Financial Advice: Investing?

For Beginners

Investing For Beginners | Advice On How To Get Started

*have an emergency fund

*see Now You Know: How to prepare for “financial hard times” ? goodnewseverybodycom.wordpress.com

If You Have More Than $1,000 in Your Checking Account, Make These 4 Moves September 17, 2019
4 minute read squarebudgets.com

“..What’s the next step you should take? What are some specific things you can do you to take your finances to the next level?

We’ve got some ideas for you:
1. Withdraw $5 and Buy a Piece of a Corporation..”

..2. Leave Your Family $1 Million in Life Insurance for Just $5/Month..”

Bestow

Bestow Life Insurance Review 2019: Pros + Cons


Your Top Questions About Bestow and Life Insurance, Answered
by Hailey Paschall
July 17, 2018 hellobestow.com

Is Universal Life Insurance A Good Idea?

*get 10-12x your annual income and go with term instead of universal or whole..waste of investment w/fees, don’t cancel until you get term and use the extra difference on “real” investments!
Comments:

“..
Daniel Devers
2 months ago
Based on his comment at 1:19 he clearly has no idea what he’s talking about…. There is no “Investment” and #2, the portion of the premium that goes into the policy IS NOT going into “Indexed funds”. Indexed is a growth strategy. The money that goes into the policy value simply mirrors the performance of the market. If the market goes up the account is credited the positive percentage up to a cap (some are uncapped but have a margin). If the market goes negative, the account is protected by a guaranteed floor, which is 0% in most cases. This means you’ll never be credited less than 0% regardless of how negative the market drops. ..

Deborah Meyers
1 year ago
I’ve been a fan of Dave Ramsey for several years and I’ve followed a lot of his advice, especially when it comes to getting out of debt. However, he totally bombed this! He is so wrapped up in term insurance and very close-minded. I can’t believe he gave that woman the answer he did. HE IS WRONG! An indexed universal life (IUL) policy is NOT an investment. None of your money is ever invested in the stock market. He left out so many facts. What Dave doesn’t realize or chooses not to accept is that many wealthy people use life insurance, especially IUL to build wealth. You don’t have to put all of your money at risk in the stock market in order to build wealth. Any money that is put into the stock market is at risk, regardless of the product. I’m am pro-stock market but I also believe that some of your money, especially retirement money, should be put into other products that don’t involve risk. And, oh yeah, you CAN receive very decent rates of return on your money without it ever losing value. Dave, you really need to get your facts straight! Open your mind dude. Shame on you!..

Short-term

Best Places To Invest Your Money For the Short Term – YouTube

How to Get Rich Quick in 2019 [3 Short-term Investments]

Age Factor

Here’s How You Should Invest at Every Age BY BARBARA FRIEDBERG Updated May 23, 2019 .thebalance.com

What Should Your Portfolio Look Like in Your 30s, 40s, and 50s?

“..The younger you are when you begin investing, the more time you have for your initial investments to grow and increase your personal wealth. There are certain investments you should make during each decade of your adult life to take advantage of the power of time.

Saving for retirement—especially starting at an early age—is a good idea and almost always beneficial. However, investing does come with risks that are important to understand…”

My $3.5 Million Stock Investment Portfolio 💰 How I Generate $8000 Per Month Passive Income

LONG TERM

Bonds

Worthy Bonds worthybonds.com

Stocks

Robin Hood

*use my referral link

Why I’m Selling Stocks Right Now [Market Warning Signs Flashing Red]

*don’t invest from May-October, but invest in Nov. -April (sell in May)!

-Biblical Investing

What are biblically responsible investments?

981 views•Jan 30, 2018
Fox Business
956K subscribers
Inspire CEO Robert Netzly on faith-based investing.

