The second round should have been 10- 8 for the fake nut shot gets a break after getting smashed and rocked a few times goes and bounces on his ass puts on a show like that to recover from the shots he took and from being tired he should be DQ no break he dont get out that round
2h2 hours ago
Tua himself said he’s not going to be the same player. The draft is deep, I said superstars. Burrow and Young maybe generational players
1 hour ago
Celebrated my 3rd anniversary with the most amazing partner, best friend, and boyfriend this weekend.
Our budget for both of us was $400. When you set a budget make sure it is used for what you value. I LOVE fancy hotels, so you’ll notice this was half our budget 🤘🏽.
Going to any hotel (even those $50 side of the road motels) has always felt special. Growing up, whenever we stayed at a hotel it was a treat and so hotels make me feel happy— like a magical nostalgic experience :) (x10 when it’s boujee)
So, most of our budget went into an amazing suite. Not only was this something I value, BUT we also spent this retreat reflecting on 2019 goals and progress which meant we spent more time in the hotel room (working/reviewing goals) than usual.
We brought our own alcohol and opted out of it at dinner.
We stayed pretty local (no flights!), went to eat at places within walking distance, and utilized the free hotel perks like these spiked ciders at “wine hour”.
We walked around a local general store as well (freeee experience).
We also opted out of gifts.
𝘐𝘧 𝘺𝘰𝘶 𝘣𝘶𝘥𝘨𝘦𝘵𝘦𝘥 $𝟺𝟶𝟶 𝘧𝘰𝘳 𝘢 𝘸𝘦𝘦𝘬𝘦𝘯𝘥 𝘢𝘸𝘢𝘺— 𝘸𝘩𝘦𝘳𝘦 𝘸𝘰𝘶𝘭𝘥 𝘮𝘢𝘫𝘰𝘳𝘪𝘵𝘺 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘨𝘰? (Based on what brings you joy)
13 hours ago
I am gluten intolerant and needed to fix my gut issues by going sugar free. My husband is right on board with me so I had to change how I buy groceries. I'll admit it is so much cheaper to buy junk food and over processed food but at the time I was going hard with couponing. I don't do it as much anymore.
Recently, we have learned that there are certain brands that give out coupons but you usually have to go on their website to get them. So I just had to readjust how I buy our food if there isn't a coupon.
We shop in bulk for flour and sugar free sugar and meats. The best part is that Bjs shopping trips can be redeemed in the #Ibotta app and #fetch. I use both of these apps to get cash back rewards. If you would like to do the same see the link in my profile. ☝️ If I'm in a true need for pasta or chips then my favorite place to shop is Aldis. I can spend $40 & get a cart full of items. 🛒
Most importantly is making your own food and not buying the processed food. Start with a meal plan 📝 and freeze what you can! You can make your own pancakes, waffles, pie crust, pizza crust, bread, tortillas, muffins etc with basically 3 ingredients. It ends up tasting better and it's cheaper too!
Are you also on a path to healthier eating and being budget conscious?
12 hours ago
You can put your eggs in one basket if you can control the basket.
If you run a business that you understand, and if you can control everything in the business, you’re more likely to succeed.
Don’t try to invest in only one thing that you can’t control. If you put all your money in one company and you don’t control what happens with that company you can lose everything if the company goes bankrupt.
If you put your money into a business that you understand, and you control everything in the business, you can work more, improve your skills, change strategy, market more, hire and fire people. You can change your business and you can increase profitability.
Your business depends of you, you can’t blame other people or the market for what happens in your business because your business is controlled by you and not other people. You have to accept responsibility because for things to change in your life, you have to change. Success is not something you pursue, success is something you attract by the person you become. By improving your skills you can increase your net profits and you can earn more and do more. That’s why we help you to work in your mind more than anything else. You need to think in the right way if you want to be an entrepreneur and all successful people have a very similar way of thinking. The problem is that also unsuccessful people have the same way of thinking and they like company, so one of the things that you should do if you want to be successful is to get around the right people.
At Fairmont Rainmakers we study billionaires and we make money by focusing on the upside and protecting the downside. You have to take risks to become successful but you also have to protect the downside and that’s what we teach. We train people to earn US$100,000+ per year.
Click the Link on bio to get the full scoop... And Don’t Forget to Subscribe to our Podcast: Fairmont Rainmakers
I know I’ve been quiet on here the last few months and it’s mainly because work has been kicking my butt. But it’s all been worth it because I got a job promotion! It comes with a 16% salary increase which will be very helpful for me as I attack my goals toward becoming debt free!
