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  1. General Chat
    Hi guys, I am a 25 y/o working man with a stable income, I want to get a Term insurance plan (for 25 or 30 years). I've received a sales pitch from a life insurance guy, but I wanted to also shop around and see what others have to offer. There’s just so many out there, so from experience, could...
  2. Debates, Politics and Personal Opinions
    I am a 25 y/o healthy male. I do plan on living a long full life, but u never know what will happen! I love adventure sports and I can bear a good amount of risk in life. I have around 60k invested, 40k stocks/20k crypto.I don't have much to my name and don't plan on working my whole life to...
  3. Dave Ramsey
    We just attended the investment lesson of FPU last night. My wife has a real estate mutual fund available as one of her 403(b) choices. We're thinking about allocating her 403(b) in each of the four categories suggested by DR plus a portion in the real estate fund, each fund getting 20% of the...
  4. Debt Reduction & Money Management
    I follow the DR plan and I am looking for the 12% MM funds he talks about. Currently almost everything is in our bank; USAA. Which is the EF, Roth IRAs, and money markets. We also are taking advantage of the Savings Deposit Program (SDP) that the military offers deployed service members...
  5. Dave Ramsey
    Along with other speculators, my wife and I got caught up in getting too many investments too fast. I'm starting to read Dave's book and we're ready to start clearing the plate. And want to free up capital for "focused intensity". We have a couple investment properties in Youngstown, Ohio and...
  6. Debt Reduction & Money Management
    ~We have a complete 6 month EF in our two savings accounts and they're hardly earning anything in interest. We're actually losing money since the inflation rate is much higher than the interest rate. It has me thinking about alternatives to a traditional savings account. For example: *investing...
  7. Dave Ramsey
    Need I say more?! How much have you lost so far? I'm down 31%. Much better than average I hear. I'm sure hoping things look a lot better in a few years! How are you handling BS4 in this economic climate? We're placing everything in high interest bearing accounts for now.
  8. General Chat
    http://finance.yahoo.com/banking-budgeting/article/106399/Small-Investments-With-Major-Returns We already do most of these (except the set-top box for the tv and credit card), but I betcha my fellow FVers have a bunch they could add to this list, too. :popcorn:
  9. Blog
    I know many people who are followers of Dave Ramsey’s financial advice. Since the economy has tanked, it seems like I’m seeing even more people joining the Dave bandwagon, looking for a way out of the financial messes that they have gotten themselves into. His “Total Money Makeover” and the...
  10. General Chat
    Hi everyone, I have a few months left in my company before I retire …. and I would like to know about the options that I can consider for my retirement plan. I am taking about some real good investments so that I get my future secured (want it secured for the kids too). I have a few options that...
  11. News you can use
    Inflation-beating investments for retirement These investments can help you combat that insidious erosion of your purchasing power known as inflation.
  12. News you can use
    What should you do about investments? When the financial world is panicking, you probably will, too. The best advice, though, is this: When you're nervous, don't actually ...
  13. News you can use
    Your investments: 4 inflation locks How bad is inflation for your portfolio? Let us count the ways.
  14. News you can use
    The only 7 investments you need It's a tough market, but that doesn't mean you need more weapons for your portfolio. Now more than ever, don't complicate your strategy. Simplify it.
  15. News you can use
    Safeguarding your 'safe' investments The stock market can be a wild and woolly place. But at least you know you can count on dividend stocks, bonds and other income-paying investments to be a Rock of Gibraltar, right?
  16. Dave Ramsey
    I thought I would really be bored out of my skull on this one even tho I knew that I needed to really pay attention. I think I even skipped over it when I came to it in the book. The one thing I do like about DR is how often he tells you to check things out for yourself & to learn, to read...
  17. Debt Reduction & Money Management
    We just bought some property for an investment. We put it on our Home Equity Line of Credit. Do I count that amount as debt until next year (when we sell it) or should I consider that something else?? IDEALLY, we'd pay it off and keep the investment longer...but as it stand we'll be selling...
  18. Debt Reduction & Money Management
    Incase you're not familiar with it there is a site called the Motley Fool. They offer lessons on investing, message boards and lots of info via email newsletters that you can sign up for free. It's really chock full of info. . I'm learning a lot ;)
  19. Debt Reduction & Money Management
    Take risks? I'm not a risk taker when it comes to investing and so our financial counsellor advised us to stick with the safer investments for now. How about you?
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