Publicado en finanzas

Tips for How to Get Out of Debt Now! 

How to get out of debt? Here’s 7 tips to help get your started.

Make a budget, organize your loans, and put your money to work to knock out your debt.

Getting into debt is easy. Trying to get out of debt is the hard part.

Total household debt in the U.S. is more than $13 trillion, a record according to a recent report from the Federal Reserve. That comes out to about $137,000 per household. While the majority of that debt is for mortgages, households have also racked up a staggering $17,000 in credit card debt, on average, and $37,000 in student loan debt.

Even if you don’t have credit card student loan debt, it’s possible you have other types of debt, such as auto loans, or medical bills.

So, how can you dig yourself out of the hole and get out of debt? Here are some common strategies:

Origen: Tips for How to Get Out of Debt Now!

Publicado en finanzas

Guia para Invertir

Guía para invertir es una obra ideal para quien desea convertirse, a largo plazo, en un inversionista rico.

En qué invierten los ricos ¡a diferencia de las clases media y pobre!

La definición del término “invertir” varía de acuerdo con las ideas de cada persona. De hecho existen inversiones diferentes para los ricos, los pobres y la clase media.

Guía para invertir es una obra ideal para quien desea convertirse, a largo plazo, en un inversionista rico, invirtiendo en lo que lo ricos invierten. Como indica el título, este libro es una “guía” y no ofrece garantías…. Así como tampoco ofreció garantía alguna el Padre Rico de Robert con sus consejos.
La guía para invertir del Padre rico le revelará:

1-Las diez reglas básicas de la inversión del padre rico;

2-cómo reducir sus riesgos de inversión.
3-Cómo convertir su salario en ingresos : pasivos y en ingresos derivados de un portafolios de inversión.
5-Cómo puede convertirse en un inversionista destacado.

Origen: Guia para Invertir

Publicado en finanzas

Kylie Jenner lands Forbes cover as the youngest self-made billionaire ever

This 20 year old will not stop until the world is hers. In fact, she made the cover of forbes magazine this month with the headline “America’s Women Billionaires.”

It’s no secret that she has been hustling since day one, but her lip kit empire helped launch her up into the stratosphere with income / great business sense, and more.

Oh yeah and she’s also a MOM! Truly an incredible feat. Kylie Cosmetics launched only two years ago with a $29 dollar lip kit, and with that she has sold over 630 million dollars worth of makeup since then.

Also due to the huge success from her reality programs, modeling, and more, She is now worth a staggering 900 million dollars. and here’s the best part, she owns 100% of her cosmetic company.

Talk about massive profits. Makeup products have some of the highest profit margins out of any industry, next to pharmaceuticals. In an interview, kylie praised social media and how it helped her blow up.

She said “social media is an amazing platform – I have such easy access to my fans and my customers.” It’s safe to say she’s changed the game. What Kim did for booty, Kylie has done for lips.

With over 110 Million followers on instragram who are MOSTLY female. She’s able to push her brand every day to the right audience. Obviously kylie isn’t going to be the only female billionaire, in fact. According to forbes, she is #27 on the forbes list, with Diane Hendricks at number one.

Who is Diane Hendricks? Oh she just runs ABC supply, and is almost worth 5 Billion. Let’s see how long it takes kylie to catch up. So here’s my question for you!

Would kylie have this much success if she wasn’t attached to the kardashian / jenner empire? Or do you think she would pave the way of lip kits for everyone anyways. Let me know down in the comments, and thanks for watching! Please click right over here to watch us recreate Celeb Vacation Instagram photos, and don’t forget to subscribe by clicking right down here! I’m tom Plumley, you guys can find me on the socials, and I’ll see you soon!

Origen: Kylie Jenner lands Forbes cover as the youngest self-made billionaire ever

Publicado en finanzas

Warren Buffet’s Life Advice Will Change Your Future 

Warren Buffett

CEO, Berkshire Hathaway

  • Known as the “Oracle of Omaha,” Warren Buffett is one of the most successful investors of all time.
  • He runs Berkshire Hathaway, which owns more than 60 companies, including insurer Geico, battery maker Duracell and restaurant chain Dairy Queen.
  • The son of a U.S. congressman, he first bought stock at age 11 and first filed taxes at age 13.
  • He has committed to giving more than 99% of his fortune to charity. So far he has given away nearly $32 billion, much of it to the Gates Foundation.
  • With friend Bill Gates he launched The Giving Pledge in 2010, asking billionaires to donate half their wealth to charitable causes.
Publicado en finanzas

Jack Ma – How To Become A Billionaire (MUST WATCH!)

Jack Ma

Founder and Executive Chairman, Alibaba Group

  • former English teacher, Jack Ma cofounded and chairs Alibaba Group, one of the world’s largest e-commerce businesses.
  • The Hangzhou, China-based firm inked its first Olympic sponsorship deal and scored a streaming agreement with Disney in 2017.
  • Alibaba’s revenue in the 12 months ending in March 2017 rose by 56% to $23 billion.
  • Its 2014 IPO in New York set a record as the world’s biggest public stock offering, raising $25 billion.
  • Ma’s investments beyond Alibaba include stakes in Chinese entertainment industry firms Huayi Brothers and Beijing Enlight Media.


Publicado en finanzas

Raising Private Capital: How To Set Up Your Own Fund

Raising Private Capital: How To Set Up Your Own Fund centers around everything from persuasion to paperwork, from first call to funding, and everything that can go wrong in between.

