Can someone explain high yield savings accounts to me? Why doesn’t everyone use them? Should I switch banks so that my HYSA is the same as my checking account?

Has anyone reevaluated their retirement methods after a life-altering experience? I used to invest a lot more ($5k or so a month), but after losing one of my parents last year (mid-50s), I’ve wondered if it’s better to just enjoy life as we are living it. So, I started investing a lot less. But I always see people on here talking about all of these retirement schemes (backdoor Roth, mega-backdoor Roth, etc.) and I’m wondering if there’s a happy middle ground somewhere.

What will be in in hand salary at 14.4 CTC? I have education loan as tax saving

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Really hoping to avoid judgment on this post. Has anyone had to sign up for government or state assistance after becoming unemployed? Was the process difficult? I have a young son who's at home with me all day right now and I'm looking for a job that I can work from home, but in the meantime we need to eat and I need to pay my rent. Thanks for any advice.

Luggage delay claim question

I used Chase explorer to buy tickets for my vacation and luggages were delayed for a month. Per chase term I am entitled $100 a day for 3 days. But the claim agency chase used has been asking for airlines response, which has not came (2month+ now). I am concerned insurance will use this as an excuse to never compensate. Is there a good way to handle this situation?
TIA

Any insights as to the best conversion ratio when transferring AMEX points? Corp account is being closed and el Google is too much

Thoughts on investing in VNQ if you plan to buy real estate in the future?

I am selling a huge portion of my stocks this week to purchase a property. Mostly selling off the stocks which are over an year and with good profit.. however, there are few stocks (less than a year old ) which I think not doing so well and I am planning to sell on a loss. How can I use this to my advantage on my tax benefits?

I was offered a position at fidelity. Now when I trade on behalf of a client, will I get commissions for that trade?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Does nagarro deducted tax from first month's salary, as company is saying that we can only show our investment once first salary is credited.

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Need help! I am a working mom of 2 young kids. I have an offer for about $25k more than I make currently outside of public accounting. It’s 40 hours year round, amazing benefits, with a pension (cont)

Is it technically possible for a realtor to both represent buyer and seller and earn from both ends?

Is putting your rainy day fund in something like VGLT a terrible idea? Trying to consider options outside of HYSA, with a bit more juice.

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

I found one of my coworker's anonymous Twitter accounts, and it has a ton of red flags involving bigotry, sexism, etc. It's a personal account, so should I mention it to HR or not?

Is it too late to get biontech stock? Seems like we are going to get vaccines for Covid on a regular basis?

Hello I am currently interviewing at Deloitte for a position as Oracle Test lead. What level and compensation should I aim for?

what is the core business operations group in Deloitte?
What are the main roles & responsibilities of Specialist Senior in the Core Business Operations group?

Is technical accounting lucrative? Trying to decide between various exit paths.... any cons?

Pregnant with my third child now and wondering what is the right time to tell work. I did it really early with my first two because I wanted to plan ahead, but now thinking about it, I feel like it just set me up for failure those years because I was reassigned from tasks and kept underutilized.

What's a Design Director salary range in NYC? The next level will be a Creative Director. It's studio owned part of a more extensive Agency network.

Is SYW UBER integration dead?

Hey Media Fish - any recommendations on a tool that helps validate media mix (how much to spend with who)

Anyone recently joined Optum in India? Did you receive welcome gift?

Anyone here have friend(s) with benefit? How has it been working for you?

The more I work in advertising, the more apparent that majority of companies (and my own colleagues) don’t know how to reach consumers like me. It’s absolutely tragic. (Cont’d)

There’s this guy at work I really like. We’re really really good friends but I’ve caught feels since the day I met him and I just want to tell him how I feel but I don’t want to ruin our great friendship. He’s the closest friend I have.

Agency producer here. I have an interview with an in-house agency tomorrow and I’m trying to prep myself/anticipate questions that the Exec Producer will ask. Any sample questions you guys can think of? I feel so rusty, it’s been over 5 years since I’ve interviewed anywhere. Very much appreciated!

Fishes Anybody joined wipro from a contractor to permanent hire? What is the process in getting converted ? NoC needed from vendor payroll company?or automatic conversion if management wipro needs it?pls throw some light

If my clients are the firm’s clients, it’s up to the firm to let them know I am leaving right? I’m leaving for a government position so I can’t take them with me anyway.

Hello,
I had an interview last week (25th Oct) with PWC UK, anyone have any idea when I am likely to find out the outcome. Cant find anything about it online, I am so impatient, I need to just try and forget about it, but I dont want to invest my time in applying for other roles either. I feel like everything is on pause at the moment. If anyone has any idea’s or knows of any delays etc I’d be grateful if you could share.

In terms of total comp, who do you think makes more: an EP at an agency or a mid level producer at a FAANG company?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

I can’t stop feeling so behind all the time. It seems like every one of my peers doesn’t have to worry about student loans, car insurance (paid by their parents still) etc. I keep thinking about how if I didn’t have all these bills I’d maybe have some savings that I could be proud of. Currently A2 making 65K in HOL and I feel like I’ll never be able to save up for a down payment or wedding or anything. Just feeling discouraged.

If I have a six year old and 150k in a 529, can I say I’m done?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Does anyone put money into CDs anymore?

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

Is it worth it maxing out my 401k (no employer match, just profit percentage after a certain period) and Roth if I want to retire by the time I'm 40? What other tips would you be giving someone who wants to retire that early? I'm in my mid 20s and just started investing and spend less than 50% of my big law salary.

Hello, so I have 1k-2k to invest. Are there any stocks you see with high potential in a few years?

How safe is storing crypto on blockfi to earn interest? Seeing recommendations to store crypto offline for safety. Hence trying to gauge if it’s worth the interest on blockfi.

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

My rent is increasing about 10% and the parking is going up even higher. Lease is up in October. Is it too late to look into condos or coops? It’d be right around the same price

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

Is stock market surging tomorrow?