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The Difference Between Tax Planning and Tax Paying…

28 Jul , 2016  

…Is That With The Same Income You Pay Less In Taxes Is…A Maximum Refund  There are many credits and deductions available to the knowledgeable (or those who pay for the expertise) and the incentive for the government to clearly spell it out is just not there…clearly. They can pad their budget by NOT letting you […]

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

District Judge William Pauley Supports Citizen’s Right To Privacy The police and government offic…

13 Jul , 2016  

District Judge William Pauley Supports Citizen's Right To Privacy

The police and government officials here in the US and in the UK, perhaps many other places, have a device called a Stingray. Acting like a cell phone tower the device forces all phones in the area to ping to the device, and then they can pin point a suspects phone and put something called firmware to bug the device. The is the big brother…eye in the sky…that invades privacy. Granted, it seems to be for the protection of the common good, but that kind of power in the wrong hands…dangerous. Our judicial system has given a solid check to balance that power. We thank them.

#UIP  is a check to the poor decisions of private individuals who want to use your information to their benefit or just reek some havoc…keep your power in check with Ultimate Identity Protection.

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Forbes Says Privacy Geared Phones Aren’t What’s Selling… You know what that means? Your phone l…

7 Jul , 2016  

Forbes Says Privacy Geared Phones Aren't What's Selling…

You know what that means? Your phone likely isn't secure.

Identity Theft Protection is pennies a day for peace of mind always, a quick catch in the event and restoring damage.

If the device itself isn't protecting you, find someone who will. You've come to the right place.

People aren’t buying privacy-focused smartphones

Court documents have revealed that demand for Silent Circle’s Blackphone was nowhere near expected.

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Everything LLC You Never Want To Look Up Yourself

5 Jul , 2016  

LLC, A Distinct Legal Entity, A Limited Liability Company How To Start An LLC: This site makes starting an LLC easy. Click here: How To Start One Name it – But don’t name it theses things. This is a lists of restricted words. It makes sense. You cannot say you are a Day Care Center, LLC when […]

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Condominiums,Credit Repair,HOAs,Home Mortgages,Home Renting,Home Selling,Land Contracts,Landlords,Real Estate Market,Rent-to-Own Homes,Taxes

Budgeting Could Be Simplified By This Key: Biweekly

2 Jul , 2016  

Budgeting To Better Your Life

#1. Map your income and your expenses. 
#2. Dream, make goals.
#3. Match each goal to a time frame. 

Budgeting: The Slow and Steady

We all know that a budget will make things easier. I avoid it because I don’t want to micro-manage myself. I do not enjoy computers (yes, there is irony in my job and my desires). I do not enjoy the idea of money (yes, there is irony in my interests and what I write about).

I’m a people person. I learned something crucial that transferred very well to my neglected financial life.
If I don’t like someone, I just don’t know them yet.

If I don’t like computers and I don’t like money and I don’t like budgeting then — I need to spend some time with it.

As a life practice, anywhere I feel friction, resistance or tension that is where I give the most attention. If a child makes a drawing and says, “I messed up. I need a new piece of paper.” I ask, “Where did you mess up?” The child will point, and flip the paper over, crumple it up, cover it with their hand. The feeling of messing up is bad. It’s shame, embarrassment, rejection, grief, loss of potential. BUT the light bulb clicks if I say, “Where did you mess up? There? Oh, that’s not a mess up..that’s your artist brain learning to tell you ‘what’s not done yet'” And they add a little bit, and they like it.

Life Lesson: Look at what you don’t like. Get comfortable with it.

My bookkeeping would make an accountant cringe. I’m an artist by heart, if not by full-time trade. Cloudbased booking helps. 

simplified budgetingI have approached those three steps:

#1. Map your income and your expenses. 
#2. Dream, make goals.

#3. Match each goal to a time frame.

frequently and often in the last 4 years. I wasn’t getting much better.

