u/hussar013

Hi everyone I’m an incoming freshman in Illinois and was hoping to get some advice from others that once were or are in a similar boat. Got a really great financial offer and in return I need to be a part of some program which includes a seminar, not sure what I need to do about it but I’ll ignore that for now because I’m sure it will come back to me. I am also part of the honors college program so it might look a bit different.

I’m a biology major B.S. and was hoping to see if anyone knew what courses I should take or are required of me to take for medical school requirement fulfillment. I’m planning to attend all 4 years, probably not graduating early but have credits from (APs, Dual credit, state credit)
•Macro
•gov politics
•western civilization history
•calculus 1
•environmental science
•composition
•a bunch from seal of bilateracy in Illinois
•nursing class(idek how it got transferred to that)
•speech
•4 credit hours in elective

Do I have to retake any of these? I’ve read med school want to see you take math and English but I alr have so much English done on top of calculus, requiring me to take calculus 2 and stats (maybe just one?)

Any help is appreciated it, I feel overwhelmed with this and like some of these credits are pointless if I have to retake. I have an option to graduate early but my school cost is minimal as I have almost a full ride and if I keep up with this would rather reinvest the time into clinical or research (planning to do emt at a near by college (8 credit hours) and drop my credit hours that second semester of freshmen year to 12 from whatever it was first semester that I’m asking for help on, but if would love help across any)

Our budget is around $30,000 preferably in the $25,000 US range. We have been looking at Civics, Hyundai elantras, Mazda3 which I’m a big fun of, mother has a CX90 Phev and is also a huge fun. We can’t quite find the right car, a car that is reliable, makes enough power to move a little through traffic if needed, technology is good, sound system is important as well.

We are looking for deals where APR is around 0% for 60-72months, we found the mazda3 hatchback has it at 1.9% for I think 60 months and Tesla although out of that price budget has it at 0% for base Y and .99 for the premium Y. Premium model 3 is around the .99 as well I think, the monthly of the Tesla is near double the monthly of the Mazda but factoring in the gas cost, maintenance, etc. it comes out to the same if not more expensive. Those APR deals are also available only to the new cars and so I know a lot of value will be lost when purchased, especially for the Tesla.

What do you guys think, which is worth having. Anything else I should look into. Just trying to get the most bang for the buck, will be trading in a car worth a little under 15000 (got a quote from carmax) so that monthly should be around hopefully 300. The lower the obviously better.

Let’s say you just went back to when you were 18 years old. You have $20,000 to play around with, you already set a few aside for emergency and whatever else you need, you explicitly have $20,000 and just opened a fidelity (whatever brokerage account you want) account, you kept your experience but you can’t predict a stock market. What are you investing in, where are you putting what money? HYSA, CDs, Stocks, etc.,

Some transparency, this scenario is very specific… it can be taken from it I’m speaking from a personal experience and well it represents part of my life right now. I’ve worked for 2 years, makin 20 bucks an hour now, got into college on a full ride practically, going in as a pre med with 40 college credits off the start, going to continue working first semester and then switch over to EMT classes the next and quit working. I’m financially okay as is, got a car, have a few k sitting in my checking account and $19,000 in my fidelity account that I just opened up not too long ago.

I know a little bit but not enough. I’ve got a few EFTs picked out like VOO and QQQM on top of individual stocks like IONQ, NOW, SOFI, AMZ, maybe IPO from spaceX (mixed feelings on it if there is a limit to when u can sell) etc., nothing too crazy but here is where I need help. I’ve been off the stock game for a hot second and not too sure about everything, I’ve been recommended by a high positioned and extremely knowledgeable person to put it in CDs and maybe, just maybe S&P500. Others said to just put it in stock.

As is the 19k sits without being invested accumulating 3.2% from fidelity. I’ve been thinking about splitting it up like this, 11k in a CD (offering 4.2% for 1 year), 5k in EFTs, 1k for individual stocks as mentioned before, 2k in liquid sitting at 3.2% just in case

Let me know what you would’ve done in my situation. This is not a long term forever retirement investment. This is a 4 max year investment, before maybe continuing staying as is for the next 4 throughout med school, although that might not happen depending on how much it costs, and I might have to pull some out to pay for it. What happens if you break the CD contract in fidelity if you know, lmk.

Thanks for the help!

Let’s say you just went back to when you were 18 years old. You have $20,000 to play around with, you already set a few aside for emergency and whatever else you need, you explicitly have $20,000 and just opened a fidelity (whatever brokerage account you want) account, you kept your experience but you can’t predict a stock market. What are you investing in, where are you putting what money? HYSA, CDs, Stocks, etc.,

Some transparency, this scenario is very specific… it can be taken from it I’m speaking from a personal experience and well it represents part of my life right now. I’ve worked for 2 years, makin 20 bucks an hour now, got into college on a full ride practically, going in as a pre med with 40 college credits off the start, going to continue working first semester and then switch over to EMT classes the next and quit working. I’m financially okay as is, got a car, have a few k sitting in my checking account and $19,000 in my fidelity account that I just opened up not too long ago.

I know a little bit but not enough. I’ve got a few EFTs picked out like VOO and QQQM on top of individual stocks like IONQ, NOW, SOFI, AMZ, maybe IPO from spaceX (mixed feelings on it if there is a limit to when u can sell) etc., nothing too crazy but here is where I need help. I’ve been off the stock game for a hot second and not too sure about everything, I’ve been recommended by a high positioned and extremely knowledgeable person to put it in CDs and maybe, just maybe S&P500. Others said to just put it in stock.

As is the 19k sits without being invested accumulating 3.2% from fidelity. I’ve been thinking about splitting it up like this, 11k in a CD (offering 4.2% for 1 year), 5k in EFTs, 1k for individual stocks as mentioned before, 2k in liquid sitting at 3.2% just in case

Let me know what you would’ve done in my situation. This is not a long term forever retirement investment. This is a 4 max year investment, before maybe continuing staying as is for the next 4 throughout med school, although that might not happen depending on how much it costs, and I might have to pull some out to pay for it. What happens if you break the CD contract in fidelity if you know, lmk.

Thanks for the help!

I’m planning a trip to Poland, will be staying with my family in Warsaw, near the center but planning to visit Aushwitz, maybe an old fighting castle if any recommendations, historic roads or buildings. Just places to visit. I’m planning to either stay fully in Warsaw as it’s free with my family and just get food or stay a bit in Warsaw and then travel and stay in Krakow for a bit, whichever is the most reasonable option, lmk. Any recommendations and planning is greatly appreciated. I’m going by with my girlfriend for a week anywhere between July to August 24th because school starts soon after and a little on the budget since the plane tickets are in the $700 area as is. Any advice on the length in what city, what to do where, etc., is greatly appreciated, I’ll be booking in less then 2 days and need to make up my mind.