Patton

But I can start with $10k or $100k right? Wouldn't that be nice. Lol Let me ask this, at the best in 30years it will only be worth 1.25-1.5 times what a traditional savings account would be worth. So if I had a 10k and never added to it in 30 years it would only have a slight advantage over anticipated inflation. The reason everyone's has just set idle for the last 5years.

I actually knew it was $1000 my fingers kept saying $100. So can I get started with $1000? Are we only making about an extra 1-2% over our 401k after the amount our employees matches? On the $5000/2012 and $5500/2013, that is only desposits on open accounts though right?

It's not what I'm smoking it is what the kid driving daddy's car killing his friend and a few others was smoking. I drive buy the family's house and accident scene almost every week. If their son was alive today his parents would hug him and then kill him again for that stupid crap he pulled.

If you want out of Orlando, then I wouldn't buy a house there. Someone will come along and say you should though. I want out of my town but I own a house here. Get my point? Serious question, Did the lady you speak to say that you had enough to do a Roth IRA? I heard to get one started I needed a minimum of 10k(everybody says $100 but try to get one to help you) Honestly, just a savings account until you get 10k for a house may be just what you should do. The goal should be to get a house soon and to get it payed down soon. Pay it off completely if you wish. I would still do my 401k to what my employer matches. After my home was financed, sometime before paying it off I would start a Roth IRA, Money Market IRA, or what have you.

Still though, I would get into a home first, unless you think you will be moving a lot. If I had 10k I would go here https://www.merrilledge.com/m/pages/mobile/splash.aspx. It is not going there but it is a BOA Money Market Roth IRA The way it was explained to me 10K and then 5k a year for 30yrs could make about $750k https://www.bankofamerica.com/deposits/iras/fdic-insured-iras.go

As far as deductions you will get no more than 1/3rd of your total interest back.

Two things; Ramsey not Me says to invest in real estate. It never seemed worth it to me. Rental property Works for some but is a nightmare for some. It was for my family. All this investments are normally great until experts tell people to do it, that's when it is not as great as it once was.

Everyone is reading me wrong. The remaining 10% of my mortgage will be the last loan I ever pay off early. I think my rate is 3.35% I itemize enough to were it benefits me to pay some interest. When I get it down enough I will do a Roth IRA but I will not sacrifice investing to pay off the mortgage early. Like I said, you generally will not loose your home in a lawsuit if you owe any money on it. This is the number one reason to owe a little money. My MIL is a living example of why people sue. Give them nothing to sue for and they will be less likely to sue. It has nothing to do with investing but everything to with lawsuits. Have as many of your bills as automatic allotments as possible, it is less to come out when you get sued. I can take you and introduce you to a family that had all their savings invested in a home $1 million. Their 16 year old son killed several in a car wreck and lost their home. They should have kept a small mortgage and had their money invested.

^Having a small mortgage of <$300 a month is more of a safety net and tax shelter and not an investment. It is also a convenience if an emergency happened where you could draw money from another source if not seek a refinance. Something else, if I paid off my mortgage tomorrow I would have to pay money to the bank for upkeep of my accounts. Even Ramsey will say to occasionally take out a loan and quickly pay it off so as to never become a ghost. You never know when you will need credit. You may have that brilliant buisness idea and know you will become reach in just 5 years if you cant borrow the money you will have to bring in a partner.

For someone under 40, is prepaying for funeral services and plots as great of an investment as one may think it is? I am a veteran so it is a lot less of a concern for me. However, for others it seems like if you will be passing savings to your family a prepaid funeral service is a no brainer,great investment payed for at yesterday's prices.

I am really glad no one has asked me what to invest in for tomorrow. The truth is I haven't a clue. Ammo or primers? Honestly, it's likely you could see a huge return in investment. Some of the less common PM's like pewter, lead, platinum, or even stainless steel will probably far exceed most any financial investment. Silver will grow a little more but gold is about topped out for a while. I do foresee inflation continuing at a consistent annual 2%. I still would stay clear of land unless it is really a bargain. My family has land for sale that has been in the family for +100yrs, it is cheap and not selling. Location-Location-Location, immaterial because it is dead square in the middle of one of the fastest growing zip codes in TN.

