Posted on February 20, 2014
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1 . About PhimNe.Com
Internet growing demand entertainment increasingly strong . In Vietnam there are many websites open movies watch free form , as you well know sometimes free viewing our discomfort to the troublesome pop-up ads , upset , annoyed when watching movies .
It might say hundreds of dead links and movies do not lead to see the movie as you want . To meet the needs of the movies you see , the birth of PhimNe.Com help you watch high quality – fast load not wait anything ? . With a huge warehouse and movies constantly updated fastest , PhimNe.Com 100 % guarantee you will see is the movie that you like .
2 . Why did you come to PhimNe.Com ?
View 720p HD video , SD supports both 1080p and 360p and 480p movie most .
Watch fast speed , no need to wait even with high-resolution HD movies and large capacity .
Large film library and new movies updated continuously .
Enable low cost .
3 . You do something for PhimNe.Com ?
- Please send the link to friends through social networking sites : Facebook , Twitter and Yahoo movies or your favorite .
- No vulgar speech , lack of cultural commentary .
Again we commit to you that 100 % are watching movies on websites with high quality and fast loading speed film . Wish you fun movie .
Posted on January 27, 2014
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Hi, my name is Steve… and in this short presentation, which won’t be up for long, I’m going to share my personal story of how, at the age of 46, I completely changed my life and body and finally got the 6 pack I thought only those with gifted genetics could get.
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My 401(k) loan got approved so next week we’ll have enough money in the bank to pay cash for a house. A “paid for” rental will be a nice little income stream and hopefully will help boost my poor credit rating. The plan is to pay cash for 1 house and then in July (if I still have my job) put 10% down on a second rental. Houses are so cheap in Reno and Sparks right now that you can actually cash flow with only 10% down if you’re patient to find a good deal. All income (and other spare cash) from the 2 rentals will go into paying off the second 1; the hope is to pay it off in 2 years along with the 401(k) loan so I can quit my job without getting hit with taxes and penalties on an early distribution.
My wife and I are buying a rental house. Instead of a mortgage, we’re borrowing the money from my 401(k) plan at work. Normally borrowing against a retirement plan is a bad idea, but in our case it makes sense. We don’t have enough money to pay cash for the house so we have to borrow it somewhere. A conventional mortgage would cost us about 5.75% (the house isn’t our primary residence and my credit is still less than wonderful) plus various fees. Borrowing from my 401(k) will cost $187 in admin fees over the life of the loan (5 years) and 5.25%. However, the interest goes back into my account so essentially I’m paying myself interest. Of course we’ll be losing the potential gain from the amount that is no longer in the 401(k) but this should be more than offset by the rent we’ll be collecting on the house. We plan on paying around $70,000 so if we net $500/month our return will be 8% – not as good as what the stock market “could” do but probably a lot safer and certainly a lot better than what CD’s are paying.
Are you frustrated with your personal finances ? How about the financial information that you have been given over the past several years; how has that worked out for you? Sadly, most people are in debt, many are facing foreclosure and bankruptcy, many have lost value in their homes, and most have lost much of their retirement and nest egg.
Did you know that there is a proven financial strategy that has stood the test of time – even during the great depression? I am referring to the Infinite Banking Concept. If you haven’t heard of this strategy it is most likely because those that typically give financial advice do so for maximum profit and the financial educators that help individuals and business owners benefit from the Infinite Banking Concept do not earn as much money as traditional financial advisors.
It is a simple concept and it involves using dividend paying permanent life insurance policies to build and then borrow from the accrued cash value . This process is better known as “becoming your own banker.” I know what you are thinking; you’ve been taught the term life is better because it is less costly . What you haven’t been told is that less than 1% of people with term life policies ever use them. So this is good news in one sense because people are living longer, but the problem is that all of that money paid out in insurance premiums over the years is wasted.
There is also a problem with most whole life insurance policies; they focus on the death benefit. Who wants to wait until they die to benefit from that? So why do most insurance agents focus on the death benefit? Because by crafting the insurance policy in favor or a death benefit versus cash value they make higher commissions . There is a financial revolution sweeping across the nation where individuals, families and business owners are using the Infinite Banking Concept to become their own banker. Don’t be the last to get on board !
I remember when my wife and I bought our first new car. We were so excited. Previously our vehicles had been basically junk – a rusted out Chevy pickup, a worn out Plymouth Valiant, and a mid 80′s station wagon that ran poorly and ate starter motors for breakfast. My wife is Chinese and she doesn’t like the idea of paying interest, so we saved up until we had enough money to pay cash for our new car. We made a token effort at looking over newer used cars, but ultimately decided on a brand new 2002 Subaru Outback station wagon. Out the door price was around $26K, or $28K with taxes and licensing. We’ve had it for 9 years, and according to Kelly’s Blue Book the most I could sell it for today is around $8,000. In other words just owning this car has cost us over $2,200 per year, and that doesn’t include higher registration fees, full coverage insurance (about $800 per year), and 2 expensive repairs we’ve had to make. When all the costs are figured in, just owning the car has cost us almost $3,700 per year for 9 years.
By contrast, a year after getting the Subaru we bought a used Toyota Corolla for my wife to drive. We paid $2,500 for the car and had to get a valve job and timing belt for $1,500. Because the car was 10 years old, registration fees for the Corolla were much less than the Subaru. Also it’s a beater so we only carry liability insurance. We’ve had the car for 8 years at an average cost of less than $700 per year. In other words, our Subaru cost us around $3,000 more per year than the Corolla.
