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Where to slowly put $5000 for emergency savings

the.gladiator1987 said:
and fuck you 75th I give you advice in the weightlifting forum and u keep just talkin shit to me fuck you faggot ima see that ur ass gets banned.
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First, you'd better be joking about this part.

Second, even though these guys are ripping you apart verbally ITT, they're really giving you some good advice.

Man, you are still paying off debt with interest rates well above 6.5%. Silver has averaged a 6.5% return over the last 30+ years, and most of that has been in the last 4-5 years. When it corrects it will likely fall back around it's comfortable $4-6 range, where it has usually sat over the last 30+ years.

I told you long ago in a similar thread your best investment currently would be to PAY OFF YOUR FUCKING HIGH INTEREST BILLS! Want to make a 12% return? Pay off that 12% credit line! You are hard headed as fuck. I think you have some ADD/ADHD or something. You bring up this crazy shit you get all excited about, then you get set back to reality here. Then in a few weeks, you have another hair-brained scheme.

Investing is good. But you are shit poor and you have credit lines with interest. Remember that? That's where you should put that extra $200 a month until the debt is all paid off.
 
ceo said:
First, you'd better be joking about this part.

Second, even though these guys are ripping you apart verbally ITT, they're really giving you some good advice.

Man, you are still paying off debt with interest rates well above 6.5%. Silver has averaged a 6.5% return over the last 30+ years, and most of that has been in the last 4-5 years. When it corrects it will likely fall back around it's comfortable $4-6 range, where it has usually sat over the last 30+ years.

I told you long ago in a similar thread your best investment currently would be to PAY OFF YOUR FUCKING HIGH INTEREST BILLS! Want to make a 12% return? Pay off that 12% credit line! You are hard headed as fuck. I think you have some ADD/ADHD or something. You bring up this crazy shit you get all excited about, then you get set back to reality here. Then in a few weeks, you have another hair-brained scheme.

Investing is good. But you are shit poor and you have credit lines with interest. Remember that? That's where you should put that extra $200 a month until the debt is all paid off.
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This whole thread has now been ruined thanks to your rationality and logic. Way to go.~
 
Also, glad bro, why not ask your dad for some advice on investing. You don't have the cash to play around with, but the stock market can be a low-risk, low-return or a high-risk, high-return investment depending on what you want to do if you did have cash to invest. Your dads a chiro bro, and if If I had to guesstomate, he probably has some money, and he's probably pretty smart with it.

So the best advice is probably right in front of you.
 
His dad is the administrative assistant at a chiropractors office.
 
ceo said:
First, you'd better be joking about this part.

Second, even though these guys are ripping you apart verbally ITT, they're really giving you some good advice.

Man, you are still paying off debt with interest rates well above 6.5%. Silver has averaged a 6.5% return over the last 30+ years, and most of that has been in the last 4-5 years. When it corrects it will likely fall back around it's comfortable $4-6 range, where it has usually sat over the last 30+ years.

I told you long ago in a similar thread your best investment currently would be to PAY OFF YOUR FUCKING HIGH INTEREST BILLS! Want to make a 12% return? Pay off that 12% credit line! You are hard headed as fuck. I think you have some ADD/ADHD or something. You bring up this crazy shit you get all excited about, then you get set back to reality here. Then in a few weeks, you have another hair-brained scheme.

Investing is good. But you are shit poor and you have credit lines with interest. Remember that? That's where you should put that extra $200 a month until the debt is all paid off.
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i agree... and in the process work on his credit. when he buys a house or car down the line he will save a bundle on a better interest rate. people work their butts off to get a deal on a house or car, then they get ripped off cause they pay a ridiculous interest rate. makes little sense to me. car dealers do that all the time.. they knock off 2K off the price of the car but then give you a high interest rate and get back their money and then some.
 
It all comes back to living in reality and not in this "baller" fantasy world. Everyone thinks they are better than what they are currently doing.
That actually takes work though.. Realize the mistakes you make and you can move forward. Ignore them and prepare for things to get even worse.
 
This thread really just shows me how ignorant you guys are about silver lol its all good. I am gonna just put my emergency savings in a savings account and not touch it. This thread wasnt even about silver but you guys made such a big deal about it lol @ u guys nitpicking my life

Basically Im paying my monthly bills, then putting so much away for emergency savings, then putting so much away into silver, then with any extra money I wanna do a medium-high risk day-trader kind of stock investment. O yea I will find out if the kid is mine within 3 weeks and Ill have CS payment too, damnit

Thank you guys once again for crushing my dreams and continuing to honor my threads with your presence
 
ceo said:
First, you'd better be joking about this part.

Second, even though these guys are ripping you apart verbally ITT, they're really giving you some good advice.

Man, you are still paying off debt with interest rates well above 6.5%. Silver has averaged a 6.5% return over the last 30+ years, and most of that has been in the last 4-5 years. When it corrects it will likely fall back around it's comfortable $4-6 range, where it has usually sat over the last 30+ years.

