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Thread: Money management and investment strategy: Where to begin???

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    God/dess colleen's Avatar
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    Default Money management and investment strategy: Where to begin???

    I have decided I will get 3, maybe 4 more years out of dancing. I never exactly WANTED to do it forever, but now that my time is running out I see what the job market is like out there. I know it is going to be impossible to reach my goals if I have to take a "day job" while earning a degree or trying to start another business.

    However, I am totally confused about investing, saving, and so on. I have read and heard SO much on the subject, that I am completely overloaded.

    So . . . . where do I begin?

    I know I need to pay off all my credit cards and other debts first, but do I try to fill an emergency savings account at the same time??

    How should I save for retirement?? (I actaully would like to open a store as a retirement project, but I want it to be more for supplimental income, not making-ends-meet income) Is it still true that I should put away 10% of my income for retirement? Should I also be doing this while paying off debt and making an emergency savings account, or should I concentrate on one thing at a time?

    Do I need to hire an accountant? If so, how would it benefit me?

    I plan to stay in the Adult entertainment business for a number of years, doing phone sex, MILF modeling, adult webmastering, etc. (What can I say? I love the business and find it fascinating!) I have gotten the idea that forming an LLC is a good idea, but I am not sure exactly what the benefits of this would be.

    Thanks, everybody. You guys always have great advice.


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    Featured Member Destiny's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    coleen:

    I'm not near smart enough to answer your questions, but since I"m planning on "retiring" in 3 or 4 years, I thought I would try to encourage you.

    I think you are supposed to have anywhere from 3 to 6 month's earnings in a rainy day fund. If I were you, I'd put at least $1,000 in a fund for emergencies. Instead of a savings account at a bank, you can get a money market account and it will pay higher interest than a bank. They can send you some checks you can use for emergencies as well. Not having the money so accessible helps too, it makes me less likely to spend it! The reason I say to go ahead and put some money aside is this, if something happens and a big expense come up, you don't want to put even more on those credit cards!

    Get to work paying off those credit cards! If you add it up, the interest is killing you. Besides that, you cannot imagine the feeling you get when you don't owe anyone anthing!

    In addition to saving for long-term stuff like retirement, I like to save for something more short-term, like a vacation. Every week I put some money aside for that. Then once a year, I take my son and we join my sister on a great vacation, paid for with cash! Having something more short-term helps motivate me. Its hard to work, work, work, when all your goals are years away.

    As far as retirement, I know others will be able to post on that and it will be far more helpful than anything I could add.

    Good luck!
    Dancing is wonderful training for girls, it's the first way you learn to guess what a man is going to do before he does it. ~Christopher Morley, Kitty Foyle

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    God/dess Emily's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    this page has loads of good information, including stuff from Suze Orman, who I love

    http://beginnersinvest.about.com/od/...gforthefuture/

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    Default Re: Money management and investment strategy: Where to begin???

    yup, the basics boil down to ...

    #1 - establish an 'emergency fund' to cover probable short term financial surprises without having to disrupt your budget/investmetns, typically $3-4-5,000 (and even more typically in cash, money market, or bank savings account) which is 'immediately' accessible to you if/when you need it.

    #2 - start paying off your highest interest debts - typically credit cards, then auto loans. Student loans and mortgages are a special category requiring special attention since what you gain in direct interest savings you may lose from a different pocket (i.e. higher income taxes).

    #3 - start building a 'conservative' investment base - typically $20k-$30k (or 3-6 months worth of after tax income) in CD's, bonds or diversified mutual funds - investments which are not immediately accessible, but which provide a higher rate of return with little or no risk of loss.

    #4 - use your 'conservative' investment base as leverage to purchase a tax favored house or condo. Not only will this reduce your income taxes but in most areas it will also save you money vs renting and will also garner you capital gains as the value of your property appreciates.

    #5 - when you have done all of the above, THEN is the time to consider establishing a retirement account. Keep in mind that contributing to a retirement account is essentially a 'one way trip'. In other words, if you are forced to make an early withdrawl from a retirement account it will cost you WAY more in penalties than if you had simply shoved the money under your mattress in the first place

    #6 - if you've completed all of the above and are still in 'the black', it's time to consider 'speculative' invesments i.e. higher risk higher return stocks, commodities etc.

