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#also my rent goes up next month because of Texas property tax raises .-.
crybabyboyscout · 10 months
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Can I have help making next month’s rent? I work full time but have had to take 2 weeks off while my bosses were on vacation (I am 1 of 2 employees for a small business). I need $400.
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kf14wxbw-blog · 5 years
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How much does your insurance go up after getting a underage?
How much does your insurance go up after getting a underage?
does anyone know how much the rates will go up? I didn t have my license when i received the underage and i still don t. I ve never drove a vehicle. i don t have my license yet and im most likely not going to because my parents have told me the car insurance goes up now. I ve looked online and it says that rates can double or triple. thank you for your answers.
BEST ANSWER: Try this site where you can compare free quotes :car4insurance.xyz
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ronaldmrashid · 5 years
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Every Investment Decision You Make Is Market Timing
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One of the things I’m fascinated about is why some people get upset with what other people do with their money. Every time I write in my newsletter that I’ve decided to increase or decrease risk with my investments, someone gets hot and bothered!
What someone does with their money has no bearing on what happens with your money. You have the freedom to make one giant paper money statue and light it on fire if you wish.
I choose to consciously have a purpose for all of my investments. Otherwise, there’s no point to saving and investing so much all these years.
Let me go through some examples of market timing everybody makes, but somehow don’t get recognized.
10 Examples Of Market Timing
1) Front loading your 401(k) and other pre-tax retirement accounts. If you are lucky to receive a bonus or have enough cash flow during the beginning of the year, it’s commonplace to max out your 401(k), IRA, HSA, Solo 401(k), Roth IRA, or whichever tax-advantageous retirement account you have.
People like to get these accounts out of the way, just like how people like to pay themselves first with each paycheck. How and how much you get paid results in market timing. 
2) Deciding when to use your 529 plan. You may spend 18 years contributing to a 529 plan for tax-deferred compounding until your kid decides to go to college. Whether you use the funds at age 18, 19, 20, 21, or 22, that’s up to you. You might even decide to sell some stock to pay for private grade school since that’s a new rule. 
But what if your child decides to defer college or take six years to graduate? What if your child decides never to go to college? Ah, market timing. 
3) Deciding to take distributions from your 401(k). You can take penalty-free distributions from your 401(k) after age 59.5. Once you start withdrawing, you can stop and start again innumerable times until age 70.5. Once you’re 70.5, you must withdraw a specific portion, the Required Minimum Distribution, from your nest egg each year.
Because you are in great health and don’t need your 401(k) funds given your large after-tax portfolio, you decide to wait until you’re forced to take RMDs at 70.5. Your good genetics and financial preparation results in market timing. 
4) Deciding to de-risk your House Fund. If you’re planning on buying a house within the next 6-12 months, you should probably keep your House Fund in 100% cash or short-term Treasuries. You don’t know exactly when the perfect house will come along. Even if you find the perfect house, you might not win the house because your offer isn’t competitive enough. 
Let’s say you get a surprise promotion at work. This promotion gives you the confidence to finally buy a primary residence. As a result, you decide to de-risk your House Fund into 3-month Treasuries and aggressively start looking for a dream home. Your promotion made you time the market. 
Related: How To Invest Your Downpayment Depending On Your Time Frame 
5) Deciding to invest 100% of your severance check in the stock market. Getting a severance check is a nice windfall, especially if you had planned to quit your job anyway with nothing. But who knows exactly when you will be able to successfully negotiate a severance?
Management might suddenly offer up severance packages one year due to a restructuring. Or you might get sick and tired of your boss another year and want to leave. Whenever you do negotiate a severance and invest it all in the market, that’s market timing. 
6) Deciding to sell your rental property because your tenants moved out. You might have had a great 12-year run as a landlord, but couldn’t find replacement tenants at the same rent. With the desire to simplify life, you put your house on the market and discover its worth 70% more than you bought it for. Therefore, you decide to take advantage.
If your tenants hadn’t moved out, you wouldn’t have been able to remove them even if you had wanted to due to strong tenant rights laws in your city. Your tenant’s decision to move out due to a new job opportunity is market timing. 
Related: Why I Sold My Rental Home: Had To Live For Today
7) Deciding to reinvest your house sale proceeds in a diversified real estate portfolio. After riding one concentrated position up 70% with leverage, you decide it’s best to diversify your real estate holdings by investing outside of your expensive coastal city.
As a result, you invest in several commercial real estate properties in Austin, Texas where cap rates are 5X higher. Not only are you earning a higher return, but you’re also earning it passively.
