How do you break the pattern of living paycheck to paycheck and barely getting by?

Guys, what platform do you use to trade US stock?

What states have a big law market where I can get the most out of my dollar? Also currently work for CA firm, if I move to another state does the state tax rate switch to where I live?

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

A gold-backed international currency. Yay or nay?

My company is based in NYC but we’re working from home till 2021. Wife and I put all our stuff in storage and headed to Florida to stay with in-laws. No idea when, if ever, we’ll be back to nyc. Anyone know how I can get out of paying NY state and city taxes?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

[Help]

I started trading during Covid crash. Started with equities and eventually moved to options. Earlier lost a month's salary and then lot more trying to recover it. Currently have lost my yearly salary worth and it's affecting all aspects of my life (job, marriage, health). I have tried to convince myself to consider it a loss but always get back trying to recover it.

Any advice how to deal with it. Thanks.

First gen, first year lawyer here. What do you do when you have family members who expect money from me every paycheck. I try to stand my ground but I get guilt tripped, especially when those family members were there for me.

It’s getting hard to save money when there is this expectation that I must give them money every paycheck. It feels like I have nothing for myself.

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

What do folks think about the Uber credit card? I already have CSR and citi double cash. Worth getting it?

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

Can I still do a backdoor ROtH IRA for 2021?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Anyone feel a 6 month safety net isn’t adequate enough for the recession we’re going through? I just fully funded my 6 month goal and need to figure out how much I contribute to 401k

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Normal to have "no appraisal contingency" and or "water conservation plumbing to be finished by the buyer if it is not completed by the seller when escrow ends" normal terms when buying a house?

Do you think student loans will be wiped out by 10k in the next 2 years

Google stock to buy now or after the split?

No one is talking in this grp. Why?

Hey guys how do you find time to watch anime in your busy work schedules?

Hello all, I'm a junior machine learning engineer and contract is about to end in about a month. So I would love to know some opportunities for which I can apply or get a refferal for the same.

Thank you.

Any jobs for SAP BASIS on cloud?

Hi,

Any position open for wordpress developer?

i have 11+ years of experience in php development. last 8+ years i m working a a wordpress developer. let me know.

Thanks.

Hi fishes,
I'm looking for a software Engineer internship please help me if your companies are hiring.

I work in clinical Oncology - Really would like a higher level position in management. Anyone work in this industry have any insight?

What’s everyone doing today babes 🧐

Hi all, I recently moved to Tampa and I’m looking for my next opportunity (ideally in-person). I have previous experience in consulting and would love to make new connections down here!

What’s your worst experience with a senior? (As an associate)

Poll: What dress code do you follow at your home office?

Is cerner a good company to join over Deloitte india?

What's the pay scale for Technical support engineer I role in Cerner, as in IRC team??

What’s up at Amélie? Looks like Cam Day may be leaving. Is that true?

What is the probation period in CGI?

Anyone have a recommended tax person in Chicago?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Best high yield savings products?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Thoughts on personal loans to consolidate Debt?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Anyone ever use a credit repair service and have success?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

What does 401k mean?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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)

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?