About Robert Netzly inspireinvesting.com
“…
Robert Netzly is the CEO of Inspire Investing and frequent contributor on FOX, Bloomberg, New York Times and other major media. Read more from Robert in his #1 bestselling book Biblically Responsible Investing, available at Amazon.com and other major retailers…”

34 – Interview with Robert Netzly of Inspire Investing christianfinancialpodcast.com
You are here:HomePodcast Episodes34 – Interview with Robert…

This investor only buys stocks that adhere to Christian values
Published: May 26, 2017 at 4:06 p.m. ET

By Morey Stettner marketwatch.com
Ben Malick asks ‘What would Jesus do?’ before buying a stock
“..In May 2016, Malick launched an advisory firm rooted in his religion. He embraces “Biblically Responsible Investing” (BRI) — a process that applies Christian values to investment decisions.
<p.
Malick prefers to limit his portfolio to 25 to 30 stocks (current picks include TrueBlue TBI, -3.06% and Juniper Networks JNPR, -2.62% ), although he notes that hundreds of companies pass BRI screens. Despite its large size, the BRI investment universe has fewer mega-large-cap stocks because those corporations often champion their charitable giving — and the causes they support — more vocally.

.."

Business Start-ups

Crowdfunding for Start-Ups and Small Business

Equity crowdfunding: you can invest in start-ups – MoneyWeek Videos

Top 7 Startup Investing Platforms angelkings.com

►Startups Lessons: How to Invest in Startups – AngelKings.com

Angel Kings: Design, Build America’s Top Startups
5.3K subscribers
Full Guide Review – How to invest in startups! A full video review on “how to invest in startups,” with expert angel investor and venture capital groups (http://angelkings.com/invest), equity crowdfunding, startup competitions/events, with the new JOBS Act for startup investing in sites like AngelKings.com. Expert startup investor, Ross Blankenship (http://rossblankenship.com) explains how to get started making your first investing in startups. Learning “how to” invest in startups begins with the proper research and these steps:

The JOBS ACT – 7 Things to Know About Crowdfunding and … angelkings.com
“…JOBS Act is an acronym that stands for “Jumpstart Our Business Startups.” The JOBS Act 2012 is a law that was designed to accomplish a few different goals at the same time, all of which mean interesting things for the world of business. In addition to the encouragement of funding of small businesses that are based in the United States, it was also intended to ease various securities regulations by the U.S. Securities and Exchange Commission (SEC) that previously made this type of thing more difficult. The JOBS Act has a number of implications for startups, particularly as far as crowdfunding is concerned, that you need to be aware of before either raising funds as a startup or investing in startups. ..”

Start Engine

StartEngine’s Vision: 10,000 Companies, $10 Billion Raised in 10 Years

We Funder wefunder.com

Reviews:

WeFunder Review (Investor Updated): Should you invest? AngelKings.com

Angel Kings, angelkings.com

*need a minimum of $50K

Angels and Entrepreneurs angelsandentrepreneurs.com

“..Neil Patel launched the Angels & Entrepreneurs Network to pull back the curtain on the world of “pre-IPO” investment, because he believes everyone should have access to the same playing field – not just society’s high and mighty…”
Reviews:

Microblog: angels + entrepreneurs network | Stock Gumshoe stockgumshoe.com

“..This is a ”startup investing group” listing and discussing pre IPO startup investing. It is a group headed by Neil Patel and touted by Robert Herjavec. Are they a legitimate service.

This is a discussion topic or guest posting submitted by a Stock Gumshoe reader. The content has not been edited or reviewed by Stock Gumshoe, and any opinions expressed are those of the author alone…”

Republic republic.co

Best Equity Crowdfunding Websites and Platforms

How To Invest In Startups And Make Money
Tanya Prive
358,910 viewsNov 17, 2015, 08:00am forbes.com

1000 Angels 1000angels.com

*need min $250 (monthly)

One Thousand Angels Review /yieldtalk.com

“..One Thousand Angels (part of OneVest) is unique among Reg D platforms in charging a membership fee (but then not charging any carried interest on the investments. They offer plans from $250/month up to $1,000/month (with equivalent annual plans for $2,500 and $10,000 respectively). The differences in tiers are tied primarily to access (virtual vs. in-person group vs. in-person one-on-one meetings with founders)…”

Real Estate

REIT

Real Estate Investment Trusts for Dummies

The 5 Best Real Estate REIT ETFs of 2019 investopedia.com

“..

