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!

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

I have a place in NYC and FL and planning to stay in my place in FL for a good 8-9 months. Is it fair to keep my job information the same and just declare to the IRS where I spend my tax year? Or do I have to actually relocate back and forth?! Using TurboTax, it looks like it just asks you where you lived & work and how many months.

Can I pay my mortgage with a Bilt card to earn their rewards?

26 no debt, working in a bridge role and planning on leaving ASAP due to instability. Mom has cancer.
Considering grad school but I want no debt.
Would it be a bad idea to take out a mortgage loan and buy a quad pled in the event of a loss of income I can at least still take care of the family?

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Anyone else feel like the markets always conspire against them? I.e. I have a “fun money” day trading account and bought two stocks about a year ago. Sold them because they weren’t doing anything and I found a more attractive investment and then they’re up literally 60% over the next three days after a year of 0 movement.

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

How much are you contributing to your 401k?

first time freelancer here - should I make a second bank account or do anything special to track income for taxes? or just pay estimated taxes quarterly and square up during tax season?

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

My 911 just started production and I'm thinking about when it arrives. I've never financed an expensive car before, any tips? Do I go with Porsche Financial? My local bank? Other?

What to do with stocks/crypto accumulated in US, sell them when moving back to home country after completing H1B ? What about taxation when you hold and sell later ?

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Thoughts on Transfix? Anyone invested?

What do you all use to file for taxes after switching to h1b?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

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)

What margins and font size are you all using for your resume?

Hi All,
What is the market range of salary of an Assistant Manager in compliance (regulatory, Insider trading, AML) with 6 years of experience in a listed company?

£50k TC, 2.6YoE working within the change arm of a bank ——- what do experienced fishes think is a good next move for someone like myself? Might want to move into consulting one day with ultimate aim of MBB but also enjoy technical coding work, particularly in credit risk / counterparty credit risk in banking — could use some fresh perspective ; quite confused atm as interested in many things! Don’t mind staying in change management either TIA - appreciate any advise

What's the best no-code or low-code platform for me to build out my startup idea? It would be a website/app that allows users to upload pictures of items and post a one-time review, and allows others to like/dislike the item. They would be rewarded for each item they review. It's not a Shopify since there's no items sold, just verified reviews.

Hi there can anyone tell me what a day in the life of a health unit coordinator is like and is it a step up from a regular CSR job or lateral move?

Hi, I am currently a Sr. Radiation Therapist experiencing burnout. I am currently looking into other positions within healthcare that does not involve direct patient care. Any suggestions of routes I should take?

How would you handle not getting a lunch break when you are a salaried employee treating patients for 40 hours a week? I don’t get documentation time either, but all notes are to be completed the same day. Some of us have reached out to HR and we’re told to discuss it with the regional director, but the regional director says we’d have to come in early or leave late to block out a lunch break. My commute is an hour each way, so I’d prefer not to make my day any longer. Advice?

I am in need of some advice I have a bachelors in healthcare administration. My long term goal would be a CEO of a hospital. I am looking at masters programs and need some advice as what to get my masters in. I could get my masters in healthcare administration but would like to look at something a little different maybe healthcare leadership or something. Anyone have some advice?

Any utilization review nurses working at an insurance company able to share if your company requires work on weekend/holidays? If so, what work do you do on weekend/holidays snd do you work s full day on those days?

How much do Nursing Assistants make in Michigan? Metro Detroit more specifically?

Should I trade Mitchell and 10 FAAB for Tyson Williams?

Has anyone heard of American Securities? Any insight into comp, culture, WLB - whether it’s their investment team or resources group?

Anyone ever use a credit repair service and have success?

A summer associate has a side hustle business. It’s ok until they are barred right?

What's the amount you generally spend while buying office clothes?

How much time it takes to get call for HR round after having managerial round of UBS ?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Anyone know of a good cross-border US/UK financial fiduciary?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?