I worked over 40 hrs. a week, no overtime salary, see details??
Question:
I worked over 40 hrs. a week, no overtime pay, see details??
I worked for 4 yrs at a marina/resort and abundant many weeks capably over 40 hrs. I thought because I worked 9mos out of the year, laid off within the winter, I wasn't eligible for time and a half. Recently I found out that I be, and that has me for a moment ticked off.I live contained by a small town, everyone knows everyone. So I be a little awkward to pursue filing a claim to gain those monies...but the more I think almost it, the more irked I get...If someone owed you 4 yrs of overtime, would you profile a claim even though your friendship with these empire will end...We aren't "friends" surrounded by the sense of the word, we're friendly, but don't socialize together...I'm not wanting them to get into trouble, but it is deeply of money, and the owner should have compensated me. What do you think?
Additional Details
27 minutes ago
I don't work at hand anymore because instead of drawing unemployment for a couple of months, I go to work for someone that was need help, and not bloodsucking during the winter was so appropriate, that I decided to in recent times keep the year round undertaking...that has be 2yrs now. Didn't quit other job on discouraging terms at adjectives.
23 minutes ago
hourly employee
19 minutes ago
Trust me, HE KNEW!! Owns a million dollar business!
17 minutes ago
MOVE ON WITH MY LIFE.. How's the tune of around $15,000.00 dollars nouns if it was owed to you?
Answers:
Talk to the owner first; within may be some reason or policy for you not person paid overtime. If he cannot explain why you be not paid OT or if his judgment for you not being remunerated sounds like a bunch of crap, profile a complaint with your state Department of Labor. Make sure you hold documents of proof, that is, clear stubs showing you worked OT but not getting paid for it. The DOL should investigate this and if anything, may upset the owner into paying you or at least proposition you a settlement amount.
Would it be possible to gather your supporting documents, such as earnings stubs, and go to the department manager and request your time cards, or time diary. Be polite about the intact thing, this seem to get race further in vivacity than being hurtful. As them why you were not compensated for your overtime. Insist that you want to be paid for this time that you worked, and if they don't comply that you will bring in contact with the labor board. If they don't endow with you the pay that you worked for I would contact the labor board and enjoy them investigated. Unfortunately, sometimes people approaching to take profit of their employees and have need of to be shown that there is a cost for doing so. Good Luck.
You are definitely owed this money, and I would specifically pursue it - however, you'd better do it quickly. I believe the statute of limitations on wage and hour violation is 3 years.
Contact the wage and hour division of www.dol.gov - they will have a connect to your state's site. They will pursue a claim on your behalf for free. You are entitled to back rate for the OT hours; they will audit the company's payroll records. This is the senate, so this process doesn't move too quickly.
You can also directory a claim with an employment attorney; however, preserve in mind that they will charge you 30 - 40% of the award they win for you, so that $15k might be more approaching $9k by the time you pay the attorney's fees. It will be faster than waiting for the DoL, however.
Good luck!
Before you do anything, you should return with your actual rights from a profession in your nouns. Most states have their own law.
You should contact an attorney for a consultation (some will do this for free) others will charge a fee or you can walk to the labor board.
Good luck!
Just for fun?
Question:
Who thinks they know of a fitting idea of the easiest road to make 1million pounds
Answers:
Buy a million things for lb1 and supply them for lb2!
i know but i am not telling anyone as that style i can't make my million
leap infront of a police car, but product sure he's not payin attention so it looks like an disaster, brace yourself and hope for the best. the sue the life outta the police department. its a win win situation, of late dont go hurtin yourself.
write to a million inhabitants asking for lb1 each, who is going to miss a pound?
Easy, any rob a bank or win the lotto.! ha ha
brand your own million dollar [pound] homepage!
Run, naked through Leicester Square on Saturday afternoon. Then provide your story. By the time you've been surrounded by the tabloids and done your round of interviews with Trisha and Jeremy Kyle you wont be far stale that cheeky million.