With a REIT, investors buy shares and get paid dividend distributions—reaping a total return based on the amount they have invested. Although the returns are less than, say, owning an entire building and reaping all the income from it, the risk is lower as well. A REIT ETF invests in several property-owning real estate companies at once, and of course, this diversification further mitigates an investor’s exposure—whereas the individual buying a property is betting on just that one property. Plus, it offers a chance to get into real estate without having to become a landlord or a partner in an investment group.
..”

The 5 Best Real Estate REIT ETFs of 2019 BY KEVIN B. JOHNSTON Updated May 19, 2019
In investopedia.com

“In a period of low interest rates, real estate investment trusts (REIT)—a securitized portfolio of properties—offer the income potential provided by real estate combined with the liquidity of stocks. A real estate exchange-traded fund (ETF), which holds baskets of these securities, offers an especially liquid, low-cost way to invest in the real estate asset class.
..”

5 Types of REITs and How to Invest in Them BY WILL ASHWORTH Updated May 16, 2019 investopedia.com

“…Historical Returns of REITs
Real estate investment trusts are historically one of the best-performing asset classes available. The FTSE NAREIT Equity REIT Index is what most investors use to gauge the performance of the U.S. real estate market. Between 1990 and 2010, the index’s average annual return was 9.9%, second only to mid-cap stocks, which averaged 10.3% per year over the same period…

5 Types of REITs And How To Invest In Them
..

Introducing eREITs – The First Online Real Estate Investment for Everyone fundrise.com

“..In 1960, Congress passed a law creating Real Estate Investment Trusts (REITs) to give average individuals the opportunity to invest in income-producing commercial real estate…”

*click on my (Sal) referral link -> https://fundrise.com/r/7n57r8

An Investment Better than REIT Investing

“.. Trace S…
Trace S…
9 months ago
I decided against Fundrise because of the fees. Will check into this alternative. Thank you! ..”

stREITwise streitwise.com

“..is a revolutionary online real estate investing company that combines innovative technology and new federal regulations to make commercial real estate investing accessible to everyone. For as little as $1,000, you can invest in a professionally managed portfolio of private real estate assets…”

5 Reasons to BUY NOW | REITs (Real Estate Investment Trusts)

Our Rich Journey
Published on Jul 11, 2019
▸▸▸Like our channel? Please consider supporting us at: https://www.patreon.com/OurRichJourney

5 Reasons to BUY NOW | REITs (Real Estate Investment Trusts): We’ve been investing in REITs (Real Estate Investment Trusts) and we think you should consider investing in them too! We’ve have incredible returns with our REITs over the past several years. In this video, we discuss what REITs are, what they invest in, the different types of REITs, our recommended REITs, and the top five reasons why we think REITs are good investments to add to your stock market portfolio. Thanks for watching!

Are Real Estate Investment Trusts a Good Investment?

Robert Kiyosaki asked me “What does God want you to do?”

Technology

Cryptocurrency

Top Ten Coins To Watch In 2020

-Bitcoins

Bitcoin Basics (Part 1) – “Explained For Beginners”

839,111 views•Dec 23, 2013
Chris Dunn
210K subscribers

Bitcoin: Everything You Need to Know

Coinbase coinbase.com

*please use link so we’ll both get $10 as a referral bonus! Thanks!

