FOREX UTARA: Forex No Deposit Welcome Bonus

Looking for suggestions to secure my family’s financial future. (~$100K to allocate, earning ~$50K/yr after taxes)

Edit: TL;DR - wall of text explaining my current finances, also asking if it’s the right time to enter the housing market (and how I might protect myself if I do so). I’m very cash-heavy and looking for ideas to diversify and grow into retirement, while ensuring my wife and kid are taken care of as well.
I realize there are many different options for how to save and plan for retirement. I think I’ll be just fine, but I also recognize that I have a lot of room for improvement. More than my own personal security, I want to provide as much as possible for my wife and child, both of whom I expect to outlive me by many years.
Now, I would never share this kind of detail with someone who knows who I am irl, hence the throwaway. As far as non-immediate family and acquaintances know, I’m living paycheck to paycheck, and I’d like to keep it that way.
Some background information about me:
I’m 35 years old, serving on active duty in the US military, and I’ve been in for a little over 12 years. I’ll be eligible to retire in about 8 years, and a rough conservative estimate is that I’ll receive about $2,000/month retirement pay starting in my early-mid 40s. The plan is to continue working after I separate until, well... until I’m ready to stop. Who knows when I’ll feel too old to work? 55? 65? 85???
The idea is to have the financial freedom to “officially” retire when I’m ready to so, no sooner and no later.
I’m married and I have one kiddo.
The wife makes a pretty decent paycheck atm, but she’ll soon be looking for work when we relocate to our next assignment. She has about $15K saved up right now.
I transferred my Post-911 GI bill to the kid to help offset the cost of college, and because Uncle Sam already so generously paid for my own education while I’ve been on active duty. It would be a waste to use the Bill for myself. Still, I’d like to set aside at least enough to match it or fill the gap up to a Doctorate (just in case the kid wants to pursue that level of education- no pressure lol). The GI Bill should cover a substantial part of the first 3 years, beginning sometime around the year 2030, but I could potentially be paying as much as half of the cost of a 4-year degree, and likely most of any education beyond that. Student loans aren’t all bad, but if I can put my kid through college without having to take out a loan, that would be fantastic.
So here’s where my finances sit right now:
I’ve calculated my compensations for the next year, and a conservative post-taxes estimate is that I’ll bring home about $50K. I don’t expect that figure to change whole lot over the next 4 years at least. I’m sure my wife will find gainful employment again after we move, but I don’t have enough information to forecast what her earnings will be, so I’ll simply leave it out for now.
I’ve done a lot of research into the cost of living at our next assignment, and I keep pretty solid records of spending. Based on our current expenses, and a conservative adjustment accounting fo the location change. I expect to reliably save an average of $1,800 per month out of my paycheck. That’s about a 40% decrease in annual savings compared to the last 2 years, during which time I received some special pay and a bonus.
My family budget plan for 2018 allows for about $29K in expenses total, which sounds tight for 2 adults and a child (and it is tight), but I also know it’s easily doable. I’ll adjust that target as we settle into the new place over the next several months, and go from there.
Whatever the wife is able to earn after we move, can go straight to the bottom line. I hesitate to forecast my capital gains from investments based on past performance, because it really has been an exceptional few years. Besides, I have yet to ever withdraw from my brokerage account. All dividends and gains from closing positions has gone right back into the pot.
Investments:
