Young, single-income household here. Does anyone have any financial emergency planning advice in light of COVID-19? What bills to prioritize, what should wait, what to do about credit card debt, etc.

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Wait on the student loans if they are federal. Interest is waived and, according to our dear orange leader “‘there is more good news coming.” I would recommend stocking your pantry (not over stocking, but having 4 weeks of reserves) and putting money in savings. At least that’s what NPR was saying this morning.

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Call your bank to see if they will waive fees on mortgage or credit cards. If you aren't carrying too much credit card debt, be sure to still pay the minimum. Rates are low now so see if you can take advantage and refinance.

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This. Start talking as soon as it becomes clear you are going to lose income. Banks will understand this. Also, cut waaaay back on spending. Every penny now has a job.

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As A3 pointed out with your bank, that’s really the best advice. And it extends to your rent. Personally contact your landlord, your electric company, internet service provider, etc. Prioritize paying the necessities such as electricity, gas, and water. See if evictions are suspended in your county. If not, prioritize rent as well. If absolutely necessary, secure a 15 month zero percent interest credit card to help tie you over. Cut out expenses as best you can such as cable, eating out, etc.

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Have high limit credit cards with cash asvanxe? Max them, NOW, before the banks stop it.

You can always rebuild you credit.

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Can anybody please shed some light on how to invest your money, specially when the most stocks are overvalued? How should you plan investing?

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Where do you guys invest/save Your emergency savings fund? How many months do you save? I feel I'm more conservative and save more because I work in consulting.

Would it be a smart idea to put 80k on a investment property in today’s market
Or should I wait for the conditions to get better? Today, house prices are relatively high and properties are selling ~20k over listing price. I am not sure if waiting will help though.

Property in Maryland Gaithersburg, DC commute.
Return would ~11% on 80k accounting for taxes, insurances, 5% vacancy and 10% emergency fund.

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What checking account service do you use?

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I want to buy a 3 bed town/row home in D.C. proper with decent schools. Around 950k. Thoughts? Have an infant I need to put through school. Would prefer public

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So I bid on a Delta 33-4xx Radial Arm Saw thinking there was no way I’d win with a lowball, but I’m about to get a $14,000 saw for dirt cheap. And now I need to find room lol

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How long are homes sitting on the market these days? For sale

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How do RSU’s work? Since most stocks are way down, does that mean those lucky to get offers now will have the most upside?

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So I'm a millenial thinking of buying a house, but I've been reading/hearing things about the housing market being in a "bubble 2.0" already. Would it be smart to wait for it to happen? Is it silly?

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What are some personal finance actions that, if needed, must be done by end of year? Let's try to make a checklist!

Tax loss harvesting

Retirement accounts for 2022: can contribute or withdraw over-contributions until April 18, 2023 IIRC

HSA: same as retirement accounts

...?

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I’m finally able to max out my 401k and Roth IRA, and I will be opening a taxable account. I’m just confused on what to put into it. I’m 26 and open to being more risk tolerant. I was hoping some of you could share what’s in your taxable accounts and offer some advice based on my current allocation.

401k:
- 80% Vanguard Institutional Total Stock Market Index Trust
- 20% Vanguard Institutional Total International Stock Market Index Trust

Roth IRA:
- 50% VOO
- 25% VUG
- 25% VGT

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Has anyone successfully gotten your annual credit card fee waived?

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Advice needed - my 12 YO niece wants me to teach her investing. Her parents are supportive. Do I open a joint account with her or an account just in her name?

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Can my wife’s dad apply for a Canadian tourist visa while he’s with us in the US on a B1/B2? His Canadian visa expires few weeks back. Or does he have to go to India to apply? Thx

COVID is scary and dangerous...

... and not at all a species killer and has me super worried about how effed we are if there is ever an extremely bad illness that gets loose.

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Hey everyone.

With recession insight in upcoming months. Which industry do you think would be most impacted and how much impact do you reckon will it have on our jobs?

Will recession hit service based IT companies more or the product based IT companies? In Product based, which industry will be most impacted. Will it be travel based companies, or financial banks based companies, or E commerce/consumer based companies, or any other? Where do you see the maximum impact?

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Hi all! I’m desperately trying to get out of the mental health field and go into consulting. I’m open to other jobs as well as long as they don’t involve coding. Does anyone have any advice?

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First day of distance learning, both spouse and I spent 3 hours each troubleshooting. Kids got maybe 30 minutes of connected time of the 3 1/2 scheduled hours

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Anyone work at wonderful agency in la? I dig their halos campaign but is all they do tv? And are there award opps?

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I'm considering applying for a position at a local tax firm that has only 15 people total. They specialize in work that I'm interested in. I'm not sure what the pitfalls are of working at a small firm. What am I potentially getting myself in to?

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Is anyone currently working with the below company ? Or anyone 's connection working over there.

1) Growexx (Ahemdabad)
2) York IE (Ahemdabad)

My friend is willing to join one of the company but confused. Please help by sharing honest feedback, work environment, company culture.

