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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 Kdeptüla 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

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corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018! : can do it TO DO LIST corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!
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<p><a href="https://corbinalexanderwealthguidance.tumblr.com/post/173631157384/corbin-alexander-weallth-guidance-posted" class="tumblr_blog">corbinalexanderwealthguidance</a>:</p><blockquote> <p><b>CORBIN ALEXANDER WEALLTH GUIDANCE:  </b>POSTED 05/06/2018<b></b></p> <p><b>STARTING OUT FROM SCRATCH – </b>POST #1 IN MY SERIES<b></b></p> <p><b>BUDGETING:</b></p> <p>50/30/20/RULE:</p> <p>For the person already living life, this is an essential rule of thumb:</p> <p>-          50% to <b>Needs</b>:  utilities, rent, food, car insurance (<b>never buy a car on credit/payments and be </b> <b>required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck</b>), gas, <b>clothes allowance</b>, etc.  Essentials needed to live!</p> <p>-          20% to <b>Savings &amp; Investment</b>:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to <b>NEVER</b> pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!</p> <p>-          30% to <b>Wants</b>:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “<b>Wants</b>”.</p> <p>Two methods to keep you on track:</p> <p> -          The spread sheet method:  this is where you track your budget in MS Excel.</p> <p> -    The envelope method:  this is where you assign envelopes labeled by each expense.   </p> <p><b>EMERGECY FUND:  </b></p> <p>This where you have a bank savings account holding a minimum of six months of expenses to pay “<b>all</b>” your monthly bills in the event of a job lose or an illness:  you are <b>NEVER</b> to dip into this unless you are in a dire straight situation.  </p> <p><b>Establish this fund FIRST before all other suggestions are followed.</b></p> <p><b> </b></p> <p><b>SAVINGS &amp; INVESTMENT:   </b></p> <p>-          Start saving for an emergency fund first.</p> <p>-          <b>Do not</b> use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance.</p> <p>-          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…<b>stay tuned</b>!</p> <p>-          Start investing in my ”<b>ALL PURPOSE</b>” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s.</p> <p>-          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date!</p> <p><b>CREDIT CARDS/BANKING MANAGEMENT:</b></p> <p><b> </b>-          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through <b>Capital One.com</b> or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a <b>local bank</b> using a co-signer to qualify for the loan.</p> <p> As you <b>SLOWLY</b> establish a credit history; apply for a no-fee/low credit limit card through <b>Discover.com</b> and/or <b>Capital One.com.</b></p> <p><b> </b></p> <p><b>HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.</b></p> <p><b> </b></p> <p>-          Earn interest in an interest-bearing savings or CD account:</p> <p>               Not all banks are created equal; which is why most are banking wrong:   </p> <p>               <b>BANK OF AMERICA</b>:  This is a “fee city” bank.  You name it, they have a fee attached</p> <p><b>TD BANK</b>:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!  </p> <p> -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!).</p> <p><b>You are better off going to a local bank or a federal credit union for your banking needs.</b></p> <p>BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!</p> </blockquote>: 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:  </b>POSTED 05/06/2018<b></b></p> <p><b>STARTING OUT FROM SCRATCH – </b>POST #1 IN MY SERIES<b></b></p> <p><b>BUDGETING:</b></p> <p>50/30/20/RULE:</p> <p>For the person already living life, this is an essential rule of thumb:</p> <p>-          50% to <b>Needs</b>:  utilities, rent, food, car insurance (<b>never buy a car on credit/payments and be </b> <b>required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck</b>), gas, <b>clothes allowance</b>, etc.  Essentials needed to live!</p> <p>-          20% to <b>Savings &amp; Investment</b>:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to <b>NEVER</b> pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!</p> <p>-          30% to <b>Wants</b>:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “<b>Wants</b>”.</p> <p>Two methods to keep you on track:</p> <p> -          The spread sheet method:  this is where you track your budget in MS Excel.</p> <p> -    The envelope method:  this is where you assign envelopes labeled by each expense.   </p> <p><b>EMERGECY FUND:  </b></p> <p>This where you have a bank savings account holding a minimum of six months of expenses to pay “<b>all</b>” your monthly bills in the event of a job lose or an illness:  you are <b>NEVER</b> to dip into this unless you are in a dire straight situation.  </p> <p><b>Establish this fund FIRST before all other suggestions are followed.</b></p> <p><b> </b></p> <p><b>SAVINGS &amp; INVESTMENT:   </b></p> <p>-          Start saving for an emergency fund first.</p> <p>-          <b>Do not</b> use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance.</p> <p>-          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…<b>stay tuned</b>!</p> <p>-          Start investing in my ”<b>ALL PURPOSE</b>” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s.</p> <p>-          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date!</p> <p><b>CREDIT CARDS/BANKING MANAGEMENT:</b></p> <p><b> </b>-          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through <b>Capital One.com</b> or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a <b>local bank</b> using a co-signer to qualify for the loan.</p> <p> As you <b>SLOWLY</b> establish a credit history; apply for a no-fee/low credit limit card through <b>Discover.com</b> and/or <b>Capital One.com.</b></p> <p><b> </b></p> <p><b>HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.</b></p> <p><b> </b></p> <p>-          Earn interest in an interest-bearing savings or CD account:</p> <p>               Not all banks are created equal; which is why most are banking wrong:   </p> <p>               <b>BANK OF AMERICA</b>:  This is a “fee city” bank.  You name it, they have a fee attached</p> <p><b>TD BANK</b>:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!  </p> <p> -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!).</p> <p><b>You are better off going to a local bank or a federal credit union for your banking needs.</b></p> <p>BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!</p> </blockquote>
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corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018! : can do it TO DO LIST corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!
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sodomymcscurvylegs: la-rinascente: tapatiopapi: leplastiquedick: dysfunctunal: furbytheminx: furbytheminx: sashayshanta28: dysfunctunal: @racistsgettingfired @reverseracism y'all know the drill 😒 See this is the part of institutional racism that some ppl don’t fully grasp. Look at her job title….think of all the shitty things she’s done to the other “black bitches” she’s encountered in her work. She changed her profile to private but that doesn’t mean you can’t attach her tweet and @ her job 😊 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 😒 See this is the part of institutional racism that some ppl don’t fully grasp. Look at her job title….think of all the shitty things she’s done to the other “black bitches” she’s encountered in her work. She changed her profile to private but that doesn’t mean you can’t attach her tweet and @ her job 😊 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
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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

