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        I miss Dead Space: FPS Players: This HUD sucks. It blocks my view.
 MMO Players:
 Group 3
 Lasttegame
 eurrs
 Trial of the Crusader
 Peariswallow
 M6pd Presgnce
 Concentrationura
 Devotion Aura
 Ebon Champion
 Fel Intelligence V
 Fire Resistance VI
 Fire Resistance Aura V
 Herofc nce
 Lender of the Pae
 n prng Vill
 Moonin Aura
 Retribution Aura Vi
 Stonestn
 Strength of Earth VII
 Totem ofrath
 Tree of Life
 Windfury Totem
 Wrath of Air Totem
 Gift of the Wild IV
 lask of Lndiless Rage 56:33
 Prayer of Spint Ill
 Prayer of fortitude IV 55:4S
 Well F
 Greate ther Portal CD
 Greate Infernal Eruptidn CD
 aresali
 80
 20 39977/39977 100%
 85/100 as
 18.0M/20.2M 89 %
 4258/4258
 25791/25791 100 %
 00%
 29%
 Bos
 28/130
 28
 Demon
 ADility is not readly yet.
 Ability is rioteady yet.
 Abjlity is not ready ye
 Apackanu
 80
 rey
 899
 FO53
 30791/30791 100 %
 63
 63/100
 (Killing Machine)
 Frost Presence ready!]
 898
 919
 27157/27157 100 %
 26/100
 58:05
 26
 55 44
 Peariswauow
 46.0
 Jemantng
 I:50
 Zi Chtir ef
 Pet 208
 creates a Nether Potal
 23650/23650 100%
 The Apocaleir
 T:16
 19824/24786 79 %
 Lord Jaraxxus
 Legion Flame CD
 10.7
 4Z0306biterate)
 2721 (4dor fretit02 resisted)
 4617(Frost Strike) (379 resiste
 2730(Frost Strike) resisted)ook
 t985lawTh
 Ret 498 174(Clancing)
 Pet 4433
 Pet 484
 Miss (292) n3
 bi9:31
 508
 SO26784/26784 100%
 1/100
 Mky Cham
 r he Dead Gheula
 atsMinlne
 e of tre Nap anuse
 Co Biiu
 31
 Graup 4
 Graup 5
 DayeooX
 SaaditlusX
 171.6k [100 %]
 5715
 Lroo
 A738
 100%
 00
 100
 o0s
 atrpt
 aly
 [78 % )
 1[75 % )
 12U.170 %
 118.4k [68 %
 109.7k [63%]
 56.5k 132 %]
 Slayerckmy
 Antema v
 Corvan
 Omue
 kyu
 7
 00% o0%
 Auroralaity Lanierzlok 7Ftost. (2
 100%
 100
 ou, 2
 5560
 Zhulllan
 Bravex
 ha ne
 T00 100%
 100%
 100%
 100%
 Apackanuts
 3606
 MorionaX Redingle
 Fx.
 2524
 Anthlimas
 Rithum Lod
 llostthegame
 Viale
 Zor Frost) (I resisted)
 89 100 OOR o0% o0
 Kraydos 8hetanxstthouettes
 T00%
 for 306
 Edas
 DPS
 Kdeptรผla
 1.Apackanuts
 00% 1op% o0% op To0 laraxxus 89
 Tor 216 Physical.
 02 Army of the Dead Ghoul's melee swing hits Lord Jaraxxus
 for 208 Physical.
 10881.1
 TO0%
 100
 18033791/20220250] 125791/257911
 2 Brayex
 7256.2
 424258
 3. Mkyu
 7051.2
 4. Corvan
 6853.1
 Lord Jaraxxus
 2 Demon Paladin Comba Boss
 10
 6131.8
 5. Vlaie
 19:01 Kdeptula:80] says: interrupt used
 19:02 <Lord Jaraxxus Legion Flame on Omile
 19:02] <Lord Jaraxxus Nether Power on Jaraxxus! Dispel Now!
 19:021 Shoxane hes Incinerate Flesh! Heal her!
 119:02| Lard Jaraxxus yells: FLESH FROM BONE!
 19:02 Kdeptula:80] says: interrupt used
 19:02 Lord Jaraxxus creates a Nether Portal!
 19:02 Lard Jaraxxus yells: Come forth, sister! Your master calls!
 19:02 Kdeptula:80] says: interrupt used
 6. Sihouettes
 7. Ulostthegame
 5919.2
 57S7.0
 8. Slayerckm
 5569.2
 Pearlswallow
 100%
 9. Aurorafaith
 5069.2
 10. Davcook
 4621.8
 Deathweave Bag (F9)
 sno
 Soulbound
 12 Slot Bag
 ItemLevel: 35
 pulli OGM MOA TRIF...
 4
 56
 MOunt
 (8)
I miss Dead Space
        

            
            

                
                