If you want a chance to use the same systems that some of the smartest, most well informed, and most experienced capital raisers and investment bankers use, the believe me: This Execution Plan is for YOU.

Origen: Raising Private Capital: How To Set Up Your Own Fund

Publicado en finanzas

Secret Millionaires Are Everywhere–Could You Become One? 

Find out how these women created fortunes and left endowments to great causes.

  • Secret millionaires are more common than people realize
  • You could amass a fortune if you save aggressively, regularly and invest
  • You could also be a philanthropist and leave your money to a cause you find important

Origen: Secret Millionaires Are Everywhere–Could You Become One? | Stash Learn

Publicado en finanzas

Trump Scrapped the Iran Nuclear Deal, and Here’s How It Could Affect You 

A scuttled nuclear agreement could hurt the economy.

  • President Trump has decided to decertify the Iran nuclear deal
  • The deal put a temporary stop to Iran’s nuclear weapon development in exchange for an easing of economic sanctions
  • By scrapping the deal, Americans can expect higher gas prices and possible market volatility

Origen: Trump Scrapped the Iran Nuclear Deal, and Here’s How It Could Affect You | Stash Learn

Publicado en finanzas

The Easiest Budget You’ll Ever Make

Yes, you need a budget. Just about everyone does.

And if you’re serious about understanding your finances — as you should be — then designing a budget is the first step. It can be scary to face the facts about your financial situation. You may not even fully realize how much your spending for some things in your life.

But getting an idea of how much money you’re earning, and what you’re spending it on is absolutely essential. And it will put you in charge of your financial future.

What’s a budget?
A budget is a game plan for your money. It provides a bird’s-eye view of your finances, and allows you to plan for your daily, weekly, or monthly expenditures.

A budget helps you figure out if you have enough money to cover your bills, and how much you have left over to save or invest for the future

Budgets can be incredibly detailed or very general, but they all serve to provide you with two important pieces of information: How much money you make, and how much you spend.

Types of budgets
No two budgets are the same, and yours should be tailored to your specific situation.

Businesses and the government, for example, use budgets to plan their annual spending, and to make sure they have enough money to pay employees and keep operating.

Personal budgets are usually far simpler, however.

All you’ll need to do is grab a pen and paper (or open a new spreadsheet on your computer, if that’s your preferred method) and get to work.

What should be in your budget?
All budgets should contain two main elements: How much money you’re earning, and how much money you’re spending.

The trickiest part is figuring out all of your expenditures. But once you know how much income you have to work with, you can start digging into the details regarding your spending, saving, and investing goals.

Save more, effortlessly
Smart-Save intelligently builds your savings

Try Smart-Save
The easiest budget you’ll ever make

Here’s how you actually go about creating your budget:

Step 1: Write down your monthly income and expenses.
Most people have only one or two streams of income from their job or jobs. But income can also include money earned through hobbies or side-gigs, interest or dividends from investments, or any other regular, monthly inflow of cash.

For expenses, include housing costs (rent or mortgage), spending on food, utilities, transportation, credit card payments, student loan payments, entertainment, dining out–and anything else that’s a regular monthly cost.

You should also break down your expenses into two different types: Fixed and flexible. Fixed costs are the bills you pay every month, that generally don’t vary much — expenses like rent or student loan payments. Flexible costs are things that can be variable, like your grocery or entertainment expenses.

One popular method of budgeting is to follow the “50/20/30” rule. This stipulates that you should save or invest 20% of your take-home pay, appropriate 30% toward your flexible expenses, and put the remaining 50% toward your essential living expenses.

While that framework may not work for everyone, it’s a basic set of guidelines that can help you get in the habit of budgeting.

Step 2: Monitor your expenses
Sometimes you can just set it and forget it. But remember that budgets are living things.

While there’s not much you can do about the cost of your monthly rent or your mortgage, you may find you’re spending more than you planned in some flexible categories–vacations or groceries for example. If that’s the case, you need to figure out why that is and either change your spending habits, or change your budget.

One popular method of budgeting is to follow the “50/20/30” rule.
For example, if you set aside $400 per month for groceries, and find you’re actually spending closer to $500, you need to monitor that. That extra $100 can soon wind up running you into debt.

On the other hand, if you’ve budgeted $200 for monthly dinners out, but you’re only spending $100, take note of that and maybe reallocate between the categories.

The goal is to keep all of your spending below your income, at all times.

Step 3: Plan for the future
You should also put money aside in your budget for saving and investments, to set yourself up for a healthy financial future. An easy way to start is by building an emergency fund — or, money that you can have in an easily-accessible savings account for a rainy day. The money you have left over each month in your budget should go to create this cash reserve.

Your rainy-day fund should have enough in it to cover a few months’ worth of expenses in the event that your income experiences a significant drop, for things like an illness or a layoff. It could also be helpful in the event that you need to travel due to a family emergency, or spring for car repairs.

You also should consider a budget for retirement savings — money that is going into an IRA or 401K, that you don’t plan to touch until well into the future.

Step 4: Make sure it all adds up
The goal of your budget is to ensure that your expenditures don’t outweigh your income. If you’re spending more than you’re making, you’ll quickly find yourself in debt. A budget will help you keep track of your situation.

You should aim to maximize your income and minimize your spending. This will free up more money for savings and investing, depending on your goals.

If you want to start with a simple template, this spreadsheet, created by Stash’s Donte Ledbetter, is an excellent tool.

Investing, simplified
Start today with as little as $5

Source:The Easiest Budget You’ll Ever Make