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midnight-spectrum-again: drrockbell: i-am-corbin-dallas: thehttydblog: im-a-hyperion-vault-hunter: fernacular: fernacular: urhella-gaychloe: keithislactoseintolerant: wishem: sherlock-im-not-gay: zomibom: lifeofcynch: gabbyzvolt25: kvothe-kingkiller: petroleum-hare: empresspinto: blixart: shoutsofthunder: swagginsloths: blixart: how to draw arms ? ?  holy fuck holy fuck is right… but… does it work with legs??? yes !! but how much extend ^^^^^^^^^^ I NEARLY CHOKED ENJFDFNFATFVFDF finally. i can be accurate This is too fucking great to not reblog I give it MASCLES BIG MACHO 🤣🤣 LMAOOOOOO Okay but for anyone who legit wants to know how to calculate it correctly: The elbow joint on average rests a couple inches higher than the navel, so if you measure how long the distance is from the middle of the shoulder to that point then you have the length of the upper and fore arms! So if anyone’s wondering about legs too, the simplest rule of thumb is that the length from the top of the leg to the knee is equal to the distance between the top of the leg and the bottom of the pectorals: And I wanna stress that when i say “top of the leg” i’m not talking about the crotch (please don’t flag me tumblr it’s an anatomical term) i’m talking about the point where the femur connects to the pelvis, which is higher up on the hips: It’s easier to see what I’m talking about in this photo of a man squatting:  So yeah if you use that measurement when using this technique you should get fairly realistically proportioned legs: But remember! messing with proportions is an important and fun part of character design! Know the rules first so you can then break them however you please! HOW THE HELL DID I FIND THIS POST OMG Licherally in the midst of drawing a guy and crying at how bad the arms are. Thanks Tumbles I only ever saw the part where people started drawing the limbs outrageously long and genuinely wanted to know how to fix that, so I’m really thankful to see the rest. Love this : midnight-spectrum-again: drrockbell: i-am-corbin-dallas: thehttydblog: im-a-hyperion-vault-hunter: fernacular: fernacular: urhella-gaychloe: keithislactoseintolerant: wishem: sherlock-im-not-gay: zomibom: lifeofcynch: gabbyzvolt25: kvothe-kingkiller: petroleum-hare: empresspinto: blixart: shoutsofthunder: swagginsloths: blixart: how to draw arms ? ?  holy fuck holy fuck is right… but… does it work with legs??? yes !! but how much extend ^^^^^^^^^^ I NEARLY CHOKED ENJFDFNFATFVFDF finally. i can be accurate This is too fucking great to not reblog I give it MASCLES BIG MACHO 🤣🤣 LMAOOOOOO Okay but for anyone who legit wants to know how to calculate it correctly: The elbow joint on average rests a couple inches higher than the navel, so if you measure how long the distance is from the middle of the shoulder to that point then you have the length of the upper and fore arms! So if anyone’s wondering about legs too, the simplest rule of thumb is that the length from the top of the leg to the knee is equal to the distance between the top of the leg and the bottom of the pectorals: And I wanna stress that when i say “top of the leg” i’m not talking about the crotch (please don’t flag me tumblr it’s an anatomical term) i’m talking about the point where the femur connects to the pelvis, which is higher up on the hips: It’s easier to see what I’m talking about in this photo of a man squatting:  So yeah if you use that measurement when using this technique you should get fairly realistically proportioned legs: But remember! messing with proportions is an important and fun part of character design! Know the rules first so you can then break them however you please! HOW THE HELL DID I FIND THIS POST OMG Licherally in the midst of drawing a guy and crying at how bad the arms are. Thanks Tumbles I only ever saw the part where people started drawing the limbs outrageously long and genuinely wanted to know how to fix that, so I’m really thankful to see the rest. Love this
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northstarfan: i-am-corbin-dallas: boxlunches: kinkyconcepts: bolinator: djazzy: ximune: did-you-kno: Source I saw a news report about this on T.V., she was a straight A Student who had perfect attendance and everything. Everyone loved and respected her for her skills, but when she started this experiment and people thought she was pregnant, they started treating her like garbage. Even her teachers started looking down on her like she was scum of the earth. The only people who knew she was doing this as an experiment were her school principal, her health care teacher, her boyfriend, and her mother. Her own siblings thought she was pregnant!I mean even her friends turned on her, it was horrid. Very very