Recent content by daverph

I guess I was thinking more along the lines of should we keep X amount extra in checking or anything along those lines. My wife is stuck on using debit as she is afraid we will not have the money to pay when the bill comes. I think it’s more psychological than anything. Hope this makes sense.

I am wondering if anyone has any tips for converting from using a mix of debit card and credit to all credit cards for spending. Right now most spending goes on debit with gas, ordering food, ordering online going on credit. Would like to consolidate all on credit for the various often...

Also, another question. I currently have cash going to Schwab High Yield checking which pays only 0.10 percent, however has checking and ATM/debit which is nice and convenient. I am wondering which would be the best for emergency/house savings. Thanks, Dave

I was wondering if anyone knew if it is possible to put money in a Capitol One 360 account (or any account of this nature) via bill pay service, ie Wells Fargo checking account. This would be from the linked account however it takes a few days for the money to come if you initiate from the...

Looking for advice for someone choosing between the two companies for rollover IRA and other accounts for individual stocks only.

How do you feel about REITS now or in the near future. More specifically, my 401k has a REIT fund, INvescoAIM Real Estate. Currently I have all money in 500 index. What do you think about putting money in this fund at this point? Thanks, Dave

For some one who is only going to trade stocks infrequently with large purchases, which of the two would be better? I have used smaller discount firms and was not pleased. I like the other services these two offer but which would be better for my needs. At the moment I really can't see a...

Job loss not an issue I am a pharmacist in management so I am very stable in my job. In fact my boss heard a rumor that I was looking to leave and called me begging me to stay saying how irreplaceable I was. We will see how much so at raise time, haha. Even if I did lose my job I am well...

Must still buy a house. We also want to buy a house in the next year or two as well so I want to get some good emergency funds built up and the debt paid off or at least down significantly.

Match Match is 50% up to 6% in cash right along with my contribution, vested over 5 years. I don' t eat ramen or mac and cheese but we live pretty cheap and we try to avoid spending but there is only so much you can do, we get bored and lazy sometimes. I should be getting a big raise at the...

Answers to Webzter We have no emergency fund saved up that was one reason I am reluctant to put money in my 401k. Her working will not affect us that much, she will not make much but it will be a significant help. My job is extremely stable. Thanks for replys. I want to save in the 401k but...

I need advice on what to do. My wife has been at home with our son for the past year and a half. In that time we have lived on my income of $98,800. Due to student loans for both of us and some bad debt this has just about let us keep up, ie we have not added new debt but we have not been...

I have heard good things about them. In the past I have used TD Waterhouse, now TD Ameritrade and they were ok. I had a 401k with Schwab years ago and loved their website and services. They seemed to have lowered and eliminated a lot of there fees. I may use them when I rollover my 401k. I was...

Brewer, Who do you use for a brokerage account that offers that service?

Thanks Brewer, I will pick up a copy of that book.