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The ING thing sounds good but do I need anything to pre-qualify, and how easy is it, is it just a sign up, provide your information and I can transfer the money in there from my bank account? And do I get 5% interest a month, or 5% a year?
I also have about a hundred dollars coming to me each month from my parents so I was wondering what I should do with that? should I just put it in the ING, or buy some stock with it? If I want to buy stock, how much should I save up before I starting buying? I was looking to buy a railroad stock like Union Pacific about a year and a half ago, and I was a fool for not doing so because the stock has done very well this year and I read that Warren Buffett picked railroad stocks as well. What are some cheap stocks that I could invest in that would give me a steady return over the long run; I don't really want to strike it rich but instead want it for the future.
I also wanted to apply for a credit card but I was rejected and I don't really know why but I think it is because I did not have that much money in my bank, or because I used to spend almost every cent I had in my bank except for like 20 dollars. How can I build credit? By writing checks instead of swiping my debit?
Lastly, I just switched my major from Human Physiology to Accounting. I started out wanting to be a doctor but after all the chem classes I took this year, I really do not want to continue with that. I was wondering, for those who have majored accounting or finance, what they have done with it and what would be some great tips on things like the classes they took and recommend, the jobs they held and at what company, and basically what I should do to prepare myself to be the most successful. My goal is to work for a company like Nike, or be a vice president or top executive and I basically will do anything, read any book it takes. I don't want to sound like an idiot but I am pretty smart and I work hard so I don't mind having to do a lot of things so please let me know what has helped you.
Thanks and sorry for the long post.
and the APR is 4.5% annual (for the year) and yes you can transfer the money in there from your bank account.
If youre not that knowledgable about stocks I would just save your money for now and gain more knowledge about stocks.
Since you were rejected for a credit card you can request a free credit report for you to see your credit score and credit summary. This should give you more detail on how your credit is looking.
If your goal is to work for Nike and be a top executive accounting is a good look. You should look into becoming an auditor and you will be able to learn more about how companies are ran. If you get a job with one of the big accounting firms that will look great on your resume and enhance your quest to work in Nike.
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