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 do it
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<p><a href="https://corbinalexanderwealthguidance.tumblr.com/post/173631157384/corbin-alexander-weallth-guidance-posted" class="tumblr_blog">corbinalexanderwealthguidance</a>:</p><blockquote>
<p><b>CORBIN ALEXANDER WEALLTH
GUIDANCE:  </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH – </b>POST #1 IN MY SERIES<b></b></p>
<p><b>BUDGETING:</b></p>
<p>50/30/20/RULE:</p>
<p>For the person already living life, this is an essential
rule of thumb:</p>
<p>-         
50% to <b>Needs</b>:  utilities, rent, food, car insurance (<b>never buy a car on credit/payments and be </b> <b>required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck</b>),
gas, <b>clothes allowance</b>, etc.  Essentials needed to live!</p>
<p>-         
20% to <b>Savings
&amp; Investment</b>:   used to pay bank
loans/student loans, monthly deposits into a retirement account and an investment
account, credit card payments (pay off the entire balance each month and not
just the minimum payment to avoid paying interest on interest = that’s what
eats you alive causing you to <b>NEVER</b>
pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the
like…..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end – if you ever get to the end of the payments!</p>
<p>-         
30% to <b>Wants</b>:  vacations (limit one per year – do day trips
for the other week taken on paid vacation benefits) and future “Wants” such as
saving for a house:  if you need the
monies in less than 5 years, then bank it – if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to “<b>Wants</b>”.</p>
<p>Two methods to keep you on track:</p>
<p> -         
The spread sheet method:  this is where you track your budget in MS
Excel.</p>
<p> -    The envelope method:  this is where you assign envelopes labeled by
each expense.   </p>
<p><b>EMERGECY FUND:  </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay “<b>all</b>” your monthly bills in the event of
a job lose or an illness:  you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation.  </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b> </b></p>
<p><b>SAVINGS &amp; INVESTMENT:   </b></p>
<p>-         
Start saving for an emergency fund first.</p>
<p>-         
<b>Do not</b>
use the Overdraft protection feature on your bank debit card = avoid getting
into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-         
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that I’ll outline at a later date…<b>stay tuned</b>!</p>
<p>-         
Start investing in my ”<b>ALL PURPOSE</b>” Model Mutual Fund Portfolio: starting in your mid-50’s/early
60’s.</p>
<p>-         
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b> </b>-         
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender.   And do not forget to
get a small personal loan ($1,000.00 minimum) at a <b>local bank</b> using a co-signer to qualify for the loan.</p>
<p> As you <b>SLOWLY</b>
establish a credit history; apply for a no-fee/low credit limit card through <b>Discover.com</b> and/or <b>Capital One.com.</b></p>
<p><b> </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? –
CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b> </b></p>
<p>-         
Earn interest in an interest-bearing savings or
CD account:</p>
<p>               Not all
banks are created equal; which is why most are banking wrong:   </p>
<p>               <b>BANK
OF AMERICA</b>:  This is a “fee city”
bank.  You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>:  This is a bank with convoluted
morals.  Good luck banking in this
environment; more horseshit then you can shake a stick
at!  </p>
<p> -   If your balance falls below $100.00 at TD at any
given time during the month; they hit you with a $15.00 low balance fee
($180.00 a year!).</p>
<p><b>You
are better off going to a local bank or a federal credit union for your banking
needs.</b></p>
<p>BE ON THE LOOKOUT
FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!</p>
</blockquote>

corbinalexanderwealthguidance:

CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018

STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES

BUDGETING:

50/30/20/RULE:

For the person already living life, this is an essential rule of thumb:

-          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live!

-          20% to Savings & Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!

-          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”.

Two methods to keep you on track:

 -          The spread sheet method:  this is where you track your budget in MS Excel.

 -    The envelope method:  this is where you assign envelopes labeled by each expense.  

EMERGECY FUND:  

This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.  

Establish this fund FIRST before all other suggestions are followed.

 

SAVINGS & INVESTMENT:  

-          Start saving for an emergency fund first.

-          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance.

-          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned!

-          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s.

-          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date!

CREDIT CARDS/BANKING MANAGEMENT:

 -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.

 As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.

 

HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.

 

-          Earn interest in an interest-bearing savings or CD account:

              Not all banks are created equal; which is why most are banking wrong:  

              BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached

TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!  

 -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!).

You are better off going to a local bank or a federal credit union for your banking needs.

BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!