I have $46K in my brokerage account. Roughly 50/50 cash and stocks (individual stocks and ETFs/ETNs etc). Here’s my current portfolio if anyone cares: MO, AAPL, WFC, AMD, BND, IAU, WMT, ARNC, SPY, XIV- roughly equal parts for all of those. They’re a mixture of speculative short-term and div-yielding long-term holds. The half I have sitting in cash is so I can quickly sell calls/average-down/BTFD whenever the next market correction/crash/recession comes. I’m adding about $1K/month to this account via automatic deposit, which I typically split between cost-price-averaging into my longs, and into my cash reserve. I balance my holdings mostly by adding to underperforming positions when I expect a rebound, and not by selling stock unless I’ve held the shares for more than a year. I also try to keep my cash balance roughly equal to the market value of my stocks for the reasons mentioned above (and so I can act if I see an opportunity for a nice swing trade).
I have a little over $20K in an interest-earning checking/debit account. This is where the majority of my paycheck lands, and it’s where the majority of my bills come out.
I have $15K in USD hard cash. That’s more than I need, to be sure. It’s mostly leftovers from when I sold one car and bought another. I’ll eventually deposit it into a bank I suppose lol.
I also have $11K in another checking account which I feed through a credit card, paying the balance off monthly. I’ve been using the credit card to buy gas and pay for other travel expenses. I don’t need a cc to do that, but it’s an easy way to build up my credit score and it helps whenever I need to rent a car or something.
Then there’s the $6K sitting in a credit union Roth IRA I opened and sort of forgot about. It barely earns interest at all and I can’t for the life of me figure out how to use it.
I own exactly 1 BTC I bought on a whim this summer. It’s hard for me to watch, because it moves around so much in value. Worth about $4.5K today. Other assets I can think of off the top of my head:
~ $4K in physical gold/silver. I guess it’s my hedge against society collapse or whatever lol. I have one of those 50g combi-bars that can be broken into smaller ingots and then a bunch of 1oz silver coins.
~ $2K in various foreign currencies, mostly Sterling. This was left over from when I spent some time in the UK pre-brexit vote. I’m sort of bag-holding it until I can exchange it back to USD for less of a loss.
On top of that, I have exactly zero debt. If I were forced to liquidate all of my assets not mentioned above, I’m confident I could come up with another ~ $40K (That’s if you figure a >50% emergency sale depreciation... I have 4 cars, 3 of which would be considered collector’s items and about another $15K in Snap-on tools + all the other random shit I own)
I realize my money allocations don’t make a lot of sense right now, but I’m an aggressive saver and the cash tends to pile up quickly. That’s a nice problem to have I guess.
One concern I have, is seeing my un-invested money take a big hit from inflation. I’m also a little worried about my bullish stock portfolio, but my plan is to build/hold it for another 15 years or so, and then slowly increase my exposure to bonds as I get into my 40s and 50s. Assuming I can stick to my long-term investing strategy, I’m hoping to be able to ride out any major correction or recession.
A major goal of mine is to buy a house. Thanks to the military lifestyle living overseas and frequent relocations though, I haven’t really been in a position to do so. Soon I’ll be moving to a stateside base, but looking at the housing market there, I’m frankly scared to buy right now. Houses in the local area have nearly doubled in just a few years, and I’d rather not spend the next 2 decades upside down in a mortgage if things suddenly take a turn for the worse. The valuations just don’t make sense to me compared with the rental market, and I suspect many of the land owners are deeply indebted in a market that feels pretty hot imo.
So there you have it. My personal finances in a nutshell. Not that I’m in financial trouble or anything, but I would love to hear any suggestions or pointers you smarties might have to offer.
I suppose some specific questions might include:
To recap my holdings:
Any/all ideas and criticisms are welcome.
Thanks for reading!
submitted by yet_another_throwy to personalfinance [link] [comments]