                    I miss Dead Space: FPS Players: This HUD sucks. It blocks my view.
 MMO Players:
 Group 3
 Lasttegame
 eurrs
 Trial of the Crusader
 Peariswallow
 M6pd Presgnce
 Concentrationura
 Devotion Aura
 Ebon Champion
 Fel Intelligence V
 Fire Resistance VI
 Fire Resistance Aura V
 Herofc nce
 Lender of the Pae
 n prng Vill
 Moonin Aura
 Retribution Aura Vi
 Stonestn
 Strength of Earth VII
 Totem ofrath
 Tree of Life
 Windfury Totem
 Wrath of Air Totem
 Gift of the Wild IV
 lask of Lndiless Rage 56:33
 Prayer of Spint Ill
 Prayer of fortitude IV 55:4S
 Well F
 Greate ther Portal CD
 Greate Infernal Eruptidn CD
 aresali
 80
 20 39977/39977 100%
 85/100 as
 18.0M/20.2M 89 %
 4258/4258
 25791/25791 100 %
 00%
 29%
 Bos
 28/130
 28
 Demon
 ADility is not readly yet.
 Ability is rioteady yet.
 Abjlity is not ready ye
 Apackanu
 80
 rey
 899
 FO53
 30791/30791 100 %
 63
 63/100
 (Killing Machine)
 Frost Presence ready!]
 898
 919
 27157/27157 100 %
 26/100
 58:05
 26
 55 44
 Peariswauow
 46.0
 Jemantng
 I:50
 Zi Chtir ef
 Pet 208
 creates a Nether Potal
 23650/23650 100%
 The Apocaleir
 T:16
 19824/24786 79 %
 Lord Jaraxxus
 Legion Flame CD
 10.7
 4Z0306biterate)
 2721 (4dor fretit02 resisted)
 4617(Frost Strike) (379 resiste
 2730(Frost Strike) resisted)ook
 t985lawTh
 Ret 498 174(Clancing)
 Pet 4433
 Pet 484
 Miss (292) n3
 bi9:31
 508
 SO26784/26784 100%
 1/100
 Mky Cham
 r he Dead Gheula
 atsMinlne
 e of tre Nap anuse
 Co Biiu
 31
 Graup 4
 Graup 5
 DayeooX
 SaaditlusX
 171.6k [100 %]
 5715
 Lroo
 A738
 100%
 00
 100
 o0s
 atrpt
 aly
 [78 % )
 1[75 % )
 12U.170 %
 118.4k [68 %
 109.7k [63%]
 56.5k 132 %]
 Slayerckmy
 Antema v
 Corvan
 Omue
 kyu
 7
 00% o0%
 Auroralaity Lanierzlok 7Ftost. (2
 100%
 100
 ou, 2
 5560
 Zhulllan
 Bravex
 ha ne
 T00 100%
 100%
 100%
 100%
 Apackanuts
 3606
 MorionaX Redingle
 Fx.
 2524
 Anthlimas
 Rithum Lod
 llostthegame
 Viale
 Zor Frost) (I resisted)
 89 100 OOR o0% o0
 Kraydos 8hetanxstthouettes
 T00%
 for 306
 Edas
 DPS
 Kdeptรผla
 1.Apackanuts
 00% 1op% o0% op To0 laraxxus 89
 Tor 216 Physical.
 02 Army of the Dead Ghoul's melee swing hits Lord Jaraxxus
 for 208 Physical.
 10881.1
 TO0%
 100
 18033791/20220250] 125791/257911
 2 Brayex
 7256.2
 424258
 3. Mkyu
 7051.2
 4. Corvan
 6853.1
 Lord Jaraxxus
 2 Demon Paladin Comba Boss
 10
 6131.8
 5. Vlaie
 19:01 Kdeptula:80] says: interrupt used
 19:02 <Lord Jaraxxus Legion Flame on Omile
 19:02] <Lord Jaraxxus Nether Power on Jaraxxus! Dispel Now!
 19:021 Shoxane hes Incinerate Flesh! Heal her!
 119:02| Lard Jaraxxus yells: FLESH FROM BONE!
 19:02 Kdeptula:80] says: interrupt used
 19:02 Lord Jaraxxus creates a Nether Portal!
 19:02 Lard Jaraxxus yells: Come forth, sister! Your master calls!
 19:02 Kdeptula:80] says: interrupt used
 6. Sihouettes
 7. Ulostthegame
 5919.2
 57S7.0
 8. Slayerckm
 5569.2
 Pearlswallow
 100%
 9. Aurorafaith
 5069.2
 10. Davcook
 4621.8
 Deathweave Bag (F9)
 sno
 Soulbound
 12 Slot Bag
 ItemLevel: 35
 pulli OGM MOA TRIF...
 4
 56
 MOunt
 (8)
I miss Dead Space
                    
                
            

            
                
                
I miss Dead Space

                
            
            
        

    

    

        
Save

    



        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!
: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!

        

            
            

                
                
                    corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!
: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!

                    
                
            

            
            
        

    

    

        
Save

    



        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        <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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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>: can
 do it
 TO DO LIST
<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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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>
        

            
            

                
                
                    <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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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>: can
 do it
 TO DO LIST
<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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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>
                    
                
            

            
            
        

    

    

        
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        corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!
: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!

        

            
            

                
                
                    corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!
: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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!

