 Any ways to earn money online? |
I have used PTC programs like:
http://www.jakelynagh.co
I have earned $13 from that, but I want to know any others that i can do at the same time? thanks.... |
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 Survey: How many have savings set aside? |
| Many are struggling and losing. Do you have savings, I know I don't.... |
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 I have 75 dollars to spend, but not sure what to spend it on? CLICK for more details on what I like.? |
I have 75 dollars but idk what to do with it.
Things i like:
Guitar (supplies)
Video Games
Music
Additional Details
Well the 75 dollars is on one of those ... |
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 How much money would i need? |
to live a good modest life in the Los Angeles area?
30,000?
40,000?
50,000?
higher?... |
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 I want to be rich? Were do I begin? ? |
I must I mean I must, I know I will, But were do I begin?
I can't be the black sheep in my family(the only one thats not making the millions). My brother tony(28) and my brother joey(2... |
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 Bank charges - how do the banks get away with it? |
| can my bank charge me £25 for being 51p short on a direct debit !! my bank have charged me this and i feel its totally unfair and dam right wrong ! help somebody please !... |
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 Have i done sth stupid??? |
| I got £100 for my b'day and i used it to buy a flight to be with my g/f on new years eve....even though i already had a flight booked on new years day!!!!... |
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 500 A Day? |
| What would you do and how would your life change if you were making $500 a day?... |
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 What would you do? |
I have a $4000 tax rebate coming in mail.
Would you:
A) Pay off debt (Debt is $4000)
B) Or buy a newer car (My car has a lot of things mechanically wrong, to fix around $300... |
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 Can a cashier's check be cancelled? |
| The party I sent the check to says they never received it. Can I cancel the cashier's check and transfer the money out of my bank account?... |
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 Scammed on EBAY? |
| This woman contacted me and told me to ship it to her before the auction ends because she needed it asap so she gave me her phone number and Address. (it was a P.O Box) and told me she would ship ... |
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 I owe money but i dont have it right now...? |
| I owe approximately $1,000 to collection agencies (3), I really want to pay them, but I honestly do not have the money right now. I am keeping myself out of more debt by making sure I can pay my ... |
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 What should a 15 year old do to be on track with finances? |
| Should a teen have a certain amount saved up? What should be some short and long term goals?... |
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 How can I get a creditor to stop calling ? |
| I've been dissable for 4 yrs. & I have one creditor "Target Visa" who I have explained my situation COUNTLESS times. I'm unable to repay the bill as I'm on a very limited ... |
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shalshelet | Which is a better way to use extra money? |
My husband has a big Canadian student loan (not eligible for tax exemption in the US) at 8.5%. Should we pay down this loan first (we don't have any other major debt at present), or invest/save? Or alternatively, there is an option to transfer the loan over to the states, but it would be at a higher interest rate. Also, he's not eligible for a 401k plan until Feb or March. How would you recommend using extra funds?
Also, if you answer invest/save, what type of account would you recommend?