3 days ago
This year, we are adding baking to our Christmas traditions.
Here’s a secret. I have always wanted to learn how to bake. I just never got around to it. Deep down I felt like I didn’t possess the skills to bake with my son, or incorporate baking into our lives.
This year, I bought premade sugar cookie dough, used sprinkles I already had at home, and we used cookie cutters that have been sitting in my drawer for the last 4 years. Total cost $4.99.
It cost $4.99, to start a new family tradition this year – making and decorating sugar cookies with my son.
When James woke up and I told him what we were going to do, his excitement and happiness made my fear and self-doubt of baking disappear. Just like so many times before, it was in that moment that I realized it didn’t matter to my son if I couldn’t bake. All that mattered was that he got to spend the morning with mom eating sprinkles.
Next up, we are going to try chocolate chip cookies. After that, we will move on to pies, but decorating sugar cookies will forever be our holiday tradition.
And of course, smart budgeting is another tradition in our family. That's why I use the @fetchrewards app to save money on groceries.
Fetch shoppers earn rewards points on thousands of participating brands, including baking supplies! And the app keeps getting better -- just this week, they added a ton of new brands!
Whether you are buying ingredients for your next family tradition or groceries for holiday dinner, make sure to scan your receipts for everyday savings no matter where you shop.
Download the app now and use the code "TBMOM" when you sign up and you'll get 4,000 bonus points after scanning your first receipt. #fetchrewards#partner
3h3 hours ago
3rd pick in a 2 superstar draft. Why’d Tua have to get hurt...Grrrrrr!!
6h6 hours ago
Yea yea on the sauce and faking nut shots and eye pokes to get breaks if he dont get the nut shot break he dont get out of that round loser of a champion tards saying hes in for best ww ever fucking clowns defend without cheating breaks then see if he can get a win standing up
[giveaway] Why do I have a monthly budget? So I can no longer feel guilty when I shop. So I can provide a better life for my son. So my husband and I can eventually travel.
One budgeting tool that has helped us be successful in budgeting is the EveryDollar app. With this app we can see exactly where our money is going each month. Plus, we learned that we could actually afford to have our snowball debt payment be much more than we estimated!!
EveryDollar gives you a game plan for winning with money. It’s built around the 7 Baby Steps to take budgeters through paying off debt, saving and building wealth. Which is why I am so excited to share that I have teamed up with EveryDollar to giveaway a subscription to EveryDollar Plus!
How to enter:
1. Follow me (@mommahood_onabudget)
2. Like this post
3. Share your WHY behind budgeting
4. Bonus Entries: tag a friend (one per comment) and share this post in your stories (be sure to tag me!)
Giveaway runs Sunday December 15 (10 am CST) to Tuesday December 17 (10 pm CST). The winner, selected by random, will be announced by Friday December 20. This is NOT endorsed or affiliated with Instagram or Facebook.
November was another minimum payments only month, but that’s okay! I was able to host my family for Thanksgiving using all my savings and it allowed me to really relax and enjoy the holiday.
9 hours ago
NERD ALERT: Only read if you are a money nerd. Otherwise you might be bored to tears.
Refinancing is a great way to get a lower interest rate and help pay off debt faster. However, don't forget to calculate in the cost of refinancing - closing costs can be so high that sometimes you actually lose money even though your interest rate decreases.
For example, the two scenarios below show when it is smart to refinance, and when it's a waste of time and money.
Lets say you have 150k loan at 4% interest for 15 years and you want to refinance to get the interest rate down to 3%. Over the course of the loan you will pay $50,000 in interest at 4%, and only $36,000 in interest at 3%. So a savings of $14,000 in interest if you refinance. The average cost to refinance a house is $6,000 so overall you saved about $8,000! Totally worth it. 💰
But what if you your payoff timeline is sooner than 15 years? Let's say you wanted to pay your 15 year mortgage off in 5 years cause you're a go getter! At a rate of 4% you'd pay $16,000 in interest, and at 3% you'd pay $12,000 in interest over the 5 years. By financing you would save about $4,000 in interest but you paid $6,000 to refinance the loan.... so you lost $2,000 by refinancing to a lower interest rate.
It's kind of strange to think that refinancing to a lower rate would ever cause someone to lose money but just look at your situation and figure out what's best for you! In general, the farther you are from paying the house off the more likely it is that refinancing to a lower interest rate will save you money. 💸
Revisiting our money choices for 2019 and we have 0 regrets!! All in all, I'm proud of what we accomplished with what we had. Can't wait to see what all we can do in 2020!! ☃️
9h9 hours ago
It’s the Eli beating the Pats twice factor.
