I am thinking about investing in the current body LED light for the face. Has anyone invested in one ? If so, What has been your experience with it? I’m looking to reduce fine lines. TIA

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Hi everyone! Looking for some advice on my side hustle. I’m running an e-commerce store selling primarily home decor, and I wanted to get some honest feedback & suggestions on the site to see what I can improve for better conversions. I’ll leave the link in a comment for anyone who would like to take a look.

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Anybody having experience good/bad about investing through Wint Wealth? Seems like a good way to diversify the liquid portion of the portfolio......if I am greedy this looks better than those liquid funds and a 100% safer than those too.
Also what independence disclosures will apply after the NSDL being made mandatory brokerage account....for Wint Wealth related investments

I have an expiring British Airways credit I need to use in January or February. Options are Lisbon, Paris, Rome and Athens. Anyone have thoughts on any of those in the winter/off season?

I'm coming from the US - my flight credit is use-it-or-lose-it so I'm trying not to spend much more than the original credit.

Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

What are some of your go to resources for investment ideas or advice?

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

Anyone got a good tax person in the bay area?

Can I receive rent on H1? How can that be accounted towards the end of the FY?

What are your thoughts on lending money to family when asked? (Cont)

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

What is your top stock trading platform? I use Ally invest and Robinhood. Not happy with both. Looking for a platform with low fees, fractional shares and solid analytics. Thanks in advance

Dear Folks,

Can someone refer me into Microsoft, for Azure DevOps role. I have 5.5 YOE

What are some of your go to resources for investment ideas or advice?

Anyone Boston next week?

Hello Everyone,

My joining is on 11th July. I believe I have to collect the laptop from Camac street on joining date. But after laptop collection, should I WFH as the Technopolis office is not ready? Also, how much time does it take on first day for all the formalities? After laptop collection and formalities, I am planning to return to my hometown which is 250 km away.

Hello,I’ve 11 years of experience in hardware verification. I know SV, UVM. How can I change my career field to AIML? Please guide

Hey Guys, I have applied to Accenture through their Accenture India portal and it's still showing pending review and my interview hasn't been scheduled yet. as I checked found out that pending review means the Application has been passed from HR to the operations team what should I do now as it's been more than 4 weeks and I haven't received any response from them and there is no way to contact them.i am getting a little frustrated about this

Who all agrees PWC is full of toxic interviewers who just come to satisfy their ego & pass the frustration

Is it same with work culture too ?

Hi everyone,
There is a friend of mine who is looking for a job change. She has 3 yrs experience in hr recruitment. Let me know if anyone can refer her.
Thanks

I know a young designer looking to make some connections (coffee, info interviews, agency tours, etc). She's great/talented and my agency wants to hire her but haven't pulled the trigger. Leads?

Had on-site a month ago and recruiter has promised an update several times and not followed through. Anything I can do other than following up once a week? I think I’m the backup candidate but would be helpful to get more clarity

Folks in corporate strategy manager roles in industry, what types of projects or skills do you recommend people in consulting work on to best succeed in Corp Strat roles?

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

You all here of any openings?

Dropped off my kids to school this morning and just felt unsettled. It’s so hard to concentrate on work today.

Can anyone tell me if a person working for genpact 3 months and due to his performance he has resigned with all formality. Can he joined again after two years

Can someone help me with referral for Oracle Database Administrator, location Hungary

Ive been using botox fairly consistently for 10 yrs and m happy with the results. However, for financial reasons Im thinking of taking a break for 12 months to save the extra money.

Will stopping botox for 12 moths undo all the progress I've made? (I am afraid of rapidly aging like the Nazi from Indiana Jones and the Last Crusade - nightmare fule).

Also, any adfordable akincare products I should use during the 12 months?

Hey guys!
Any recommendations for beauty classes please such as waxing, facials etc…… I’m too busy to enroll at cosmetology school but want yo get some quick certifications.

Finally accepting that I have too many grey hairs that I can’t just pluck them any more. What’s the best way to color speckles of grey while optimizing for cost/time/quality? Do those boxes of hair coloring at the grocery store actually work or should I get it done professionally? 🤔

Any recommendations on a decent treadmill under $500?

I have an appointment to get lip fillers for the first time. I want natural looking results, nothing too big. I know it takes time to settle, but will I be able to go to work the next day without it being noticeable?

Looking for a gift for my boyfriends mom. We’ve been together 6 months so nothing too personal but something more than flowers! Any ideas?

M here who has a decent amount of random grey hairs. Rest of hair is very dark, close to black, so they stand out. Any recs on how to get rid of them?

Any suggestions for a face serum or face oil for dry, sensitive, acne prone skin?

I’ve bought Arrid Extra Dry cream deodorant by the case for decades, and they’ve stopped making it! Using Mitchum now and I don’t like the smell, I sweat through Secret... what do you all use?

Looking for face lotion recommendations. I feel like I can’t even wash my face because my skin is so dry. Maybe I need to start having a skin care routine or whatever. Idk where to start

Facial skin is rough with ingrown hair (especially chin, neck, sideburns) due to constant tweezing. Doc recommends facial hair remover. I am afraid that will ruin skin. Any mild hair remover suggestions that work well on brown skin?

Has anyone tried CeraVe daytime face lotion with 30 spf? I use and love the PM (even during the day in winter) and want to add SPF during the day without risking breakouts. Unfortunately I have dry, yet sensitive, acne prone skin.

Has anyone undergone laser treatment for acne scars on the face? Are you happy with the results? How much did it cost?

Anyone have a favorite healthy recipe? Realized that I eat terribly even when I’m home in my own kitchen...

pro tip. purchase baby foot exfoliate. but make sure you do it at home.

Got Invisalign (Lite) today!! If all goes to plan, I’ll be done with treatment before fall. Any advice from those who had or have invisalign? 🦷😁🦷

Has anyone in nyc been to LM Medical for Botox? In Greenwich village

For those of you coloring your hair at home, do you color your whole hair each time or just your roots? Also has anyone tried Herbatint products?

My skin has always been a little dry. I’ve used plain coconut oil on my face for years (as a moisturizer) but recently stopped because my fave would just get red after application. Not itchy but I definitely felt like my skin was reacting. Any suggestions for non-acne related calming face washes or moisturizers?

Help! With the season change my face is so dry. Even after moisturizer it looks like my foundation was applied on top of snakeskin. Any suggestions for moisturizers or something else to help?