Search found 91 matches

by RDHlooking4FIRE
Sun Feb 18, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 863

Re: Talk to me about jobs with primerica

Rashen wrote:
Sun Feb 18, 2018 3:36 pm
its not a job, its a gig where your earnings stop coming in as soon as you run out of relatives and friends to sell the insurance to.
That's kind of what i thought too.

Anyone know how much you can make doing this? How the pay scale works.
by RDHlooking4FIRE
Sun Feb 18, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 863

Re: Talk to me about jobs with primerica

Google is your friend: A typical recruiting ploy in Primerica is the job interview. Representatives of PFS troll the internet for job seekers, harvesting resumes from job sites. They contact the job seekers with an offer of an interview for an opening. They give the job seekers very little informat...
by RDHlooking4FIRE
Sun Feb 18, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 863

Re: Talk to me about jobs with primerica

Someone I know is telling me about working with primerica. Is this a scam? Sounds like it cost $99 to start. They say it can be done part time. Even if I don't make a lot of money, is it a good learning experience? Is it worth it? Primerica is a well known scam. How many legitimate jobs cost you mo...
by RDHlooking4FIRE
Sun Feb 18, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 863

Talk to me about jobs with primerica

Someone I know is telling me about working with primerica. Is this a scam? Sounds like it cost $99 to start. They say it can be done part time. Even if I don't make a lot of money, is it a good learning experience? Is it worth it?
by RDHlooking4FIRE
Fri Feb 16, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Share your favorite excel speadsheet
Replies: 7
Views: 1454

Share your favorite excel speadsheet

I love this net worth tracking speadsheet that i found. Share your favorites.

https://www.moneyunder30.com/net-worth-spreadsheet
by RDHlooking4FIRE
Mon Jan 29, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Things to do for Financial Wellness
Replies: 17
Views: 2509

Re: 10 Things to do for Financial Wellness

Since this is geared towards beginners I would start with Dave Ramsey 7 baby steps then add from there. It already includes many of the tips you mentioned. Baby Step 1 – $1,000 to start an Emergency Fund Baby Step 2 – Pay off all debt using the Debt Snowball Baby Step 3 – 3 to 6 months of expenses i...
by RDHlooking4FIRE
Sun Jan 28, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been a credit or debt consulor?
Replies: 0
Views: 197

Has anyone been a credit or debt consulor?

I would love to help people get out off debt and manage finances. I know nothing about this type of job or companies that offer these services. Where to start?
by RDHlooking4FIRE
Sun Jan 28, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 803

Re: Udemy classes recomendations (or YouTube)

Done bunch of udemy, edx, coursera, pluralsight, udacity, youtube - mostly technology focussed. For tech topics(not degree courses) - pluralsight has best content; but doesn't cover everything. Think of investing few days or week to learn something. Udemy is hit or miss depending on author as there...
by RDHlooking4FIRE
Sun Jan 28, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 803

Re: Udemy classes recomendations (or YouTube)

I would recommend EdX over Coursera or Udemy. Finance for Everyone: Smart Tools for Decision-Making from the University of Michigan on EdX https://www.edx.org/course/finance-everyone-smart-tools-decision-michiganx-fin101x-1 EdX https://www.edx.org/ and Coursera https://www.coursera.org/ have online...
by RDHlooking4FIRE
Sun Jan 28, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Book recomendations
Replies: 1
Views: 179

Book recomendations

I'm going to the library today. What are your fav books or auidobooks?
by RDHlooking4FIRE
Sun Jan 28, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 803

Udemy classes recomendations (or YouTube)

Has anyone taken a good udemy class? Or good YouTube links. On personal finance, investing, retirment planning or something else.
by RDHlooking4FIRE
Thu Jan 25, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for first time homebuyer
Replies: 2
Views: 238

Re: Roth IRA for first time homebuyer

Wait to buy a home till you can afford it without using ira also have 3-6 months emergency fund.
by RDHlooking4FIRE
Thu Jan 25, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Prioritizing paying down debt
Replies: 19
Views: 1595

Re: Prioritizing paying down debt

Dave Ramsey's 7 Baby Steps On his website Dave Ramsey lists what his 7 Baby Steps to financial freedom are: •Baby Step 1 – $1,000 to start an Emergency Fund •Baby Step 2 – Pay off all debt using the Debt Snowball •Baby Step 3 – 3 to 6 months of expenses in savings •Baby Step 4 – Invest 15% of househ...
by RDHlooking4FIRE
Thu Jan 25, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Side hussle ideas
Replies: 16
Views: 1725