How To Use Coinbase To Buy and Sell Bitcoin – Full Tutorial

Everything You Need to Know About Investing in Bitcoin
2,982 views•Apr 19, 2017

=>Charts

Bitcoin.com Charts
charts.bitcoin.com

WHY I’M BUYING BITCOIN NOW…

3,333 views•Sep 1, 2019

137

24

SHARE

SAVE

Patrick Wieland
88.2K subscribers
Why I’m Buying Bitcoin now… Taking a look at the Bitcoin Chart and talking about Cryptocurrency here in this video. We weigh the risk vs reward and talk about how having a plan when investing in Crypto is key! Also looking at $9,000 area as a key area to watch here. This trade is only Valid as long as the key 9k support holds! If Bitcoin can’t hold $9,000 I’m out!

Bought Bitcoin and Ethereum | Tom Lee Predicts $10,000,000 per coin…

46,987 views•Oct 5, 2019

1.3K

92

SHARE

SAVE

Aimstone
26.1K subscribers
Bitcoin is still trading slightly about $8,000 and yesterday I made an entrance into the market and bought some Bitcoin and Ethereum. In today’s video I will discuss in details my buying position and very interesting video regarding deep bitcoin analytics by Tom Lee

=

*housing market will continue to rise till 2030

Data Model Predicts Bitcoin Price Will Multiply 7X in Just Seven Months Journalist:
Harsh Chauhan @techjunk13

October 21, 2019 ccn.com

“The price of bitcoin has been heading south over the past three months, but one quant analyst that goes by the name of PlanB on Medium predicts that the flagship cryptocurrency could surge in the coming days…

”The model predicts a bitcoin market value of $1trn after next halving in May 2020, which translates in a bitcoin price of $55,000.” ~ PlanB
..

Diversification?

YES

Diversification Explained in One Minute: Don’t Put All Your Eggs in One Basket When Investing

NO

Why Buffett, Cuban and Munger all HATE Diversification : World’s Greatest Investors

Dave’s Investing Philosophy .daveramsey.com

Retirement

How This Tiny Startup is Disrupting the $27-Trillion Retirement-Planning Industry article.smartasset.com

Get Smart with Your Assets

Terms of Use | Privacy Policy | About Us
© 2019 SmartAsset

“..

SmartAsset is a personal finance technology company that features a financial advisor matching service. Financial Advisors who appear on SmartAsset are from companies with which SmartAsset receives compensation. SmartAsset takes into consideration wealth and location to determine how to match users with advisors. SmartAsset doesn’t include the entire universe of Financial Advisors…”

IRA

Roth IRA 101 daveramsey.com

12 Best Roth IRA Accounts of July 2019 nerdwallet.com

“..We’re here to help. Every year, we evaluate major U.S. online brokers and robo-advisors to select the best Roth IRA account offerings. Our favorites are below. (Note: The star ratings on this page are for the provider overall. Some brokers with a lower overall rating are included here because IRAs are where they excel.)..”

*thrivent 3.049 shares $16.40 price =$50 purchase

e-trade $6.95/trade

Best Places To Open A Roth IRA
Last modified by Jeff Rose on April 4, 2019 goodfinancialcents.com

“..Popular Investment Firms Who Offer the Best Roth IRA Accounts of 2019:
Ally Invest Top All Around
M1 Finance Free Stock/ETF Trading
Betterment Best: Beginners & Hands-off
Lending Club Best: Non-Stock Options
USAA Best: Military & Family
TD Ameritrade Best: Brick and Mortar
E*TRADE Best: Overall Services
Wealthsimple Automated Management
Firstrade Best: Low Fees
Ellevest Best For Women
Charles Schwab Full Service Brokerage..”

