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Is financial freedom really a thing?
Tags: Planned Parenthood, Financial Planning, Money Mindset, Saving Money, Long Term Savings

When it comes to money, we only think about how we are spending and what we are spending? We only relate money with materialistic assets and seldom do we realise the hardship it requires to some time earn just a small amount of it. This is why and what we care for. You never know what mayhem or emergency dwells in the contour of our luxurious lifestyle.

Long term financial planning will provide you with a framework of how you can manage your money to achieve goals. To not enjoy life is misery in itself. We will tell you about how you can make the most of life yet sustain a simple and effortless living.

It is even more important for the younger generation to learn financial planning. It is to create assets that yield good returns, support your current as well as future needs, reduce your stress about being money-handicapped and increases self-reliant characteristics this is much required during any emergency. Financial strength can be achieved by various means, most of all the secret is in managing money early.

Rich people need to manage their money well and which is why they more inclined towards wealth creation. Or rather building assets that mint money if not today, then at least in the longer run. Nowadays you can find many financial guides, advisors, apps and assistance that helps customise your portfolio. However, it can be complex and intimidating in nature for you to choose from. That which is both not a good investment or a smart decision to make.

Here are 5 steps to help you in your journey of an independent and liberated self:

https://imaginomist.wordpress.com/2020/12/18/advance-financial-planning-with-simple-approach/
How to create a Five Year Financial Plan to get your life together
By: Money Parent Sg
Tags: Goals, Financial Planning, Planning, Children, Life

Have you ever thought where will you be in 5 years’ time? Having a house? Getting married? Having children? Setting up a business?

Most of the time, life manages to get in the way. And we may realise in the 5 years, we haven’t done anything productive or worth mentioning.

When we haven’t created a plan for the future, we will start living reactively instead of proactively.

So why do we need a five year financial plan?

A five year plan is a great way to focus on your goals and really figure out what you want with your life.

It is also long enough where you can make your goals big, and short enough to make your goals tangible and create actual results relatively quicker.

Thus, how do we create a five year financial plan?

First, ask yourself questions like what you want to do or to have, like:

What do you want to be doing? Would you want to have children? Will you want to upgrade your house? Where would you want your money to be in 5 years’ time? How much would you want to save up by then? Do you still want to be working in your current job?

Once you have these questions, second is to make SMART goals.

Keep your goals specific, measurable, attainable, realistic and timely.

For example, if you are getting your house in 5 years’ time. You would need to save up for its renovation cost. If the renovation cost works out to be $50,000, means that you need to save $50,000 by 5 years’ time by setting aside $10,000 per year. Then ask yourself if this is reasonable and what actions must you take to achieve it.

Before you start working through your five year financial plan, you also need to ask yourself these important questions:

Do you have debt? How long more do you need to clear them? How much are you saving every year? How can you reduce your expenses and increase your income? Do you have emergency savings yet? If not, build up 3–6 months of expenses first. Have you started saving for retirement? If so, how much do you set aside each month? If not, why haven’t you started?

To create a successful five year financial plan, it is important that you do not only set goals, but also create dedicated tasks that you can do each day or every week that will help you reach that goal.

For example, if you are earning $36,000 per year, and you want to save $10,000 per year for 5 years for your renovation cost, not only that, you will also want to save up for other goals like your wedding, your dream honeymoon, your children’s education etc. Is it reasonable if you only spend $18,000 per year?

Thus, it is also important to discuss your plans with someone to map out your financial goals. To see if it’s SMART. Because sometimes, we can only see the goals at our point of view without realising there are other ways to look at them.

Source: https://www.moneyparentsg.com/post/how-to-create-a-five-year-financial-plan-to-get-your-life-together
The Power of Stock Market
Tags: Finance, Financial Planning, Investment, Investing, Stock Market

Burger king IPO

On 4th December 2020, my friend applied for the IPO ( Initial Public Offering) of Burger King. It was priced at ₹60 per share and minimum investment was ₹15000 for a single lot of 250 shares.

On 9th December 2020, his application got selected and was credited with 250 shares 2 days later. Now he has to wait for it to get listed to see if he gets a profit or loss.

On 14 December 2020, the listing price of the shares were ₹115 per share which means he got a profit of ₹13750. He waited till the share price increased to ₹120 and sold 125 shares for ₹15000 and got back his principal amount. Even after redeeming the inital investment he got 125 shares balance. Now that he has got back all the money invested he doesn’t have to fear about any loss.

Its been a week since Burger King got listed. It went to a market high of ₹213.80 and has been seeing a down market since then. Today it closed with a price of ₹157.50 (still makes a profit of ₹19687.5 for my friend ). It may be down for the past three days but this is share market it can rise in long term as long as the company makes profit for itself.
inHow to make Your Money Goals Attainable?
Tags: Financial Planning, Investment, Investing, Goals, Finance

Everyone has a personal set of objectives while defining their financial plans. These can be things you aspire for or can be potential events you might confront. Either way, it’s certainly painless to fulfil pre-planned and pre-identified goals.

