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 Looking for personal loans(worldwide). No scammers pls and no upfront fee. No bullshitting- genuine seeker.? |
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Hello,
What Ways have you made money from the internet?
Also Have they ever payed you?
Will they pay via paypal?
Cherrs
LittleBoyH... |
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Wait till you get a disconnect notice?
There you go MyMx................
:-)... |
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Additional Details
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Mel | Should I see a financial advisor? |
I'm 26, and just finished graduate school. I got a job that provides me insurance, but pays less than $30,000 a year. Plus I don't really enjoy it that much. I have about $8000 in credit card debt, and about $28,000 in student loans. It's kind of freaking me out, and I want to just get it all paid off before I think about buying a car or a house or anything like that.
I would also like to start learning about investments, IRAs, etc.
Would a financial advisor be able to help me, or would it be pointless? |
 |
 
its not my time
 |
Try a non-profit organization for help.
http://www.incharge.org/ |
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boardbiker
|
financial advisor is a great idea or read one of Richard Bach's books. like "smart women finish rich". |
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starofsong
|
yes |
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ya think?
|
yea |
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beae314159
|
Look your a smart cookie so let's not panic. Lets save a few bucks and time by NOT seeing a financial advisor at this time.
I guessing that your credit card rate is much higher than your student loan rate.
Step 1. Call your credit card company and ask for a lower interest rate, if they refuse look for credit card with a lower rate and if you find one transfer the balance make sure the rate is lower and you can transfer without cost to you. You are doing this due to the fact you are unable to pay off the balance all at once, you're trying to save a few bucks in interest on future payments.
Step 2. Always pay off your highest interest debt (usually credit card) at the fastest rate possible. Why? This will get you out of debt faster and there are almost zero investments at your level of investing returning 14% to 21%, the rate most cards charge people with less than perfect credit.
Step 3. If my assumtion is correct and the credit card debt is higher than the student loan. Make minimum payments on the student loan until credit card debt is zero.
Step 4. Ask your employer if you can participate in their 401K program. If so ask if they have matching funds and the terms of the matching. ie. if they match the first 3%, contribute 3% of your salary, this is an instant 100% return. In your case 3% of $30,000 is 900 per/year or $75 per month, out of your pocket before taxes. A 3% matching means the company will contribute $900 per/year if you participate. Your HR department will give you the details on matching, vesting periods, etc. for your company's specific plan.
Always pay bills on time the goal here is to enhance your credit score which will affect the interest rate you pay when you do buy that house or car.
Stop freaking out! This is your first job out of grad school soon you'll be making a lot more money. The fact that you're worried and are seeking a solution makes me think you'll be just fine. Good Luck! |
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..........
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Pay off your debts before doing anything else. There's no harm in applying for better jobs while keeping that job until you find a new one. www.sharebuilder.com is a great place to invest and investopedia.com is a great place to learn about investing. A financial advisor many times give you bad advice and end up making you lose more money or rip you off. |
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Just M
|
You can do one or the other .....
pay the lowest interest rate , credit card
Or
pay off the highest interest rate
which every makes you feel the best ........
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~...
>>>>>>>> commenting <<<<<<<<<<<
Over 70% of people in USA are in the credit crunch
you aren't alone ............The best thing for everyone to
do , pay off those credit cards as soon as possible .
Oh I realize it's easy said than done ...........
Because gasoline prices , food , housing , jobs are
hurting everyone . Middle class people are the ones
who's in debt , low income , they don't have much to
risk , rich people has the money ......its the middle
class who has more to worry ........"millions ". |
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Whitney
|
A financial advisor, or financial planner, would definitely be able to help you. It would be great to set up a comprehensive financial plan that will allow you to pay down the debt and begin to plan for saving for the future. If you go to the website of the Financial Planning Association you should be able to find one in your area. The earlier you start saving, and paying off your debt, the power of compounding is on your side and you can grow a nice nest egg! |
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pity
 |
if you want to learn about investments, i suggest you read "rich dad poor dad" by robert kiyosaki. |
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pomegranatepants
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financial advisors are really expensive. they're really meant for people with a lot of money that need capital investment. just go to the library and check out some books by suze orman, she gives great advice. |
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Jennifer
|
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://twurl.nl/q8wgol |
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