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    God, Target, and Tumblr: KIA
 GOD IS 2
 GROSSINGER
cholochanel:
pinksilouettes:

kissedbythevoid:

by richard__anderson http://ift.tt/213ZSOm

god is a woman*


    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                God, Target, and Tumblr: KIA
 GOD IS 2
 GROSSINGER
cholochanel:
pinksilouettes:

kissedbythevoid:

by richard__anderson http://ift.tt/213ZSOm

god is a woman*


                
            

            
            
cholochanel:
pinksilouettes:

kissedbythevoid:

by richard__anderson http://ift.tt/213ZSOm

god is a woman*



            
            
        

    



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            




    Alive, America, and Anaconda: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGET...

            
            
        

    



        

            
        
        

            



        

            
        
        

            




    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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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: ย </b>POSTED 05/06/2018<b></b></p>
<p><b>STARTING OUT FROM SCRATCH โ€“ </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>-ย ย ย ย ย ย ย ย ย 
50% to <b>Needs</b>: ย utilities, rent, food, car insurance (<b>never buy a car on credit/payments and beย </b> <b>required to pay collision coverage:ย  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. ย Essentials needed to live!</p>
<p>-ย ย ย ย ย ย ย ย ย 
20% to <b>Savings
&amp; Investment</b>: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!</p>
<p>-ย ย ย ย ย ย ย ย ย 
30% to <b>Wants</b>: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œ<b>Wants</b>โ€.</p>
<p>Two methods to keep you on track:</p>
<p>ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.</p>
<p>ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  </p>
<p><b>EMERGECY FUND: ย </b></p>
<p>This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œ<b>all</b>โ€ your monthly bills in the event of
a job lose or an illness: ย you are <b>NEVER</b> to dip into this unless you are
in a dire straight situation. ย </p>
<p><b>Establish this fund FIRST before all other suggestions are followed.</b></p>
<p><b>ย </b></p>
<p><b>SAVINGS &amp; INVESTMENT: ย  </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.</p>
<p>-ย ย ย ย ย ย ย ย ย 
<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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆ<b>stay tuned</b>!</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€<b>ALL PURPOSE</b>โ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.</p>
<p>-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!</p>

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>ย </b>-ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. ย  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>ย 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>ย </b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>ย </b></p>
<p>-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:</p>
<p> ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  </p>
<p> ย  ย  ย  ย  ย  ย  ย  <b>BANK
OF AMERICA</b>: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย </p>
<p>ย - ย  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>
                
            

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

            
            
        

    



        

            
        
        

            




    Alive, America, and Anaconda: can
 do it
 TO DO LIST
corbinalexanderwealthguidance:
CORBIN ALEXANDER WEALLTH
GUIDANCE: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential
rule of thumb:
-ย ย ย ย ย ย ย ย ย 
50% to Needs: ย utilities, rent, food, car insurance (never buy a car on credit/payments and beย  required to pay collision coverage:ย  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck),
gas, clothes allowance, etc. ย Essentials needed to live!
-ย ย ย ย ย ย ย ย ย 
20% to Savings
 Investment: ย  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 = thatโ€™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
likeโ€ฆ..the interest on this stuff is outrageous and you pay 3x-5x what the item
is actually worth in the end โ€“ if you ever get to the end of the payments!
-ย ย ย ย ย ย ย ย ย 
30% to Wants: ย vacations (limit one per year โ€“ do day trips
for the other week taken on paid vacation benefits) and future โ€œWantsโ€ such as
saving for a house: ย if you need the
monies in less than 5 years, then bank it โ€“ if you need the monies in over 8
years, then invest it; that is the industry rule of thumb when it comes to โ€œWantsโ€.
Two methods to keep you on track:
ย -ย ย ย ย ย ย ย ย ย 
The spread sheet method: ย this is where you track your budget in MS
Excel.
ย - ย  ย The envelope method: ย this is where you assign envelopes labeled by
each expense. ย  
EMERGECY FUND: ย 
This where you have a bank savings
account holding a minimum of six months of expenses to pay โ€œallโ€ your monthly bills in the event of
a job lose or an illness: ย you are NEVER to dip into this unless you are
in a dire straight situation. ย 
Establish this fund FIRST before all other suggestions are followed.
ย 
SAVINGS  INVESTMENT: ย  
-ย ย ย ย ย ย ย ย ย 
Start saving for an emergency fund first.
-ย ย ย ย ย ย ย ย ย 
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! ย But do have it on the account โ€“ in the event
of an emergency = like your car breaks down, etc. and avoid using a credit card
and carry a balance.
-ย ย ย ย ย ย ย ย ย 
Start an investment account at Ally.com/invest
and invest in my Model ETF Portfolio that Iโ€™ll outline at a later dateโ€ฆstay tuned!
-ย ย ย ย ย ย ย ย ย 
Start investing in my โ€ALL PURPOSEโ€ Model Mutual Fund Portfolio: starting in your mid-50โ€™s/early
60โ€™s.
-ย ย ย ย ย ย ย ย ย 
Start investing in my designated Model Mutual
Fund 80+ Portfolio in your 80โ€™s; exact allocation percentages to also be
revealed at a later date!

CREDIT
CARDS/BANKING MANAGEMENT:
ย -ย ย ย ย ย ย ย ย ย 
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: ย now is the time to obtain a pre-paid debt
card through Capital One.com or a
similar lender. ย  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.
ย As you SLOWLY
establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
ย 
HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? โ€“
CONSIDER CLAIMING BANKRUPTCY AND START OVER โ€“ JUST BE CAREFUL; DONโ€™T SCREW UP
AGAIN LIKE THE LAST TIME.
ย 
-ย ย ย ย ย ย ย ย ย 
Earn interest in an interest-bearing savings or
CD account:
 ย  ย  ย  ย  ย  ย  ย  Not all
banks are created equal; which is why most are banking wrong: ย  
 ย  ย  ย  ย  ย  ย  ย  BANK
OF AMERICA: ย This is a โ€œfee cityโ€
bank. ย You name it, they have a fee
attached
TD
BANK: ย This is a bank with convoluted
morals. ย Good luck banking in this
environment; more horseshit then you can shake a stick
at! ย 
ย - ย  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: ย POSTED 05/06/2018
STARTING OUT FROM SCRATCH โ€“ POST #1 IN MY SERIES
BUDGET...