                    
                
            

            
            
        

    

    

        
Save

    



        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            








        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        sodomymcscurvylegs:

la-rinascente:

tapatiopapi:

leplastiquedick:

dysfunctunal:

furbytheminx:

furbytheminx:

sashayshanta28:

dysfunctunal:

@racistsgettingfired @reverseracism 
y'all know the drill ๐Ÿ˜’

See this is the part of institutional racism that some ppl donโ€™t fully grasp. Look at her job titleโ€ฆ.think of all the shitty things sheโ€™s done to the other โ€œblack bitchesโ€ sheโ€™s encountered in her work.

She changed her profile to private but that doesnโ€™t mean you canโ€™t attach her tweet and @ her job ๐Ÿ˜Š

Kenneth Ferranti
Title: Branch ManagerOffice Phone: 401-595-5503Toll-free Phone: 866-803-8185Fax: 866-449-9855Email: kferranti@homepointfinancial.com
Feel free to call her boss or send him an email

^^^^ Please reblog with the information above and send a quick email with the screenshots!



#ruinwhitelives2k16

I love a happy ending




: Lisa greenwood
 @millar15
 @FLOTUS beautiful??? Seriously she is
 an ugly black bitch
 7/25/16, 10:36 PM

 Sprint LTE
 10:52 PM
 Q Lisa Greenwood
 Lisa Greenwood
 Add Friend
 Follow
 Message
 More
 Mortgage Loan Officer Assistant at Home
 Point Financial
 Home Posts Photos Friends About
 Photos
 News Feed Requests Messenger Notifications
 More

 Sprint LTE
 11:01 PM
 32 %
 FOUND THE PERFECT HOME?
 Now GET THE PERFC) LOAI
 (844) 237-2986
 HOMEPOINTFINANCIAL.COM
 NMLS# 7706
 LENDER
 HOME POINT
 FINANCIAL
 Follow
 Home Point Financial
 @HomePointLoans
 Home Point Financial is a direct mortgage lender
 that provides FHA and conventional home loans at
 industry leading rates. NMLS #7706
 nmlsconsumeraccess.org
 Ann Arbor, MI 5 homepointfinancial.com
 193 FOLLOWING
 4,840 FOLLOWERS
 Tweets
 Media
 Likes
 Home Point Financial @HomePointLoans 7h
 | IONI POINT Celebrate #CulinariansDay with one of
 FINANCIAL
 #recipes for #dinner from home cooks
 like you! bit.ly/25RKsmg (via
 @tasteofhome)
 Home Point Financial @HomePointLoans 1d
 [ION, POINT #Dubai wins bid to host World
 FINANCIAL
 Home
 Notifications Moments
 Messages
 Me
sodomymcscurvylegs:

la-rinascente:

tapatiopapi:

leplastiquedick:

dysfunctunal:

furbytheminx:

furbytheminx:

sashayshanta28:

dysfunctunal:

@racistsgettingfired @reverseracism 
y'all know the drill ๐Ÿ˜’

See this is the part of institutional racism that some ppl donโ€™t fully grasp. Look at her job titleโ€ฆ.think of all the shitty things sheโ€™s done to the other โ€œblack bitchesโ€ sheโ€™s encountered in her work.

She changed her profile to private but that doesnโ€™t mean you canโ€™t attach her tweet and @ her job ๐Ÿ˜Š

Kenneth Ferranti
Title: Branch ManagerOffice Phone: 401-595-5503Toll-free Phone: 866-803-8185Fax: 866-449-9855Email: kferranti@homepointfinancial.com
Feel free to call her boss or send him an email

^^^^ Please reblog with the information above and send a quick email with the screenshots!



#ruinwhitelives2k16

I love a happy ending





        

            
            

                
                
                    sodomymcscurvylegs:

la-rinascente:

tapatiopapi:

leplastiquedick:

dysfunctunal:

furbytheminx:

furbytheminx:

sashayshanta28:

dysfunctunal:

@racistsgettingfired @reverseracism 
y'all know the drill ๐Ÿ˜’

See this is the part of institutional racism that some ppl donโ€™t fully grasp. Look at her job titleโ€ฆ.think of all the shitty things sheโ€™s done to the other โ€œblack bitchesโ€ sheโ€™s encountered in her work.

She changed her profile to private but that doesnโ€™t mean you canโ€™t attach her tweet and @ her job ๐Ÿ˜Š

Kenneth Ferranti
Title: Branch ManagerOffice Phone: 401-595-5503Toll-free Phone: 866-803-8185Fax: 866-449-9855Email: kferranti@homepointfinancial.com
Feel free to call her boss or send him an email

^^^^ Please reblog with the information above and send a quick email with the screenshots!



