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Butt, Friday, and Girls: Good morning gorgeous Mornin ( So I'm writing this book I've been working on it for a while, but I'm just stuck and have been for ages It's called "girls l'll disappoint in my 20's." wanna be in a chapter? Today 10:59 AM Do I get my own chapter? Oh for sure, I've gotta go over everything I could've done differently to make sure thatl don't fuck it up next time 'round Sounds like a lot of work Nah, after disappointing so many times it comes naturally Something you're quite proud of lol What'll be the name of my chapter? Or is that something you name afterwards? Today 12:54 PM Megan all the wrong choices How's that Disappointing You're doing well I can only go up from here My plan is working perfectly Oh? I'm just imagining you sitting there rubbing your hands together like an evil villain lol Oh yeah that's exactly what is happening here. Got my master plan right on track Next step is to make an awful first date and me dress up. n shist is about as nice Nah we're gonna find a nice bridge, cra open a carton of eggs and have some hobo chili Lmfao That sounds interesting Do the eggs go in the chili or do I get to throw them? Nah we throw them at each other, and let our body heat cook them. Just like how they did in the old days SWEET After that we can go to the local fountain and swim for a bit before qetting dessert Today 4:24 PM Can we get beignets? Today 4:42 PM Fine but you're paying Gonna be the worst date ever Ok so long as you're cooking the hobo chili K but in gonna burn it Fair warning When is this date? And there are gonna be a few hairs in it Extra flavor Oh god When are you free? I've got a butt load of work till Friday afternoon : I'm free Friday That works for me Cool Here's my number T Hobo chili
Butt, Friday, and Girls: Good morning gorgeous
 Mornin (
 So I'm writing this book
 I've been working on it for a while, but I'm
 just stuck and have been for ages
 It's called "girls l'll disappoint in my 20's."
 wanna be in a chapter?
 Today 10:59 AM
 Do I get my own chapter?
 Oh for sure, I've gotta go over everything I
 could've done differently to make sure thatl
 don't fuck it up next time 'round
 Sounds like a lot of work
 Nah, after disappointing so many times it
 comes naturally
 Something you're quite proud of lol
 What'll be the name of my chapter?
 Or is that something you name afterwards?
 Today 12:54 PM
 Megan all the wrong choices
 How's that
 Disappointing
 You're doing well
 I can only go up from here
 My plan is working perfectly
 Oh?
 I'm just imagining you sitting there rubbing
 your hands together like an evil villain lol
 Oh yeah that's exactly what is happening
 here. Got my master plan right on track
 Next step is to make an awful first date
 and
 me dress up.
 n shist is about as nice
 Nah we're gonna find a nice bridge, cra
 open a carton of eggs and have some hobo
 chili
 Lmfao
 That sounds interesting
 Do the eggs go in the chili or do I get to
 throw them?
 Nah we throw them at each other, and let
 our body heat cook them. Just like how they
 did in the old days
 SWEET
 After that we can go to the local fountain
 and swim for a bit before qetting dessert
 Today 4:24 PM
 Can we get beignets?
 Today 4:42 PM
 Fine but you're paying
 Gonna be the worst date ever
 Ok so long as you're cooking the hobo
 chili
 K but in gonna burn it
 Fair warning
 When is this date?
 And there are gonna be a few hairs in it
 Extra flavor
 Oh god
 When are you free?
 I've got a butt load of work till Friday
 afternoon
 : I'm free Friday
 That works for me
 Cool
 Here's my number
 T
Hobo chili

