The smartest investment I ever made was becoming a stay at home mom. Less stress from work so my health is better and we actually save more now that I stay home (been almost 2 years!).
I invested in a quality business suit, perfect for interviews and work; it stands the test of time with style and durability. Some people don't want to spend too much on a suit, but for women, one really great one can be an important investment and be the reason you get that high paying position or not. It needs to be tailored to you also. It is definitely worth the investment if you are serious about getting a good first impression that can be all the difference in making it or not.
I think my computer crashed (resulting each time in the loss of my beloved music collection) about 3 times before I even knew about the benefits of getting an external harddrive. Now its no problem and I'm worry free when it comes to all my important documents and music files! I'm set for good!
I think our home has been the best investment. We bought it in Feb. of 2009. We bought it for half of what the original owners bought it for. We were also able to pay cash on the down payment. I hope in the future the prices will rebound and we can make some money off it if/when we decide to sell it.
I invested in changing my spending habits so that I only live off of half of my take-home pay. The other half goes straight to retirement & savings accounts.
The smartest investment I've ever made is having kids. It will probably be one of most expensive investments I'll ever make - I don't really want to know what the total cost of raising two kids will be - but it's well worth the money. Not only will they enrich our lives immeasurably, we will also have someone to take care of us when we're old and gray.
For me it is my shelving for my food stockpiling. I started couponing, and it helps me save a ton of money. Without the shelving...I wouldnt have my own grocery store~!
Thanks for the chance.
Honestly the best investment decision I have made hasn't been made yet. Hopefully this one with this new company and maxing my 401k out will be the one
Best investment I made was taking the time to see what is important in my life and to make changes to improve that. It was to spend more time with family. I was able to work it to where I could work at home and be able to attend kids events and doing stuff with them. By working at home, able to be more productive and focused which made me complete work quicker and allowed me time for family.
My smartest investment was on my passport & traveling outside of the country I live in. It really is true that you appreciate and look at your life differently once you travel to another country. You never will be the same once you experience life somewhere else.
The wisest investment I made was getting a college education. This gave me the foundation and credential I needed to move forward and earn a living wage. From there I have been able to manage credit card debt, student loan debt, and invest in working overseas!
I'm doing my math to either get a mortgage ($350k) or go all cash. According to my calculations (looking at today's rate of return on CDs -10 years at 2.9% (no stocks for me these days)) it comes in to 11k difference in favor of paying cash. The way I did the math as follows: 350k with 4.2% mortgage $132k in interest minus 28% tax rate 36960 of tax savings-I end up paying $95000 over 10 years. If I open a CD for 10 years at 2.9% (for the same 350k) I will end up having 84600 in interest (after tax, same tax rate 28%), that means I'll pay 11k more in mortgage over the the same period of 10 years. I'm also worried about the inflation when money in the bank loose their value...
Anyone can confirm my math? Did I make a misstate somewhere?
Thanks for posting these great tips. You have inspired me to edit my closet this weekend.
If you are going to be shopping online and using coupon codes, you can save some extra money if you buy during a holiday or sale event weekend. During these times stores will send out a coupon codes that last for a few days with a larger then normal discounts. So if you can be patient you can save a little extra.
My HP laptop as I had a high end Toshiba that was always crashing and I could not get my work done. I finally broke down and bought a more basic HP latpop with windows7 and have not had any problems. I am more efficient and much happier!!
My best/favorite investment has been my acoustic guitar. I bought it 4.5 years ago during my freshman year of college at Virginia Tech. I've become decent at playing and have discovered that I love to sing as well because of it. The motivation to learn guitar that came along with my purchase is a timeless gift of creativity and relaxation.
The smartest investment I ever made was waiting to roll over my 401 money from my previous employer to my new employer. Three days before the time was "up" for my required withdrawal, the stocks I held were sold to another company and I was paid 2 for 1. By simply waiting until the last minute I actually doubled my financial worth.
The smartest investment for me has been investing in my ROTH IRA. I've been investing in my Roth for the past 4 years and have a healthy amount saved up!
The smartest investment I’ve ever made is a recent one in my own health. I'm about to turn 55 and joined a club for aqua-cise and whirlpool to improve my condition, relieve arthritis, etc.
Yeah I didn't write about cars because I figure most people don't buy cars expecting them to appreciate in value. However, people do expect timeshares & penny stocks to go up.
Best investment I ever made was buying a home
The smartest investment I ever made was becoming a stay at home mom. Less stress from work so my health is better and we actually save more now that I stay home (been almost 2 years!).
