u/MChienne

Hi all,

I have a bunch of shares I purchased via my company’s Employee Stock Purchase Plan at a 15% discount.

The company is set to be acquired. If and when the merger closes, all shares will be automatically sold for cash at a set price.

The stock price is currently about 15% below the agreed-upon sale price. Would it be smart risk management to cash out all my long-term holdings now and put them in SPAXX? I will be realizing gains whether I sell now or later and that 15% difference ultimately amounts to about $2-3k.

I don’t have a strong cash emergency fund built out outside of these investments and I’m anxious about the deal falling through and my nest egg taking a nose dive.

Aware of the tax implications (already asked about it in a separate thread) and will plan accordingly.

Thank you!

Hi all,

I own a bunch of company shares purchased at a discount via the Employee Stock Purchase Plan. The company is being acquired soon, meaning my shares will automatically be sold at the set cash price as soon as the deal closes.

I’m set to earn around $20k in capital gains on these shares. The majority are long-term, but a small portion will be taxed as short term capital gains (depending on when the deal closes).

I have calculated the anticipated tax burden for the sale in a number of different scenarios (timing of the sale, if I cash out early at a lower price, etc). Does it make sense to just set that amount from the sale aside in a separate “bucket” so I can just pay it from there next April? Is there something else I should consider doing? I don’t really have anything I can sell at a loss to balance it out at the moment.

Additional info:

Gross income: $102k base, $45k (ish) bonus
Roth IRA $100 (just opened it last week)
HSA $11.5k
401k $94k
Professionally-managed brokerage $59k
HYSA $3k

I am aware I need a liquid emergency fund. This is the plan for the stock sale proceeds.

Let me know if I should provide more specific info, and my apologies if I got any of this verbiage wrong (very likely!).

Thank you!

Day 2 PO and I can’t believe I have to wear this thing for a week! It’s causing me substantially more pain and discomfort than the surgery itself. My poor ears!

My surgeon gave me one of the ace bandage style wraps that goes over the ears. The pressure on my ears is awful. I’ve put some extra chunks of lipo foam above my ears to relieve the pressure which helps a little. It’s also making me clench my jaw in a way that causes discomfort and wakes me up. I’m ordering a mouth guard to mitigate.

I also bought one of the face wraps from Amazon that everyone in here has recommended. It has ear holes, but the head straps wants to slide forward on my face, meaning that it just tugs on my ears from the back instead of pushing them down. A lose-lose! I also feel that the compression isn’t as high or as even as the ace bandage from my surgeon.

This is mainly just a rant post, but also open to more recommendations if anyone has them! I wear glasses which only makes the ear pain worse. Would love to hear from others about tips and tricks that have worked for them.