6 hours ago
As Young Jeezy would say, Scared Money Don't Make No Money!!!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Another $20k to VTSAX. You can hear everyone talk about a looming recession in the US. Maybe that is coming. Maybe it isn't. Don't let that go to your head. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Following @personalfinanceclub rule #2, invest early and often!⠀⠀⠀⠀⠀⠀⠀⠀⠀
When you have the money, invest it. I recently talked about my philosophy of living paycheck to paycheck on my first ever podcast. I live paycheck to paycheck because I invest all my excess cash. Some decide to go out and buy the latest and greatest tech gadgets or cars. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I could go buy a nice brand new car tomorrow if I wanted to, but I would rather invest! Why? Financial Independence. I don't want to be tied to a W2 income till I'm 65.
13 hours ago
Free coffee thanks to @rhodeislandcoffee and their loyalty card. Last bits of Christmas shopping done on my lovetoshop card. 💳
My card has been budgeted for throughout the year.
For next year, I am going to save cash for the Christmas budget so I am not tied into buying from certain stores.
Who's up for doing an envelope savings challenge for 2020? Comment below 💞
I will design us some specific cash envelopes available to subscribers on Friday. Yay!
We got our Christmas tree this weekend and finally had the time, energy, and health to all together decorate for Christmas. 🎄❤
After being so sick for the last two weeks, it's nice to finally be feeling a little more like myself. I was starting to feel like a failure parent because of my lack of preparation for being sick and not getting paid because I ran out of sick time and not having the money for any real Christmas things because we were stretched WAY too thin the last few weeks, but thinks are starting to point back up.
I am SO THANKFUL to this amazing DFC community. I truly feel like I've made real, lasting relationships with people I have had the fortune to meet on this platform. Thank you, thank you, thank you for every single bit of support and kindness. Simply amazing. ❤
The longer you watch, the worse it gets.
The longer you scroll, the worse it gets.... Personally, we won't hit our 2019 goals. Lots of life changes. In 12 months we closed on our first house, I changed jobs, bought two cash cars, and had our beautiful baby boy.
Well max our 401ks and put about 50k principal to the mortgage--we weren't planning to buy new cars this year, but figured its better to do it now since 🍼 was coming. that's where the other 50k went.
10 hours ago
Boom ✊🏾✊🏻💥 .
Moving forward into the new decade DEBT will no longer have control over our future! The borrowing and owing a lender stops right here! 🛑 .
What an INCREDIBLE year! 2019 has changed our lives and lives for generations to come! 😭 This year was the LAST year that we will ever owe a lender our hard earned dollar EVER AGAIN (aside from a possible mortgage OR maybe we’ll pay cash for a house one day). 😉 .
It can take you months, years, many sleepless nights, overtime, side hustles, grit, grace and grind to dig yourself out of the hole of debt, but once you decide DEBT is a thing of your past NOTHING can stop from becoming financially FREE!
When we got married in 2016, our DTI was 50% 😩😱 We still aren’t really sure how we got our house.
We thank God for how he has changed our hearts. Even now, we are striving to be 100% debt free by 30 (August 2022). The road hasn’t been easy but it’s definitely been worth it!
Second part of the series: Ray, what do you invest in?
The 401k. A.K.A the American Dream. If your employer offers one, it’s typically a no brainer to participate as usually there is free money on the table.
The great debate is how much to invest. At a minimum take the match. I’m a fan of the approach: Contribute into a 401k up to the match, max out a Roth IRA (his & her’s if applicable), then go back to the 401k to invest between 15-20% of your monthly take home pay. The more you invest now, the earlier you can retire. Simple.
The brokerage firm for my employer is Fidelity, and 100% of my elections go into an investment called: Fidelity® 500 Index Fund. I chose this investment due to the fact that it has the lowest expense ratio from the options provided and it basically parallels the S&P 500.
Let’s break down the numbers:
💥 YTD Return: 28.8%
💥 3 YR Return: 14.87%
💥 10 yr Return: 13.43%
💥 Expense Ratio: 0.15%
Remember, this is long term investing, not just for a couple of years. We are talking 20, 30, 40 years. Invest now and you won’t regret it. Side note - 401k's can be rolled over to either your Traditional or Roth IRA following your departure. Do your homework, learn the tax implications of rolling over and take control of your retirement. This post is NOT sponsored by anyone and it is NOT a recommendation of what you should invest in.