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    Default Re: Money management and investment strategy: Where to begin???

    Personally this is my strategy:

    * Reduce and Eliminate BAD debt and tax
    * Protect current and future assets
    * Have $10,000 in a savings account (this is the "rainy day" fund)
    * Invest: Property, Off-shore, Shares, Businesses

    Only when I am near retirement age would I set up and establish a Superannuation fund (plan for retirement).... basically.. in the last 5 or so years before I can "retire" (access my Superannuation). Before that, do not worry about it... it is "invisible money".

    I do not know how Financial Advisors work in America, however here in Australia most will allow their first consultation with you for free (or a very reduced fee)... it is worth researching to find one that is competent and you feel will work best with/for you. They can help you map out a plan.

    As for accountants, I have one in re: tax. When I start investing in property, I will research to find a competant accountant who knows how the tax system works in re: property investments (and so forth).


    enter: E3167322D9 for your 10% discount

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    Veteran Member leebay88's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    I was a investment advisor at Merrill Lynch and Deutche Bank for 7 years before I ventured into a different industry. I wasn't really into the business in helping people plan for retirement, more of wealth preservation strategies.

    I always adviced friends and family (not the highest income or wealthy people) to have at a min of 3 months living expenses in the savings account (6 months is a good place to be), no credit card debt, and to max out their 401(k) and contribute to an IRA. I used to always say figure out what you can save and open a separate account for it. In a few months you won't miss having that cash laying around.

    As far as investing in stocks and bonds. Stay away from any individual stocks and buy only mutual funds or index stocks. How much should you put into bonds? Well without knowing alot about you it is hard to say. General rule of thumb to start out with is use your age. So if you are 25 years old you could put 25% of your investments into bonds.

    If you have credit card debt I would just focus on getting rid of that first.

    I could go on about this forever but now it's bring nightmares back of my old wallstreet days.

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    Banned Melonie's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    Thanks leebay. The only area where I would tend to disagree is in the area of IRA's. Several new developments would appear to apply ...

    As private contractors, dancers will very likely not have a 401k plan available ... and certainly not one which includes matching employer contributions (i.e. free money). Without matching contributions the financial advantages of a conventional IRA/401k retirement plan are totally contingent on an assumption that laws/rules/penalties which currently apply will not be changed between now and retirement age. Given the demographic realities, I have trouble accepting that future changes will not take place which could profoundly affect the financial wisdom of large IRA investments. For example, if a currently discussed 'means test' eventually becomes law, then every dollar an individual put into their IRA would 'cost' them another dollar in lost future gov't benefit checks.

    For this reason, and also because of possible future tax law changes (remember traditional IRA's are tax deferred not tax exempt), my own retirement money is directed towards a Roth IRA. The Roth IRA contributions are not tax deferred, but interest earnings are essentially tax exempt. A Roth IRA also does not carry penalties for early withdrawl if/when future laws are changed, and it does not count as additional taxable income when money is eventually withdrawn in the future (which could reduce eligibility for gov't benefit checks if a 'means test' were applied in the future).

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    Default Re: Money management and investment strategy: Where to begin???

    This is all good advice and I have in my life followed almost all of the advice listed here . And it has worked out good but it does take a long time to do or rather to build up your nest egg - mine has taken 17yrs - its spread out or diversified very well . I got lucky on a few stocks started out at 8. per share are now 78. per share that helped . Me and the wife have bought a lot of nice things over the years and yes for a time maybe a year or so we lived beyond our means our own greed got the best of us . We didnt have to claim bankrupt or anything like that it was just a strain we didnt like ( started many arguments grr ) One thing not mentioned which I think is important ,change your spending lifestyle - dont go out to dinner as much cut back on unreasonable purchases - make a vehicle last longer - you dont need one every couple of years . And I must confess I clip coupons - its free money people - I also wait for a sale to stock up on a grocery item its easy to do and will really save a bundle of cash down the road . It may not work for all but it did for me .

