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Advice For Recent College Graduate
posted by: YoshiMoshi @ Thu Jul 21, 2016 1:33 am
So I recently graduated from college. Throughout college I worked 30-40 hours a week and even worked two part time jobs over the summer getting around 70 hours a week. I over accumulated and have about 32k USD in the bank doing nothing. I have no debt, no student loans, no credit card debt, and I own my own car that I paid for in cash. I paid for my degree in cash as well. I currently live at home with my parents. I have a degree related job that pays me state average for my degree. I'm still going to school for other degrees but my company rei...
Comments: 1 :: Read More >> Advice For Recent College Graduate

Credit Card w/ Monthly Fee
posted by: BuckeyeTarheel @ Thu Jul 21, 2016 12:22 am
When I was less financially stable I opened a credit card that charges a fee of $7 a month.

I have had zero balance for quite some time and I would only use it in an emergency, but the credit limit isn't very high so it wouldn't get me very far. I certainly don't use it enough to justify $84 annually.

My credit score is on the cusp of "good," and I'm worried closing an account will hurt my score. It is one of my older accounts and I have no credit card debt, if that gives more insight.

I would appreciate advice on keeping the account...
Comments: 0 :: Read More >> Credit Card w/ Monthly Fee

#1 Biggest Money Weakness?
posted by: Travdad @ Tue Jul 19, 2016 5:08 pm
New user here and curious what everyone's #1 biggest weakness is when it comes to money?

My wife and I are excellent savers, have been reasonably successful at the whole "corporate career" game and are investing our savings efficiently (passively) through various types of accounts,....

BUT, we realize our #1 weakness is generating income outside our salaries. Be it by utilizing our human capital or financial capital, at the end of the day, this is our biggest weakness.

Looking to hear what others have to say...and any suggestions wo...
Comments: 5 :: Read More >> #1 Biggest Money Weakness?

Need advice on how to invest in my 401k
posted by: Lauren1059 @ Mon Jul 18, 2016 2:40 pm
I'm a 26 year old who makes 40k a year. I want to invest as best as I can into my 401k and currently know little to nothing about doing so. My work offers 401k options through ADP and from the little research I've done, it looks like they have shit for options. Below are my current investment and then all of the options and current rates. Any and all advise would be greatly appreciated! Below is some information about the 401 k plan my company offers and a list of the investment options.
as of July 15, 2016. Also i'm currently investing 5% b...
Comments: 2 :: Read More >> Need advice on how to invest in my 401k

posted by: redflag @ Sun Jul 17, 2016 11:39 pm
We have consulted a SEO company to help us come up with some online marketing plans for our business. One of their recommendations is to buy backlinks. Our business partner is kinda hesitant about this. He was saying that it will not be surely beneficial to our website. But of course, we want to get more ideas about this before we decide whether to agree or not. So would this be helpful or not? What do you suggest? Thanks.
Comments: 3 :: Read More >> Backlinks?

Student loan repayment
posted by: Paul502 @ Sun Jul 17, 2016 3:22 pm
I am currently 23 years old and just joined the military after graduating college. Unfortunately my student loans are parent plus loans and are about to go into repayment. My parents can't afford to help me pay these loans (and they shouldn't), but since the loans are in my moms name they can not give me any sort of income based repayment plan. So in other words, I am paying back a loan that is in my moms name that I can hardly afford and there is nothing I can do about it. Is there anything I can do to solve this problem? I'm not sure ...
Comments: 2 :: Read More >> Student loan repayment

Advice on should I take this loan?
posted by: redcap454 @ Thu Jul 14, 2016 7:02 pm
I posted this on another forum but thought I would see out advice here also...

I have a good paying job, in fact it pays more than the median family income however because of personal circumstances and other responsibilities I have very little money left over. If I am lucky I might have $400 free each month after paying bills which is ridiculous considering my monthly pay.
Things have popped up like family members who have gotten ill whereas I was the only one able to really help financially and helping take care of needs of relatives who a...
Comments: 2 :: Read More >> Advice on should I take this loan?

Need advice on paying off debt vs using retirement investmts
posted by: toasterchrome @ Thu Jul 14, 2016 7:08 am
I have been struggling in the startup world and have been burned pretty bad a couple of times, and now find myself with no savings and about 50k cc debt (various interest levels, some still 0% promo period) as well as about the same amount 50k in various 401k accounts. I just heard from my credit card company they are reducing my line of credit and that my credit score has recently gone down quite a bit. I'm in my 40s and struggling to get back into the type of good paying job I used to have for years. Very worried about this debt. I'm not goin...
Comments: 3 :: Read More >> Need advice on paying off debt vs using retirement investmts

Best use of 20K
posted by: binken @ Tue Jul 12, 2016 5:29 pm
I am 65 years old and have a small 401K. My wife has a small one as well. I am working and must do so for 3 more years. I received 20K in a settlement and of course it has already been taxed. I will need the cash in 3 years to purchase a retirement home. Where is the best place/best way to store this money so it's easily accessible but out of my regular savings account. I considered part of it for Roth IRA on both of us but not sure if that's helpful at our age.
Thank you for ideas.
Comments: 2 :: Read More >> Best use of 20K

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