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        Alive, America, and Anaconda: 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!

        

            
            

                
                
                    Alive, America, and Anaconda: 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!

                    
                
            

            
            
        

    

    

        
Save

    



        

    

    

    

        

            




    

        
        
        
        
        
        
        
    

    

        Alive, America, and Anaconda: 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>
        

            
            

                
                
                    Alive, America, and Anaconda: 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>
                    
                
            

            
            
        

    

    

        
Save

    



        

    

    

    

        

            




    

        
        
        
        
        
        
        
    

    

        Alive, America, and Anaconda: 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!

        

            
            

                
                
                    Alive, America, and Anaconda: 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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        Baked, Christmas, and Friday: votoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 otoob
 yotoob:
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 - invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder.
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISIS I GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE ME A TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUTON THE
 STREET AND IN THAT TIME THE OTHER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK.
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T I?
 The Gay Agenda, everyone
 this is fucking incredible
 Imagine your otps
 Just so everyone knows
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason.I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
 which you can bet that I am going to crank up to the max when we move
Story about wholesome neighbors found on r/tumblr
        

            
            

                
                
                    Baked, Christmas, and Friday: votoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 otoob
 yotoob:
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 - invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder.
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISIS I GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE ME A TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUTON THE
 STREET AND IN THAT TIME THE OTHER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK.
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T I?
 The Gay Agenda, everyone
 this is fucking incredible
 Imagine your otps
 Just so everyone knows
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason.I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
 which you can bet that I am going to crank up to the max when we move
Story about wholesome neighbors found on r/tumblr
                    
                
            

            
            
        

    

    

        
Save

    



        

    

    

    

        

            




    

        
        
        
        
        
        
        
    

    

        Baked, Christmas, and Friday: votoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 otoob
 yotoob:
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 - invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder.
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISIS I GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE ME A TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUTON THE
 STREET AND IN THAT TIME THE OTHER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK.
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T I?
 The Gay Agenda, everyone
 this is fucking incredible
 Imagine your otps
 Just so everyone knows
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason.I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
 which you can bet that I am going to crank up to the max when we move
<p>Story about wholesome neighbors found on r/tumblr via /r/wholesomememes <a href="http://ift.tt/2f1pgE3">http://ift.tt/2f1pgE3</a></p>
        

            
            

                
                
                    Baked, Christmas, and Friday: votoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 otoob
 yotoob:
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 - invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder.
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISIS I GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE ME A TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUTON THE
 STREET AND IN THAT TIME THE OTHER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK.
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T I?
 The Gay Agenda, everyone
 this is fucking incredible
 Imagine your otps
 Just so everyone knows
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason.I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
 which you can bet that I am going to crank up to the max when we move
<p>Story about wholesome neighbors found on r/tumblr via /r/wholesomememes <a href="http://ift.tt/2f1pgE3">http://ift.tt/2f1pgE3</a></p>
                    
                
            

            
            
        

    

    

        
Save

    



        

    

    

    

        

            




    

        
        
        
        
        
        
        
    

    

        Baked, Christmas, and Friday: yotoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 yotoob
 yotoob
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short - I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISISI GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE MEA TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUT ON THE
 STREET AND IN THAT TIME THE O THER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T 1?
 The Gay Agenda, everyone
 this is fucking i n c redible
 Imagine your otps
 Just so evervone knoWS
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason. I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 which you can bet that I am going to crank up to the max when we move
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
The saga of the real nice guys
        

            
            

                
                
                    Baked, Christmas, and Friday: yotoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 yotoob
 yotoob
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short - I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISISI GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE MEA TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUT ON THE
 STREET AND IN THAT TIME THE O THER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T 1?
 The Gay Agenda, everyone
 this is fucking i n c redible
 Imagine your otps
 Just so evervone knoWS
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason. I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 which you can bet that I am going to crank up to the max when we move
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
The saga of the real nice guys
                    
                
            

            
            
        

    

    

        
Save

    



        

    

    

    

        

            




    

        
        
        
        
        
        
        
    

    

        Baked, Christmas, and Friday: yotoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 yotoob
 yotoob
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short - I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISISI GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE MEA TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUT ON THE
 STREET AND IN THAT TIME THE O THER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T 1?
 The Gay Agenda, everyone
 this is fucking i n c redible
 Imagine your otps
 Just so evervone knoWS
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason. I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 which you can bet that I am going to crank up to the max when we move
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
The saga of the real nice guys
        

            
            

                
                
                    Baked, Christmas, and Friday: yotoob
 imagine-otp
 duskenpath
 fanaticalqueergeek
 yotoob
 yotoob
 yotoob
 We've bought a new house. And our new next door
 neighbours (two delightful gentlemen) will not stop being
 nice
 - bought us a seagull proof refuse bag (yes, they are actual
 things)
 - loaned us garden tools when we didn't have any
 invited us around for Friday night drinks so we could meet
 the other people on the lane
 - one of them brought me a bunch of sweetpea flowers that
 he'd picked from his garden
 - and tomorrow he's coming to cut our hedge for us with
 his electric hedge trimmer thing idk, and all I have to do is
 hold the ladder
 Basically, I am UNSETTLED and am now having to enter
 into an arms race of niceness and I am already so behind
 oh god
 Long story short - I just baked a lemon drizzle cake, and it
 looks great but I can't even eat it because MR AND MR
 NICE MUST RECEIVE AN OFFERING
 ABSOLUTE CRISISI GAVE THEM THE LEMON DRIZZLE
 AND THEN THEY INVITED ME IN TO HAVE A SLICE AND A
 COFFEE WITH THEM AND GAVE MEA TOUR OF THEIR
 HOUSE AND LET ME HOLD THEIR PUPPY. AND THEN
 THEY CAME AROUND TO HELP ME BAG UP THE HEDGE
 CLIPPINGS. THESE MEN ARE NICENESS PROS AND I
 CANNOT WIN
 HELP WE HAD AN HOUR LONG POWER CUT ON THE
 STREET AND IN THAT TIME THE O THER MR NICE CAME
 AROUND WITH MATCHES AND CANDLES 'JUST IN CASE
 YOU DIDN'T HAVE ANY. IT WAS BARELY DARK
 BASTARDS I'M GOING TO HAVE TO HOST A DINNER
 PARTY AREN'T 1?
 The Gay Agenda, everyone
 this is fucking i n c redible
 Imagine your otps
 Just so evervone knoWS
 Mr and Mr Nice moved out around Christmas time 2016. (Further proof that
 2016 was a cursed year)
 We are still in touch and have been to visit them in their new house. They
 moved to gain some land, they have sheep aspirations for some reason. I
 love them
 We have new neighbours. I am currently engaged in a slow burn of niceness
 which you can bet that I am going to crank up to the max when we move
 down permanently in June
 I WILL BE THE NICE ONE THIS TIME. PRE-EMPTIVE STRIKE. NO
 MERCY
The saga of the real nice guys
                    
                
            

            
            
        

    

    

        
Save