OT New Random Thread Pt. 3

[Alexx]

I think I need to switch environment ASAP (ASAP = next fall, lol). I've always wanted to go to the US for like a half a year or something, but pretty much the only way to go is to study or be an au pair.

1. Is it too late to do a "study abroad" thing at a college/university when you're 23? I feel old. :(
2. I prefer to go to a city where a car is not needed. I'm thinking about Boston or Honolulu. Any advice?

If I remember correctly I had a 25 year old exchange student in one of my classes last year.

 

[Ashley]

You can either transfer your 401k to an IRA or roll it over to your new company's 401k. Anyone who is working and their company is offering a 401k program - CONTRIBUTE!! Even if it is just 2% - you won't even see the difference in your paycheck since the 401k deduction comes out before they tax your wages, and it adds up over the years, but do at least 5% if you can! If your company does any type of match, it can be a huge benefit.

Yes! I started as an intern with the federal government when I was 19. My boss there talked me into opening a TSP account (basically a 401K). By the time I was graduating, I had already saved a little for retirement. And with compounding interest, saving $100 now is so much better off in the long run than waiting 5 years to save $100. Even if you saved no other amount.

I've become obsessed with saving for retirement. I've had that 401K since I was 19 that I've rolled over into every new job I've gotten and tried to contribute the most I can, and I have a Roth IRA. Plus 401K contributions aren't taxed! If you're in the 25% tax bracket, for example, $100 into your retirement is only $75 you'd get in your pay check.

Anyway, @Eyes On The Prize, if you have any questions I know all about all of those accounts. 401K, 403b, Roth vs. Traditional IRA, etc.

Oh also, if you use reddit, Personal Finance is a good resource

I think I need to switch environment ASAP (ASAP = next fall, lol). I've always wanted to go to the US for like a half a year or something, but pretty much the only way to go is to study or be an au pair.

1. Is it too late to do a "study abroad" thing at a college/university when you're 23? I feel old. :(
2. I prefer to go to a city where a car is not needed. I'm thinking about Boston or Honolulu. Any advice?

Boston is great! If you live in the city you won't need a car, but it's expensive. And you'll be limiting yourself if you can only au pair in the city where you won't need a car. The city of Boston itself if small and the Boston area is a lot bigger, but public transportation itself isn't that great outside of Boston proper.

 

[Eyes On The Prize]

Yes! I started as an intern with the federal government when I was 19. My boss there talked me into opening a TSP account (basically a 401K). By the time I was graduating, I had already saved a little for retirement. And with compounding interest, saving $100 now is so much better off in the long run than waiting 5 years to save $100. Even if you saved no other amount.

I've become obsessed with saving for retirement. I've had that 401K since I was 19 that I've rolled over into every new job I've gotten and tried to contribute the most I can, and I have a Roth IRA. Plus 401K contributions aren't taxed! If you're in the 25% tax bracket, for example, $100 into your retirement is only $75 you'd get in your pay check.

Anyway, @Eyes On The Prize, if you have any questions I know all about all of those accounts. 401K, 403b, Roth vs. Traditional IRA, etc.



Boston is great! If you live in the city you won't need a car, but it's expensive. And you'll be limiting yourself if you can only au pair in the city where you won't need a car. The city of Boston itself if small and the Boston area is a lot bigger, but public transportation itself isn't that great outside of Boston proper.

Thanks! I'm definitely going to be like you where you get obsessed with your saving. I'm that way right now with my student loans and trying to pay them back early. It's like a weird game to me. I told my dad to get ready to have a talk about taxes and retirement when I come home for thanksgiving because I would like to know what I could be doing better.

 

[Alexx]

Has anyone upgraded their Mac to El Capitan? I'm seeing a ton of mixed reviews on it and I'm somewhat nervous to upgrade.

 

[UCFKnights07]

I think I need to switch environment ASAP (ASAP = next fall, lol). I've always wanted to go to the US for like a half a year or something, but pretty much the only way to go is to study or be an au pair.

1. Is it too late to do a "study abroad" thing at a college/university when you're 23? I feel old. :(
2. I prefer to go to a city where a car is not needed. I'm thinking about Boston or Honolulu. Any advice?

i loved visitng my sister in San Francisco, my boyfriend and I didnt have a car for two weeks while there. We either used public transportation, which there is a decent amount of or used Uber to get places, both were fairly easy and cheap in my opinion.

 

[cheerKT]

Got my Mockingjay tickets, yall.

UPDATE: IT WAS AWESOME

 

[NJ Coach]

UPDATE: IT WAS AWESOME

I can't go till Saturday, so feel free to share details!

 

[blyndreamalum]

UPDATE: IT WAS AWESOME

AGREE!


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[MissCongeniality]

I work for a bank


All I do is process investments all day into IRA's, joint wros accounts, utma/ugma, and college America 529 accts

I then hate my life because my kid doesn't have a million dollar trust fund and I don't even have an ira... I'm going to be poor for life. Lol


What kills me the most is when I see people with a Roth IRA, a traditional ira, an individual acct all with a lot of money and 5 kids with 350,000$ in there college America accounts each then instead I day dream on how successful that person must be to put away that much money.. And then my imagination runs wild with what these people possibly do for a living. I'm sure they are very busy and hardworking people.
And I'm super happy for them.


I wish I had an Ira and I wish I had an utma for my daughter. One day.
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Simple. They don't pay for cheer ;).

 

[wishfulthinking]

Adele's album... :cloud9::cloud9::cloud9:

 

[youbetterwork]

I'm not in the US, but I think a person is never too old to do something like that. I'm 27, and I'm still in University. I say do it if it's something you've always wanted to do.

True, thank you! I just have a fear that it will only be 18 year olds since Americans tend to go to college right away. Here in Sweden most people in my classes are my age or older.

i loved visitng my sister in San Francisco, my boyfriend and I didnt have a car for two weeks while there. We either used public transportation, which there is a decent amount of or used Uber to get places, both were fairly easy and cheap in my opinion.

Thanks for the suggestion! San Francisco seem nice too.

 

[youbetterwork]

Boston is great! If you live in the city you won't need a car, but it's expensive. And you'll be limiting yourself if you can only au pair in the city where you won't need a car. The city of Boston itself if small and the Boston area is a lot bigger, but public transportation itself isn't that great outside of Boston proper.

I've noticed that it's pretty expensive, the tuition is way higher than most other colleges and universities I've been looking at (and it's not even the more famous one's in Boston). However I've also found English courses that are cheaper, so that's an option too.

I don't think I want to be an au pair, but I haven't fully decided yet.

 

[krystynakrez]

For everyone who told me Chicago wouldn't be that cold in November.... FU

 

[Alexx]

For everyone who told me Chicago wouldn't be that cold in November.... FU

It was nice last week I swear. We've had multiple days of 60's this month and then it got cold within a day.

 

[gofriars610]

I think I need to switch environment ASAP (ASAP = next fall, lol). I've always wanted to go to the US for like a half a year or something, but pretty much the only way to go is to study or be an au pair.

1. Is it too late to do a "study abroad" thing at a college/university when you're 23? I feel old. :(
2. I prefer to go to a city where a car is not needed. I'm thinking about Boston or Honolulu. Any advice?

You have expensive taste in cities, haha.

You don't need a car in DC, but it's not cheap. I'd assume there's a ton of au pair opportunities in the city though--and there's about 230482343 colleges there too.