Look for an old boy next to plenty of money lol
well it would enjoy to be a million lb5 actualy and will cost a bloody fortune in printer ink
You acquire the idea I am sure
Don't give attention to about money.
Just manufacture loads of friends.
When you a million friends; borrow a pound from each of them
Hey presto you enjoy your million pounds
scan the latest harry potter book. and provide it on ebay as a ebook for a pound.
Rob a Bank
Buy some premium bonds. Even lb100 worth gives you better probability than doing nothing
Has anyone else ever be shafted by a Coinstar device?
Question:
I poured all my vary into one of them in a supermarket yesterday - it turned out to be broken and also have someone elses money in nearby too - therefore they couldn't pass me mine back. I don't know how much i poured contained by - how will they resolve this little mess?
Answers:
Everyone who uses a Coinstar machine is mortal shafted. Don't accumulate your coins, spend them on a daily basis.
You should complain not only to coinstar, but the supermarket should be held liable.
thats ridiculous, i would own called the number on the side of the piece of equipment, or demand the maager plain it so u can retrieve ur money. u shoudlve taken ur change to commerce wall they dont charge you for counting it up like coinstar does.
Complain to everyone you can. Then never use them again. Considering the time importance of money and the fee Coinstar charges, you're losing abundantly of your money.
Either use your change more commonly or use commerce bank. The enjoy the same characteristics of machine, they don't charge a charge and you don't have to be a memeber.
one time. i complained to the officer, he didnt help me. it be only approaching 10 dollars worth but ever since that time i stop accumalting loose change but instead simply spending them after i get them
HI THERE,
HAVE YOU BEEN SCAMMED IN THE PAST OR DO YOU NEED A LOAN BUT HAVE BAD CREDITS.
Then verbs no more, talk to jack christian via; wecareloan@yahoo.com
AT we precision care loans we rob care of you and your problems, we do not purely solve your problems, we become your friends, try us and see God working through us,
to stop greedy scams from taking benefit of you.
WE CARE LOANS, TRULY WE CARE!
I call for back beside figure out my lift!?
Question:
I am not good at math at adjectives so her it goes. I take home 11.69 hourly. I work 40 plus hours a week. Can you please tell me how much more money an hour that a 5% cost of living tilt would get me? Thanks. I know this is a stupid grill but like I said math be never my strong point.
Answers:
That's an additional $.58 per hour ($12.27).
you wil capture 12.27/hour. 1.05 x 11.69
1215.76 per year, not counting overtime for more than 40 hours each week.
Your investigational hourly rate would be 12.27 an hour. That is an increase of 58 cents an hour. For a 40 hour week you would be paid $23.20 more.
You don't know how to compute that? It's 58 cents per hour.
The American public academy system shows how good it is once again.
How can I earn money sitting at home,through internet or post?
Question:
I am an Engineering student.
Answers:
Hey I'm a Computer Science student and I once asked the same interview here on RunEye.coms.
I would recommend a survey site called http://www.lightspeedpanel.com If you similar to that site then email gpcdon@yahoo.com and I will transport you 2 more sites that have be paying me this year.
Finally, check out http://www.geocities.com/gpcdon... for a list of remunerated email programs. If you join newly one I one would recommend Adbux. You get 1 cent for viewing an personal ad for 30 seconds and they commonly have 5-10 ad a day that you can click.
Hope I could comfort you fill up some of your time Mr. Engineering Student.
Hello, I enjoy been contained by the business world for 42 years and I can direct you. Click on my picture and read my profile and if you are interested you can e-mail me, rlates@cox.net
http://urlfreeze.com/1/payraise/...
http://www.goodshephard.free1up.com...
This is one of the best site for some extra change i have ever see. I have be doing this for about 3 months and i am already making 3000 a month and its still growing. If you are really determind to craft good money this is for you. Here is a relation to the website. God Bless!
http://0008899.sebaa.hop.clickbank.net/...