I told you long ago in a similar thread your best investment currently would be to PAY OFF YOUR FUCKING HIGH INTEREST BILLS! Want to make a 12% return? Pay off that 12% credit line! You are hard headed as fuck. I think you have some ADD/ADHD or something. You bring up this crazy shit you get all excited about, then you get set back to reality here. Then in a few weeks, you have another hair-brained scheme.

Investing is good. But you are shit poor and you have credit lines with interest. Remember that? That's where you should put that extra $200 a month until the debt is all paid off.
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I dont have a 12% interest payment at all. I have no bills that have interest. I used to when I was with my ex because I was paying both our bills, but now Im just finishing paying tickets and by summer Ill be debt free (minus student loan)

iggy said:
Also, glad bro, why not ask your dad for some advice on investing. You don't have the cash to play around with, but the stock market can be a low-risk, low-return or a high-risk, high-return investment depending on what you want to do if you did have cash to invest. Your dads a chiro bro, and if If I had to guesstomate, he probably has some money, and he's probably pretty smart with it.

So the best advice is probably right in front of you.
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I did bro, he says do what Im doing. He might lend me some money but who knows, id prob have a better chance from my bro

axismundi said:
Not to mention silver has REAL value for it's many many industrial uses... where u.s. currency, is only backed by the federal reserve, which is NOT the government, but rather an international PRIVATE consortium of banks and is only worth the heat you can get from burning the ragcloth
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Exactly! I dont understand what is so hard to get about this...the fact that silver is already 33/oz, and that there are more certificates than there actually is silver, and that silver is used in industry makes me wonder why ppl think its so crazy and dumb to invest in it. And exactly its not an investment, its long term savings. I know im right lol thats what is so funny about this thread

lartinos said:
That only adds up to 96 dollars out of 100 dollars spent..
I guess that is where people take their profit on the people they lure into crap like this.
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o wow 4 dollars, really Lart? Yea I know what an idiot I am!

Lets add up shipping cost bud

miplank said:
glad, you're seriously one of the stupidest people I know.
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miplank, thank you bro. Go play with your cars

trex74 said:
I don't know if there is an equivalent in the States, but if you were here I would suggest a Tax-Free Savings account. You can deposit up to 5000 each year. It is not counted as taxable income, and there is no penalty for withdrawals. You can invest it however you want, whether it is a GIC, money market fund, mutual fund, whatever. It is a good choice for short-medium length savings.
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Thank you! That is a great idea, mutual fund might be the way to go..
 
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e*trade account...IVV (ishares s&p 500 index) and JKD (ishares morningstar large core index)...just split your $$ between the two of them and forget about it...friday's are usually a good day to buy but, just watch the news and everytime there is turmoil in the middle east (or anywhere else for that matter), go in your e*trade account the next day and buy after the inevitable dip.
 
Day-trading is dangerous and I am calling it now you will lose money. DO NOT DO IT.
 
lartinos said:
Day-trading is dangerous and I am calling it now you will lose money. DO NOT DO IT.
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Really? I mean its extra money that I will be able to blow anyway and it is a high risk/high reward kind of thing

But i do know that ppl get screwed over all the time in it, but some also come up big

I jus wanna play around with some extra money
 
the.gladiator1987 said:
Really? I mean its extra money that I will be able to blow anyway and it is a high risk/high reward kind of thing

But i do know that ppl get screwed over all the time in it, but some also come up big

I jus wanna play around with some extra money
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Try playing around without spending any money first.
Or just jump in to it and try it. But what's the point? You can't just randomly just go into daytrading and expect to make money.
You see the pattern you are in? You go from one thing to another that you have no idea how to do. "Go with what you know"
That means you only start and invest in business' that you know something about. And if you don't know anything start doing your HW now so that eventually you will be in a position to do so. It takes work. In the meantime you can pay off your debt.
 
the.gladiator1987 said:
Really? I mean its extra money that I will be able to blow anyway and it is a high risk/high reward kind of thing

But i do know that ppl get screwed over all the time in it, but some also come up big

I jus wanna play around with some extra money
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do what i said above ^^^^ you can thank me in 10 years when your $5,000 turned into $15,000 all by itself...without you having to waste one second of your time thinking about it...and, the more you put in the better your results will be.
 
digimon7068 said:
e*trade account...IVV (ishares s&p 500 index) and JKD (ishares morningstar large core index)...just split your $$ between the two of them and forget about it...friday's are usually a good day to buy but, just watch the news and everytime there is turmoil in the middle east (or anywhere else for that matter), go in your e*trade account the next day and buy after the inevitable dip.
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nice
 
the.gladiator1987 said:
Really? I mean its extra money that I will be able to blow anyway and it is a high risk/high reward kind of thing

But i do know that ppl get screwed over all the time in it, but some also come up big

