 Is there a way to make money online for free in my spare time? |
| I'm looking for a way to make money online in my spare time. It doesn't necessarily need to be a lot of money but something worth doing. Any suggestions?... |
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 I RECENTLY WON 8.3 MILLION DOLLARS? |
WHAT CAN I DO?
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clover-s..., you're funny nice try.... |
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 How do i earn atleast $40? |
| im 13 years old and want to know how to earn 40$ i dont get allowence from my parents wich sucks. i dont know any other way ii cant do yard work because i live in a place where there is only ... |
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 I just got an E-mail which says I have won 250$!? |
I am actually very excited can this be true? the suspicious thing about it is that it asks 675$ to pay the check!
The reason?
PLEASE DO NOT REQUEST THAT THIS CHARGE SHOULD BE DEDUCTED FROM ... |
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 What would you do for £100,000 ? |
| without having a job for it, or anything lame!... |
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 Will someone lend me £3000 so i can go on holiday with my kid? |
We have never been able to go away on holiday and probably never will be able to afford it...
I work full time but i just cant manage it being a single father...
I need a ... |
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 Can u get a job when u are 13? |
| ok i really want a saturday job so i can get more money instead of asking my parents. if u can what? plz ... |
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 What would you do with $5,000? |
| So I have this extra money that I recently came across, and am not sure what I should do with it. So it leads me to asking this question... What would you do with it? If your answer is invest, please ... |
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 If i make $465,000 a year can i afford a 4.5 million dollar house? |
| And don't tell me the stupid rule of thumb stuff/ i can live on a budget i just need to know can i afford it if i'm on a tight budget and give to scenarios in a good economy and a bad one ... |
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 What is the fastest way to earn high income from the internet? |
| does working from home work, are all these work from home sites just rip offs.... |
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 I really need your opinion! Is $16.62/hr, full time decent for this job? |
| I am a 32 year old married female with four years experience in the field. also have 180 hours PTO a year and total coverage benefits. I work at a group home for people with developmental ... |
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 I am partially to blame-but please be kind, i am suffering from my own stupidity. now i need help.? |
| i had someone in my life(then he broke his chains and got away-kidding) and unfortunately he was financially highly unethical. more unfortunately, i was too stupid to notice. now i am in deep poo poo.... |
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 What are some of the pratical things wealthy people do to save money? |
| Do they have multiple savings accounts? Are there banks they use that manage the money for them? Do they sign their own checks? What EXACTLY is it do people with money do to manage, save, and ... |
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 Is my friend lying about her monthly income? |
she says she works in a night-club in newcastle UK collecting glasses, shes 18, and says she gets £800 a month
is it possible shes lying?... |
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 I'm 14, how can I save my money? |
| I get 10 pounds a week, but it disappears straight away, just wondered how to save that...... |
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 How will we be able to afford everything if gas prices are gonna be $3.50-$3.75 in 2008? |
That's wayyyy too much.
Highest prices I ever seen.
When will they drop again?
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Give me some creative ideas of your own.
I'll thumb up ... |
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ExpERT. | How can a person who starts earning at age of 35 yrs save money for his/her old age? |
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shana n
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If your employer has a 401K plan that you'll be eligible for within a year, be sure to take advantage of it. Put in at least the percentage that the employer will match up to, and it'll be like earning free money throughout the years that you're there. You can also look into starting a traditional or ROTH IRA that allows you to contribute up to a certain amount each year and the investment grows. WIth a traditional IRA, you cannot take money out of the plan until you're at least 59 1/2 years old, so it's a fail safe way to keep from using the money your saving for something else. |
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Cash ideas Now
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Don't get hung up on the "starting work at 35" part of this. Many people start work as teenagers, and by 35 have not saved a dime. In fact, according to statistics, we are not savers, with the average household having a minus 1% net worth.
That means we owe more than we own. This is usually because we have taken loans to buy things that go down in value, like new cars, big screens, boats, etc.
Start spending less than you earn and tuck the leftovers into a safe investment. You can read over 40 articles on this subject at the site listed below. |
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derek
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Just do it!
IRAs, 401(k)s and all those things are great, but none of they will do you any good if you don't put any money into the account. Therefore, the secret is to put some money somewhere....anywhere is better than no where.
Make saving for the future a top priority and "just do it." |
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elisayn
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It's good you're planning to do this. Put it in an IRA account in a bank. Thats your safest bet.
Go to customer service and they will advise you.
bettyk |
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BTB
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I assume that you are UK based so my answer is.
First up pensions. A pension is merely a tax advantaged wrapper that gives you tax incentives to save but restricts you on how the money comes out - eg only 25% as tax free cash and the rest as taxable income.
For every £78 you put in to a penion, £100 is invested. If you are a higher rate taxpayer, you can claim further tax relief via your self assessment return.
Many employers will match an employees contribution to a pension so I would check this out.
Next Individual savings accounts. Whilst you do not get tax relief going in to this type of plan, any investment within them is free of capital gains tax and some income taxes.
You can contribute up top £7,000 pa to a maxi isa or £3,000 to a cash isa and £4,000 to an equiy ISA.