Best Places to Open a Roth IRA Account cashmoneylife.com

Retirement Income Calculator

Master Your IRA (Advanced IRA Strategies) S.5 | Ep.5

Best Roth IRA Rates (GoodFinancialCents.com)

Economic Factors

Interest Rates

How Do Interest Rates Affect the Stock Market? BY MARY HALL Updated Aug 12, 2019 investopedia.com

“..This also includes the U.S. stock market. And, while it usually takes at least 12 months for any increase or decrease in interest rates to be felt in a widespread economic way, the market’s response to a change is often more immediate…

By increasing the federal funds rate, the Fed basically attempts to shrink the supply of money available for purchasing or doing things, thus making money more expensive to obtain. Conversely, when it decreases the federal funds rate, it increases the money supply and encourages spending by making it cheaper to borrow. Other countries’ central banks do the same thing for the same reason.”

US Federal Reserve cuts interest rates, here’s what that means for you ByCATHERINE THORBECKE Sep 18, 2019, 3:08 PM E abcnews.go.com

“..”Today, we decided to lower interest rates,” Federal Reserve Chair Jerome Powell said in a news conference. “We took this step to help keep the U.S. economy strong in the face of some notable developments and to provide insurance against ongoing risks.”..

The impact this move will have, however, on everyday people is that “it means that it tends to get cheaper if you have a home equity loan, it tends to be cheaper to get a car loan.”

“In short, lower rates help people and businesses who borrow and tend to hurt people who save,” Wessel explained…”

What Happens When the Fed Lowers Interest Rates

Current News

Are We Headed For A BIG Economic Crash?

Are We Headed For A BIG Economic Crash?
106,232 views•Published on Sep 18, 2019
Kim Iversen
175K subscribers
Please Subscribe to this channel and hit the bell!

Faith

18 Extremely Religious Big American Companies businessinsider.com

“.. Many other big companies in America are also religious, including some that might surprise you. ..”

#healthfitnesslifeguy

https://www.instagram.com/healthfitnesslifeguy/

Good News Financial

https://www.facebook.com/groups/426559690751225/

▸▸▸Like our blog? Please consider supporting us at:


https://www.patreon.com/salphotobiz

“Disclaimer: No part of this site is intended to solve, help, or be an answer to any problems or life challenges. Nothing on this site is to be construed as financial advice; the authors are not financial advisers. Please discuss your personal finances, including any options or ideas you may read on the internet (on this site or others) with your personal, qualified financial adviser before making changes to your financial lifestyle. We are not responsible for any adverse outcomes associated with using or misconstruing advice or information on this site. THANK YOU for stopping at our site! May you find what your looking for and “God speed” to good financial health and prosperity!”

Deep Thought: Financial Advice- House Mortgages

7 Easy Ways to Pay Off Your Mortgage Early daveramsey.com
“..You can join the ranks of debt-free homeowners and make your last mortgage payment sooner rather than later with these seven easy ways to pay off your mortgage early!..

The only type of debt Dave won’t yell at you about is a 15-year fixed-rate mortgage with a payment that’s no more than 25% of your take-home pay. You’ll pay much more in interest on a 30-year mortgage—and, besides, who wants to be in debt for 30 years?

You can refinance a longer-term mortgage into a 15-year loan. Or, if you already have a low interest rate, save on the closing costs of a refinance and simply pay on your 30-year mortgage like it’s a 15-year mortgage. The same goes for a 15-year mortgage. If you can swing it, why not increase your payments to pay it off in 10 years?..”

Pay Off Mortgage Early or Invest? #AskTheMoneyGuy

Should I Pay Off My House Mortgage or Invest the Extra Money?

Should You Pay Off Your Mortgage Before Retirement or Invest? An Expert Weighs In!

Sixty and Me
Published on Aug 8, 2017
There are so many financial decisions to make in the years before retirement.

One of the most important of these questions is whether to focus on paying off your mortgage or investing more in bonds, stocks and other investments.

If you are thinking about paying off your mortgage… or you just want to get more from your money in retirement, this interview is for you!

Fortunately, financial ex…

How to pay off a 30 year home mortgage in 5-7 years

*don’t let your money sit on savings in low interest growth, don’t get on the “cycle” after refinancing and go back, get aggressive!