10h10 hours ago
Ok bellator bound for you bahahaha
11 hours ago
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9h9 hours ago
The longer the debt is outstanding the chances of getting paid is reduced, and you will start to lose the profit. Use the Late Payment of Commercial Debts (Interest) Act 1998
#cashflow #cashisking#Creditmanagement#creditcontrol#payments #latepaymentinterestpic.twitter.com/VVG76ikwXU
It always seems impossible until it’s done!🙌🏾👊🏾🙏🏾🙌🏾Way to go! ❤️Join me in celebrating Catherine & Reagan 🥳 #repost @catherine.e.davis
“$150,857.30 GONE in 3 and half years. Cash flowed PA school, then got serious and knocked out $105,419.83 in the past 11 months (when we finally hit two incomes 🙌) and we are NEVER going back. What kept us motivated: Traveling 🧳 Gaining financial freedom 🙌 Setting solid foundation for our future family 💕 . 3..2..1.. All Glory to God, WE’RE DEBT FREE!!
The Jays should spend now on pitching, while their young players are cheap.
5 hours ago
I've recently discovered a few apps that rebate me when I shop. ShopBack and Cash rewards. I use these apps when I shop online and before I know it I save enough to cover a few minor expenses a month. My highest rebate has been through Expedia $30 when I booked my holiday this year. Have you checked these out?
5h5 hours ago
@ColbyCovMMA if he didn't cheat to get a break with the fake nut show colby ends him that made a huge difference in the fight changed everything colby lost his focus and control its jokes how he played it out like it was square in the nuts and they got hit up into his stomachgoof
6 days ago
I share to feel really embarrassed about how early I go to bed... which is usually around 8:30 pm. I get up at 3 am on most days, so to be honest it’s really not that early. ⏰ I don’t feel bad or embarrassed anymore! We as humans don’t take care of our bodies and minds as much as we should! Get your rest and set your alarm early to get your hustle on! 💰
10h10 hours ago
1 hour ago
We got a free antenna up in New Hampshire, but never used it because we had live Hulu and other streaming services, including some not-so-legit sources ...Now, we've cancelled Hulu live, which was $45 about to be increased to $55 - we kept only regular Hulu which is about $11/mo 💰
We're big football fans, so Jon had the idea to break out this free antenna and put it on the windowsill, which gave us some spotty - but manageable - reception. During a commercial break, he held it up over on the wall and we got CRYSTAL CLEAR footage, my gosh it's beautiful 😍
So we hammered a nail and hung it up and jimmied a broom under it to prevent the cord from pulling it off the wall and presto, we have free - and legal - Sunday football 👏🏻👏🏻👏🏻
2h2 hours ago
Trump fan eh!
8 hours ago
NAVIENT is going down📉 Starting with this extra payment we made today 🤓
We are super excited to spend the next few months paying off my Navient loans, which includes our student loan with the highest interest rate 👏🏻
Ready to say bye 👋🏻 to Navient for good!
@savingallmycoins inspired me to share a little more about myself with y'all. First thing is first, here's my face! 😂 Now since there is 17 days left of the year here's 17 random facts about me....
1) working hubby and I got married alittle over 2 years ago and accidentally ended up getting married the same day as my grandparents.
2) both the working hubby and I work in manufacturing (I make products for veterinarians).
3) If I get super stressed out I buy lunch boxes or food containers 🤷
4) I count stairs every time I go up or down.
5) If food seems to have a "top side" I flip it and eat it "upside down" (think a cheese burger I flip it over)
6) I have a twin ♊
7) I have a 6 year old puppers.
8) I have blue/green eyes. Depends on the day.
9) My favorite bird is the Cardinal.
10) I grew up on a working farm.
11) I prefer to ride horses with no saddle, no leads, no nothing. Bareback 100%
12) I love mountains, so much so that I live out in them. 🏞️
13) I only have one real bucket list destination, Banff National Park in Alberta Canada.
14) My family is actually from Canada.
15) I'm a HUGE disnerd. I love Walt and Roy Disney, given the chance I would talk your ear off with facts. It's why I love Disney parks so much, them brothers inspire me.
16) I have 6 tattoos.
17) I have a collection of Mr. Potato Heads (horror movie and star wars characters). .
If you got through this, let me know a random fact about you!!!
Today I sat down and really thought about what I wanted to accomplish in 2020. Not just personally, but for my business as well.
I couldn't fit all of my goals on one board, but I was able to highlight some very important ones.
I still want to save $20,000 in 2020 for my dream house project. This will be for unplanned and unexpected costs during the building process.