If I am not mistakn, Dave Ramsey has said pretty much to not get a home loan or if you do pay it off immediately. He has also said to invest money in real estate. If you would have invested one million dollars in real estate 5 years ago I believe you would have been lucky to escape tommorow by only losing 10% of your investment. I believe the new trend of investments will be more of the illiquid asset types. All this assuming the dollar continues to decrease. It makes sense, items not normally too transferable to money will be more transferable to trades.

Yes, <5% intrest rate! If you are paying anymore right now consult a trusted professional. Here are my points: A mortgage is one of the smartest loans you can get. Take a 4% rate, over 1/3 of that is tax deductible. If you have an emergency and need to borrow money beyond your savings, it is easier to refinance when you already have a small loan. Unless you are old enough for a reverse mortgage(great thing btw), it is a huge hassle to refinance after you own your home. I have known people that had to have 20-30k quickly for whatever reasons. Bail, medical, other property, daughters wedding, etc. Refinancing your home is a lot smarter than cashing out a 401k or a Roth savings. The government for forfeiture or civil will not take a home you owe money on, except in very very unusual sircumstances. A mortgage will be the last loan I pay off except for a <1% car loan.

I don't have enough, no one ever does. I have about depleted all ammo funds for the rest of the year though so I guess I am good to go.LOL I scored three boxes last week. I am thinking about stoping my 40s&w reloading and switch to 9mm anyway.

I waited in line for an hour to get 9mm ammo last week. It was only the second time in the last 3 months I have seen some.

I am going to give more of my opinion, 9/40/357/45 I truthfully don't care. To me I care more about the platform itself, Give me a Glock in Compact size, I like the thinner 9/40/357. I don't care for the fat 45/10'ss I tend to like a 40 over a 9 for these reasons: 1.If all I can find or use is a FMJ, in a 40 it will out perform any 9mmFMJ especially since very few FMJ are +P 2. The availability of 40 is greater 3. I am seeing 40 ammo as cheap or sometimes cheaper than 9 4. Almost every 40 auto can be made into a 9with as little as a barrel change. 5. In a real emergency 9 or 357sig can be fired out of a 40(please don't try just take my word for it) EMERGENCY only. 6. My attorney on retainer would like to use the argument, "my client chooses the same caliber to protect himself as the police use to protect you" I never tell anyone they are stupid for choosing a 9 over a 40/45/357. Carry what you are comfortable with.

You will be hurting bad tomorrow. Go find a hot tube to sit in and go ahead and tell work that you will be sick tomorrow.

That is sound advice and something our government should live by. Times have changed and his investment advice is 10 or 20 years too late in same cases. Like Mutual Funds..Real Estate...I tend to think that a small mortgage is something you should always have. I try to have very little in my name and always owe a little money on my assets. My MIL listened to me when I said not to pay off the last 10k of her mortgage until she was retired. She would have lost her home in a lawsuit if she had not listened. Being that she showed debt the injured party and their insurance dropped the claim. Also when I sold cars, before Ramsey started his tours, I would have people come in and pay more for a used car than a new because the experts say... If you went against Dave's advice you could have doubled your money in 3years. The highest gold got per oz was about $1900. As far as investing. Just google "Ramsey bad advice". You will be surprised. In light of current events, we must not forget the gurus of smoke and mirrors who betrayed their sheeple followers. "Gold is a dumb idea." January 23, 2008 - Dave Ramsey BASHES Peter Schiff and GOLD! Gold closes @ $890 per ounce. Dow closed @ 12,270. **************************** August 4, 2011 - Gold closes @ 1648.80 - up 85% since "dumb idea" quote. Dow closes @ 11,383 - down 8% since "dumb idea" quote. Dave Ramsey still has a job? UNBELIEVABLE !!(http://www.dailypaul.com/172807/the-curse-of-dave-ramseys-bad-advice)

Over penetration from a handgun in most any common caliber isn't too much of a concern. You have a greater chance of hitting the lottery twice than having to actually use your weapon and run the risk of over penetration. Think how much velocity is lost after 16" of flesh, bone, organs and clothing. If you miss than you miss, regardless of caliber.

Dave's target audience wil buy anything and most of them already have. That's the reason they need Dave.

Well Dave Ramsey has a lot more wealth than me but he says a lot of stuff i would not agree with.

Here we go!

I don't have a clue where Locals is, care to share?

No, the alarm company installs a specific cellular device that only calls the alarm company. It has nothing to do with a cell phone.

The arm company knows when a line has been cut. I have been dispatched to a lot of those just to find a tree has fallen across the lines.