Your money goals may include paying off your debts, saving for retirement, building an emergency fund, buying a home, savings for child education, funding for your startup, financial security, etc.

The most common issue raised from not establishing your money goals in advance is that it would pile up your debts and eventually will lead to a financial crisis. Therefore, you should take concrete steps towards attaining them while leaving room for other expenses too.

A few Facts to Keep in Mind

● Fact #1: Identify Attainable Goals!

To avoid financial discontent, you should set some rational and attainable goals.

● Fact#2: Ensure ‘Timely’ and Accurate Financial Goals

Having a clear picture in mind of what, why, and when makes your goals more effective and easily achievable.

● Fact #3: Don’t Forget Short-term Goals

Also, Appropriate financial, retirement and investment planning starts with goal setting that may include short, intermediate, and long-term goals.

1. Key short-term goals cover setting a budget and starting an emergency fund.

2. Medium-term goals cover key insurances, and

3. Long-term goals need to be focused on retirement.

Try to include them in your budget, and plan out how much time and money you can devote to it. Framing a goal plan is a smart way to start. Precisely, you just need to follow the below-mentioned steps to activate your Goal Plan Action:

Steps to Frame A Goal Plan

➔ Target on one personal financial goal; Make sure it has a timeline and also is specific, quantifiable, action-oriented, and logical.

➔ Examine your goal category — as short-term, mid-term, or long-term and develop a timeline for it. However, this may vary based on your situation.

➔ Make a financial plan to achieve your goal by calculating the money it requires and keep aside that much amount.

➔ Look for various ways such as saving, paring down expenses, supplementary earning, or finding additional resources to reach your goal.

➔ Choose resources to stay on course. Financial firms like Fincart can assist you to manage and attain your money objectives in the best possible way thereby ensuring the safety and attainment of your plans.

Conclusion:

Setting goals is not enough; the aim should be towards setting attainable goals. This would help you take command and feel more confident about your decisions. You just need to prioritise your list and set your financial plans accordingly. Clear goals and attainable financial plans empower you to track progress and keep going.

For successful attainment of your financial goals, you must decide what goals you want to attain, how much funding it needs, resources it requires, how much time would you expect to attain them. Moreover, in case you fall short, you have some healthy money habits with you.
The 12 Best Sentences I Read This Year
By: Michael Dunn
Tags: Financial Planning, Investment, Investment Research, Psychology, Finance

“They say that ‘history is written by the victors,’ well so is most of the financial advice…It’s easy to come up with a story for how you earned your wealth after you earned it.” – Nick Maggiulli, Of Dollars And Data: “The Problem With Most Financial Advice”

Let’s go back to a simpler time. Imagine you are 5 years old walking through the carnival with your buddies. There’s one of those big glass jars filled with M&M’s and for just 25 cents you can guess how many blue M&M’s are in there. You and your friends each take a turn guessing and as luck would have it — one of your friends gets it exactly right! Walking away from the booth with the prize of their choice, the friend who guessed right suddenly claims to have a simple and foolproof method for how he did it. He says he’ll share it to whoever pays him a dollar.

Seems a bit devious for a five-year-old I’ll admit, but the analogy is helpful to understand Nick’s point. Just because someone currently has money, does not mean that they earned that money through a repeatable process that they can sell to you. Nick mentions that the easiest way to save a lot of money is to make a large income. While this seems obvious, you’d be shocked how many influencers out there are making money by preaching the “70% of your income should go into savings” motto. This method works if you are making $230,000, but for the average American household ($68,703/yr.), this leaves only $1718 per month to live on.

Sure, there are some that may have a great method for guessing how many M&M’s there are. But, there are also those out there who will turn their lucky guess into an opportunity to take your dollar.
What does it take to confidently attempt an Orbit Shifting Career Pivot?
By: Rahul Khare
Tags: Startup, Growth, Financial Planning, Entrepreneurship, Careers

Steve Jobs said in his famous Stanford Commencement speech “…dots will somehow magically connect…but they always connect backward…”. Well, maybe I am paraphrasing a bit, but he said something close to this effect. I couldn’t agree more.

In 2018, after working quite successfully (well…at least in worldly terms) in the safety of big companies, I wanted to explore the wilderness of building something of my own from the ground up. By then, I had a good run for 13 years working with mid-size and large B2B companies helping them solve problems related to growth working with clients and teams in India, Middle East, and the US. I’d grown my income 25X in 13 years and have been consistently near the highest-paid person in my ‘band’ with my employer. Pretty much always,I have been the youngest person in the room.

Ok, back to my situation. Now I know that as mid-management employees, sometimes we all crib about our jobs and discuss startup ideas with office friends on a Friday afternoon. But the only difference was that I was serious! Serious to jump out though without wings or a parachute. I had only 3 things: a sincere intention to work independently, a deep desire to make it big (impact, value, legacy), and an inadvertently created safety net that allowed me such a stunt — EVEN with a family and no family riches.

