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Ballast Point to open the first onsite brewery in Disney Anaheim for you STZ holders. Seems like a lucrative move on their part.
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Question for the CP collective genious. I couldn't find any info on this online on a quick look.
If I have Siemens stock held at a German brokerage, how can I transfer this to a US broker. The stock was issued in Germany and is held there. Does it need to be converted to an ADR to be held? What does this process look like? |
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Right now, S&P indexed etfs are hot, so you should look at those. They're all equity, so they won't be consistent with a 60/40 equity/bond portfolio recommendation that you might get from an advisor. But don't hang up on that. All the S&P indexed etfs have a slightly different strategy. Some are geared towards growth, large cap, value, dividends, etc. I'm a big fan of VYM for a dividend producer. It has good growth, with the recession-buster resistance quality of dividend reinvesting. There is a lot of theory behind that strategy, but in short, it matches the growth of the index fairly well with dividends to make up for the shortfall. In the event of a recession you are better able to lower your dollar-cost average than a straight index, providing for greater growth during the recovery. Round out the portfolio using a standard index fund like VOO, with maybe a growth oriented fund like VOOG or VUG. |
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Well guys, could use a little help or advice here.
The wife and I are doing well, bought some land getting ready to build a home. I max out an ira for both of us each year. But I’m not sure if I should be doing more or putting as much as I can towards my student loans. I started with 300k at about 7 % 4 years ago and I’ve taken down 50k or so of it total but the interest is killer. I’m getting ready to join the national guard as a dentist and get some help there with the loans so I think that plus what I pay, I can get the student loans done in about 3.5 years. So, question is would you max out and get out from under those first or try and put more into a brokerage account? |
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(And on a side note, I'm sure I'll envy you someday when those loans are gone, but yeesh...$300k in student loans is ridiculous. I had about $20k, and I thought that was a pain in the ass to get through. Good luck, man.) |
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I set mine up on a 20 year repay to make sure I could always make the Mo they payment, which is still about 2900 bucks. I’ve been throwing as much as I can at it, but you’ve also gotta pay a mortgage and health insurance and apparently, kids need to eat. :) As I said though, the Missouri national guard is looking for dentist and if I sign up for a 6 year term, they’ll a lot 40k per year for up to 240k max for loan repayment. So doing 1 weekend per month and 2 weeks per year just doing some dentistry for them, paired with what I’m currently Paul g, I can be done with it in 3 years, 4 max. I’ll atill have 2 years of duty left but I can turn that over into a 50k 2 year bonus and throw that into a retirement plan plus I get paid for my service time there which as an officer would end up being about 13 grand per year. But yeah I just wanna get these damn loans over with |
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However, you have to account for cash flow, and if the payments tough to make, it makes sense to back off your Roth some. |
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2900 a month? Good god.
I make pretty good money and my wife doesn’t work, but mortgage, car payment and 2 kids would make that unbearable. My mortgage and car payment are 2100 a month. I could get a crappy lake house in there for the cost of those student loans. That bubble has to burst at some point. Sent from my iPhone using Tapatalk |
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Luckily for us the wife does pretty well but it’s still notcool |
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If so, I'd invest and let the guards thing get rolling. If not, I'd be trying to knock a chunk of it off in case of an increase. I wanted to know how you talked yourself into accepting that debt. Wasn't dentistry, but I bowed out and settled for bach because I wasn't willing to accept the huge debt load of continuing eduction and then the cost of buying into an established practice on top of it. Over a decade later and I still don't know if I made the right decision. LMAO |
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