Next property. You may have missed the boat for the moment but a buy to let investment is not a bad idea over the long term. As you have 30 years to retirement, long term fits the bill!
Good luck :) |
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barn owl
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take out a private pension |
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cdf_luvs_dsf
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open a savings acct that earns a good amt of interest. you could invest your money. you could put it into cds or iras. there is alot of things that you could do with it. you should talk to your bank. im sure that they can supply you with some great options. |
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Kaska
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Best to do this thru your employer. It is taken out of your check and you will not miss the money. |
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kamillian19
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Use discipline....regardless of the path you take...commit yourself to saving a specific amount and hold to it. Once you get enough, look to someone to help you invest, but do your homework before you just go with anyone who calls themselves a "financial adviser" |
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Steve B
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Put as much money as you can into a Pension (SIPP) scheme.
START NOW - every £ you put in now is worth about £10 later ... 35 is already late - the recomendation is to put in 10% of your salary starting from 25. You will need to put in about 20% of your Salary.
Your Pension Provider claims back Tax. You contribute 78%, they get 22% back from Inland Revenue - for example if you put in £7800, the Pension Providers get back another £2200 making your fund £10,000.
If you pay Tax at 40% it's even better ! (you claim back the extra 18% in your personal Assessment at the end of the year)
Max. contribution == your annual salary !
It doesn't have to be 'new' money, you can put in existing savings ... it's the fastest guaranteed way to turn £7,800 into £10,000 that exists (until Gorden puts a stop to it)
NB. Buy Index Tracker Funds. |
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CountTheDays
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Assume you have 30 years to build a nest egg. Pensions can be a good way of saving if your company runs one make some additional voluntary contributions to boost your final payout. If you have spare cash buy long term bonds that have a good rate. Aim to save a third of your take home pay. |
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dels replies
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By not spending unnecessarily and buying the biggest pension you can.It would mean leading an almost poverty level life now in order to have a bit better one in retirement. |
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Tufty Porcupine
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Join a company pension scheme if they have one and consider making additional voluntary contributions.
If not, take out a private pension scheme.
Also consider tax free savings schemes (e.g. ISAs).
If you afford to invest in property, that is also worth considering. |
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Alan
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all things also can happen if i.I will do it and save in the bank account |
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kjokergo11
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Many many good answrs for this one. Go to your bank or credit union, as them if they have Money Market Savings there, if so put 90% of your current savings into this Money Market Saving s account, its better protected and instead of getting about .40 % interest on you regular saving, you will get between 3%-4% percent savings in the money market Savins, also you can have money from your earnings each month go into a CD, use 3 month CDs. as the money will add to them faster and as they grow lets say in 5-8 years, if you dont touch those CD's let the interst keep growing, they will be worth a Few thousand dollars each, Plus CD's are very safe, Well protected not like the Stock markets or Mutual funds. Average on 3 month CD's should be from 3.75% to 4.5% interest. Its not the lottery, but its constant growth.
At work you can find out if you do have a 401-k. If so have a certain amount percentage withdrawn from your pay check , usually at work human recorses will tell you that the company will meet your percentage to a certin amount, maybe 2-3%, So make sure you cover this amount of percent to go into the 401-k.
buy the time you retire or leave the company, the amount you have built up will be doubled as the company will have to match that amount to a cetain percentage. When the day comes and if you are not of the retirenment age yet, make sure you dont take the money out, go to the bank or credit union and have your 401-k Rolled Over into another account, thus you wont have a big tax taken from it, sometime people take the money out from the company thinking they have free money to spend and not know that the government will take up to 50% of it, when they are not of retirenment age, its called an Early withdrawl penalty. so be carefull when that day comes, to make sure to Roll this money from the company into something else at the bank you are at.
There you go. Simples Stuff that is very safe. |
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Kade
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lead a business and store it in your bank. |
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alex p
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open a bank account... |
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Brock H
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401k, roth ira, savings acct. put 15% away and you should be ok. |
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Dr. Karaoke
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Roth IRA is the best bet. most only take 1000$ to start and you can add more to it or let it grow. no check deductions if your work has no options for you. contact your local bank that you have a checking account with they can help a ton!!! |
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Diva
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You can get into any type of retirement savings program with your company if they have it. A lot of times that is the best way b/c they may match what you put in. The next step if you have the extra money is put it into mutual funds in say an IRA/or a Roth IRA. If you make it automatic and reinvest your dividends and capital gains then you barely notice the money coming out of your pay and compounding interest works wonders. All you need is a little bit. Say 50-100 bucks every time you get paid (provided you can do it that way.) Also if you do a 401k with your company it lowers the taxes you have to pay. Believe it or not 35 is not a late time to start at all...you can still have a pretty nice savings if you start now. The biggest thing to do is to begin. :)
Mutual funds work well too b/c they allow you to invest in many times of stocks and bonds as opposed to just one or two. And when the stocks are down it won't hurt you as much in the long run. |
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caryn h
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The best thing i can recommend is that if you have any debts, you must be willing to do without any extras like going out and put that money towards getting your debts paid off. Once you are debt free, you'll have more and more money to set aside and get good advice about investing it. Good luck!!! |
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