Photo by NeONBRAND on Unsplash

Quitting a high paying job at a great company without a solid plan meant starting at no stable income immediately till who knows when. But I could take a calculated risk to back myself on my desire to go on my own because of my preparation that had started over the last 4–5 years. In this article, I am sharing those preparations so that others like me could be more deliberate about creating a safety net before jumping off. These are not perfect, but they’ve worked for me in enabling me to make a real decision in very real circumstances with very real constraints. I have written in the spirit of sharing What I did? Vs suggestions with shoulds and oughts. So here we go.
4 GOLDEN RULES OF MONEY
Tags: Financial Planning, Share Market Tips, Investment, Investing, Finance

4 GOLDEN RULES OF MONEY

1) Split Savings from Spendings

2) Emergency Fund

3) Insurance is not Investment

4) Give your money an Equity Exposure

1) Split Savings from Spendings

Globally followed savings technique is 50–30–20 rule.

Which means split your income into 3 portions of 50% for your basic needs (food, clothing, electricity etc); 30% for your wants or luxury and; 20% for investment (MUST).

I would suggest a 50–10–40 split respectively if you are unmarried, 50–20–30 if you are married without kids and 50–30–20 if you are married and with kids.

2) Emergency Fund

It would be wise to have an Emergency fund which may come in handy in time of need. A perfect example for this would be the current COVID situation. If you have an emergency fund you can face any emergency financial need without redeeming your investments. I suggest to keep an emergency fund of about 6 months salary if unmarried and about 12 to 18 months salary if married.

3) Insurance is not an Investment

Many would have seen your parents investing in life insurance such as LIC. They think of it as an investment which only yields a return of 4% per annum that too only if you keep on investing for the said period of 15 or 20 years.

Insurance at investment point of view is simply waste because if you need your money before the period of maturity you won’t even get the money which you have invested. Say if a person puts an insurance policy for 15 years and he needs money at the end of first year. As per the terms and conditions of the insurance company the amount you invested for the first year completely goes to the company and the insurance agent, from the second year onwards a part of year investment goes to the company and the agent. Even at the end of 5 years you could only get half the amount you have invested.

4) Give your money an Equity Exposure

You would have heard this a lot “Investing in mutual funds (share market) is subjected to market risks please read the scheme documents carefully”. Yeah it is subjected to market risks but it is not a risk that is impossible to play with. You need not be an expert to be an investor.

If you feel unsafe to expose your money to equity (share market), just invest in Nifty Index and Nifty Next 50 funds. It may be a risk investing in share market for a short period of time but it is never a risk when you hold for a long term. The history of Indian share market has never seen a loss in the above said funds for long term in a cycle of 7–8 years. Yeah there may be a market crash after 8 years but it rises again which gives a yield of 10–14% per annum.

NOTE:- Share market is only for long term investors.
Why Consultants?
By: Advia Consulting
Tags: Consulting, Business, Financial Planning, Strategy

Have you been here before?

Ever heard of someone who can’t take advice? They may be called stubborn, pigheaded, visionary, or trailblazing, but they can be hell to work with. You’ve probably worked for someone like that, who preferred authority to efficiency. They knew that as long as they did things the company way, they would keep their job, even if things went badly. Sometimes it felt like they had a rulebook instead of a brain. We’ve all been there.

And then…

We start our own company and act exactly the same! Things we half-remember from business books can become mantras. We start saying things like “that’s the way it is” or “it’s just easier that way.” this is the attitude we need to eliminate in order to grow our business or even to make our current size business more efficient.

But aren’t consultants scammers? Won’t they waste my time?

There are well-heeled consultancy firms that will charge millions of dollars. They tell you to fire your workforce, give yourself a raise, and sell your debt to some holding company. Their greed has marred the reputation of hard-working advisers for at least a generation, probably a few.

But a consultant is anyone who advises another, and sometimes, especially with groups like Advia, every dollar spent represents savings, new revenue, or stress reduction. You’ve only run one company; they have experience with dozens in your industry.

Overcoming human nature

It’s human nature to want to do everything yourself. But you wouldn’t be reading this page if there wasn’t some doubt, some question about other ways to have a business. Our team would be happy to talk to you because we only want clients who are ready to change and who we can help. That’s the true answer to the initial question. And if you read this far, a short email might change your business forever.
The Truth About Debt…
By: Crystal Tellis
Tags: Financial Planning, Debt Relief, Financial Freedom, Debt, Finance

The Truth About Debt…

Photo by Avery Evans on Unsplash

Remember being 18 years old, and everyone pressuring you that you need to start building your credit score, or you won’t be able to have the freedom to get a phone or a car, or rent, or a house, or a good rate on utilities???

Well, they were pressuring you to get into debt, so you can get a good rate on fixed payments and contract deals, that most won’t help you build net worth.

Part of the contract we sign at 18 years old, when we get any form of debt, is we will pay X amount every month or year, till it’s paid off. It’s called the debt formula.

Debt Formula

Debt = Change of Lifestyle for ‘X’ Amount of Months/Years

When you take out a student loan for $10,000 and a 3.25% Interest rate, with the intention of paying it down in 10 years. You are signing a debt contract, where you will make a fixed rate of $1,325 per year or $110.42 per month. Meaning you will have to make a minimum of that amount every single year.

