Hi everyone! I wanted to share an awesome resource. Yoga Foster offers teachers lesson plans on how to use yoga and mindful movement in your classroom. You can also apply for grants for yoga mats!
I want to transition to product management from project management. Any tips would be appreciated !!
I’m looking to hire some amazing creative talent in the Philly area. Copywriters, Art Directors and an ACD Art.
What’s the deal with Huge Oakland?
I really wish we paid vendors in a timely manner 😒
Anyone else feel more disconnected from the younger people after mid 40s? I understood their plight, knew the lingo, knew what kind of in-person gatherings would be fun, etc. All of a sudden I feel like I have no idea how to connect. I want them to get off my lawn and I’ve never felt that way before. Just looking for an ear.
Anyone hiring non-pharma acds in Chicago?
Hey nurses, did you become a CNA first? Or go straight into a nursing program? My cousin wants to become a nurse and, I'm going to be totally frank here, I don't think he can hack it. I recommended that he maybe do his CNA first to get a taste for it, but he's insisting he's prepared to nursing. Part of me is worried because a lottttt of people in my cohort in school were regularly partying and doing hard subs (was this the same for others??), and my cousin is susceptible to peer pressure.
I’m a designer in the planning/landscape architecture dept. of a CE firm. Extremely frustrated that after 4+ years and multiple asks, I’m not getting the in-field construction experience I’ve asked for. I know that my designs could be better if I could see how things are actually built but I get slapped in the face with “I need you in the office designing/drafting” or “there’s no budget to have you go out” and then sends an intern to inspect instead. I’m 5 yrs out of college. Any advice?
How long did it take you to become certified in a FIN module? Im currently studying but it’s become very difficult to focus. Any and all help is greatly appreciated.
I am in the process of IVF due to my husband's male factor infertility. I am so grateful for the benefits that EY provides and wanted to know if there is any consideration for reevaluating those benefits? We know that IVF is incredibly expensive and for some of us, having children is a top priority. Does anyone know where or how we can petition for enhanced or shared benefits? I have ideas.
Has anyone had hard time career from being in Customer Service into Human Resources Coordinator??
Worked for media agency for past 5 years and looking to make switch to brand management. Any advice as I seem to have had a hard time convincing hiring managers what I’ve been doing is transferable
How do you deal with an SO that gives you the “I’m not ALL straight white men” “I’ve had my own set of struggles” “I’ve been discriminated against too” ? (Note: he actually did have a pretty rough upbringing).
Can anyone suggest a good data science bootcamp course within 30k budget
Nonaccounting question. Is it odd that my grandma doesn’t call or send a card for my birthday? She is 83 and in good health (mentally and physically). She lives alone and is on a fixed income so I understand not sending a card since she has 8 grandkids and 10 great grandkids and cards are so expensive now. But is it asking too much for a phone call on my birthday?
Additional Posts in Personal Investment Chatter
Investing newbie here—what do people think about robo advisors as a way to get my foot in the door without spending a ton on a financial advisor and without being scared/lacking initial knowledge to do it myself? If you’ve used a robo-advisor, which one did you use and how’d you like it?
What companies are holding (in their BS) the debt to finance the 2020-2021 boom for used RVs, used light aircrafts, luxury cars (used cars in general), used boats, art, etc.
Typically these type of loans are securitized and sold to 401k/mutual fund investments. However, that is not always the case (e.g. Carvana). I also heard yesterday from finance expert that BOA holds all loans thry issued.
Any companies in the industries above that are holding 2020-2021 financing in their books?
Struggling to find a cost efficient way to invest in sp500 from Europe. What are people using? Ie something similar to what Fidelity offers in US.
I have about 50k in cash saved over a couple of years. I admit I know keeping it in savings account is doing me no good… where do I start for investing? I just don’t even know where to start
Is anyone aware of this Hiltons Honors American Express Aspire Card!?
Looking for some guidance to maximize gains. 401k- 115 K managed by Vanguard robot , Roth IRA - 15.K in FTEC and ONEQ. 55 K cash.
Don’t have immediate need for cash. 29 M
I was scared of the market and didn’t want to invest until I payed off student loans. Put almost ever cent I had leftover to loans and started investing in the market and myself. Trying for 7 figures by 30.🤞
Doing my taxes and realizing "never sell"
Stock futures are going to crash 3-4 % lower on Monday. Nasdaq losses will be more mild though. At this point there will be a few winners and a whole lot of losers. 15 days of protests and corona cases plus shift into q2 forecast will lead to at least 10% pullback. Long live AMazon and Apple
Rate my portfolio:
80% mix of spy, qqq
10% speculative stocks and cryptos
Using margin for >100% @1.1%
Also have reservations to sell for lucid air, Ineos grenadier, fisher ocean, cyber truck. Haha
I just opened a Roth IRA and was wondering if you have any advice on where to allocate the funds - SWPPX or SWYNX (target date fund)?
Any point holding both VTI and VTV in my Roth IRA? Or would I be better off putting my VTV money into something else? (I already have VXUS in my traditional IRA)
Planning to buy a new construction, is there an advantage going with agent vs without them in terms of additional perks from builders as they don't have to give agent commission?
Help me think through this. We want a new construction in the MD DC VA area. Is it better to go to one of these neighborhoods where builders are building (1.7 mill) or to demolish a old house (1.5 or 1.6 maybe?) and hire a builder? Am I correct to assume in the 1st case I don’t pay a mortgage until it’s built, but in the second I’ll be paying the mortgage all year while it’s being built?? I feel like even if the neighborhood case is more expensive on paper, it may be cheaper in the long run???
Looking at houses around $800k. Just got introduced to the idea of a jumbo loan…. I have about $125,000 in equity in my current house, which will probably be closer to $100k by the time closing is done. My local lender is requiring 20% down on a jumbo loan, which I don’t have. My first question is—does anyone know of a lender who doesn’t require 20% on a jumbo? Second, I have about $100k equity in a rental property but lender requires 40% down on investment properties for a HELOC. Help!
Best personal finance/ investment podcast?
What do you think about Markus by Goldman Sachs?
What is a great budget/expense tracking app you use? Looking for one that consolidates all my credit card spendings in one!
For people who have HYSA, do you also have a credit card with the company or do you just send money to your main account if need to pay for something?
Let’s say I have $3k monthly expenses. Should I still keep ~5k at a time in my Wells Fargo account and just move the rest of the additional savings to an HYSA? Then move funds from HYSA to WF account when needed? Or is there a better way of doing it?
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The con would be sinking a large portion of your net worth into an illiquid asset when you could have a sub 3% mortgage and have your money working for you. If you already have enough invested then that isn't a big concern but over an extended period of time there is a high likelihood investment returns would be significantly higher than the cost of the mortgage.
No, I’m saying we are considering buying a house in cash in 2-3 years, because in 2-3 years, given the Fed’s activities/statements, we assume interest rates on new mortgages will increase as well. We are not moving soon, and are continuing to save cash until that move happens in 2-3 years.
You lose all leverage benefits. Leverage is your friend in manageable amounts
Following. We are thinking of doing this for our next move to a new city where we don’t know where we want to plant roots. We want to buy a cheaper house in cash for a year or two, then when we know the area we want to be in, then we upgrade to the long-term house with a mortgage.