Related: Focus On Long-Term Trends: Why I’m Investing In The Heartland Of America
8) Deciding to buy a new primary residence five years later. Your commercial real estate investments in Texas pay out five years later with a 12% IRR.
Since the initial investment, you and your partner had a baby and decide it’d be nice to move out of your tight two bedroom apartment to a three bedroom house with a backyard. You didn’t plan to have a baby, but here he is! You use the proceeds from the Texas properties to buy a nice house. 
The unwinding of your commercial real estate portfolio and the arrival of your baby is market timing. 
9) Deciding to stop work to take care of your baby. After going back to work after three months of parental leave, you feel terrible dropping off your baby at a daycare center. As a result, you decide to stop work until your boy goes to preschool at 3.5 years old.
Your partner still works a stable job, but due to the loss of your income, you decide to sell some stocks to pay for general living expenses. Your guilt about leaving your baby in the hands of strangers results in market timing.
Related: Career Or Family? You Only Need To Sacrifice For 5 Years At Most 
10) Deciding to cash out of your IPO proceeds. Your partner’s company successfully IPOs after she worked there for six years. Her stock options are worth $1.5 million and she also wants to stay home and raise her boy as well.
Once the lockup period is over, she decides to sell 80% of her stock and diversify her net worth into index funds, REITs, municipal bonds, and short-term Treasuries. At one point, her net worth was comprised of 90% company stock. 
The CEO’s decision to sell a piece of his company to public retail investors results in market timing for you. 
Related: Career Advice For Startup Employees: Sleep With One Eye Open
Market Timing Is Life
Don’t be naive. Every decision you make is market timing. Life is an unpredictable journey. 
At the very least, everyone should save and invest as much as they can when they can. Have financial fire power to withstand anything life throws at you.
Every dollar you save should have a purpose. Don’t just think the main purpose for all your saving and investing is to live a comfortable retirement. That’s too amorphous a goal. 
Have specific purposes for your investments, such as buying a house, paying for your kid’s tuition, remodeling your home, taking care of your parents and so forth. 
In addition to making sure your money has a purpose, practice taking profits for a better life. If you do, ironically, you’ll still likely end up with more than you’ll ever need because you’ll have been so focused on accumulating and optimizing your investments. 
Don’t let what other people do with their money affect how you feel and do with your money. You must focus on your own financial mission.
We are not gods. We do not know the future, nor will we live forever. The person who dies with too much loses.
My financial path is completely different from yours. So are my needs and desires. I will continue to make financial decisions that best fit my family’s needs. So should you. 
Related:
Various Portfolio Compositions To Consider In Work And Retirement
A Different Dollar Cost Averaging Strategy
Readers, why do people get upset at what other people do with their finances? Why do we blame people for market timing, when our entire lives are unpredictable?
The post Every Investment Decision You Make Is Market Timing appeared first on Financial Samurai.
from https://www.financialsamurai.com/every-investment-decision-is-market-timing/
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General costs to buy and insure a 50cc moped?
Okay so I don't know what moped it will be so i'm simply looking for averages and general help. I'm 17 and am thinking of getting a moped for the next 6-7 months, cost pending. I was just wondering how much would insurance cost me for it, not a brilliant bike just a cheapo 400-500 think as I shant be using it every day and is there any way to insure it for only 6 months rather than a year that's cheaper? On a whole how much do you think it would cost me in total if i bought a 400 50cc moped to insure for 6 month (year if you can't do 6 months) + tax + exam you have to take P.S. I live in England - South East - Dover/Folkestone Area""
""Car accident, how to get money from insurance company?""
one guy rear ended me on september 25th, but his insurance company still have not claimed yet. they said we have not contacted our insurer, so we can not claim this liability i call he and his insurance company to check what's going on, but they never pick up the their phone. what do i need to, shoul i call them to court (my car's mufflier and bumper broken, about $ 800 to fix it?""
""If I reported someone for a hit-and-run, can my insurance company raise my rates?""
My Dad takes care of our family car insurance policy with Mercury. Recently, they have asked about an incident which matches the date of a hit-and-run which I reported to police. Someone backed up into my car while I was not-in-motion, waiting to turn left at a four way intersection. They refused to pull over or get out of their car, and sped off soon after, so I reported it to the police. Now, Mercury wants to talk to me about it. The problem is that my Dad is convinced they will use this against me to get more money from us, because I was the only party who reported the incident. I did not file a claim with my insurance company because the only damage was minimal. How should I best handle this? It seems absurd that doing the right thing-- reporting an irresponsible driver-- could result in a penalty for me, doesn't it?""
