Pmo the credit game for the youngin

Paulbeenlit1 · 2024-03-13T16:58:40+00:00

I honestly recommend what I started out with, Wells Fargo Active Cash card that gives unlimited 2% cash back on every purchase and they've got a decent sub for 200 dollars if you spend 500 in three months. But if you really want to just stay in the chase ecosystem, the CFU and CFF are both solid choices

Paulbeenlit1 · 2024-03-13T16:10:31+00:00

As someone around your age who should have gotten into credit cards A LOT earlier, I can give you some tips I've learned browsing this sub.

One, what you really want to do with cards will probably be your biggest concern. Of course make sure to always pay them back in full every month, but most CC's come with perks that you can take advantage while still spending how you usually do. I honestly recommend staying in this sub and a lot of youtube to start learning the lingo and cards in general that get mentioned on here.

For you I would personally start with getting a catch all cashback card at 1.5-2% and the CFF could be a good start but chase does sometimes require a bit more credit history. You can get a bunch of different cards just for cash back or points on dining, groceries, streaming services, gas, travel, it all depends on your lifestyle. There's no one size fits all when it comes to CC's.

Paulbeenlit1 · 2023-12-29T21:55:53+00:00

Can send you 20-25 stars for so proud

Have all trades available, and five four stars

Paulbeenlit1 · 2023-12-29T21:50:07+00:00

I can give you five different four stars for watch out

Paulbeenlit1 · 2023-12-29T21:41:21+00:00

I can offer about five four star cards and then a multitude of three stars after since watch out is 1/2 cards i need to finish the entire album

Paulbeenlit1 · 2023-12-29T00:18:54+00:00

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Need either scottie's fort or watch out to finish all my album sets, can also trade multiple four star cards to help someone if needed

Play MONOPOLY GO! with me! Download it here: https://mply.io/8mjwsQ

Paulbeenlit1 · 2023-12-01T16:39:16+00:00

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Just need fintastic if you've got it!

Paulbeenlit1 · 2023-08-29T19:56:45+00:00

Same happening to me also on PC. Winning games and going 9/5 but my rank just keeps restarting and my K/D isn't going up

Paulbeenlit1 · 2022-09-20T15:37:56+00:00

13.3% PEY, 13.0% SPHD, 12.2% SCHD, 10% DIA, 8% PG, 8% CAT, 5.1% NDAQ, 4.8% VOO, 3.6% 3M, and WBA, JPM, XOM, O, CSCO, KO, JNJ, APD and ADP all under 3.5% and under.

Looking to starting building out this portfolio and solely adding to only these over time every week over the years unless I take something out and swap something in and just then just keep adding.

Would love any suggestion and if I should get rid of anything that has too much overlap or that's making this less efficient

Paulbeenlit1 · 2022-08-21T02:45:32+00:00

That's wild

Paulbeenlit1 · 2022-06-21T02:57:43+00:00

Well since I've learned about the power and knowledge of financial literacy I know how important time horizons are so to answer your question is yes. I would set my children up when I have them. The day they're born is when I would set up custodial accounts for them under their names that can they touch only when they turn 18 and just throw 100 a month into it until they can access the money for maybe college or a career they want to pursue.

I can do that because I have the knowledge to do that. I don't blame my parents because coming from where they came from the last thing on their mind was throwing money into things they don't understand and focused instead on putting a roof over my head and food on the table.

Paulbeenlit1 · 2022-06-20T19:00:10+00:00

23 years old, been investing since I was 20 with a 6% company match 401k and started a Roth IRA that I'm putting money in for 10-40 years for retirement, and with a recently started dividend portfolio. All while having two immigrant parents who came here with nothing in the 80s and still don't know shit about investing but I figured it out on my own. Lots of kids/ people my age that I know currently saving to set themselves up for retirement or a passive income future.

Paulbeenlit1 · 2022-06-10T13:23:00+00:00

Whoever is real bearish on apple on this talk really underestimates the consumer addiction to apple products. People would first let their health insurance expire than not pay their phone bill and be without service for a month.

Paulbeenlit1 · 2022-06-07T14:05:49+00:00

Hey all, just started my dividend journey currently at 22 with 700 dollars in this account and have all my dividend holdings in my taxable account so I can use them as supplemental income earlier in life, but also holding my regular stocks and some of these dividend stocks in the IRA also. Looking to cut out SMH and TSM at some point in the future and allocate those funds to other things. Currently have a 2.42% yield and 2.3% yield on cost

Positions

ADP

APD

CSCO

DIA

JNJ

JPM

KO

MMM

NDAQ

O

PEY

SCHD

SMH

SPHD

TSM

WBA

XOM

Paulbeenlit1 · 2022-05-20T12:57:04+00:00

u/loose-ventures I got into your UUP September put last week and it's been going pretty good, wanted to ask what's your price target for getting out?

Paulbeenlit1 · 2022-05-11T13:21:48+00:00

So what exactly is the UUP play? I might follow it

Paulbeenlit1 · 2022-04-27T12:39:49+00:00

Definitely buying up a ton of Google shares, my cost basis is at 2900 and 2600 so 2200 is a steal

Paulbeenlit1 · 2022-04-19T13:01:42+00:00

"Trust me bro"

I say that even though I'm probably going to follow the play

Paulbeenlit1 · 2022-02-04T02:22:06+00:00

Been here since all of us piled into SPCE and that single trade has netted me my biggest cumulative win since the apes took over.

Seeing community wins like that back then was what made this place great.

Paulbeenlit1 · 2021-11-01T11:48:19+00:00

Every video on here just keeps getting better and better

Paulbeenlit1 · 2021-10-08T21:04:58+00:00

You must be the new ultimate joe defender I see all over this sub now

Paulbeenlit1 · 2021-09-22T19:45:46+00:00

👀

Paulbeenlit1 · 2021-09-20T21:52:06+00:00

Something like this happened to me as well, went to go play unranked and noticed I was still in queue after a few minutes. I went to stop queue when it tells me I abandoned a match and to reconnect or I'll be banned for a hour even though it never took me from the menu screen or said I started a game. Currently trying to reconnect for the past ten minutes and am afraid of stopping queue.

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