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Optimizing annuity, pensions, social security to retire.
posted by: Twoply @ Thu Aug 25, 2016 5:36 pm
Hello everyone!
I'm 42, married with 2 kids (10+12), a mortgage with $155k left and no other debt.

I was in a carpenters union for over 20years but decided to pursue other avenues. I have a pension through that union that I can draw on at 62, which would give me 3,600/ month. I can start to draw on it at 55, but ill lose 25%, giving me about $2700/month.

I have $95k sitting in an annuity with that union that keeps losing money. I am allowed to withdrawl it with no penalty from the union anytime.

I now work for a large metropolitan cit...
Comments: 2 :: Read More >> Optimizing annuity, pensions, social security to retire.


Need advice on my personal finance
posted by: no.moredebt @ Thu Aug 25, 2016 3:09 pm
I am a 29 year old male. 3 years ago I got into day trading and racked up some serious debt.
I started off using my own money in the bank. about 4,000$. lost it all. funded my account with another 4000$. lost that. I then used 18,500$ in credit cards. lost all of that. stupid me just did not want to give up on a dream. So over the course of my day "trading career" I lost about 26,000$.

Now that I have given up on it and am broke, I am trying to dig myself out of this mess and get my life back, along with my credit. I had 5 credit cards that...
Comments: 1 :: Read More >> Need advice on my personal finance


Wide acceptability and faster credit of funds
posted by: lvltd @ Wed Aug 24, 2016 9:13 am
With Leasing Ventures Limited team, we offer a worldwide comprehensive suite of credit and financing solutions and the specialized expertise to meet your business or industry specific needs,lending and leasing platform to provide flexible credit facilities to individuals and companies having moderate revenues.

We service a broad range of industries in the manufacturing, wholesale, retail, and service sectors. Our typical transaction size is $1 million to $10 billion or more. We understand your unique challenges and bring both industry exper...
Comments: 0 :: Read More >> Wide acceptability and faster credit of funds


Need a second oppinion
posted by: MacMac @ Mon Aug 22, 2016 5:17 pm
I am 20 years old and am trying to start my life off right, I make 29,688 a year so I feel that I have a little bit of money to work with right now, I am very interested in the stock market, real-estate, and other avenues for long term money making. The company that I work for offers stocks at an employee discount generally averaging 85(+-) a share before the discount and have a steady incline for dividend offerings, the last two have been at $.5 a share. I'm a bit weary to jump into the stock market though as there are lots of projections for...
Comments: 1 :: Read More >> Need a second oppinion


Should i enroll in defined contribution plan?
posted by: kforbes862 @ Sat Aug 20, 2016 3:10 pm
Hi everyone, I am almost 32 years old, and work for a local government. I make only around $23,000 a year. I have a defined benefit plan through Oklahoma municipal retirement fund, which I think is in good shape long term. I get 2.75% of average pay for each credited year. I am also vested in a defined benefit plan through Hertz, and will get around $349 a month at full retirement age, if the plan is still solvent by then. this fiscal year, my employer is also offering a defined contribution plan that i can enroll in, in addition to the define...
Comments: 2 :: Read More >> Should i enroll in defined contribution plan?


Need advice. I don't know how to be an adult.
posted by: Velisity @ Fri Aug 19, 2016 5:40 pm
Sorry for the goofy title but I couldn't think of any other way to put it.

My husband and I have been living off about $15,000 a year for the past 5 years (Since we met), probably less some years. We got together both addicted to drugs and in a horrible situation and slowly we've pulled ourselves out of the waste we were in to where we are now. (Mind you I've been living in poverty my entire life.)

My husband is about to finish college. He got his degree as an A&P Mechanic and won a bunch of awards and was able to land a job at an Boe...
Comments: 7 :: Read More >> Need advice. I don't know how to be an adult.


Small question over the 401k and IRA rollover
posted by: 123jeff456 @ Fri Aug 19, 2016 2:45 am
If you have money invested into your 401k with your company (In this example I will say 10,000 that's in the 401k account ) and then you get fired from your company, are you able to roll over more than the IRA annual limit into the IRA account? (More than the 5,500 amount that can be invested into it annually)
Comments: 2 :: Read More >> Small question over the 401k and IRA rollover


Navy Sailor/Father Moving to San Diego
posted by: ithalvey @ Thu Aug 18, 2016 10:38 am
Hey guys i am 22 years old and currently in the US Navy. I have a wife and a 1 year old son. My first 4 year enlistment is almost up and i am about to Reenlist for another 4. I got orders to San Diego California and we will be moving down there in March. I have learned a lot from this website over the years thanks to oldguy and wino, i put all my investment money into sp500 index funds.

Here is my current financial situation:
Checking: $3,500
Savings: $7,000

Roth IRA: $9,000 vanguard 500 index
Personal Taxable account: $10,000 vanguar...
Comments: 3 :: Read More >> Navy Sailor/Father Moving to San Diego


mortgage renewal
posted by: richardtowns @ Thu Aug 18, 2016 9:29 am
I was reading an article here https://www.butlermortgage.ca/mortgages/mortgage-renewal/renewal-time . It was about mortgage renewal and how we can make benefits by renewing mortgages at a new interest rate.Do we need to consult mortgage broker for doing this? or can we directly approach the bank directly? If somebody knows about its procedure, please share the details.
Comments: 2 :: Read More >> mortgage renewal


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