We are just looking for the perfect land now, but I hope to start the actually building process in Spring.
I want to add consistent workouts back into my schedule. I don't care if it's running or crossfit, I want to show up and be active at least 3 days a week.
I want to build and expand the TBM team. Ryen and I have already started this process and what this will look like in 2020, and we will share more details about this in the future.
I want to take my son to Disneyland in February or March. That means I need to save and have that trip planned before then. It's a major goal I want to accomplish.
I want to make saving for my son's future more of a priority. I would love for his college saving account to have $10,000 saved by the end of 2020.
2020 will be the year I start and implement my plan for retiring early. I will walk you through every step of this plan, what retiring early looks like to me, and the steps I will be taking.
All of my goals, all of them, are incredibly important to my overall plan. My light at the end of the tunnel. I sometimes ask myself, "Will there ever be a time I stop working towards something? A time in my life where I feel so content and fulfilled I can finally stop fighting for something?" I don't know the answer for that. But I do know I will never stop having goals.
In my life I learned there is no room for self-doubt. I got this, and I know you can accomplish your goals in 2020 too!
What goals do you have for 2020?
I was going to be doing this myself but thought it would be more fun with a few people to share in on the excitement in 2020. I will be posting the instructions soon! #gratitudejarsavings
8 hours ago
Today, isn’t it time you added some gasoline to your earnings and finances?
Let’s EXPLODE your earnings and income for the 2nd time this month and make DECEMBER your highest earning, most profitable MONTH ever.
Hallo zusammen, heute gibt es zur Abwechslung mal wieder eine Unternehmensvorstellung 💡 hierbei geht es um ein Unternehmen, dass sich schon einige Zeit auf meiner Watchlist befindet und vor allem nach der diesjährigen Celgene-Übernahme bei mir sehr im Fokus steht 🔎
Heute geht es um Bristol-Myers Squibb (BMS), ein Pharmaunternehmen, das 1989 durch eine Fusion entstand und seinen Sitz in New York City hat 🇺🇲 derzeit beschäftigt es mehr als 23.000 Mitarbeiter 👥 2018 wurde weltweit ein Jahresumsatz von 22,6 Mrd USD erwirtschaftet 💰
Das Unternehmen ist auf die Entwicklung, Herstellung und Vermarktung von Wirkstoffen gegen Krebs, Herz-Kreislauf-Erkrankungen, Hepatitis, Immunschwächen und psychiatrische Störungen spezialisiert 💊🔬 Meiner Meinung nach war die Übernahme von Celgene, das in den Bereichen Hämatologie, Onkologie und inflammatorische Erkrankungen arbeitet, ein taktisch kluger Schritt 🔧
Der vielversprechendste Wirkstoff von BMS, "Nivolumab" (als Opdivo vermarktet) ist ein Checkpoint-Inhibitor, der gegen viele Tumoren eingesetzt werden kann (Bronchialkarzinom, Melanom, Nierenzellkarzinom etc.) 🧫 dabei handelt es sich um einen Antikörper, der an Rezeptoren auf T-Zellen des Immunsystems bindet und so physiologische Wechselwirkungen verhindert und das Immunsystem indirekt stimuliert. Ich glaube v.a. an den mittel- und langfristigen Erfolg des Medikaments 💰🔔
Erst neulich wurde auch die Dividende ordentlich erhöht (um 9,76%), was bestimmt auch die Dividendenjäger unter uns freut. So werden ab 2020 erstmals 0,45$ statt 0,41$ pro Anteilsschein ausgezahlt 📈😊
Kanntet ihr das Unternehmen? Was wollt ihr noch zu BMS wissen? ⬇️⬇️
Keine Anlageberatung oder Kaufempfehlung, keine Haftung für Fehler, unbezahlte Werbung ⚠️
5 hours ago
Mini grocery haul [ #traderjoes + #lafarmersmarket ] $45
Random farmers market fruit
Cheese for the veggie burgers I have in the freezer
Cauliflower gnocci (I put this in our air fryer and add the turkey bolognese at the end)
Sauerkraut and pickles - good for gut
GF tortilla chips and guacamole - good for soul ➖
I always buy organic and also soak all fruits and veggies in this super affordable soak from Trader Joe’s (not into pesticides 🤢). No need for expensive soaks - this one gets the job done. My cat even approves 💁🏻♀️
I just attended an incredible free training online!! A millionaire is giving away all his secrets and websites, you should see what he is able to do!! There is a free online class today, you can check it out here: https://cutt.ly/ue6N9Et