I had the classic try-it-out-20’s for a millennial…multiple jobs – pay coming in at odd times. The joke, I just work odd hours; I’m not a ditz. Bills coming in at odd times. The time frame part I really struggled with. I know what bills I have and I am paid up, by the grace of God I know, but I cannot make them match up predictably to my “time frame”.

A friend got a mortgage and I learned something that gave me a budgeting and time frame epiphany.

She could pay her mortgage for LESS YEARS saving thousands of dollars IF she paid the SAME AMOUNT biweekly. Pay at the end of the month, pay longer. Pay half and then pay half, you save SO much money. BIWEEKLY.

Executing this budget has been easier and actually even easier than: JUST DON’T SPEND.

No matter what or when I get paid – I collect it in biweekly amounts. If the pay varies greatly I take the minimum (using anything over that to accomplish long term goals). For example, I might make more but at least I make $10/hour. I might sell some artwork, something on ebay…and that extra money can go into an entertainment or vacation fund – that otherwise doesn’t exist in a one-income-one-dependent household…

Life is full of rainbows and butterflies with my finances in order, and now that things aren’t week to week, pay check to pay check…our quality of life is better, too. If anything bad happened and I needed an emergency fund, I have it. If I think about the burden of my kid going to school with nothing like I did, I’m fixing it. If I have a few hours with nothing to do I will probably use them to make some extra money because otherwise a fun-fund isn’t going to happen.

The ideal percentage break down is:
60% – Monthly Expenses
10% – Debt (preferably long-term savings)
10% – Retirement
10% – Fun-Money
10% – Short-term savings (tithe?)

It’s the ideal within the PRACTICAL.
After 1 year – I’ll free up $300, and then I can tithe, have fun that costs, retire well…

And that, folks is the artist’s focus on finances, from the bottom to okay!

Get your finances in (better) order than mine. The Sub Prime Credit Store has a section for your budget and LOTS more tools to make have you feeling A-Ok about yourself, too. 

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Budgets Could Be This Simple: “I Walk and I Read”

1 Jul , 2016  

Budgeting To Save Yourself From Disaster…

…ruin, from yourself, from bankruptcy, from embarrassment, a big waste of time, working for nothing, being a moron.

HEY! Okay, no need for name calling. You don’t need to muster up so much dislike for yourself and pile on the dread. You don’t need to at least start all those projects your pinned or relive all those tantalizing conversations you had while you were avoiding budgeting – with super-on-point, practiced procrastination, I might add. This is a classic case of “I know you are, but what am I?”…The pot calling the kettle black. Perhaps you are a grey pot and procrastinate less. Or a porcelain ceramic pot and you procrastinate never. 

It’s Not Secret That A Big Part Of Buying A House…

Getting Out of Debt…
Really Any Big Deal In Life Requires SAVINGS

“I’m not the best at budgeting. When I was graduating college and expecting my first child I remembered the value of a $1.00. It’s…a dollar. It’s not a dollar from you today means I can spend that and pay you back at 25% interest” 

But I got it. I got it.

Budgeting: The Hard And Fast

We all know that secret. You need to save to get anywhere financially, especially if you are…underwater. You owe more than what you are worth. 

Don’t Buy Things You Cannot Pay For

My budget was simple and had a hard and fast rule: Do not spend money. 
Remarkably, I found myself fairly able to do that. I paid some bills online from my part-time job direct deposit, and then I didn’t drink, go out to eat, rent movies, or have TV. I walked and read a lot instead. I’m that weirdo who is pretty happy NOT to touch the germy green stuff we call hard cold cash. Plastic, like Barbie, was appealing for a time. 
Your budget could be that simple: I walk and I read. I don’t spend money…someone Else’s money called my ‘line of credit’. Please, someone write that blog post. I’d eat it like candy in a van. 

Origins of Our Personal Budgets

Some people are budgeting to save themselves from disaster. 