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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

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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

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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

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“I have nothing to play” Suggestions?omg-humor.tumblr.com: AGE MYTIOLOGY ALAN WAKE 7DEYSTO DIE Ánnesia. 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 CÁLL-DUT CALL-DUTY MAPERN WART MAPERKARFAN Chip's0 Challenge CITIES - MOTON CINP-ER CHIVALRY COMPANTranrs CATARICN এन 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 DAWN unTHER SPACEMARINE WAR WATCHODGS Moutot pajensien ARMAGEDDON inhall XCOM MAYHEM FUNNY STUFF ON MEMEPIX.COM MEMEPIX.COM “I have nothing to play” Suggestions?omg-humor.tumblr.com

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17mul: cosmic-noir: blackgirlshit: dickprintbandit: flyandfamousblackgirls: “How A Homeless Single Mother Became A Millionaire in 18 Months” After a separation from her husband, Elon Bomani and her newborn son moved into a women’s shelter. She says, “I 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.” “I 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.” Bomani’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 Sheets’ “no money down programs.” 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. “I 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. “I didn’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. “I 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.” “I 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. “Being a millionaire, it’s a formula to it. If you study it and practice it, you’ll become it.” Today, Bomani owns and operates four companies and has a book out, titled: “Dynamic Diva Dollars.” WOW! Salute a Real One When You See On 😵😵😵 goals 😎 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 Taleb’s book called “The Black Swan” which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahneman’s masterpiece “Thinking Fast and Slow” which shows you in several parts of the book how Ceo’s, companys, and many great figures got to where they were because sheer luck.  Don’t believe me ? Well let’s look at Elon Bomani (the single mother this post is about).  “she recognized the housing market was profitable”   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 isn’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 wouldn’t have been successful or as successful. Also her finding someone who would give her credit given her homelessness  and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I won’t cus this post is too long , but the reason why I am against this kind of rhetoric isn’t because i want to silence a WOC and her experiences - it’s because this kind of rhetoric is harmful and just not true because 1. most of the rich people you’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)  3. telling poor people to simply glorify the rich and their habits implies many negative things that aren’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) …. it would fail since you can’t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on people’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. : 17mul: cosmic-noir: blackgirlshit: dickprintbandit: flyandfamousblackgirls: “How A Homeless Single Mother Became A Millionaire in 18 Months” After a separation from her husband, Elon Bomani and her newborn son moved into a women’s shelter. She says, “I 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.” “I 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.” Bomani’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 Sheets’ “no money down programs.” 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. “I 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. “I didn’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. “I 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.” “I 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. “Being a millionaire, it’s a formula to it. If you study it and practice it, you’ll become it.” Today, Bomani owns and operates four companies and has a book out, titled: “Dynamic Diva Dollars.” WOW! Salute a Real One When You See On 😵😵😵 goals 😎 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 Taleb’s book called “The Black Swan” which shows you just how much randomness and luck play a role in our everyday lives. I would also read Daniel Kahneman’s masterpiece “Thinking Fast and Slow” which shows you in several parts of the book how Ceo’s, companys, and many great figures got to where they were because sheer luck.  Don’t believe me ? Well let’s look at Elon Bomani (the single mother this post is about).  “she recognized the housing market was profitable”   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 isn’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 wouldn’t have been successful or as successful. Also her finding someone who would give her credit given her homelessness  and her being black and female is not only unlikely but super lucky of her. I have more to say but frankly I won’t cus this post is too long , but the reason why I am against this kind of rhetoric isn’t because i want to silence a WOC and her experiences - it’s because this kind of rhetoric is harmful and just not true because 1. most of the rich people you’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)  3. telling poor people to simply glorify the rich and their habits implies many negative things that aren’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) …. it would fail since you can’t all have millionaires. you NEED poor people under capitalism. at least in america. idk i hate being negative on people’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. 
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