For most individuals that means holding a job for 10 years straight, that will make a minimum of $40,000 per year to cover their bare essentials and in addition their debt. Meaning the cost of living and your lifestyle cost increases by the debt you put yourself in.

For many years myself, I have struggled with debt. Particularly credit card debt. I really wanted to have a good credit score, although as a young 20’s person, my income isn’t solid for 10 years straight. I take on contract work, that requires constantly saving money to prepare for when the contract ends. I made my lifestyle cost higher than my income, without the acknowledgement. There’s so may people in their 20’s whom are in my situation.

Removing Debt But Building Credit

I decided to Dave Ramsay my credit cards. I use prepaid cell phones to cover my bills. It’s a more affordable option. I get unlimited calls, unlimited text, and a data plan for $30 per month from Cricket Wireless, whom is powered by AT&T. Instead of credit cards I use credit builder accounts. You pay a certain amount of money every month for a year, and at the end of the year, you have a savings account waiting for you. At the same time you get to build credit. The company Loqbox, allows you to put the funds in their partnered bank saving accounts after. It’s a great way to build an emergency fund while building credit.

Another tool is by taking your monthly rent and utility payments, and reporting them to credit bureaus. The company LevelCredit enables individuals to report payments they normally make for credit reports.

Instead of putting individuals with poor money management habits into financial debt to build a credit score, you can build credit an alternative way, for things you always pay for or need.

With these tools, you can build credit while building your emergency fund, and paying for your basic necessities regardless of your lifestyle. Having control of your finances regardless of money habits to fit into your personal lifestyle.
5 ways to triple your loan approval’s chances
By: Bhanu Devtalla
Tags: Financial Planning, Loans, Online Shopping, Instant Loans, Fintech

Do’s

Paying bills and EMIs with punctuality

The wise use of your credit card

A regular glance at your loan report

Do Not’s

Applying irrationally for multiple credit cards at the same time

Maxing out the limit of your credit card

Defaulting on your monthly EMI’s
Your Proactive Caregiver Advocate: Dr Cynthia Speaks!
By: Dr. Cynthia J. Hickman
Tags: Care, Financial Planning, Caregiving Tips, Preparedness, Family Caregiving

Caregiving and Finances: Preparation Prevents Challenges

Have you ever considered how costly the caregiving role can be? The financial portion of caregiving is assumed by those not directly involved in the role’s day-to-day duties. Understanding the cost of caregiving can be considered a ‘No Brainer’ but appearances can be deceiving when it comes to finances. It is a significant component in the caregiving field. Money matters, plus, it is needed to provide supplies, services, and equipment that a loved one may need. Money helps in making choices and if not discussed, it can create a friction between family members.

Discussing the financial resources for a loved one ahead of time is a proactive step in preparing for what may come. In my book, From The Lens of Daughter, Nurse, and Caregiver: A Journey of Duty and Honor, I share my story of quitting my job to care from my mother. Placement in a nursing home was never an option, so my decision to leave a high-paying job took some short-term soul searching. I had to consider what it would look like going from a two-income family to a one-income family. Yes, I must admit, I loved my job. Nursing is my sacred profession. I was at the top of my game, as they say in corporate America. As a case manager of a cardiovascular unit, I had earned the respect from physicians in the Texas Medical Center and Texas Heart Institute. Many days I would have physicians at my office door asking my opinion. I was good at helping colleagues, patients, and their families navigate the challenges of heart disease and home life.

My decision to bring my nursing skills home required financial planning. Please do not delay discussing the financial management of care. It ought to be discussed with the care recipient (if possible), and those who may be involved in any aspect of caring for a loved one. Consider the financial aspects of your care village and allow others to align their resources with the care needs of your loved one. The role of caregiving is stressful enough. Proactive planning will provide you a sense of security and it will also allow you to plan for the resources that will help you attain holistic care for your loved one.
Objectives Financial Planning and Management
By: Ilan Korchmar Axa
Tags: Business, Financial Planning, Organizing

All business dealings involving money are termed financial activities of the company. Planning, organizing, controlling and directing the financial deals like arrangements and spending the money for the success of the company is known as financial management says Ilan Korchmar. It is possible by putting in the basics of management to the various financial transactions of the business.

Following are the various features of financial management:

The board members are required to make important investment decisions including investment in property also known as Capital Budgeting. The decisions taken regarding investment in current assets of the business are termed as working capital decisions.

Financial decisions: The important decisions regarding financial aspects of the business like identification of the right sources from where the money is arranged at a lesser cost for a definite period and how much that amount could earn for you.

Dividend Decision:-

The decision of dividend from the net profit of the company is distributed among the shareholders of the public limited company and the rate of it is finalized by the financial manager of the company.

Retained profits: The net profit of the company is calculated after deducting the expenditure incurred on the expansion plans of the business.

Objective of financial management: The purchase, distributing the raw material to the different departments and money control is looked after the officials of financial management. It also ensure maximum utilization of funds at the minimum cost.

One of the main objective is to make sure that there is no paucity of funds to the company and the earning graph of the company is ever increasing and the shareholders of the company feel contented with the profitability of the company says Ilan Korchmar AXA.

