Earnest (refinance your student loans): Same idea as above but on your student loans. There is $1.4 trillion in student loan debt outstanding. When you have student loan debt, it can make it hard to get ahead, invest, or to buy a home. If this sounds familiar, refinancing the debt can not only help you pay it off more quickly, but it can save you money on interest too.
Spend your tax refund wisely. In 2007, the average American tax refund was $2,733. That's a lot of money! Can you use that money to pay off debts or create an emergency fund instead of blowing it on something that will lose half its value the second you buy it? If you invest nearly $3,000 wisely, it could be worth ten times that much in as many years.
Spending intentionally doesn’t require pinching every penny, but you should know where those pennies are going and that the destination is something you value, whether that’s travel or good food. It’s easy to fall into a habit of doing the opposite, basically a financial version of mindless eating — buying a new pair of shoes because you walked by the shoe store, for example.
Become financially literate: Before you start investing, you must financially educate yourself. The financial industry wants to sell you thousands of different products, on which they’re making money in the end, not you. If you don’t understand 1,000 % in what kind of a product you’re investing your money, you’re probably going to lose it. So, if you want to get rich, you must understand financial products, taxes, legal aspects and other investment issues really well.
The last step resides in the concept of contribution. Even if you have no money, find a way to contribute to others. Look for opportunities where you can help those around you. Whether they're in need or not, this mindset will drive home the point that you have more than you need, even if you physically don't. Search for ways, every single day, where you can contribute either your time or your money to those who might be less fortunate, because that's the true essence of success in every form.
I paid $47 to this Home Income Program. I am so dissatisfied with the whole thing. The information they gave you can get for free from Facebook, EBay, Instagram etc. Which I had already done. So it was totally useless to me. Now trying to get a refund of my $47 has become a full time task… No one ever responds to my emails. When I call the customer support number I get a voicemail asking for my name and number And customer service is a joke. I would say and agree that I was totally scammed!!! People don’t waste your time and ecspecially your money. Take your family to dinner instead of falling for the Home Income scam!!!! Thank you.
However, what he didn't fully appreciate at the time was just how much others were helping in the process to push and enact those deals. When he walked away from a nearly $2-billion-in-sales company at the age of 30, he simply didn't realize that. In his own words, he was full of himself and entirely overconfident about what he could achieve on his own. His slow and steady decline in the 22 months that followed his departure from that business was one of the most brutal periods in his life, where he almost lost all hope.
Now contrast that with what happened with ocean-going fleets in Europe. Columbus was an Italian, and he wanted an ocean-going fleet to sail across the Atlantic. Everybody in Italy considered this a stupid idea and wouldn't support it. So Columbus went to the next country, France, where everybody considered it a stupid idea and wouldn't support it. So Columbus went to Portugal, where the king of Portugal considered it a stupid idea and wouldn't support it. So Columbus went across the border to a duke of Spain who considered this stupid. And Columbus then went to another duke of Spain who also considered it a waste of money. On his sixth try Columbus went to the king and queen of Spain, who said this is stupid. Finally, on the seventh try, Columbus went back to the king and queen of Spain, who said, all right, you can have three ships, but they were small ships. Columbus sailed across the Atlantic and, as we all know, discovered the New World, came back, and brought the news to Europe. Cortez and Pizarro followed him and brought back huge quantities of wealth. Within a short time, as a result of Columbus having shown the way, 11 European countries jumped into the colonial game and got into fierce competition with each other. The essence of these events is that Europe was fragmented, so Columbus had many different chances.
For example, a $200,000 mortgage on a 30-year loan will cost you another $186,500 in interest payments, so you are actually paying a total of $386,500 over the course of 30 years. On the other hand, if you are willing to pay a few extra hundred dollars a month (for example, $350) by refinancing to a 15-year loan (usually at a lower interest rate), you could pay your mortgage off in only 15 years, and the best part is you would save yourself a whopping $123,700 in interest. That's money in your pocket. Talk to a loan officer about your options.
Thank you for sharing your perspective. I will leave this here if you want to be financially free for life; I used to have most of my investments in stocks and mutual funds. I have been doing some research on cryptocurrency investments, trading and mining, and I came across many reviews online. I found this Crypto expert/miner via his mail address at [cryptojacking.worm (at)gmail com ]
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Location. The most successful bed and breakfasts are those that are convenient to airports, historic parts of town, or other tourist attractions. That’s because there are two types of guests who tend to frequent B&B’s: business travelers who are tired of sterile hotel rooms, and families looking for a unique experience. That’s not to say that you can’t develop a successful B&B if your home isn’t located in the perfect spot, but you might have to work harder to make it a success if it isn’t.
I recently stumbled on the Trim app and I have to say, this one is a game changer. It’s a simple app that acts as your own personal financial manager. Once you link your bank to the app, Trim analyzes your spending, finds subscriptions you need to cancel, negotiates your Comcast bill, finds you better car insurance, and more. And of course, the app is free! My bet is that it will only take a few days for Trim to put an extra $100 in your pocket. So easy!