I jus wanna play around with some extra money
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I say go for it... I"ll pay 15$ to watch an imax 3d movie, that usually sucks and I walk away with nothing but a sore ass from worn out theater seats... if you wanna use a little money to play with, screw these people and go for it brother!
 
lartinos said:
Try playing around without spending any money first.
Or just jump in to it and try it. But what's the point? You can't just randomly just go into daytrading and expect to make money.
You see the pattern you are in? You go from one thing to another that you have no idea how to do. "Go with what you know"
That means you only start and invest in business' that you know something about. And if you don't know anything start doing your HW now so that eventually you will be in a position to do so. It takes work. In the meantime you can pay off your debt.
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Well this is what im doin bro, doin my homework. I didnt say i was gonna put 3000 dollars into daytrading this afternoon. Im just getting an idea of what i can do after I pay monthly bills, long term savings, and short term savings.

I go from one thing to another? What have i gone from? I am slowly starting a nutrition business. I am just starting to get into buying silver. Now I wanna slowly get into the stock market. I dont understand what "ideas" I have that you guys say and that I always jump from one to another. What are you talking about?
 
digimon7068 said:
do what i said above ^^^^ you can thank me in 10 years when your $5,000 turned into $15,000 all by itself...without you having to waste one second of your time thinking about it...and, the more you put in the better your results will be.
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So are you talking about a slow steady stock + compound interest?
 
axismundi said:
I say go for it... I"ll pay 15$ to watch an imax 3d movie, that usually sucks and I walk away with nothing but a sore ass from worn out theater seats... if you wanna use a little money to play with, screw these people and go for it brother!
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lmao hell yea bro seriously I waste my money on shit too might as well waste it on tryin to make some extra money
 
Glad, you need to pick one thing, JUST ONE THING, and dedicate the time, energy, and work necessary to be succussful at it. This will take more than one year at minimum. You cant keep splintering off into different ventures everytime something sparkly catches your eye. Success doesnt work that way, if it did everyone would be rich who logged onto ebay or opened a daytrading account, but theyre not. Because being good at something takes years of dedication and work.
Think about your bodybuilding. Steroids notwithstanding, how long have you been working hard at your physique? Even though youre only 21 Im pretty sure youve been working out really hard at least 3 years, along with the necessary diet and time to research bodybuilding and gear in general. The point is it didnt just happen in a month. Bodybuilding success is no different than business success. If it were just that easy every swinging dick would be walking around at 225 and 5% BF , but they arent, because its fucking hard and takes years of hard work and dedication.
 
superdave said:
Glad, you need to pick one thing, JUST ONE THING, and dedicate the time, energy, and work necessary to be succussful at it. This will take more than one year at minimum. You cant keep splintering off into different ventures everytime something sparkly catches your eye. Success doesnt work that way, if it did everyone would be rich who logged onto ebay or opened a daytrading account, but theyre not. Because being good at something takes years of dedication and work.
Think about your bodybuilding. Steroids notwithstanding, how long have you been working hard at your physique? Even though youre only 21 Im pretty sure youve been working out really hard at least 3 years, along with the necessary diet and time to research bodybuilding and gear in general. The point is it didnt just happen in a month. Bodybuilding success is no different than business success. If it were just that easy every swinging dick would be walking around at 225 and 5% BF , but they arent, because its fucking hard and takes years of hard work and dedication.
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Why cant I put my time and energy into more than one thing? lol where the fuck is the rule book that says that?

I know wat ur sayin bro, def not gonna be rich overnight. I understand that. but you guys act like im putting so much time into buying silver? lol ALL I DO IS LOG ONTO EBAY AND BID. not too much time and energy. And supplement business? Slowly, every day grinding out the details and research. Stock market info is brand new to me but i wanna get in it now, I dont wanna wait. I have the time and dedication to be successful at more than 1 thing at a time
 
superdave said:
Glad, you need to pick one thing, JUST ONE THING, and dedicate the time, energy, and work necessary to be succussful at it. This will take more than one year at minimum. You cant keep splintering off into different ventures everytime something sparkly catches your eye. Success doesnt work that way, if it did everyone would be rich who logged onto ebay or opened a daytrading account, but theyre not. Because being good at something takes years of dedication and work.
Think about your bodybuilding. Steroids notwithstanding, how long have you been working hard at your physique? Even though youre only 21 Im pretty sure youve been working out really hard at least 3 years, along with the necessary diet and time to research bodybuilding and gear in general. The point is it didnt just happen in a month. Bodybuilding success is no different than business success. If it were just that easy every swinging dick would be walking around at 225 and 5% BF , but they arent, because its fucking hard and takes years of hard work and dedication.
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but thanks bro. I will show u guys how im dedicated when my next bank statement has 6 figs on it
 
the.gladiator1987 said:
Why cant I put my time and energy into more than one thing? lol where the fuck is the rule book that says that?

