Confession: I used to think "diversification" meant having 3 different tech stocks 😅
Took me an embarrassingly long time (and one rough year) to learn that owning Apple, Google, and Microsoft is not a diversified portfolio — it's a bet on "tech goes up."
The lesson that actually stuck: real diversification means owning things that don't move together. Different sectors, different asset classes, maybe some bonds you'll pretend to be interested in.
The boring stuff works. I wish someone had told

What do you do when you need a sub? What kinds of plans work best for subs in the Spanish classroom? I have needed subs lately and have found it hard to plan lessons that aren’t just busy work.

Marketing leaders at startups: at what point did you make your first dedicated product marketing hire? What lessons did you learn? Did you do it too early? Too late? Didn’t hire senior enough?

what's the best lesson working in the retail industry has taught you?

Hey Fishies!

Property owner wizardry required-

1.First home buyer lesson you wouldn't do again
2.First home buyer lesson you would do again

Just keep swimmin' - THANK YOU!

Hello! I’m new at PBL learning. Where can I find already prepared lessons? I’d like to use other teachers’ successful lesson plans before I try to create my own.

SOS I’m a first year teacher. I’m at a VERY challenging school district & a different culture than I’ve ever been around before. I cant get through a full day’s lesson! I spend more time disciplining!

Today, I showed a TED Talk about the Guatemalan genocide. We were discussing the role of forensic anthropologists. It made such an impact on my students. I teach in a super red state and district and often my students do not see the pain of our Central American neighbors and why they seek asylum here. I tied their plight to my mom’s post-WWII and asked them why she was welcomed by our current immigrants are not. It was so powerful. One of my LatinoX students told me thank you for today’s lesson.

Posting for a friend.
Has almost 8 months experience in Teaching (in Whitehat Jr and another similar company). Currently pursuing an online degree certification on Data Science. Got an interview for a consulting firm.
Job role : Preparing training materials and video lessons on Data Science basics for freshers joining as Data Analysts.
Previous CTC :6 LPA.
How much CTC can be expected or negotiated for the new role, if selected?
Educational background : Masters in Physics
Can code in Python,C

I teach Economics and Personal
Finance at a specialty school. I use NGPF for personal finance but I am seeking Economics lessons for G&T

What’s the biggest mistake you have made as a marketplace seller? How could you have avoided it? What was the lesson learned through this experience if any?

We know our students the best, so what’s your best substitute lesson plan?

Do you find yourself thinking about ways to improve your lessons as you experience life? I’m on vacation for the first time in 10 years and I keep asking myself “wow, what kind of technology is that?” And “How can I integrate that in my Computer Technology class?”

The most important lesson from the Snyder-verse JUSTICE LEAGUE is the value of good editing.

Hi can you advertise here? I teach private piano-flute and violin lessons online

Hi,

I wanted to know if in Google India offices, do people get to work on projects like Machine learning/ Deep learning in Healthcare? Like for example Dr. Lily Peng is working as a Product manager for Diabetic Retinopathy diagnosis with ML.
If anyone from Google can throw some light on this, that would be really helpful.

Thanks!

New to the U.S., is the Healthcare Industry (via HIPAA), the only industry in the U.S. that legally mandates having a designated Privacy Officer? So for example, although GLBA has obvious privacy requirements, unlike with healthcare, financial institutions in the U.S. are not mandated by law to have a designated Privacy Officer?

hey, I joined Deloitte in June 2020 as an GPS SA analyst, I just staffed on internal project only providing me adjusted utilization. Now my standard util is 40 and my adjusted is 105... and this project last in another month... by then my standard util might be 20.. will my promotion be affected by this? My target promotion year on TOD is 2022. My manager said we might sell to client and extend this project in September but nothing guaranteed.

Do I send a Thank You email to the recruiter?

Say you're a manager in a trucking & supply chain company. One of your drivers crashes your truck and leaves some damage on it. Truck is uninsured. Who should cover the repair costs? Me, being the owner of said truck, or the driver, being the one who caused the damage?

Do you get a bonus? How much? Do you count it in your salary when posting here?

180 base, 50 bonus, plus 50-75k profit sharing and 50k equity a year.

Still feel underpaid on initial base salary :/

Hi All! Looking for some advice. I am a manager a country club but I do everything. I’m in charge of outside events and member events, in charge of the front of house staff, scheduling, ordering and membership sales for the club. I feel I am very underpaid at $45k. I do get commission but it’s very low ($10k give or take for the year). I work 6/7 days a week sometimes 10+ hrs/day. I’ve been researching salaries to be able to negotiate higher pay. I want to ask for $60k-is this reasonable?

Hi fishes please refer...
Looking for a Data Scientist/Analyst profile
Qualification :MCA
DOB 27 Jan 1995
YOE- 1yr (AI Product Associate) 9yr (Computer Teacher/trainer)
Skills: Data Science, Machine learning, Deep learning, SQL, python, Django, PowerBI, Tableau...
Current package: 10LPA

Hi Fishes,

I am a new joiner. Haven't received welcome mail from ADP portal so don't have the client I'd, user id and password for ADP. It's been more than 21 days since I joined.

When do you get the details and if not how to escalate?

I have an offer from Ericsson as DevOps Architect on J-6 band. Also have another offer from Another org. I heard the work EGIL does in DevOps front os of pretty low end jobs and have their own tool. Can anyone enlighten me on the nature and scope of the DevOps work in Ericsson

Is 13LPA fixed at EY GDS Consulting justified for 5 yoe and designation as Senior Consultant 1?

Is it possible to get a job offer at a company that you reneged on a few years prior?

What is the starting salary for a new partner at EY Canada?

Why the resource team is wrongly mapping to higher level management role project proposals. Like 4 yr experienced people are being proposed for 10 year experience requirement.
Does anyone else faced this? LTI

How to know the GGID for checking final settlement payslip

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

On average, what % of your lifetime savings should be directly in the market (MFs and ETFs)? This is excluding 401k, Roth IRA etc

International stocks are doing terribly. How do you stick to your plan and continue to buy you allocation of international stocks when it's tempting to go off plan and buy a bit more US?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

24y/o, salary of 65k, contributing 7% to both Roth and Traditional 401k (about 350 each month) any recommendations on whether should keep contribution or alter it? Thanks

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

I just saw that my paystub is at a 0 - and shows RSU deduction offset. What’s that for and does it mean I won’t get paid?

What are your thoughts on Baidu as an investment?

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Any side hustle suggestions for an immigrant working in USA ??

Would you buy a brand new car in cash?

What do I need to do to make a few million $ by 35?

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

When investing liquid cash long term do you all work with an investment advisor or do it yourself? Just got off of a meeting with J P Chase investment advisor who is essentially going to invest my money into a bunch of their own ETFs, S&P500 and some fixed assets. Wondering if it’s paying them 1.5% fees to do it or should I invest time and do it myself.

VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

Should I invest in Roth IRA or Roth 401k?

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Better to Airbnb out a rental or find a 12month lease tenant?

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

Noob investor here. I messed up and need some advice. Invested in Alibaba (BABA) around $245 average cost because I believed in the business but now I’m significantly down…what should I do? I have half investment in my individual brokerage and half in my Roth IRA (I know, pretty stupid of me). Am I screwed long term?