How to Pay Off your Mortgage in 5-7 Years (Real Estate Investing)

Credit Score?

Can paying off your mortgage hurt your credit score? By Brady Porche | Published: February 27, 2017 creditcards.com
“..In most cases, paying off your mortgage does not help or hurt your credit score in any significant way. It could have a small negative impact if the mortgage was your only installment loan, according to the credit reporting agency Equifax’s website. After all, “credit mix” accounts for 10 percent of FICO’s traditional credit scoring model. But if you never missed a payment over the life of the loan, that could offset any points lost due to the loan falling off your credit report…

If you retain a good score or gain points after paying off your mortgage, chances are you have other trade lines with long, unblemished payment histories. Payment history and length of credit history account for 35 percent and 15 percent of your FICO score, respectively. What’s more, if you never missed a payment on your closed mortgage, that positive information will remain on your credit report for up to 10 years….”

Elderly

Pay Off Mortgage Or Keep Cash? – YouTube

Good News Financial
https://www.facebook.com/groups/426559690751225/

Financial: Advice to Seniors-Elderly-Retiring?

What to do after Retirement?

Financial Security for Seniors with Bank On Yourself

Dave Ramsey: “Work”, Go to “low-turn” over “mutual fund”. “Walk daily with the Prince of Peace…Christ Jesus”

Suze’s Favorite Retirement Plans | Suze Orman – YouTube

401K (22K max) > Roth IRA (can take out anytime w/o any penalties..max 500) > Traditional IRA

Pension

How To Value My Pension? – YouTube

Before Retirement

How Much Retirement Do I Need? – YouTube

Seniors to Seniors: Advice From Retired Professionals – YouTube

Retiring right on $3,500 a month

Retiring by 55?

Three Ways to Retire by Age 55

Don’t Waste Your Money: Why retiring at age 55 or 60 can be very costly

Retiring by 40?

I Want To Retire At 40 So I Don’t Have To Work – YouTube

Professor Savings professorsavings.com

Hobbies-Leisure-“Active”

Retiree Tips: Pursuing Life After Retirement
https://youtu.be/nr84FnEU6Eg
“..After retiring, he went back to college as an adult. While he didn’t have specific goals in continuing his education, his love of storytelling led him to creative writing. ..”

Caregivers-Children

Caring for Elderly Parents While Keeping Your Money on Track daveramsey.com

GLOBAL

The Retirement Trap | Al Jazeera World

Financial Advice? goodnewseverybodycom.wordpress.com

Good News Elderly
https://www.facebook.com/groups/471659289554782/

Deep Thought: How much to “give”?

Sal: I didn’t start “tithing” or giving an offering to my local church until my college days (it wasn’t 10%, but whenever I swore-that’s another blog..lol!) when I became a “Christian”. I really never was taught on this topic from a Biblical perspective. It took me awhile to start giving 10% and knowing it’s the Lord’s as He owns everything anyways. It’s like giving it “back” to Him showing Him our gratitude of His blessings…

Bible

What does the Bible say about Christian tithing? Should a Christian tithe? .gotquestions.org
“…Tithing is an Old Testament concept. The tithe was a requirement of the Law in which the Israelites were to give 10 percent of the crops they grew and the livestock they raised to the tabernacle/temple (Leviticus 27:30; Numbers 18:26; Deuteronomy 14:24; 2 Chronicles 31:5). In fact, the Old Testament Law required multiple tithes—one for the Levites, one for the use of the temple and the feasts, and one for the poor of the land—which would have pushed the total to around 23.3 percent. Some understand the Old Testament tithe as a method of taxation to provide for the needs of the priests and Levites in the sacrificial system.

