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THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOG and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. CHILD TAX CREDIT 2021: WHAT SHOULD WE DO WITH IT? [BREAD Based on our income this year, we will be receiving the tax credit starting in July and could be upwards of $250 per month (per child) starting in July. Once again, Nicole and I completely disagree with what to do with this new money. We debate how we should use it and options for other families to figure out their plans for the stimulusmoney.
THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! PODCAST – MARRIAGE KIDS & MONEY Andy Hill is the award-winning blogger and podcaster behind Marriage Kids and Money which is dedicated to helping young families build wealth and thrive.. Andy's personal finance experience has been featured in major media outlets like CNBC, Business Insider, MarketWatch and NBC News.Trusted as a personal finance influencer by national financial brands, Andy’s message of family INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTING More risk involved. When you buy single stocks, you take a bigger risk than if you buy index funds. Investing in individual stocks is essentially picking which companies will be the future winners. Electric (GE) ‘s average stock price was around $51. The stock price progressively declined and traded at SHOULD I INVEST IN CRYPTOCURRENCY? 13 PERSONAL FINANCE Just this morning, we moved $5,000 over from our individual stocks in the more crypto to kind of just play the crypto wave that's going on right now.”. 13. Melissa (from Traveling Wallet) “It's intriguing. There's still a lot about cryptocurrency that a lot of us don'tunderstand.
HOW TO INVEST ON YOUR OWN WITHOUT A FINANCIAL ADVISOR With this new knowledge, you can have more engaged conservations with a fee-only financial advisor and you’ll feel more equipped to invest on your own if you choose to. If you’d prefer to listen to your books instead of reading them, try Audible for free for 30 days. I love it. 3. Choose a Low-Cost Brokerage Firm. WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
140 EMPOWERING QUOTES ABOUT MONEY AND PERSONAL FINANCE Quotes About Making Money. “Diligence is the mother of good luck.”. — Benjamin Franklin. “What you do speaks so loudly that I cannot hear what you say.”. — Ralph Waldo Emerson. “The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark HOW TO INCREASE YOUR NET WORTH TO $1,000,000 IN 10 YEARS Funded our daughter's 529 Savings Account with $10,000 when she was born. Traveled to Puerto Rico for a nice getaway over the holidays. ** Net Worth Total (February 2013) = $210,000 **. 6. Get a 15-Year Mortgage. When we finally bought our dream home, the cash savings we amassed allowed us to put down 45%. WHEN AN 18-YEAR OLD LEARNS HOW TO BECOME A MILLIONAIRE Investing in low cost index funds at 18-years old is an excellent way to become a millionaire and retire comfortably. Since not all of us are 18, I'm sharing 5 easy ways for us to have a comfortable retirement and reach 7-figure status as well. HOW DO WE SPLIT EXPENSES AS A MARRIED COUPLE? Once you've determined what is and is not a joint expense, then multiply your contribution percentage by the estimated joint expense total. (ex. 60% x $5,000 = $3,000 for you and 40% x $5,000 = $2,000 for him) You could break that up the amount for each HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOG and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. CHILD TAX CREDIT 2021: WHAT SHOULD WE DO WITH IT? [BREAD Based on our income this year, we will be receiving the tax credit starting in July and could be upwards of $250 per month (per child) starting in July. Once again, Nicole and I completely disagree with what to do with this new money. We debate how we should use it and options for other families to figure out their plans for the stimulusmoney.
5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM $400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
RECESSION-PROOF: FROM BANKRUPT TO YOUNG MILLIONAIRE IN 10 In March of 2019, he crested the million-dollar mark in his net worth. Despite the Great Recession and his bankruptcy, Patrick became a young millionaire. Then, July of that same year, he essentially doubled his credit score. After filing for bankruptcy, he says his credit scorewas around 415.
WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOG and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. CHILD TAX CREDIT 2021: WHAT SHOULD WE DO WITH IT? [BREAD Based on our income this year, we will be receiving the tax credit starting in July and could be upwards of $250 per month (per child) starting in July. Once again, Nicole and I completely disagree with what to do with this new money. We debate how we should use it and options for other families to figure out their plans for the stimulusmoney.
5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM $400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
RECESSION-PROOF: FROM BANKRUPT TO YOUNG MILLIONAIRE IN 10 In March of 2019, he crested the million-dollar mark in his net worth. Despite the Great Recession and his bankruptcy, Patrick became a young millionaire. Then, July of that same year, he essentially doubled his credit score. After filing for bankruptcy, he says his credit scorewas around 415.
WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTING More risk involved. When you buy single stocks, you take a bigger risk than if you buy index funds. Investing in individual stocks is essentially picking which companies will be the future winners. Electric (GE) ‘s average stock price was around $51. The stock price progressively declined and traded at PODCAST – MARRIAGE KIDS & MONEY Andy Hill is the award-winning blogger and podcaster behind Marriage Kids and Money which is dedicated to helping young families build wealth and thrive.. Andy's personal finance experience has been featured in major media outlets like CNBC, Business Insider, MarketWatch and NBC News.Trusted as a personal finance influencer by national financial brands, Andy’s message of family SHOULD I INVEST IN CRYPTOCURRENCY? 13 PERSONAL FINANCE Just this morning, we moved $5,000 over from our individual stocks in the more crypto to kind of just play the crypto wave that's going on right now.”. 13. Melissa (from Traveling Wallet) “It's intriguing. There's still a lot about cryptocurrency that a lot of us don'tunderstand.
WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
MY HUSBAND WANTS SEPARATE BANK ACCOUNTS (BUT I DON'T With money fights being a top reason for marital fights and divorce, this is an important issue to tackle for couples. In our podcast interview, Rachel and I also discuss her thoughts on the Enneagram Test, how she differs in opinions from her Dad (Dave Ramsey) and what she thinks of the FIRE Community. My Husband Wants Separate BankAccounts.
HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. 140 EMPOWERING QUOTES ABOUT MONEY AND PERSONAL FINANCE Quotes About Making Money. “Diligence is the mother of good luck.”. — Benjamin Franklin. “What you do speaks so loudly that I cannot hear what you say.”. — Ralph Waldo Emerson. “The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark HOW DO WE SPLIT EXPENSES AS A MARRIED COUPLE? Once you've determined what is and is not a joint expense, then multiply your contribution percentage by the estimated joint expense total. (ex. 60% x $5,000 = $3,000 for you and 40% x $5,000 = $2,000 for him) You could break that up the amount for each WHY I DID A 401K ROLLOVER AFTER LEAVING MY JOB (AND HOW I Simplify the Portfolio. Another major benefit of rolling over the 401k accounts was the simplification that came with our updated portfolio. Before we did the move . Nicole’s 401k was with JP Morgan. My 401k was with Lincoln Financial. Our IRA accounts were with Fidelity. It was just too many accounts with too many different partners. HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOG and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. CHILD TAX CREDIT 2021: WHAT SHOULD WE DO WITH IT? [BREAD Based on our income this year, we will be receiving the tax credit starting in July and could be upwards of $250 per month (per child) starting in July. Once again, Nicole and I completely disagree with what to do with this new money. We debate how we should use it and options for other families to figure out their plans for the stimulusmoney.
INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. 5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOG and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. CHILD TAX CREDIT 2021: WHAT SHOULD WE DO WITH IT? [BREAD Based on our income this year, we will be receiving the tax credit starting in July and could be upwards of $250 per month (per child) starting in July. Once again, Nicole and I completely disagree with what to do with this new money. We debate how we should use it and options for other families to figure out their plans for the stimulusmoney.
INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTINGSEE MORE ON MARRIAGEKIDSANDMONEY.COM THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. 5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. 5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! PODCAST – MARRIAGE KIDS & MONEY Andy Hill is the award-winning blogger and podcaster behind Marriage Kids and Money which is dedicated to helping young families build wealth and thrive.. Andy's personal finance experience has been featured in major media outlets like CNBC, Business Insider, MarketWatch and NBC News.Trusted as a personal finance influencer by national financial brands, Andy’s message of family KID'S BOOKS ABOUT MONEY: 10 CHILDREN'S STORIES TO DEVELOP 6. One Cent, Two Cents, Old Cent, New Cent: All About Money. Similar to other Dr. Seuss books, this one includes creative rhymes and illustrations that keep kids engaged. They also walk through interesting facts about money, different denominations, and where the idea of money even came from! WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
SHOULD I INVEST IN CRYPTOCURRENCY? 13 PERSONAL FINANCE Just this morning, we moved $5,000 over from our individual stocks in the more crypto to kind of just play the crypto wave that's going on right now.”. 13. Melissa (from Traveling Wallet) “It's intriguing. There's still a lot about cryptocurrency that a lot of us don'tunderstand.
RECESSION-PROOF: FROM BANKRUPT TO YOUNG MILLIONAIRE IN 10 In March of 2019, he crested the million-dollar mark in his net worth. Despite the Great Recession and his bankruptcy, Patrick became a young millionaire. Then, July of that same year, he essentially doubled his credit score. After filing for bankruptcy, he says his credit scorewas around 415.
