Paula - Balfour

Baileys Chocolate Sheet Cake feeds a crowd!
RECIPE: https://www.lemontreedwelling.com/baileys-chocolate-sheet-cake/

Pssshhh cats!!!

I sincerely feel this…

View Paula Balfour’s profile on MassageBook Paula Balfour in Palmdale, CA offers Massage, Manual Lymphatic Drainage Massage, Stretch Therapist Massage services. I was initially interested in

If this you.... let’s talk

Not taking action is the most expensive choice you can make.....

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Money Facts....not Money Feelings

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Manage - Save - Invest

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A really great educational show is on Prime Video
Bitcoin: The End of Money As We Know It

Spoiler Alert:
The money you think you have, well u don’t.

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This simple formula tells you how long it will take for your money to double—while you sit back and relax The "Rule of 72" approximates how many years it will take for your money to double, given a fixed interest rate. The higher the rate, the more you'll earn.

In America, 155 Million People are employed and less than 1% of those people are financially free. 🤯

The big question is:
What is it that the 1% are doing that the other 99% aren't? 🤔

EDUCATION! 📚

The fact is that most people don't continue to educate themselves past school and that is the thing that holds people back.

Because if you continue to do the same thing that you have done, you will continue to get the same results you've gotten.

Let’s talk....

Paula - Balfour updated their website address.

Been reading Finance Buzz and found some good suggestions, here’s what I found....

Ever wonder how a millionaire becomes a millionaire? Well, some were born that way — how's that silver spoon taste? Others got lucky. But many got to this 7-figure milestone through hard work and smart money decisions.

If you're seeking out this kind of financial advice then you probably already know how to chase down your dreams. Whether it was buying your first home, getting that big promotion, or maxing our your 401(k), you know what it feels like to set a financial goal and achieve it. Becoming a millionaire is no different from those other goals. You can approach it the same way — just take it step by step and make smart decisions.

To make your path to $1,000,000 a little easier, we're here to share some simple lessons from millionaires who came before you.

1. Start investing early (especially when you can get $5 to get started)

An important first step on your way to a million dollar net worth is to come up with an investing strategy. Even if you don't have a lot of money to invest, don't let that stop you from getting started — you can start investing with just $1.

If you're thinking about saving for retirement, you can start investing in an IRA and enjoy the tax benefits that come with retirement accounts.

2. Plan ahead: Leave your family up to $1,000,000 (starting at just $8/month)

If you're young and healthy, you might not be thinking about term life insurance yet, but you should be. Life insurance companies look at a number of factors including your age, health, and weight to determine the rate you'll pay for coverage. Generally, the younger and healthier you are, the lower the rate.

If you are between 21 and 55 years old, and are generally in good health, lets talk today...

3. Refinance your mortgage while rates are at historic lows

With interest rates at historic lows, it's a fantastic time to refinance. Refinancing your mortgage can not only help you save money, it can also help you build equity in your home faster and lower your monthly payments. You could potentially replace your existing mortgage with a new one for an amount greater than what you owe then use the cash difference for home improvements, to pay off high-interest debt, or whatever you need cash for today.

4. Skip unnecessary fees: Save the $250 you'll probably pay in bank fees this year

Bank fees are annoying, so stop paying them. The average American pays hundreds in bank fees every year.

5. Always negotiate: Trim up to $720 from your bills

Even if you're disciplined about saving, you've probably had months where you looked at your bank balance and wondered where your paycheck went. A budgeting app like Truebill can help you take control of your money — spend intentionally on the things you value and stop throwing money away on unimportant things.

Once you have a complete picture of your finances, it's easy to see ways to save. And Truebill can help make those potential savings a reality. Their expert negotiators can call the cable company and phone company to help lower your bills. They'll also help you cancel unwanted subscriptions and put that money back in your bank account where it belongs.

Truebill has already helped save its members over $50,000,000 on their bills without much time and effort.

6. Comparison shop: Save up to $500 on car insurance

Car insurance can be expensive, so you want to make sure you're not overpaying on your current premium.

Financebuzz has made it easy to search and compare quotes. Think of it as Kayak, but for car insurance.

