Hi Thoughtworkers! Hope all well.
In Thoughtworks offer letter there is no mention of Stocks and joining Bonus. Can someone give insights about it including figure?
Any other big law associates ever just think "Once I have $1.5 million I'm moving to an island and never thinking about work again"
Mid level and just getting to the stage in my career where I hate this.
Hello, I am a Linux system engineer and have been working in Oracle engineered systems from past 10 years. I got some exposure to oracle cloud but it is so difficult to get more exposure in oracle projects to build knowledge and my experience. In the Job portals , its so rare recruiters asking for oracle cloud. Looks like canada do not have much oracle projects. Hence I learned AWS. Want to make use of my knowledge but how?B4 Advisory teams do not have good oracle practice. Agree?
Besides Desmos, what is your favorite website that you use in your classes?
Mine would have to be kahoot. I just started using it this year and I love it.
How was the increment this year?
I heard from my manager that this year's increment was outstanding.
Wanted to know if it's true.
How does one approach telling your team you’re leaving? Who should I reach out to first?
Hi, I have a 1st round interview coming up for an associate position at L.E.K. Consulting and was wondering if anyone could give some insight into the interview? I believe it will be 2 cases, 30 min strategy and 30 min quant. Have been doing some case prep over past few months, but nothing too in depth or LEK specific. Kind of nervous - never done a case interview and feel a little underprepared
Got an offer from HTC Global Services for L2 Engineer Data Analyst Role.....can anybody help me with Job Security and organization culture?
What would you do in this situation?
We live in a small but growing town near Charlotte. The city’s housing market is booming and so is ours. There is LOT of new construction in our area and my house is 15yrs old but has lots of upgrades. My house has also appreciated well and my youngest is a rising junior so we were planning to downsize in 2-3 yrs when he goes to college so what I am trying to decide is whether to sell now to lock in the profit or wait for 2-3 yrs - continued in comments below
Folks, How do you see a move from Big 4 consulting to Tech sales? Is it easy to switch? Will you take a hit on level? Is it worth it in terms of pay and WLB?
Tips for working with a mid that is constantly making mistakes? Trying my best to support, but it’s rather irritating to see them acting smart w others when I am the source of the “wisdom”
Does anyone know any good resources, videos etc for someone transitioning into Customer Success? Thank you😊
Additional Posts in FIRE Financial Independence Retire Early
Is there a good book to teach kids, teens and even college students about personal finance or should i write one?!
I want to get a new job after my wedding in 2022 that will up my TC to $120k+ because right now I'm at $95k and feel massively behind on my goals (Coast FIRE goal is currently $250k but I have only $70k invested right now).
Are there any non-FAANG companies that pay UX/Product Designers really well? I'm a consultant right now but want to go client-side.
I’m 24 years old, making 120k a year. I have about 65k saved in my. 401k, 7k in my ESPP, and 15k in my personal brokerage, no debt. I keep very little in my checking, only enough to pay bills, rent and enjoy a little. What more can I be doing to maximize my investments and extra cash. I just got a salary increase (120k) hoping to start saving more per paycheck! Any positive advice would be great. Big believer in compounding.
What are the best sources / books to learn stock trading or more sophisticated investing? I’ve only been putting my $ in S&P and Intelligent Portfolio, but want to grow my $ more. Thanks!
Looking at refinancing my home and I’m trying to figure out how to best include additional equity in the equation since I’d go to a shorter term, but effectively keep the same payment ($50 more per month). If I roll all of the closing costs into the loan, I show myself coming out ahead immediately due to gaining nearly $500 in additional equity.
Am I missing something in how I should treat that equity? It seems too good to be true to be ahead Day 1.
How much would the market have to plummet for you to consider reallocating some medium-term savings from high yield savings account into an index fund?
Anyone have suggestions on how to protect minors assets? They have a couple of years left before they turn 18 and would like to help them put their inherited money to good use example: low risk investments, steady cash flow investment/rental property, etc. Anything that may also be used for their education in the future. And possibly tax strategies to decrease tax liability from when they start getting income?
Where is the tipping point?
When do believe you will have enough wealth that it will grow inevitably and create the lifestyle you ultimately want.
Does anyone have a professional side hustle? Closer to white collar stuff than driving Uber or making hand bags, as examples. I need a side hustle that I can do from home.
Is it advisable to set a weekly automatic investment for VTSAX or better to have monthly auto invest? Do i get more charge fee if I do it weekly?
Can someone explain HSA and FSA to me? What are the pros and cons? Should I maximize my contributions?