sad, and as soon as she revealed during an assembly that the pregnancy was false, a lot of people were in shock as she brought up all the horrible things they said and did to her because they thought she was pregnant.The reason for the experiment was to see how people would react and treat her if they thought she was pregnant, as opposed as to treating her as the straight A “Perfect” student they usually did. And it proved that people were horrible scumbags to her as soon as they thought she was. holy shit. this is fucking awesome I read this chick’s book! It was so cool. Her book is The Pregnancy Project by Gaby Rodriguez Pretty sure I reblogged something about this in the past, but now someone’s posted a book title and I want to read this book I read the book and saw the lifetime movie ***SPOILERS***  She came from a family with a history of teen pregnancies but she was the exception to the rule. As her senior project she wanted to see how things would change for her if she “succumbed” to what was expected of her by society and statistics. basically she told her bf for his permission and one or two school officials (I think her sister or mother as well but I read it soo long ago). The teachers who didn’t know immediately began to look down on her, most of her friends abandoned her. He bf's family told him to leave her and she basically became the school outcast. Only the other pregnant girls were friendly to her. At the end of the school year she made a big presentation to the school giving them facts about teen pregnancy and telling them about her experiences as a pregnant teen including things they had said to or about her. Then she finally revealed that she wasn’t pregnant. Some people were mad that she had tricked them but overall they understood why she had done it. Assholes weren’t mad that she tricked them, they were mad because she exposed them for what they really were: a pack of shitheads.: did you know? did-you-kno.tumblr.co A 17 year old girl faked a pregnancy for 6 months as a social experiment with only a handful of people knowing about it. Rumor Stereot ASSOCIATED PRESS did-you-kno.tumblr.com northstarfan: i-am-corbin-dallas: boxlunches: kinkyconcepts: bolinator: djazzy: ximune: did-you-kno: Source I saw a news report about this on T.V., she was a straight A Student who had perfect attendance and everything. Everyone loved and respected her for her skills, but when she started this experiment and people thought she was pregnant, they started treating her like garbage. Even her teachers started looking down on her like she was scum of the earth. The only people who knew she was doing this as an experiment were her school principal, her health care teacher, her boyfriend, and her mother. Her own siblings thought she was pregnant!I mean even her friends turned on her, it was horrid. Very very sad, and as soon as she revealed during an assembly that the pregnancy was false, a lot of people were in shock as she brought up all the horrible things they said and did to her because they thought she was pregnant.The reason for the experiment was to see how people would react and treat her if they thought she was pregnant, as opposed as to treating her as the straight A “Perfect” student they usually did. And it proved that people were horrible scumbags to her as soon as they thought she was. holy shit. this is fucking awesome I read this chick’s book! It was so cool. Her book is The Pregnancy Project by Gaby Rodriguez Pretty sure I reblogged something about this in the past, but now someone’s posted a book title and I want to read this book I read the book and saw the lifetime movie ***SPOILERS***  She came from a family with a history of teen pregnancies but she was the exception to the rule. As her senior project she wanted to see how things would change for her if she “succumbed” to what was expected of her by society and statistics. basically she told her bf for his permission and one or two school officials (I think her sister or mother as well but I read it soo long ago). The teachers who didn’t know immediately began to look down on her, most of her friends abandoned her. He bf's family told him to leave her and she basically became the school outcast. Only the other pregnant girls were friendly to her. At the end of the school year she made a big presentation to the school giving them facts about teen pregnancy and telling them about her experiences as a pregnant teen including things they had said to or about her. Then she finally revealed that she wasn’t pregnant. Some people were mad that she had tricked them but overall they understood why she had done it. Assholes weren’t mad that she tricked them, they were mad because she exposed them for what they really were: a pack of shitheads.