New cars simply aren’t a good deal. They depreciate quickly – 20 to 40% just the first year. After that the depreciation slows down somewhat but buying a new car is still a losing proposition. The 2 things a new car has going for it are reliability and the factory warranty. This is not as big a factor as it has been in the past though. Most new cars come with a 5 to 6 year/50K to 100K mile warranty. Since the warranty applies to the car, not the owner, your best bet is to find a low mileage used car that has 2 or 3 years left on the factory warranty. A good chunk of the depreciation on the car will already have occured, and if you maintain it well, chances are you’ll be able to drive it for many trouble-free years.
Are you getting a tax refund this year? If so, are you happy about it? Almost every one I know who is getting a tax refund this year is absolutely thrilled about the money they’re “getting” from the government, while those I know who have to pay aren’t too thrilled about it. Actually the reactions should be reversed, and here’s why: the amount of your refund or payment due has nothing to do with your tax liability. It only has to do with how much you over or under paid during the previous year. In other words, if you owe money it’s because you underpaid your taxes during the previous year. If you’re getting a nice big refund it means you under paid – in other words, you let the government use your money interest free for an entire year. Wouldn’t it have been better to have that money sitting in some type of interest bearing account? Think about it for a minute. Now, are you still so happy about getting that tax refund?
Many people think that money problems are the leading cause of divorce. If you Google the term “money problems cause of divorce” you will see many sites claiming just that. In fact, that’s what I did when starting to write this post. Most of the arguments in my marriage are over money issues. While looking for information to back up my thoughts on the issue, I found an interesting article that claims money issues aren’t a leading cause of divorce. It makes for an interesting read, and I agree with it – partially.
According to the article, money issues account for 5% or less of divorces. Other issues – incompatibility, lack of emotional support, abuse, and sexual issues all rank higher than money problems as causes of marital problems and divorce. Except for sexual issues though, it’s been my experience that disagreement on money issues can be a big contributing factor in the other 3 issues mentioned.
People view money differently. Some think of it as security, some think of it as freedom, some people just like money for it’s own sake. I tend to think of money as freedom. Having money gives me the freedom to buy things, go places, and generally do what I want to do. If someone (for example my wife) prevens me from using money like this, I feel like they’re trying to control me. My wife, on the other hand, looks at money as security. It’s something to be saved in case you need it in the future. From her point of view, not saving money is akin to not having emotional support.
In our case, we had to reach a compromise. I can’t spend as much as I want and she doesn’t get to save as much as she wants. The magic number seems to be $10,000. As long as we have this much in reserve savings, my wife is happy and feels “safe.” She lets me spend pretty much what I want (within reason). When our reserve drops to less than $10,000 we start having problems. Every little purchase I make is second guessed, she finds other things to pick at or fight about, etc. As long as we keep $10,000 in reserve though our marriage is very smooth.
Ten dollars doesn’t seem like very much. If you’re like a lot of people, if you found ten dollars on the street it likely would be spent by the end of the day. If you lost ten dollars, it probably wouldn’t seem like a huge loss. If you spent ten dollars on something you didn’t really want or need, you probably wouldn’t feel it was overly extravagant. The problem, though, isn’t that ten dollars isn’t very much money. The problem is that ten dollars doesn’t seem like very much money. Actually, ten dollars can break you or make you, because over time ten dollars a day can add up to a lot of money.
Let’s say you’re like a lot of people, living paycheck to paycheck. You’re not racking up any bills, but you’re spending everything you earn – nothing is going into savings. Then, something or a combination of things happen and your living expenses go up by ten dollars a day. What happens? Unless you can increase your income to match or get the money from family or friends, you’ll probably have to put the extra spending on a credit card. Let’s assume the interest rate on the card is 17%. In just one month, that will bring your unpaid balance to $300, which will start adding around $4.50 in interest each month to your balance. If this continues for just 10 months, you could have an accumulated unpaid balance of about $3240, wich will generate about $45 in extra debt every month until you get it paid off. I know this can happen because I let it happen to me a long time ago. Spending ten dollars a day more than you make, over time, can easily break you.
Let’s look at it from the opposite side though. Let’s say you’re spending what you earn each month and you have $3240 in credit card debt. If you could figure out a way to cut your spending by ten dollars a day and apply that ten dollars to your credit card, you could have the debt paid off in about 11-1/2 months (it takes longer to pay it off than it did to accumulate it because the unpaid balance keeps racking up interest charges). So, while over spending ten dollars a day can get you into substantial debt very quickly, under spending by ten dollars a day can get you out of that debt almost as quickly.
If you have no debt, ten dollars a day goes back to not sounding like very much. Even saving for a month and having $300 to show for it may not sound like much. But think about it. If you did it every month for 10 months, you’d have over $3000 saved. Even if you only did it for one month, the $300 could be leveraged. For example, if you wanted to take a shot at making money by blogging, $300 would easily pay for a domain name and hosting for a year with enough left over to have a custom logo done for your web site. There are other part time businesses you could get into as well for $300 in startup costs.
The other thing about small amounts of money (snowflakes) is that over time they can snowBALL. It’s really easy to come up with a few ways to make ten dollars, but dificult to do it consistantly every day. Over time though it gets easier, and you eventually could find yourself making an extra ten dollars each and every day. What then, quit? I’d suggest start working on ways to make a second extra ten dollars a day. How far can you go with this? That’s up to you. The sooner you start though, the faster you’ll get there.keep looking »