Excellent thread, i had to subscribe because i waste all of my damn money n have noting to show for it, i think i literally shit it out because i spend alot of money on food, eating lunch take’n out the GF eating out Ect.
THEY put money down like that… i just shake my head sometimes cause id be damn if someone pays for vacations/school/girlfriend money wit my hard earned dollars that i just handed over cause i swore i could beat him at bubble bobble… yeah they bet on anything an some cats (ie justin) are just gifted at every game on the planet when it come down to money being involved…
then ya see people in threads like this wit debt that DONT live on their own… but to each their own right…
Player: hey koop wanna play best of 5 for a 100???
Koop: ill play you for a high five an a snickers bar
I did’nt read through all the pages, but how can i check mu 401K?? I’ll read back n c if anyone already explained.
any good stocks people think i can look into? axys is doing really well that i put some money into.
Check with your employer on how to view your 401k as it depends on what service they use. For most companies, it’s Fidelity which is http://www.401k.com
Stumbled upon this article on Lifehacker. I’ve been thinking of opening a separate checking account in this fashion strictly for play money and relatively small spending (food, small supplies, etc.) and keep my primary checking for bill paying and bigger ticket items. This way, I might be able to do away with my high-APR airline miles card.
Thoughts?
I love the idea…:tup::tup::tup:
EmigrantDirect.com’s savings accounts are down to 2.75% APY! What the heck, man? Might as well start up a savings account at the local bank branch now. Jeez.
Market trend man, probably local banks aren’t even at 2.75%…(dont know, havent checked)
I would just like to add a comment to all of this. Well, what we do realize is that the economic outlook is grim at the moment. With everything collapsing from the housing market to insane amounts people pay for gas and food now, we’re in a bind that forces us to choose between filling our stomachs and filling our tanks to fill our stomachs. The American government has been in bed with big business for quite sometime, but the last administration displayed its callousness and bias to the populace in the Enron, Wolrdcom and Bear Sterns fiascos while employees, homeowners, and other hard working people endure the consequences. We add this with the factor of job insecurity, low wages, and the vanishing social security system, and a banking system with outrageous interest rates and we have a vicious cycle.
EA wants Take-Two…it aint gonna happen until GTA4 hits, makes at least 80-90% of its lifetime loot, then Take-Two will fall in. Then I quickly expect the staff to bail as the way EA handles things will scare away most quality driven developers I had a friend who worked for an EA office in FL
As for financial advice…diversify your bonds (>_<)’.
- :bluu:
Fed cuts of course. Every time you hear the news about Feds cutting interest rates to help boost the economy and encourage spending, that’s the tradeoff.
We truly appreciate your redundancies and I, not only on SRK’s, but the WORLD’s behalf, would like to thank you for contributing nil to this thread. Your pessimism, along with everyone elses will remain unnoticed because your contributions and efforts quite frankly do no affect policy.
How have you been personally affected by the thriving environment of investment banks and finance? Did you lose your house? Is that candy bar too expensive for you?
This thread is chock full of beneficial advice regarding finance. People have asked REALLY GOOD QUESTIONS, and have been provided advice that will benefit their lives one way or another.
Here is my advice to you:
If you’d like to make an altruistic contribution to the world, please join the peace corps asap. Are you aware that over half of the people living over the US poverty line possess a television? If today’s US economy is putting a damper on your cartoon network and speed channel, I suggest comparing your situation to a farmer in Zimbabwe, or a villager in China, or someone living off of their land in Brazil.
Thank you so much for your polisci essay and negative-i-help-the-world-out-but-in-reality-i-dont-do-anything rhetoric. It really helps us all.
^ Wow, sarcasm makes us all look smart. Opps, I did it too.
The great thing about America is that it IS NOT Zimbabwe, China, or wherever. Pls don’t pull that “There are starving people in Africa, eat all you’re vegtables” line.
i dont give a fuck if you cant afford a gallon of milk, or if you think the economys trash right now. there are plenty of other threads for that, so leave it out. keep your policy shittalk out of it.
a lotta people like ace, koop, night and akuma keep this thread alive and good by giving good advice and/or asking good questions that help people financially.
just an fyi: my e-trade savings “tanked” too, to 3.75. in terms of nearly no risk savings, i dont think there are many other options but id love to hear if other people moved their cash around.
^Your whining about the whining contributes zilch either, as does my whining about your whining about the whining.
Ace: Thanks for reposting that paragraph about the two accounts. US Bank offered me that when I first signed up for my student account. The deal was that I’d have two checking accounts, and they’d both be linked to protect from overdraft, and I can basically use it as a savings/personal funds type deal. I’m gonna give em a call up and see about doing that, as I just went with the student account at that time.
EDIT: What are you guys’ opinions on store credit cards(such as macy’s,walmart,etc.)? I was looking at getting a Borders credit card, but I hear store cards have higher interest rates than regular cards.
My position on them is a love/hate thing. I shop at Best Buy all the time, so I have a BB card, I only use it when I have enough money to pay off what I am buying. Plus, having 0% interest on some bigger products doesn’t hurt either. Now, you are correct with them raping you with the interest rate, so I wouldn’t buy a CD or video games with it cause your paying more in the end.
I wouldnt go ends and get every stores card though, I have BB and probably will get a Kohls card later down the line (using my wifes, get 15% off anything) so they have their perks, but make sure you have the money to pay them off ASAP!
In any type of credit card situation, I throw interest rate out the window as I pay the balance on each monthly statement.
For store credit cards, it depends on the benefits of having it and if you frequently purchase things from that store. I’ve only used my Macy’s store credit card once ever because they were telling me I signed up for it that day, I got a 10% discount from that purchase when I bought my grandmother her watch. I paid for it and that was the end of that.
Other ones, I’ll use more regularly, like Gap/Old Navy/Banana Republic (same card works at all three stores of course), where for every $250 spent, I get a $25 coupon, so that’s not so bad. Grocery store credit cards are probably pretty good since that’s a regular expense, so the points are likely to build up pretty good which leads to pretty good savings, so you have to weigh how much benefits you get from the store credit card vs. your standard Visa/MC/Discover/etc. A Borders card… I don’t really buy books all that frequently to capitalize on whatever in-store benefits it has, so I wouldn’t go through the trouble of signing up, maintaining the account and everything, so I’d personally pass.
Look at how a credit card will help you, not hurt you. If you see it as a way of hurting you in ANY way at all because you see higher interest rate and that is an issue with you, you have any issues of paying off your balance each month, stay away because you obviously have cash flow issues that need to be straightened out first that don’t need to be further hindered with more credit cards.
uh…
Man dont get me started on the real estate thing but thanks for the obvious sir
Wow :lol:
Well I dont mind them I just cant stand of how the department stores are constantly on you with the 10% savings bullshit. Having a charge with BB like Ace stated is cool but Borders? why bother if you like books like that go to the library. Dont be surprised that some of the books u are interested in is in the library. Save your cash man
Again great shit Night
The reason why most stores have credit cards is because they have to pay money every time you use something other than their credit card. If you go in with a Visa, I think Best Buy is charged with a 2% charge fee for your purchase. Thats why you get the savings cause basically its no cost to them if you use their credit card.