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Comment where you are cutting back to save money. Here are ours:
- Not doing a presidential suite, instead we’re getting a normal suite and using a conference room for hair/makeup/meals
- Centerpieces. We are doing a few bigger centerpieces, then small bud vases at the rest of the tables.
- Transportation for guests. Our wedding is in a major city and ubers are easily accessible.
- Flowers. No flowers for men, only the groom is getting a boutonnière. No flowers for parents/grandparents.

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Can anyone share some agencies that are 100% remote or close to?

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Experiencing that 0g life

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Any pakis in the house???

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Hi friends.
I joined Amazon 6 months back .
In 2015 i was working under a civil engineer and i had shown that in my experience.
I had no letters provided by my mentor.
The bgv team is now asking for bank statement and offer letter .
After requesting i got experience letter but i dont have anything else to prove that i worked there.
I have not lied but i am not able to prove .
Please help me what should i do in such scenario.would i be terminated .
Its my first professional corporate job

Hello Experts,

Please help me I'm a single mother and I have received an offer from Wells Fargo for Analytics and 29th August I'll be joining but yesterday I even received an email from Amazon for the same position. Since being with 18 months old toddler what is the best? Amazon interview is still left and I'm not sure if the hiring process takes long time.

Appreciate all your help

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How do you tackle ignorant managers and favoritism in the team ?

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Any insight on Taft law? General insight and Chicago/Indy insights are appreciated. Thanks!

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About to start my first PM job! Any tips to be prepared and ramp up quickly? Books to read, courses to take, etc.. any tips are appreciated! Currently in ops consulting. No tech background.

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1st year business law (solicitor) wanting to transition to comm lit. Tips?

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! ATTENTION !
For a Test Engineer of 3 YOE , what would be a decent package ?
I am getting 15 fixed ( 17 LPA CTC ) , i think it is good and maybe on a higher end for my experience but would like to know ur opinion on the same.

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Still better than working in the States!

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How many luxury items do you guys buy on average each year? And what categories?

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Anyone work in IT at Edward Jones? How is the culture? Do they typically demand over 40–50 hours a week or truly want workers to have balance? Edward Jones

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My dear 🐠 friends - If I have someone’s approved I140, can I check if they have filed for their I485 and current status? 🙏🏼

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Additional Posts in Law

Please send recommendations for a landlord-tenant lawyer in NJ. To advise a tenant or sublessor

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Mid term career direction: due to connections I know of an ID firm with an actually good reputation that is planning to open an office in my market within the next year. I’m currently doing ID and will eventually leave it. BUT if the opportunity arises to get on the ground floor and help establish a new office is it worth taking the opportunity? That looks good professionally right?

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Just had this thought pop into my mind: firm most likely to hire Michael Cohen post-incarceration?

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Is it a good sign that my firm asked me to help with recruiting and do OCI? I am rather new at the firm.

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What is the normal pay for a 2nd to 3rd year associate at a mid size regional firm in California? I believe sharing pay expectations is crucial in combatting pay inequality.

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Any insight on Venable’s T&E Practice, specifically in the LA office?

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I want to start a thread about important questions to ask before accepting a job offer. For example, before accepting a job offer I will generally respond to the offer asking the following questions:

1. Health insurance (insurer name, deductibles, my portion of the premium)
2. 401 K (company match?)
3. Bonus structure
4. Required billable hours
5. My office hours
6. Partnership track
7. Will I have an assistant/paralegal?
8. Will I have my own office?

Please add to this!

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I am extremely burnt out. I went to my first trial a few weeks ago and it was two weeks of no sleep and constant berating by the lead counsel. The months leading up to that trial were also very intense. I need a break, but I don’t even know who to talk to about this. I work for a boutique so our HR department is only two people who don’t seem very helpful. But I also haven’t connected well with anyone at the firm (I started remotely during the pandemic). Any advice on how to approach this?

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Does anyone have any info on the boutique IP litigation firm Oppenheim + Zebrak?

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Can we stop attaching unpublished cases yet?

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Don't big law partners at the very top of the market make more than partners at MBB or MDs at investment banks?

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My stress level is bad due to working for incompetent people. One partner would send me work with garbage instructions or for things that are completely out of my expertise, and when I ask for guidance they turn around and ask another attorney to explain to me. What the heck - why would you give me work if you don’t even know how to do the work or what you’re looking for? How do these people make partners?

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Via @NonEquityPartner on Instagram

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Has anyone ever considered leaving the US for Portugal and explored exit opportunities there?

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Curious as to how others wind down after particularly long, taxing days. I sometimes have really tough days (lots of work, meeting relatively short deadlines, etc.) and I find it really hard to wind down. Also, sometimes if I make a mistake, it’s hard for me to drown out my thoughts and not dwell on it for the rest of the night. I try to remind myself not to be too hard on myself . However, I find it physically hard to wind down.

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Sell-side M&A folks, do you usually ask buyer's counsel for a copy of their closing binder?

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I had a disbarred attroney interview for a assistant position. The conduct was effectively she had emotional issues, abandoned her clients and then was disbarred.

She seems as if she got the help she needs and can move on productively. The pros are she can effectively do everything I do and she is cheep. (For obvious reasons).

I want to give her a chance am I making a deal with the devil?

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What’s the shortest amount of time you’ve ever been employed by a firm? What were the circumstances?

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“Don’t work on it over the weekend, but I’d like this by Monday.”

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