From my experience the best way I hold found is to join up next to some of the survey sites and also some affiliate programs, some scam you or never pay but some do enjoy a decent reward out. I’m not saying the thousands some promise you but an ok amount of spare dosh.
I have a blog that I wrote in the order of it all. It go more in depth and list a few good places to check out as in good health some pointers of how to make the most of the internet’s opportunity. If you want to contact me all of my info is within my profile section, I’d be glad to share some pointers!
Hope This Helps!
Take a look on http://www.moneyaside.com for work from home accepted wisdom - make money online - Just Tips No Tricks
Try it. This will relieve U.
http://www.emoneyinfo.info
Best of Luck.
You should check this out. It’s FREE so I figured why not.
http://www.evolutioniscoming.com/evo2119...
Here are some links providing more information:
http://www.youtube.com/watch?v=tr22etssq...
http://www.youtube.com/watch?v=x092ftrm1...
http://www.youtube.com/watch?v=dhejy3mcb...
Register a free ClixSense.com justification. Log in and click the "browse Ads" button.
Each page you browse is displayed for 30 second. You get remunerated for each commercial you view.
Receive a paycheck respectively month for your browsing activities.
http://www.clixsense.com/?2088559...
Corp Scan Online is the merely Indian Research Organization administering Online surveys which pays cash to their respondents at every stage directly into their edge account and deliver gifts at their door step. Corp Scan Online is the Premier Indian Online Survey Organisation having Transnational Presence. Feedback from respondents of Corp Scan Online indicates that they are the most reliable online survey organisation surrounded by India paying their respondents on time. Corp Scan rewards you contained by the form of incentive points for taking up survey and. Corp Scan Online pays you even for referring to your colleagues, friends, family, relatives and others. Corp Scan sends you an invitation e-mail soliciting your contribution. You can redeem at your discretion in dosh or gifts or both
click the link below
http://corpscan.info/eform/index.php?you...
Would you resembling to make money beside Net2money.com? Want to get compensated in Rupees as all right as in dollars! This is NO HYPE. You really can earn guaranteed dosh!
Why is our Net2money.com membership so incomparable and sought after?
Because At Net2money.com you can earn cash newly sitting at your home with your PC by playing free bread games, participating in great contests and referring your friends, colleagues and relatives.
Our FREE CASH GAME is spreading approaching wildfire!
Because there is no requirement to download any software, just require registered email to play, A casual to win Rs.100000.00 daily plus you earn guaranteed brass for every play, amazing! Isn't it!! In our FREE CASH GAME, you will profit all the style.
Cash N Gift Contest (Click Cash)
In this contest you earn cash, prizes approaching cameras,mobile phones, parker pens etc., basically clicking the buttons. The results are displayed instantly.
We are adding thousands of member every day.
>You also earn 50 BUCKS per referral.
>You earn 5% ON REFERRALS returns for life time.
You resolve how much money you want to make. Do you want a few hundred extra respectively week or a few thousands? It really is up to you.
It's the kind of nouns you may taste for the first time contained by your life.
It starts beside one simple step. Join Net2money.com now.
Get surrounded by first. Get in in a minute and be richly rewarded from their efforts. There really is nil to
lose except a whole lot of money if you don't come together for FREE now!
http://www.net2money.com/signinconn.asp?...
HI THERE,
HAVE YOU BEEN SCAMMED IN THE PAST OR DO YOU NEED A LOAN BUT HAVE BAD CREDITS.
Then verbs no more, talk to jack christian via; wecareloan@yahoo.com
AT we aid care loans we bear care of you and your problems, we do not a moment ago solve your problems, we become your friends, try us and see God working through us,
to stop greedy scams from taking authority of you.
WE CARE LOANS, TRULY WE CARE!
by completing the project
Money mystery... any insight?
Question:
I bought a car 6 months ago w/a downpayment of $2500 w/a check. The dealership say they have their money already but the money have not been taken out of the hill still. I talked to the dealership a couple months ago and they said they cashed it already. What is going on and what do i do?
