Nov 22017

Get a Financial Life in Retirement

By |November 2nd, 2017|Personal Finance Tips|Comments Off on Get a Financial Life in Retirement

Investing for the future can seem like an overwhelming endeavor — until you right-size the challenge in order to get a financial life in retirement. (more…)

Oct 252017

Why Your Halloween Spending Keeps Going Up

By |October 25th, 2017|Personal Finance Tips|Comments Off on Why Your Halloween Spending Keeps Going Up

Halloween spending is pegged at $9.1 billion in the U.S. this year, up from $2.96 billion in 2003. (more…)

Oct 22017

Don’t Sell Yourself Short

By |October 2nd, 2017|Blog|Comments Off on Don’t Sell Yourself Short

Don't Sell Yourself ShortYou have been wanting to start a business for years now. But, who would pay you to do anything? You’ve never accomplished anything, you’re not interesting or excellent at things. Even your family and friends are telling you to just be happy with what you have.

But you still want more. Don’t sell yourself short, you deserve more and here is how you can do it. (more…)

Sep 252017

Gabriel Iglesias Net Worth – How Fluffy Made His Millions

By |September 25th, 2017|Blog|2 Comments

Gabriel Iglesias Net Worth - How Fluffy Made His MillionsLaughter is the best medicine or so they say.

If you don’t have friends or family around to make you laugh then a Netflix and chill night can do the trick.

With comedians like Gabriel Iglesias, you will never stop laughing. But what is Gabriel Iglesias net worth,
and what can you learn from him?

Who Is Gabriel Iglesias?

Gabriel Iglesias is one of the most successful highest paid comedians alive. But, he didn’t start that way.

He was born in California to a single mother and was the youngest of 6. To cope with the rough upbringing he learned to laugh, and more importantly make other people laugh.

He lived a “normal” life, for the most part, going to school, finding work, etc.

In 2000 however, he was done. He quit his job at a cell phone company to pursue comedy full-time, going against the wishes of his family.

His first real success came that same year appearing on Nickelodeon’s All That with stars Amanda Bynes and Nick Cannon.

He used his humor and skill at making voices to find more work on such projects as Family Guy, The Emperors New School, Magic Mike, and The Nut Job.

After rising to fame he then started his own show, as well as several specials on comedy central and later Netflix.

Gabriel Iglesias Net Worth

Gabriel Iglesias net worth is $30 million dollars. Not bad for someone who basically just tells jokes.

Though it’s true so much more work is involved than just telling jokes. Things like practicing, making sure jokes work on crowds, and getting more material from his life.

On top of that, there is a lot of travel, time away from family, and long days.

Lessons From Gabriel Iglesias Net Worth

Gabriel Iglesias net worth didn’t all come at one time. He had to start off small working in clubs for little to no money. If you have a dream take small steps to get there, even if it’s just 15 minutes a day. A million little steps can take you a lot farther than 100 large ones.

Family can sometimes not uplift or get you where you want to go. Gabriel Iglesias own mother strongly encouraged him to not leave his job to pursue this.

Sometimes our friends and family can give advice, even strong advice, that they really think is for our best. However, sometimes we know that we can make it even when no one believes in us.

If you have a dream, believe in yourself and work towards it. Don’t let anything stop you.

A pain for you can be a pain for others. Gabriel Iglesias was given just 2 years to live due to his weight and diabetes. He changed his diet, started working out and lost over 100 pounds.

To lose weight he created an entire product line in order to help him do so and then sold it to others to make himself money.

Odds are if something bothers us it bothers others too. Creating something to solve our problems could help others and give us a nice income.

Disease Called Debt
Sep 212017

How to Tell When a Side Hustle Isn’t Worth It

By |September 21st, 2017|General Personal Finance|Comments Off on How to Tell When a Side Hustle Isn’t Worth It

people-2592010_640To make ends meet these days a lot of people are picking up a side hustle or second job. Having a side hustle has a lot of benefits.

