Always wanted to adopt a puppy and this time seems perfect as I can be home all day for months to give the puppy the attention it needs in its initial months. I can’t decide on what puppy to get. Live in a hot climate area and own a big house with a decent size backyard. I am wanting to adopt either Labrador, golden retriever, Pomsky husky or a German shepherd. What would be best for a first time dog parent?
I was let go because they thought I was hugging a child and the film did not show the whole incident. I was actually holding a kid from pummeling another, who I was telling to go outside.
I was working for a teacher who had been through several paras. She was bullying me and I finally told and then let go. The union was there and did nothing
I am scared to go back to special ed and I tried to get transfered before all this. At Round Lake Beach Elementary.
So I saw this in the news today. All I thought was …yup how am I handling it? This is my last year teaching. I just quit and turned in a “won’t be returning next year letter” I’m not putting my life on the line anymore. The districts don’t do enough to protect us. I’d flip burgers at this point. Not sure I’ll finish my contract at this point. Lack of subs. Subs bit doing the work left. Kid behavior. Lack of district support. Can’t pee when I want and have to “wait”. So much more.
Any flight hacks to florida /Orlando ? Traveling with a child and it’s really adding up.
Looking for advice: the last year of my life has been very lucky (and a lot of hard work). I’ve been promoted and I’m 3 months pregnant and basically no complaints. A good gf of mine, hasn’t had (cont
Please help evaluate this offer from fidelity investments at Raleigh Durham location Role : Principal Product Analyst in cyber team . Base salary: $120,000
Yearly Bonus opportunity: 25%( of base and consistency paid at this % based on historical evidence )
401k matching: 7% ( dollar to dollar match after 12 months of employment )
Profit sharing: 10% ( starts after 12 months of employment )
Sign on Bonus: $11,000.
If it’s a good time to increase my 401k contribution %? I plan to invest all in s&p 500 equivalent fund and it looks pretty low now.
Had my first miscarriage late last year. 8 weeks pregnant now and saw baby on sono the other day however, at times I don’t “feel” pregnant. Like my boobs don’t feel sore and don’t have intense food cravings. Maybe it’s all in my head but how do I stop from worrying about a 2nd miscarriage? ☹️ My next appt is in 4 wks and I wish time sped up so I could feel more in the clear.
How old was your baby when you had to send him/her to daycare? Did the baby get really sick as soon as daycare started?
Looking for ideas on a gift for my friend who just gave birth to her first child, lives in a small apartment in NY, and has been overwhelmed with gifts from tons of people. Trying to find something thoughtful, unique, and useful during her first week at home! Any suggestions?
Anybody else incredibly grateful to be able to WFH while pregnant. Don’t know how other women can do it tbh
I want to thank everyone on this bowl as I’ve learned so much from your advice in just a month!
It’s sometimes tough figuring out retirement plans as a creative freelancer where financial conversations within my community are limited. I’m 35 and wish I had done everything sooner — backdoor Roth IRA, HSA, 401k etc. Better late than never I guess :)
I feel like I have a really negative relationship with my ADHD. As a child it really irritated and stressed out my mother so as soon as I mellowed out a little bit I always thought of it as a really negative thing. I still worry that if I talk too much or too fast, or forget something around her she'll get really annoyed or be angry with me. We've never talked about it but I think I might need to talk to a professional about it. Can anyone relate?
How do women really work in pregnancy? I am 7 weeks and so exhausted to work that I feel like taking a long break instead I’m getting overburdened with work. It’s not too much but a bit much for my pregnant brain to take. Also I’m high risk and will have more than the regular amount of appointments and blood work apps in coming future. I have no plans of telling my project peeps until 20 weeks. I don’t know how I’m going to do it.
