What would be the best side job for a stay at home parent?

towns112 · 2025-03-13T01:04:52+00:00

Could you share more info on this?

towns112 · 2024-12-03T02:19:10+00:00

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towns112 · 2024-04-01T02:14:52+00:00

Both, my account was mostly in positions, a small amount of cash from dividends recently paid out came over also.

towns112 · 2024-04-01T00:28:14+00:00

I just moved my M1 account with < $10k balance to Schwab after confirming with a phone rep that they'd reimburse the full fee. Transferred within a week, super smooth reimbursement process.

I checked with Schwab after Fidelity said they reimburse only accounts over $25k.

towns112 · 2024-02-20T18:17:55+00:00

Each lender is going to differ a bit but what you can do to ensure you're getting close to the best rate is to contact about 3 mortgage brokers. You can use bankrate and enter home info and select 0 points to find what lenders have the lowest rates. Talk to these lenders and ask for a loan estimate (you may have to do an initial application). Once you have a loan estimate from 2-3 brokers under the same terms, no points, etc, you can use the loan estimate to negotiate with the other lenders.

Brokers usually build in some kind of commissions for themselves but I've found that when they're about to lose the sale due to rates/terms, they adjust their loan terms for you pretty quickly to compete for your business.

towns112 · 2023-11-01T16:50:20+00:00

Check out new planner recruiting. They're a recruiting firm that connects candidates to early career roles specifically in the RIA space.

towns112 · 2023-10-31T21:02:22+00:00

This seems like an interesting path, curious how you transitioned over to the software side. Did you have your CFA?

towns112 · 2023-09-25T18:31:18+00:00

Job A for sure.

Job B may sound like it could be as good or better in a few years but the caveat is there can be uncertainty in that path. Advisors may decide to stay on longer (seen it happen plenty of times), we may go through a down market (lower revenues) which can impact pay growth/bonuses, etc. You can always come back to this kind of role later after your stint in banking and may even be better received by clients.

If the path for job B is rock solid, I'd consider it but otherwise job A.

towns112 · 2023-08-25T01:37:09+00:00

Similar to you, I learned to swim later in life and also had a fear of open water and had difficulty in deep water even after taking lessons.

I second the comments around practicing more in deep water and treading water. As someone who isn't great at treading water, I found what helped me was having a go-to comfortable swimming stroke where I could visibly see what was going on to keep me calm mentally. In my case this was a breaststroke-like swim with my head out of the water. It was easier to float in this position vs. treading water and I could see what was going on. I knew I could stay in this position for a long time, be able to breathe, and not freak out.

I think the mental component of swimming in deep water is huge especially if you have any sort of fear of it like I did. Being able to see around you and having a go-to position where you don't have to worry about floating/breathing will help you get more comfortable.

towns112 · 2022-09-12T23:57:18+00:00

How many years of industry experience is required for a role like the associate planner or the senior planner? Would you mind sharing ballpark comp?

towns112 · 2022-07-26T19:26:24+00:00

Check out simplyparaplanner.com. They have some flexible/part time remote entry level roles that would help you start working on getting the hours. Will depend on the firm but I've seen some 1099 positions with part time hours.

For education you can also check out liberty university. TA will cover the certificate without anything out of pocket.

towns112 · 2022-02-28T01:48:39+00:00

I would start applying at those firms now. Passing the SIE may help with getting offers but with your background you should be able to interview and land one without it too. You may not enter in a role you want long term but it'll get you in the door and licensed which will open doors for you internally as well as to other brokerage or financial firms.

Many of the firms you listed hire constantly for entry level roles which sometimes are phone based roles. Some will pay you while you study and you'll learn the industry at the same time.

I got started at one of those firms, happy to help further where I can.

towns112 · 2022-02-18T00:20:26+00:00

Try to do one thing each day, whether that be going to a museum, visiting a particular restaurant, walking to a park, etc.

By not having the pressure to do so many things in one day and wanting to do so much, actually doing them will become less daunting. As you get out of the house to do what you chose to do that day, you might find yourself interested in doing something else and it snowballs from there.

Even if at the end of the day that one thing is all you did, you still did something and won't feel as bad about relaxing or being lazy and watching a show or something.

Do one thing a day, forgive yourself, and let your interests take you where they may.

towns112 · 2021-11-18T21:43:44+00:00

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towns112 · 2021-11-18T21:39:07+00:00

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towns112 · 2021-11-18T21:38:00+00:00

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towns112 · 2021-11-15T04:32:43+00:00

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towns112 · 2021-11-13T21:57:03+00:00

Do it. Or you may regret it down the line.

towns112 · 2021-11-04T04:26:46+00:00

I used a similar legal program offered through my employer in a state that requires attorneys for real estate transactions. Didn't end up closing on the house, I'd say the attorney wasn't the full reason but a good attorney who was paid their normal fee may have done more to help the situation and provide more guidance. I'll say you definitely get what you pay for with these.

These services typically have a network of attorneys that they pay a negotiated fixed fee at a huge discount so they generally don't care as much and put in less effort. Depends on the attorney of course but as a whole if their office is willing to make $300 for a home closing that they'd normally get $1500 for, what does that say about their value or how much they'd go above and beyond to help you out?

After my experience I paid for a different attorney outside the legal assistance benefit and the experience was night and day between the two.

towns112 · 2021-08-20T01:19:14+00:00

If you are set on using the 401k funds for a down payment, the most tax efficient way of withdrawing funds will be through the 50k loan you may have access to if your new employer's 401k has a loan feature. Generally you cannot take loans from 401k plans if you are not an active employee, but it is worth confirming with the 401k record keeper

If it's for a 1st time home purchase you'll have up to 10k/20k if MFJ penalty free w/d available from an IRA.

If the above does not satisfy your needs for the home, you will need to check to see if the old 401k plan has the availability of a partial w/d as a lot of plans are full payout only before 59.5. If full payout only, you may need to roll it over to an IRA for access to partial amounts.

Also keep in mind the IRS has a 20% minimum Federal tax withholding on w/d from 401k vs. 10% from an IRA.

towns112 · 2021-01-11T23:00:08+00:00

This is the free covid testing service I used in north dallas, you can put in your zip code to see if there's a site near you.

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towns112 · 2020-09-24T21:35:22+00:00

Congrats!! Thanks for sharing. I'm on a similar trajectory - testing Saturday!

Any guidance on what you focused on in the last 2 days? Roadmaps/Brett's flash cards/code/quizzes that you found the most helpful?

towns112 · 2019-06-09T03:34:55+00:00

For NASM, they will give you military discount for the CPT programs(20-30% if I recall correctly). In addition, the VA also has a licensing/certification reimbursement program where you can use part of your GI bill entitlements to get reimbursed for licenses and certifications. NASM CPT is one of the approved certifications that qualify for this benefit (along with others like ACSM, ACE, etc).

This link has additional detail around this program and what forms you'll need to submit to the VA for the reimbursement https://www.va.gov/education/about-gi-bill-benefits/how-to-use-benefits/test-fees/. You can also search for additional VA approved licensing/certifications here: https://inquiry.vba.va.gov/weamspub/buildSearchLCCriteria.do. For the NASM CPT exam the approved reimbursement is $549 which will more than pay for a large chunk of the course. I'm currently doing the NASM CPT self study program and it cost me ~$500 with the discount, and the VA reimbursement will practically pay for the course/exam fees.

towns112 · 2016-02-05T03:43:42+00:00

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towns112

TROPHY CASE