Some people start to budget to thrive (more) because they have a lot of money and they want to make more, spend well…well, they are already good with money in a least a few ways, and budgeting goes together naturally with financial skill. 
Some people budget to survive (better). They don’t have more money and a strict budget will help them turn a corner…get married, go to college, have a baby, retire sooner, cover a funeral’s cost, hospital bills, an accident. You know, all of life’s corners. 
But if sailing is smooth, and you follow this hard and fast rule…in our society you can lead a really good life – no matter what your reasons for reading this article are…

The Key! Sacred Budgeting Secret Is In The Spending: 60% Of Gross Income Should Cover IT ALL. 

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Our Banking Practices Go All The Way Back To The Roman Empire What’s Uncle Sam’s is Uncle Sam’s,…

29 Jun , 2016  

Our Banking Practices Go All The Way Back To The Roman Empire

What's Uncle Sam's is Uncle Sam's, and if it's a bank, it's going to invest that dollar by giving it away as a loan, and it comes back with interest and it goes out as a loan, and it comes back with interest, and it goes out as a loan…on and on since #1401.

Actually the oldest continuously, since 1472, operating bank. is Banca Monte dei Paschi di Siena in Italy. The original goal of the bank was to offer charitable loans to the poor, and it came back with interest and goes out as another loan to the poor, and it comes back…you got it?

Credit Unions on the other hand are a rather new thing! Only since #1908. Read this Article from #ITPN  to know the differences and advantages of each.

Breaking It Down: Bank Vs. Credit Union – THE INCOME TAX PLANNING NETWORK

Technology, Speed and Convenience! Bank Has It. Banks have a long history: 1472 Credit Unions have a shorter history: 1908 Banks are for profit. They do not hold your money for you. They invest it. Credit unions are not for profit. They are not non-profit. They invest the profits into it’s account owners in the …

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Why Credit Repair Can Change Your Life

29 Jun , 2016  

You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That’s because more and more businesses are using your credit…

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

Breaking It Down: Bank Vs. Credit Union

29 Jun , 2016  

Technology, Speed and Convenience!  Bank Has It. Banks have a long history: 1472 Credit Unions have a shorter history: 1908 Banks are for profit. They do not hold your money for you. They invest it. Credit unions are not for profit. They are not non-profit. They invest the profits into it’s account owners in the […]

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Credit Repair,Home Renting,Real Estate Market,Rent-to-Own Homes

How #IDTheft  Can Turn a Sweet Pregnant Lady Into a Professional Killer Sound outlandish? It rea…

28 Jun , 2016  

How #IDTheft  Can Turn a Sweet Pregnant Lady Into a Professional Killer

Sound outlandish? It really isn't. Just take a look at this particular story, and you'll be wowed in ways you never thought possible.

Meet Nicole McCabe, a woman living in Israel and six months pregnant with her husband. Life was good; the baby was going to be born very soon — that is, until she heard on the radio that was one of 26 assassins potentially responsible for the death of Hamas chief Mahmoud al-Mabhouh, a war criminal wanted by the Israeli government for arms dealing and murder.

You can imagine pregnant McCabe nearly falling to the floor over hearing THAT one. How can identity theft explain this one? That's easy.

More investigations were carried to find out that the REAL culprit had stolen 26 passports from individuals at an airport and gave one to each assassin for entrance into Dubai for the hit job. McCabe's passport was one of them.

Even though the truth was discovered, it was still a scary thought, being implicated in the murder of a notorious war criminal. Think about it. McCabe could walk into a KMart, followed by a bunch of thugs, and then killed on the spot as vengeance for her heinous hit job of murdering such a crime boss.

Don't get us wrong, it sounds cool — but not when it involves an unborn child. Just saying.

8 Identity Theft Stories That’ll “Awaken the Force” in You

By now you’ll agree that the saga that is Star Wars is itself a number of identity theft stories rolled into one. That should tell you something!

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