Another focus should be the maximum utilization of funds available with the company and arrange them at lower cost.

Determination of capital composition:

Before investing your capital in any of the asset class, an estimate should be made of the capital to be deployed differently. This would include both short and long term investment in equities and debt market. The ratio of the cash owned by the company and the equity capital of the company largely forms its capital structure.

Choice of source of funds:

Additional finance required for the company could be arranged in several ways by either mortgaging shares and debentures with the bank or by encashing public bonds says Ilan Korchmar AXA. Each and every source from where the procurement of funds is to be made is by analysing the pros and cons and duration of financing and how much does it cost.

Investment of funds:

The financial manager of the Enterprise must have the expertise to invest the arranged funds in those areas which are profitable and the profits on investment are both regular and secured.

Originally Posted: https://ilankorchmar.wordpress.com/2020/12/16/objectives-financial-planning-and-management/
Our Blog has Moved!
By: Financial Readiness
Tags: Money Tips, Money, Military, Financial Planning

Our blog has moved! Find new financial tips, money management hacks and helpful personal stories on the Mission: Dollars and Cents Blog , now live on the FINRED website.
Is it too late to start building an Emergency Fund? Never. Let’s see how?
Tags: Financial Planning, Covid 19, Investment, Investing, Finance

Life is unpredictable. You may have nasty surprises bumping on your head without alarming you in advance.

The ongoing pandemic- Covid 19 has reiterated many lessons to all of us: including the significance of having Emergency Funds in our hands and its value in our financial planning course.

Apparently, people have been striving to overcome the dropping economy of our country. On the contrary, those who had managed to create Emergency Funds have been subsisting with a smoother esprit.

COVID19 and its spread across the globe have threatened the entire mankind to accept the CHANGE. It made us realise that very little of what impacts our lives is actually within our control. One of the cases of this downfall is the involuntary job loss. No one’s job is protected today. Even managers who have been at the post for 10–20 years have faced the unemployment crisis during this pandemic. The country itself suffered more than 100 million job losses in 2020.

Financial Planners , Investment planners

Such disruption hurts even more if you do not have an Emergency Fund to plunge back on while your monthly cash-flows are ceased.

An Emergency Fund is the money kept aside for the unpredictable uncertainties; this money can be kept aside in very low-risk deposits or mutual funds that would be easily accessed in case of an emergency. Ideally speaking, it may include your 6–12 months of monetary liabilities or responsibilities such as your EMIs or rent.

A Contingency/Emergency fund needs to be:

★ Easily accessible at the time of emergency

★ Sufficient enough to meet 3–6 months of your expenses

★ Fully reliable for uncertainty periods

If you still don’t have that, you can plan to have it today despite your meagre income.

Tips to start building your EF from the scratch:

Tip #1: Evaluate your average monthly expenses

Tip #2: Multiply that figure by 6 and set it as your target figure.

Tip #3: Set aside a sufficient amount for the EF based on your earnings and affordability.

Tip #4: Place this amount in a separately: maybe in a savings account, a bank FD, Liquid funds or SIPs, that hold a good track history.

Tip #5: Keep supplementing this fund until you reach your target corpus that would aim to cover at least 3–6 months of your average monthly expenses.

Tip #6: Lastly and most importantly, do not touch this fund till an emergency strikes.

Investment planners , Financial planners

Conclusion:

Think about creating a personal Emergency Fund today. Set some rules that assist you in managing the funds properly. In simple words, manage to keep some cash in a safe but accessible place so as to use the same when you actually want it most. You’ll certainly be able to withstand any exorbitantly high expense that life may throw at you.

Still confused how to start an emergency fund? We are always there to help you. Take advice from domain experts today. For more info, visit: Fincart.com
Billy Crafton ! Billy Crafton Jr ! Billy Crafton Sports — Itsmyurls
By: Billy Crafton
Tags: Billy Crafton, Financial Advisor, Financial Planning, Finance

Billy Crafton ! Billy Crafton Jr ! Billy Crafton Sports — Itsmyurls — Billy Crafton’s latest new profile now available at Itsmyurls website, visit this link to follow now. https://itsmyurls.com/billycrafton #billycrafton #billy #crafton #billycraftonjr #billycraftonsports #billycraftoninvestments #billycraftonfinancialadvisor

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Billy Crafton Investments ! Billy Crafton Financial Advisor — Brijj
By: Billy Crafton
Tags: Financial Services, Financial, Financial Planning, Billy Crafton

Billy Crafton Investments ! Billy Crafton Financial Advisor — Brijj | Brilly Crafton’s new profile now also available at Brijj website, follow this below mentioned link to visit profile now. http://www.brijj.com/billy-crafton #billycrafton #billy #crafton #billycraftonjr #billycraftonsports #billycraftoninvestments #billycraftonfinancialadvisor

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I Am $34,425.38 In Debt
Tags: Savings Plan, Dave Ramsey, Financial Planning, Debt, Finance