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    Default Re: Money management and investment strategy: Where to begin???

    This is all good advice. Here's what I'm doing/did:

    Worked 2 -3 jobs to pay off credit card debt. Bought a house. My mortgage is the same as my rent and there's a tax advantage a few thousand a year. I have $500 in savings, which I'm trying to build to 3 months gross salary by doing part time work and dancing on my vacations (I have a day job). I'm paying off school loan interest early, as it accrues.

    I needed a new car, so I bought a 2002 german luxury car rather than a new one. It was leased by one owner and had low mileage and a great warranty. I pay less than $400/mo for a $28K car (in part because of my trade in). True, I could be driving a honda, but this was my reward to myself for paying off debt and working so much.

    This year, I plan to divert some savings to my house. In order to rent or resell, there are some things that need to be done. These things will cause the house to appreciate, which will get me out of paying PMI early. Likewise I do other things to increase my equity, like landscaping/gardening, painting, etc.

    I'm about 2 years away from doing the 401k or other investments. The house and the safety net are the big items at the moment. I am also working to live within my means as my salary and part time work increase. For instance, I started shopping at Sam's and Target a few times a month, limit my going out to concentrate on my MBA program, am more frugal with clothes, drink less, plan to stay in my 1300 SF home rather than buying a bigger one when I don't need it, will keep my car for 5 years, fired my maid, etc.

    I track ALL my expenditures and am always looking for opportunities (buying pet medication in larger quantities, getting rid of HBO and expensive channels I don't watch, negotiated a student rate on my newspaper subscription, etc.)

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    Default Re: Money management and investment strategy: Where to begin???

    I think you understand ! And I must ask because it is important - how old or young are you ?

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    God/dess Emily's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    401(k) - isn't always an option....but if you have a job that allows it and you are not doing it, you really should reconsider doing it now because you'll often get employer match, which is essentially free money.

    buying a house - so glad I did. I don't necessarily agree that buying a small house is better than a large house. Small houses/condos in the city cost way more than my 2500 sq ft single family in the 'burbs. Also, after having sold a small (1200 sq ft) house, I realized that I will never do it again. It's a hard resale. it's also an investment. There is nothing wrong with putting more money into an investment. Plus, when you leave dancing, you will love having a beautiful house to show for it. I have to agree with working to get 20% equity as soon as possible. Paying PMI is such a waste of money.

    the emergency fund - even more important in our business since there's no sick pay. Same with health insurance. You don't want to lose everything because of medical bills. I've opted against disability insurance because it's so freaking expensive for strippers. They categorize us as high risk and we're in the same category as guys who build sckyscrapers. This is where I believe "having something to fall back on" is important.

    As for being cheap....ha! I'm all about it. I'll splurge here and there, but I think even my splurges are for the greater good. I spend about $100/week on personal training and go on vacation every three months....like I go somewhere that requires a travel agent to plan, but I always scope out "deals". I also work 6-7 nights a week and am almost always feeling positive and energetic at work, which is obviously very important in our industry.

    So where my money goes...IRA first. I love these. Then my house. That's it. I think if you have equity in your house, you don't need money in the bank.... besides the "emergency fund".

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    Senior Member two-timer's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    It's very important to listen to this guy: http://www.bobbrinker.com/
    He is syndicated in plenty of radio stations across the country. He is very influential. I believe he triggered the bear market in 2000, and he most certainly triggered the bull market in March 2003. His radio program is on Saturdays and Sundays between 3pm to 6pm (central). If you can't listen at those times, set your recorder to record him, then listen at your leisure

    For low cost mutual funds, there are several places you can go:
    http://www.vanguard.com/
    http://www.scudder.com/
    http://www.charlesschwab.com/
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    God/dess colleen's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    Thanks so much for all the advice, everybody. It's good to see that I am not totally off target, and I have been doing some things right.

    I have a small 401(k) left over from wehn I worked in a hospital. Hubby is also doing the 401(k) from his work. We already have a house that we don't like and are fixing to sell. We are considering buying a trailer with part of the house procedes and investing the rest, so that in a few years we can buy a house we really want.