#ruinwhitelives2k16

I love a happy ending




: Lisa greenwood
 @millar15
 @FLOTUS beautiful??? Seriously she is
 an ugly black bitch
 7/25/16, 10:36 PM

 Sprint LTE
 10:52 PM
 Q Lisa Greenwood
 Lisa Greenwood
 Add Friend
 Follow
 Message
 More
 Mortgage Loan Officer Assistant at Home
 Point Financial
 Home Posts Photos Friends About
 Photos
 News Feed Requests Messenger Notifications
 More

 Sprint LTE
 11:01 PM
 32 %
 FOUND THE PERFECT HOME?
 Now GET THE PERFC) LOAI
 (844) 237-2986
 HOMEPOINTFINANCIAL.COM
 NMLS# 7706
 LENDER
 HOME POINT
 FINANCIAL
 Follow
 Home Point Financial
 @HomePointLoans
 Home Point Financial is a direct mortgage lender
 that provides FHA and conventional home loans at
 industry leading rates. NMLS #7706
 nmlsconsumeraccess.org
 Ann Arbor, MI 5 homepointfinancial.com
 193 FOLLOWING
 4,840 FOLLOWERS
 Tweets
 Media
 Likes
 Home Point Financial @HomePointLoans 7h
 | IONI POINT Celebrate #CulinariansDay with one of
 FINANCIAL
 #recipes for #dinner from home cooks
 like you! bit.ly/25RKsmg (via
 @tasteofhome)
 Home Point Financial @HomePointLoans 1d
 [ION, POINT #Dubai wins bid to host World
 FINANCIAL
 Home
 Notifications Moments
 Messages
 Me
sodomymcscurvylegs:

la-rinascente:

tapatiopapi:

leplastiquedick:

dysfunctunal:

furbytheminx:

furbytheminx:

sashayshanta28:

dysfunctunal:

@racistsgettingfired @reverseracism 
y'all know the drill ๐Ÿ˜’

See this is the part of institutional racism that some ppl donโ€™t fully grasp. Look at her job titleโ€ฆ.think of all the shitty things sheโ€™s done to the other โ€œblack bitchesโ€ sheโ€™s encountered in her work.

She changed her profile to private but that doesnโ€™t mean you canโ€™t attach her tweet and @ her job ๐Ÿ˜Š

Kenneth Ferranti
Title: Branch ManagerOffice Phone: 401-595-5503Toll-free Phone: 866-803-8185Fax: 866-449-9855Email: kferranti@homepointfinancial.com
Feel free to call her boss or send him an email

^^^^ Please reblog with the information above and send a quick email with the screenshots!



#ruinwhitelives2k16

I love a happy ending





                    
                
            

            
            
        

    

    

        
Save

    



        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt

: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt


        

            
            

                
                
                    lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt

: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt


                    
                
            

            
                
                
lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt



                
            
            
        

    

    

        
Save

    



        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



        

            
            

                
                
                    frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



                    
                
            

            
                
                
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt




                
            
            
        

    

    

        
Save

    



        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



        

            
            

                
                
                    frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



                    
                
            

            
                
                
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt




                
            
            
        

    

    

        
Save

    



        

    

    
    

        

            









    

        
        
        
        
        
        
        
    

    

        frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



        

            
            

                
                
                    frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt


: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt



                    
                
            

            
                
                
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt




                
            
            
        

    

    

        
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        โ€œI have nothing to playโ€ Suggestions?omg-humor.tumblr.com: AGE
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 THE STANLEY NRABLE
 Spcfom
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 Retro clanic reborn
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 RAINBEW SIX
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                    โ€œI have nothing to playโ€ Suggestions?omg-humor.tumblr.com: AGE
 MYTIOLOGY
 ALAN
 WAKE
 7DEYSTO DIE
 รnnesia.
 TNTMARE
 DOYZ
 Anresia
 ARMA
 ANN
 2070
 SLEEP
 NCHAMBER
 ARMA
 Banished
 MATTIETEO
 Beatbuddy
 BIOSHICN
 FBESIOUE
 BRAID
 BORDERLANDS
 LEESJORM
 CALL-DUTY
 BULLY
 CALL-DUTY
 CALL-DUTY
 CALL-DUTY
 BETA
 CALL-DUTY
 Cau UTY
 CALL-DUTY
 CALL DUTY
 CALL-DUTY
 BLADKOR
 MULTIRCAVER
 ALi-nea
 ZOMBIES
 Chips
 Challenge
 CรLL-DUT
 CALL-DUTY
 MAPERN WART
 MAPERKARFAN
 Chip's0
 Challenge
 CITIES - MOTON
 CINP-ER
 CHIVALRY
 COMPANTranrs
 CATARICN
 เฆเคจ
 MYZ
 DARK SOULS
 daruihla
 DEADLIGHT
 DFAISING
 DEMOCRACY E
 DIRT
 DIRTS
 OUS EX
 GHOWOOWN
 DEFCOM
 DOOM
 DOTA 2
 70
 DYING
 Dust
 FEAC
 FABLE
 FEAR2
 FEAR
 FEAR
 Fallsul
 FARCRY2
 Fallout 3
 FARCRY
 FARCRY
 PEZ
 FINAL
 pooM
 FOREST
 DOOM
 Nighn
 gund
 end
 thers
 FTL
 Kirulatr
 Gua
 aute
 parry's mod
 and
 Chere
 GUNPOINT
 hars
 ers
 GUARDIANS
 MOXER EVOLITN
 DUALITY
 HAL?
 rll
 FALL FAAIA
 INJUSTICI
 HITMAN
 WILTMAN
 HORIZON
 HITMAN
 INSURGENCY
 KINETIG
 VOID
 UP4 DEAD
 LA. NOIRE
 ScuSE
 CAUSE
 LIMB0
 JECINO
 Litite ferno
 THE LONG
 WRLDS
 NINIA
 MAR PAYNE
 METRO
 Sloutstor
 MEDAL OE
 HONOR
 MEDAL OF
 HONOR
 MAX PAYNE
 MURTAL KUMBAT
 MINECRAFT
 ODE NOCToe
 MONACO
 rumnnemen
 otiwinia
 OMERTA
 OCTODAD
 FLASHECIT
 FAPERL
 OrthioND
 PLEASE
 OUTLAST
 PRION
 T UTLALUA
 CAINILLER
 PORIAL 2
 Paouene
 PORTAL
 MoSnas
 RTIMAT
 PAYDAY
 TOTYPE
 AROHNSO
 POSTAL
 ProtoH
 TEAM ARENA
 CRUNING
 NED FACT
 RISK Dr AIN
 REMEGADE Ce
 ROME
 BAINTR ROWw
 RYSE
 SWINTSF
 ESins R
 SIMS
 THE
 SICRET
 WORLD
 EBELLIONE
 SKysaraper
 FSimutator
 SNIPER ELITE
 SNIPER ELITE
 LENDER
 SKYBORN
 THE STANLEY NRABLE
 Spcfom
 THE LINE
 STARWARS
 JTAR WARS
 STARDIET
 CMMANINI
 KNIGHTS
 STARCT
 Su
 ERIROC
 STATEM
 Ta
 DECAV SUPER
 SUPREME
 HEHAGON
 Retro clanic reborn
 Sjrnyphoy
 ThreE
 TIMESU
 THEMOON
 RAINBEW SIX
 LOCKHONE
 the
 TOMB
 RAIDER
 CELL
 suniverse
 Saceun
 ROMEI
 UPLINH
 Teraars
 TE W
 D DEAD
 WARGAME WARGAME
 DEAD
 WARGAME
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        17mul:

cosmic-noir:

blackgirlshit:

dickprintbandit:

flyandfamousblackgirls:


โ€œHow A Homeless Single Mother Became A Millionaire in 18 Monthsโ€
After a separation from her husband, Elon 
Bomani and her newborn son moved into a womenโ€™s shelter. She says, โ€œI 
found myself homeless because I had given up my power. I bought into the
 idea that men were better at math than women even though I had 
graduated with two degrees. I was programmed that men are supposed to be
 the providers and handle the checkbooks.โ€
โ€œI went to the library and punched in 
millionaire and I read every single book on biographies of millionaires,
 anything dealing with money, stocks, bonds, real estate, commodities 
trading, e-business, taxes, you name it.โ€
Bomaniโ€™s first priority was to leave the 
shelter and move into her own home. Though she had $36 dollars in her 
checking account, she knew her dream could come true. With the advice of
 her father, she studied real estate guru Carleton Sheetsโ€™ โ€œno money 
down programs.โ€ She found a lender that would finance 100 percent of her
 home loan. She asked the seller to pay closing costs on the $125,000 
home and walked away from the closing with a $625 dollar check. Without a
 job, Bomani says, this was just the beginning of her journey.
โ€œI thought creatively. I rented out my room. 
By renting out one of my rooms, that gave me half the mortgage, the 
other half was her (roommate) deposit. โ€œI didnโ€™t have to pay my first 
mortgage until a month and a half later.
With a new wealth consciousness, she 
recognized the housing market was profitable at the time and then took 
equity out of her home to invest in other properties. โ€œI did speculative
 real estate investing. I went to new developments and put a down 
payment on property to hold it until it closed. The property closed 
within a year and it had already increased in excess of $100,000. So I 
invested approximately $20,000 ($5,000 on four properties) using cash 
advances from credit cards, not even my money. I walked out of the deal 
with $400,000.โ€
โ€œI accumulated over 16 pieces of real estate 
property over the course of three years. In doing so, that gave me a net
 worth of $2 million dollars and I was able to live off the positive 
cash flow of the real estate.
โ€œBeing a millionaire, itโ€™s a formula to it. If you study it and practice it, youโ€™ll become it.โ€
Today, Bomani owns and operates four companies and has a book out, titled: โ€œDynamic Diva Dollars.โ€


WOW!

