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What are the superlative ways for debt recovery?
posted by: JamesMartin @ Tue Sep 16, 2014 4:21 pm
For maximum people, pick up the telephone to call a consumer and request them for payment isnít the best part of their day. Actually, in most completed work and under controlled credit divisions, debt collection calls are positioned dead last or fall off the "to-do list" totally. Fundamentally, the fact is that making debt recovery calls takes maximum people out of their relaxation zone. They donít feel assertive with the procedure, so they panic humiliation or failure. If debt recovery is one of your responsibilities, hereís some good news. Yo...
Comments: 0 :: Read More >> What are the superlative ways for debt recovery?

selling home to pay off debt
posted by: jdepp @ Mon Sep 15, 2014 3:06 pm
I am drowning in debt and would like to know if this decision I am contemplating is worth it. My wife and I have a combined college debt of +-$100000. We have incurred over the last 15 years of marriage about $15000 in credit card & personal loan debt. We have had a combined income for 2-3 years for the time we were married but for the most part living off a single income and now with 2 kids. I am looking into a career change to increase my overall income and taking some part time classes with a weekend job as well. This should theoreticall...
Comments: 2 :: Read More >> selling home to pay off debt

Events as Stock Market Prediction Models
posted by: egrizzly @ Fri Sep 12, 2014 6:21 am
I was curious about using "events" as a way to predict upward movement of stocks. Say for instance, the US announces it will start bombing campaigns to a certain area. Does this mean that the stocks will go up for those companies supplying jet fuel to fighter jets?

....or if GM announces production of 10,000 cars. Does this mean that stock will go up for the smaller companies that supply them with air bags?

What is the name for this type of prediction strategy. I would like to do more research on it? Share if you know. thanks.
Comments: 1 :: Read More >> Events as Stock Market Prediction Models

Help! I have no idea what I am doing.
posted by: Tricky205 @ Wed Sep 10, 2014 2:30 pm
If anyone can offer some advice, I would really appreciate it. First, I will admit I am horrible with money. I just turned 40, married, with three children under 10 yrs old. I recently changed jobs, and rolled the $108,000 I had in a 401(k) into a managed IRA account with Thomas & Sons, through Schwab. Most of that was profit sharing contributions from my employer who would contribute roughly around 11% of my annual salary regardless of what I contributed. I still have about $80,000 in law school loans I'll be paying on for another 15-20...
Comments: 3 :: Read More >> Help! I have no idea what I am doing.

Help optimizing credit score before home purchase
posted by: Smoth @ Tue Sep 09, 2014 2:21 pm
I am a graduate student who is looking to purchase a home in the next 1-2 years, so I am trying to strengthen my credit score as much as possible in that time (current FICO of 750). I have never missed a payment nor have I paid any interest, so I thought I was using my credit cards wisely until I started looking into the factors that affect my score. I do not have any other loans or debt and have never missed a rent or utilities payment.

I have 2 situations I am unsure about:

1) I signed up for a 0% financing for 48 month store card ...
Comments: 4 :: Read More >> Help optimizing credit score before home purchase

Feedback on retirement thinking
posted by: jackhandy @ Sun Sep 07, 2014 3:27 pm
I am looking to see of I am missing something in my retirement planning. I am 40 years old and recently paid my house off worth 100k and have no debt at all. I am fixing to renovate my home with about 10k in order to move to another house and rent it out. I am hoping rent from my old home will fund a good portion of my new home while also paying it down. I make about 80k/year (53k take home). I save half of that every year. I have a plan to buy 3 more homes valued at roughly 100k/house by 2019. If everything goes right I will have all 3 homes p...
Comments: 2 :: Read More >> Feedback on retirement thinking

posted by: Wino @ Fri Sep 05, 2014 6:15 pm
I have a chance to negotiate a job. Basically, we have a customer who needs some help in southern Iraq, but not where the current hostilities are happening.

I need to offer one of my guys a cash bonus, over and above his pay, to go to do the job. Our bonuses are paid on a day-to-day basis, so I'll need a number as "$X per day."

How much would you want to go to southern Iraq? They will have security in place, and evacuation plans, as well as other contingency plans. Safety should be as assured as it can be in this political climate.

Comments: 0 :: Read More >> Hypothetical

The Lies of Real Estate Agents
posted by: Redtea @ Thu Sep 04, 2014 6:53 pm
I feel sorry for honest real estate agents. Oh, they're out there, I guarantee it. Only you won't find them on the top producer lists and they don't have many friends. Telling the truth in real estate is a hard, lonely road and it grinds down those who try to walk that path. It's an industry that rewards people for lying and, in many ways, your customers do want the truth.

That's a bold accusation but I saw it over and over again during my days as an agent. I had customers switch to different agents because I would try to steer them away fr...
Comments: 0 :: Read More >> The Lies of Real Estate Agents

401k loan payoff question
posted by: Talking401k @ Thu Sep 04, 2014 6:13 pm

My Wife has a 10k loan she took out from her 401k. We have 16k in savings and are thinking about paying off the loan. Would you recommend using 10k from our savings to pay off the 401k loan? Are there any repercussions to paying 10k from our savings into the 401k? Can our taxes be affected at all? Any advice or information is great! Thank you
Comments: 6 :: Read More >> 401k loan payoff question

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What should I do while back in the US?

Buy a rental at 20% down [1]
Pay down wife's car; never buy a house while you still have debt [0]
Pay down your primary mortgage; peace of mind is most important [0]
Forget all that! Pay off your primary mortage first. [0]
Stop your retirement savings! Put all you can into real estate rentals [1]
Are you stupid?! Look at my comment to see what I suggest, instead. [1]

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