After the death of Jesus Christ fulfilled the Law, the New Testament nowhere commands, or even recommends, that Christians submit to a legalistic tithe system. The New Testament nowhere designates a percentage of income a person should set aside, but only says gifts should be “in keeping with income” (1 Corinthians 16:2). Some in the Christian church have taken the 10 percent figure from the Old Testament tithe and applied it as a “recommended minimum” for Christians in their giving. ..”
What Does the Bible Say About Giving 10 Percent? – OpenBible.info openbible.info
What Does the Bible Say About Tithes And Offering? – OpenBible.info openbible.info
What does the Bible say about Christian tithing?


“Published on Jun 25, 2013

The New Testament nowhere designates a percentage of income a person should set aside, but only says it is to be “in keeping with income” (1 Corinthians 16:2). Some in the Christian church have taken the 10 percent figure from the Old Testament tithe and applied it as a “recommended minimum” for Christians in their giving. The New Testament talks about the importance and benefits of giving. We are to give as we are able. Sometimes that means giving more than 10 percent; sometimes that may mean giving less. It all depends on the ability of the Christian and the needs of the church. Every Christian should diligently pray and seek God’s wisdom in the matter of participating in tithing and/or how much to give (James 1:5). Above all, all tithes and offerings should be given with pure motives and an attitude of worship to God and service to the body of Christ. “Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver” (2 Corinthians 9:7).

Tithing is an Old Testament concept. The tithe was a requirement of the law in which all Israelites were to give 10 percent of everything they earned and grew to the Tabernacle/Temple (Leviticus 27:30; Numbers 18:26; Deuteronomy 14:24; 2 Chronicles 31:5). In fact, the Old Testament Law required multiple tithes which would have pushed the total to around 23.3 percent, not the 10 percent which is generally considered the tithe amount today. Some understand the Old Testament tithe as a method of taxation to provide for the needs of the priests and Levites in the sacrificial system. The New Testament nowhere commands, or even recommends, that Christians submit to a legalistic tithe system. Paul states that believers should set aside a portion of their income in order to support the church (1 Corinthians 16:1-2).”

-Finances

Dave’s Advice on Tithing and Giving, from daveramsey.com
“…So why does He ask us to give 10% to Him? Tithing was created for our benefit. It is to teach us how to keep God first in our lives and how to be unselfish people. Unselfish people make better husbands, wives, friends, relatives, employees and employers. God is trying to teach us how to prosper over time.

Many people have observed that after they stopped tithing, their finances seemed to get worse. In the Book of Malachi, God promises that if you do not rob Him of your tithing, He will rebuke your devourers and protect you.

If you cannot live off 90% of your income, then you cannot live off 100%. It does not require a miracle for you to get through the month. I think that if you sit down and look at your budget, you will see that you can make it while giving at least 10%. Read the Bible and take from it what you will, and if you tithe, do it out of love for God, not guilt…”
Wife And I Disagree On Tithing

-Teachings

Todd White – Financial Blessing & Living a Holy lifestyle

-Testimonies

Financial Blessing Testimonies: Man Proves God’s Promises True By Remaining Faithful in Giving Despite Money Problems By John Leuven Lasan on December 13 2016 09:32 PM citizenoracle.com

One of the most common things that we hear people say is that God moves in “mysterious ways.” And this proves true in every aspect of people’s lives, which can only make sense because once we understand that His ways are higher than ours, we will be able to appreciate how God surprises His people with the way He works, be it with a financial blessing or any other aspect of our lives. For example, let us take the testimony of Richard and Lynn and see how being true to God has given them so much more than what they expected.”
When You Bless Others It does Come back: My Testimony How God blessed me. , from youtube.com
“Published on Apr 22, 2013

The Bible still is true, when you do something for someone else God truly does give back in a double portion. I just wanted to share my testimony of what happened to me. When I needed God’s Help he was there right on time. Angels truly do encamp around us. God is So good. He gave through for me.”
Imagine Living Life Debt-Free!
With a garden and an orchard in their back yard, Frank and Gail Smith are experts at growing a variety of fruits and vegetables.
“With a garden and an orchard in their back yard, Frank and Gail Smith are experts at growing a variety of fruits and vegetables.“We have peaches and cherries and apricots and plums,” says Frank. “The mandarins and the pomelos, which come off in December, are just – they’re to die for.”They know getting a good crop depends on how much they put into it.”

