Blog Posts

You Don’t Have To Suck At Negotiation

I am thrilled to bits that Bayalis Is The Answer has been chosen to be a Plutus Award Finalist. I am grateful to all my readers for making this possible. The Plutus Awards are the Oscars of the financial blogging world. Winners will be announced on the 28th of October at […]

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On the path to financial independence: September 2017

The BITAs spent most of September gallivanting around Europe. We visited Lisbon, Amsterdam and Split for a glorious nearly 3 week vacation. We were joined by my sister, brother-in-law and my parents, resulting in an ideal Adult:Toddler ratio of 6:1.   We kicked off our European sojourn in Lisbon, where […]

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The BITAs in Beautiful Lisbon

The BITA family spent 3 glorious weeks in Europe in September. We kicked off our European adventure in Lisbon, Portugal. We spent 4 nights in Lisbon. In today’s post I’ll cover what we did and the cost of our vacation in Lisbon.   A Note About Our Expenses It wasn’t […]

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A Tale of Three Lounges

You haven’t heard from me in a while because the BITA family was on vacation. We were in Lisbon, Amsterdam and Split for nearly three glorious weeks. Becoming a productive member of the workforce again has been tough and I can barely wait for the day when the end of […]

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The ESPP Bible – Part 3

In the first two parts of this series we have seen both the best of ESPPs (an ROI and risk profile that you would be hard pressed to beat), and the worst (the dark underbelly of ESPP taxation). In part 3 of the ESPP Bible we are going to cover […]

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The ESPP Bible – Part 2

In part 1 of the ESPP Bible we learned why ESPPs are such stellar investments, and why you should fall over yourself in your hurry to sign up for the plan should you be lucky enough to have access to one. Today, we will examine the dark underbelly of ESPPs […]

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On the path to financial independence: August 2017

2017 has started to accelerate at a pace that is leaving me breathless. It feels like just yesterday I was standing before you, giving you the lowdown on July. Between now and the end of the year we have a holiday in Europe, a trip to Napa Valley with friends, […]

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The ESPP Bible – Part 1

It will come as no surprise to regular readers of the monthly updates that I publish that a goodly chunk of BITA household income comes in the form of company stock grants from our employers. Mr. BITA’s company gives him Restricted Stock Units (RSUs), my company also gives me RSUs […]

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Budgeting For Sporadic Stuff

If you are trudging along determinedly towards financial independence, and possible early retirement, it is safe to say that you have a target number in mind. It is also a pretty safe bet that you came up with that target number by calculating your annual expenses and then multiplying that […]

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Befriend An Immigrant; Your Wallet will Thank You

I am a first generation immigrant to the U.S. I moved here from India when I was closing in on my 30th birthday. Immigration, even the cushy kind that I was lucky enough to experience, is hard. More than once in those early days I was overwhelmed with homesickness. I […]

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