4 years assuming 4-5X growth. Anyone have any good start up option stories to fuel my optimism?

Is this a good point?
When evaluating the IRR of a new project, the corporate tax rate falling from 35% to 20% really only helps by 1.5-2.5% points. Therefore, it won’t change inv decisions that much

How useful are Macros and VBAs for tax prep?

1.2M 30-yr fixed mortgage. Should I go with option 1 or option 2?

Option 1: Rate - 2.5% with $1,500 credit

Option 2: Rate - 2.375% but I pay $4,500 in points.

Anyone maintain real estate license on the side? If yes, which broker is a good one to associate with of the ones with all these crazy commission models?

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

Can please anyone help to start doing investments into stocks? What iOS software do you use for monitoring and investing? What helpful websites can you recommend for diving into the investment world?

I am selling a huge portion of my stocks this week to purchase a property. Mostly selling off the stocks which are over an year and with good profit.. however, there are few stocks (less than a year old ) which I think not doing so well and I am planning to sell on a loss. How can I use this to my advantage on my tax benefits?

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

💥Relocated to NYC and my real estate broker has said it’s been hard to book any showings. I’ve heard in this market, having a broker can hurt you because property owners prefer to not split the brokerage fee & go straight through tenants. Is there truth to this?😫

Any good gaming ETF ?

Making $37 hr full time with benefits. Chattanooga Tennessee

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

I’ve got cash that I want to conserve (for bschool) and my time horizon is 1 year. It is currently all sitting in a HYSA. Should I bother moving it to a higher return investment and if so what would that be? Thank you!

Anyone tried Changelly? Their exchange rates suck!

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.

Can I keep my ex-spouse in my insurance plan after our divorce?

When is an appropriate time to send a follow up email after interviewing? Is a week too soon?

Do I get paid for unused vacation days? Just accepted my exit offer, and I’m wondering if I should burn through them before leaving.

Hi folks, can anyone provide lights on what will be yearly hike for java tech lead position in Accenture. And what is average variable pay payout percentage

Can anyone tell me,what type of questions I can get in L2 round of interview (manager round) in Legato?
For sr associate,claim processing.
Thanks in advance.

So do higher ups (managers/directors/etc) in FFD talk to each other about the progress of seniors and associates in a similar manner to how the staff are ranked during audit roundtables??

So, my boss just told me that all lives matter.
Let me know if you hear about any executive HR openings, I have 16 years of global HR experience.

Can anyone recommend a good pre-employment Federal background check vendor? MT state does not make it easy to add on the Federal to the state check. Any help would be appreciated!

Bilingual Talent Sourcer in Canada (French and English) seeking remote work. Please message with available opportunities 😁😁

Looking for a new job: all the recruiters don’t reply back or are OOTO

Not looking for a job: 5 emails a day offering you great opportunities

What’s the latest on E&IX with red hat abs cloud focus?

Hi,

I have recieved an offer from cognizant and they have sent link of their portal to accept offer and complete document formalities. Can I go ahead and do this, even though I might not join the company later?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Can folks share their experiences of working during 2nd and 3rd trimesters? How hard was it? What accommodations or adjustments did you make? I’m only in my 1st trimester now but will be starting a new job in October (4 months before my due date) and am nervous about not being able to be at my best

Any good recommended books on how to build a scalable product and team? I'm looking for recommendations for two areas: 1) in general laying the groundwork in a startup to have the tools and especially processes in place to scale, and 2) tactical focus on building a SaaS project. I've been promoted into a management role from Dev roots, so need to learn more PM processes to be an effective manager in day job, plus would like to start building my own SaaS solution.

Anyone ever just quit a job? Hate my clients, don't care about the agency/coworkers, all references are elsewhere and I have a better job waiting. Worth putting in 2 weeks anyways?

Professional assessment tests...

Can anyone recommend online professional assessment tests for profiling personality / aptitudes, rather than for skills?

Or can you share which assessments you've seen private equity firms using most often?

Thaaanks.

I’m teaching summer school at a high school, and the co-principals have asked me to focus on only 2 to 3 chapters worth (what they are calling “2-3 standards” in the eight days of summer semesters. However, they are also asking me to give kids the midterm and/or final at the end of each period, which covers 4-5 chapters each semester. My question is this: “Is it legal by California Ed code for the administration to ask me to teach less than each entire semester, yet test each whole semester?”

What was the deciding factor or inspiration that had you become a Math Educator? Was it a person? An experience? Drop it below! 👇

I teach 3rd grade Math. I am looking for ideas for math centers, that focus on fact fluency.

Anyone have some successful math performance task ideas to share? I need a few more creative ideas for my Algebra 1 Curriculum.

I teach 6th, 7th and 8th grade supplemental math. I want to use pencil / paper this year, because I feel my kids didn't do as well online. I don't mind using it occasionally but want to utilize interactive notebooks. Does anyone else feel this way about math or have suggestions?

I have students that need to make up a missing test. I want to keep the integrity and validity of a test.
Any suggestions??

My district has finally gone 1-to-1. Is there a good app or website that I could use to have students submit answers anonymously while going over problems in class? I did this last week using Kahoot to go over a state testing review packet. It was great because I could see how many got the right answer and move on if no one missed the question. However, I would like to do it without having to create something in advance. I hope this doesn't sound confusing.

"Making Grades Matter" standards based grading in a Secondary PLC at work
by Townsley and Wear.

Anyone at a school that has implemented this?
I'm curious what the results are

How do you incorporate warm up/bell ringer problems so that kids actually complete the problems and not just use that time to socialize?

Anyone out there use Assistments? If so, what has your experience been?

What is your favorite way to review for state testing that doesn’t hyper-focus on cramming things in last minute?

I finally was able to convince my principal that we need a consistent math intervention at the MS level (grades 5-8). (Right now, we are just "doing our own thing," which isn't helping students progress much.) Does anyone have any suggestions? It would be beneficial to have some sort of progress monitoring tool as part of the program, if possible. Our classes run roughly 55 minutes (which is too long for an intervention, in my humble opinion).

Thanks for any advice.

We will be administering the Algebra 1 End of Course Assessment next week.. what are some ideas for recognizing those who perform well as well as those who've had significant increase from previous scores?

I am currently a 5th grade math/science teacher and have an opportunity to move up to a middle school science and technology position. Anyone here move from elementary to middle school? What are some key things I should know if I take this position?

What would u do in this "hypothetical" scenario.
1. Student gets 95 percentile on standardized tests in 1st grade.
2. 2nd gr teacher, capable and flexible but a little old school.
3. Parent, from foreign country, wants us to teach 2 years ahead of where student is at in math and reading in case they have to return to other country.
4. District's old standard for acceleration is at the 97th+ percentile and other students are much more"advanced".
5. Parent wants detailed steps for teacher's plan

So I’ve taught middle school and now I’m thinking I want to make the switch to high school. Those that have gone from middle to high school, how has that change been for you? Especially those in Alabama, did you have get additional certification? My license says 4-8 math, algebra and geometry

Textbooks- what are you currently using for Calculus ( not AP)? What are the pros and cons? Is there an online component to support homework? Thx.