I know wat ur sayin bro, def not gonna be rich overnight. I understand that. but you guys act like im putting so much time into buying silver? lol ALL I DO IS LOG ONTO EBAY AND BID. not too much time and energy. And supplement business? Slowly, every day grinding out the details and research. Stock market info is brand new to me but i wanna get in it now, I dont wanna wait. I have the time and dedication to be successful at more than 1 thing at a time
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Is your bro successful at more than one thing or does he focus on just ONE thing and put the pedal to the metal and became successful at it?
No its not written in stone that you cant do more than one thing but the point is you have something right now that pays the bills, then you have a "venture" on the side that you are really working towards building and making successful so you dont have to do whatever it is youre doing that only "pays the bills" (usually jobs). This is how everyone builds some sort of business and becomes successful, unless you have years worth of cash laying around in savings that you can live off of while only focusing on your business venture you want to build.
 
superdave said:
Is your bro successful at more than one thing or does he focus on just ONE thing and put the pedal to the metal and became successful at it?
No its not written in stone that you cant do more than one thing but the point is you have something right now that pays the bills, then you have a "venture" on the side that you are really working towards building and making successful so you dont have to do whatever it is youre doing that only "pays the bills" (usually jobs). This is how everyone builds some sort of business and becomes successful, unless you have years worth of cash laying around in savings that you can live off of while only focusing on your business venture you want to build.
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He owns real estate, owns a bowling alley, owns the top performing apricot seed biz (lolz for real), and owns precious metals

He started slowly. He has owned many different real estate properties, has owned Qzar's before, used to flip cars, still does the same with houses. But Im not sure what he did to get started. not sure how he got the money since he is 40, so i was born when he started getting into it at about 19 y/o.

But yea thats my goal is to have my side business's make me some cash flow
 
the.gladiator1987 said:
He owns real estate, owns a bowling alley, owns the top performing apricot seed biz (lolz for real), and owns precious metals

He started slowly. He has owned many different real estate properties, has owned Qzar's before, used to flip cars, still does the same with houses. But Im not sure what he did to get started. not sure how he got the money since he is 40, so i was born when he started getting into it at about 19 y/o.

But yea thats my goal is to have my side business's make me some cash flow
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Well that proves my point. Hes had almost 20 more years than you to work at becoming successful at business ventures. If youre using him as your template than you better take his age into account and start to realize it takes many years, not a month or two. In otherwords quit posting about different side things you want to try out every month and just focus on what you KNOW has long term feasible potential, that suits your personality and aptitudes. Then slowly and consistently work towards becoming successful at it. And please try to remember the old adage if it was easy and didnt take long everyone would be rich doing it
 
superdave said:
Well that proves my point. Hes had almost 20 more years than you to work at becoming successful at business ventures. If youre using him as your template than you better take his age into account and start to realize it takes many years, not a month or two. In otherwords quit posting about different side things you want to try out every month and just focus on what you KNOW has long term feasible potential, that suits your personality and aptitudes. Then slowly and consistently work towards becoming successful at it. And please try to remember the old adage if it was easy and didnt take long everyone would be rich doing it
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Why is he telling me to do all these things then brah? His mindset is that Im 21 and young and he wishes he would have done the same thing im thinking about doing at 21 y/o. Hes also saying yea I have bills, not much, and that at 21 I can afford to take risks and lose money, When you are older and have a wife, kids, mortgage payment, car payments, etc, then you cant afford to just throw money into something
 
Please do us all a favor and keep a long on here of your day trading activity.

Ill never have to go to the movies again.
 
digimon7068 said:
e*trade account...IVV (ishares s&p 500 index) and JKD (ishares morningstar large core index)...just split your $$ between the two of them and forget about it...friday's are usually a good day to buy but, just watch the news and everytime there is turmoil in the middle east (or anywhere else for that matter), go in your e*trade account the next day and buy after the inevitable dip.
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Neither one seems to have done that great... one pretty much just keeps going from 70 up to 140 then back down to 70.... might be nice if you are buying at 70, selling at 140, then waiting to buy again at 70 but who wants to ride that roller coaster
 
axismundi said:
Neither one seems to have done that great... one pretty much just keeps going from 70 up to 140 then back down to 70.... might be nice if you are buying at 70, selling at 140, then waiting to buy again at 70 but who wants to ride that roller coaster
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Its like with silver, I know that in 10 - 15 years it will have gone up in value a LOT. 100% guaranteed. And 100% guaranteed it will never be worthless, unlike a stock or shares you buy that are just pieces of paper

I do wanna blow a little money on some high risk high reward stocks. Just to play around with it, sharebuilder.com charges 9.95 per trade though. Sogo hasnt emailed me back and optionshouse hasnt either.
 
glad why even bother with the chump change you got. Pay off your bills and save up a substantial amount of money. Then start over and save another substantial amount to "invest". Remember that you should only invest what you can afford to lose and your broke dick ass can't afford to lose anything at this point.
 
