Do you Actually Understand Money?
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Yeah, I suppose you're right. There's always credit cards.
EDIT: because which of those retards are saving their 10% off the top?
100... And it's honestly because my mom taught me responsibility. I should thank her. I don't use many of the vehicles mentioned there though. A lot of it is for 9-5 ers
Seriously question (the internet is serious business after all). If you had a fixed income and could only afford disability insurance or dental insurance, were single with no spawn which would you go with?
Disability insurance makes more sense to me if it the question was framed as married with kids instead of single with none, you're costs are going to be a lot higher. The question seemed too subjective in my opinion.
When I was younger I chose short-term. Never needed it, so in that sense maybe it was a waste. I wished I had dental, but was fortunate to not have an injury/illness keeping me from work. A sore tooth, well, that's what ibuprofin is for. If I had had an injury keeping me from work when I was young and single (and too retarded to heed my dad's advice to save 10%), I would have blown up credit cards.
All that said, I'm not trying to assert my opinion over yours. They are both important, but most dental plans I looked at were too expensive for what they covered, and weren't taken out of the check off the top like the S-TD making it easier for a younger, more ignorant me to pay for it. Also not working for three - six months (like one of my coworkers who got into an accident) would have put me further back in the hole than paying $900 for a root canal. I'm guessing that's why the quiz favors the disability insurance.
90%. This question / answer is debatable:
Edit: Looks like FHA's first time buyer program might be 96.5% now. I got 95% multiple times without blinking an eye not through HUD so I'm guessing getting higher 100% is doable.. With cash and credit available though.
Umm ok? Considering you can get a 100% loan fixed through HUD.. not really sure how adjustable can be higher?
Edit: Looks like FHA's first time buyer program might be 96.5% now. I got 95% multiple times without blinking an eye not through HUD so I'm guessing getting higher 100% is doable.. With cash and credit available though.
Same here, just discussing as opposed to the usual arguments STS threads tend to devolve into :drinkup:
Income caps on HUD could prevent you from financing what you might otherwise be eligible for with your normal income + ARM
True. But then you go get a conventional fixed rate 80% mortgage at like 4% from anyone and then go to your local bank and get a 15%+ second. They should offer a fixed one in the low single digits. Of course, it helps to have stellar credit + plenty of cash assets + a good house in a solid neighborhood.
Basic shit, kind of amazes me how most people don't know much about anything... lol
Compare your score to the average for people in your age group in a recent nationwide survey:
Age:
25-29: 53%
30-34: 61%
35-39: 63%
40-44: 64%
45-49: 64%
50-54: 62%
55-59: 61%
60-64: 61%
65-69: 57%
70-74: 50%
75-79: 41%
80-84: 33%
85-89: 27%
90+: 13%
You scored 100%!
Compare your score to the average for people in your age group in a recent nationwide survey:
Age:
25-29: 53%
30-34: 61%
35-39: 63%
40-44: 64%
45-49: 64%
50-54: 62%
55-59: 61%
60-64: 61%
65-69: 57%
70-74: 50%
75-79: 41%
80-84: 33%
85-89: 27%
90+: 13%
You scored 100%!
i got an 80% although i think i should have got a 90% b/c this answer is bullshit
Q.7 The main advantage of a 401(k) plan is that it:
Provides a high rate of return with little risk
✓
Allows you to shelter retirement savings from taxation
X Provides a well-diversified mix of investment assets
it doesn't shelter you from fucking taxation. once you retire that shit is taxed out the ass
Q.7 The main advantage of a 401(k) plan is that it:
Provides a high rate of return with little risk
✓
Allows you to shelter retirement savings from taxation
X Provides a well-diversified mix of investment assets
it doesn't shelter you from fucking taxation. once you retire that shit is taxed out the ass