Can you name a place in so. California where I can purchase minimum legal auto liability insurance?
I would be greatly obliged if you didn't limit your answer to something like contact your insurance agent . For one, I don't have one yet, that's part of the problem. I currently have neither a car nor insurance. For my first car, I want to buy a car from one of the many people selling their used cars in my metropolitan area. But without insurance, I cannot drive the car home or even test drive it. I would like to buy the minimum liability insurance that is required by California law BEFORE I choose and buy a car so that way I can go to nearby cities test driving cars, and drive back the one I buy. I have tried shopping online for insurance. I went to all the insurance companies that are on TV plus several others. I came across two issues 1) they base the insurance on what type of car you have, and I do not know which one I am going to get yet, 2) they want to sign me up for complete car and driver's insurance, even though they claim to let me customize my plans. I do not qualify for the state liability insurance for low income drivers. Can you specifically name a place where I can walk in and purchase only auto liability insurance?""
Car insurance claim but no MOT?
my partner had a crash today and it was totally the other persons fault as my parter was indicating to turn right and some idiot tried to overtake him on the right , hitting his side. the police said not probs its totally the other persons fault and we claim off his insurance not ours but when the police checked the car they discoved the mot ran out a month ago, my partner explained we though we had updated it and they were fine about , prob believed us as we had tax and insurance, they dont worry just tell your insurance about the crash. i know car insurance is not vaild but surely its okay if its only the other person paying out? car in the garage and does not seem to be any probs so far......do you think we will be ok, it really was a genuine over sight""
affordable dental insurance for the elderly
affordable dental insurance for the elderly
Insurance on a Mitsubishi Eclipse? Bad? Good? Okay?
I'm looking into buying a 200-2003 Mitsubishi Eclipse. Its not a convertible...and i have Allstate Insurance. Because they are considereed sports cars (Ithink) is the insurance cost high?
Is there a law in California stating that the newest driver(under18) has to get insured under the newest car?
Is there a law in California stating that the newest driver(under18) has to get insured under the newest car?
New driver- car insurance?
i just got anew car, hydauni elantra 06, and i need insurance, wats the cheapest insurance for a 19 yr old girl,no driving record, tickets etc in the rome/utica area? thanksssss""
""Im 19 ,how much should i pay for car insurance?
im not british.but im getting a uk full licence.. any people know how much should i pay for a classic mini? and how about a 1995 subaru wrx?
Can someone explain how car insurance works?
Specifically, how do you pay for auto insurance? Do you make monthly payments or do you pay it at one time?""
My Insurance auto accident settlement?
I was recently in a car accident where a Nissan truck ran into the back of another car that then ran into the back of me causing $2000 worth of damage to the rear of my infiniti. I received moderate whiplash to my neck and had to be taken to the hospital. I checked out without any broken bones and was prescribed medication. I went to see a chiropractor and he has been working on my neck for a couple days which makes it feel a better. Im 100% not at fault and the insurance company has taken care of my car repair, rental, and medical bills. They ask me How much do I think I want for this accident for pain and suffering. I believe I am entitled to at least $3500-5000 for my suffering I live in NC. I believe $5000 is a reasonable consider the circumstances. I could have lost my life, broke my neck and been paralyzed for life. Thank the lord that I received only a whiplash. The stress that I am undergoing, the constant pain in my neck is a reminder of the accident, which I feel fearful of driving. The time I spent recovering could have been spent enjoying my life. Besides getting behind in my school work, I am absent from my student organization at school which I am a key figure ( president AGC). I don't enjoy waking up with cramps and headaches nor do I like to take prescription pills, and therapy. I don't want to be compensation a insufficient amount that wont even cover pain and suffering I went though. It seems like you people are on the side of the insurance company and not the victims in this situation. I wonder if any of you have ever been in an automobile accident and if you have must share some sort of empathy of what I am reiterating.""
Motorcycle insurance for 20 yr old mn?
I'm looking at getting a motorcycle and was wondering what it would cost me. I don't have any tickets or anything. My record is clean and I was looking at either a Kawasaki ninja 250 or 500r that would be like a 2005. Maybe a 750ccc cruiser. What difference would there be between the two types of bikes and about what would I be looking to pay?
First car insurance help.?
