In the US for about 5 years. Looking to cash out and move to Europe then. 401k matched. What next steps would you take to manage the rest of your cash?

where is the best place to sell or trade in my used car? (2019 van low km’s)

So wanna run something by you all. Looking at insurance plans. There are 4 plans that allow an HSA. 3 of the 4 are identical.
500 firm contribution to HSA = ~21/ pay period. Add that to lowest HSA premium plan. It still comes out lower than the out 3 plans. So what am I missing?

Generally curious how many companies offer phone reimbursement? My last gig did not but the current one does. Legally it seems, all employers are required to do so if we use our phone in literally any capacity (video call, slack, teams, emails etc). How prevalent is the issue of not reimbursing phone dues?

Ever hear of a temp-perm role in industry? The company tries you out for a few months before hiring you as an official employee. They won't pay benefits until I'm an official employee but in the(cont)

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

How do folks effectively save for a house down payment and max retirement?

Max you would spend on a condo/apartment with about $1.5M NW and 500-750K income? No kids so no fixed costs currently for childcare and school though could see those emerging in the next five years. Otherwise pretty low key lifestyle with maybe a few meals out a week. Interested in hearing both from a purchase price and rent perspective. Thanks!

Any recommendation on books that discusses cryptocurrency? I am reading Vigna The Age of Cryptocurrency now, but is there any other book that discusses more extensively on one of the fintech(e.g. Smart Contracts)?

I am begging to leave Bank of America for my debit card/checking account. They are the worst. There has to be some good national banks that people recommend out there. Does anyone have any debit cards that they love and recommend?

How much is “market” comp for a 5th year, general civil lit, AmLaw 200 defense firm with usual benefits (health, dental, 401k match up to 6%). I’m LA based. TIA

I’ve been in coinbase for 3 weeks. Made a decent amount on litecoin and etherium. I have been reading about binance and bittrex. Which one is a good move forward to buy different coins (OMG)?

My wallet got stolen month and a half ago its worth 700K today .... By the way money invested was 10K only.

Was disappointed for couple days because it was my mistake for not paying attention to the scammers.

Back in the market and recovered the losses and money invested, isnt this an amazing bull market!!

By the way im not rich so that money would have gave me a life change.

What should i ape on next fellas?

Received an offer to upgrade my Amex Everyday to an Everyday Preferred for 40k points. Is that considered a good offer? And if I do upgrade, will it count towards 5/24?

Looking to pivot into healthcare consulting. I come from a MHA background with a two year Administrative Fellowship following it. Any experience breaking into one of the top consulting firms with this type of background?

What's the best single site for business of healthcare news, now and in general?

Any creatives impacted by Forsman Bodenfors layoffs? That agency does beautiful, powerful work.

I feel like I need a good cry

I’ve had several great interviews with a few diff companies. Or rather, I thought they went well but then I get the dreaded “thanks but we made the difficult decision to move forward with other candidates”. I’ve asked for feedback but so far have gotten none.

I know it’s competitive out there, but I also don’t know how I can either position myself better, seek positions that are more aligned with my expertise/experience, or work on improving certain areas.

Any advice on how to proceed?

When did you tell work about your pregnancy?

Hi Fishes, How long does it take to finish the BGV at Amex? Do they call or email for any information? My DOJ is next week and has heard nothing from them yet.

Please suggest what to do.

What is the process involved in Onboarding? Have not received a laptop either.

@American Express

I currently work at Fidelity Investments in the call center. I want to move my career towards in person planning at a branch and there isn’t a lot of opportunity here at Fidelity to do that in my area. What are some other good firms to work for? I was looking into Merrill Lynch, Morgan Stanley, Edward Jones, and some others. Thoughts?

Have 3 years of work/ research experience and I just had a recruiter land in my email asking me to apply for a UX research internship and part of the application process includes a “research challenge”.

Getting a buncha
🚩🚩🚩🚩
Vibes

And lol- this is for a federal contractor… haha no wonder the IT talent for our government is so bad compared to industry when they seriously are out here lowballing people this hard

Can we appear for interview for devops after doing the basics of devops,git,docker,k8 and Linux?How much deep questions they ask in Devops interview?

Hello all. What questions are generally asked during system design round in case of interviewing for Frontend Developer roles (YOE 3 - 4 years, tech stack: React Javascript, React Native)?

Hi Fishes,

I have joined coforge on November 2nd and I got offer from ITC today...Can I switch to ITC by obscanding will there be any issues...Please guys please give your suggestions

Are there any ea roles hiring (mainly Chi but flex to elsewhere) with chill creatively minded environments? I am great at the work but can’t deal with the typical buttoned up seniority bootlicking LOL

I’ve heard salaries have gone up quite a bit in the midst of the pandemic and I’m wondering if this is true for EAs as well. There’s a myriad of data online about EA salaries depending on age/experience but I’m interested in salaries from jobs accepted in 2020/2021 specifically!

Please feel free to share:

- Your salary from any job accepted in 2020/2021
- Any offers you may have received but rejected
- Your length of experience

Thank you!

Why do people in this industry say "like" so much? It makes it annoying to, like, walk around the building and listen

T2 consulting —> MBA at M7–> top tier IB —> top tier PE/HF. Is this feasible?

While this bowl grows, I thought I’d have a question to kick things off:

Why did you leave consulting? What do you do now? How did you make the switch (upskilling, referrals, etc)? Pros/Cons?

Are bars now open later in the city? Saw people still hanging out at places after midnight, on my way back from a friend's. Curious what the deal is

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

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.

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

Which assets to invest pension into?

Thoughts on purchasing VGT, VOO and VTI right now?

Can someone help me understand the advantage of Backdoor IRA. In my case, I don’t think My taxes will be higher in retirement than they are right now (32% tax bracket currently)

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

If you were to buy only one, ARKW or ARKK and why?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Investing US 50k per year on a joint income of 170k. This on top of mortgage payments for a 400k penthouse. How does this look?

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Does anyone here have experience investing with Masterworks (platform for investing in fine art)?