Help. Not sure if I have any idea what I’m doing but I’ve been DCA’ing this allocation for > 1 year. 27 years old. High risk. Suggestions?

Anyone have a recommend for a seasonal depression light? There are lots of options and I would prefer one that turns on in the early am hours.

Anyone successfully take STD or extended long term disability for final IVF procedure? I’d like to take 6 months, Destress before hand then go into extraction. Docs say if this doesn’t work they recommend I move onto other options so I want to give it a fair shot. My clinic will fill out fMLA / medical forms but not sure who ultimately decides the duration. Should I also consider other mental health leave alternatives? Thank you!

venting
I’m 23 and independent. Working full time and studying full time is taking a serious toll on my mental health. I’m always tired, unmotivated, depressed, sometimes angry at my life, and I don’t know what to do. I’m in my sophomore year. I also don’t work in the field that I’m studying (computer science) because I’m always rejected without an interview, which is another aggravating factor for me. It’s hard to have time to work on personal projects to make my portfolio more attractive.
Ty

I've had a whoop for the past 8 months and since the last firmware update it simply doesn't actively synch and it's basically junk. I switched from my old apple watch 3 because I wanted the active heart rate monitoring to help my doctor with my blood pressure and it worked amazingly well. Considering the whoop 4 is seriously backordered, what does everyone think of the Apple watch 7 coming out?

Has anyone ever messed up at a company party because of alcohol?

Had a full on panic attack at work today because of all the social media coverage of Ukraine. I’m on a 24 social media (Instagram, Facebook and Twitter only) time out. 25% of my job is social media 🥺 I’m feeling Burt out. Just needed to get this out into the world.

Any recos for a therapist who:
- is in BK/manhattan
- takes Oxford Health
- is good for treating social anxiety
- is female (preferably but not a game changer)
?

Today Pfizer announced that trials show that their vaccine is 100% effective for teens ages 12-15. Do you think most of our students will get it for next year?

Anyone else feel cautious about the JP wellness screening? Is this something they can use for drug testing? Even still it is weird giving my blood to my employer

I am trying to move from finance (IB tech) to fintech and have 15+ years of experience. I get a feeling my number of years of experience is working against me as all the companies want is young blood. Am I right in thinking this - what can I do to fix it other than reverse aging :-) ?

Settling a debate- is it unethical to tell your confused, alcohol detox patient (who is violent and threatening staff over liquor) that the mix of apple juice and ginger ale you are handing them is angry orchard? Yes, the pt did calm down and laughed when he learned what his mocktale really was a few days later. Yes, this is a Wisconsin hospital.

My motivation is waning for a lot of my work tasks, which recently have been pretty mundane. Either I need something new or this pandemic is just weighing on me extremely heavily. any tips to re-motivate myself?

In case you missed it, if you receive VA benefits you are eligible for the Covid vaccine regardless of age. Just call your clinic and make an appointment.

Hey hey all
Any tips on how to eat desi and healthy. Want to drop from 70 to 60 and get back my fighting bod before my non-existent dil mil dates come into existence.

Any advice on how to improve embryo growth drop off rate? Just finished our second retrieval and I’m frustrated by how many dont make it to blastocysts. We have good fertilization rate through ICSI. Is it normal for about 25% of fertilized eggs to make it to day 6/7? Husband has low count & motility and i have endo, both 33

Is your facility paying for you to get COVID
testing?

How much would orange theory cost if you went 2-3x each week?

Is anyone or does anyone have a good personal trainer in the NYC area? I’m quite an experienced lifter but have hit a mental (and slightly physical) plateau and would benefit from some coaching. TIA!

i CANNOT stand my coworker. He is sooo Nosy! He knows about everyones business in the company and always makes remarks about the times i come in late and is rude asking how my diet is going when ever

Why are folks not hyped anymore about XRP and TRX? I think these coins are still going to fly

I love working in Detroit. I want nothing more than for this city’s ad community to thrive and prosper. I have every finger crossed that BBDO will reopen its Detroit office it and staff it fully.