1000 USD FOREX BONUS Welcome bouns no deposit 1000$ instaforex Forex $35 Free Bonus - Profit Withdrable GrandCapital $500 welcome bonus Trade Forex (NFP) LIVE with me: $5.3k to $20.4k in 15 ... No Deposit Bonus Forex ! $500 No Deposit Bonus ! Instant Forex bonus MultiBank Group 20% Deposit Bonus Campaign - YouTube No deposit Bonus In Forex  Review Of Welcome Without Deposit Bonus In Urdu and Hindi by tani forex Best Forex Bonus-100% Welcome Bonus Deposit Forex Bonus - HotForex

$20 No-Deposit Bonus from Forex-Metal. Broker: Forex-Metal Other Forex-Metal bonuses (-1) ... a Forex bonus of $20 is granted to your trading account. During the next 2 weeks you make 115 trades with the total resulting volume of 1.43 standard lots and the end profit of $112.45. As you've met the profit withdrawal conditions, you are eligible to withdraw your profit ($112.45) or to deposit at ... Forex Metal $20 Welcome Bonus. Its the first Forex bonus for August 2011 , and also Ramadan :) Forex Metal is giving away $20 as free Forex bonus to all the new clients, start now by opening account from here and verify your account by your personal documents and you will get your bonus as soon as its verified. Forex REWARD bonuses 2020 - newest rewards and specials from Forex brokers. Best Rewards 2020 from Forex brokers worldwide - you don't want to miss them! Forex metal is a good broker. what some of us have to master is how to make room for slippage. Anytime I see 100 pips trading opportunity, I usually go for 80 and leave 20 and I am less worried on slippage problem. Forex No Deposit Bonus in 2020, All Latest NO DEPOSIT Bonuses List of Forex Brokers, UPDATED DAILY. No deposit bonus Forex Free. Profits can be withdrawn. Obtain a fantastic provide 1KG Precious metal club Giveaway Competition upon NBHM. July 16, 2020 11:49 am. 15% WELCOME BONUS UP TO $500 June 21, 2020 12:24 pm. GET $30 WELCOME BONUS ON TICKMILL FOR TRADE June 20, 2020 9:35 pm. FREE $100 TO TRADE WITH FBS June 20, 2020 9:13 pm. Get Free $35 Forex No Deposit Trading Bonus on FortFS June 14, 2020 4:28 pm. Interact with Gold Buying and selling ... Fixed Welcome Bonus from Corsa Capital Dealing center Corsa Capital offers its customers a matchless opportunity to receive the Fixed Welcome Bonus on their trading account. Every client of Corsa Capital has the right to get the Fixed Welcome Bonus worth $100. Taking advantage of the Fixed Welcome Bonus from Corsa Capital, everyone can start trading on the international Forex market with no ... Risk Warning: Forex and CFD trading involves significant risk to your invested capital. Please read and ensure you fully understand our Risk Disclosure. Restricted regions: Trading Point of Financial Instruments Limited does not provide investment and ancillary services in the territories of third countries. This website uses cookies . By clicking “Continue”, you agree to the default ... Information Link: $35 Forex No Deposit Bonus. Learn how to get the following $35 Desired Added bonus: Amenable business relationship by using FortFS. Really need to Check your special information and facts while in the shopper zone. Go on to ‘Welcome Bonus’ Sections. Withdraw A Bonus after entire 20 Quite a lot Turnover. Promotion Conclusion Particular date: Limited-Time. Useful To get ... $100 New Customer Forex Bonus. Joining Link: Get a bonus. Ending Date: Limited Time. Offer is Applicable: New clients only. How to Apply: Register an account; Confirm your email and phone number. Get $100 bonus for 7-days; Bonus Cash Out: Need to make a deposit of 20 USD to withdraw all profits; More Details – $100 TeleTrade Bonus. Our bonus is tradable and you can trade 50 currency pairs ...

[index] [24377] [24811] [1882] [26901] [4894] [1309] [29060] [19898] [24371] [5661]

1000 USD FOREX BONUS

In this video, I talk about a forex broker giving you $35 no deposit bonus. You can withdraw the profit gained from the bonus after meeting some conditions. I've explained the conditions and my ... 📈 Trade Forex (NFP) LIVE with me: $5.3k to $20.4k in 15 minutes: Instagram @arsalanthegreat ... 500$ No Deposit Bonus ! Insta Forex Welcome Bonus Review Tupi Drama Fake only abdulrauf Tips 2018 ... Get It Now : https://goo.gl/sBfEPo New! No deposit bonus is more than offered by other brokers $500 bonus on real account – so you can try more. No deposit, withdrawable profit. It’s the best ... there are lot of welcome bonus I will bring it to just subscribe here and good free robot for only who have an account no. , give me your account no. step by step to take your 230$ profit https ... Get a 20% deposit bonus up to $40,000. Trade Forex, shares and metals with up to 500:1 leverage & tight spreads. Open a live trading account now. MultiBank G... What is benefits and losses of No Deposit bonus Slots in forex and binary option. i think this is fraud 123$ , 100$ , 500$ , 1000$ , 200$ and 10000$ Bonus. In This video Review in hindi and urdu ... Форекс Бонус-100 % Приветственный Бонус Forex Bonus-100 % Bonus di Benvenuto 100 % Welcome Bonus ..get 100 % forex welcome bonus on your deposit !! ..получит... This video will show you how to open an account, and accept the $500 welcome bonus. TRADE NFP WITH CAUTION! Experience the thrills of trading NFP live with some risky lots as we turn $5.3k to $20.4k within just 15 minutes! Yes, obviously a l... A Little Bit More Advanced Charting Connie Hill 5-18-20 Getting Started with thinkorswim Trader Talks Webcasts from TD Ameritrade 111 watching Live now TOP 7 forex brokers no deposit bonus ...

http://binary-optiontrade.visuppberheu.tk