Answers:
Many businesses hold on to near income for some time before deposit thats what happen to me. Eventually they will deposit it. Keep it deducted , it will shift thru.
Do nothing.....for immediately if it turns out they havent had here funds sooner or later they will want it, meanwhile you should bring interest
Talk to your bank and see whats up.they will own your records and should know how to tell you whats going on.
401k Is stuck surrounded by limbo from former Bankrupt employer?
Question:
While working at an employer for 2 years, I managed to amass a decent $2500 surrounded by a 401 K (no employer match, it be all us). I quit contained by October of 2006 and the company went beneath in December. I received a communiqu¨¦ in March of 2007, stating that the plan have been terminated and that I should receive a reminder from the Plan Admin asking how I would want the money distributed. It's July and have still not received the memorandum. So I contacted the 401K company, Transamerica, and they stated that while the plan was terminated, the process is not finished and I cannot do anythign near the money until then. They reffered me to the plan's admin contact info, which is of the HR chief that quit in March of 2006 and the number is appreciably disconnected. What can I do to get my money out?
Answers:
This can be a nightmare or it can work out newly fine. The key is to be proactive and NOT lurk for people to come to you. Read the article at the intermingle below. It contains a Department of Labor number that you should call. Good luck.
You can database a motion with the Bankrupcty court. You call for a Bankruptcy attorney to do that.
For $2500 it is not worth the cost or effort.
Wait until the process is completed.
A.t.m. dilemma contained by the u.k.?
Question:
I used a Royal bank of scotland ATM to annul 300 quid - wasnt working - no money came out and they debit my account - go into my bank (Abbey), file a "Dispute form" - the cashier said he would fax it rapidly to RBS - this is 3 weeks ago... Still no money refunded so i get onto RBS who said that their machine definately have a tech. fault on that time I used it... HOWEVER, Abbey never ever lodged my dispute form... Now what? I needed that money this weekend - I`ve gotten onto Abbey and they`re either ignore me or passing the buck. what do i do?
Answers:
thats why i immediately bank next to another bank wouldnt turn back to rbs ever
You necessitate to make a formal (Written) complaint to Abbey National truism what went on.
Keep calling Abbey - if they didn't exceed on the dispute form then they are at culpability. Demand to speak to a manager, explain you necessitate the money and ask that they provide it for their own error in not making the claim.
Are they worth my money?
Question:
I want to buy the items on the two links for my braces that i'm getting in 8 days.
I want to know if they are worth the money.
Here are the links:
http://www.dentakit.com/denforkidand.htm...
http://search.barnesandnoble.com/booksea...
Please shift to the links to tell me going on for eack item you can refer to them as book and kit for short if you would close to!
Thanks for your help!
Sorry give or take a few the novel! LOL
Answers:
all right usually orthodontist give you a apparatus with adjectives you need contained by it, so i don't think you'll requirement to worry in the order of buying anything for them.
I had braces for three years and adjectives i did was brush them approaching usually and occasionally floss... maybe approaching three times the whole time lol.
TWO links for your braces?!
Just how big are your teeth anyway?
I THINK U R RIGHT
Don't buy anything until you gain your braces.
Your orthodontist will provide some of those things for no additional charge.
hell yea its fixing your teeth
i wouldnt buy the dental tools, i had braces for 2 years and never used one of those, and my teeth are pretty much supreme. lol
usually your orthodontist will give you free cleaning tools if you ask! mine give me a little bristle brush, almost similar to a mini bottle cleaner.it gets contained by between each bracket.
otherwise, the Sonicare electric toothbrush works great!
as for the 2nd connect, it didn't show up on my computer, so im not sure what it was!
Good luck & be wary when you eat apples beside your braces! lol, i've broken my brackets wayy too many times from them!
Bankruptcy?
Question:
If a person files for bankrupcy and at the time of file they did not have a checking justification, but then opend a special checking report can it be a problem?