We can help match you to insurance carriers and regional agencies to help you save on your car insurance. Financebuzz can save drivers up to $500 per year compared to their current insurance premiums.

7. Invest in paintings by Basquiat, Picasso, Banksy

The ultra-wealthy have been flipping art for huge profits for decades and now non-millionaires can get in on the action. Masterworks is a platform for investing in blue-chip art, an asset class that’s outperformed the S&P 500 by over 180% between 2000-2018.

Masterworks purchases multi-million-dollar paintings and divides up ownership among its members. Just like stock in a company, you can own fractional shares of artwork. If the painting sells, you make money off the appreciation.

While Masterworks requires a $5,000 account minimum to get started, you can invest as little as $20 in each work.

My own advice...

8. Get smarter about money

"Wealthy" is all about numbers. "Worthy" is a mindset. If you’re the type of person who’s passionate about growing your net worth and becoming financially independent, then you belong in our personal finance community. You’ll get expert advice on earning more, investing smarter, and saving for the life you want.

As soon as you’re ready... let’s talk

About half of U.S. workers plan to use personal savings as their primary source of income during retirement.

A 2019 study by the Transamerica Center for Retirement Studies and the Aegon Center for Longevity and Retirement found that 48% of workers expect most of their retirement money to come from accounts like 401(k)s, 403(b)s, and other savings and investments.

The same study found that most workers estimated that they would need a nest egg of $500,000 before retiring.

However, figuring out how long your savings will last can present a lot of variables. If you plan to stop working in your 60s, that leaves a huge question mark about how many years of retirement you will need to fund.

An “interest-only” retirement plan removes one of the biggest fears about life after leaving your job: Will my money outlast me?

Because if you can save enough now, you can fund your retirement by living off your returns without ever touching your nest egg.

After crunching numbers, we can show you how much you need to save to get $75,000 every year in retirement, without taking a bite out of your principal.

When you’re ready.... let’s talk

If anyone knows any of these people, let me know

Charles Schwab to lay off 1,000 workers following TD Ameritrade merger Just weeks after closing its acquisition of TD Ameritrade, Charles Schwab Corp. announced Monday it will lay off about 1,000 employees, or 3% of its combined...

What would you add to the list?

These are basic truths, if you find yourself struggling,
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Msg or Dm me for access to these workshops

Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of money in interest over the life of the loan. If you must get the 30 year mortgage, verify that there is no prepayment penalty. This gives you the flexibility of paying it off early if you are able. But it also gives you the option of making lower payments when times are tough...

When you start your job, get an HSA account and not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!!
Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later.

Get you an LLC (incorporate your name!!) and run it as an S Corp. Remember Jay-Z quote “I’m not a Businessman I’m a Business Maaaaaaaan....” Let that sink in.
Build business credit! The loans are bigger and the interest rate is lower.

Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks (one from Trump and one from the SBA). Also no fees. I’ll plead the 5th on if I’m talking about myself lol

Go to Community College first and transfer into a four year college (unless you have scholarships to help mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the black community.

Get with your peers from your graduating class and others together at homecoming on one day for two hours to plot and strategize how we can move our communities forward (commerce, politics, education, small businesses, real estate, etc...)

If you want to support Black People, support Black Business and Black Institutions of Higher Education.

Get life insurance for you and your children (permanent with CASH value, your great-grandchildren will be grateful) as soon as they are born (one thing is for sure is we will die..might as well leave your kids or family something extra). The sooner you get it, the cheaper it is. And you can borrow against them to fund projects, school, etc. IULs are great!

Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!).

We need to promote financial literacy. Building capital and creating equity to create generational wealth. Having financial freedom is everything! This is not being taught in the school curriculums or our education systems! We must do it ourselves!

PLEASE help me spread financial literacy!

What got me here, won’t get me there....

I’m gonna get there, what about YOU!

Procrastinate later...

Take care of your Ducks...
Are they in a row?

Proper Protection
Life
Health
Car
Ltd
Is it an expense or a protection?

What’s your prospective?

We insure things before we insure ourselves.

We are wired for generosity but educated for greed...

There is more happiness in giving than in receiving
Acts 20:35

Save your savings....

If this is you... let’s talk

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