@mrstickball, yea I am bad at budgeting but I make barely over 20k. I would have to have another person/partner income to do anything like investing. I wouldn't be able to invest on my own if I lived by myself (rented apt, paid all bills) on 20k. If you make about 20k you make 1,600 at most after tax (I claim 2 dependents, myself and only working one job that makes less than whatever the amount is). You've invested in a few things but I am pretty sure you were approved for loan for what you mentioned. Banks don't approve shit now a days. They get money "lent" by the government at almost 0 percent interest and go around and charge people crappy interest rates. Sure they have to make money but to charge rates they are charging is pure bs. I went to Wells Fargo to ask about car loan few years back. The guy basically told me to go elsewhere (was about 10-14 percent interest, and I agreed with him I did go elsewhere). I went to local credit union and got a bellow 5 percent interest rate (recently borrowed 2k more on car (to get ahead of bills) and reduced interest to below 4 percent interest)). Basically, if I was smart I would have invested in google stock when it became public, and I would have invested in Microsoft in the early 90s (to about time the anti trust came up). I know which companies I should have invested in but I had zero money available at the time to do so. Anyways, you must be supreme at budgeting mrstickball to have a kid and support them and be able to invest making less than 50k combined (I thought kids cost over 100k per first few years). So you are saying you and your partner have a kid and rely on zero government assistance (food stamps, chips, medicare)? Grandparents (1 parent income) making less than 50k back then would be like making 100k or more now a days so I don't see how that is relevant.
Existing User Log In
New User Registration
Register for a free account to gain full access to the VGChartz Network and join our thriving community.