miplank said:
glad why even bother with the chump change you got. Pay off your bills and save up a substantial amount of money. Then start over and save another substantial amount to "invest". Remember that you should only invest what you can afford to lose and your broke dick ass can't afford to lose anything at this point.
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Im just trying to do all at the same time. So if I have an extra 600/month, i wanna put 300 into emergency savings, 200 into silver, and 100 into stocks.

and i can afford to lose everything. I am 21 years old. Is my life going to be over if i lose a couple hundred dollars a month? no. I have 3 jobs and I can easily get part time job ANYWHERE. Im good looking and am a good worker with a good work history, my felony comes off in 3 weeks, i can always find a job and make it. I have places I can stay if it came down to that. I live with my dad and he is even telling me to buy silver. So i really am not broke I just have never been able to save because Ive had so many bills. but those will all be paid off by summer
 
the.gladiator1987 said:
Im just trying to do all at the same time. So if I have an extra 600/month, i wanna put 300 into emergency savings, 200 into silver, and 100 into stocks.

and i can afford to lose everything. I am 21 years old. Is my life going to be over if i lose a couple hundred dollars a month? no. I have 3 jobs and I can easily get part time job ANYWHERE. Im good looking and am a good worker with a good work history, my felony comes off in 3 weeks, i can always find a job and make it. I have places I can stay if it came down to that. I live with my dad and he is even telling me to buy silver. So i really am not broke I just have never been able to save because Ive had so many bills. but those will all be paid off by summer
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the.gladiator1987 said:
Im just trying to do all at the same time. So if I have an extra 600/month, i wanna put 300 into emergency savings, 200 into silver, and 100 into stocks.

and i can afford to lose everything. I am 21 years old. Is my life going to be over if i lose a couple hundred dollars a month? no. I have 3 jobs and I can easily get part time job ANYWHERE. Im good looking and am a good worker with a good work history, my felony comes off in 3 weeks, i can always find a job and make it. I have places I can stay if it came down to that. I live with my dad and he is even telling me to buy silver. So i really am not broke I just have never been able to save because Ive had so many bills. but those will all be paid off by summer
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lololololloooollllollo
 
the.gladiator1987 said:
Im just trying to do all at the same time. So if I have an extra 600/month, i wanna put 300 into emergency savings, 200 into silver, and 100 into stocks.

and i can afford to lose everything. I am 21 years old. Is my life going to be over if i lose a couple hundred dollars a month? no. I have 3 jobs and I can easily get part time job ANYWHERE. Im good looking and am a good worker with a good work history, my felony comes off in 3 weeks, i can always find a job and make it. I have places I can stay if it came down to that. I live with my dad and he is even telling me to buy silver. So i really am not broke I just have never been able to save because Ive had so many bills. but those will all be paid off by summer
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Yes, you are broke. You work 3 jobs and have a measly $600 a month left over every month. Fuck, I have more money in my wallet than you do in your entire savings.

It's good that you want to do better for yourself, but be smart about it. Take the advice you've been given.
 
the.gladiator1987 said:
Why is he telling me to do all these things then brah? His mindset is that Im 21 and young and he wishes he would have done the same thing im thinking about doing at 21 y/o. Hes also saying yea I have bills, not much, and that at 21 I can afford to take risks and lose money, When you are older and have a wife, kids, mortgage payment, car payments, etc, then you cant afford to just throw money into something
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It doesnt matter if hes telling you to do 100 different things, the principles still apply: years of dedicated work and becoming educated on whatever business you are endeavouring in. Its like you telling a roid noob he can choose between all these different cycles and foods and workouts, but in the end he will have to settle on something that works and work at it long term and consistently. Principles of the game dont change, ask anyone. doesnt matter if its ebay biz or real estate.
 
superdave said:
It doesnt matter if hes telling you to do 100 different things, the principles still apply: years of dedicated work and becoming educated on whatever business you are endeavouring in. Its like you telling a roid noob he can choose between all these different cycles and foods and workouts, but in the end he will have to settle on something that works and work at it long term and consistently. Principles of the game dont change, ask anyone. doesnt matter if its ebay biz or real estate.
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i dont agree but thanks i guess ill agree to disagree. Ima work on multiple things at a time and you can work on one thing at a time.
 
miplank said:
Yes, you are broke. You work 3 jobs and have a measly $600 a month left over every month. Fuck, I have more money in my wallet than you do in your entire savings.