Alive
Alive
America
America
anaconda
anaconda
Clothes
Clothes
College
College
Food
Food
Future
Future
Honda
Honda
Life
Life
Run
Run
Taken
Taken
tumblr
tumblr
Toyota
Toyota
Ally
Ally
Bank
Bank
Bank of America
Bank of America
Bankruptcy
Bankruptcy
Banks
Banks
Best
Best
Blog
Blog
Budget
Budget
Capital
Capital
Capital One
Capital One
Credit Cards
Credit Cards
Date
Date
Discover
Discover
Excel
Excel
Good
Good
History
History
House
House
Live
Live
Loans
Loans
Lookout
Lookout
Scratch
Scratch
Student Loans
Student Loans
Stuff
Stuff
Time
Time
Vacation
Vacation
Old
Old
Outrageous
Outrageous
Banking
Banking
Living
Living
Luck
Luck
Never
Never
Be Careful
Be Careful
Bills
Bills
kia
kia
personal
personal
td bank
td bank
rent
rent
job
job
car
car
working
working
invest
invest
insurance
insurance
credit card
credit card
com
com
etf
etf
next
next
credit union
credit union
local
local
class
class
student
student
federal credit union
federal credit union
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essentials
stick
stick
can
can
list
list
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alexander
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one
rent a center
rent a center
union
union
car insurance
car insurance
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down
emergency
emergency
mutual fund
mutual fund
account
account
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fingerhut
investing
investing
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city
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etc
etc
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the event
name
name
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model
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balance
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ms excel
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personal loan
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dip
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below
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months
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spread
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drowning
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fee
bank loans
bank loans
loan
loan
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lose
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use
href
href
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event
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environment
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can do it TO DO LIST <p><a href=httpscorbinalexanderwealthguidancetumblrcompost173631157384corbin-alexander-weallth-guidance-posted class=tumblr_blog>corbinalexanderwealthguidance<a><p><blockquote> <p><b>CORBIN ALEXANDER WEALLTH GUIDANCE <b>POSTED 05062018<b><b><p> <p><b>STARTING OUT FROM SCRATCH – <b>POST #1 IN MY SERIES<b><b><p> <p><b>BUDGETING<b><p> <p>503020RULE<p> <p>For the person already living life this is an essential rule of thumb<p> <p>- 50% to <b>Needs<b> utilities rent food car insurance <b>never buy a car on creditpayments and be <b> <b>required to pay collision coverage only buy a used 3-8 years old HondaKiaToyota for the best valuebang for your buck<b> gas <b>clothes allowance<b> etc Essentials needed to live!<p> <p>- 20% to <b>Savings &amp Investment<b> used to pay bank loansstudent loans monthly deposits into a retirement account and an investment account credit card payments pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to <b>NEVER<b> pay off the balances and never buy stuff from FingerhutRent-A-Center or the like…the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!<p> <p>- 30% to <b>Wants<b> vacations limit one per year – do day trips for the other week taken on paid vacation benefits and future “Wants” such as saving for a house if you need the monies in less than 5 years then bank it – if you need the monies in over 8 years then invest it that is the industry rule of thumb when it comes to “<b>Wants<b>”<p> <p>Two methods to keep you on track<p> <p> - The spread sheet method this is where you track your budget in MS Excel<p> <p> - The envelope method this is where you assign envelopes labeled by each expense <p> <p><b>EMERGECY FUND <b><p> <p>This where you have a bank savings account holding a minimum of six months of expenses to pay “<b>all<b>” your monthly bills in the event of a job lose or an illness you are <b>NEVER<b> to dip into this unless you are in a dire straight situation <p> <p><b>Establish this fund FIRST before all other suggestions are followed<b><p> <p><b> <b><p> <p><b>SAVINGS &amp INVESTMENT <b><p> <p>- Start saving for an emergency fund first<p> <p>- <b>Do not<b> use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again! But do have it on the account – in the event of an emergency = like your car breaks down etc and avoid using a credit card and carry a balance<p> <p>- Start an investment account at Allycominvest and invest in my Model ETF Portfolio that I’ll outline at a later date…<b>stay tuned<b>!<p> <p>- Start investing in my ”<b>ALL PURPOSE<b>” Model Mutual Fund Portfolio starting in your mid-50’searly 60’s<p> <p>- Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s exact allocation percentages to also be revealed at a later date!<p> <p><b>CREDIT CARDSBANKING MANAGEMENT<b><p> <p><b> <b>- Establish a credit history at 18 years old before working a full-time 9-5 or going to college now is the time to obtain a pre-paid debt card through <b>Capital Onecom<b> or a similar lender And do not forget to get a small personal loan $100000 minimum at a <b>local bank<b> using a co-signer to qualify for the loan<p> <p> As you <b>SLOWLY<b> establish a credit history apply for a no-feelow credit limit card through <b>Discovercom<b> andor <b>Capital Onecom<b><p> <p><b> <b><p> <p><b>HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL DON’T SCREW UP AGAIN LIKE THE LAST TIME<b><p> <p><b> <b><p> <p>- Earn interest in an interest-bearing savings or CD account<p> <p> Not all banks are created equal which is why most are banking wrong <p> <p> <b>BANK OF AMERICA<b> This is a “fee city” bank You name it they have a fee attached<p> <p><b>TD BANK<b> This is a bank with convoluted morals Good luck banking in this environment more horseshit then you can shake a stick at! <p> <p> - If your balance falls below $10000 at TD at any given time during the month they hit you with a $1500 low balance fee $18000 a year!<p> <p><b>You are better off going to a local bank or a federal credit union for your banking needs<b><p> <p>BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 632018!<p> <blockquote> Meme

found @ 36 likes ON 2018-05-25 20:54:21 BY ME.ME

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