Some of those benefits include extra money, a backup plan to your regular job, and learning new job skills. But in addition to all of the positives, a side hustle may also have some downsides.

If you are wondering about your own side hustle there are ways to tell when a side hustle isn’t worth it.

1. Interferes With Your Regular Job

When you have a regular 9 to 5 job and you pick up a side hustle it can be difficult to juggle both at times. Schedules can get hectic and it can be hard to fit everything in.

Once a side hustle begins interfering with your regular job it may be time to end it. You certainly do not want to threaten your main source of income if you rely on it to keep your bills paid.

Ask yourself if your main source of income is important to maintaining your way of life. If so, consider carefully whether or not you should keep your side hustle.

2. Family Time is Non-existent

Along with the monetary benefits of a side hustle you may end up learning a new skill. However, it can be difficult to find the joy in it if you have no time to spend with your family.

It is important to spend time with your partner, spouse, or children. Otherwise you and other family members may begin to feel like all you do is work and sleep.

3. Doesn’t Pay Enough

One of the main benefits of having a side hustle is the extra income it can produce. You can use the extra money for meeting regular monthly bills or paying off debt. Of course, you could also use the money for trips or other fun activities.

But what if your side hustle isn’t generating enough income for any of these things? Why are you busting your tail, then?

For example, if you love crafts and plan to sew items to sell for a profit, are you charging enough to make it worth the effort? This is one side hustle it can be difficult to turn a profit in. People often forget to include labor costs for the work they do.

Once your side hustle isn’t paying for your time it may be time to do something else with your time.

4. Prevents Other Necessary Activities

In order to live there are certain household chores that we must all do. As an example, you must wash your laundry and do the dishes occasionally.

If your side hustle gets in the way of doing these things to the point that your home is a wreck and you can’t keep up, it may be time to throw in the towel. This is especially true if it is causing fights or hurt feelings with your significant other or spouse.

5. Causes Fatigue

Many people with a side hustle must cut their sleep hours short in order to find the time to work more hours. While this can be done for a short period of time it is harder to maintain over a longer period.

Lack of sleep can cause serious health issues including high blood pressure, increased susceptibility to illnesses, weight gain and depression among others.

In order to perform at your peak in your side hustle, regular job, and in other activities you must give your body the rest it needs. Continually short-changing it will eventually catch up to you.

Is the extra money enough to warrant the risk? Are you planning on turning your side hustle into a full time job?

Think about whether or not it is worth it to constantly feel tired and sluggish. If the answer is no, quit your side hustle.

Jeanne is a married mother of 2 grown children who works a full time job, has two side hustles, and also helps out occasionally on the farm she and her husband own together. Her background is finance and medical office management, and she hopes to help others improve their finances and change their futures.

Sep 202017

Financing Your Health

By |September 20th, 2017|General Personal Finance|Comments Off on Financing Your Health

taking care of your health, health tips, financing your health

According to the United States Department of Labor’s Bureau of Labor Statistics, the average consumer expenditure, during 2016, was $57,311, a 2.4-percent increase from 2015. During the same period, the Consumer Price Index

(CPI-U) rose 1.3 percent, and the average pre-tax income per household increased 7.2 percent to $74,664.

Six of the eight major components of household spending increased in 2016. Of these, cash contributions showed the greatest percentage increase at 14.4 percent. This was followed by expenditures for:

  • Personal insurance and pensions, rising 7.6 percent
  • Healthcare, rising 6.2 percent
  • Food and housing, both rising 2.6 percent
  • Entertainment, rising 2.5 percent

The amount of money we spent on health care rose by 6.2 percent. The main reason for this was an increase in health insurance costs, which rose by 6.1 percent. According to the US government, almost $1 in every $5 spent in the United States by the year 2024 will be directed towards health.

By the year 2024, national health expenditures are predicted to reach $5.43 trillion, yearly. Almost half of that spending (47%) will be paid for by federal, state or local governments, primarily through the Medicare and Medicaid health coverage programs.

