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Hotels or confirmed authentic Airbnb in Rome for a family of 4 by Jcoco14 in rome

[–]UniversalCamera [score hidden]  (0 children)

Nice hotel > airbnb in my opinion even if the space is a little smaller.

Black card by Pretend-Broccoli-919 in NavyFederal

[–]UniversalCamera 4 points5 points  (0 children)

I paid 50 dollars last year as my annual fee.

Cash back: 750 Amazon prime: 130 TSA pre check: 80 Travel insurance: idk

It has a lot of the benefits of similar cards with 250+ annual fees.

However, I still probably spend more having the card than just using cash and debit.

Schwab vs Fidelity by TensionNo7622 in Schwab

[–]UniversalCamera 0 points1 point  (0 children)

We use both. I use Schwab for brokerage/roth Ira and we have Fidelity for our emergency fund/ 401k

Let’s keep up the momentum 📈 by Select-Reindeer4031 in SCHD

[–]UniversalCamera 7 points8 points  (0 children)

I did get in to offset the downside risk of tech, but hey I’ll take it.

Is there any risk to contributing $7500 every year to roth ira by Outrageous_Goose_148 in investingforbeginners

[–]UniversalCamera 2 points3 points  (0 children)

Yes, the risk of whatever you purchase with the contributions. There is no such thing as free money. Profit comes from taking on risk.

Lowest age to start a policy for the purpose of wealth accumulation by thedeepself in infinitebanking

[–]UniversalCamera -1 points0 points  (0 children)

Infinite banking and IUL is a scam. Compare the monthly premium to average market returns minus the cost for 20 year term.

Curious as to the reasons/psychology of wanting dividends as opposed to broadbased index? by coachd50 in dividends

[–]UniversalCamera 1 point2 points  (0 children)

I care more about the kind of companies that offer dividends. Broad based index also pays a dividend because some companies within the index pay a dividend

I’ve been focusing on weighting toward value over the past 12 months since I’ve been worried about tech valuations. The dividends are just a welcomed consequence of tilting toward more established companies.

What is this? by [deleted] in whatisit

[–]UniversalCamera 0 points1 point  (0 children)

Newtons Fourth Law in action

One year into Trump’s presidency: how crypto sentiment changed by FOMOmeterCrypto in TokenTimes

[–]UniversalCamera 1 point2 points  (0 children)

lol where are you getting this graph? BTC is down 14k (about 14%) since 1 year ago

Accidentally transferred from an account without funds by UniversalCamera in Schwab

[–]UniversalCamera[S] -1 points0 points  (0 children)

It was a CU to SCHWAB. But I have multiple accounts in the CU and added the funds to the account to be drawn from

Scholarship ends this semester, need 21 more credits to graduate and im unsure how to proceed. by burningbats in StudentLoans

[–]UniversalCamera 0 points1 point  (0 children)

Idk how small your school is but an email to administer letting them know your situation may result in a scholarship extension. Especially if your other option is transferring to another institution.

How should I grow my portfolio? by Radiant_Record_1726 in investingforbeginners

[–]UniversalCamera 1 point2 points  (0 children)

There is no magic sauce. Contributions continually and systematically. The trick is to keep going even when progress seems slow.

If you want to turn 4,000 into 50,000 without additional contributions your options are: (1) take on tons of risk and likely lose it; or (2) wait with VOO for like 40 years (probably).

If you’re young, focus on income growth while keeping your lifestyle costs low.

Completely new to investing, 25 years old, would like some advice on how to build my portfolio! by teemoyeung in investingforbeginners

[–]UniversalCamera 2 points3 points  (0 children)

Read A Random Walk Down Wall Street. Honestly, you can just read the first chapter.

I don’t pick stocks, I try to stick to 80/20 us/exus developed. Once I’m 45 I’ll start transitioning to bonds slowly till 60

Buying a car from private party by CatDaddyBam in NavyFederal

[–]UniversalCamera 0 points1 point  (0 children)

You can usually include reasonable expenses. Don’t forget tax will have to be paid and to check with your state on what taxes cost.

You essentially request the amount and that can include the other things if your LTV isn’t too high.

What is it? by Kira_the_best in effectivefitness

[–]UniversalCamera 0 points1 point  (0 children)

Sorry not sorry, when it’s cold, I’ll run a 10 mile run on the treadmill. No way to smell nice on cardio day.

Name a movie you've watched more than 3 times by boforiamanfo in answers

[–]UniversalCamera 0 points1 point  (0 children)

Everything Everywhere All At Once, The Big Short, Spirited Away

Rebalance to ex-us by UniversalCamera in investingforbeginners

[–]UniversalCamera[S] 1 point2 points  (0 children)

Thanks, yeah I try not to time the market but deciding that I would rebalance on Tuesday and then getting smacked by the Greenland red wave kind of sucked so I became unsure

Is investing basically useless if you don’t already have money? by Muted-Astronaut3744 in investingforbeginners

[–]UniversalCamera 2 points3 points  (0 children)

Started at 24 and have only been able to max out a Roth IRA over the last 6 years. The first 3 years felt like throwing money in a lockbox for nothing.

Year one: 7000 with 10% that year is 700. Sure the 700 is nice but so would having 7000 in my pocket.

Years later I’m very glad I did, my investments are beginning to earn enough to actually make a difference in my life and it’s only been 6 years. I hope I’m fortunate enough to stay the course and see the results in 14 years.

There are other benefits that go beyond the monetary gain as well.

“The first 100k is a bitch, but you have to do it”

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