I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Got laid off from uncle D. Is there a way to break my apartment lease without paying lease break fines ? In my contact it’s 3 months worth of rent! Currently in Florida. Any input will help. Thanks

Hello! I’m looking for an affordable financial planner based in Boston or available for a remote consultation. I am a professional in their later 20s looking to set up a budgeting plan for myself. Thanks so much!

Any current new bank account offers that folks would recommend? I currently have Chase, 5/3, Citi.

Should I buy nyc real estate?

I’m 24, have no debt, and currently TC is 150k. Currently, I have 110k in savings + 401k and just started to get into investing. By June 2021, I’ll have at least 150k from savings, 401k, etc. I just got started investing this month in the stock market but now I’m thinking about real estate. There are condos in JC and brooklyn for 400k which doesn’t seem too bad but dont know if I’m being way unrealistic. I’d appreciate any advice!

How much do you save per year? I assume everyone here automatically adds the max amount to 401K... right? Where/how do you save beyond that? I live in an expensive city and worry I’m not saving ebough

Does anyone have suggestions for what to do with short-term savings (3-5 years)? Stock market too risky, interest rates are crap. Are CDs with local credit unions a safe bet?

I'm planning to buy a house either san antonio or houston neighborhood like Katy, Sugarland etc. Is houston really threat to hurricane and other stuff ? Can I prefer san antonio ? Any thots

Am I the only one who’s planning to deposit that $1200 stimulus check straight into my debt? Between that, my tax refund, & 2nd job, I may actually make it out of credit card debt by the end of 2020 🙏

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Which pension plan does KPMG UK use? I’m US based but needing to rollover my existing UK pension due to new job / new independence restrictions and trying to align plans. Thanks!

Can someone explain how the amount in line 6 (taxable income) of form 8990 is calculated? Is it just taxable income less ALL interest expense for that year?

What do you think medical expenses per year are in retirement? At 45? At 65? At 85? Unsure how to budget rn

A book/website/podcast/any other resource on personal finance and best practices for spending/saving money? I'm in the 1st year of my career and want to make the wisest money decisions I can make

What cards do y’all got? Building my chase trifecta with the CSR and CFU at the moment, but debating getting the Hyatt card as my 3rd, but I lack a good groceries option. So many choices…

How much money do you spend for insurance every year (how much for health, how much for term, how much for corporate insurance etc)?

401k loan for first house. Taking $20k to go towards down payment and closing costs. Option 1 is a “personal loan” with up to 72 month payback. Option 2 is “home loan” up to 30 years. With the monthly payments, I lean towards Option 1. Any cons to this other than it impacting my DTI when they see these debt payments on bank statements for mortgage pre-approval? I plan on having the loan sit in savings to “season” for a few months. Does this make sense? I appreciate insight! ☺️

I am currently working with a few 401k plans as their advisor on various platforms. If I end up going to an RIA, how do I handle this business?

I graduated with my Ph.D. last year and have been in the US since 2013 (MS and then PhD). I’ve been in OPT since last year and recently got the STEM extension. Since I’ve passed 5 years on my F1 visa - I’m considered a resident alien for tax purposes. But since I’m still working on OPT and don’t pass the substantial presence test - am I exempt from FICA taxes?

Considering freelancing next year. How much money do I need to put away for insurance, taxes, other things I’ll never see etc each pay period?

I was told today by my coach that it’s really hard to balance my workload and coach me because I’m on a FWA. Basically telling me that it’s going to hinder my career even though I’m up for a promotion this year and yes she recommended me for one. I don’t think she wanted too but the partner in charge of my department told her that I am good at the tax work I have done and that I should be promoted. So now I almost want to go part time to relieve my stress I have every week

Question for agency PPC experts. Who is responsible for your client's monthly paid ads budget? The PPC expert employee or someone else in the company keeps track of the budgets to not overspend?

Hello! Recently laid off. Have 5 years of corporate and campus recruitment. I live in north New Jersey. Open to any hybrid roles in NJ or NYC. Open to any industry!