I’ve been reading more and more in other financial forums about people refinancing into interest-only mortgages as a means of maximizing cash available for investment. Help me understand the argument for doing this? I’m starting to see it could make a lot of sense for people who 1) have a ton of equity and aren’t worried about the housing market flinching, 2) probably won’t keep their house forever, and 3) already have a high net worth. Thoughts?
Manager with a big 4 and finally have enough liquid cash to make some meaningful market investments. I am admittedly a newbie to trading and honestly don’t have a lot of interest in self-managing but would like a brokerage and/or CFP guided account (that understands/can accommodate independence requirements).
Any recommendations on brokerage or service to get started? Looking at Vanguard Personal Advisor service at the moment… Thanks for any advise
I have two rental properties and tenants in both have expressed that they are experiencing financial difficulties due to the current pandemic situation and have asked for rent relief. Cont’d...
Any thoughts on where to buy a condo or home in Dallas? Looking to live in it for a year and then rent it out. Any areas to target? Areas to avoid? Advice on home vs condo? Monthly payment vs rent per month looks net cash flow positive
Looking to stay below $400k
When you doing financial planning, what do you assume to be the average annual return for stocks?
Is home-buying smart? Let's say a 200K - 300K condo with $300 monthly HOA, on a 100K salary.
Feel like most FIRE peeps would advise renting, but isn't there value in paying for equity rather than giving money to someone else?
Looking for some advice on buying a home (first time)
I am 27 y/o earning $130k/yr as a contract worker, current rent is $450/mo for a very desirable location and house. I'm in no rush to move.
But I'm curious about the wealth creation possible buying a house and renting rooms. Between appreciation and collecting rent, does it make more sense to buy a house near my approval limit ($600k or $3800/mo) and collect $3000/mo in rent ... or continue renting for LCOL and invest?
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Facebook marketplace. Wait until this spring semester ends. Tons of students will be offloading their cars after they graduate. I grabbed a 2005 Lexus ES 330 for $1500. Took it to a Mexican detail shop and got it completely restored for another $1000. (Very very deep clean, fresh paint, and restored headlights.) Car has lasted me 5 years and the only repair required was swapping the alternator, which cost a couple hundred bucks. It looks decent, drives smooth, and has every amenity you need to get from A to B - sun roof, xm radio and Bluetooth, reverse camera, cold AC, etc. Pro tips watch the ChrisFix and Scotty Kilmer videos on inspecting a used car, invest some money in a code scanner like Scotty recommend (you can rent/borrow them too), and test drive the car in the city and on the highway.
For the next month write down every time you want to go somewhere and where it is you want to go. Look it up in the Uber app to price getting there and back. After a month you’ll know how much you’d spend roughly every month taking Ubers. Then see how that compares to the monthly car note, gas, insurance, yearly registration, and maintenance. You’ll find out very quickly which is better for your situation. Regardless you should not limit yourself to being stuck inside. There are options. They just cost some cash
Cars are so expensive right now. Are cabs accessible where you live? When you do the math, it might be more economical to get cabs when you need to leave the house during the week day, than buying and maintaining a car right now.
My husband and I only have one car as well, it works for us. I think the key is not letting it to limit your freedom, meaning when you need to or want to go somewhere, just Uber and call a taxi. A $20 Uber ride might seem like a lot when going to meet up with a friend for lunch, but it’s nothing comparing to the costs of owning a car (purchase price, gas, insurance and maintenance).
Can you drive him to work?
Was going to suggest this. Can you drop him off to work so you have the car?
My husband and I also share a car. If I want to go somewhere in the day, I just drop him off at work in the morning and pick him up. Then I have the car all day.
Also agree with the people saying you can just Uber and it will be way cheaper than buying another car.
I’d buy a used hybrid/plug in a few years behind. I’ve been told to skip out on all the warranties as well.
We always rent our home and make sure we live close to work. Improves productivity, reduces the need for 2nd car and gas and gives us a lot more free time. The higher rent is 100% worth it.
I have 3 cars and I am the only one working from home, so I am left
With no car wife and kids each take
One car to work and school 😜
If I need anything I have my daughters bicycle, luckily coffee shop and other places to eat and work are within 2 miles for me 😂
Sharing one car with spouse and considering giving it up altogether. We live in a city where Uber/Lyft are plentiful (though not as cheap as they used to be). All in it seems like we could spend 800/month on Uber and come out even.
I would rather have the car then. More freedom, less time, more predictable.
Any other debt? If not, YOLO. Get a Tesla or something. Go wild!