Podcast Episode 5, I Bought a New(ish) Car!
Episode 5 of the Change in Advance podcast is out. 10 minutes on my latest purchase and my mindset on making large purchases.
Let me know what you think folks.
Tony@changeinadvance.com
Tag Archives: wealth mindset
Podcast Episode 5, I Bought a New(ish) Car!
8 Oct
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- Categories Conquer, finance, podcast, success
Free ebook: The Richest Man in Babylon
1 Jul
Free ebook: The Richest Man in Babylon
Search richest man in Babylon for your free download
An amazing, mandatory read.
Master your finances and get a great read to boot.
The Richest Man in Babylon is a favorite in my collection and I already own a physical copy so I figured why not get a digital one, and for free?!
Wooooo!
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Tags: free ebook, blogger, e-book, entrepreneur, entrepreneurial mindset, finances, financial freedom, george clason, george s clason, Live Brolic, reading, richest man in babylon, success mindset, thrive or survive, wealth mindset
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- Categories Conquer, Entrepreneur, finance, free books, Mindset, success
Join Robinhood get a free stock
10 Feb
Join Robinhood and we’ll both get a stock like Apple, Ford, or Sprint for free. Make sure you use my link.
Click pic for your free stock!!!
https://share.robinhood.com/antonil200
Join Robinhood get a free stock
No gimmicks, I included a screenshot from my phone to show you the 4 shares I earned from 5 minutes of effort.
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Tags: blogger, entrepreneurs, free stocks, free stuff, free wealth, freebies, Live Brolic, robinhood, robinhood app, success, success mindset, thrive or survive, wealth, wealth mindset
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- Categories Conquer, Currency, Entrepreneur, finance, free help/apps, Gold
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- t.loubriel@gmail.com Changeinadvance@gmail.com @changeinadvance Or add me on facebook for a chance to win some free 1oz silver coins!!! Facebook.com/changeinadvance
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- <!--[if gte mso 9]>--> Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 <!--[if gte mso 9]>--> <!--[if gte mso 10]>--> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} So if I understand correctly politics is undermining fiscal cohesion. Sounds like the norm right? Every time the average Joe turns his head there’s more turmoil or chaos in the financial world and everyone is guarding their pennies. Safety is the name of the game for a vast majority of people and its a decent strategy. Cut your losses, make some money if you can and in general bunker down. The only problem here is that the more we stick our head in the sand hoping for the storm to pass, we miss vast opportunities that those with a discerning eye not only grab up but do so ravenously. Now we could argue that without the info strategies of Bloomberg, Soros and the like the little guy doesn’t have a chance. And hey, maybe it’s true- maybe we won’t be billionaires anytime soon. Maybe all the big money is spoken for and the crumbs are all that is left for you and I. However, it is my assertion that this is sheer foolishness. Its merely a matter of adjusting the looking glass. Perception is the key to advancement. We all know the old adage; the glass is either half empty or half full. It’s the spin you put on it. Are you going to seek the Golden Fleece or hide under the blanket? Will a dip in the market be a sell indicator to you, where you flee with your tail between your legs like a scared dog in a lightning storm? Or will you dash in and buy, buy, buy! Opportunities have to be chased they won’t just land in your lap. Are we to say we will broke or to say we will thrive? I’m sure most of you agree with me in that life is about more than surviving. I wasn’t put on this earth just to make it, and neither were you. Let me prove it to you with a simple fact. MORE MILLIONAIRES WERE MADE IN THE THE CURRENT RECESSION THAN LOST BY LEAPS AND BOUNDS. So working from that point of fact we can easily conclude that it is time to move forward and assert our dominance. It is time for action. We all know that you miss 90% of the swings you never take so my challenge to you my readers, and to myself, is simply this: How will I thrive? Not when, not if, but how. I refuse to work for a boss until my seventies. I refuse to not have the things I want, and so should you. A billion is a big number indeed, but why not strive for millions with a residual passive income? Are you ready to take the next step? Have you found your why? Are you looking for a push, a nudge or just a good idea to motivate you and get you to triple or even quadruple your income while lowering your taxes? Let’s talk. I know success is around the corner, and i simply have to want it enough. I have my why, and a pretty good business venture too. Want in? Lets talk- changeinadvance@gmail.com facebook.com/changeinadvance @changeinadvance Or just reply to this post. Remember we #thriveorsurvive.
- As part of his “To Do List,” President Barack Obama visited Val and Paul Keller on Friday. The White House described them as “responsible” homeowners who owe more on their mortgage than their Nevada home is currently worth. They owe $168,000 on their mortgage, but their Reno home is currently valued at $100,000. The president is doing so to, “help demonstrate a concrete and tangible example as to why this broader push [to refinance] is so important not only for millions of Americans but for our economy,” said Shaun Donovan, secretary of Housing and Urban Development, in a conference call with reporters before the event. During that call, Donovan used the words “responsible homeowners” more than a dozen times, in describing whom the administration’s proposed refinance programs should help. It is not the Kellers’ fault that home prices in Reno are down 52 percent from the peak, right? The Kellers bought their house 14 years ago, and they have not been late on a mortgage payment, according to Donovan. They were able to take advantage of the newly expanded government refinance program through Fannie Mae and Freddie Mac for severely underwater borrowers, and they are in fact putting some of their savings on the monthly mortgage toward paying down principal. But were they responsible? The Kellers bought their home before the height of the housing boom. The trouble I’m having understanding this whole scenario is that the median home price in Reno is actually 7 percent higher today than it was 14 years ago. If the Kellers had a “responsible” loan, that would be a 30-year fixed, in which case they should have paid at least some principal on the loan over the last 14 years. And didn’t these “responsible” borrowers, the Kellers, put some money down on the home? We went looking: According to Washoe County records, the Kellers purchased their home in June 1998 for $127,000. So why do they have, according to the White House, a $168,000 mortgage? White House officials now confirm to CNBC that the Kellers did a cash-out refinance in 2007, when their home had appreciated to $250,000. Again, it’s not illegal, but are these the “responsible” borrowers that the administration is looking to help? They took out a $178,000 loan, using the $51,000 to pay down debt on the family construction business, so Paul could retire. Had they not taken that money out, and continued paying on the original mortgage, they would not be underwater today. “This is a family, first and foremost, that has met their responsibility, remained on time with their mortgage and used their equity in their home in a way that so many Americans do, to send their kids to college, support a small business or save for retirement,” said Donovan, whom we contacted after learning of the refinance. “They deserve the chance to benefit from these record low interest rates because they have met their responsibilities.” Another administration official familiar with the Kellers’ case says the couple were responsible because despite the incredible runup in home prices, they did not take all the equity out of the house. “She did not use her home as an ATM in the sense that we saw during the crisis, because she didn’t cash out all of the equity leaving her no cushion. She had a 71 percent LTV (loan to value ratio), or 30 percent equity in her home. That is by almost any definition a very responsible position to be in,” he added. In the past, Obama has criticized borrowers, who at the peak of the housing bubble, pulled money out, referring to it as using their house as an ATM. LTV, Donovan and the other administration official claim, is not a minor issue. So it seems they are defining “responsible” as a borrower who maintains an equity cushion in the house, even when that house price has nearly doubled in just eight years. “This was truly 100 year flood, and so lots of people who had 20, 30, 40 percent equity in their homes now find themselves underwater,” says the White House official, who also commends the Kellers for not walking away from their mortgage.
- Where there is no vision, the people perish.- King…
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