Salute a Real One When You See On

๐Ÿ˜ต๐Ÿ˜ต๐Ÿ˜ต goals

๐Ÿ˜Ž inspiration


I dont mean to denigrate her experience but this is all wrong. There is no formula to success or being rich. This is false and is constantly being preached by pro-capitalists who think that the poor are simply lazy/doing the wrong thing and that the rich are culturally, morally, and cognitively superior. YES, having goals, getting an education, changing bad habits, and studying successful people can all SLIGHTLY INCREASE THE PROBABILITY of you succeeding but it is in no way formulaic in the sense that if you do X thing you will become rich. As a sedulent student of economics, the data show that most rich people are rich because there family was rich or because they got lucky. People do not like this conclusion but a lot of data support this. I would recommend reading Nasim Talebโ€™s book calledย โ€œThe Black Swanโ€ which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahnemanโ€™s masterpieceย โ€œThinking Fast and Slowโ€ which shows you in several parts of the book how Ceoโ€™s, companys, and many great figures got to where they were because sheer luck. ย Donโ€™t believe me ? Well letโ€™s look at Elon Bomani (the single mother this post is about). ย โ€œshe recognized the housing market was profitableโ€ ย  well here is a sign of luck. Sure she recognized the housing market was profitable (i doubt most people who claim they know when something is good or bad in the economy since the economy isnโ€™t the easiest thing to read but thats a subject for another time) but had the market been bad due to her being homeless during the wrong time (luck) she wouldnโ€™t have been successful or as successful. Also her finding someone who would give her credit given her homelessness ย and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I wonโ€™t cus this post is too long , but the reason why I am against this kind of rhetoric isnโ€™t because i want to silence a WOC and her experiences - itโ€™s because this kind of rhetoric is harmful and just not true because 1. most of the rich people youโ€™d study had a lot of privilege to begin with 2. most really rich people had some aspect of luck play into their lives (remember they are outliers to begin with) ย 3. telling poor people to simply glorify the rich and their habits implies many negative things that arenโ€™t true 4. capitalism is a system that depends on people to be on the bottom. even if everyone tried to do this (her method) and even if it did work (it doesnt but lets pretend it does) โ€ฆ. it would fail since you canโ€™t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on peopleโ€™s success stories but i also dont want bad information being spread around. im happy she became successful but she is one out of a million people who try to do the same and fail. Im happy for her though.ย : 17mul:

cosmic-noir:

blackgirlshit:

dickprintbandit:

flyandfamousblackgirls:


โ€œHow A Homeless Single Mother Became A Millionaire in 18 Monthsโ€
After a separation from her husband, Elon 
Bomani and her newborn son moved into a womenโ€™s shelter. She says, โ€œI 
found myself homeless because I had given up my power. I bought into the
 idea that men were better at math than women even though I had 
graduated with two degrees. I was programmed that men are supposed to be
 the providers and handle the checkbooks.โ€
โ€œI went to the library and punched in 
millionaire and I read every single book on biographies of millionaires,
 anything dealing with money, stocks, bonds, real estate, commodities 
trading, e-business, taxes, you name it.โ€
Bomaniโ€™s first priority was to leave the 
shelter and move into her own home. Though she had $36 dollars in her 
checking account, she knew her dream could come true. With the advice of
 her father, she studied real estate guru Carleton Sheetsโ€™ โ€œno money 
down programs.โ€ She found a lender that would finance 100 percent of her
 home loan. She asked the seller to pay closing costs on the $125,000 
home and walked away from the closing with a $625 dollar check. Without a
 job, Bomani says, this was just the beginning of her journey.
โ€œI thought creatively. I rented out my room. 
By renting out one of my rooms, that gave me half the mortgage, the 
other half was her (roommate) deposit. โ€œI didnโ€™t have to pay my first 
mortgage until a month and a half later.
With a new wealth consciousness, she 
recognized the housing market was profitable at the time and then took 
equity out of her home to invest in other properties. โ€œI did speculative
 real estate investing. I went to new developments and put a down 
payment on property to hold it until it closed. The property closed 
within a year and it had already increased in excess of $100,000. So I 
invested approximately $20,000 ($5,000 on four properties) using cash 
advances from credit cards, not even my money. I walked out of the deal 
with $400,000.โ€
โ€œI accumulated over 16 pieces of real estate 
property over the course of three years. In doing so, that gave me a net
 worth of $2 million dollars and I was able to live off the positive 
cash flow of the real estate.
โ€œBeing a millionaire, itโ€™s a formula to it. If you study it and practice it, youโ€™ll become it.โ€
Today, Bomani owns and operates four companies and has a book out, titled: โ€œDynamic Diva Dollars.โ€


WOW!

Salute a Real One When You See On

๐Ÿ˜ต๐Ÿ˜ต๐Ÿ˜ต goals

๐Ÿ˜Ž inspiration


I dont mean to denigrate her experience but this is all wrong. There is no formula to success or being rich. This is false and is constantly being preached by pro-capitalists who think that the poor are simply lazy/doing the wrong thing and that the rich are culturally, morally, and cognitively superior. YES, having goals, getting an education, changing bad habits, and studying successful people can all SLIGHTLY INCREASE THE PROBABILITY of you succeeding but it is in no way formulaic in the sense that if you do X thing you will become rich. As a sedulent student of economics, the data show that most rich people are rich because there family was rich or because they got lucky. People do not like this conclusion but a lot of data support this. I would recommend reading Nasim Talebโ€™s book calledย โ€œThe Black Swanโ€ which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahnemanโ€™s masterpieceย โ€œThinking Fast and Slowโ€ which shows you in several parts of the book how Ceoโ€™s, companys, and many great figures got to where they were because sheer luck. ย Donโ€™t believe me ? Well letโ€™s look at Elon Bomani (the single mother this post is about). ย โ€œshe recognized the housing market was profitableโ€ ย  well here is a sign of luck. Sure she recognized the housing market was profitable (i doubt most people who claim they know when something is good or bad in the economy since the economy isnโ€™t the easiest thing to read but thats a subject for another time) but had the market been bad due to her being homeless during the wrong time (luck) she wouldnโ€™t have been successful or as successful. Also her finding someone who would give her credit given her homelessness ย and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I wonโ€™t cus this post is too long , but the reason why I am against this kind of rhetoric isnโ€™t because i want to silence a WOC and her experiences - itโ€™s because this kind of rhetoric is harmful and just not true because 1. most of the rich people youโ€™d study had a lot of privilege to begin with 2. most really rich people had some aspect of luck play into their lives (remember they are outliers to begin with) ย 3. telling poor people to simply glorify the rich and their habits implies many negative things that arenโ€™t true 4. capitalism is a system that depends on people to be on the bottom. even if everyone tried to do this (her method) and even if it did work (it doesnt but lets pretend it does) โ€ฆ. it would fail since you canโ€™t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on peopleโ€™s success stories but i also dont want bad information being spread around. im happy she became successful but she is one out of a million people who try to do the same and fail. Im happy for her though.ย 
        