I invested in a quality business suit, perfect for interviews and work; it stands the test of time with style and durability. Some people don't want to spend too much on a suit, but for women, one really great one can be an important investment and be the reason you get that high paying position or not. It needs to be tailored to you also. It is definitely worth the investment if you are serious about getting a good first impression that can be all the difference in making it or not.
I think my computer crashed (resulting each time in the loss of my beloved music collection) about 3 times before I even knew about the benefits of getting an external harddrive. Now its no problem and I'm worry free when it comes to all my important documents and music files! I'm set for good!
I think our home has been the best investment. We bought it in Feb. of 2009. We bought it for half of what the original owners bought it for. We were also able to pay cash on the down payment. I hope in the future the prices will rebound and we can make some money off it if/when we decide to sell it.
I invested in changing my spending habits so that I only live off of half of my take-home pay. The other half goes straight to retirement & savings accounts.
The smartest investment I've ever made is having kids. It will probably be one of most expensive investments I'll ever make - I don't really want to know what the total cost of raising two kids will be - but it's well worth the money. Not only will they enrich our lives immeasurably, we will also have someone to take care of us when we're old and gray.
For me it is my shelving for my food stockpiling. I started couponing, and it helps me save a ton of money. Without the shelving...I wouldnt have my own grocery store~!
Thanks for the chance.
Honestly the best investment decision I have made hasn't been made yet. Hopefully this one with this new company and maxing my 401k out will be the one
Best investment I made was taking the time to see what is important in my life and to make changes to improve that. It was to spend more time with family. I was able to work it to where I could work at home and be able to attend kids events and doing stuff with them. By working at home, able to be more productive and focused which made me complete work quicker and allowed me time for family.
My smartest investment was on my passport & traveling outside of the country I live in. It really is true that you appreciate and look at your life differently once you travel to another country. You never will be the same once you experience life somewhere else.
The wisest investment I made was getting a college education. This gave me the foundation and credential I needed to move forward and earn a living wage. From there I have been able to manage credit card debt, student loan debt, and invest in working overseas!
I'm doing my math to either get a mortgage ($350k) or go all cash. According to my calculations (looking at today's rate of return on CDs -10 years at 2.9% (no stocks for me these days)) it comes in to 11k difference in favor of paying cash. The way I did the math as follows: 350k with 4.2% mortgage $132k in interest minus 28% tax rate 36960 of tax savings-I end up paying $95000 over 10 years. If I open a CD for 10 years at 2.9% (for the same 350k) I will end up having 84600 in interest (after tax, same tax rate 28%), that means I'll pay 11k more in mortgage over the the same period of 10 years. I'm also worried about the inflation when money in the bank loose their value...
Anyone can confirm my math? Did I make a misstate somewhere?
Thanks for posting these great tips. You have inspired me to edit my closet this weekend.
If you are going to be shopping online and using coupon codes, you can save some extra money if you buy during a holiday or sale event weekend. During these times stores will send out a coupon codes that last for a few days with a larger then normal discounts. So if you can be patient you can save a little extra.
My HP laptop as I had a high end Toshiba that was always crashing and I could not get my work done. I finally broke down and bought a more basic HP latpop with windows7 and have not had any problems. I am more efficient and much happier!!
My best/favorite investment has been my acoustic guitar. I bought it 4.5 years ago during my freshman year of college at Virginia Tech. I've become decent at playing and have discovered that I love to sing as well because of it. The motivation to learn guitar that came along with my purchase is a timeless gift of creativity and relaxation.
my best investment is my 1997 ford explorer, just maintenence and tires. Love that car, has saved me thousands of dollars over these past years.
@tommeg
Looking forward to it.
The smartest investment I ever made was waiting to roll over my 401 money from my previous employer to my new employer. Three days before the time was "up" for my required withdrawal, the stocks I held were sold to another company and I was paid 2 for 1. By simply waiting until the last minute I actually doubled my financial worth.
The smartest investment for me has been investing in my ROTH IRA. I've been investing in my Roth for the past 4 years and have a healthy amount saved up!
The smartest investment I’ve ever made is a recent one in my own health. I'm about to turn 55 and joined a club for aqua-cise and whirlpool to improve my condition, relieve arthritis, etc.
Yeah I didn't write about cars because I figure most people don't buy cars expecting them to appreciate in value. However, people do expect timeshares & penny stocks to go up.
yay!
c u there
im here!