Re: Side hussle ideas

Something I just thought of since you're a dental hygienist is silver- and goldsmithing and jewelry-making. It utilizes many of the same skills and tools but to creative purposes. People pay very good money for hand- and custom-made jewelry. Here's an example of someone who has been very successful...
by RDHlooking4FIRE
Thu Jan 25, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Side hussle ideas
Replies: 16
Views: 1725

Side hussle ideas

Looking to make more money and keep my mind busy. I work 4 days a week now and would like something to do friday sat and sunday. Something different than my current job of dental hygiene. Ideas i have had so far... Refub furniture Financial coach Tax prep Need more ideas. Wouldn't mind some more onl...
by RDHlooking4FIRE
Thu Jan 25, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 797

Re: H&R income tax class review

Great info. Thanks!
by RDHlooking4FIRE
Thu Jan 25, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 20
Views: 3087

Re: Anyone want to share their monthly budget? Here's ours

Don't forget to pay yourself 1st. Monthly saveings should be part of your budget. Monthly Budget Income Income after tax 3750 Income other 150 Total Income 3900 Expenses Rent $0 Health Insurance $150 Horse $450 Car Insurance $45 Horse Shoes $110 Phone $50 Gas $125 Food $400 Misc $200 Savings HYS $1,...
by RDHlooking4FIRE
Thu Jan 25, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 797

Re: H&R income tax class review

samsoes wrote:
Thu Jan 25, 2018 2:51 pm
Doesn't one have to become an Enrolled Agent to professionally prepare taxes?
Good question
by RDHlooking4FIRE
Thu Jan 25, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 797

Re: H&R income tax class review

Thanks for the info. When do classes start? I looked online and nothing was posted for 2018 yet.
by RDHlooking4FIRE
Thu Jan 25, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 797

Re: H&R income tax class review

Can you start a side business doing taxes after taking the class? Or do you need to work with block to do taxes for others?
by RDHlooking4FIRE
Thu Jan 25, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 797

H&R income tax class review

Im 35 years old and looking for a better understanding of taxes and possibly part time work. What is your experience with the class??? I have seen an old post about this but nothing recent. Is it worth it? What month do classes typically start? Most importantly...after the class can you do taxes on ...
by RDHlooking4FIRE
Thu Dec 28, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting Apps
Replies: 7
Views: 823

Re: Budgeting Apps

Mint.com
by RDHlooking4FIRE
Wed Dec 13, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 966

Re: Office party secret santa, how to give the gift of investing?

whiteprius wrote:
Wed Dec 13, 2017 12:15 pm
Does your company have a maximum gift amount? WHere I worked it was generally $20 or so.
No
by RDHlooking4FIRE
Wed Dec 13, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 966

Office party secret santa, how to give the gift of investing?

How can you get somebody a share of a stock if they don't have a brokerage account? Other ways to give the gift of investing?
by RDHlooking4FIRE
Sun Nov 12, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 181
Views: 17363

Re: Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now. I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method? F...
by RDHlooking4FIRE
Sun Nov 12, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 181
Views: 17363

Re: Why pay cash for a car?

bgf wrote:
Sun Nov 12, 2017 6:14 pm
can you get rates that low on used cars?
I dont think so.

So your point is look for rebates and pay cash?
by RDHlooking4FIRE
Sun Nov 12, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 181
Views: 17363

Re: Why pay cash for a car?

The prevailing wisdom is that by financing you will buy more car than you should. If you will truly get the same exact car, financing may not be a bad idea. I got a 2017 base honda fit and am paying 0.9% for 5 years. Made no sense to pay that in cash, and it didn't influence my decision. Poll: do m...
by RDHlooking4FIRE
Sun Nov 12, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 181
Views: 17363

Re: Why pay cash for a car?

Before i paid off my car the interest rate was 1%. My online savings account is earning 1.3%.

I do really like being debt free though. But am i missing out on cheap money?
by RDHlooking4FIRE
Sun Nov 12, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 181
Views: 17363

Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now.

I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method?
by RDHlooking4FIRE
Sun Nov 12, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1667

Re: What Credit Card is good for me?

I use citi double cash for most things - 2% back

And amex for groceries and gas - 6% back.
by RDHlooking4FIRE
Sun Nov 12, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are HSA bank fees worth it with small balance accounts?
Replies: 0
Views: 274

Are HSA bank fees worth it with small balance accounts?

