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OfflinegeokillsA
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Money Matters... You Better Believe it! * 4
    #7828576 - 01/03/08 06:06 PM (16 years, 28 days ago)



Welcome to the Shroomery's first financial district! :sun:

We're here to discuss all things money related.  We all have to deal with money management in one way or another.  Some of us are better at it than others, some prefer to let others take care of it for us, and some just plain don't care.  There are many different approaches to managing your money, and ultimately it is up to each individual to decide which approach is best for them.  But that doesn't mean we shouldn't discuss together, ask questions and teach one another, in turn expanding our knowledge on a topic that affects every one of us on a daily basis.

So whether you're looking to absolve yourself from the weight of crippling credit card debt, you're interested in planning for your retirement, college, buying a home, investing, entrepreneurship, or the tax man - this is the forum that will help you grasp the reigns of your financial future!

Your money will be an underlying theme throughout the rest of your life,
Set yourself up early and recognize that indeed, your money matters... $


Quote:

"Please read before posting referral or affiliate links" from Ythan:
I've noticed a bunch of referral and affiliate links lately in this forum. This is Money Matters and I understand everyone wants to make a buck. But please follow these guidelines to ensure a pleasant browsing experience for all:
  • If you're going to post any type of referral or affiliate link, you should have 100 posts and be registered for at least a month. Otherwise you risk being summarily banned as a spammer.

  • All referral and affiliate links must be clearly indicated as such, and an alternate non-referral link to the same page must be provided. Eg. "if you want to sign up, I get $10 if you use this link, or if you hate me use this non-referral link instead".

  • If you're posting an affiliate link you should have some experience with the program, offer your own thoughts about it, and be able to answer follow-up questions from other members.

  • Use the search, and if someone has already posted about an affiliate program, don't re-post about it or bump the old thread just to add your own referral link.

  • No MLM/Ponzi/pyramid schemes. No "FREE IPOD!" offers where you sign up for a bunch of trials and get a reward.

  • Finally, if you aren't sure whether a link is okay, ask a mod or just don't post it. If you fail to do this and your post gets deleted, understand that it's the mod's call.

These are just some ground rules, and this list may be amended as necessary, but for now just please use common sense and follow the spirit of the guidelines so we don't have to ban referral links entirely. Thanks!




"A Brief Word on Money Matters" from Wiccan_Seeker:
Before participating, it is important to realize that your personal money matters are your responsibility. Taking personal responsibility for your financial affairs is the very first step to take.

Do your own research! Please realize that we're all only human with our likes and dislikes, and that any of us, at any time, could be dead wrong about the advice we give, and not realize it. Do not blindly accept "facts" as gospel truth, but do your own independent research, especially if you want to adopt a certain strategy. Also, in making posts and giving advice, realize that none of us holds the absolute truth no matter how convinced we might be of being right.

Don't be a bystander in your own finances and life, but instead take full responsibility and use your best judgement when making decisions. Empower yourself and take charge of your life, because when you're not behind the wheel - no one is driving.

WS






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OfflinegeokillsA
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Re: Money Matters... you better believe it! [Re: Colonel Kurtz Ph.D] * 1
    #7828715 - 01/03/08 06:35 PM (16 years, 28 days ago)

Don't tell anyone, but the real reason I set this up was so my boring ol' financial threads wouldn't die so quickly as they did in the Pub! :wink::whip:


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Re: Money Matters... You Better Believe it! [Re: Groovy Grant]
    #11836468 - 01/15/10 04:47 PM (14 years, 15 days ago)

Holy snipes, it's Groovy Grant!  Good to see an old familiar moniker 'round here!  :smile2:


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Re: Life insurance as an investment vehicle [Re: shroomystone]
    #21282162 - 02/16/15 11:04 AM (8 years, 11 months ago)

Only spend as much as you can afford to spend.  Pick a credit card that has a good reward program (Citi DoubleCash is one of the best available in the US presently), put all of your purchases on your card to accrue the rewards, and make sure to pay off your card's balance each and every month so that you don't pay interest on your purchases.

If you need to use additional credit (i.e. make purchases you can't afford to pay off immediately), you should generally only do this in an emergency and try to find a card that offers a 0% introductory rate for at least several months, or a 0% introductory rate on a balance transfer to your existing card, in the hope that you won't have to accrue interest on your debt before you can pay it off. 

Credit card interest rates are generally high and thus credit card debt is not desirable, but because many credit cards offer rewards and all credit cards have a "grace period" (typically one month) where no interest is due, you can use them to accrue rewards and pay them off during the grace period to avoid paying any interest.  Thus, an effective discount on all of your purchases, when used correctly.


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Re: Life insurance as an investment vehicle [Re: shroomystone] * 1
    #21283229 - 02/16/15 02:32 PM (8 years, 11 months ago)

The Citi DoubleCash card I have was issued as a Mastercard, but I would not be surprised if this particular card is only available to individuals in the US.  Visa and Mastercard have the highest level of global acceptance, so they are your best choice for a card network.  You should however, still research what kind of rewards each individual bank who issues a Visa/Mastercard in your area is offering, so that you can choose the one that will benefit you most.  It is generally a good idea to stay away from cards with an annual fee.


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