Thoughts on Employee Stock Purchase Plans with a 10% discount? Is it worth it given the lock up period and market volatility?

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What is the lock up period?

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lock-up period is really first period of offering. After that, you can immediately sell and get the same liquidity...continue to repeat that cycle.
There is close to zero volatility in ESPP. If you sell immediately after shares are in your account - none of the volatility matters

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Depends on the company, the lockout period, and your long term outlook on the company.

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Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

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Investor’s Business Daily: worthwhile?

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Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

My fiancé and I are first time home buyers (both 28 yo) and would like to know what makes more sense: buying an expensive home or buying a lower cost one. Our combined income is around 400K but since we just began working post school, our savings are only $70K right now (also 30K in student loan debt). We’re buying in a high property tax state where taxes could be 4% (think 12K taxes on 600K home). Should we get a 500K house or get a 800K - 900K (which represents most I’m willing to spend)

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I have $400k in student loans, half of which are private. I want to quit my job and this career entirely but there’s nothing I can possibly do to make these damn loans go away without strangling myself financially for the rest of my life or literally dying.

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Anyone here refinance successfully with SOFI after I-140 was approved by I-485 is pending?

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Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
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What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

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What’s the largest % of you portfolio you would put in VOO? Currently sitting at just under 50%

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How's the Amazon prime visa card? Any added benefits over the other visa card? Like Chase ones for example

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I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

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What will be inhand salary.
Considering having a loan EMI of 23k per month

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At what monthly take away you guys took a home loan? Also, does the home loan includes cost of the plot?

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Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

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Has anyone diversified and invested in govt bonds? What’s the yield like? Is there a lock-in term?

New to this welcome any article or insights

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Should I lease a car or buy it? Which is better? Does it impact the insurance rate?

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Implications of a PE firm selling and a company bringing on a new investment partner?

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My long term stock portfolio suggestion please?

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I am selling house and remodeling both master bath and kids bath. Got quote for 29k for both and I buy floors and cabinets.question is I have a very big whirlpool tub and tiles around it discolored. It’s a hassle to lift it up change the tiles and fixtures and put it back. It’s old but works great. Remodeling ppl recommend get rid of it, give space to buyers if they want to buy standalone tub. I thought it adds value to have whirlpool tub. But can’t even change fixture. Should I get rid of it?

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How do you add positive structure to your life outside of work? I am way too worn out when I get home and my ADHD just takes over...

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Any book recommendations for soft skills at an agency/studio? For stuff like giving feedback, meetings, presentations, client interaction, etc.

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I am currently working in advertising with experience on fintech & CPG. I would like to work in tech marketing, specifically Google’s APMM program.
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What resources helped you get into product marketing/Google?
Has anyone here moved from advertising to tech?
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Has anyone considered shifting from consulting to teaching? Doing PhD from top IIMs and working as faculty?

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Additional Posts in Personal Investment Chatter

I'm 1 year out of college and recently inherited $400k and have another $120k saved up from internships and work.

I know the standard thing to do is DCA into an index fund/ETF but is there anything else I should be doing to invest my money and hedge against inflation. I'm just concerned with the political turmoil going on and trying to figure out what ETFs I should be investing in and how much I should be putting in every week.

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Currently have excessive savings. Is now a good time to invest in general S&P funds?

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Fav intl ETFs?

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Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

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Beginning to invest. Which is better? Merrill edge or fidelity ? Have a BofA bank account and an employer Fidelity account for RSUs. Also have a TRoweprice 401k account from past employer.

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Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

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Looking for recommendations on a good budget template for a handwritten budget. Got anything?

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Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

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File all 12 months in NY or
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I was in PA for a bit during the pandemic

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Been using HMBradley since February and very happy so far. Getting 3% as advertised.

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Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

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How is everyone feeling about the market today? Buy? Sell? Wait?

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So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

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I started tracking my net worth back in 2016 when I was 23. Currently 28 now and am fortunate to have had a bull market for the last 8 years or so (along with a $200k inheritance at 21) I’m currently a CPA and am interested in helping out anyone regarding any financial advice (free of charge, not a financial advisor) If you have any basic financial questions or want to chat about anything feel free to comment. I’m honestly willing to offer any advice that I can!

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What is up with Coinbase stock (COIN)? ARKK sells it and bad press all over but that thing is shooting up today. Any thoughts? Note: I tried googling but couldn’t find anything positive

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Hello all!
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I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

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