DeepSeek poses a challenge to Beijing as much as to Silicon Valley The story of Liang Wenfeng, the model-maker’s mysterious founder

Vanguard fee changes extended until 28 February 2025 The changes will now come into effect on 28 February 2025 (previously 31 January 2025). If you do choose to leave, you will not pay the minimum account fee if you have instructed a full transfer out and/or a full withdrawal or closure of your account before 28 February 2025. This applies even if the transfer or account closure process is not com…

Target date fund vs. building my own portfolio. Hi, y’all. I’m 26, in NY state, make $55k annually, and contribute 7% to a traditional 401k with a 5% company match. Earlier this morning, I did some digging into said 401k and then into Vanguard’s 2065 target date fund and realized that a substantial part of my money is going to some companies that I would really, really prefer it not to. I kno…

How long should I wait into starting new job until getting prequalified for a home loan? Hello! I’m starting a new job soon that pays much higher than my last job. My wife and I are also trying to buy a home in the next 6ish months. Is there a certain amount of time of having this job until I should wait until getting prequalified? Does it matter at all? I have good credit (760) and enough in investments to use on a 10% down payment…

Working as a 1099 contractor and what to charge per hour Lets say I get $35 per hour at a W2 job and I am being offered to work 1099 doing the same work part time on the side at another company. I want to make at least 1.5x my current pay after taxes. How much would I markup my labor? I feel for consulting and doing work I should make even more than 1.5x but thats a good initial goal. I live in a sout…

Why Alignment With Customer Service Is Crucial For PPC via @sejournal, @timothyjjensen Understand the significance of customer service in PPC strategies. Discover how it can influence customer loyalty and long-term business growth The post Why Alignment With Customer Service Is Crucial For PPC appeared first on Search Engine Journal.

Clueless on taxes should I move things around? I am admittedly naive when it comes to taxes and best course of action to minimize taxes paid in the future. My spouse and I will be fortunate enough to be earning a combined pension of approximately $22K a month when the time comes. We are lower end of 40’s and both max out our tax deferred retirement accounts. I’m nearing $400K while she is ne…

Google Launches Open-Source “Meridian” Marketing Mix Model via @sejournal, @MattGSouthern Google launches Meridian, an open-source marketing tool using advanced modeling to optimize ad budgets and measure campaign effectiveness. The post Google Launches Open-Source “Meridian” Marketing Mix Model appeared first on Search Engine Journal.

Layering Success: How To Target High-Intent Users In Google Ads via @sejournal, @LisaRocksSEM Learn how audience layering in Google Ads can help you reach the right people and maximize the effectiveness of your advertising campaigns. The post Layering Success: How To Target High-Intent Users In Google Ads appeared first on Search Engine Journal.

I’m 19 and paranoid about overspending. Should I be budgeting more or am I paranoid? Hello, I’m 19 and currently working my first job in fast food making $17.05/hr. I work anywhere from 10-30 hours a week depending on the scheduling, our specific chain is considered on the bougier side of fast food so the tips usually cancel out what taxes take from my check. My paychecks on average are usually in the $500-$700 range, and I get …

Scaling Up: How To Expand Your SEO Services To New Markets via @sejournal, @jasonhennessey Learn how to scale your SEO services to new markets and drive recurring revenue without sacrificing time or sanity. The post Scaling Up: How To Expand Your SEO Services To New Markets appeared first on Search Engine Journal.

WordPress Shakeup Signaled By 3 Recent Events via @sejournal, @martinibuster Three events signal that a parallel WordPress community is gaining momentum The post WordPress Shakeup Signaled By 3 Recent Events appeared first on Search Engine Journal.

Life has destroyed my budget and savings in two months and I’m at a loss This is not a post asking for hand-outs, just advice and maybe some kind words. On Nov 30th 2024, I felt my/our (SO and me) budget and financial situation was in a decent place. We had about 2k in saving and an okay balance in everything. Debt gets paid, we can afford rent and food. December is alway though but we managed, until my mom got hos…

Late Roth IRA conversion? I do not have a 401k and my IRA accounts are through Wealthfront. I contributed $6912 into my Roth IRA for 2024, but didn’t realize I was ineligible until I received my W-2 a few days ago. Hoping to correct my mistake, I was doing a lot of research about performing a backdoor Roth. 1) I opened a traditional IRA – it required $500 to open an acco…

Totaled My Car & Feel Lost I totaled my car two days ago and I don’t know what to do. I was deemed at fault and I only have liability insurance. I only got a minor concussion from the airbag and the other person involved wasn’t hurt which I’m thankful for. I had to pay $300 to get it towed and it’s waiting in the junkyard right now until I can find the title to give them….

What’s the smartest thing to do with my money NOW to be able to buy a house in a couple years? I’ve been looking at getting into investing, but all everyone talks about is a Roth IRA. obviously that’s wise and something I’d like to do, but what can I do to grow my money more in the short term? And be able to take that growth out in a couple years and use it to assist in a down payment for a house/etc? Edit: I’m fresh out of college and cu…

Was not paid a part of my salary for 2 yrs I work for a big healthcare organization as W2 and contracts signed every 3 yrs. 2 yrs ago they changed the pay itemization in 3 parts: part A is base salary, part B is overtime pay, part C is stipend for doing extra work not initially in my contract. Part B is very variable and so it is hard for me to track and predict what my bi-weekly pay is….

Pay down my 30yr 5.875% loan? Or not? I get flustered with details. I’m a first time homebuyer who bought a $330k home in the Midwest with 25% down late last year, term was 30yr 5.875% (with points). So that leaves me with about a $240k loan. Generally I don’t like debt, specifically the sense that I am paying some unknown entity for the privilege to use their money over the cours…

529 Ownership Change I know this question is asked a lot but it’s still not clear to me if this is possible. Background: My mom set up a 529 for my child (now 15) 10 years ago. She put in the initial chunk and I have been contributing to it monthly since then. I’ve also given the gift link out to friends who have made deposits. She has been reliable and trustworthy…

im 18 trying to buy my first car I turned 18 in june and just finally received my first credit card. I work as a medical receptionist and i make a little over 32,200 a year. My plan is to save for about 5-6 months (worst case scenario 3k best case scenario 5k) and then apply for a car loan through my bank. I uber to work mostly and thats what i plan to use my credit card for so…