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943: Overcoming Tragedy and Changing Clients’ Lives with Kimberly Tocco

January 27, 2023 by Brett Tams

Kimberly Tocco knows firsthand how hard it can be for struggling families to become homeowners. She overcame personal tragedy and financial hardship to buy a home when Realtors told her it would be impossible. Since then, she’s given back over $500,000 of her own commissions to help families realize the dream of homeownership. On today’s podcast, Kimberly shares how building a business based on giving turned her into one of Arizona’s top Realtors. She also offers tips for new agents and discusses her brand-new book, Overcome: Memoirs of a Suicide.
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Posted in: Small Business Tagged: 2, agents, book, building, business, Buy, buy a home, commissions, Deals, Discounts, discover, dream, estate, financial hardship, Financial Wize, FinancialWize, foreclosure, Giving, home, homeowners, homeownership, list, market, More, new, offers, Personal, podcast, Real Estate, real estate tools, Realtors, shares, tips, tools

Your Purpose In Life

January 27, 2023 by Brett Tams

  Show Summary Welcome back to the show and Merry Christmas!! I’m recording this two-part series that we’re going to share with you over the next two episodes on Christmas Eve! I…

Posted in: Small Business Tagged: All, Applications, ask, before, Benefits, bonuses, build, building, business, Buy, chase, Children, Christmas, clear, closing, coffee, country, couple, Deals, estate, expectations, expense, experience, experts, Financial Freedom, Financial Wize, FinancialWize, free stuff, freedom, get started, Getting Started, Getting Started in Real Estate Investing, gift, gifts, Giving, goal, goals, good, great, Grow, happy holidays, holiday, Holidays, home, house, How To, impact, industry, Interviews, Investing, investors, job, journey, Lead Generation, Learn, lessons, Life, Live, Local, Make, Make Money, making, Making Money, mindset, money, More, needs, new, new year, offer, Operations, opportunity, Other, paint, Planning, portfolio, pressure, products, questions, rate, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investor, Real Estate Investors, right, risk, safety, second, secrets, Sell, sellers, shopping, Social Media, students, the new year, time, tips, transformation, value, Video, will, work, working, wrong, youtube

How to Build an Emergency Fund in College

January 27, 2023 by Brett Tams

When I was in college, I had a bit of a spending problem. I loved to buy new clothes, go out to eat and go to concerts.  Even though I tried to budget, I always wound up overspending.  The one financial rule I did follow? I always had a small emergency fund, with at least

The post How to Build an Emergency Fund in College appeared first on MintLife Blog.

Posted in: Real Estate News, Student Finances Tagged: 2, 2022, after college, apartment, ask, author, Auto, balance, Bank, bank account, bank of america, basic, beach, before, Blog, Borrow, borrowing, brick, Budget, build, building, Buy, car, chase, chase checking, Checking Account, Christmas, city, Clothes, College, color, Credit, credit card, data, deposit, driving, Emergency, Emergency Fund, expenses, expensive, Family, Featured, Fees, Finance, finances, Financial Wize, FinancialWize, first apartment, flight, freelance, fund, funds, goal, good, groceries, holiday, home, How To, Income, interest, interest rate, iPhone, job, landlord, layout, Learn, Life, living expenses, loan, Loans, Local, Make, Make Money, Mint, mint.com, mobile, money, More, Move, Moving, moving out, needs, new, new apartment, office, Other, parents, pawn, Personal, personal finance, plan, Psychology, rate, save, Saving, Saving 101, savings, Savings Account, security, security deposit, Sell, selling, Side Hustles, Spending, Spring, stress, student, Student Finances, student loan, Student Loans, students, Style, tax, tax refund, time, title, Travel, Uber, white, will, windfalls, wrong

Goal Setting: How to Become A Better Saver

January 27, 2023 by Brett Tams

Saving more money is one of those big goals that a lot of people have, but get stuck. I know this because we use to be right there too. The year would fly by and we were nowhere near our goal. With a few months left, we’d scramble to figure out how to knock it out. It

The post Goal Setting: How to Become A Better Saver appeared first on MintLife Blog.

Posted in: Financial Planning, Real Estate News Tagged: 2, 2022, All, app, Apps, author, Auto, Bank, big, Big Picture, bills, Blog, bonus, Budget, building, Buy, buy a house, car, Car Insurance, Checking Account, city, College, color, company, Competition, couple, Credit, data, date night, Debt, Emergency, Emergency Fund, expenses, Family, finances, Financial Freedom, Financial Goals, Financial Planning, Financial Wize, FinancialWize, football, freedom, friendly, fun, fund, goal, goal setting, goals, good, house, How To, ideas, Income, inheritance, Insurance, kids, layout, Learn, Life, Live, Make, making, Mint, mint.com, mobile, money, More, more money, Motivation, net worth, questions, Review, right, risk, save, Saving, Saving 101, saving money, savings, Savings Account, savings goal, Savings Goals, second, simple, Spending, spouse, Start Saving, Style, summer, target, time, tips, title, white, will

Not saving? These 3 reasons to save money will give you the motivation to start

January 27, 2023 by Brett Tams

Saving money takes discipline. And a certain amount of sacrifice.