    I am doing phone sex to make money to pay off my credit cards, old parking tickets, accumulated bills, etc. I am also looking to make some videos to pick up some extra cash.

    I discussed with hubby the possibility of his getting a 2nd job, but we decided it is more important for him to watch our son, both for the standpoint of not paying a sitter and also b/c we beliefe it is best for him to be with a family member, rather than a sitter. Other family members are too far away to be much help sitting. (We are condidering buying that trailer near our families, so help may be on the way!) My earning potential is higher, anyway. Having him work while I stay home would seriously be a waste of money.

    Hubby is really really bent on the idea of getting started with some CD's, so he is going to invest some of our tax return in one. (much better than him "investing" it in a collectible something or a new piece of model train equipment!)

    I am also looking for another place to work or at least come clubs to "travel" to increase my income.


    Every night when I get home, I put $10 and all my loose change in the "vacation jar." Hunting for loose change is becoming a family game, and even my son is "getting" the idea that coins are money that we save for vaction. Vacation seems frivolous, but the thought of it keeps me motivated.

    I also pull 10% of what I make every night and at the end of the week put it in a savings account. I have been doing this b/c I know you are supposed to save 10% of your earnings, but I am not sure what for. I guess now I will use it for my emergency fund and to pay off those damn bills!


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    When you perform... you are out of yourself--larger and more potent, more beautiful. You are for minutes heroic. This is power. This is glory on earth. And it is yours, nightly.

    --Agnes De Mille

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    Veteran Member leebay88's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    Quote Originally Posted by Melonie

    As private contractors, dancers will very likely not have a 401k plan available ... and certainly not one which includes matching employer contributions (i.e. free money). .
    Correct your industry is a lot different than the corporate world and I also never consulted to anybody who dealt mainly in a CASH. I also never followed any of the benfits/rules of Roth IRA's because it just wan't an area for most my clients.

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    Veteran Member leebay88's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    Credit card debt is the worst place to be. If you own a house and have some equity built up then take a home equity loan to pay off your creidt card dept. This way you will at least be ablt to write off any interest.

    I am not a dancer but my finacial situation is very volitile. I keep one years spending in cash because I have a few business i am working on and most likely will not see a dime for a while and I also run the risk of them flopping.

    There is a lot of risk built into both of our carrers. Any savings you have should be conservative to help balance your overall financial situation.

    Luxury cars is def not the right thing to do but I did the same thing so I understand where you are coming from. Now that I live in NYC i don't really need a car so i bought a POS (Piece of Shit)

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    Default Re: Money management and investment strategy: Where to begin???

    I'm 27.

    The other money saver I keep meaning to do and haven't gotten around to is to set up bi-weekly or weekly mortgage payments. It's supposed to save you $50k+ in interest(depending on the mortgage amount) over the life of the mortgage. If you have an adequate bank balance to get you through the weekly income fluctuations, you should do this.

    I agree with the comment about larger houses being easier to sell (because families are buying). Mine is 1300 SF, but is the smallest house in a neighborhood of huge houses and is in a desireable in-town location. It would make a great rental property if I outgrow it, but would be easy to sell in the neighborhood otherwise. I think under those conditions, a smaller house can be a great investment because of rental potential and lower utilities/mortgage obligations. But it really just depends on your area.

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    Veteran Member leebay88's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    Quote Originally Posted by Vanessa777

    I agree with the comment about larger houses being easier to sell (because families are buying). Mine is 1300 SF, but is the smallest house in a neighborhood of huge houses and is in a desireable in-town location. It would make a great rental property if I outgrow it, but would be easy to sell in the neighborhood otherwise. I think under those conditions, a smaller house can be a great investment because of rental potential and lower utilities/mortgage obligations. But it really just depends on your area.
    If you can go large than more power to you. In my area that is no easy. My first house was a nice small 2 bedroom in an A+ zip code. I moved out and rented it out. It covers the mortgage and than some. It's an old house and a few times a year I have to fix stuff and now i see some big projects coming up (new siding). Just be careful on who you rent to. Do a credit check. Also in NJ if a kid lives in the house it is impossible to evict somebody. Just be aware if you want to get somebody out of your place it is going to be hard.

