What are your thoughts on splitting shared expenses proportionate to income when you are living together with your SO? What about if both make over $175k but there is still a significant % delta (30%+)?

About to start a new job at a start up where I got 20,000 options at ~2.50 strike price, company valuation of a ~$1B. My back of envelope math had future value at around $150-200K after 4 years assuming 4-5X growth. Anyone have any good start up option stories to fuel my optimism?

What % do you save vs invest? I'm early 30s with a couple of kids making $200K + . About $75K in savings and another couple thousand invested. No property though. Just wondering what next?

At what investment size should you typically start using fee only financial advisors?

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

I'm a light sleeper who cares too much about the people around me, but I've got a flight to London next Friday from 7pm NYC time to 7am UK time, and I'd really like to master sleeping on a plane just this once and not be in jet lag hell for the entire day after I land. I'll be in premium economy in an aisle seat. I usually take melatonin before bed and sleep on my side. Does anyone have suggestions for an OTC sleeping pill or pillow that actually works, or other advice for sleeping on a plane?

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

Does your firm let you take 28-30 December off? Many of my team members won’t be working those days and I decided last minute that I’d like to travel somewhere between Christmas and the New Year.

What is travel like in FDD?

How Income tax deduction is calculated in Mphasis payslip?

Is there any specific % or threshold values?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

How do I configure a stop loss in bittrex? Is it even possible?

What’s the best site to put your condo on rent other than Kijiji & MLS?

Any suggestions on SPG/Marriott hotels in Barcelona for personal travel?

Hi everyone.

Any day trader guru here? Suggest me where I can learn trading methods and knowledge. I won't start trading now until I feel my techniques good.

TIA

Hi Partners! Can you share some tips and ideas on closing in on total greenfield hunting opportunities? What have been some of the drivers of your successes in getting deals/projects at a client org where don’t have the luxury of introductions. Also, how did you master this (art) over the years?

How did your agency handle layoffs? All-agency meeting before they started? After they ended? Both?

Kinda sorta trying to predict if I’m losing my job tomorrow.

What are some 1-2 year experience roles at MAANG companies?

Hi fishes good morning. I joined CapG on 26th may 2021 as a Associate consultant.  Till this date i got appraisal as well as promotion also.
But this is not sufficient  for a 5 year experience Data Engineer. So i resigned on 12 th june 2022. My current CTC is 9 lpa and i asked them 15lpa for retain. Everything is fine from my Capgemini manager and client manager. Only i am expecting HR Call and that will happen next week as my manager said. Any suggestion what will be next CTC ? Thanks All

People at EY not use the corporate card? The expense system is horrible. But might not be worth using my Marriott card...

Best top 3 ranked GTA games in your opinion? Recently read an article that said San Andreas was the top dawg.

Hey all! Need a couple book recs for an upcoming beach trip.

Looking for a great non-fiction, relating to travel or world history (not just one moment in time). Could also be about the marketing world or memoirs of a business leader kinda thing.

Fiction wise I also like fantasy, paranormal, and romance. Some fave book series are the Black Gryphon from Mercedes Lackey, Game of Thrones, and From Jamaica Lane series. Similar books?

If anyone knows of a good sublease for over the summer, please feel free to reach out!

Hi Fishes,
Need your advice. Got HR call for salary discussion they are ready to offer 8.25 lpa + 1L joining bonus .
Is it good offer or should I reject for 2.5 years of experience?

Hi my firm recently laid me off with many because they had to close our project as they had no funds left.
Yesterday was my last day
I am a Network Service Operations Associate with 1 year of experience in customer service
Would like to get into a Project Management roles.
Any leads would be very useful.
Thanks!

Can someone explain high yield savings accounts to me? Why doesn’t everyone use them? Should I switch banks so that my HYSA is the same as my checking account?

Folks,

Just curious if any1 here has opted for BH number plate for their vehicles, whilst being an HSBC group employee (HDPI, HTI, India or any other entity). Are GSC employees eligible for BH number plate? If yes, what was the process like?

Hi Fishes,

Can you please confirm how long does the joining offer ( provided by PWC ) remain active in workday portal?

No hike like last year ?!

What is role of Agile COE in Wipro. How this COE works in Wipro?
It it worth to join Scrum Master in Wipro.?
Any onsite / Promotion Opportunities for ScrumMaster

What hacks do you use to lose weight?

Hi Fishes,

Moving to Bangalore for the first time.
My office is at Manyata tech park. Could you suggest some areas where I could search for accommodation (rented apartment) that are not expensive.

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Combined net take-home £8000/month. Wanting to rent for £2300, with additional £300-400 in bills. Don’t want to buy as I will not be here for too long and fear brexit. Is that stretched?

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

Is stock market surging tomorrow?

Can someone explain high yield savings accounts to me? Why doesn’t everyone use them? Should I switch banks so that my HYSA is the same as my checking account?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Recommendations for a Roth IRA?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

Book suggestions for new-ish investor - PLEASE. Need to learn the fundamentals

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

I finally created and set up contributions to a 401k account 🙏 whew! Now just need to watch it rain

Has anyone used individual citi wealth management account?

Any feedback on the same?