It's good that you want to do better for yourself, but be smart about it. Take the advice you've been given.
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congratulations, u inherited a lot of money. Great work.

being broke is not having a job, and not being able to pay bills. i pay all my bills and have money left over. Its all relative. I dont make as much as you no shit but i also dont have a car payment, mortgage payment, utility bills, money for kids (well soon), etc

Theres 10x more bashing than there is actual advice. But I am taking the advice, I am paying my bills and putting money away into savings. I didnt ask for advice anyway, I asked where I should put money instead of a savings account
 
the.gladiator1987 said:
i dont agree but thanks i guess ill agree to disagree. Ima work on multiple things at a time and you can work on one thing at a time.
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You can make moderate money each at several different things combined or you can make a lot of money on one thing, more money than the other little things all combined. Because you wont be constantly at the novice level at all the other ventures since you choose just one or maybe two things to go all out on. You are just *one* person and including your 3 jobs (these count as time/energy expenditures in your life), do you really think you can divide your time/energy over no less than 6 different money making activities going on in your life at the same time?
You just always see to be looking for the next greatest thing and refuse to settle down and focus on something realistic and compatible with yourself. Im not saying I havent done the same thing when I was your age and Im not saying youre an idiot, but you just gotta step back and see the big picture sometimes, then proceed.
 
the.gladiator1987 said:
congratulations, u inherited a lot of money. Great work.

being broke is not having a job, and not being able to pay bills. i pay all my bills and have money left over. Its all relative. I dont make as much as you no shit but i also dont have a car payment, mortgage payment, utility bills, money for kids (well soon), etc

Theres 10x more bashing than there is actual advice. But I am taking the advice, I am paying my bills and putting money away into savings. I didnt ask for advice anyway, I asked where I should put money instead of a savings account
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Dude, you are broke. You work 3 jobs, have a kid on the way, still live at home, etc.

Also, you wouldn't get bashed if you'd actually take the advice you're given instead of come back with comments about how you're right and everyone else is wrong when you really don't know what you're talking about.

Stop being an arrogant punk ass kid and you wouldn't get bashed as hard.
 
the.gladiator1987 said:
congratulations, u inherited a lot of money. Great work.

being broke is not having a job, and not being able to pay bills. i pay all my bills and have money left over. Its all relative. I dont make as much as you no shit but i also dont have a car payment, mortgage payment, utility bills, money for kids (well soon), etc

Theres 10x more bashing than there is actual advice. But I am taking the advice, I am paying my bills and putting money away into savings. I didnt ask for advice anyway, I asked where I should put money instead of a savings account
Click to expand...

olololololololloolllllolol
 
the.gladiator1987 said:
I didnt ask for advice anyway, I asked where I should put money instead of a savings account
Click to expand...

lol, Jesus Christ son.

You --- "I asked where I should put money instead of a savings account"

ad·vice   
[ad-vahys] Show IPA
–noun
1.
an opinion or recommendation offered as a guide to action, conduct

Holy shit, amazing.
 
superdave said:
You can make moderate money each at several different things combined or you can make a lot of money on one thing, more money than the other little things all combined. Because you wont be constantly at the novice level at all the other ventures since you choose just one or maybe two things to go all out on. You are just *one* person and including your 3 jobs (these count as time/energy expenditures in your life), do you really think you can divide your time/energy over no less than 6 different money making activities going on in your life at the same time?
You just always see to be looking for the next greatest thing and refuse to settle down and focus on something realistic and compatible with yourself. Im not saying I havent done the same thing when I was your age and Im not saying youre an idiot, but you just gotta step back and see the big picture sometimes, then proceed.
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thanks bro. That makes more sense to me. see you never bash me, and i respect that bro. :biggrin:
 
miplank said:
Dude, you are broke. You work 3 jobs, have a kid on the way, still live at home, etc.

Also, you wouldn't get bashed if you'd actually take the advice you're given instead of come back with comments about how you're right and everyone else is wrong when you really don't know what you're talking about.

Stop being an arrogant punk ass kid and you wouldn't get bashed as hard.
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nah i think ill continue to be an arrogant ass punk kid jus to piss you off

broke (br
omacr.gif
k)adj. Informal 1. Bankrupt.
2. Lacking funds: "Following the election, the Democrats were demoralized, discredited, and broke" (Thomas P. O'Neill, Jr.)

I dont lack funds. I dont make enough to save 3000 dollars a month, but im not broke, but good try
 
the.gladiator1987 said:
nah i think ill continue to be an arrogant ass punk kid jus to piss you off

broke (br
omacr.gif
k)adj. Informal 1. Bankrupt.
2. Lacking funds: "Following the election, the Democrats were demoralized, discredited, and broke" (Thomas P. O'Neill, Jr.)

I dont lack funds. I dont make enough to save 3000 dollars a month, but im not broke, but good try
Click to expand...
You're in debt, have a kid on the way, and want to throw money down the drain on silver (lolol, this is still hilarious.) Yes, you're a dumb ass.
 
the.gladiator1987 said:
nah i think ill continue to be an arrogant ass punk kid jus to piss you off

broke (br
omacr.gif
k)adj. Informal 1. Bankrupt.
2. Lacking funds: "Following the election, the Democrats were demoralized, discredited, and broke" (Thomas P. O'Neill, Jr.)

I dont lack funds. I dont make enough to save 3000 dollars a month, but im not broke, but good try
Click to expand...

you are broke, you have a kid coming live at home with your dad.