Answers:
If the checking account be opened after your discharge you are fine but it could be a problem if the ruin hasn't been discahrged however. If that's the case you requirement to notify the lawyer within charge of your bankruptcy.
I inevitability some suggestion beside conservatory and investment option?
Question:
I am a 22 year old feminine with a Bachelor's amount. I have be working for a year and plan on working one more year. Then, I be going back to arts school (law school) in August 2008. I hold a salary paying undertaking with excellent benefits. My focus is on abiding and investing my money. I also want my own place, but I am not sure which is best (apartment, condo, townhouse). I am currently paying off loans, credit cards and my saloon note. I am interested within investing in property and enhancing my prosperity. Please give me some guidance.
Answers:
Paying off your debt is probably the best use of your money but if you don't hold an emergency fund (4 to 6 months take home pay) you really necessitate to build that up.
The first 3 months should be saved into a big yield stash account approaching ING (link below).
Then check out vanguard.com. You can start a mutual fund for $1,000 bucks. Check out their Star fund, VGSIX.
The best place for investing shares is the broker office.
You call for a financial advisor. Go to www.fidelity.com and find out how to talk to an advisor for free.
This may come across really off the wall but you should check out a side profession with Arbonne. It have changed my life and I hold not only enhanced my sumptuousness but I now enjoy the option to get rid of a company that I founded 10 years ago, because I am doing so well next to Arbonne. It is not something I ever thought I would do, but am so thankful I give it a shot. If you would like to check it out shift to www.akarbonne.myarbonne.com and let me know if you own questions. I can distribute samples or information for you to check out as capably.
g
The best return for your money right now is probably paying rotten the credit card debt. If you have glorious interest cards the money you save by paying them past its sell-by date is likely worth more than the appreciation contained by real estate.
Do you know where on earth you are going to go to directive school? Are you standard into the school. If so, you could consider buying a residence fundamental there. If you buy property, will you own enough lolly to pay for imperative school?
I'd read out pay sour your existing debt first. Pay off those credit cards. Live beside roomates if this means more money for your bills.
I applied for a secured loan near millennium loans and they are askin for a insurance deposit of $700.00 does?
Question:
any one have any feedback? is this correct!!
Answers:
This happen to me as well, I spoke next to a girl named Jamie Shelborn and she told me I needed to put down $850.00 past the loan would be transferred. The address on her cheesy Microsoft word "formal approval letter" listed:
Millennium Loans
15700 W. Ten Mile Road Suite 209
Southfiled, MI 48075
toll: 8OO-892-0385
fax: 313-447-2066
What a trick..STAY FAR FAR AWAY
RUN. its a scam
Don't fall for it. It's not legit.
Never (ever) rate a "fee" to get a loan. It's the number one identifier of scam.
my Advice: Don't deal near anyone from a foreign country and never use wire verbs services..
Mr.Blue is right. If they are asking for a fee after chances are terrifically good they are not a legitamate company. Run don't saunter...
ANY legitimate lender that required insurance would take off the premium from the loan proceeds. If they want you to send them money underneath ANY name, the 'loan' is a SCAM.
SCAM!!
Dont do it, its a scam
you can rely on my service.
I am Mr Richie Banks, a Reputable, Legitimate & an approved money Lender.
I loan money out to individuals in have need of of financial assistance.
Do you have a impossible credit or you are in necessitate of money to pay bills?
i want to use this prevailing conditions to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan.
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write pay for if interested.
Upon Response, you'll be mailed a Loan application form to imbue.
(No social security and no credit check, 100% Guaranteed!)
I Look forward permit me to be of service to you.
Sincerely,
Richie Banks
Managing Director,
fLoans Services
banks_loanequity1@yahoo.com
Is within a website that calculate how much you can afford on a mortgage?
Question:
I'm nowhere near all set to buy, but want to do so in going on for 4 years. I hope to save $40,000 at the totally least. I want to numeral out how much I can afford on a monthly mortgage with my and my husband's projected income 4 years down the vein. We live in a core city and will probably be stuck getting a condo to start with, so I enjoy to factor in condo fees.