Hobo chili

Abc, Being Alone, and America: . Outdoor cats face danger from cars, disease, predators and cruel humans Domestic cats DO NOT belong outdoors as they're not a natural part of our ecosystem. They're a genetically modified species & a non-native, invasive predator Cats kill up to 3.7 billion birds 20.7 billion mammals, 800 million lizards and 300 million frogs every year. . Domestic pets like dogs & ferrets & even exotic pets like snakes & lizards do not roam free & hunt outside. Why should cats? A 2011 study indicates that cats have caused the extinction of 33 species of birds, mammals and reptiles kaijutegu: fantasticbeastsandhowtokeepthem: wildlife-rehabilitator: hotcommunist: withgoldenfire: hotcommunist: findchaos: wildlife-rehabilitator: Some of you may have seen my reply to a post and the ask I received about outdoor cats, so here is a little infographic about outdoor cats. Don’t let your cats outside.Don’t let your cats outside.Don’t let your cast outside. No exceptions. Nope, I don’t care if Muffles is super-special and adventurous. Nope, still don’t care that it’s different where you live. Please refer to the original bullet points.  (*gets ready to hit ‘Block’ on a thousand angry cat owners*) this is a mess have you gobshites genuinely never fucking heard of farm cats jesus wept, if i never see another fucking townie animal rights activist it’ll be too fucking soon. the current political system we live under doesn’t give a fuck about nature. wildlife charities have had a huge downward swoop in donations due to the recession caused by the powers that be, fracking is being done on national parks and nature reserves, roads are hastily built through wildlife rich areas and adequate warning signage is not provided… but no, it’s us ordinary people and our pesky outdoor cats that are the cause of…extinct….species…? really? is this the hill u want to die on OP??? get back 2 me I’m not refuting that humans kill far more animals than cats do, but over a billion animals are killed annually in the US by outdoor cats. That’s also a huge problem. I’m also aware that wildlife rescue organizations are losing donations - I’m the vice president and co-founder of a 501©(3) non-profit organization and not only do we scrape by on small donations while dozens of animals come in a month, many of which are injured by cats. We just had to euthanize a yearling squirrel because it was mauled by a cat and had full hind-end paralysis from the attack. Believe me, I understand. “An estimated 60 to 88 million cats are owned in the US and an estimated 60 million more are feral… While loss of habitat is the primary cause of extinction, cats are responsible for the extinction of 33 species of birds worldwide. Cats kill an estimated 480 million birds per year (assuming eight birds killed per feral cat per year.)” That is a grossly conservative number, and only accounts for feral cats, not outdoor pets. And that’s just birds. Plus the other wildlife that are killed by cats annually. Here’s another resource, a smaller scale research program called Kitty Cams: “Hunting cats captured an average of 2 items during seven days of roaming. Carolina anoles (small lizards) were the most common prey species followed by Woodland Voles (small mammals). Only one of the vertebrates captured was a non-native species (a House Mouse).” From the same group: “44% of cats were witnessed stalking or chasing prey; 30% captured wildlife.” An article from Mental Floss, sources listed at the bottom of the article:  “84 million House cats in the United States 4 to 18 Birds killed by a typical house cat every year 8 to 21 Small mammals killed by a typical house cat every year 30 million to 80 million Free-roaming, feral cats estimated to be living in the United States. They either survive alone or live in colonies. In Washington, D.C., for example, there are estimated to be some 300 outdoor cat colonies. 23 to 46 Birds killed by each feral cat every year 129 to 338 Small mammals killed by each feral cat every year 1.4 billion to 3.7 billion Total birds killed by America’s cats every year 15 Percentage of all bird deaths estimated to come at the hands — er, paws — of cats 6.9 billion to 20.7 billion Total small mammals killed by cats every year” From a report on ABC News: “Cats are responsible for the deaths of 1.4 to 3.7 billion birds and 6.9 to 20.7 billion mammals every year, according to research conducted by the Smithsonian Conservation Biology Institute and the U.S. Fish and Wildlife Service.” From the American Bird Conservancy: “If we extrapolate the results of this study across the country and include feral cats, we find that cats are likely killing more than 4 billion animals per year, including at least 500 million birds.” (Also you’re putting your cat in unnecessary danger from tons of different threats by letting them outside unsupervised. So even if you don’t wanna give a shit about wildlife, maybe try giving a shit about your cat’s health life.) (Also farm cats are often not treated well, not provided with proper veterinary care, and there are other options for rodent control that doesn’t put other wildlife in as much danger) also consider: this is 100% something that you, as an individual, can do to mitigate some of the natural disaster that is the anthropocene. We’re on track to lose something like 80% of global biodiversity by the end of the century, and there’s almost nothing that your average citizen can do about it. But keeping your cats inside to help preserve local biodiversity and mitigating the damage that ferals do is actually something that you can do. 
Abc, Being Alone, and America: . Outdoor cats face danger
 from cars, disease, predators
 and cruel humans
 Domestic cats DO NOT
 belong outdoors as they're
 not a natural part of our
 ecosystem. They're a
 genetically modified species
 & a non-native, invasive
 predator
 Cats kill up to 3.7 billion birds
 20.7 billion mammals,
 800 million lizards and 300
 million frogs every year.
 . Domestic pets like dogs
 & ferrets & even exotic pets
 like snakes & lizards do not
 roam free & hunt outside.
 Why should cats?
 A 2011 study indicates
 that cats have caused the
 extinction of 33 species of
 birds, mammals and reptiles
kaijutegu:

fantasticbeastsandhowtokeepthem:

wildlife-rehabilitator:

hotcommunist:

withgoldenfire:

hotcommunist:

findchaos:

wildlife-rehabilitator:

Some of you may have seen my reply to a post and the ask I received about outdoor cats, so here is a little infographic about outdoor cats.

