So just did my budget, and since I got out of CC debt, I am bring home $1,234 (lol…need to play lotto with that number) after all my bills. Putting half of that into a Emigrant direct account a month until I get 20k in the bank. Car has less than a G left on it…Summer should be fun!
Anyone going to have a killing today(April 2)? Market is almost to 8k now.
As for me, I really need to be more patient: quick example, bought MPEL beginning of this year for 3.11 in anticipation for Chinese new Year(didn’t quite worked out), sold it few days ago for 3.50. I check market today, it broke 4.00 :crybaby::crybaby::crybaby:. That could’ve been extra 200 dollars profit for me :annoy::crybaby:.
Good luck to everyone else: Remember to play with money that you absolutely KNOW you can let go :bgrin:.
quick questions-
-is it possible if i get Cs in my classes and still get 3.0 gpa? is that possible? if so how.
-i go to a community college, and gonna transfer after 2 years. now, when i go to a UNI and finish the other 2 years, will my jobs look at my GPA from CC, UNI, or both? people told me about this but i dont know who to listen.
I’ve got around $4k in a savings account and around $500 in checking, both with ASB, and small amounts (both under $50) in checking and savings with BoA. Would it be a good or smart idea for me to open up one of those savings accounts with Emigrant? People on here seem to have had general good results with them. Any other advice people would be willing to give would be great too.
Both I’ve graduated back in 2005 and I know… They look at a cumulative level…
www.redneckbank.com is giving 5.25% for APY savings 10k limit max & you will need to make at least 10 transactions each month to qualify for the 5.25%
I’ve got Redneck’s money market account. No transaction requirement but you get a 3.1% yield for it. There are some issues with the website though. After your initial deposit they won’t let you transfer any more money in for a month, which I thought was pretty weird.
Sent me a nice beer can insulator and a key ring though.
i have to pick between these two for summer class. what i need help is which one is easy? i’m talking about easy like 1+1 easy. i’m lazy and i only get things done at the last minute. any tips?
if any of you could tell me what you actually do in these classes, so i can have an idea what it’s about. thanks.
Don’t really want to start a new thread for this and figured folks here could help me with this.
I’m slowly but surely gearing up for a house search, any advice on ‘where to go’ in terms of finding an actual house? Word of mouf won’t do it as the folks where I work want to live all the way in bum-phuck West Virginia:confused:
- :bluu:
Before you even get the notion of searching for a house, you need to BUDGET and make sure you know how much you can afford. You don’t look for a place to go on vacation before you know how much money you can spend. Also, you need to factor a lot of things before thinking about a house.
- If you can afford it
- What you can put down on it
- How your credit is (cause this is the single best calculator on what you can get/if you can get)
- If you lose your job, can you still make payments (IE savings you should have before getting a house)
There are also more than just your mortage payments as well, you have to factor in Water, Power, Gas, Cable, Home Owners Asso, Pest control, property tax and home insurance.
When your able to figure all that stuff out, then you can get intouch with an agent to show you the ropes.
What was said in the last post was pretty good. Homeownership definitely has some surprise costs. Do get that budget together, figure out all your current costs, and then if you’re able to put at least 10% of your money into saving each month, ideally 20% then sure, it might be a good plan. You’ll need to have extra money on hand for repairs.
Choose a house that you would love to live in, not one that you’re concerned about the property value increasing with. Don’t buy the place if you think you’ll live there less than 5 years. When you do start shopping around and you get mortgage quotes, make sure you add in all of the extra insurance costs that they usually leave out. Don’t skimp on any kind of coverage.
Yea, also be prepared to see your checks go up in flames every month as well. Half of what I make goes to bills (including house note) a month.
If you want to causally look for a house, all you need to do is driving around in an area that you feel you can live in, but you have to ask yourself these questions:
- Do you want to be close to your job?
- Will you have the same job in 5-10 years?
- Are their other companies near the location you can get a job if you switch
- Is their shopping close (2-5 miles) away?
- How far is the nearest police station, firehouse, hospital
Typically you want to put 20% DP on a house when you find one, looking at the current prices in VA…a townhouse is about 300ish right?
I’m hoping for a foreclosed POS top be honest. I’d like to actually do alot of the work myself cleaning and straightening it out. the BIG question for me is location, I love Falls Church, but if things go well, I’ll be working near PT Mills, and I do NOT want to do that commute. Whats the point in making extra money if you burn up your ‘play time’ in traffic. I’ve had my budget, which isn’t much on my current salary, but I’m grinding on it. the joys of being a bachelor tired of living in an apartment!
- :bluu:
Even if you find a POS, all those things above will still be there; then you have to add in the cost of your projects
I know and understand that, I’m moreso at a lost in the actual process of FINDING a place, outside of just driving around looking for “For Sale” signs.
- :bluu:
I have a Realtor still in the area, but you got to come with everything I posted else your wasting yours and his time
Can anyone recommend a good free stock ticker site or freeware program? I’m a little unsure of my job’s future come Monday (layoffs…right before business picks up for the summer. Boss is financially taking care of his sons, who refuse to get their own vocations…buying them houses, paying them WAY more than anybody in any position in our company is making…but you know how the rich pamper their kids). With a liquid 90+k in my family’s finances and stocks depressed but creeping back up, I think now would be a good time to purchase stocks of companies that are integral to America, and reap the dividends. I really was motivated when I heard the other day that several had better-than-expected profits.
finance.yahoo.com is in the same vein. I like the way their virtual portfolio is set up. No play money, but I can see all my news arranged nicely.
When you get around to tracking your actual purchases, I have found the portfolio tracker at MSN works really well.
I realize It’s pretty unlikely that anyone’s bought stock based on anything I suggested here, but just in case-
If you bought AK Steel when I was suggesting it, I think you should sell. It’s had a very fast run up in price, which is actually a bad thing. At the current price it sells for more than 300 times earnings, and your chance of loss is much greater than your chance of making more money from here. From where I recommended it, we made about a 40% profit.
Preservation of capital should always be your #1 concern. Two scenarios are likely from here. In the next earnings announcement, expectations will be met and earnings will improve. However, since the price is already such a high multiple to earnings, the price probably won’t go up very much. The other scenario, much worse, is that earnings disappoint, and the price of the shares will crash. In either event, the money to be made has been made for now, and there are better investments out there.
For what it’s worth, I’m moving the money I earned on AK Steel into Pfizer, they seem to be getting ignored right now. I also think that Harvest Energy Trust is at a great price.