P&L Report for 12/6/2020–12/13/2020

Total Income from Sunday-Sunday

Photo by Jp Valery on Unsplash

Daily Breakdown

Income

Sunday 12/6

$0.91 on Medium for my story “How I Set Boundaries Article”

Yotta Interest $0.20

$5.02 on Depop

Spent

$12.86 Amazon

Monday 12/7

Income

Spent

$ 32.91 Instacart Groceries

$606.34 Car Payment

$12.00 Nordstrom Credit Card Payment

Tuesday 12/8

Income

Spent

$50.00 Yotta Savings Account

$35.00 Chase Credit Card Payment

Wednesday 12/9

Income

Spent

$0.00

Thursday 12/10

Income

$151.73 Day Job

$0.02 on Medium for my story “To The First Boy Who Broke My Heart”

Spent

$0.00

Friday 12/11

Income

$151.73 Day Job

$0.01 on Medium for my Story “A Side Gig that Made me $24,594.71”

Spent

$25.00 Yotta Savings Account

$617.44 Apple Credit Card Payment

Saturday 12/12

Income

$0.00

Spent

$155.24 Nordstrom

$38.72 Tj Maxx

$185.91 Amazon

Sunday 12/13

Income

$12.00 Poshmark

Spent

$152.64 Amazon

$16.98 Amazon

Total Income for this week $786.26

Total Spent for this week $1,941.04

Fuck.

Now hear me out, I usually do not spend that much on consumer goods but they were christmas presents. I could not pass up getting my baby niece a purple velvet Nike jumpsuit or new pots and pans for my mama.

I am trying to be more cautious of my spending, hints all the debt i’m in.

Well follow back around next Sunday for this upcoming week recap.

XOXO,

Sage
I really like the single lane race analogy.
By: Hogan Torah
Tags: Psychedelics, Financial Planning, Strategy, NBA, Self

I really like the single lane race analogy. I’ve allowed the success of the less deserving affect my strategy. I knew what to do but my god there’s so much shit being flung by flukes that had one piece of shit stick that are now selling classes for 600 bucks a pop that I started second guessing myself.

Stick to my plan. I know it works! Fuck these shit flingers!

(╯°□°)╯︵ ┻━┻

Thanks! I needed that.
5 Smart Financial Moves You Should Make Before 2020 Ends
By: Rose Bak
Tags: Personal Finance, New Year, Financial Planning, Money, Life Lessons

I think I speak for everyone when I say, “good riddance 2020”.

With the new year so close we can almost smell it, most of us are eager to slog through the holidays and get a fresh start.

But don’t forget that we still have a few more weeks left in the year.

Before you watch the ball drop from the socially distanced privacy of your home, set aside some time to look at strategies to ensure that you are not losing out on money or benefits unnecessarily.

You can set yourself up for a better future by completing five important tasks that can have a positive financial impact for you and your loved ones. Here’s your end of the year action plan:

1. Spend down your flex spending account

If you contribute to a flexible spending account for medical expenses that ends on December 31st, you still have time to spend down your funds. Remember, the money that you contributed must be used by the renewal date, or you forfeit the money.

Go through your receipts and make sure that you have requested reimbursement for any expenses you have incurred so far this year.

If you have already submitted your receipts for all of your 2020 expenses and still have a balance in your account, consider doing this:
OnePlus 9 Pro Could Come With Official IP68 Rating, OnePlus 9 and OnePlus 9E May Not
Tags: Mobile, Oneplus, Tech, Technology, Smartphones

OnePlus 9 Pro has been tipped to include IP68 residue and water-opposition rating. The telephone is required to be important for the following leader arrangement from the Chinese organization that may incorporate the vanilla OnePlus 9 and a restrained OnePlus 9E. Till now, just OnePlus 8 Pro has accompanied an official IP rating, however some OnePlus telephones in the past have had some water obstruction estimates like with the OnePlus 7 Pro. Starting at now, OnePlus has not mutual any official data on the forthcoming OnePlus 9 arrangement.

Known insider Max Jambor (@maxjmb) has asserted by means of Voice that the OnePlus 9 Pro, expected to be the top-level OnePlus 9 arrangement telephone, will accompany an authority IP68 rating that will make it residue and water impervious in a specific way. The insider likewise expresses that the vanilla OnePlus 9 or the OnePlus 9E won’t have an official rating, however it is indistinct if OnePlus will add a type of water protection from the these telephones.
Smartphones You Can Buy At Different Prices in Dec-2020(From Rs. 8,000 to 45,000)
By: Brijesh Patel
Tags: Samsung, Flagship Phones, Mi, Phone, Smartphones

List of Best at Different Price (Value for money)

Phones above Rs. 50,000 not included as they all are great from any brand.

I have figured out some of the best picks at different price considering Battery, Camera, Performance, Build, Display Etc.

