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Please help me to get out of this trouble.
posted by: Robert2017 @ Fri May 19, 2017 3:46 am
Hi all,

I am in a trouble now. Please help me to get out of it. Buying a home was my dream and 3 years back, I bought my first home with a mortgage. It was a 15-year fixed rate mortgage. Actually, I was running a business then and I thought it would be easy for me to pay the monthly amount. But, the things were not going well then. My business started going down and it felt really hard for me to pay back the monthly amount. But, I found some other way for the payment. Now, there is no way for me to find money.

The credit card bill and ca...
Comments: 0 :: Read More >> Please help me to get out of this trouble.

Need help with deciding on mutual funds package for IRA
posted by: seanwilson769 @ Sun May 14, 2017 1:46 pm
I am new to investing and know very little so bear with me.

I recently put my IRAs, as well as some other investments, in Edward Jones accounts. My advisor is pressuring me to make a decision fast on whether I want a "mutual funds package" that includes ATFs or a "Flex" which is stocks and bonds. Right now it's just in a basic "brokerage" account. I really don't know the best course of action. Individual stocks seem risky to me. But I've heard the mutual funds have loading fees, like 1.35%. If I had millions, I wouldn't worry about that fee,...
Comments: 5 :: Read More >> Need help with deciding on mutual funds package for IRA

Advice please - options for replacing a totaled car
posted by: pinkpeonies @ Fri May 12, 2017 2:55 am
This may a really dumb question or post but I need a sanity check and this seems like it may be the right place to ask. My son (licensed driver for 8 months) totaled his car. All humans involved are fine. Our insurance is paying for repairs to the other car. But his car...for his first car, I'd bought him a beater and he was working to pay me back. He's going to need a new car and here's what I was thinking: my mom has a (fully paid for) 2007 Honda Accord with 70k miles and some dents and dings. He gets that car and continues to pay me because ...
Comments: 0 :: Read More >> Advice please - options for replacing a totaled car

Tax diversification - In plan roth conversion
posted by: holtrp @ Mon May 08, 2017 6:25 pm
New member here with some questions about what others might think.

My wife and I have similar retirement savings amounts and plans. We each have both a generous defined contribution and a defined benefits (pension) from our employers.

My employer recently started offering a Roth 401k option and now in plan roth 401k conversions. Neither of us has any money in traditional IRA or Roth plans outside of our employers. A few years ago I started exclusively contributing to my Roth 401k instead of my regular tax deferred 401k. We really don't ha...
Comments: 2 :: Read More >> Tax diversification - In plan roth conversion

First Property Investment
posted by: donnieclark @ Mon May 08, 2017 1:22 pm
In an attempt to diversify my portfolio I am considering a foray into property. I am looking at the following.

Student lettings such as ESP or UTG
Shaftesbury. A short term play on takeover hopes

Any comments or suggestions for alternatives would be welcome.

please help.

Comments: 1 :: Read More >> First Property Investment

What exactly is the true cost of raising a family?
posted by: johnsmith1212 @ Mon May 08, 2017 9:42 am
I was just reading that in a major city (New York, LA, Chicago, DC, San Francisco etc.) it will cost roughly $450,000 to raise a single child from birth to 18 including cost of public four year college. For two kids that is almost $1 million (including things like extra expenses for family vacations through at least 10 of those years not accounted for in the above calculator).

My question is how are families having a middle class family life and saving for retirement? The math above does not seem to add up. Say an average family earns $100,0...
Comments: 2 :: Read More >> What exactly is the true cost of raising a family?

A bank account has been opened in my name!
posted by: jackadam1212 @ Mon May 08, 2017 8:46 am
Ooof. This is partly venting, and partly hoping that someone can give me advice other than what I am already planning on doing.

I chase bank account bonuses - similar to credit card bonuses, except you get them for opening bank accounts and completing a set of requirements. The requirements are often set up a recurring direct deposit, complete a certain amount of debit card transaction, etc. Simple stuff if you're willing to set it up (which I am). The bonus you receive is taxable, and at the end of the year, you receive a 1099-INT in the am...
Comments: 0 :: Read More >> A bank account has been opened in my name!

how do you acquire and analyze waste data?
posted by: Cecille Hollinshead @ Fri May 05, 2017 3:25 am
How do you get your waste data if it’s not on the invoice? For most vendors, it’s still done the old-fashioned way: you have to pick up the phone, call the vendor, and ask for it. But what happens if your organization doesn’t have the resources to do all of this? This a problem that our company can’t solve on our own, could someone please share your tips on how to acquire and analyze waste data.
Comments: 1 :: Read More >> how do you acquire and analyze waste data?

IRA Questions
posted by: BLW500 @ Thu May 04, 2017 7:19 pm
So, I just turned 27 and set up an IRA through my employer. They match 5%, combined I'm at about 100$ a week. Now I know very little about the stock market and I will be talking with the company that the IRA is through tomorrow. From what I have heard is I will basically be picking between different risk levels of investment and I would like to know what you guys think would be best for me?
Comments: 1 :: Read More >> IRA Questions

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