lsujro

[quote]Like I said, I’m a newbie. How do you guys fund your Robinhood account? Personal bank account?[/quote] yes. easy peazy. your cash in robinhood doesn't earn you interest (this is one of their revenue streams.)...

[quote]GFunk[/quote] i think you are missing the forest for the trees of my comment. not at all advocating using a notary for a will - the opposite actually. but way to be an internet cool guy :rolleyes:...

[quote]I'd say no more than 25% of your take-home paycheck would be ideal. That said, when you're just starting out you may need to hit just above that mark to get a home in a safe neighborhood. I've had friends get a big house and be house poor - eating ramen and driving beaters, no furniture i...

I'm not knocking notaries, but drafting a valid will that does what the person wants it to do is really beyond their skill set. Lawyers and notaries alike both make mistakes, but one is specifically educated on how to do this and held to a much higher standard. You may save 2 or 300, but in terms ...

[quote]it could be filed in court too Yes and that would make it easier for them to probate later on. [/quote] yeah this is not a great idea. I've only ever seen this for out of state people who think LA law requires it for some reason. Never seen a professional file a will in public record...

[quote]Assuming 20% down payment. 30 year loan. what percentage of your salary should you allocate for housing costs (mortgage, taxes, insurance) when you are trying to figure out how much you can afford monthly? [/quote] i always tried to keep mine under 30% of take home pay. it was hard to do ...

[quote]Another option may be putting it in a safety deposit box and letting 2 heirs know it's there so together it can be retrieved. [/quote] This is historically what people have done to ensure it was protected. Can't open the safety deposit box without a court order if name isn't on it. Als...

[quote]I suppose you already know but in Louisiana you don't have to have an attorney write a will for you. You can write one yourself even if it's just handwritten and not typed. You don't have to get it notarized but if you do get a notary to put his seal on it, it will just make it a little l...

[quote]Housing is provided by the company. [/quote] all the more reason to bump that emergency fund big time. if you both get canned, not only do you lose income, but your expenses will go up. i'd figure out 6mo of expenses for your family, with housing cost, and shoot for that before i increase...

i used sofi in its early days. it was awesome then. i'm sure there are more similar options now....

[quote]I have been holding an insurance license since 2000 although I don’t sell it anymore. Yes, certain companies are more agressive in their underwriting. Some are better for say high cholesterol while some are better for certain age groups. That is why finding someone who isn’t captive is import...

People are doing it with Amazon. Wife ordered something from Amazon the other day, the package was shipped from Walmart. She checked and it was like 20% cheaper on Walmart.com :lol: if someone wants to put in that much effort to make a buck or two a package, i'm not gonna hate. not worth the eff...

[quote]Whether or not I can contribute normally (opposed to backdoor) will be based upon my taxable income for the year 2018 though. correct?[/quote] correct...

SIPC insures up to $250k cash and $250k securities i believe. protection seems to have no difference vs fdic. i haven't looked into it, but several other brokerages also offer "checking" accounts, i presume using the same insurance. ...

[link=(http://a.co/d/5tUKufu)]LINK[/link] I have this and love it. Been a couple years and it's held up well. Stretchy pocket great for holding business cards and cash. Easily fits 7-8 different cards. ...

agree with others re FHA. I had one for my first home before the lifetime MIP change a couple years ago. It was just wasting a couple hundred bucks a month. I lucked out and sold my house without taking a loss, but i essentially rented for 3 years when it was all done. I think you'd be better of...

[quote]Let the man get his boat.[/quote] the response every time somebody asks about a nonessential purchase is getting lame. if he's posting here, he gets that it isn't a great financial move. but if he can afford it, and it increases his quality of life, it's a worthwhile purchase. ...

[quote]Looks like 2% interest is about the best you can expect.[/quote] there are several small banks in my market with ~4% interest on a checking account if you use it actively (swipe your card, have direct deposit). max amount seems to vary between about $15k - $25k. check websites for your sma...

[quote]Can 529 funds go to private school- middle school and high school?[/quote] LA did make this change but i think for new accounts only. if you have an older one, you have to start a new one to get the benefit iirc. should be on the lastart website. ...

There are lots of options to use that 529 if your kid doesn't go to college. Can change the kid (either your next child or a relative), and now can use it to pay for private school tuition. 529 plans also cover votech schools, so that's an option. and there is no deadline - kid can go later and ...