Poco C3 (4GB,64GB) (Rs. 8,000)

-By POCO India

By POCO india

Buy Link:

POCO C3 ( 64 GB Storage, 4 GB RAM ) Online at Best Price On Flipkart.com

Discounts: 10% on ICICI Credit Card

2. Poco M2 (6GB,64GB) (Rs. 10,000)

Buy Link:

POCO M2 ( 64 GB Storage, 6 GB RAM ) Online at Best Price On Flipkart.com

Discounts: 10% on ICICI Credit Card
NOKIA PHONE TA-1377 MODEL CERTIFIED BY GCF FOR EUROPE
Tags: Nokia, Nokia Mobiles 2017, Nokia 3310, Smartphones, Smartphone Addiction

NOKIA PHONE TA-1377 MODEL CERTIFIED BY GCF FOR EUROPE

Now, prior to those battery certifications, Nokia Mobile also received certification for a new phone with model number TA-1377 on December 7. It was certified by GCF (Global Certification Forum) that is usually for Europe.its not 5G??

Read full news

https://www.techieness.org/post/nokia-phone-ta-1377-model-certified-by-gcf-for-europe
Motorola Razr 5G
Tags: Foldable Phone, Motorola Razr, Smartphones, Motorola

Motorola Razr 5G

Hi friends today I will be talking about the smartphone which is different from the other yes I am talking about the Motorola Razr and I will share my first impression of this phone without the delay let’s start,

Friends as I’ve already said that this Smartphone is different from the other smartphone and the amazing thing is its box is also totally different from the other smartphone boxes.

Read more
OnePlus 8T 5G (Aquamarine Green, 8GB RAM, 128GB Storage)
Tags: Oneplus, Oneplus8tprice, Oneplus 8t Specifications, Smartphones, Oneplus 8t 5g

OnePlus 8T 5G (Aquamarine Green, 8GB RAM, 128GB Storage)

Hi friends welcome to my new article, Ultra Stops at Nothing. What amazing phrases the oneplus discover. Yes, today I will talk about Oneplus 8T 5g and I will give my first impression. Many of the people are waiting for this phone. Let’s talk about what will you get inside the box obviously you will get the smartphone, case, USB type C to USB type C is their friends it’s not USB to USB type C. This time the big change is there in the 65-watt charger previously the charger comes in squarish shape but this one is something different in the design. friends one thing I want to say about the adaptor is the power delivery adaptor. The case is also very strong. Let talk about the phone now, the back of the phone is a glass back and absolutely smooth, definitely, it will attract fingerprints. Now I will tell you the weight of the phone, it’s approximately 190 grams.

Read more
How to Choose a best smartphone in 2021
By: Shree Chavan
Tags: Choose A Best Smartphone, Mobile, Smartphone Choosing Guide, Best Smartphone, Smartphones

Best smartphone buying and using guide

Before buying any mobile, the only question that arises in everyone’s mind is what things should be kept in mind while buying a mobile? , what to consider when buying a mobile phone? Because today everyone wants a phone of their choice. So here we are going to discuss the same thing. So don’t skip any single word and read Carefully the whole article.

First of all, you have to clear your mindset from one thing that doesn’t buy any mobile phone by looking at their company or Brand. Because everyone tells you that this Company is not Good, these mobiles brands don’t last, this mobile gets damaged very quickly, this is a Chinese company, this is a very Bad company. But you have to know that no one has complete and proper information about anything.

There are many more factors for considering before buying a new phone, to choose your best phone as per better features and you are confused with choosing features then follow — this link for better information
Can you play PUBG on the Infinix Zero 8i smartphone?
By: Ishaan Bakshi
Tags: Mediatek, Technology, Gaming, Smartphones

When the Infinix Zero 8i released the first thing I thought was the fact that this was the perfect gaming smartphone with a perfectly reasonable price tag. The market is swarming with so many devices as we all know and new ones keep cropping up every now and then. The new Infinix Zero 8i is definitely capable of handling games like PUBG and Fortnite. The phone is equipped with great gaming support in the form of its integrated processor and also RAM and battery.

Infinix has been doing really well as a brand in their smartphones department. So many great ones have been launched by the company this year like the Hot 10, Note 7 etc. And now, with the new Infinix Zero 8i smartphone we have got a great gaming option for the mid-range segment as well. The Infinix Zero 8i comes with a price tag of Rs. 15,999 for the single 8GB RAM + 128GB storage variant, as stated on Flipkart. The new Infinix Zero 8i definitely has a number of amazing features worthy of its price and the foremost being its efficient gaming processor. The smartphone is packed with an octa-core MediaTek Helio G90T SoC, which is a superior gaming chipset from MediaTek well-equipped to handle heavy gaming and all sorts of tasks with a smooth interface.

Now, let us take a look at the integrated processor’s technical specifications for an idea of its efficiency and power. The MediaTek Helio G90T is manufactured in a 12 nm FinFET process and is equipped with 2x big ARM Cortex-A76 cores with up to 2.05 GHz and 6x small and power-efficient ARM Cortex-A55 cores in two clusters. Also, as the company states, the MediaTek Helio G90T has 5.92% faster CPU speed than other contemporary chipsets in similar or higher price range in the market. In terms of RAM as well, the Helio G90T is incredible with 2133 MHz RAM speed. In storage and memory MediaTek Helio G90T supports up to 10 GB of memory. The Helio G90T is the brand’s most superior and well established gaming chipset in the series in the market. The Helio G90T powers phones like the Realme 6 and the Redmi Note 8 Pro by Xiaomi and is a pretty solid performer. The MediaTek Helio G90T was introduced in 2019.

