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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Personal finance and investing megathread extravaganza

I know lewdog (and maybe others) have mentioned the desire to have a place to chat about personal finance stuff. We'll see if there's enough interest to keep this going in the long-term, but at least for now, here's a place to chat about whatever personal finance topics come up.



If you're just getting started thinking about saving and don't know where to begin, this flow chart can help. Ask for advice in the thread for more help!

Last edited by DaFace; 01-24-2018 at 03:49 PM..
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Old 08-29-2018, 05:18 PM   #2311
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by lewdog View Post
R8ers is retired with a few hundred thousand dollars and thinks he’s rich.

Lulz
Wrong, I am not retired and have several hundred thousand dollars , few is 3 several is less than 10
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Old 08-29-2018, 06:03 PM   #2312
lewdog lewdog is offline
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Originally Posted by R8RFAN View Post
Wrong, I am not retired and have several hundred thousand dollars , few is 3 several is less than 10
So you’re still working in your 60’s?

****ing chump.
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Old 08-29-2018, 06:51 PM   #2313
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by lewdog View Post
So you’re still working in your 60’s?

****ing chump.
52 son
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Old 08-29-2018, 06:58 PM   #2314
KCUnited KCUnited is offline
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I was just sitting on the toilet counting my stash and thought I would take a pic for all you broke dicks who frequent this site

Lol, I remember turning 25 too.
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Old 08-29-2018, 07:10 PM   #2315
DaFace DaFace is offline
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Well, I tried.
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Old 08-29-2018, 08:14 PM   #2316
lewdog lewdog is offline
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Quote:
Originally Posted by R8RFAN View Post
52 son
Let's get back on track.

Seriously here. I hope you aren't a decade out from retirement and sitting on a mountain of cash.

That rarely works out well against inflation and rising healthcare costs associated with aging.

I might be riding something like 60/40 or 50/50 at that time, but all that cash sitting idly by is much riskier than investing conservatively in the market.
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Old 08-29-2018, 08:26 PM   #2317
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Old 08-29-2018, 09:50 PM   #2318
Great Expectations Great Expectations is offline
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Really? I pay ~$30.00/quarter for $180,000 policy on myself and another ~$10.00/quarter for an $80,000 policy on my spouse. I over pay into the policy by $30/each ($60/$40 per quarter) with a guaranteed minimum 3% return on my cash value. Every 4 years that is re-evaluated if the rate is higher than 3% that is effective for the next 4 years. If it is lower, then 3% is the minimum. IDK about you but that seems pretty damn cheap for a whole life policy with some pretty good guaranteed return or better. Cash out the policy tax free at retirement or take a loan out at anytime.

I also have a term life policy thru my job for about $12/month.
It sounds like it is tied to some sort of annuity. Low risk/low reward, it is much better than what the average person is doing, but you are leaving money on the table. Like life insurance it is probably built on some actuaries and the insurance company is betting on making money on the spread of what your dollars are earning and what they are paying.
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Old 08-29-2018, 11:50 PM   #2319
Cornstock Cornstock is offline
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Lol, I remember turning 25 too.
The top 10ish are hundreds, the rest 20s at best. You can tell, they dont have the blue 100 stripe
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Old 08-30-2018, 02:55 AM   #2320
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by lewdog View Post
Let's get back on track.

Seriously here. I hope you aren't a decade out from retirement and sitting on a mountain of cash.

That rarely works out well against inflation and rising healthcare costs associated with aging.

I might be riding something like 60/40 or 50/50 at that time, but all that cash sitting idly by is much riskier than investing conservatively in the market.
That's only about 7k ... Just a little cabbage for the safe... You never know, one day the card may not work ... Remember that EMP we talked about a few years ago?
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Old 08-30-2018, 05:23 AM   #2321
lewdog lewdog is offline
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Quote:
Originally Posted by R8RFAN View Post
That's only about 7k ... Just a little cabbage for the safe... You never know, one day the card may not work ... Remember that EMP we talked about a few years ago?
I’m not talking about the $7k.

I’m talking about your several hundred thousand dollars you likely have in a savings account somewhere.
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Old 08-30-2018, 07:54 AM   #2322
R8RFAN R8RFAN is offline
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I’m not talking about the $7k.

I’m talking about your several hundred thousand dollars you likely have in a savings account somewhere.
400 is in mutual funds
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Old 09-16-2018, 11:02 AM   #2323
lewdog lewdog is offline
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At it's current price, would you buy Apple Stock?

Sell me either way.
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Old 09-19-2018, 05:34 PM   #2324
lewdog lewdog is offline
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Is no one out there making money?!?!?!
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Old 09-19-2018, 05:38 PM   #2325
Hammock Parties Hammock Parties is online now
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Nope. IQ is still an ass.

I'm thinking about taking that money out and making a few investments in Mahomian Stocks.
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