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Favorite team:LSU 
Location:Dallas, TX
Biography:
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Number of Posts:274
Registered on:7/23/2010
Online Status: Online

Recent Posts

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re: A few questions about 401ks - txtiger21
[quote]2. I know these employee 401ks typically carry heavier fees than investing on my own through a company like Vanguard. Is the employer portion of the contribution worth more than I would pay in fees? [/quote] You are getting a guaranteed 50% return with your employer match. No other investm...
Posted on Money Talk
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re: Building Credit - txtiger21
If you have absolutely no credit, a secured credit card, campus federal signature loan, or perhaps getting added to a parent's card. If you have some but limited credit, a NO ANNUAL FEE credit card catering to students or limited credit. Use creditkarma and your free annual credit report from the go...
Posted on Money Talk
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re: Obamacare is Coming After Your Craft Beer - txtiger21
[quote]If you're a small brewer who can't afford to pay the $77k, then you're probably not selling at large restaurant chains with over 20 locations. If you're selling at those chains, you can afford it.[/quote] Not true at all. There's plenty of restaurants and beer bars with a couple dozen loca...
Posted on O-T Lounge
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re: Need a small, short term loan. Any suggestions for where to get one? - txtiger21
[quote]I'd try Campus Federal.[/quote] I'll second that. I got a $1,500 personal loan in college from them to start building credit. All it took was my signature and I was on my way. If you don't have any credit at all, keeping it open for 6 months or until you get a credit card might be a good i...
Posted on Money Talk
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re: How's first work day of Daylight Saving Time treating you? - txtiger21
I get to work when it's dark out either way, so I prefer the extra hour of light in the evening. DST needs to be permanent. ...
Posted on O-T Lounge
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re: Term Life Insurance question - txtiger21
Take that same $70 and invest it in an index fund and you'll come out ahead. 20 years at 5% (pretty modest) you'll end up with about $28k, about $117/mo. Same result but you have control over the investment and will likely earn a lot more. ...
Posted on Money Talk
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re: New Orleans Global Entry Interview - txtiger21
I believe that appointments are continually updated. Flyertalk suggests you should be able to get an appointment slot for a week or two from now if you keep checking. [link=(http://www.flyertalk.com/forum/trusted-travelers/1066899-global-entry-program-processing-time-186.html)]GE info[/link]...
Posted on Money Talk
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re: Mint users, Big banks are cutting off access - txtiger21
Finally enough to make me close my chase checking. if they're trying to gain business this is the wrong way to go about it. ...
Posted on Money Talk
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re: Do you use "Ebonic-like" shortened words for texting/posting to social media? - txtiger21
[quote]is "gonna" acceptable?[/quote] I'll allow it. ...
Posted on O-T Lounge
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re: PINK nation voting (LSU in second) - txtiger21
1. Start a new thread 2. Don't mention Drake 3.???????? 4. PROFIT!!!!...
Posted on Tiger Rant
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re: Check in here if the corn gumps screwed your bracket - txtiger21
I had them losing to SMU next round so I'll score this game a win for me. ...
Posted on More Sports
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re: Dave Ramsey Debt Snowball Question - txtiger21
Ramsey clearly states he isn't about the numbers since personal finance is largely about mindset. I disagree with some of his advice. I think everyone should ALWAYS get their company 401k match, but in the case of a car loan I think he is correct. Paying interest on a depreciating asset makes no sen...
Posted on Money Talk
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re: Student loan consolidation - txtiger21
With the refinance you are likely going to get a 10 year term. But if you keep paying the same amount you are now, you will have it paid off in even less time than your current loan, assuming your interest-rate is lower. ...
Posted on Money Talk
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re: Retiring at 50 - how do you calculate how much you need? - txtiger21
Keep it simple, you can safely assume a withdraw rate of 4%, which allows you to keep up with inflation and still allow your principle to grow (so long as you aren't overly cautious and investing in all bonds). So take your yearly expenditure and multiply by 25. Someone posted this link on here r...
Posted on Money Talk
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re: When Will The 76ers Win Their First Game? - txtiger21
[quote] 0-82 is real [/quote] Nah, the 6-76ers will go down in history. ...
Posted on More Sports
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re: NFL Survivor: Week 9 Results (Deathless Edition - Final) - txtiger21
[quote]Exactly why I have avoided picking Thursday night divisional games. Divisional games are always a little scary to pick, then throw in on short rest on a Thursday and never know what's going to happen. [/quote] And then there were 26. If Baltimore figures out a way to blow it the field wi...
Posted on More Sports
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re: The Stats Most People Overlooked (LSU Football) - txtiger21
[quote]NO ONE thought that could happen and it should have but [b]the scoreboard operator and refs[/b] went full retard and blew it. [/quote] FIFY...
Posted on Tiger Rant
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re: NFL survivor week 9 discussion thread - txtiger21
I'm going with Cincy. I don't see any future value in them and this should be an easy game. Last famous words....
Posted on More Sports
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re: NFL Survivor: Week 6 Results (Final) - txtiger21
[quote]Lots of varying opinions this week. I'm leaning towards taking Baltimore over Atlanta. [/quote] Hmm that could be good. ...
Posted on More Sports
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re: NFL Survivor: Week 6 Results (Final) - txtiger21
It already opened. ...
Posted on More Sports
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