Besides these technical aspects, as with other G series chipsets, the Helio G90T also comes with the in-house HyperEngine gaming technology that boasts of providing eye-popping images and a lag-free run which makes the gaming experience smooth sailing. This technology is especially suited for tackling graphically challenging games like PUBG and Fortnite which can make even a very high-end device heat up fast. I think it’s pretty safe to say that the Infinix Zero 8i is an incredible addition in the segment of mid-range gaming smartphones.
2020’s Best Mid-range Smartphones
By: Everything Cj
Tags: Price, Phone, 2020, Mid Range, Smartphones

Best of S20 Series and cheaper!

Strengths:

Option of Snapdragon 865 in the UK

Nice 120Hz panel

Fantastic array of colours

Weaknesses:

Secondary cameras is okayish

Main Take Aways

At £699 it may be pushing on the label of mid-range but such is the market currently. Samsung has though put a lot of features into this phone without losing too much.

This phone has a fantastic flat 120Hz OLED panel with many colours and deep blacks, there is a 6GB fast RAM and a decent 128GB storage space. In terms of camera specs, there is a triple camera array on the back which is assisted by an amazing 12MP camera that captures bright light with detail and intense colours.

There is no Qi charging, IP68 rating or expendable storage. But don’t let that bring you down because there is the Snapdragon 865 chipset giving it a better performance and battery life with 5G support too.

There is a mate finish which is attractive and finger points are barely noticeable, there are also nice colour options to choose in like deep blue and striking red.

Google Pixel 5
Xiaomi Mi 11 Images Confirms the Design — Tech Carving
By: Faizan Ahmad
Tags: Xiaomi Mi 11, Xiaomi, Technology, Smartphones, Android

Xiaomi Mi 11 launch is set for 28 December and before that, we’ve got the official Xiaomi Mi 11 images. These leaked images confirm the design of this flagship handset which is also the first phone to feature Snapdragon 888 SoC.

The first thing we notice is the display which has few edges. Despite this, the image does not reveal the upper portion of the display to confirm the positioning of the front camera. The backside has a triple camera setup in a square module with round edges.

Besides this leak, Xiaomi released a video confirming the Xiaomi Mi 11 will come with Gorilla Glass Victus. The company also points out that the cost of using technology in the display is as high as that of producing a TV.

For now, Xiaomi has not made any comment on the leaked Xiaomi Mi 11 images. Talking about the specifications, the phone will have Snapdragon 888 processor, 108 MP main camera. In addition, we also have a battery of 4,780 mAh with fast charging of 55W.

Anyway, the company has nothing more to hide, since the launch of the devices is very close and practically all details have already been leaked. So just stay tuned, as we’ll be covering the virtual launch.
OnePlus 9 powerful smartphone will come with 50MP camera, know what will be the features before launch
Tags: Tech, Technology, Technews, Smartphones

Oneplus 9, the upcoming flagship phone of premium smartphone maker OnePlus, has been in the news on the internet even before knocking in the market. Some time ago it was reported that the company is preparing to introduce the OnePlus 9 series next year. In this series, OnePlus 9 and OnePlus 9 Pro as well as OnePlus 9E will also be introduced. At the same time, the specifications detail of OnePlus 9 has been leaked before the launch of Oneplus 9 series. Let’s further tell you that everything about the camera sensor and battery charging capacity given in OnePlus 9.

According to a report by Publish SlashLeaks on GizmoChina, the OnePlus 9 will see a triple rear camera setup in the vertical line, with a primary sensor of 50 megapixels and with f / 1.9 aperture.

According to the report of Slashleaks on GizmoChina, OnePlus 9 will have a triple rear camera setup in the vertical line. In this setup, a 50MP primary wide-angle sensor (f / 1.79) will be given, which is larger than the 48MP of OnePlus 8 / 8T. In addition, a 20-megapixel ultraviolet lens with f / 1.8 aperture and a third camera with autofocus feature will be 12 megapixels. Earlier, it was reported that the OnePlus 9 series camera will have a Leica lens, so you can guess that the OnePlus 9 series smartphones will be great in terms of picture quality.

At the same time, previous reports had said that the 48MP triple camera setup will be given in OnePlus 9. However, there is no confirmation from the company yet about the OnePlus 9 cameras. Also, the company has not given any official information about this series yet.

OnePlus 9 specifications

OnePlus 9 5G will reportedly sport a 6.55-inch display with 120Hz refresh rate and HDR content. The display is expected to have FHD + (1,080 x 2,400p) resolution and 20: 9 aspect ratio. Also, the phone is expected to have Qualcomm Snapdragon 888 chipset with 8GB / 12GB RAM and 256GBGB internal storage. The phone will not support storage expandability via microSD card. The device will work on Android 11-based OxygenOS and for power backup the device can come with a 4,500mAh battery with 33W fast charging.