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

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

<p><b>CREDIT
CARDS/BANKING MANAGEMENT:</b></p>
<p><b>聽</b>-聽聽聽聽聽聽聽聽聽
Establish a credit history at 18 years old
before working a full-time 9-5 or going to college: 聽now is the time to obtain a pre-paid debt
card through <b>Capital One.com</b> or a
similar lender. 聽 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>聽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>聽</b></p>
<p><b>HAVE
YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? 鈥
CONSIDER CLAIMING BANKRUPTCY AND START OVER 鈥 JUST BE CAREFUL; DON鈥橳 SCREW UP
AGAIN LIKE THE LAST TIME.</b></p>
<p><b>聽</b></p>
<p>-聽聽聽聽聽聽聽聽聽
Earn interest in an interest-bearing savings or
CD account:</p>
<p> 聽 聽 聽 聽 聽 聽 聽 Not all
banks are created equal; which is why most are banking wrong: 聽 </p>
<p> 聽 聽 聽 聽 聽 聽 聽 <b>BANK
OF AMERICA</b>: 聽This is a 鈥渇ee city鈥
bank. 聽You name it, they have a fee
attached</p>
<p><b>TD
BANK</b>: 聽This is a bank with convoluted
morals. 聽Good luck banking in this
environment; more horseshit then you can shake a stick
at! 聽</p>
<p>聽- 聽 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: 聽POSTED 05/06/2018 STARTING OUT FROM SCRATCH 鈥 POST #1 IN MY SERIES BUDGET...

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

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