Looking Like
Looking Like

Looking Like

Im Going
Im Going

Im Going

Im Going To
Im Going To

Im Going To

Im Going To College
Im Going To College

Im Going To College

I Love My
I Love My

I Love My

Doing Something
Doing Something

Doing Something

17 Year Old
17 Year Old

17 Year Old

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Doing

Doing

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🔥 | Latest

College, Go to Sleep, and Head: Reasons why I hate students loans As a kid, I never liked owing people money l never liked that someone could hold that over my head and follow me every step I took. sin When it came time to pay for college it took my mother and her extended relatives everything they had just to make the down payment. It felt wrong to be taking from people who had sacrificed so much already I once saw a sign at another university that said, "by cutting Starbucks you can save more than $2,000 a year What they don't advertise on the glossy college brochures: Losing weight because you skipped lunch for the fourth time that week comes free with the tuition. On days when I've run out of pepper, hunger is the best seasoning I know. I've tasted instant noodles so many times I can tell the flavor by the sound of powder hitting water. parents sacrificed everything to come to this country to give me a better life. My when l call my mother."I tell her I'm doing fine, but she can hear the tiredness in my voice and she says she's sorry she's not able to do more for me. They told me college would be expensive I just didn't expect to pay an arm and a leg to be a part of this student body. I'm missing office hours because of work. l'm missing work to study because I missed office hours. I'm missing the test because I overslept because I spent all night working They said by going to college I would be working towards mý dreams, now when I go to sleep at night, I don't dream anymore. @studentlifeproblems
College, Go to Sleep, and Head: Reasons why I hate students loans
 As a kid, I never liked owing people money
 l never liked that someone could hold that over
 my head and follow me every step I took.
 sin
 When it came time to pay for college it took my mother
 and her extended relatives everything they had just
 to make the down payment.
 It felt wrong to be taking from people
 who had sacrificed so much already
 I once saw a sign at another university that said, "by
 cutting Starbucks you can save more than $2,000 a year
 What they don't advertise on the glossy college brochures:
 Losing weight because you skipped lunch for the fourth
 time that week comes free with the tuition.
 On days when I've run out of pepper, hunger is the best
 seasoning I know. I've tasted instant noodles so many times
 I can tell the flavor by the sound of powder hitting water.
 parents sacrificed everything to come
 to this country to give me a better life.
 My
 when l call my mother."I tell her I'm doing fine, but
 she can hear the tiredness in my voice and she says
 she's sorry she's not able to do more for me.
 They told me college would be expensive
 I just didn't expect to pay an arm and a leg
 to be a part of this student body.
 I'm missing office hours because of work. l'm missing work
 to study because I missed office hours. I'm missing the test
 because I overslept because I spent all night working
 They said by going to college I would be
 working towards mý dreams, now when I
 go to sleep at night, I don't dream anymore.
@studentlifeproblems

@studentlifeproblems

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...

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:  </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>
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:  </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>

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

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 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!
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 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!