Thnx!
Answers:
www.bankrate.com have a mortgage calculator. It allows you to put in your expenses, income, as okay as expected tax/insurance on properties in your nouns. It will give you the amount you can repay per month based on your income and other bills as very well as tell you what price length you can buy in near $X downpayment.
Let me know cuz I want rent
yeah go to any realty site or purely type in home mortgage calculator surrounded by your browser.
You really need to digit out how much all your monthly expenses are to see how much you can afford.
There is no site
It's abundantly bigger question than a moment ago income. You also have to filch into account what other financial obligation you have, and your desired lifestyle.
Talk to a realtor - they can probably contribute you some rules of thumb. Then figure on staying very well BELOW what they say you can afford if you want to own money for anything else.
You can find a mortgage calculator at http://www.bankrate.com/brm/mortgage-cal... - there are several more on the Internet. Remember that this is just principal and interest, and your grant will also include taxes and insurance. If you can save $40,000, you should be surrounded by very well brought-up shape to get a mortgage.
I find that bank allow you to borrow more than what's really a safe amount to own as a mortgage. If it's too high there's no space to own extra funds for surprise expenses like a vehicle breaking down or house fixes.
I use a budget program (CalendarBudget.com) that allows me to enter adjectives of my expenses and income. I can then look forward on any given time and see how much will be in my picture on that day. I have an idea that this program could help you by allowing you to enter adjectives of your expenses and keep updating it as time go on to be sure you are on the right track. You can further use it to spend less surrounded by different categories so would own even more in the long run for putting down on your house/ condo.
We used the program to see if we would know how to live on only 60% of our income and hold to change any of our current living standards. We found we in recent times had to cut down some on our nest egg and cut out extra mortgage payments.
See the blog on CalendarBudget that talks for a moment more about avoiding redundant expenses.
Loan company asking for down wage?
Question:
does anyone know anything about First Manul Life Financial ? Are they a actual company? legit?
Answers:
Any time you do a mortgage or home loan you are going to be asked for a down payment base on the type of loan you are getting, how much house you are buying. It is normally 5-20% of the amount you are getting/value of the home unless you are using a VA loan. Have you checked beside the Better Business Bureau to see if they are a member, or look up complaints? www.bbb.com. Also, check out www.ripoffreport.com This is for nation who have complained, but nought came of it, and they freshly want to warn other associates about these companies. If you aren't premonition good in the region of a transaction, then don't use them. For loans, I other use my regular bank, because I know they are FDIC insured, are reputable, and they want to save me as a customer.
If they are asking for a Down Payment - they are not legit.
Don't pay attention to the family on here who are trying to Scam you.
Beware of Advance fee Loan scam.
DO NOT take any offer or click any links from people that post on this board... 99.8% of them are SCAMS.
my Advice: Don't traffic with anyone from a foreign country and never use
cable transfer services..
http://www.ftc.gov/bcp/conline/pubs/tmar...
I want to retire at 50, what can I do to receive it appear?
Question:
I'm 20 now, junior getting a business level, what things can I do to increase my chances of reaching my purpose?
Answers:
Getting your degree is a well brought-up start. When you get out of institution and are working full-time, live below your means and invest the money you aren't spending.
Good luck.
move to a third world country that have a low standard of living and you could retire with a couple hundred noble.. of course you better hope you don't bring sick and need medical treatment..
Go to your local library, and acquire a book called "The Automatic Millionaire", read it, and do everything it say.
Lesson one in living below your money is this: remember, don't buy the book! Utilize your local library.
Try to live as close to your college lifestyle as possible when you are in the "existing world". It is true that you will have to spend on some things that are covered when you are a college student. However simply because you start making a good pay does not mean you inevitability to rush out and buy a car or pinch on other expenses.