The question to ask is why are we spending so much on health care? Why are our bodies “betraying” us in such ways that so much health care is needed? As stated by Desiderius Erasmus Roterodamus “Prevention is Better Than Cure.” Is it not better to look at what we are doing to ourselves to make sure we don’t sabotage our health on a daily basis?

How To Care For Your Health

There are many healthy nutrients, vitamins, and minerals that you should make sure to include in your daily diet. Omega-3 fatty acids are one of these nutrients, and usually not something you will come across in fast food. Omega-3 fatty acids have many benefits. They are a type of unsaturated fatty acid that has been said to reduce inflammation. Inflammation of the body can damage your blood vessels and this then leads to heart disease and strokes.

Omega-3 fatty acids have also been said to reduce irregular heartbeats, decrease triglycerides, reduce blood clotting, lower blood pressure slightly, decrease stroke and heart failure risk. Eating at least one to two servings a week of fish rich in Omega-3 fatty acids appears to reduce the risk of heart disease, particularly sudden cardiac deaths.

Where To Get Omega-3 Fatty Acids?

The easiest way to obtain Omega-3s is from fish. Fatty fish, such as mackerel, herring, salmon, lake trout, sardines, and tuna, contain the most Omega-3 fatty acids and therefore are the most beneficial. This is great to know but also know that many types of seafood contain small amounts of Omega-3 fatty acids so you can include just about any fish in your diet for some added benefit.

Omega-3 Alternatives

When it is not easy or very affordable to buy Omega-3 rich foods, or you don’t like the taste of fish, another affordable and maybe more desirable option is to ingest Omega-3 supplements. The ideal supplement should contain a high ratio of both EPA (eicosapentaenoic acid) and DHA (docosahexaenoic acid) plus other Omega-3 fatty acids. When choosing an Omega-3 product, it is important to choose from a reputable manufacturer. There is a wonderful Omega-3 supplement on the market with exactly the correct ratios of Omega-3 fatty acids. It is not always easy to find such a highly concentrated Omega-3 supplement dense in these fatty acids. Read this Research Verified review to learn more!

How Are We Destroying Our Health?

We are no longer paying attention to what we eat and following a healthy eating plan.Our consumption of junk food is at an all-time high.  According to Partners For Your Health, the average American spends an estimated $1,200 on fast food every year. Children consume an estimated 12% of their calories from fast food. 20% of all American meals are eaten in the car and the drive-through and fast food restaurants have become frequent places to eat.

So What Exactly Is “Fast Food”?

Fast food is mass-produced food that is prepared and served very quickly. The food typically has less nutritional value compared to other foods and dishes. Whilst any meal prepared very quickly can be considered fast food, typically the term refers to food sold in a restaurant or store with preheated or precooked ingredients, and served to customers in a packaged form for take-out.

Due to franchising, there are more fast food restaurants out there than “normal” restaurants.  Many people find fast food restaurants very convenient, particularly with our busy lifestyles,  because they offer drive-through options and “food-on-the-run”. And even when they don’t, you get food served very quickly without needing to think about what to prepare in your own kitchen.

What Fast Food Does To Your Health

According to the American Heart Association, fast food is high in trans and saturated fats which raise blood cholesterol. This puts you at major risk for heart disease and strokes. Fast food also contains a lot of sodium which raises blood pressure. Too much sugar and fat can lead to obesity down the road. Both high blood pressure and obesity contribute towards heart disease so it is very important to pay attention to the food we put in our mouths

According to Centers for Disease Control and Prevention, about 610,000 people die from heart attacks each year in the United States. This is a phenomenally high ratio of 1 in every 4 deaths per year linked to heart disease. Furthermore, approximately  735,000 Americans experience non-fatal heart attacks each year, with 525,000 of these being first time heart attacks while 210,000 cases are related to people who have already experienced a heart attack.

In essence, the best way to finance your health is to take on healthier eating habits, exercise and take supplements that protect your health. This should protect you from spending the estimated millions on treatments, doctors’ visits, and hospital procedures. Some things are easier to prevent than to cure!