Just saw over the past few days the real value of beta weighting my portfolio and measuring against my theta coverage. I was too beta weighted delta positive last week. I weight using SPY. I made some adjustments and increased my theta at the same time.

I find it too easy to look at trades individually instead of the impact on the whole portfolio. Beta weighting forces me to trim and adjust some "good" trades and keep the best and make trades to balance.

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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 :)

Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

Lebron James has extended his contract for $97.1 million including two mandatory years and an optional third one. Why does someone need so much money in their life?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

For EESP - which is better share withholding or payroll withholding? Thoughts?

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

1000$ rsu is equivalent to how much Indian Rs ?

#1) 1000*(USD value) or
#2) 1000 * Qualys stocks ( 130 USD)

Could you please clarify rsu calculation ?

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

Do you invest in initial coin offerings?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

(Explain like I’m stupid, because I am, but be nice) Refinancing a construction loan to a standard mortgage loan. Borrower and lender entities not changing. Current UCC-1 filed securing “all assets of debtor” in 2019. Why is it necessary to file a new UCC-1 at closing securing the exact same collateral?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Any recommendations on designer card wallet other than Gucci? Looking to buy one for my sister. I already have the Gucci leather card wallet and my sis is not a fan of Gucci. TIA!

How would you spend Valentine’s Day single? I mean how would you survive all the happy couples and not want to jump off a cliff?

Any plays on FL (Footlocker) ahead of their earnings report tomorrow?

buy puts on oil for a few weeks out?

Anyone have any insight on Milbank Century City’s culture, facetime (pre-COVID) and general work environment?

The $1100 money for buying laptop was given during covid or still it will be given to new joiners ?

What bothers you more? People misusing "i.e." and "e.g." OR people responding "k..." to a super long email?

I removed the F1 key from my keyboard and life has been so much better since

Hi!

I currently have a role in Tempe, AZ for a Sr. Manager of Payroll that is hybrid. The big things we are looking for is 10+ years of Payroll experience for a public company, strong ADP experience and people management experience would be nice to have.

If you are interested in Tempe or live in Tempe, AZ feel free to send me a message!

Can anyone advise on some good ways of getting referrals for making job applications? I’m a current masters student, graduating in May 2022

I want some advice, i’ve taken interest at BNSF Railway. I was wondering if y’all have any advice for me as i’m applying for an accounting/finance internship with them for the summer of next year. :(

Looking for an HTML5 animation expert for a web project. Quick turn freelance gig.

Hi Fishes
What does designation lead rep quant analysis means.

If an otherwise good interview the interviewer says: “I think you have great experience that will help you wherever you go”. Should I be reading into this?

Curious what’s a fair salary in MA? Was just told that there is likely not going to be a chance for a raise during my upcoming performance review due to my salary already being “above average for the industry” based on my employer’s questionable research. I’ve been with the company 8.5 years & am the only one in my role, which they can’t operate without. I execute tasks from two investment advisors and two financial planners - they make the decisions of what should happen & I make it happen.

New to the city - what is the general vibe of each neighborhood in Manhattan?

a question for my fellow asian women - moving there in a few months and wondering how safe you all feel? i know it’s been a scary time with increased hate crimes. open to hearing any insights, tips, experiences. stay safe ❤️

What's the CTC range of manager role in Deloitte India? YoE is 9 years.

Have a 2/15 call on ghiv. Tanking today, drop it?

BC, any outlook or positions your holding for Jan/Feb timeframe?

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

4/4 Thread (General):

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Start raising cash family. Take some profits. 4/14 3:51 est

$CS look past the noise on this one. Could be a huge price turnaround on a 2-3 year life time considering this is a on-off event that has now been priced in. I am going to scale into LEAPS. Small position starting today. Looking for 200-300% in 3 years on this. Was best quarter in years without the archegos debacle and lots of opportunity for rates to rise.

3/2 - (specific symbols)

Sundial Growers 🏄🏻‍♂️🏄🏻‍♂️🏄🏻‍♂️

Anyone taking profits from UVXY and VXX or still holding?

Anyone here at big 4 have thinkorswim downloaded on their computer?

$DPZ 370c 3/27

I have square stock that I bought at 240, do I hold? And what’s everyone’s thoughts on Zoom? Sell or hold?

New to option trading, trying to create a protective put (cont)