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

College, Go to Sleep, and Head: Reasons why I hate students loans As a kid, I never liked owing people money l never liked that someone could hold that over my head and follow me every step I took. sin When it came time to pay for college it took my mother and her extended relatives everything they had just to make the down payment. It felt wrong to be taking from people who had sacrificed so much already I once saw a sign at another university that said, "by cutting Starbucks you can save more than $2,000 a year What they don't advertise on the glossy college brochures: Losing weight because you skipped lunch for the fourth time that week comes free with the tuition. On days when I've run out of pepper, hunger is the best seasoning I know. I've tasted instant noodles so many times I can tell the flavor by the sound of powder hitting water. parents sacrificed everything to come to this country to give me a better life. My when l call my mother."I tell her I'm doing fine, but she can hear the tiredness in my voice and she says she's sorry she's not able to do more for me. They told me college would be expensive I just didn't expect to pay an arm and a leg to be a part of this student body. I'm missing office hours because of work. l'm missing work to study because I missed office hours. I'm missing the test because I overslept because I spent all night working They said by going to college I would be working towards mý dreams, now when I go to sleep at night, I don't dream anymore. studentlifeproblems: If you are a student Follow @studentlifeproblems​
College, Go to Sleep, and Head: Reasons why I hate students loans
 As a kid, I never liked owing people money
 l never liked that someone could hold that over
 my head and follow me every step I took.
 sin
 When it came time to pay for college it took my mother
 and her extended relatives everything they had just
 to make the down payment.
 It felt wrong to be taking from people
 who had sacrificed so much already
 I once saw a sign at another university that said, "by
 cutting Starbucks you can save more than $2,000 a year
 What they don't advertise on the glossy college brochures:
 Losing weight because you skipped lunch for the fourth
 time that week comes free with the tuition.
 On days when I've run out of pepper, hunger is the best
 seasoning I know. I've tasted instant noodles so many times
 I can tell the flavor by the sound of powder hitting water.
 parents sacrificed everything to come
 to this country to give me a better life.
 My
 when l call my mother."I tell her I'm doing fine, but
 she can hear the tiredness in my voice and she says
 she's sorry she's not able to do more for me.
 They told me college would be expensive
 I just didn't expect to pay an arm and a leg
 to be a part of this student body.
 I'm missing office hours because of work. l'm missing work
 to study because I missed office hours. I'm missing the test
 because I overslept because I spent all night working
 They said by going to college I would be
 working towards mý dreams, now when I
 go to sleep at night, I don't dream anymore.
studentlifeproblems:

If you are a student Follow @studentlifeproblems​

studentlifeproblems: If you are a student Follow @studentlifeproblems​

College, Go to Sleep, and Head: Reasons why I hate students loans As a kid, I never liked owing people money l never liked that someone could hold that over my head and follow me every step I took. sin When it came time to pay for college it took my mother and her extended relatives everything they had just to make the down payment. It felt wrong to be taking from people who had sacrificed so much already I once saw a sign at another university that said, "by cutting Starbucks you can save more than $2,000 a year What they don't advertise on the glossy college brochures: Losing weight because you skipped lunch for the fourth time that week comes free with the tuition. On days when I've run out of pepper, hunger is the best seasoning I know. I've tasted instant noodles so many times I can tell the flavor by the sound of powder hitting water. parents sacrificed everything to come to this country to give me a better life. My when l call my mother."I tell her I'm doing fine, but she can hear the tiredness in my voice and she says she's sorry she's not able to do more for me. They told me college would be expensive I just didn't expect to pay an arm and a leg to be a part of this student body. I'm missing office hours because of work. l'm missing work to study because I missed office hours. I'm missing the test because I overslept because I spent all night working They said by going to college I would be working towards mý dreams, now when I go to sleep at night, I don't dream anymore. If you are a student Follow @studentlifeproblems​
College, Go to Sleep, and Head: Reasons why I hate students loans
 As a kid, I never liked owing people money
 l never liked that someone could hold that over
 my head and follow me every step I took.
 sin
 When it came time to pay for college it took my mother
 and her extended relatives everything they had just
 to make the down payment.
 It felt wrong to be taking from people
 who had sacrificed so much already
 I once saw a sign at another university that said, "by
 cutting Starbucks you can save more than $2,000 a year
 What they don't advertise on the glossy college brochures:
 Losing weight because you skipped lunch for the fourth
 time that week comes free with the tuition.
 On days when I've run out of pepper, hunger is the best
 seasoning I know. I've tasted instant noodles so many times
 I can tell the flavor by the sound of powder hitting water.
 parents sacrificed everything to come
 to this country to give me a better life.
 My
 when l call my mother."I tell her I'm doing fine, but
 she can hear the tiredness in my voice and she says
 she's sorry she's not able to do more for me.
 They told me college would be expensive
 I just didn't expect to pay an arm and a leg
 to be a part of this student body.
 I'm missing office hours because of work. l'm missing work
 to study because I missed office hours. I'm missing the test
 because I overslept because I spent all night working
 They said by going to college I would be
 working towards mý dreams, now when I
 go to sleep at night, I don't dream anymore.
If you are a student Follow @studentlifeproblems​

If you are a student Follow @studentlifeproblems​