Heading out on mat leave and would love some book recommendations. Not necessarily mom/kid related stuff although am open to it! Am a mom of 1 toddler (2.5yrs) and love historical fiction, dystopias, as well as thought-provoking non fiction of all kinds. 🙏
Got married too early (6months) with a narcissist “love bomber”. Didn’t know what love bombing was, never had dated a narcissist before, and I thought I had found the one. I’m 4 months pregnant and
A colleague (different firm) a little younger than me committed suicide. Last time we spoke he mentioned stress due to a judge enforcing a scheduling order neither party wanted, trying to juggle that with an untenable custody situation, motions to compel depos on days he doesn't have child care. Why do we make this so difficult? My mom practiced in a rural county with 15 lawyers and I wish that kind of civility could exist in bigger markets. Say hi to your work friends today
Do I have my kid go to universal pre-K where he is in class ONE time a week and then Zoom (he is hyper active and Zoom learning is difficult for everyone) or cough up $28,000 for private school where he goes 5 days a week? Anyone else in NYC conflicted on where to send their kids?
Has anyone heard of Doug reeves? Just curious a district in my area is having him speak at a virtual meeting coming up on ways to improve D and F grades.He has a sketchy past from being in jail for embezzling money for an organization and years ago he was accused of molesting a coworkers child then several years go by and he was acquitted. Regardless if he was acquitted or not why would a district hire this professional speaker to speak to a group of teachers?? How about someone with a cjeanrr
If you recently had a baby, would you tell friends/family they needed to be vaccinated to be around them?
For those who landed their MBB offer on the second or later try, what did you do in the year in between tries to keep up and polish your casing and behaviourals? Anything you did differently?
Friendly reminder: You are not in this alone. Reach out to one of us. Go to a meeting. Talk to your support group. I know the holidays can be rough.
Hi Fishers. Good Morning! I got offer in Citi. Can someone let me know whether we can go home and connect. Or we just need to stay in office until all call gets over. Do they provide laptops for new joiners. Citi
"Data Scientist", Azure shop, 5y experience. Been stuck doing python dev/client team augmentation for the last 18 months (several clients).
So demotivated+disillusioned, does anyone in consulting actually do DS projects? - this is the same reason I left my last role, 6 months of interesting work and then endless dev work. Predictive models are dangled just out of reach to stop us quitting.
No longer feel qualified to apply for actual DS roles outside because I've not done any ML in so long.
I've read about the Google resume bullet format. Questions:
1. Will Google recruiters and interviewers be annoyed by the repetition if every bullet is set up exactly like "accomolished X as measured by Y by doing Z"?
2. Is that format preference outdated and now Google recruiters look for something else? If so, what?
3. Are normal resume bullets ok, like "identified a $10M/yr savings by analyzing and benchmarking cost data" which are results oriented and quantified but don't follow the format?
Any other EY’ers 🙄 that the first Unity email in 8 months asks to support social media visibility at the O&E conference for which no info or opportunity is provided for anyone to go unless you’re in the know? What does Unity even do besides send themselves to conferences and dinners?
Anybody with strong skill of VLSI & is looking for job switch, I have referral in L&T Technology Services, interested ping me
kya matlab faand mar lunga 🤔
Y'all - I am a 2021 grad in a non market amlaw100. I did not hit my 2021 billable target, but first years get a grace period until 3rd year to start hitting it. I also billed 200+ DEI hours and 200+ pro bono. My mentor helped me write a memo advocating for myself to get a discretionary bonus for the DEI and pro bono work AND today I found out that it worked!! I got a discretionary bonus for the work everyone said doesn't get recognized. Advocate for yourselves! And find old white dude allies! 😅
Need suggestion : i have a 3 offers in hand and which one to select
Microfocus - 18lpa + 2 jb
Hitachi energy - 15 + 1.5 jb
Dell - 18lpa + 2 jb
Wanted to know which company is best towards work culture and facilities
US Military Officer looking to move to Aus with SO at the beginning of next year. Planning my exit from the military as we speak. Anyone willing to connect to talk about their move?
Destination recommendations when traveling with a 1 year old? Looking at possibly doing a couple vacations next summer and wanted to see if anyone had any recommendations. Either domestic (US) or international.
Doing a poll here to see the gender split in this bowl. can you lease ‘like’ one of the options below ? (It’s more efficient than each of us typing a separately response)
Do you think we should pursue promotions harder since we're statistically in fewer leadership roles? Or is it more strategic to wait for your work to speak for itself?
Additional Posts in Personal Investment Chatter
If we already predict a terrible Q1 earnings across the board due to the entire economy stopping, why would actual reports make a huge difference? Just to see if it’s worse or better than expected?