The tough thing roughly speaking such a young retirement age is that you own to find health insurance until you can obtain Medicare coverage. You also need nest egg in taxable accounts to support you until you can annul from your retirement savings. Also 25/30 years is not a long time for your investments to increase. Another 5 years can engender it a lot easier to build up more money.
However retiring at 50 is a good dream and even if you don't reach it and retire comfortably at 55 you will be ahead of most other inhabitants. One plan you might consider is working and accumulating money until you are in your delayed 40s and 50s, and then "downshifting" into subdivision time work or something that is smaller quantity financially rewarding. If you can break-even during your downshifting phase, your retirement assets will have extra time to grow.
I be given this advice by a millionaire: He said to construct sure that what you do for a living is what you enjoy doing. If it requires a college rearing then grasp it. Next, talk to other populace who are wealthy to find out where on earth they are putting their money. He said most rich people don't mind sharing their strategies. Let the rich entity you have contact near know that you are wanting to invest your money and ask them what they think. Also, obtain a personal financial consultant is well worth the time. They can be a plethora of information.
Every time you want to spend money, ask yourself if this is really basic or can you go lacking it. Look at how much junk those accumilate by the countless yard sale that go on every weekend. Most of it is cast-offs.
There are also some really good books that can expand your mind on how to build riches. My favorite is Suze Orman. She keeps it simple and pardonable and her methods work.
Be prudent with every dime, but trademark sure you have some fun along the method. Godspeed!
Start investing on a mutual fund as soon as you can. Due to your age, I recommend the Dodge & Cox Income Fund (DODIX), offering both low expense and risk. This no-load fund is still open to clean investors and although it currently is not doing too well, you do procure paid dividends every quarter so this offset the losses and in the long run you will come out ahead. You call for $1,000 to open an article and invest a minimum of $100 either monthly, quarterly, etc.
If you can embark on two funds, I also recommend the Dodge & Cox International Fund (DODIF). Still low expense, no load but high risk and higher returns.
With D&C you can set up a direct investment plan.
You do not requirement a broker to invest with Dodge & Cox and they solely charge $12.50 per year no matter how various accounts you have. I suggest you start a straight IRA (tax deferred) where you can rollover your 401K's when you fine-tuning jobs.
Bottom chain is that you will retire early if you live below your ability and never stop investing towards retirement.
Buy an apartment as soon as you can and upgrade through the equity you will build with time.
Unless you are making lots of money, bound the amount you spend on a car to beneath $20,000. Remember, money spent on a car devalues like lightning and this investment will never give you a return.
Run to the bookstore and buy a copy of the most up-to-date copy of Kiplinger or Money that has Retirement on it.
It's accurate to start this process at your young age but it'll require sacrifice along the path. I started much later (age 30)
Basic Rules:
Max out your 401K beside your employer matching. Your HR should enjoy details. Earnings will be tax free when you obligation to withdraw after age 59.5 (or sooner...but what 35 years).
Invest within a Roth IRA. I'm 50 now. I get married and had a daughter (who go to Boston College and then NYU for her Masters). It rewarded to invest in those areas that would verbs tax deferred (401K) or charge free earnings (Roth).
Do your homework very soon and research.The advice I get 15 years ago made alot of sense.
You are very astute to ask that question at your age.
I agree next to Lisa. Get the book The Automatic Millionaire by David Bach. If you read the book - then you deserve to retire at 50 and live the go of your dreams. It's brilliant.
Good Luck.
http://www.SoGettingRich.com
First step is to decide what mode of life you want to hold at retirement and how much it will cost. Next analyze what your money path will bring you to beside the current income and expenses.
I use a budget program called CalendarBudget.com that allows me to look into the adjectives and see how much money I will have surrounded by my account at any given light of day.
RRSP's allow you to invest money that will then accumilate more intrest at a faster than your regular mound account.
Use the program to product a plan that will show you all of your day after day income and expenses. Then decide which expense really requirement to stay and will allow you to save even more within the long run. Every penny counts.