Don’t let your cats outside.Don’t let your cats outside.Don’t let your cast outside.
No exceptions. Nope, I don’t care if Muffles is super-special and adventurous. Nope, still don’t care that it’s different where you live. Please refer to the original bullet points. 
(*gets ready to hit ‘Block’ on a thousand angry cat owners*)

this is a mess

have you gobshites genuinely never fucking heard of farm cats jesus wept, if i never see another fucking townie animal rights activist it’ll be too fucking soon.

the current political system we live under doesn’t give a fuck about nature. wildlife charities have had a huge downward swoop in donations due to the recession caused by the powers that be, fracking is being done on national parks and nature reserves, roads are hastily built through wildlife rich areas and adequate warning signage is not provided…
but no, it’s us ordinary people and our pesky outdoor cats that are the cause of…extinct….species…? really? is this the hill u want to die on OP??? get back 2 me


I’m not refuting that humans kill far more animals than cats do, but over a billion animals are killed annually in the US by outdoor cats. That’s also a huge problem. I’m also aware that wildlife rescue organizations are losing donations - I’m the vice president and co-founder of a 501©(3) non-profit organization and not only do we scrape by on small donations while dozens of animals come in a month, many of which are injured by cats. We just had to euthanize a yearling squirrel because it was mauled by a cat and had full hind-end paralysis from the attack. Believe me, I understand.
“An estimated 60 to 88 million cats are owned in the US and an estimated 60 million more are feral… While loss of habitat is the primary cause of extinction, cats are responsible for the extinction of 33 species of birds worldwide. Cats kill an estimated 480 million birds per year (assuming eight birds killed per feral cat per year.)” That is a grossly conservative number, and only accounts for feral cats, not outdoor pets. And that’s just birds. Plus the other wildlife that are killed by cats annually.
Here’s another resource, a smaller scale research program called Kitty Cams: “Hunting cats captured an average of 2 items during seven days of roaming. Carolina anoles (small lizards) were the most common prey species followed by Woodland Voles (small mammals). Only one of the vertebrates captured was a non-native species (a House Mouse).” From the same group: “44% of cats were
witnessed stalking or
chasing prey; 30% captured
wildlife.”


An article from Mental Floss, sources listed at the bottom of the article: 


“84 million House cats in the United States
4 to 18 Birds killed by a typical house cat every year
8 to 21 Small mammals killed by a typical house cat every year
30 million to 80 million Free-roaming, feral cats estimated to be living in the United States. They either survive alone or live in colonies. In Washington, D.C., for example, there are estimated to be some 300 outdoor cat colonies.
23 to 46 Birds killed by each feral cat every year
129 to 338 Small mammals killed by each feral cat every year
1.4 billion to 3.7 billion Total birds killed by America’s cats every year
15 Percentage of all bird deaths estimated to come at the hands — er, paws — of cats
6.9 billion to 20.7 billion Total small mammals killed by cats every year”
From a report on ABC News: “Cats are responsible for the deaths of 1.4 to 3.7 billion birds and 6.9 to 20.7 billion mammals every year, according to research conducted by the Smithsonian Conservation Biology Institute and the U.S. Fish and Wildlife Service.”


From the American Bird Conservancy: “If we extrapolate the results of this study across the country and include feral cats, we find that cats are likely killing more than 4 billion animals per year, including at least 500 million birds.” 



(Also you’re putting your cat in unnecessary danger from tons of different threats by letting them outside unsupervised. So even if you don’t wanna give a shit about wildlife, maybe try giving a shit about your cat’s health  life.)
(Also farm cats are often not treated well, not provided with proper veterinary care, and there are other options for rodent control that doesn’t put other wildlife in as much danger)

also consider: this is 100% something that you, as an individual, can do to mitigate some of the natural disaster that is the anthropocene. We’re on track to lose something like 80% of global biodiversity by the end of the century, and there’s almost nothing that your average citizen can do about it. But keeping your cats inside to help preserve local biodiversity and mitigating the damage that ferals do is actually something that you can do. 

kaijutegu: fantasticbeastsandhowtokeepthem: wildlife-rehabilitator: hotcommunist: withgoldenfire: hotcommunist: findchaos: wildlife-r...

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 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...