u/Nearby_Brief_2484

I’m an international student studying in the US from Korea and was diagnosed with Crohn’s this past summer while I was back in Korea.

One thing I’m trying to wrap my head around is how different the U.S. insurance system will be. In Korea, Crohn’s qualifies for a government program that heavily reduces the patient’s share of medical costs. For example, I paid roughly $40 for an MRI and around $30 for a colonoscopy. I also have private Korean indemnity insurance, which reimburses about 80% of many of the remaining eligible costs, so my actual yearly medical spending has been pretty minimal.

I’m returning to the U.S. now, and after graduation I already have a corporate job lined up that comes with employer-sponsored health insurance.

For people here with Crohn’s who have decent employer insurance: what do your yearly healthcare costs usually look like?

Should I basically expect to hit my out-of-pocket maximum every year because of biologics, colonoscopies, MRIs, labs, GI visits, etc.? Or is that not necessarily the case with a good employer plan?

I’m still learning how deductibles, copays/coinsurance, specialty pharmacy benefits, manufacturer assistance programs, and the out-of-pocket max all interact in the U.S., so I’d really appreciate hearing what people actually end up paying in practice.

Coming from Korea, where my Crohn’s-related costs have been extremely low, I’m mainly trying to figure out what a realistic annual healthcare budget would be in the U.S.

I’m a new grad software engineer in Seattle making around $200k/year, and I’m trying to decide whether it makes sense to get a car. I’m a little hesitant because the tech market feels unstable right now (+ on a visa for additional job insecurity), and layoffs are something I’m trying to be mindful of as someone early in my career.

I’m not planning to buy a brand-new car. I’ve been looking at certified pre-owned BMW i4s or similar EVs, probably around the $35k range. I could pay the full amount in cash with my sign-on bonus, but BMW seems to be offering 2.99% APR financing on the i4, so I’m wondering whether it would be smarter to finance and keep more cash on hand instead of paying it all upfront. I already have a emergency fund saved up from college so that is currently not a concern.

For context, I live in Seattle, so I’m also questioning whether I need a car at all. Its been ~1 month into my job and the lightrail has been pretty reliable for commute, however I like the idea of having one for convenience, weekend trips into the PNW, and general flexibility, but I don’t want to make a financially dumb decision just because I can technically afford it. Also its my first real "big" purchase in my life, I guess I'm just overall concerned about making big purchases because I've never done one before.

I’d appreciate any advice on whether this seems like a reasonable purchase for someone in my position, and whether financing at 2.99% makes sense if I already have the cash..

I interviewed at Meta, Amazon, and Microsoft this year, and personally, I found Amazon to have the hardest interviews of the three, despite the word around Amazon being the easiest one to crack.

Meta was one 60-minute round with no behavioral questions and two LeetCode medium problems. Meta almost always pulls from their LC-tagged list, and this time, the questions were also from their top-tagged set. Lowkey just had to memorize all their tagged list to pass.

Microsoft was two 45-minute rounds, and both were standard LeetCode medium problems.

Amazon was 3 * 60, where all three had deep dives into Amazon’s LP and LC technical. Of the three technicals, two were LC hards (topological sort, graphs), and one was a medium (DP). All three also had fairly lengthy follow-up implementations.

Amazon really stepped up from their 1*45 min interviews from the past years huh

I'm staying in U district this summer, and I got a place by 7th ave and 40th st, right by the I5. Just wondering about the general safety in the area, and if there are any specific safety concerns I need to know (ie sketch blocks to stay away from) other than just general street consciousness.

Hey everyone, I’m currently a Junior and could really use some advice on my timeline for next year.

I was lucky enough to secure a FAANG internship for this upcoming summer, but I just landed a F500 internship offer for the Fall. My main goal is just to maximize my chances of having a full-time New Grad offer lined up by the time I graduate.

Here is my dilemma: If I take the Fall F500, I could potentially secure 2 return offers (FAANG + F500). But my biggest worry is that working a Fall internship will completely nuke my time and energy to grind LeetCode and apply during peak NG recruiting season.

Initially, my thought process was that if I get the FAANG return offer, I’d 100% take it over the F500 and not even stress. But with how brutal the market is right now and the constant tech layoffs, that F500 is starting to look like a seriously viable backup plan. The NG TC is lower (~$100k), but it’s in a MCOL city, has great WLB, and they basically never do layoffs.

TLDR: Do I take the Fall internship to secure a layoff-proof backup offer or do I decline it so I have enough time to actually grind for FAANG+ New Grad roles in the Fall?

https://preview.redd.it/jer41lnz182h1.png?width=4000&format=png&auto=webp&s=4a238c858288563e3eb3dc7c5aabaddec7c114db

CS Junior at Ivy, literally couldn't get a job last year in the US so had to go back to my home country for an internship, but glad this year worked out better!

Personally I found this year's recruiting cycle to be slightly better than last year, with better callback rates and even got some outreach from random recruiters from LinkedIn and email.

Both of the two offers finalized last week, so it was so brutal having to deal with recruiting for the entire year, but I'm just very happy it worked out in the end as I was ready to go back home this year as well and put the fries in the bag

Got the waitlist placement after my standard 60*2 interview, asked to provided availability for both summer and fall. Trying to gauge how many people are on the waitlist and if people heard back after being placed on the waitlist (summer or fall)

I'm an international student rising Senior student and was able to secure two offers for this summer, and was contemplating which one I should choose.

Option 1: Chicago Prop Firm back office swe intern

Not a big name like HRT or Jane Street, but a smaller prop firm based in Chicago that's been around for a while. Work seems pretty much cruising with only 2 days in office. Team was chill but strong vibes of 2nd citizen compared to algo dev and quant team.

Option 2: AI Startup in SF

Seed Round backed by A16Z, genuinely interesting product to work on. WLB seems horrible ngl with 60~70 hour work weeks reported on Glassdoor but I heard this is becoming the norm with AI startups. Talent here seems to be legit cracked, with literally 99% of the people being ex FAANG+ (Deepmind, Waymo, Google X, etc), so I hope I can learn from these people.

I'm prioritizing growth but stability is also important for me since I am an international student. What would be yall's choice?