Why financial stocks haven't recovered as much as rest of sectors. Is it due to coming bankruptcies and mortgage defaults
Thoughts on DBX? Seems poised for growth and has beat earnings but price has been flat for some time
Lost a ton of money in VGT, VTI and VXUS already, however I have some cash to spare and considering investing more here. Thoughts?
I’m a similar age and have the same feelings - agree on a lot of this - try and streamline your expenses as much as possible and enjoy being frugal - reduce your debt and take advantage as much saving support (eg 401k) as possible- time is still on your side if you build good habits
Thank you for your advice and encouraging words 🥰
At 30 years old I was making 50k and had 80k in debt. I changed my circle and friend group and am now 33, with $0 debt, and making 140k a year. I’m by no means rich but I turned my life around in 3 years. Change your circle.
Read how to win friends and influence people and practice. In all likelihood you’re annoying. It’s a mean comment, but it also works and I’ve been in the same boat.
Start working through Dave Ramsey baby steps at least until the debt is gone. Then reevaluate.
Dave Ramsey is the very best plan out there. It works. I’ve personally become wealthy following his plan and podcast and I’ve seen hundreds of others do the same. With all the layoffs, several other executives and I talk regularly and one of the things multiple of them have mentioned is how glad we are that we found Ramsey’s plan. We are all years in at this point, but the freedom you gain is worth more than anything. You do not worry about the corporate CFOs slashing you because you know you are in a position of leverage. The only people who push back on his principles are those who pushback on self discipline.
The good thing is that you recognize you want to get serious about your finance and you still have time to grow your wealth by saving/ investing before you retire. You can do this!
Thank you for you encouraging words!
Lol thank you for lightening the mood
Cut your expenses if you can. How much do you make? Put a budget together. Put money in a 401k. Hard to suggest anything with no information
I would either look for a second job if you can manage it or look for a better paying job.
1. Sign up for mint.com so you can track where your money is going and what debts you have in one place.
2. Hire a fee only fiduciary financial planner after signing up for mint (mint can provide a source of data that informs the conversation with the planner). Not a financial advisor or insurance salesperson, a financial planner.
3. Look into the snowball method of debt repayment.
4. Beyond cutting expenses, think of earning more money. I don't mean any scheme you see on YouTube ads like MLM, dropshipping, or some crypto stunts. A better job, perhaps after a graduate degree, could help you earn more money in the medium and long term.
You're not even 30. You have time to turn things around.
Thank you kindly for your advice I will look into this :)
When I was your age (20 years ago) I remember spending my very last quarter on refilling my coffee. Even though it feels like you may be at rock bottom, you can turn things around. You have to make a plan. Our plan consisted of a move across the country to getting better paying jobs. I’ve had that student debt as well and it’s now paid off. Who are the 5 others you are supporting and can any of them work?
1. Do your parents not receive social security?
2. How much do you pay for all the other expenses for your family?
Little brother should be on his own to support himself because he needs to man up.
Start your own business. I was broke at 30 and now I have over $1.2M - takes time and hard work but it can be done. Good luck.
It sounds like you have 2 big challenges - low income and many others to support. No amount of pinching pennies is going to change that fact. Honestly I’m impressed that you’re not in MORE debt. Plenty of people making $100K+/year are in worse shape than you.
If I were you, I would focus on 1) networking and researching to get a higher paying job, and 2) doing some hard thinking and conversations about what support you can give your family and for how long. There’s a lot we don’t know here, but if you don’t want to be dependent on others when you’re retired then you’ll need to make some hard decisions now.
Good on you! We've all got to start somewhere. Dave Ramsey is NOT for me as I don't respond well to people trying to shame me. There are tons of folks around on socials and with books who take different approaches- The Hell Yeah Group (great intro to managing finances), Make Real Cents (budgeting and debt payoff), Broke Millenial (lil bit of everything with helpful worksheets), Dumpster Doggy (getting started with investing in an approachable way), Her First 100k (job search/salary negotiation and more). GOOD LUCK YOU CAN DO IT!