I am a top performer at what I do ( in tech consulting and more of a technology architect) and I am job hunting. I am not technical enough for FAANG type roles at the same time I don’t have any functional/business skills. I didn’t have time to do certifications and upgrade myself either due to kids. Any tips or suggestions on where do I start ? I get interviews but mostly a reject after the hiring manager and the feedback is I may be skilled but I am not presenting myself properly.

Do you leave work for you sub? Do you have to?

Could anyone share some insight as to how high I could reasonably negotiate my signing bonus at PwC? Joining their tech advisory practice as an experienced associate and assuming $80k salary. Also, is that salary on par for one with 6 months of experience and in a LCOL city (think Orlando or Atlanta)?

Anyone know if non-m cars have launch mode?

Anyone know EY sabbatical policy?

How is the bench like in S&O? Is it across the board or only in certain subgroups?

Last year I heard Working Capital was doing very well. Any insights are welcome.

Any recommendations for books around the California privacy law? Starting a new job in a few weeks and want to have at least a baseline level knowledge

Any good recruiters to reach out to in the Boston/New England area?

How Much time it takes for Capgemini to release the offer after all the discussion ?

Don't shame me but I just ordered a pair of common projects

I love not having to travel to my client every week anymore but also hating that I will lose delta status this year :( what’s the best credit card out there to maintain some status and semblance of sanity with delta travel? I have csr and so does my husband but I think I will switch next year.

Hi all!

I’m a mid-level B2B marketing leader looking for new opportunities due to a shift in culture at my current company.

Although I am well versed across marketing categories, my main focus over the past few years has been on ABM, pipeline growth, and aligning sales and marketing. I also have experience in both early stage and Series C high-growth startups as well as global companies.

If you know of an opportunity that might be a good fit, I’d love to have a conversation!

How long did you stay at one place as a junior before leaving? Nothing is wrong with my current job, I just got approached with another opportunity that seems exciting.

What happened to that post about conceal carry at work? I click the notifications and it says I don't have access to the post. Did the post get blocked?

Is it a good time to invest in gold stocks?

Crowd sourcing some wisdom here. Is it worth investing some $$ in ETFs right now? If so, which ones? If not, why? And when? TIA!

FOMO - seems to always have bad timing or go against the trend. When I saw loss I immediately want to get out.

Any here sign up for Tim Sykes or Paul Scolardi newsletter? Wondering if they are worth the price tag.

Is there a way we can know the penny stocks that outperformed- 300% during pre market hours ? Like the top gainers prior market opens

Sell or hold 3M?

Anyone know why lulu is falling so hard as of late? Due correction or is there some news I’m unaware of that is causing investors to be bearish.

Food for thought: if the VIX existed during the great depression. What would it’s peak have been when the market was at its lowest? Anyway to back calculate that?

Anyone have a good grasp on oil stocks with strong balance sheets? I’m thinking super majors are best bet, but wondering if anyone has insight on balance sheets? Is oxy worth the risk...

Thoughts on investing in rental property instead of putting money into stock market?

Any yolo crypto plays here?

5/12 Thread (General):

CCIV hype and opportunities to capitalize. Clearly, the market is anticipating it going to Lucid. Anyone looking at buying put spreads for a chance at 9x to 24x return if the deal falls through? With the build up to date, the deal decision should be coming up in the coming weeks. Below are Feb choices, you can go out to Mar for more conservative options.

Med risk: Feb 20P/17.5P = 0.25 cost for max return of 2.25
High risk: Feb 15P/12.5P = 0.1 cost for max return of 2.40

Been out of it for a while, are we still expecting a jump in volatility? SMH puts?

NTES weeklies i picked up looking SPICY

Thank god MGNI exists or I might be down for the month due to BB (-10k so far)

Anyone look into SPCX etf? SPAC ETF. Thoughts?

What are you doing with your volatility stocks/calls?
It’s going to get destroyed today.. but are you holding through it?

Thoughts on FTEC?

Buying opportunity ? if so what are the best plays for short term like 1 month to 30 months on options and best play for stocks for 3 months to 1 year time period ?