The post Not saving? These 3 reasons to save money will give you the motivation to start appeared first on Discover Bank – Banking Topics Blog.

Posted in: Real Estate News Tagged: 2, 401k, Bank, Banking, Blog, brokerage, build, building, business, company, cost, couple, decision, discover, earnings, education, Emergency, Emergency Fund, expenses, FDIC, Fees, Financial Education, Financial Freedom, Financial Goals, Financial Planning, Financial Wize, FinancialWize, freedom, fund, goal, goals, good, great, Healthcare Costs, impact, Income, Invest, job, Job Security, Life, Lifestyle, Live, living expenses, Make, money, More, Motivation, new, News, Online Savings Account, opportunity, parents, party, paycheck, plan, Planning, Promos, retirement, retirement savings, right, save, Save Money, Saving, saving money, savings, Savings Account, savings goal, Savings Strategies, Savings Tips, security, simple, Small Business, starting a business, time, tools, Travel, Ways to Save, wealth, will, women, work, young

Which matters more for building wealth: Your saving rate or your investment returns?

January 27, 2023 by Brett Tams

My name is Zach, and I write at Four Pillar Freedom, where I tend to tackle financial topics through data visualization. While J.D. is on vacation, I offered to explore one of his favorite topics: the effects of saving rate versus investment returns.

Albert Einstein supposedly once said that compound interest is the eighth wonder of the world.But does data actually support this claim?

In this post, I explore the nature of compound interest, how long it takes to become an important factor in wealth accumulation, and whether or not it actually matters much for people who hope to achieve financial independence in a relatively short time.

What matters more: your saving rate or your investment returns?

Accumulating Wealth in the Early Years

Suppose your goal is to achieve a net worth of $1 million. If you invest $10,000 every year and earn a 7% annual return on your investments — which is a reasonable assumption for long-term stock market returns — you’ll accumulate $1 million in about 30.7 years.

The chart below shows exactly how long it would take to reach every $100,000 net worth milestone, using the assumptions of a $10,000 annual investment earning a 7% annual return:

Notice how each $100,000 net worth milestone takes less time to reach than the last. In fact, it’s mind-boggling to see that it will take youlongerto go from $0 to $100,000 than it will to go from $600,000 to $1 million:

The first $100,000 takes the longest to save because you don’t receive much help from investment returns early on. The time it takes you to go from $0 to $100,000 is mostly dependent on the gap between your income and your spending.

Posted in: Building Wealth, Investing, Retirement, Taxes Tagged: 2, All, asset allocation, before, big, buffett, build, building, building wealth, business, calculator, Compound, Compound Interest, compounding, couple, data, Early retirement, earning, environment, expenses, Fees, Financial Goals, financial independence, Financial Wize, FinancialWize, fire, freedom, gap, goal, goals, good, growth, heat, hold, household, Income, interest, Invest, Investing, investment, investment returns, investments, investors, job, jobs, journey, Life, low, LOWER, Main, Make, market, money, More, munger, net worth, News, Other, pinterest, rate, Rates, Real Life, retirees, retirement, returns, rich, right, save, Saving, saving rate, savings, Savings Account, single, Spending, stock, stock market, tax, The Stock Market, time, vacation, versus, warren, wealth, will, young

Searcy County, Arkansas VA Home Loan Information

January 27, 2023 by Brett Tams

Table of Contents What is the VA Loan Limit? How to Apply for a VA Home Loan? What is the Median Home Price? What are the VA Appraisal Fees? Do I need Flood Insurance? How do I learn about Property Taxes? What is the Population? What are the major cities? About Searcy County Veteran Information […]

The post Searcy County, Arkansas VA Home Loan Information appeared first on VA Home Loan Centers.