You have to go a bit deeper- where is your money going towards? Rent is typically the biggest expense, can you move in with your parents or get roommates to save on rent? Learn how to cook your meals if you’re constantly eating out, there are a ton of YouTube videos that can teach you how to prepare healthy, nutritious meals. Work a 2nd job if possible and just grind and save. You shouldn’t let life happen to you but make life happen for you
Just putting it out there maybe with rent so high but salary low, have you thought about moving elsewhere with your family?
If you can’t save, and we accept your assertion that you aren’t spending recklessly, then by elimination it sounds like your income is the problem. “Account executive” sounds like a sales role, which can be great or terrible depending what you’re selling and how good you are at selling it. If it’s not working out great for you, have you thought about other professions or companies?
Aso even without being reckless, supporting 5 people is a lot. Are these your SO and kids? Relatives? Others you somehow feel responsible for? Can they work?
Personally I’d just work two or three jobs for 1-3 years, build more marketable skills
If your income is truly that, low and they are not private student loans, then an income based repayment plan is an option if you're in the US.
As for the credit card debt, you have choices, it's about as much as a car note. If you are paying more than 10-11% interest, you can usually get a personal loan for a lower fixed rate of interest from a credit union, and get a payment schedule to pay it off in 5-7 years.
Then stick the credit card in a block of ice in the freezer for a week or two and really really look at your expenses.
In some cases, it is not possible to cut more, and you need to use local supports like food banks and charity programs to get breathing space. In others, you really might need to learn about crock pots and avoid eating out for a year. Reddit has extraordinarily good forums to help with this sort of thing.
Dave Ramsey is good for only the very baby steps of personal finance. Don't listen to the advice on used cars and renting housing forever if you can't pay cash. Housing is more complicated than that.
Corollary 2. The cards all get deleted from digital storage at the same time.
While working on the budget, no apple pay, no google pay,delete your autofill settings for Amazon and PayPal.
The goal is to make it just inconvenient enough to break reflex spending habits while you examine your spending.
Look for a higher paying job, cut your expenses to only what’s necessary. Focus on repaying your debts but also on having some emergency funds. Get a side hustle
Look up jobs on LinkedIn and only apply to jobs that list a salary range, so you know you’re not wasting time on another low paying job. Apply to those jobs that pay $100k. For example, many “marketing manager” or “product manager” jobs pay $100k.
Take free courses on LinkedIn or Coursera to gain new skills and put that newly earned “badge” or “completed course” on your resume, in things like Microsoft Excel, PowerPoint, Data Analysis, Tableau visualization, sales, negotiation, marketing, product management, etc.
Thank you for this post, you are not alone. I’m 33 and I have realized that I have no retirement and missed the boat on a lot of things. I’m planning on moving to another state. And possibly starting a business to build an asset. Homes are stupid right now. Look at the bright side that many have and can build toward a retirement and future. We have time left. But not enough time to waste. Let’s do it!
I also got a financial planner. Best thing I did!
Everyone starts somewhere and good news is you have plenty of time!
Near term: cut expenses and start saving
Next: Make more money. This is important. Work for a promotion or find a higher paying job. If there’s a ceiling then consider switching careers. While you’re searching, make extra income on the side by side gigs or even doing Uber Eats or Doordash.
Long term: once you save enough to pay off your debt, for an emergency fund, then look into 401k, and then diversifying.
Personally, I'd start with prayer asking for guidance.
Then I'd start looking for part-time jobs depnding on your availability:
Day time availability -Bartender,server,cashier,cook,retail clerk, temp mall shops for example fix smartphones
Night time availability
-Supply stocker (warehouses like home depot/hospitals/grocery stores), janitor, call center or helpdesk role
-Rideshare driver, delivery driver (uber, lyft, amazon) babysitter/house sitter/dog walker, collect metal/glass (like copper/soda cans or glass bottles) and turn in for cash.
Once I secure a part-time gig, I'd look at all my expenses and start cutting out the wants vs needs. For example, remove any and all streaming platforms/subscriptions and cut down on shopping esp at expensive stores and remove all non-essential costs. Lastly, I'd try to sell anything I don't regularly use (furniture, electronics, equipment, games, clothes/shoes) on fb marketplace, craigslist, any preferred site.
1 Increase income via work or selling stuff
2 Cut out non-essential spending