HOW WE PAID OFF OUR MORTGAGE IN 5 YEARS 15-Year Mortgage ($161,400 – $11,977 = $149,423) We decided to go with a 15-year mortgage to allow for higher principal payments and an overall shorter window for paying it all off. We got a 3% fixed rate with no points. Going with a 15-year mortgage versus HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
HOW DO WE SPLIT EXPENSES AS A MARRIED COUPLE? Once you've determined what is and is not a joint expense, then multiply your contribution percentage by the estimated joint expense total. (ex. 60% x $5,000 = $3,000 for you and 40% x $5,000 = $2,000 for him) You could break that up the amount for each WHY I DID A 401K ROLLOVER AFTER LEAVING MY JOB (AND HOW I Simplify the Portfolio. Another major benefit of rolling over the 401k accounts was the simplification that came with our updated portfolio. Before we did the move . Nicole’s 401k was with JP Morgan. My 401k was with Lincoln Financial. Our IRA accounts were with Fidelity. It was just too many accounts with too many different partners. HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOGANDY HILL MARRIAGE KIDS AND MONEYMARRIAGE KIDS AND MONEY PODCASTMARRIAGE AND FINANCES RELATIONSHIP and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. 5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. RECESSION-PROOF: FROM BANKRUPT TO YOUNG MILLIONAIRE IN 10 In March of 2019, he crested the million-dollar mark in his net worth. Despite the Great Recession and his bankruptcy, Patrick became a young millionaire. Then, July of that same year, he essentially doubled his credit score. After filing for bankruptcy, he says his credit scorewas around 415.
WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
HOW DO WE SPLIT EXPENSES AS A MARRIED COUPLE? Once you've determined what is and is not a joint expense, then multiply your contribution percentage by the estimated joint expense total. (ex. 60% x $5,000 = $3,000 for you and 40% x $5,000 = $2,000 for him) You could break that up the amount for each HOME – MARRIAGE KIDS & MONEYABOUTRESOURCESWORK WITH MECONTACTPODCASTBLOGANDY HILL MARRIAGE KIDS AND MONEYMARRIAGE KIDS AND MONEY PODCASTMARRIAGE AND FINANCES RELATIONSHIP and live financially free. If you're looking to take your young family to the next level and experience more wealth and happiness, you're in the right place. This isn't about becoming rich, it's about developing the life you've always dreamed of. A life of financial freedom and a family legacy that will last for generations. 5 MAJOR MONEY MISTAKES I'VE MADE (AND HOW YOU CAN AVOID THEM) Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 1. Buying an Expensive Home I Couldn’t Afford. In 2004, I bought my first home. I was so proud to be a homeowner at 22 years old. My First House! WHAT IS THE BEST WAY TO INVEST FOR MY CHILD'S FUTURE? Put in a conservative 7% interest rate. Hit “Calculate”. Take that total amount and multiply it by 4% to understand how much you can safely live on in retirement. (ex. $1,000,000 x 4% = $40,000 per year) Ask yourself if you can live on that amount comfortably in retirement. 10 INCREDIBLE BENEFITS OF A PAID OFF HOUSE If paying off your mortgage sounds interesting to you, here are 10 compelling benefits of a paid off house. 1. Decreased Annual Living Expenses. According to the US Department of Labor, the largest expense in the typical American family’s household budget is their mortgageor rent.
$400,000 HOME PAID OFF IN LESS THAN 4 YEARS Huge Down Payment ($350,000 – $155,000 = $195,000) By living on a consistent monthly budget and saving over 50% of our income for multiple years, we were able to amass $155,000 for our down payment. This was essentially 45% down on the new house! We figured, the less mortgage we had, the quicker we’d be able to pay it off. RECESSION-PROOF: FROM BANKRUPT TO YOUNG MILLIONAIRE IN 10 In March of 2019, he crested the million-dollar mark in his net worth. Despite the Great Recession and his bankruptcy, Patrick became a young millionaire. Then, July of that same year, he essentially doubled his credit score. After filing for bankruptcy, he says his credit scorewas around 415.
WHAT TO DO AFTER YOU PAY OFF YOUR MORTGAGE: THESE 10 STEPS 1. Request a Mortgage Payoff Statement. I thought we could just send in the last mortgage payment and we’d be all set. Nope! Evidently, you need to call your mortgage company and verbally request a “mortgage payoff statement”. A mortgage payoff statement is a document that details your loan balance – how much you owe on yourmortgage.
HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. HOW TO CELEBRATE PAYING OFF YOUR MORTGAGE EARLY Cut your mortgage into thin strips. Mix one cup of flour and one cup of water. You may need to double or triple this amount depending on the size of your balloon. Dip mortgage papers in the flour-water mixture and place them on the balloon. Set your paper mache coveredballoon off to
HOW DO WE SPLIT EXPENSES AS A MARRIED COUPLE? Once you've determined what is and is not a joint expense, then multiply your contribution percentage by the estimated joint expense total. (ex. 60% x $5,000 = $3,000 for you and 40% x $5,000 = $2,000 for him) You could break that up the amount for each HOW TO START INVESTING TODAY IN 10 SIMPLE STEPS Photo by Zach Betten on Unsplash. Now that we’ve talked about where to invest, let’s talk about how to invest. If you want to keep things simple because you have a million other things to worry about, I’d recommend looking into index funds.. Index funds track an index, like the S&P 500, and they mirror their performance. PODCAST – MARRIAGE KIDS & MONEY Andy Hill is the award-winning blogger and podcaster behind Marriage Kids and Money which is dedicated to helping young families build wealth and thrive.. Andy's personal finance experience has been featured in major media outlets like CNBC, Business Insider, MarketWatch and NBC News.Trusted as a personal finance influencer by national financial brands, Andy’s message of family INDEX FUNDS VS. INDIVIDUAL STOCKS: HOW TO KEEP INVESTING More risk involved. When you buy single stocks, you take a bigger risk than if you buy index funds. Investing in individual stocks is essentially picking which companies will be the future winners. Electric (GE) ‘s average stock price was around $51. The stock price progressively declined and traded at 26 SMART WAYS FOR MOMS AND DADS TO MAKE MORE MONEY 8. Public Speaking. While many people list public speaking as their biggest fear, if you are comfortable speaking in front of groups of people, you can make money as a public speaker. You can get hired by events, conferences, schools, universities, corporations, and more. 9. THE DISADVANTAGES OF PAYING OFF YOUR MORTGAGE Con #2: Less Liquidity. Another counterpoint to a paid off house is less liquidity. Again, I could not agree more. Our home is paid off and it’s valued around $450,000. That’s $450,000 that we can’t touch, invest or use unless we sell the home or borrow from it with a Home Equity Line of Credit. HOW THIS TEACHER MADE A MILLION DOLLARS IN THE STOCK Ever want to know how regular people make a million dollars in the stock market? High school teacher Brian Weitzel tells us how he did it. By age 35, high school teacher Brian Weitzel already had a net worth of a million dollars, a successful photography business, several rental properties, and a padded nest egg. Before 40, he's amassed a million-dollar investment portfolio. THE TOP 3 REASONS MARRIAGES END (AND HOW TO PREVENT IT 30. One of the most important decisions anyone can make is who you choose to spend your life with. Marriage impacts us emotionally, socially, legally, financially, and in so many other ways. While the divorce rate in America is dropping, so is the marriage rate. That means married couples understand marriage is important, we might notknow
HOW WE PAID OFF OUR MORTGAGE IN 5 YEARS 15-Year Mortgage ($161,400 – $11,977 = $149,423) We decided to go with a 15-year mortgage to allow for higher principal payments and an overall shorter window for paying it all off. We got a 3% fixed rate with no points. Going with a 15-year mortgage versus WHY THE RACIAL WEALTH GAP EXISTS (AND WHAT YOU CAN DO TO HELP) In, “ The economic impact of closing the racial wealth gap, ” McKinsey & Company highlights that the racial wealth gap between a White family and a Black family grew from $100,000 in 1992, to $154,000 in 2016. According to a recent study by Northwestern University for every dollar a White family has, a Black family has onecent.
WHEN AN 18-YEAR OLD LEARNS HOW TO BECOME A MILLIONAIRE Investing in low cost index funds at 18-years old is an excellent way to become a millionaire and retire comfortably. Since not all of us are 18, I'm sharing 5 easy ways for us to have a comfortable retirement and reach 7-figure status as well.Skip to content
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* Achieve Financial Independence * Become a Young Millionaire* Fintech Spotlight
* Give Back
* Pay Off Your Mortgage Early * Raise Money-Smart Kids * Strengthen Your Marriage* Resources
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* Home
* About
*
Podcast
* Achieve Financial Independence * Become a Young Millionaire* Fintech Spotlight
* Giving Back
* Pay Off Your Mortgage Early * Raise Money-Smart Kids * Strengthen Your Marriage*
Blog
* Achieve Financial Independence * Become a Young Millionaire* Fintech Spotlight
* Give Back
* Pay Off Your Mortgage Early * Raise Money-Smart Kids * Strengthen Your Marriage* Resources
* Work With Me
* Contact
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