Lost thinking about insurance. No kids (but probably 1-2 in the next few years; no house but likely will buy around that timeline). HH annual income is ~$500k (even split between spouse and I). We have some nominal disability insurance through our employers.

Few questions - what insurance to buy and amount? We have umbrella, renters, and car. I think --

1.) Long term disability - not really sure how much we should get.

2.) Term life - assume ladder but how much?

3.) Anything else?

Making the move from personal injury defense to family law/ TE. Any advice to help with the transition? I’m a 3rd year.

How is Fujitsu consulting with respect to work life balance and hike for FJ09 band ? Can some one from Fujitsu address the query?

Procedural question. I represent a hospital. Codefendant is a company that manufactures breast implants. Case was venued in NY state Supreme Court. Manufacturer defendant transferred case to MDL (we hadn’t answered yet). Plaintiff gave me stip of discontinuance with prejudice but now since case was removed I am unsure how to proceed. Do I file the stip in state court still? Does MDL have jurisdiction over the hospital? Can a hospital even be part of a MDL lawsuit? Very confused! Thank you!!!

How to follow up without sounding desperate? I already let them know I have competing offer expiring. They promised to get back to me multiple times but still don’t have final decision from them despite positive feedback.

I recently asked everyone’s age filters on dating apps and there were some mentions of fear of baggage and that’s why you don’t date older than X. What baggage are you afraid of? Ex spouses? Kids from prior relationships? What is it?

Does anyone think it’s out of the question to ask for a 20% pay increase without a promotion? My duties on our team are closer to Director-level and no other Senior PM is managing half of what I am, so I feel like I should be compensated fairly.

Someone bring me back down to earth if I’m asking too much

Hello Guys i am a Developer/Cyber Security Expert from Ahmedabad with 14 years of experience. I am currently looking for a job. Please let me know if someone can help me.

What do you wish you had known before becoming a manager?

Hello Minds, Is there any update for the Mindtree Noida office, is it operational now??

How do i join the consulting bowl on this app? I somehow cant find it? Thanks

What is a fair salary for a NYC data engineer with 1-2 years of experience?

Completed HR round 10 days ago but no offer or updates yet. Still.showing in process. Is the delay due to Easter holidays?

Anyone have a storage locker recommendation or prices?

Friends, help me with 11 likes to start DM .. Thanks :)

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?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

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'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?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Any good wedding ring sources aside from Blue Nile?

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?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

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.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

What does 401k mean?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

In your opinion which is the best target fund to choose in IRA Roth?

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)

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.