First of all do I have to maintain a total balance of $5000 or do I have to maintain a not invested $5000 balance to avoid fees?

Any good way to avoid fees at hsa bank? What is your hsa method to get lowest fees?
by RDHlooking4FIRE
Fri Nov 10, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9228

Re: $23k credit card emergency

+1 dave ramsey debt snow ball.

I went from $50k debt to $50k net worth in 3.5 years. Difference if 100k. Making only $60k/yr.

Debt was $20k car, $20k student loan, 10k cc. Now debt debt free and loving it.
by RDHlooking4FIRE
Thu Nov 09, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4822

Re: How old are you and what size is your portfolio?

Wow Iv seen people post much more information about themselves then just the size of the portfolio . Like much much more.

I mean its common place on this forum to post all accont balances and holdings etc.
by RDHlooking4FIRE
Tue Nov 07, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 29476

Re: How old are you and how much do you save for retirement a year

It's funny. Talking to people at work I feel like I'm the only one in the world saving for retirement. Reading on here I feel like I am not doing nearly enough.
by RDHlooking4FIRE
Tue Nov 07, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 29476

How old are you and how much do you save for retirement a year

I am 34 years old and I currently save $12000 a year for retirement
by RDHlooking4FIRE
Tue Nov 07, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Other investing web sites you love
Replies: 2
Views: 756

Other investing web sites you love

I wish i found this site sooner. Happy i am here now. What are some other sites you love and have learned from?
by RDHlooking4FIRE
Tue Nov 07, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 3631

Re: When did you start investing in taxable accounts?

I don't have option for 401k so i use taxable as soon as ira and hsa are maxed.
by RDHlooking4FIRE
Tue Nov 07, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1448

Re: Am I doing HSA wrong?

The hr guy said writing it off on your taxes is the same amount as if they did it pre tax? Is that correct? What benifit am i missing out on if i have to contribute after taxes?
by RDHlooking4FIRE
Tue Nov 07, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1448

Re: Am I doing HSA wrong?

Just talked to HR they said they can not deduct from my check. He recommended increasing my exemptions? And taking it as write off at end of year. Is that a good option?
by RDHlooking4FIRE
Tue Nov 07, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1448

Am I doing HSA wrong?

I put my after tax money in my HSA. Like out of my bank account. Are you supose to ask your employer to deduct pretaxed money from your paycheck? How do you do this?

I dont think my employer offers any match. I use hsa bank.
by RDHlooking4FIRE
Tue Oct 24, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a financial coach?
Replies: 1
Views: 531

How to become a financial coach?

Im not looking to give investment advice, just help people get out of debt or get started with setting up retirment accounts. Where can i find jobs like that. Maybe part time? Maybe from home. I have heard a little about money managment international, are they a good company to work for? Other optio...
by RDHlooking4FIRE
Wed Oct 04, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2968

Re: How many accounts do you have?

Well I mean money accounts. Not like netflix and stuff.

And how do you manage all of your money accounts? I use mint. com.
by RDHlooking4FIRE
Wed Oct 04, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2968

How many money accounts do you have? And how do you Keep track of them?

I have.... - online savings -Checking -Roth I R A -Taxable investment account -Emergency fund (also a taxable investment acc) -H S A -2 credit cards (used for rewards) I feel like that is a lot. Too many passwords to remember. 401k not offered. Am I missing anything? Also should I max IRA first or H...
by RDHlooking4FIRE
Mon Oct 02, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in finance
Replies: 3
Views: 819

Careers in finance

I have met with several financial advisors and did not have a good experience. Like many of you I prefer the do it yourself method. I like finance and I would like to help others get out of debt and learn how to invest. I am looking for second career idea. Any suggestions? Are there financial coache...
by RDHlooking4FIRE
Mon Oct 02, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 8579

Re: Are credit cards rewards worth it?

With Penfed how many points equals a dollar?
by RDHlooking4FIRE
Mon Oct 02, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 8579

Re: Are credit cards rewards worth it?

Thanks for the info good advice
by RDHlooking4FIRE
Mon Oct 02, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 8579

Re: Are credit cards rewards worth it?

I use credit rewards cards. We usually earn about $2500/year, but the past 12 months I think we are on track for $3000. Amex Blue Preferred - Groceries Amazon Prime Store Card - 5% on Amazon PenFed for gasoline Fidelity 2% Visa and Citi Double Cash 2%- everything else I think it is worth it. We hav...