Have a 2 year old and another on the way. What are the best practices around creating a Will? Get a local attorney, go to Legal Zoom or another website? I’m pretty glib in such an important subject 😕

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Goto an estates and trust attorney. Also, power of attorney, living will and healthcare proxy at the same time. I would not use the internet for this.

The most important thing is what happens to your kids should something happen to you and your spouse. Your worst choice is still better than any choice the courts will make.

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We hired a specialist will attorney. He came to us, which was super-convenient - spent about an hour and a half in our kitchen talking over details with my wife and I, then we got drafted wills in the post two weeks later. Signed them with a couple of friends and family as witnesses, and now pay a small annual fee for the originals to go into secure registered storage.

@P1 what was the total estimated cost if you don’t mind me asking?

I’m in the UK, so don’t know if this is comparable for you. I think the whole service was about £600, and the storage fee is £30 a year.

Quicken has a good product too

Legal plan does it if you signed up for the benefit

We created a trust using discounted legal services that my spouse's employer provided. Trust runs you 2k-3k USD.

I'd recommend sitting with an attorney if you've never done it before.

I used a local attorney using a pre-paid legal plan 15 years ago and have adjusted as our situation changes (kid, asset growth, etc). Might have been $500 or $750 to start and then a few hundred dollars to get updated.

One way to save money is to not actually setup a trust right away. I used a contingent trust that doesn’t get created until necessary. Only works if you have someone you completely trust, which I do in a former work mentor and friend, but saves a bunch of hassle and dollars now.

It was fairly easy other than explaining to my attorney over and over again that equal is not fair, but that is a longer discussion.

^ this

Establishing a living trust covers a lot. Beneficaries of assets, health directives in case you/spouse are incapacitated, guardians for your kids. Also if you own a home or other hefty assets, your beneficiaries don't have to deal with probate court costs. Was a fairly simple process and was covered 100% by our employee legal plan.

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Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

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I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

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I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

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Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

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I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

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Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

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i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

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What’s better the S&P or a total stock market index fund?

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Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

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Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

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Curious: What percent of your income do you give to charity?? 💰💸💰💸

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Does anyone want a 2 tone Sky Dweller on Jubilee, black face? I got an allocation from my AD and don’t want to upset them by saying no. Deal would be at msrp + tax.

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Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

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Well my $500 DOGE bet from yesterday is paying off 😂. This feels like people are just desperate for a bull market based on speculation.

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Joining D soon as manager. Can we use Interactivebroker for stock trading?

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Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

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Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

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Anyone have experience with Skinmedica’s Advance TNS serum? I’m thinking of investing but not sure if it’s worth the price tag.

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They literally got offended and stared at me for asking about WLB...

Seems companies are not learning, even after the great resignations.. the big names... Like TCS, ibm.. are not doing any changes to their work culture and ethics to improve WLB.

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What would be the salary range for a demand planning specialist in Bay Area?
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I need you help to work in you country i want know you country and your culture

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Deloitte, have you heard anything about the third h1b?

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Considering a move into Corp Dev & Strategy at the Sr. Analyst level, with a pay cut to current comp. Is it better to target Manager level roles, or leave now?

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Hello Fishes

Recently i was scheduled for an EY GDS interview on 5th of November but no one showed up and interview did not take place , what is it mean?

Have others found it hard to transition from Audit to Financial Analyst? All the recruiters I’m meeting with are telling me I probably won’t get an interview since they’re looking for someone who’s ready to hit the ground running.
It’s discouraging because I’m a fast learner, and from talking to my friends who are Financial Analysts, it doesn’t seem like what we do is so dissimilar.

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Looking to finally go get my SPHR having the PHR for the past 6 years. Still value and pursuing and obtaining?

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What’s the brand value (SME) of holding an CDPSE cert (Certified Data Privacy Solution Engineer, ISACA)?

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Hi Fishes, a friend of mine is looking for an entry level job in Talent, she has great communication skills and knowledge of psychology as she has completed her Master's in Psychology. She also has a certification from NCERT in Guidance and Counselling. Can anyone please help?

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I am a Sales Executive with over 16 years over experience with FedEx. During the Pandemic I took a risk and moved to a different industry. Unfortunately my new company was greatly impacted by the pandemic and on Thursday I lost my job due to downsizing.
I have a great track record of success and sales awards in every position I have held. I also have an MBA.
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I need advice. I met an amazing guy on a dating app. We talked for 4 months and most of the convo was sexual. I fell so hard for him and it was because when we met up in person he was so kind, caring, and respectful towards me. He never initiated conversation with me first, but if I messaged him, he would respond back immediately. Then after 4 months he ghosted me on the app we were talking on. I texted him and he told me he had a gf. I am completely heartbroken. What kind of behavior was this?

Dear Friends, I am looking for an IT Project Manager job. Let me know if you have any opening for this role. Work experience: I have 13years of experience in the IT industry.

Key Skills: Project Management, Customers and stakeholders management, worked on Cloud migration project, worked on new customer transition, Transitioning project to BAU,IT operations

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