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    Banned Melonie's Avatar
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    Default Re: Money management and investment strategy: Where to begin???

    agreed that being an 'active' landlord can be an extremely risky proposition these days thanks to state laws which go to (IMHO) extreme lengths to protect the rights of tenants and the well-being of their children. Once you have allowed a tenant to occupy your property, you can indeed find yourself facing months and months of unpaid rent, and thousands of dollars worth of legal bills to get them evicted so that you can rent your property to someone else - not to mention thousands more dollars worth of damage repair.

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    Default Re: Money management and investment strategy: Where to begin???

    Quote Originally Posted by Vanessa777
    I'm 27.

    The other money saver I keep meaning to do and haven't gotten around to is to set up bi-weekly or weekly mortgage payments. It's supposed to save you $50k+ in interest(depending on the mortgage amount) over the life of the mortgage. .
    How does this work?


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    --Agnes De Mille

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    Default Re: Money management and investment strategy: Where to begin???

    How does this work?
    the same way that compound interest by the day, week or month earns you more money than interest compounded annually on a savings account, if your mortgage is set up for weekly or bi-weekly payments the amount of interest charged is less. Basically, with a standard monthly mortgage interest charged on the same outstanding loan balance every day of the month. With a weekly mortgage, the first week's interest is the same as with a standard monthly mortgage. However, the second week's interest is calculated on a smaller outstanding balance due to the mortgage payment paid the first week. Third week is smaller still, and fourth week is even smaller than that.

    The drawback of course is that the borrower has NO slack in regard to payment date. One day late on a weekly payment and penalties plus higher interest for the next week kick in.

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    Default Re: Money management and investment strategy: Where to begin???

    Your balance is lowered faster, which reduces the interest on it. Basically you go to your bank and ask. Some require electronic automatic debits to do this (I pay online anyway). You have to be sure to go to your lender and work it out instead of just paying more frequently, or your early payment may not "count" or may be applied as extra and you'll still have the normal mortgage payment due a week or two later.

    I hope that makes sense. Basically, just call and ask if you can reduce your interest through biweekly or weekly debits from your checking account in lieu of your monthly mortgage payment. My estimated 30 year savings were $49K on a $145K loan.

    As Melonie indicated, you need to have a safety net to do this if your income is variable. Still, I think it's very worthwhile.

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    Default Re: Money management and investment strategy: Where to begin???

    From my perspective it is better to just pay extra each month- $50, $100, $150 etc. (You decide) The advantage to doing it yourself without a formal commitment is that you are NOT commited contracturally to keep it up. If a disaster strikes, you are not stuck doing something which no longer makes sense because you have to borrow at a more expensive price. Also if the Fed funds rate (3% less than the "prime rate") goes above your mortgage rate it does not pay to pay in advance--put it in a money market fund. This is not likely to happen in the next 2 years, but who knows for absolute.

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    Default Re: Money management and investment strategy: Where to begin???

    Quote Originally Posted by montythegeek
    From my perspective it is better to just pay extra each month- $50, $100, $150 etc. (You decide) The advantage to doing it yourself without a formal commitment is that you are NOT commited contracturally to keep it up. If a disaster strikes, you are not stuck doing something which no longer makes sense because you have to borrow at a more expensive price. Also if the Fed funds rate (3% less than the "prime rate") goes above your mortgage rate it does not pay to pay in advance--put it in a money market fund. This is not likely to happen in the next 2 years, but who knows for absolute.
    I agree get your payment in an area you can be very comfortable with and when you can pay more you wont get penalized for paying the loan off early ( at least most campanies work this way ask )

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    Default Re: Money management and investment strategy: Where to begin???

    I like this thread. It's always nice to pool ideas.

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    Default Re: Money management and investment strategy: Where to begin???

    Quote Originally Posted by Vanessa777
    I like this thread. It's always nice to pool ideas.
    I get dibs on the shallow end, it goes with my personality.

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