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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!

corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGET...

Anaconda, Tumblr, and Blog: elphabaforpresidentofgallifrey: this is it. this is the purest photo in existence. reblog for 100 years of good luck
Anaconda, Tumblr, and Blog: elphabaforpresidentofgallifrey:

this is it. this is the purest photo in existence. reblog for 100 years of good luck

elphabaforpresidentofgallifrey: this is it. this is the purest photo in existence. reblog for 100 years of good luck

Club, Grandma, and Journey: A elderly woman who decided to chuck a load of coins into a plane's engine for good luck ended up delaying a flight in Shanghai, a Chinese airline has confirmed. The 80-year-old passenger threw her change at the China Southern Airlines flight as she crossed the tarmac to board on Tuesday She threw the coins as she prayed for safety and so they would have a smooth journey, she told police. Only one of the nine coins she threw managed to lodge itself into its intended target but this was enough to mean that the 150 passengers on board had to wait around for several hours. Police were called to Shanghai Pudong International Airport after a passenger noticed the woman's weird behaviour The woman was travelling with her husband, daughter and son-in-law Flight Follow China Southern Flight 380 was delayed at Shanghai Pudong Int'l Airport on Tues after an elderly woman threw coins into the engine for luck "In order to make sure the flight is safe, China Southern maintenance has conducted a full examination of the plane's engine," China Southern Airlines said in a statement on the microblogging site Weibo. They also tweeted a picture of the coins. "After an investigation the involved passenger, surnamed Qiu, said she threw the coins to pray for safety. According to Qiu's neighbour Qiu believes in Buddhism," the police said. The flight took off five hours later Chinese people took to the social media site Weibo for a bit of banter about the ordeal, with one user commenting: "Grandma, this is not a wish fountain with turtles. Total value of the coins adds up to 1.7 yuan found (about 25 US cents), but local media estimated the cost of engine inspection and flight delay could easily run in the thousands of dollars. POTATO ES laughoutloud-club: Flight Delayed After Woman Throws Coins Into Plane’s Engine For ‘Good Luck’
Club, Grandma, and Journey: A elderly woman who decided to chuck a load of coins into a plane's
 engine for good luck ended up delaying a flight in Shanghai, a
 Chinese airline has confirmed.
 The 80-year-old passenger threw her change at the China Southern
 Airlines flight as she crossed the tarmac to board on Tuesday
 She threw the coins as she prayed for safety and so they would have
 a smooth journey, she told police.
 Only one of the nine coins she threw managed to lodge itself into its
 intended target but this was enough to mean that the 150
 passengers on board had to wait around for several hours.
 Police were called to Shanghai Pudong International Airport after a
 passenger noticed the woman's weird behaviour
 The woman was travelling with her husband, daughter and
 son-in-law
 Flight
 Follow
 China Southern Flight 380 was delayed at
 Shanghai Pudong Int'l Airport on Tues after
 an elderly woman threw coins into the engine
 for luck
 "In order to make sure the flight is safe, China Southern
 maintenance has conducted a full examination of the plane's
 engine," China Southern Airlines said in a statement on the
 microblogging site Weibo.
 They also tweeted a picture of the coins.
 "After an investigation the involved passenger, surnamed Qiu, said
 she threw the coins to pray for safety. According to Qiu's neighbour
 Qiu believes in Buddhism," the police said.
 The flight took off five hours later
 Chinese people took to the social media site Weibo for a bit of
 banter about the ordeal, with one user commenting: "Grandma, this
 is not a wish fountain with turtles.
 Total value of the coins adds up to 1.7 yuan found (about 25 US
 cents), but local media estimated the cost of engine inspection and
 flight delay could easily run in the thousands of dollars.
 POTATO ES
laughoutloud-club:

Flight Delayed After Woman Throws Coins Into Plane’s Engine For ‘Good Luck’

laughoutloud-club: Flight Delayed After Woman Throws Coins Into Plane’s Engine For ‘Good Luck’