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

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

Investor’s Business Daily: worthwhile?

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)

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.

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

Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
7ARM - 4.25% interest rate
30 fixed - 4.75 % interest rate

Banker is recommending 7ARM but wanted to get general opinion as well.

Thoughts?

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

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

What is everyone buying today?

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

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.

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

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.

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

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

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

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...

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

I am currently working in advertising with experience on fintech & CPG. I would like to work in tech marketing, specifically Google’s APMM program.
I’ve been studying some PM/PMM books/podcasts/videos, attending Google events, and want to keep learning more to try to prepare myself as much as I can.
What resources helped you get into product marketing/Google?
Has anyone here moved from advertising to tech?
Would love to hear from a marketer about their experience getting into Google.
Thank you

My flight is at 6:45am tomorrow Im in the north end - will uber/lyft be available at this time??

Has anyone considered shifting from consulting to teaching? Doing PhD from top IIMs and working as faculty?

We have openings in Credit Suisse for Application production support role with 1-3 years experience.

Location: Pune

Any open referrals for big4 for data engineer position:
Skills- Gcp
YoE- 3+
Location-bangalore

Oh god I presented this morning to a senior client and I was so visibly and audibly nervous even tho I had practiced so much. Anyone else have a preso horror story?

Any writers looking for opportunities in Oncology? Company I work for is searching for great Copy. I’ve been there 6 years and love working here. Message me for details.

Favorite vinyl recommendations?

Any CLT,NC businesses looking to hire for a Junior level Full stack developer / Junior Front-End Developer/ Technology Associate /Systems Engineer entry level / IT Support Engineer??

Hey- anyone been in the position where their seeing someone, but you’re not dating ? I’m seeing someone and he went on vacation without me and I’m sure he met some girls - he even admitted it but said

Guys, urgent help.
Need some help in filling pre joining details for CTS. Can someone please comment down, will ping them.
Thanks 😊

Anyone have connections in Oklahoma City?

Hi all. First message here but hoping someone for some guidance from the community. Looking to land my first AM role. I have 8 years in Sales (New Home Developer/Builder) experience. But no direct AM experience. I live in Phoenix, AZ. If anyone has any company recommendations, or pointers, it would be MUCH APPRECIATED!

What do you perceive as a gesture of genuine appreciation and recognition from management (apart from financial incentives and rewards)? I work in a company that recognizes all achievements, every single deal publicly and it's become kind of a joke already. Why are some companies so bad with this to the point the entire sales force is frustrated and doesn't feel 'seen'?

Anyone wondering what digitization and disruption of banking and lender relationships will look like? If at some point regulation allows customers to borrow directly from central banks, then will banks and buy side direct lending shops die out ?

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.

How would you recommend investing the money?

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

Fav intl ETFs?

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?

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.

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.

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

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?

At a high level, what is a better way to maximize returns?

File all 12 months in NY or
file a few months in PA and remaining months in NY (about 9)

I was in PA for a bit during the pandemic

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

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

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?

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

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Best robo advisors for new investors?

Did anyone randomly get a $250 deposit in their account from the government? I think it’s a child tax credit but I don’t have kids. How do I investigate this?

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

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