Over the past 9 months I’ve slid into credit card debt. It’s about 9,000 over two cards. I’m a single parent - not that this affords me any leeway, but there it is. I’m just kind of frozen in fear at this point. My savings are not hearty enough to pay it off in full. I do have an investment account I could dip into to pay down both, but markets are crazy right now. Any advice re: debt consolidation sincerely appreciated.

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

So i forgot to move my 401k over from my old job a few years ago. Never done it since because I didn’t want to incur penalties. Moving job again, can I do it now?

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Anyone switched from consular processing to change of status to activate their H1B? If yes, could you pls share when and how(i.e. if you had a ppmd looped in) you reached out to the law firm. My worm authorization is set to expire in 6 months and travel to home country is risky..

People with tiny kids (baby/toddler), how are you coping/entertaining your little buggers? Ours is turning 1 very soon and we have a push trike in the mail, but thinking of inside activities too.

Found out that wifey is pregnant for 5 weeks. When is the appropriate time to report it? Does she need yo have a conversation with hr? She works at deloitte.

Currently in industry at 135k salary, poor healthcare, amazing wlb, a month of parental leave, work is okay.

Considering data science roles at :
return to Deloitte aim for SC in GPS
trying out EY GPS aim for SC
Gov job range is 100-120k and would need to negotiate up pto otherwise I’d for sure decline

-any perspectives appreciated

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

Do product management roles transfer well across industries? For example, would a director of product management role at Visa be interesting on an application to FAANG?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

For the Partners and really anyone in a leadership position: how do you motivate your people to take initiative? i.e. inferring next steps and taking action without waiting to be explicitly told to

Why did you decide to leave your first firm job? If you had a chance to jump ship but stayed, why did you stay?

Everyone going office regularly?

Any PR professionals here up for a quick chat?

Anyone taken the GD test after having covid recently? I have my test in 10 days and I'm currently recovering from covid.

Sometimes when I make a mistake at work I feel like I am not good enough for the job while other times I take it as “let’s do better next time.” Would love to find a balance between the two feelings.

What is a typical cash/equity mix of TC at a series C startup ?

Eg do you generally see 60% salary and 40% in options? Or is it even more salary?

FinTech in Strategy and biz ops role

I’m seriously contemplating taking a software development boot camp. For those who hire new software developers, does it make you stand out if you get your certificate from a university instead of a coding academy (like coding dojo or something)? I noticed the universities are a bit more expensive but is it worth the price to have a university on your resume or does it not really matter?

What is a data lake in basic terms?

Hey guys! Currently in WM ops at Morgan Stanley for the past 1 year dealing with alternative lending, I’m super underpaid with 3 years of experience which is very frustrating. (73k). Have been at Morgan for 1 year and looking to come over to JPM for an ideal pay bump, but would like to get into IB type roll. Any insight on what I should expect or how to go about applying? Maybe even getting referred? I have a deep knowledge of investments and always felt inclined to go down this route.

Hey guys can some1 tell me how many rounds of interview do they take and how many months to release the offer if one can clear?

What’s a good Marriott Bonvoy points vs $ conversion to make decisions on using points or $?
I’m contemplating 40k points vs $168 including taxes at a category 4 location

Any tips for traveling with a baby? Will be flying with a 4 month old in a few months. Any advice would be appreciated!

before my IVF cycle, my doctor is starting a monitoring session and will put me on estrogen patches. he also gave me a trigger shot . normal ?

It makes me intensely uncomfortable when I hear people who should know better misusing the word “myself.” As in “please cc Kate and myself on your email.”

Someone used my mug while I worked from home yesterday and now the top is missing. I feel like this is a metaphor for my agency en masse.

I only focus (obsess) on the bad parts of my review, even though the rest was glowing. Why?!

I’m white.. and a man. Shhh, don’t tell anyone.

I like to think of myself as calm but really I’m just dead inside.

If everything is “asap”, nothing is “asap”

Anyone else cursed with desperately wanting someone to tell you what to do to get better, but knowing that you would never listen?

I just started a new job, they are asking me to lead training. I have no experience in the subject matter. Why me?

Guys I just killed my first cockroach in NYC. Either I need a new job and to relocate immediately or am now invincible/can do anything?

I’ve been using other people’s stock site logins for years from 3+ jobs ago

I don’t get paid to write advertising. I get paid to sit through meetings like these. Kill me.

Should I read anything into the fact that since being laid off I’m finally sleeping well?

It's freezing tonight bitter cold. I just ordered Chinese and I'm not sure if that was a shitty thing to do. I think they need to make money so if no one calls that wouldn't be good. I did tip well

"This program needs more proper documentation!"

In front of folks who don't understand code, you think you look smart. In front of those who know code - you're an idiot covering your incompetency.

Has anyone ever found their work in someone else’s portfolio? What did you do?

I just applied to DDB and I forgot to include a cover letter. But I did include my portfolio, resume, and references.

Since disconnecting with past stories my reality has drastically bent. My stories programmed my reality, attracting what I told myself I was/wasn't.

So inquiring minds need to know. What happened to kevin ?

I ordered dinner with wine at the airport. They brought me two glasses. Said it was my lucky day.

I deserved it anyway

After nearly a year WFH and being with my family 24/7, I’m not entirely sure we actually like each other. Or maybe they don’t like me being at home. Or they don’t like me. Probably the latter 😞