In the dynamic landscape of the tech industry, there are many considerations when applying for and evaluating job opportunities. Securing a job offer should not just be about your total compensation, especially if you have to materially rely on a promise of future financial rewards tied to the company's success for your own success. Before diving headfirst into an offer laden with stock options or other types of company equity, it's crucial to consider several factors to ensure the opportunity aligns with your career goals, financial success, and personal fulfillment. Compensation Balance: Tec ..read more

In today's digital age, safeguarding your personal information is more crucial than ever. With identity theft and fraud on the rise, it's imperative to take proactive steps to protect yourself. Below, we've outlined some essential methods to shield yourself against potential threats. Get a Copy of your Credit Report Verifying the accuracy of the information on your credit report is key to identifying any fraudulent activity. You are entitled to order a free copy of your credit report from the major three credit reporting agencies every 12 months. AnnualCreditReport.com is the only government a ..read more

Reddit has been a hot topic lately in the financial world as the company files for IPO in March of 2024. For Reddit employees or former employees with equity holdings, it is crucial to approach this IPO with a well-informed financial planning perspective. Below are some key considerations for Reddit employees to empower you to make the most of your financial opportunities. Educate Yourself and Strategize As a Reddit employee, begin by educating yourself about the details surrounding your equity holdings. Understand your vesting schedules, exercise prices, and any restrictions on trading or sel ..read more

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When launching a startup, there are several key considerations that you should keep in mind. It's important to carefully evaluate each of these elements to make informed decisions that align with your business objectives and long-term plans. Here’s a guide for startup founders to build your company.  Define Your Purpose Clearly define the purpose of your business and revisit this regularly. Whether it's to aggressively grow and sell your business as soon as possible, or run it as a long-term “lifestyle” business, your initial actions will have significant impacts on your long-term traject ..read more

Investors may wonder whether stock returns will suffer if inflation keeps rising. Here’s some good news: Inflation isn’t necessarily bad news for stocks. A look at equity performance in the past three decades does not show any reliable connection between periods of high (or low) inflation and US stock returns. Since 1993, one-year returns on US stocks have fluctuated widely. Stock returns can be strong, or weak, or in between when inflation is high. For example, returns were relatively strong in 2021 but poor in 2022. Twenty-two of the past 30 years saw positive returns even after adjusting fo ..read more

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Congratulations Instacart employees and founders on your Initial Public Offering (IPO). For Instacart employees or former employees with equity holdings, it is crucial to approach this IPO with a well-informed financial planning perspective. Below are some key considerations for Instacart employees to empower you to make the most of your financial opportunities. Educate Yourself and Plan Ahead As an Instacart employee, begin by educating yourself about the details surrounding your equity holdings. Understand the vesting schedules, exercise prices, and any restrictions on trading or selling. Ta ..read more

The tech industry is renowned for its fast-paced environment, innovation, and potential for high reward. However, the demanding nature of the work often causes burnout and stress. If you find yourself trapped in a stressful tech job that is taking a toll on your mental and physical well-being, it may be time to consider making a change. Transitioning to a healthier and more fulfilling professional life requires careful consideration and planning. In this blog, we'll explore some key factors that tech employees should consider and actionable steps to take when leaving a high paying, but often s ..read more

So you’ve noticed your grocery bill, restaurant bill, family vacations, home appliances, gasoline, and even stocks have all become significantly more expensive than the official Consumer Price Index (CPI) numbers would indicate. Even if your wage increases have kept up with CPI inflation numbers you may be feeling like you just can’t keep up with all the price increases. The good news is you’re definitely not alone, the bad news is that this trend will continue over the coming years. I’ll briefly explore why official CPI numbers don’t reflect your actual inflation. Consumer Price Index (CPI) i ..read more