Additional Details
It would be helpful if you could explain why your suggestion is the best choice. Thanks. |
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El Conquistador
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You should do both. It is important to start making your money work for you now. You"ll always be in debt somehow. I suggest a book by David Bach called "the auotmatic millionaire". It is very easy reading and he offers some very practical solutions for the every day person to not only pay off debt but also set up a retirement account at the same time. Good luck! |
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qst2sin4eva
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student loans are the few debt that is considered to be good debt so its ok to have it for a lil while longer. i would say invest, but in what? CDs, IRAs (for retirement), etc. i u wanna invest and earn more or less the amt u owe on the student loan, find out more information on which accts to invest it that would suite ur needs. |
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Edgar A
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I would recommend investing, however, in what you should invest is solely depended upon how much risk you're willing to take. (High risk/high profit, low risk/low profit). You can invest in penny stocks and have a possibility to have 500% return a year, or lose your shirt in a day, or you can stick to CDs, Mutual Funds, 401 K and be comfortable with 10% return a year. I, personally, invest in real estate foreclosures, fixer-uppers, and low cap stock companies that have a revenue of less than 500 million a year. You can also take advantage of the current real estate downturn and buy a cheap house for well below its appraised value, fix it up and turn around and sell it after a month or two (best rate of return out there on investing). I currently am investing in the following companies in the stock market in the technology sector: CSCO (Cisco), AAPL (Apple), and GOOG(Google). These companies are still relativiely cheap considered by some of the top financial analysts that predict another tech rally is bound to happen very soon. In the healthcare sector, I'm investing in a development stage biotech company Xechem , stock symbol (XKEM.OB). It's current price share is 0.0150 (one and a half cent), it's target price by 2008 is 10 cents, almost a 1,000% profit. The choice is yours. Let me know if you have any questions edgarambart23@yahoo.com. |
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rumnroot
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Pay down the loan because it will be hard to find an investment that pays more than 8,5%. After you pay off the loan save some money to use as a down payment to buy your first home as an investment.
Hope this helps |
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malakit
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Open a 401K with Schwab, 10% bonds, 30% large cap fund, 30% mid cap growth fund, 30 % euro/pacifis funds. All should no loads with yield around 9%-15%. Once he is eligible for company 401k, contribute to max. If you follow this plan, assuming your are in late twenties and contributing $400.00 per month, plus company match. Upon age 65 you should have over $2,000.000. The most important key is stick to the plan.
Accelerate your student loan payment. |
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S. D
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Free: Income From Home
Hello,
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To Your Success!
S.D. |
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Jackofalltrades216
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pay down the debt..because it will bite in the future. If you transfer it ..thats of course more money on interest which means less to use towards 401k when he qualifies. With the extra funds consider how much (pay debt/save) being around a 60/40 or 75/25 mix depending on what your overall finances can tolerate. |
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mister ed
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at 8.5% it is not bad rate but for that type of loan it is kind of high. i would spend the next six months reducings that loan as much as possible. when he does become eligible for the 401k plan you should switch and put the max into that account. this way if you are budging ex number of dollars for six months in debt reduction when they start taking a big hunk of change out of his check for the 401k you will not miss the money since you have been living on a reduced income anyway. |
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Sherri M
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Pay off the student loan, then work on retirement. |
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mother
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Paying off debt is almost always more beneficial before working on savings/retirement. By paying your debt off first, you can sink even more into savings when that time comes. Do not move student loan to an US account if it means paying a higher interest rate (suggest making double or triple payment on this until payed).
When the loan is paid off then move on to a saving / retirement plan.
Take advantage of a 401 K as soon as it becomes available to you and put the max into it. Should you ever change employers, do a trustee to trustee transfer to your new employers (vs. drawing it out yourself to roll over into another account). Should you ever face a situation that a 401K is no longer an option for you, then look into a Roth IRA (rolling your funds over from the employer within 60 days). Although contributions to a Roth are not tax deductible, they do grow tax free interest as long as you don't draw it out too soon.
If you can not afford to hire an adviser (some will give free advice - they hope you will eventually require their services) then talk with a professional tax preparer (tax service). I know from first hand they can and will advise you free of charge (they to are hoping you will use them over a competitor).
Good luck to you and do some reading around on the web for some addition knowledge. |
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Darn Dave
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First, make sure you have 3 months expenses in the bank as your emergency fund. This is for the unexpected expenses that can surprise you.
Second, pay down that loan as soon as possible. You never know when an unexpected job loss can upset your plan. Less debt means less pressure when times get tough.
Third, when the 401k becomes available, contribute only enough to get the full match from the employer. After that, or if there is no match, you should consider Roth IRA's if you are eligible(adjusted gross for a married couple filing jointly less that $150k).
These are general suggestions. You should seek the counsel of an experienced trustworthy financial planner to help you make the best decisions for your specific situation and your specific goals. |
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princess
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save in a bank it would be better I think or just open a new card |
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