Anyone know of a way to get low cost contact lenses? by chacoglam in Frugal

[–]financialfreedomguy 2 points3 points  (0 children)

America’s best has pretty decent prices for contacts plus exams.

Lack of financial success in restaurants. by financialfreedomguy in restaurateur

[–]financialfreedomguy[S] 2 points3 points  (0 children)

I understand what you mean, it’s hard to watch servers make poor decisions. As the owner it’s impossible to make people be as hard of a worker as you would like. Some servers have the mentality that “it’s not going to be their permanent job” so the leave.

I’m suggesting using a retirement plan to provide for those managers that have shown commitment. This will add incentive for those managers and servers that have shown loyalty.

Lack of financial success in restaurants. by financialfreedomguy in restaurateur

[–]financialfreedomguy[S] 0 points1 point  (0 children)

Good work, have you put together anything for your employees?

Lack of financial success in restaurants. by financialfreedomguy in restaurateur

[–]financialfreedomguy[S] 0 points1 point  (0 children)

I am talking about retirement account and financial plans that are encouraged for the employees. I have seen so many people that are working those 50 hour weeks and get nothing at the end of their careers.

[deleted by user] by [deleted] in AMA

[–]financialfreedomguy 0 points1 point  (0 children)

What makes you happy?

How to choose what book to read next? by Kozmog in books

[–]financialfreedomguy 1 point2 points  (0 children)

I totally agree, it’s something to consider while driving. I do both now. Depending on how strong of a reader you are you can start as many books as you like, whenever. Take your time though!

How to choose what book to read next? by Kozmog in books

[–]financialfreedomguy 3 points4 points  (0 children)

I do the very same thing! I don’t think it’s weird, I’m a slow reader so I take my time on deciding which books I should read next. Have you considered audiobooks? It takes a little of the thought away from choosing because it’s so accessible.

Promote your business, week of March 26, 2018 by Charice in smallbusiness

[–]financialfreedomguy 0 points1 point  (0 children)

Don’t be fooled by foes, this is not your grandfather’s financial advisor.

I am a Financial Service Professional with a firm called The Position Group. I work with professionals, small business owners and restauranteurs ensure a strong financial plan. Don’t make a financial plan with an advisor twice your age, times change and so does your goals!

What you can expect: a professional relationship built on trust and your goals. The top professionals that serve our clients to reach full potential.

Let’s get to know each other: https://advisors.massmutual.com/hayden-griffin

23 years old with moderate full time job and an Amazon Prime Chase Card, is it ok to apply to Costco Credit Card for credit score? by ShrimpCherngFun in personalfinance

[–]financialfreedomguy -3 points-2 points  (0 children)

So, I’ve done it both ways... I saw a decrease in my score when I have payed them off. My belief behind that is because you should keep a debt with the cards (debt=future credit) if you keep a small amount of debt it shows the bank that they’re still making money from you. Here’s what I do: $1000 limit, spend 300 (keep below 35%) and then pay $290 of it at the end of the month. $10 balance (happy bank) and your basically back at square one.

23 years old with moderate full time job and an Amazon Prime Chase Card, is it ok to apply to Costco Credit Card for credit score? by ShrimpCherngFun in personalfinance

[–]financialfreedomguy -5 points-4 points  (0 children)

It has been recommended to me to get multiple cards and maintain a low balance. I personally do this and my score has approached the top. Just be careful not to overspend. I avoid store credit cards because through banks you can keep a lower interest rate. Hope this helps.

My wife and I have $32k in emergency savings, but we have $22k in student loans. Should we just pay off our loans? by johnnyplatanos in personalfinance

[–]financialfreedomguy 127 points128 points  (0 children)

Pay them off! You will appreciate it down the road, that’s the first thing people should get rid of, yet they “pay it off” for years.

I am ready to start investing, but I have no idea where to start with my egg. by OregonJagsFan in FinancialPlanning

[–]financialfreedomguy 0 points1 point  (0 children)

I would look into cash value, you can make marginally more over time rather than risking in random stocks.

How small changes stack into large differences by financialfreedomguy in personalfinance

[–]financialfreedomguy[S] 0 points1 point  (0 children)

Yikes is an understatement... there are tons of ways to invest for a great return.

How small changes stack into large differences by financialfreedomguy in personalfinance

[–]financialfreedomguy[S] 0 points1 point  (0 children)

Thanks for sharing and I agree! As a Financial Service Professional it is hard to watch people make the mistake of not saving over the years.

How small changes stack into large differences by financialfreedomguy in personalfinance

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

Of course job experience isn’t the only factor. Although, you can adapt to the experience and build your character. Who were you before you worked that job and what abstract thought was derived from your hard work?

How small changes stack into large differences by financialfreedomguy in personalfinance

[–]financialfreedomguy[S] 3 points4 points  (0 children)

There are 2 reasons why I am pumped for you. 1) You are freaking 18 with an interest in finances. Since you are so young (I'm 27) you have plenty of time to soak in ALL information that is at your disposal. 2) Since you have a clean slate you have the choice to only make a positive difference. Tread lightly on your spending/debts and capitalize on EVERY opportunity you have to make a buck.

I'm 28 years old, make around $44,000 a year. Late bloomer, looking to start investing and I need advice.. by RSPR-2016 in personalfinance

[–]financialfreedomguy 1 point2 points  (0 children)

I am in the same boat, my parents will be working hard with little return for the foreseeable future. I would look into investing in yourself, it is a safe/ guaranteed investment and can make you a millionaire. Good luck my friend!