            
            

                
                
                    17mul:

cosmic-noir:

blackgirlshit:

dickprintbandit:

flyandfamousblackgirls:


โ€œHow A Homeless Single Mother Became A Millionaire in 18 Monthsโ€
After a separation from her husband, Elon 
Bomani and her newborn son moved into a womenโ€™s shelter. She says, โ€œI 
found myself homeless because I had given up my power. I bought into the
 idea that men were better at math than women even though I had 
graduated with two degrees. I was programmed that men are supposed to be
 the providers and handle the checkbooks.โ€
โ€œI went to the library and punched in 
millionaire and I read every single book on biographies of millionaires,
 anything dealing with money, stocks, bonds, real estate, commodities 
trading, e-business, taxes, you name it.โ€
Bomaniโ€™s first priority was to leave the 
shelter and move into her own home. Though she had $36 dollars in her 
checking account, she knew her dream could come true. With the advice of
 her father, she studied real estate guru Carleton Sheetsโ€™ โ€œno money 
down programs.โ€ She found a lender that would finance 100 percent of her
 home loan. She asked the seller to pay closing costs on the $125,000 
home and walked away from the closing with a $625 dollar check. Without a
 job, Bomani says, this was just the beginning of her journey.
โ€œI thought creatively. I rented out my room. 
By renting out one of my rooms, that gave me half the mortgage, the 
other half was her (roommate) deposit. โ€œI didnโ€™t have to pay my first 
mortgage until a month and a half later.
With a new wealth consciousness, she 
recognized the housing market was profitable at the time and then took 
equity out of her home to invest in other properties. โ€œI did speculative
 real estate investing. I went to new developments and put a down 
payment on property to hold it until it closed. The property closed 
within a year and it had already increased in excess of $100,000. So I 
invested approximately $20,000 ($5,000 on four properties) using cash 
advances from credit cards, not even my money. I walked out of the deal 
with $400,000.โ€
โ€œI accumulated over 16 pieces of real estate 
property over the course of three years. In doing so, that gave me a net
 worth of $2 million dollars and I was able to live off the positive 
cash flow of the real estate.
โ€œBeing a millionaire, itโ€™s a formula to it. If you study it and practice it, youโ€™ll become it.โ€
Today, Bomani owns and operates four companies and has a book out, titled: โ€œDynamic Diva Dollars.โ€


WOW!

Salute a Real One When You See On

๐Ÿ˜ต๐Ÿ˜ต๐Ÿ˜ต goals

๐Ÿ˜Ž inspiration


I dont mean to denigrate her experience but this is all wrong. There is no formula to success or being rich. This is false and is constantly being preached by pro-capitalists who think that the poor are simply lazy/doing the wrong thing and that the rich are culturally, morally, and cognitively superior. YES, having goals, getting an education, changing bad habits, and studying successful people can all SLIGHTLY INCREASE THE PROBABILITY of you succeeding but it is in no way formulaic in the sense that if you do X thing you will become rich. As a sedulent student of economics, the data show that most rich people are rich because there family was rich or because they got lucky. People do not like this conclusion but a lot of data support this. I would recommend reading Nasim Talebโ€™s book calledย โ€œThe Black Swanโ€ which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahnemanโ€™s masterpieceย โ€œThinking Fast and Slowโ€ which shows you in several parts of the book how Ceoโ€™s, companys, and many great figures got to where they were because sheer luck. ย Donโ€™t believe me ? Well letโ€™s look at Elon Bomani (the single mother this post is about). ย โ€œshe recognized the housing market was profitableโ€ ย  well here is a sign of luck. Sure she recognized the housing market was profitable (i doubt most people who claim they know when something is good or bad in the economy since the economy isnโ€™t the easiest thing to read but thats a subject for another time) but had the market been bad due to her being homeless during the wrong time (luck) she wouldnโ€™t have been successful or as successful. Also her finding someone who would give her credit given her homelessness ย and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I wonโ€™t cus this post is too long , but the reason why I am against this kind of rhetoric isnโ€™t because i want to silence a WOC and her experiences - itโ€™s because this kind of rhetoric is harmful and just not true because 1. most of the rich people youโ€™d study had a lot of privilege to begin with 2. most really rich people had some aspect of luck play into their lives (remember they are outliers to begin with) ย 3. telling poor people to simply glorify the rich and their habits implies many negative things that arenโ€™t true 4. capitalism is a system that depends on people to be on the bottom. even if everyone tried to do this (her method) and even if it did work (it doesnt but lets pretend it does) โ€ฆ. it would fail since you canโ€™t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on peopleโ€™s success stories but i also dont want bad information being spread around. im happy she became successful but she is one out of a million people who try to do the same and fail. Im happy for her though.ย : 17mul:

cosmic-noir:

blackgirlshit:

dickprintbandit:

flyandfamousblackgirls:


โ€œHow A Homeless Single Mother Became A Millionaire in 18 Monthsโ€
After a separation from her husband, Elon 
Bomani and her newborn son moved into a womenโ€™s shelter. She says, โ€œI 
found myself homeless because I had given up my power. I bought into the
 idea that men were better at math than women even though I had 
graduated with two degrees. I was programmed that men are supposed to be
 the providers and handle the checkbooks.โ€
โ€œI went to the library and punched in 
millionaire and I read every single book on biographies of millionaires,
 anything dealing with money, stocks, bonds, real estate, commodities 
trading, e-business, taxes, you name it.โ€
Bomaniโ€™s first priority was to leave the 
shelter and move into her own home. Though she had $36 dollars in her 
checking account, she knew her dream could come true. With the advice of
 her father, she studied real estate guru Carleton Sheetsโ€™ โ€œno money 
down programs.โ€ She found a lender that would finance 100 percent of her
 home loan. She asked the seller to pay closing costs on the $125,000 
home and walked away from the closing with a $625 dollar check. Without a
 job, Bomani says, this was just the beginning of her journey.
โ€œI thought creatively. I rented out my room. 
By renting out one of my rooms, that gave me half the mortgage, the 
other half was her (roommate) deposit. โ€œI didnโ€™t have to pay my first 
mortgage until a month and a half later.
With a new wealth consciousness, she 
recognized the housing market was profitable at the time and then took 
equity out of her home to invest in other properties. โ€œI did speculative
 real estate investing. I went to new developments and put a down 
payment on property to hold it until it closed. The property closed 
within a year and it had already increased in excess of $100,000. So I 
invested approximately $20,000 ($5,000 on four properties) using cash 
advances from credit cards, not even my money. I walked out of the deal 
with $400,000.โ€
โ€œI accumulated over 16 pieces of real estate 
property over the course of three years. In doing so, that gave me a net
 worth of $2 million dollars and I was able to live off the positive 
cash flow of the real estate.
โ€œBeing a millionaire, itโ€™s a formula to it. If you study it and practice it, youโ€™ll become it.โ€
Today, Bomani owns and operates four companies and has a book out, titled: โ€œDynamic Diva Dollars.โ€


WOW!

Salute a Real One When You See On

๐Ÿ˜ต๐Ÿ˜ต๐Ÿ˜ต goals

๐Ÿ˜Ž inspiration


I dont mean to denigrate her experience but this is all wrong. There is no formula to success or being rich. This is false and is constantly being preached by pro-capitalists who think that the poor are simply lazy/doing the wrong thing and that the rich are culturally, morally, and cognitively superior. YES, having goals, getting an education, changing bad habits, and studying successful people can all SLIGHTLY INCREASE THE PROBABILITY of you succeeding but it is in no way formulaic in the sense that if you do X thing you will become rich. As a sedulent student of economics, the data show that most rich people are rich because there family was rich or because they got lucky. People do not like this conclusion but a lot of data support this. I would recommend reading Nasim Talebโ€™s book calledย โ€œThe Black Swanโ€ which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahnemanโ€™s masterpieceย โ€œThinking Fast and Slowโ€ which shows you in several parts of the book how Ceoโ€™s, companys, and many great figures got to where they were because sheer luck. ย Donโ€™t believe me ? Well letโ€™s look at Elon Bomani (the single mother this post is about). ย โ€œshe recognized the housing market was profitableโ€ ย  well here is a sign of luck. Sure she recognized the housing market was profitable (i doubt most people who claim they know when something is good or bad in the economy since the economy isnโ€™t the easiest thing to read but thats a subject for another time) but had the market been bad due to her being homeless during the wrong time (luck) she wouldnโ€™t have been successful or as successful. Also her finding someone who would give her credit given her homelessness ย and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I wonโ€™t cus this post is too long , but the reason why I am against this kind of rhetoric isnโ€™t because i want to silence a WOC and her experiences - itโ€™s because this kind of rhetoric is harmful and just not true because 1. most of the rich people youโ€™d study had a lot of privilege to begin with 2. most really rich people had some aspect of luck play into their lives (remember they are outliers to begin with) ย 3. telling poor people to simply glorify the rich and their habits implies many negative things that arenโ€™t true 4. capitalism is a system that depends on people to be on the bottom. even if everyone tried to do this (her method) and even if it did work (it doesnt but lets pretend it does) โ€ฆ. it would fail since you canโ€™t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on peopleโ€™s success stories but i also dont want bad information being spread around. im happy she became successful but she is one out of a million people who try to do the same and fail. Im happy for her though.ย 
                    
                
            

            
            
        

    

    

        
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