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Corbin: Stavanger Eldar Setre (Equinor) Grethe Moen (Petoro) THE DECOLONIAL ATLAS Copenhagen Søren Skou (Maersk) Calgary Doug Suttles (Encana) Rob Peabody (Husky Energy) Steve Williams (Suncor) Donald Lindsay (Teck) Tim Mckay (Canadian Natural) Moscow Alexey Miler (Gazprom Igor Sechin (Rosneft) Vagit Alekperov (Lukoil) Vadimir Bogdanov (Surgutneftegas) Viadimir Rashevsky (SUEK) Almetyevsk Tarko-Sale Surgut Leonid Mikhelson (Novatek) Vancouver Den Haag Ben van Beurden (Royal Dutch Shell) Nail Maganov (Tatneft) Ekibastuz Nikolay Korsakov (Bogatyr Komir) Katowice Krzysztof Sedakowski (Polska Grupa G Findlay Colin Marshall (Cloud Peak Energy) Gary Heminger (Marathon) Cleveland Gillette Pyongyang London Bob Dudey (BPy Jean-Sábastien Jacques (Rio Tinto) bae(KazMunayGas) Beijing Mun Myong-hak (Ministry of Coal) Dai Houliang (Sinopec) Li Fanrong (CNOOC) Ling Wen (China Energy) Zhang Jianhua (CNPC) Sauat Mynbayev (KazMunayGas) New York Alfred Rankin (NACCOohn Hess (Hess) Karviná Boleslav Kowalczyk (OKD) K TEK) Ashgabat Omaha Denver Michael Hutchinson (Westmoreland Coal) St LouRobert Murray (Mumray Energy) Glenn Kellow (Peabody) Essen Rolf Martin Schmitz (RWE) Pittsburgh John Eaves (Arch Coa Nicholas Delulis (Consol Energy) Kingsport David Stetson (Alpha Natural Resources) Ashirguli Begliyev (TurkmenGaz) Dovletdurdy Hadzhyev (Turkmennebit) Tehran Masoud Karbasian (National Iranian Oil) Baghdad Tokyo Shunichi Nakaigawa (Inpex) Bay Area Mike Wirth (Chevron) Paris Tulsa Patrick Pouyanné (Total) Joseph Craft (Alliance Resource Partners) Oklahoma City David Hager (Devon Energy) Doug Lawler (Chesapeake Energy) El Dorado Vienna Zürich Rainer Seele (OMV) Ivan Glasenberg (Glencore) Jabbar Al-luiebi (Iraq National Oil) Dallas Roger Jenkins (Murphy O) Curtis Morgan (Vistra Energy) Darren Woods (ExonMobil) Delhi Kuwait City Shashi Shankar (ONGC) Birmingham Michael Tracy (Drummond) Damascus Hashem Hashem (KPC) Kolkata Roma Wase Al-Himed (SPC) Abu Dhabi Madrid Josu lmaz (Repsol) Claudio Descalzi (Enl Anil Kumar Jha (Coal India) Houston ) Dammam Ahmed Al Jaber (ADNOC) Amin Nasser (Saudi Aramco) Kothagudem Corbin Robertson (Natural Resource Partners) David Stover (Noble Energy) John Christmann (Apache) Muscat Algiers Rachid Hachichi (Sonatrach) Bangkok Somruedee Chaimongkol (Banpu) Bahrain Raoul Restucci (PDO) Sni Sridhar (SCCL) México Octavio Romero (Pemex) AWalker (Anadarko Petroleum) Cairo Pete Bartiett (BAPCO) Tripoli Tarek El Molla (EGPC) Doha Ryan Lance (ConocoPhilips) Wiliam Way (Southwestern Energy) William Thomas (EOG Resources) Mustafa Sanalla (Libya NOC) Saad Sherida A-Kaabi (QP) Kuala Lumpur Wan Zulkiflee (Pefronas) Abuja Maikanti Baru (Nigerian National Petroleum) Caracas Bogotá Manuel Quevedo (Petróleos de Venezuela) Felipe Bayon (Ecopetrol) Quito Marcelo Proano (Petroecuador) Balikpapan Garibaldi Thohir (Adaro Energy) Palembang Luanda Carlos Saturnino (Sonangol) Arviyan Arifin (Bukit Asam) Jakarta Bob Kamandanu (Berau Coal Energy) Arsjad Rasjid (Indika Energy) Kurnia Ariawan (Kideco) Nicke Widyawati (Pertamina Saptari Hoedaja (Bumi Resources) Johannesburg-Pretoria Mark Cutifani (Anglo American) Mxolisi Mgojo (Exxaro) Stephen Comell (Sasol) Rio de Janeiro Roberto Castello Branco (Petrobras) Buenos Aires Daniel González (YPF) Melbourne Andrew Mackenzie (BHP) 100 companies are responsible for most of the world's greenhouse gas emissions These are the NAMES AND LOCATIONS of their executives Country sizes depict cumulative CO2 emissions from 1850-2011
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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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