u/Analyst-man

Hi all - there’s a character and fitness question in NJ asking if you have EVER been denied from a previous bar application? I applied to New York a year ago via UBE transfer and needed to get a waiver of the 36 month rule. I got this waiver but NY still initially denied my application because it was past 36 months (sent an official letter and everything). When I emailed them, the person reviewing the application said exactly this “that’s silly, someone forgot to upload your waiver to the system”. I was then proceeded to be admitted. Do you think this counts as EVER being denied? I am learning towards no since that same application was then reinstated but everyone says to over share. The problem is if I say yes, I need to provide transcripts, records, and a statement from the NY bar council (a big headache). Besides, the reason for the initial denial was fully their fault. What do you guys think?

Hi all, I thought I would post my situation on here. I have been living in NYC the past 10 years and I hate it. The smells, public transport, everything. I want to move somewhere where I can buy a house and a car (and not have to pay a ton for parking). I have never been a city person and I enjoy trees and quiet. However, I do need to be in or near a city to make money. I am open to the east coast mostly. Does anyone have any suggestions? I was thinking Boston suburbs or even DC suburbs (on the Virginia side). I looked at Charlotte too. Problem is I have never lived in any of these places. How are they? Thanks!

Edit: I also love to travel so needs to be within an hour of a major airport. Ideally one that has flights internationally.

Hi all - I’m looking for a very basic laptop that can handle Microsoft Word, Excel, PDF’s and internet browsing. What matters to me most is build quality though. I don’t like plastic or cheap feeling computers. Is the Dell Plus line good or should I go higher end?

I’m between the Dell Plus 16 and the Lenovo Yoga 7i. Both seem to have Intel Core Ultra 7 processors, 16gb ram, 1000 gb storage, and are around $700/$800 on Best Buy’s website. Let me know what you think!

Hi all - my laptop is 8 years old and I’m looking to get a new one. My use case for it is Microsoft Office (Word for resume, excel for budgets, and pdfs). It will also be light internet browsing (but no movies or tv shows since I watch those on a tv). I’ve had windows my whole life and I finished college a few years ago. I find that after college, my laptop use has fallen dramatically (I use it once a week now on like Sundays). I want a laptop that feels well built, will last a while and be good for my needs. I read online about the MacBook Air and how everyone loves it. Should I be getting that? Or would a windows laptop do as well? I’m just nervous about learning a new OS and then using Microsoft products on a Mac. Let me know what you think?! Thanks for the help!

So abbot has taken quite a fall lately. However, it just guided to making at least $5.35 (at the low end) so this would put them at under a 16x PE for this years earnings. Dividend is approaching 3% and it is a solid healthcare company. What are the downsides to this? I don’t even understand how it’s gotten so cheap when it’s historical OE was always over 20x. I’m thinking about buying but wanted to ask the community’s advice. Thanks!

So abbot has taken quite a fall lately. However, it just guided to making at least $5.35 (at the low end) so this would put them at under a 16x PE for this years earnings. Dividend is approaching 3% and it is a solid healthcare company. What are the downsides to this? I don’t even understand how it’s gotten so cheap when it’s historical OE was always over 20x. I’m thinking about buying but wanted to ask the community’s advice. Thanks!

Hi all - have you ever had problems with an ex? I’m dating a girl now with 2 kids and my parents biggest issue with that is they heard about ex’s coming to the new parent and blackmailing him for money. They said it happened to their friend’s son. Threatening to take the kids away if he doesn’t pay up or threatening to kill him or if he doesn’t pay, he will make their life miserable. Is that a valid concern? I didn’t even think about it before and I don’t know how valid this is.

Hi all - I am new to the silver game but I’m starting to buy some coins. Which ones are generally regarded as the coolest to own? I’m mostly asking about cool designs or looks. Is it the American Silver Eagles? I see those for $1.99 over spot on JM Bullion. Is there anything cooler than those? Thanks!

Hi all - I sent an envelope on Tuesday, April 21st from NYC to the Boston area (so about 2 weeks). It still has not arrived. Is there a chance it’ll still come? I understand first class mail is 3-5 days but this isn’t even a far distance! Here’s the weird thing, I sent a second envelope on Friday, April 24th to that same address and that hasn’t shown up either. Can 2 envelopes be lost within a week of each other? I sent it directly from the drop box at my local post office in Manhattan so I know USPS got it. Does anyone have any idea if the envelopes might still make it? So weird that 2 went missing.

Hi all - I’m filling out the C&F application now and one of the questions is whether a business I was involved in ever declared bankruptcy (exact question below). I owned Spirit stock last year and they went bankrupt. Does that mean I should mark that yes? If they ask for documents surrounding that bankruptcy, would I go to Spirit Investor Relations for that? Thanks!

Has any business in which you had a financial interest in ever declared bankruptcy?

Hi all - I’m filling out the C&F application now and one of the questions is whether a business I was involved in ever declared bankruptcy. I owned Spirit stock last year and they went bankrupt. Does that mean I should mark that yes? If they ask for documents surrounding that bankruptcy, would I go to Spirit Investor Relations for that? Thanks!

Hi all - I sent out a letter last Monday (9 days ago) from NYC to the Boston suburbs. I then sent out another letter on Wednesday (7 days ago) to the same exact address. It’s now Wednesday and neither has reached the destination yet. I know USPS is having cutbacks but I sent letters this exact route before last fall and they arrived within 3/4 days. Also this ain’t exactly cross county, the two cities are fairly close. Has something changed recently? Like I highly doubt two separate letters both got lost in the mail simultaneously. Also, the designation address has been getting mail but not my letters. What do you guys think?

Hi all - healthcare is a decent part of my portfolio and it has really been underperforming this year (including today). The XLV is down over 8% compared to a 5% gain in the S&P 500. I like healthcare because it’s generally a more stable sector and with the boomers aging, I assumed revenues would continue increasing but this year and even last year, it has seriously underperformed. Do you guys have thoughts on why that is? Nothing jumps out at me off the top of my head. And more importantly, do you think this underperformance will continue? Thanks!

Hi all - I have a question here about GM and its brands. It just reported blow out earnings today and is selling every car it builds. In fact, it has record profits and record selling prices. My question is why no one on here ever recommends a car made by GM? I don’t think I’ve seen it once. I see Toyota, Honda, Subaru, and a ton of Mazda. Are they genuinely bad cars? Are the people who buy them just uneducated? Or what am I missing? Just trying to reconcile their record earnings with what I see on this sub. Thanks for your help!

Hello,

I have a question for the group. I have been a practicing attorney for 5 years and only have worked in big law in NYC. I want a chiller life so I started interviewing at law firms in NJ and PA. Suffice to say, I am seeing a lot of 1800 hours billable requirements and a pay range of $130k - $150k for a fifth year (I’m not exaggerating). There’s big law firms that require 1850-1900 and most associates there bill right around that (I know because I’m at one and I make market). Why would anyone go to these regional firms? I just had a call with one and their life doesn’t sound chiller at all. Am I making a mistake by interviewing at these places?