Sal: I currently give 10% of my pay check (ft-job) to the local church and then give an offering (extra-from pt-job or other financial blessings) to missions or community needs.

Good News Financial
https://www.facebook.com/groups/426559690751225/

Financial Advice?

GoodnewsEverybody.com Financial “Wisdom”, Advice, Budgeting, Tips, etc…

I was raised in a family with financial challenges and I didn’t want to go through the same trials when I got older. After seeking financial wisdom from God through his Word and others that He has put in my life, I’m proud to say I’m financially free from any debts (currently a co-signer for some credit companies for my brother and a friend of mine). I want to share my story with as many people as I can to help them get out of financial debts. Instead of hiding this knowledgleable resources, I want to share this with as many people as I can. Feel free to contact me on any of this or if you have any suggestions, feedback, questions, or even prayer requests….

After doing a budgent analysis 2 years ago, I was able to break down some categories where I put most of my money in. These are the following categories I got in order by month:

Sal:

High School Days

I wished we could’ve learned about “financing” earlier , like in high school. I didn’t really “learn” until after college. I grew up not really knowing how much I needed to “save”. I did save money for college back in my high school days. However, I spent my paycheck in my job(s) like it was “candy” coming out of a “gum ball machine”! For example, I wanted the “cool” expensive “Oakley style sunglasses”. However, I didn’t want to spend that much, so I got an almost “second” to near expensive style sunglasses called “Bolle”. Well, within a week or so, I lost these one-hundred dollar pair of fancy expensive sunglasses 😦 ! I was working my fast-food job at Taco Bell. I didn’t like wearing my uniform before walking (2-3 blocks) to work, so I would carry a duffel bag with my work-uniform and change in the restaurant’s Men’s Restroom. While changing, I forgot my sunglasses that I laid on top of the sink or toilet??? Well, when I remembered this, I went back and it was gone 😦 This was the last time I spent this much on “sunglasses”. Since this “life-learning” experience, I ‘ve bought cheap “discounted” sunglasses (e.g. gas stations, discounted grocery stores, etc…); However, I try not wear them if I really need to now (e.g. driving when the sun is setting or rising in front of me), which is another “health-related” (see => Medical: How to improve your eye sight Part Two? goodnewshealthandfitness.wordpress.com ) long story!

Money Saving Tips For Students | Financial Advice – YouTube

Money Management Tips For Teens – YouTube

College Days!

When I went to college, I was fortunate and blessed (thankful to God) to get a “full-ride” scholarship for 4+ years. However, I still had my “Room & Board” (Fees and Bills) to cover! I lived in the residential halls all 4 years. I look back and wished, I learned how to live “on my own” in “off-campus” housing to learn about “saving money” more! It was expensive living “on-campus” . I should’ve cooked my food and learned how to live in a “house” (e.g. I would’ve learned about utilities and how to “conserve”) off-campus. Well, I was very “gullible” about credit cards. I was “sucked” into applying for every credit card that was given to me in person on campus. I would sign-up just to get a “free” prize (e.g. t-shirt). I didn’t learn much about “credit-limit”. Unfortunately, I would max all of my 3-5 credit cards on this “pyramid scheme” business my sophomore year!

-Credit Cards

Financial Advice for College Students + Credit Card Tips – YouTube

Credit Cards for College Students: Applications, Income … – YouTube

->Budgeting

Budgeting 101 for Current and Future College Students – YouTube

Financial Literacy – 9 things a college student should know

Career Life

Living Paycheck To Paycheck – YouTube

How To Increase My Income?

Misc.

Financial Literacy 101

William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour

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