You're an adult that doesn't support himself and you couldn't if you wanted to. Why? because you are BROKE.
 
the.gladiator1987 said:
so not being broke means being able to live on your own? that makes no sense. So if i had an apt with a roommate would i be considered "broke" because I cant pay the whole rent each month?

Its smarter for me to live at home, not have to pay rent, save up money, pay off my bills, THEN go get my own place.
Click to expand...

You must really turn girls on when you say, "Hey baby, let's head to your place. My dad's home tonight."
 
the.gladiator1987 said:
so not being broke means being able to live on your own? that makes no sense. So if i had an apt with a roommate would i be considered "broke" because I cant pay the whole rent each month?

Its smarter for me to live at home, not have to pay rent, save up money, pay off my bills, THEN go get my own place.
Click to expand...

how long do you plan on living at home

Also whatever money you are blowing it could be said that you arent doing all you can to make moving into your own place happen sooner because of that.
 
the.gladiator1987 said:
so not being broke means being able to live on your own? that makes no sense. So if i had an apt with a roommate would i be considered "broke" because I cant pay the whole rent each month?

Its smarter for me to live at home, not have to pay rent, save up money, pay off my bills, THEN go get my own place.
Click to expand...

Living on your own is a start yes. Having a roommate has nothing to do with it, you're not paying anything towards your living expenses.

I agree it's smarter for you to be at home right now to save, but the reason you need to do that is because of your income level (broke). Lets put it this way, if your dad booted your ass out of his house right now and you had to make it on your own could you?
 
superdave said:
how long do you plan on living at home

Also whatever money you are blowing it could be said that you arent doing all you can to make moving into your own place happen sooner because of that.
Click to expand...

If im living with my dad, and he encourages me to buy silver, then idk what the problem is. Im only 21 and im goin to school. Why should i have the extra burden of rent/utilities. Im not blowing my money

In summer once I have all my debt paid off, I plan on moving out
 
the.gladiator1987 said:
If im living with my dad, and he encourages me to buy silver, then idk what the problem is. Im only 21 and im goin to school. Why should i have the extra burden of rent/utilities. Im not blowing my money

In summer once I have all my debt paid off, I plan on moving out
Click to expand...

So whats the school plan, bachelors, AA, certificate or....? Since you are moving out this summer are you finished with school? If you are going to be in school longer you may as well stay with dad until you are finished. Millions of college students do this and thats understandable.
 
Just a heads up glad, some time this week whenever I'm free I'm going to outbid everyone else on all your ebay apricot sales and then not pay.

Be on the look out for someone with no ebay feedback whatsoever.
 
75th said:
Just a heads up glad, some time this week whenever I'm free I'm going to outbid everyone else on all your ebay apricot sales and then not pay.

Be on the look out for someone with no ebay feedback whatsoever.
Click to expand...

lmao, good idea! :signs up for next week:
 
75th said:
Just a heads up glad, some time this week whenever I'm free I'm going to outbid everyone else on all your ebay apricot sales and then not pay.

Be on the look out for someone with no ebay feedback whatsoever.
Click to expand...

loolololololololololo
 
Mitch is right bro. It comes to back to you being delusional about who you are and where you are. I was broke at 21 as well. But after I graduated college I got a fulltime job etc.. What path are you on? Silver and daytrading will get you nowhere. What will get you somewhere is hardwork and the realization you are indeed starting from the bottom.
 
What sucks for glad is that working primarily from home gives me a lot of free time.

Although I did just sign a lease on Thursday for office space. :( May have to back out of the deal.
 
miplank said:
Living on your own is a start yes. Having a roommate has nothing to do with it, you're not paying anything towards your living expenses.

I agree it's smarter for you to be at home right now to save, but the reason you need to do that is because of your income level (broke). Lets put it this way, if your dad booted your ass out of his house right now and you had to make it on your own could you?
Click to expand...

Yea i could make it on my own, i have 3 jobs. I prob wouldnt be able to pay all my tickets every month but I could get an apt.

the reason im broke is because im 21 and dont have a career yet. Am i supposed to be making 4000 a month at 21 y/o? thatd be nice but that jus isnt possible because of my past
 
superdave said:
So whats the school plan, bachelors, AA, certificate or....? Since you are moving out this summer are you finished with school? If you are going to be in school longer you may as well stay with dad until you are finished. Millions of college students do this and thats understandable.
Click to expand...

PTA program. Its 21 months long, and you only need 4-5 classes as pre requisites. After the 21 months you are gonna make at least 45,000/year

Im not finished with school, I need to take the pre req's next semester and in spring, then start the PTA program next year

I "could" move out in the summer, but exactly. Ill be done with school at 23 y/o, thats still really young
 
the.gladiator1987 said:
Yea i could make it on my own, i have 3 jobs. I prob wouldnt be able to pay all my tickets every month but I could get an apt.

the reason im broke is because im 21 and dont have a career yet. Am i supposed to be making 4000 a month at 21 y/o? thatd be nice but that jus isnt possible because of my past
Click to expand...


