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Spokes posted:Who has two thumbs and isn't paying any credit card interest this month? This guy! You said you still have to pay down your balance but aren't paying interest. Does this mean you only have the statement balance outstanding? Do you plan to pay that off by the due date?
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Apr 23, 2018 22:21
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Spokes posted:Yeah, my statement ended on 4/5 (or so) with a due date of 5/2. I paid on 4/20 everything i owed when that statement closed, meaning my entire credit card balance as of 4/5. My purchases between april 5 and now, as well as the money i owe for taxes filed in that window, are on the statement that closes on 5/5, with a due date of 6/2. I am optimistic that I'll be able to pay my *entire*, current, balance on or before 6/2. You have to get back into the grace period for that to occur. So you probably will have some interest calculated for the next statement; assuming that you didn't pay the statement balance in full on 4/2; if you did then this should be the first interest free cycle. In either case that's great work!
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Apr 24, 2018 00:25
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Inept posted:I don't see a line item for renter's insurance. It's cheap and you should get it if you don't already have it. You don't want to get back in debt because a fire/burglary forces you to put a bunch of stuff on credit cards again. It also covers stuff in your car that gets stolen or damaged and auto insurance won't cover that.
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May 22, 2018 16:56
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SiGmA_X posted:You may consider dropping $5,500 into your Roth IRA immediately if you're not planning to max it out anyway. You can always pull contributions out if you need to, but otherwise you've got a bit more into retirement. That said, efund expansion ftw! Yeah, Roth IRAs are really nice for this. Contributions can always be pulled out tax free; and you can even pull out investment gains on contributions made within the same tax year. You also can contribute to the previous year until tax filing is due; so you get an extra 4 months to catch up if you had a bad year prior. I personally really like Fidelity's Roth IRA set up. Free to set up and they have some really good ETFs and mutual funds to invest in. The huge bonus is that the dividends and capital gains grow tax free as well and if you draw down in retirement there are no taxes paid on any of it (except the taxes paid on the money you contributed initially ofc). All in all Roths are really awesome.
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Jun 19, 2018 19:05
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Duckman2008 posted:Someone else could confirm this, but you have enough going in between this year and next year where you could consider some of their higher funds. The 500 Index is a 0.04 cost , it just requires $10k to buy. I assume you mean VTSAX, their total market admiral shares mutual fund. From my research there's no real good reason to go with that over their ETF offering (VTI). Same expense ratio and same overall portfolio, and the minimum buy in is just 1 share (currently around $143/share). I could be missing something tho.
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Jun 21, 2018 17:31
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