Posted in: Auto Insurance, Refinance Tagged: 0 down, 2, 2021, active, All, Architecture, Arkansas, Bank, biking, Buffalo River, building, Cities, closing, condo, condos, construction, Credit, credits, data, down payment, drive in, Family, faq, farm, Fees, Finance, Financial Wize, FinancialWize, flood, Flood insurance, General, get started, government, great, growth, guide, Hispanic, historical, history, home, home loan, home loans, Home Price, home value, homes, house, household, household income, How To, Hurricane River, Income, income tax, inspection, inspections, Insurance, interest, interest rates, job, landlord, Learn, loan, Loans, Local, Make, median home price, median home value, median household income, miles, More, Multi-Family, Music, office, Other, outdoor, ozark national forest, packing, Popular, programs, property, property taxes, questions, race, rate, Rates, ready, Refinance, refinancing, rich, Searcy County, Showcases, single, single-family, summer, tax, tax credit, tax credits, taxes, time, under, VA, VA Home Loan Centers, VA loan, VA loans, value, veterans, visitor, white, will, work

10 Personal Finance Rules College Students Can’t Afford To Break

January 27, 2023 by Brett Tams

Personal finance 101 may not be on your course schedule, but that doesn’t mean you can’t school yourself on how to manage money. Learn these 10 personal finance rules that you can’t afford to break.Personal finance 101 may not be on your course schedule, but that doesn’t mean you can’t school yourself on how to manage money. Learn these 10 personal finance rules that you can’t afford to break.

The post 10 Personal Finance Rules College Students Can’t Afford To Break appeared first on Money Under 30.

Posted in: Commercial Real Estate Tagged: 2021, advice, after college, All, assessment, Auto, auto insurance, average savings, Bank, before, Budget, Budgeting, build, building, business, car, Career, Careers, clear, College, college graduate, college students, company, cooking, Credit, credit card, credit cards, credit score, data, Debt, decades, decision, deposit, Direct Deposit, discover, diversify, dream, Emergency, Emergency Fund, employer, employer-sponsored retirement plan, entry, expense, expenses, experience, experts, Family, Fees, Finance, financial tips, Financial Wize, FinancialWize, first job, fund, funds, get started, goals, good, good credit, grace period, graduation, great, groceries, habits, health, healthy, home, How To, impact, Income, industry, Insurance, interest, interest rate, interest rates, Investing, investment, investment portfolio, investments, IRA, job, jobs, Learn, learned, lenders, Life, Live, LLC, loan, Loans, low, LOWER, Make, Manage Money, manage my money, market, Marketing, marriage, married, money, Money Management, More, Mortgage, mortgage loan, Move, needs, new, offers, office, opportunity, organize, Other, paycheck, payments, Personal, personal finance, plan, portfolio, principal, protect, Purchase, questions, rate, Rates, ready, refinancing, retirement, retirement plan, Review, rewards, right, risk, routine, running, Salary, sales, save, Save Money, Saving, Saving for Retirement, savings, Savings Account, School, search, single, Spending, stage, Start Saving, stress, student, student loan, Student Loans, students, Style, time, tips, title, tools, under, unique, value, wealthfront, will, work, young, young people

45 Timeless Quotes From Zig Ziglar After A Life Full Of Gratitude And Positivity

January 27, 2023 by Brett Tams

Here are 45 of my favorite Zig Ziglar quotes. Ziglar, one of our top motivational speakers and a World War II veteran passed away yesterday at the age of 86. He left us with a legacy of timeless wisdom.

The post 45 Timeless Quotes From Zig Ziglar After A Life Full Of Gratitude And Positivity appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Posted in: Money, Money Tips Tagged: 2, action, All, at home, author, balance, before, Books, building, business, Buy, city, color, cost, data, dream, entertaining, entry, Family, Financial Wize, FinancialWize, foundation, goal, good, Gratitude, great, home, house, How To, Learn, legacy, lessons, Life, list, Live, Make, Make Money, marriage, mississippi, mobile, money, Money Matters, More, Motivation, natural, opportunity, Other, plan, Quotes, Relationships, shares, sleep, society, statistics, time, title, wants, war, will, work, youtube

A Day In The Life of my Supposedly Frugal Stomach

January 27, 2023 by Brett Tams

Kicking Ass with Money is much like healthy eating and joyful living. It’s a series of daily habits that get you ahead, rather than a one-time heroic effort that fixes all your problems so you can go back to whatever you were doing before. Because of this parallel, the subject of food is one of the […]

Posted in: Money Tips Tagged: 2, active, affordable, All, avocado toast, Bank, bank account, bar, before, big, Big Picture, Blog, Books, Budget, building, car, cents, Children, chocolate, Choices, Clean, coffee, construction, cost, data, Debt, design, diet, Early retirement, eco, efficient, energy, expensive, Family, financial independence, Financial Wize, FinancialWize, food, frugal, Frugality, General, good, great, grocery, grocery bill, Grow, habits, Happiness, health, healthy, heat, home, house, kitchen, Learn, Life, Lifestyle, low, Luxury, Main, Make, making, marriage, meal planning, mess, money, More, Moving, moving in, needs, new, office, opportunity, Other, Parenting, parents, Personal, pizza, plan, Planning, productivity, Purchase, quality, Raising a Family, ready, Recipes, restaurants, retirement, returns, rewards, right, routine, running, School, second, simple, single, space, Spending, story, Style, The MMM Blog, time, under, unique, value, versus, will, work, workers
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