How could you make it on your own? You just said you only had $600 a month left over every month from your 3 jobs and you're not currently paying any rent or utilities or anything like that.

I don't know cali, but I think you'd be hard pressed to find an apartment that you could rent for much less than $600 and have money left over for other necessities.
 
the.gladiator1987 said:
PTA program. Its 21 months long, and you only need 4-5 classes as pre requisites. After the 21 months you are gonna make at least 45,000/year

Im not finished with school, I need to take the pre req's next semester and in spring, then start the PTA program next year

I "could" move out in the summer, but exactly. Ill be done with school at 23 y/o, thats still really young
Click to expand...

Whats PTA, physical therapy assistant? How do you know you are going to be making 45k? Seems kinda high for just a PT assistant, maybe the actual PT starts out at 45k?
Why not just get a degree in PT and actually become a PT instead of the PT's assistant? You need a bachelors degree at minimum nowadays, now thats a good long term investment.
 
superdave said:
Whats PTA, physical therapy assistant? How do you know you are going to be making 45k? Seems kinda high for just a PT assistant, maybe the actual PT starts out at 45k?
Why not just get a degree in PT and actually become a PT instead of the PT's assistant? You need a bachelors degree at minimum nowadays, now thats a good long term investment.
Click to expand...

lol @ glad enrolling anywhere other than community college...
 
jiggagold said:
pta's make good money dave 35+, pt's have their masters,

high demand for pta's as well
Click to expand...

I dont know because I dont live in cali but just seems like weak sauce when you could just get a bachelors degree (which he should be getting anyhow) and become a full on PT instead of being the other PT's bitch. Seems you would be forever limited to just being a PTA since PT requires bachelors for license, etc.
 
miplank said:
How could you make it on your own? You just said you only had $600 a month left over every month from your 3 jobs and you're not currently paying any rent or utilities or anything like that.

I don't know cali, but I think you'd be hard pressed to find an apartment that you could rent for much less than $600 and have money left over for other necessities.
Click to expand...


I have 600 left after paying every single debt i have. i could reduce those by not paying the tickets and skipping some months until finally i got caught up. Just switching my priorites. i would make it but it wouldnt be the most ideal situation at all

I would def have to have a roommate, apt's are 700 alone for 1-2 bdr
 
superdave said:
Whats PTA, physical therapy assistant? How do you know you are going to be making 45k? Seems kinda high for just a PT assistant, maybe the actual PT starts out at 45k?
Why not just get a degree in PT and actually become a PT instead of the PT's assistant? You need a bachelors degree at minimum nowadays, now thats a good long term investment.
Click to expand...

thats what the starting salary is.

A PT would mean i would have to get my bachelors, get my masters, and by the time that happens im pretty sure they are gonnamake PT's have to get a PhD. Thats a lot of fuckin school

so why not short cut it, get a pta cert, then while im working as a pta i can work on my bachelors and eventually be a PT later on? that makes more sense to me

plus like jigga said PTA's are in high demand with the baby boomers
 
From what I'm told you cant get a bachelors in PT, its either associates or masters. Sounds retarded but thats what someone in the program told me.
 
the.gladiator1987 said:
Its like with silver, I know that in 10 - 15 years it will have gone up in value a LOT. 100% guaranteed. And 100% guaranteed it will never be worthless, unlike a stock or shares you buy that are just pieces of paper
Click to expand...

I just told you what silver has done historically over the last 30 years. As of now it's returned ~6.5%, but mostly it's sat between $4.00 and $6.00 outside of a spike around 1980, when it got up to almost $50.00. I'm sure people thought back then it was going to keep going up too. But it dropped back down to it's normal $5 price.

You are basing your "knowing" on pure speculation. Good luck bro, but historically speaking, silver is not a good investment. No, it won't be worthless, but when you are buying it at $33.00, and it falls back down to $5.00, it will have been a bad investment.

Stevesmi was right. The time to buy silver was 2-5 years ago. The time to sell silver is now (which is why all those businesses are advertising scare tactics to get people like you to buy it). Same with gold. Just look at the history of it and you will easily see this. Basic rule of investing: buy low, sell high. Most people do the opposite. Their investments start losing value, they sell in a panic, usually too late. Their investments start increasing in value, they start buying, again usually too late.

I think you are spreading yourself too thin. You don't have a pot to piss in, and you're talking about putting money here and there.

Like I told you in the k msg, put your extra money in your savings account, as an emergency fund. You want that money to be as liquid as possible. Your silver coins are liquid, sure...at face value. The bank will give you 10 cents for each silver dime you bring in. The grocery store, auto shop, landlord, all the same. Get $5,000 in the bank and leave it alone. Then take that $200 or whatever a month and invest that into whatever you want.
 
the.gladiator1987 said:
I didnt ask for advice anyway, I asked where I should put money instead of a savings account
Click to expand...

Right now, nowhere. When you have $5000 in savings, come back and ask again.
 
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