Hi, I just bought my first car today. It was a Ford Ka 1997 1.3L. I am at college and have only 210 income per month. I don't know which would be the best type of insurance for me. I need to be insured for at the latest 24th April 09. Should I do monthly or annually. I did an annual insurance quote over the internet and the cheapest I got was with Endsleigh for 1500. What would be the best method of payment for me? Thanks very much for any help.""
Are custom orthotics covered by health insurance?
I heard getting a pair is expensive but i need them for running uninjured
Buying my first car - which one should I choose?
I am a 22-year-old female and I'm looking to buy my first car so I can commute to my new job about 25 miles away. I am looking for something: *cheap to run *cheap on insurance *cheap on road tax ****reliable**** *relatively cheap to fix if something goes wrong *second hand - no more than 5 years old *up to 4,000 *smallish/easy to park Any recommendations? I have absolutely no clue about cars so that's why I have resorted to Yahoo Questions! I am completely indifferent about the style/look of the car and I am a slow/sensible driver. I just need a little runaround to get me from A-B. Reliability is crucial to me because if I have to be left without a car for any period of time I will be unable to get to work. Any advice on the make and model of any cars I should consider would be much appreciated as I am visiting garages all week this week. Thanks!""
What car insurance company would u recommend that is the cheapest and bettest?? :)?
What car insurance company would u recommend that is the cheapest and bettest?? :)?
Motorcycle insurance for someone under 25?
I'm in the army, and after I get done with basic I would like to buy a motorcycle where ever I am stationed. If I paid cash for the bike, have my motorcycle license, no traffic tickets, I'll be 18, and a male.. how much can I assume to spend on motorcycle insurance? Its a 250cc sports bike I'm interested in, I used to have one but It got stolen. I want the cheapest policy there is...""
""For my first car i want a jeep wrangler1997, im 16 will the insurance cost more than a 2005 ford fusion?""
i'm a guy, lives in tx""
Why is my car insurance so expensive?
I am trying to figure out why my car insurance costs so much, and I am having problems getting a straight answer from any insurance company. In the last 5 years I have 0 speeding tickets, no dui's, and 1 not at fault accident. I am a 26 year old male with full coverage on an 07 Cobalt ls, so not even a sports car. The absolute cheapest insurance I could find is just shy of 350$ a month. Most companies wouldn't even cover me, and none of them would tell me why. So if anyone has any ideas of what could be causing this I would really appreciate it.""
Is there any cheap insurance out there for students?
Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?""
If a car is red does it cost more on a persons insurance?
a Friend is looking 2 but a car she is 19 and she wants a red car will it cost more to be on her on her mothers insurance
How much does car insurance for a teenager cost approx. per year in Nova Scotia Canada (all answers welcome!)?
Hello, I am on the verge of entering Drivers Ed. and was wondering how much the insurance would be per year if you own your own car, and being a teenager who just got their license. I know it will be a larger number, and you may not know it exactly, and even if you're not from NS, all answers are welcome. I was just looking for a range/estimates. Thanks in advance :)""
Low Car insurance/Car alarm?
Im a student 21 years old Male and i know car insurance is going to be high. Can ne1 recommend a company that will give me a low rate and im interested in getting a car alarm.
Blue Cross/Shield health insurance?
Is this Insurance corporation a good one or a bad one to have as a health care plan?
If car insurance companies are giving you quotes that you did not request - Is this a sign of identity theft?
I've gotten like, 4 quotes all from different insurance companies saying Your quote is ready. They think I did request these! I didn't. Is this identity theft or just spam? What else could it be? My family said they didn't request this information either. Thanks in advance!!""
Best Insurance cover for 18 years?
Kindly tell me a way so that I can ensure a fix monthly income of 20,000 Rs. What is the easiest way to achieve this ? MF ? LIC ? What should be my investment every month and for how many months ? Thanks..""
Do i need motorcycle insurance to get my tags?
I have my first motorcycle, a green 2002 kawasaki ninja 250, green of course. I am working on getting insurance but its going to take about 5 more days. Can i get my tags without insurance?""
First car ... I need cheap car insurance.. what car offers cheap insurance?
Tell me how much the insurance costs if possible, bearing in mind I am a new driver.""
Are there discounts on insurance for cars that are 25 years or older?
I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?
How much do I have to pay for insurance for a 17 year old and still in HS still in highschool?
and going to drive a dodge neon 2002 and 40k miles, with driver's ed., and a B,C average student and I live in Henderson,Nevada....?""
affordable dental insurance for the elderly
affordable dental insurance for the elderly
https://www.linkedin.com/pulse/affordable-insurance-tax-lawrence-curtis/"
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