LMAO Moelis juniors DO NOT get paid twice. Dude's hallucinating as a result of severe sleep deprivation at the sweatshop

What’s your state doing to advance equity in edu? In CA we talk a lot about equity at the student/class levels, but aren’t addressing issues around financial equity and cultural equity in schools.

On a gig with an end date but a hold for the following week. Got strong interest from a place that wants me to break the hold (not the booking) is a longer gig and is offering more $$. Advice?

I am so confused on whether to take onsite or join jp morgan.
I don’t want to leave either.

🌟What's Happening in Charlotte?🌟
Use this thread to share fun events, shows, concerts, activities, and anything else that's happening around the city this weekend!

Woohoo! Welcome deals pros!

Lady fish, how do you handle catty women at the office? Another advisor seems out to get me for no reason-she is constantly catty toward me and every single encounter and I want to stand up for myself

Currently sitting at home with my laptop open planning to work until 2am as usual, and after 5 minutes of staring at the screen I just broke down and started bawling...

Does anyone know about the onsite policy of UST ? If an employee goes onsite does UST pay both indian and onsite salary ? Any other benefits that UST might provide like rental home etc ??

UST Global

Will there be any hike if I moved to associate 2 in pwc ac, if yes how much can I expect?

Hello Folks,
I wanted to know about ServiceNow competency in IBM .. how’s it in IBM when compared to CTS or Infosys as am from CTS

Kindly let me know if any Auditing, Accounts -GL,R2R openings in Bangalore location..

Is there any risk if I get a third party consulting to initiate my Perm process in parallel while am still employed with Deloitte? Have 19 months to max out, Deloitte says they have removed pause but has not opened up enrollment yet? Will RFE etc from one company affect the petition from another?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

How do you sell the benefits of managed money to your clients?

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Stock market is like life, full of ups and downs.
In the hope of market going down maybe not to the March lows but close enough for me to buy.

Considering adding a REIT index to my lazy portfolio allocation for my 401K and Roth Accounts. Thoughts?

Is commercial building a good investment channel? Any insight would be greatly appreciated

My investing strategy is just to DCA into an S&P 500 index fund and keep buying and holding. If I understand correctly, the sole disadvantage this has compared to a tax sheltered retirement account is that the quarterly dividends will be taxed? But even so, they’ll be taxed at a lower qualified dividend rate since I’m automatically reinvesting those dividends.

Mortgage PITI payment would be about 50% of take home pay, but it fits easily within my budget. We max out 401k, HSA, and backdoor Roth. We also have about 150k in savings in case things get tight and saving an additional 1k per month. Is this still too tight?

Does anyone put money into CDs anymore?

What are things to know about buying and operating a laundromat?

Tempted to buy DAL! Pros/cons?

Hello Fishes!

I’m in my early 20s and would like to get some ideas on what would be the best way to start investing? I have 10k for Emergencies, 20k in HYSA. And extra 10k to play around with. I’m already investing in my 401k up to my company’s match and planned on maxing out my Roth eventually…but would to know what are somethings you are all doing for investment.

Thank you!

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

180k base in CA: Is 1500/month net saving goal too aggressive?

I currently have both of my retirement IRAs in SPY (Roth & Traditional). I rarely ever see anyone here invested in SPY, it's usually a vanguard fund like VOO, VTI, VXX etc. What's you're reasoning behind that, and alternatively if you're in SPY, why?

What's your target retirement savings? Target age? Combined or single?

Thoughts on Jumia stock?

How are you all determining the future cost of college and target levels of investment for 529 accounts? Having a hard time seeing how 100k for college in 15 years is realistic. Also don't know the right level of savings to target (50%? More?).

Does anyone do short term investing in the stock market (short term meaning 1day - 2 week trades) if so, what has been your best tool for research? Have you found this strategy to be worth it?