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I'm in my early 30's and after 11 years at my previous job will be starting my new job no Monday! I had a great run. I have 2.5 years left to go on my mortgage. A biggy size 401K. An OK size Roth IRA and a discretionary investing account too. I'm wondering what to do with my 401K. Is...

Hello, I decided to take the free $76 from ING/Sharebuilder today and open an extra account there. The plus is that unless a regular Scottrade account you have the option to reinvest dividends instead of them paying out as cash into your account. They have a few families of NTF (no trading...

Earlier this morning I meant to click into CAT and accidentally selected CT. I don't know how to do a proper stock analysis but after skimming the Yahoo finance : CAPITAL TRUST SBI Share Price Chart | CT - Yahoo! Finance I generally don't like companies with negative earnings. :frown: The 1...

Hello, I generally don't have too hard of a time with my taxes but I went bonkers last September/October and generated a lot of trades while trying to day trade myself some extra bucks with mostly short sells while the market was falling. Are there any shortcuts to reporting results of many...

Hello, My portfolio has turned very conservative over the last year. This is mostly due to me removing expenses from it for home improvements and turning what was left into funds/indexes, not any kind of fear of the recent markets. I understand patience and long term growth and am good about...

I am mostly in funds and do not have many stocks. I recently purchased a little PFE because I am not exposed to the industry and like the dividend. I suppose I could have gone with JNJ or something similar too. Anyway, any glaring reason not to pick this as an anchor "safe" dividend stock...

Hello, Money is a little tight right now. I'm easy to please, but need to get out more. I do a lot of hiking, camping, and geocaching around New York State. I'd love to find some inexpensive (yeah, read: cheap) vacation destinations that will provide me with a view and such without putting...

Hello, I'm 30 years from when I can touch my 401K. Is there any reason not to have all of it in the lowest fee option the S&P500 equivalent if I can balance my overall portfolio with more gloabl like options in other vehicles such as my Roth IRA? -Raymond

Hello, This is likely the wrong terminology, but is there an index of indexes? The thought occurred to me that yes, I've built up a nice core of S&P500 equivalents, but what if the US Market tanks? Almost every day I'll mutter something about the United States not being #1 for long if it...

Hello, I wasn't sure where to put this so I put it in the forum that most applies to me, a young dreamer. :) What is the best way to save money for children under the age of 18? The college 531 or whatever plans are probably not a good idea since there is no guarantee they are going to...

Hello, I'm 31, my retirement accounts are in good shape, but my near term savings have recently been spent on various home improvement projects including new windows last year and a $10,000+ vinyl siding project that was completed this morning. I nailed the last GOOG high selling at $590...

Hello, What is the best thing to have in a taxable account? Load up on the SPY? Is there an account that will automatically reinvest dividends? Scottrade does not seem to allow that in the taxable accounts. By taxable I mean it's not an IRA account, just a regular account. Should I be...

Hello, Can anyone recommend some good books to read? I'm not looking for personal finance tips other dry stock market trading topics. I just want something enjoyable to read that somehow relates to money. ;D -Raymond

Ever want to go back and teach yourself a couple financial lessons? You can't go back, but you can try to let a few other people learn from your mistakes. Here are some of mine from biggest to smallest financial impact (I think) Mistake #1 - I started investing in the early 2000's. I heard...

Practically speaking, if you have no major debts, own your home, and only need to be paying your insurance, food, a nice vacation or two per year (no more than $3000/yr), and maybe even working part time at something you like, how much of a nest egg do you need to safely retire? I'm 31 and have...

Hello, How do I figure out what is best in regards to my Ford F-150? I own it, but don't want to rick trying to sell it if gas prices get up to the $7-8 dollar range or higher. It only gets 14/18 mpg. I think I can get into something like a Hyundai Elantra or Ford Focus and still put about...

Hello, I used to have over 20 picks but have far less now due to taking profits and home improvement expenses this past year. Attached are my 7 individual stock holdings (2 are ETF's). Any reason that you think I should not be holding on to any of these companies? Thanks! -Raymond

Hello, My company provides a 401K plan through Merrill Lynch. I contribute 12% to my 401K, which is double the requirement to get the company match. They do .50 on the $1 up to the first 6% of your paycheck. For those wondering, yes, I've also already made the full 2008 contribution to my...

Hello, I'm only 31 (already 31?) and have been bit too many times by individual stocks tanking. Many of these picks have come from investment services such as fool.com. Overall they do OK, but I'm so annoyed that I have started moving more toward funds instead of individual stock picks. For...

Hello, I'm Ray and I'm from New York. A member on one of my forums let me know about this site last night. I invest regularly and enjoy reading and posting about personal finance and related topics. Hopefully this board will be a good match for me. -Raymond