Quick Guide: Renting vs. Buying

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Spot

Are you thinking moving and not sure which route to take? To rent or own?

There are a few things to consider when trying to decide what works best for you and your family…

Are you financially ready?

If you’re buying, you’ll need a down payment to pay upfront that will fund the equity in the property that proves to lenders you’ve got skin in the homeowner game. The amount you’ll need varies, but the standard preferred amount is 20% and that often gets you the best rates.

When renting – in most cases – there’s no need for a hefty down payment. You may have to come up with a deposit, but it’s generally a lot less than the 20% usually required for buying.

Are you ready for monthly mortgage payments?

If you’re buying, this is the amount you’ll pay each month, which in most cases includes principal, interest (both of which are…

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Core core core (Ab Workouts)

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Evolution Gym Talk

The strength of any tree is in its trunk. Your strength comes from your core so make sure you build in some core strengthening to your daily routine.

Training with good form and taking strength from your core will work over time but some specifics will make a difference quicker.

Also take time for your back-” – between the two they are the things standing you up straight every day.

Some ideas from other sites below


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ART – not deliberate, not random, something in between – Jackson Pollock (Art Philosophy) – What do you see?

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convergencePerhaps his most famous work was a painting entitled Convergence, which was a collage of colors splattered on a canvas that created masterful shapes and lines that evoke emotions and attack the eye. The painting was created in 1952, and is oil on canvas; 93.5 inches by 155 inches (Karmel, 1999). With Pollock’s brushstrokes he was able to make handy use of colors, lines, textures, lights, and contrasting shapes. This painting is enormous and its size can only really be appreciated in person. In 1964, puzzle producing company, Springbok Editions, released Convergence (Inspired by Pollock’s painting) the jigsaw puzzle. It was a 340-piece puzzle that they promoted as “the world’s most difficult puzzle”. The impact of Pollock’s Convergence was evident in 1965 when hundreds of thousands of Americans purchased the jigsaw puzzle.

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Jackson Pollock’s style of painting, as exemplified by Convergence, is an important, innovative development in the history of painting. At the time of the painting, the United States took very seriously the threat of Communism and the cold war with Russia. Convergence was the embodiment of free speech and freedom of expression. Pollock threw mud in the face of convention and rebelled against the constraints of societies oppressions. It was everything that America stood for all rapped up in a messy, but deep package. On that same note, some of Pollock’s works were even sponsored by the Congress for Cultural Freedom (an anti-communist advocacy group founded in 1950), which was backed by the Central Intelligence Agency (CIA) (Karmel, 1999). The CIA appreciated Pollock’s style, because it steered clear of social realism and overt political gestures. Pollock’s abstract work was hard to decipher, but his rebellious nature and expressions of freedom were clearly evident.

What do you see?

ART – NOT DELIBERATE, NOT RANDOM, SOMETHING IN BETWEEN

The Golden Rule of Investing

Dividend Income Investors

What is the “Golden Rule of Investing”?

 “Think of all money you earn as a Potential source of Future Income”  

Don’t think in terms of how much money you have or have saved but rather how much money you can generate from what you have.

In other words, when you receive your pay check, of course you have to pay your bills. And some bills you will always have – electric, water, gas, phone, mortgage but those that you don’t is where you can get the money to finance your future.  A great example is your car. A lot of people buy a car – and of course they buy into the marketing that owning that luxury or high priced sports car is more fulfilling somehow. But what you need to consider how much future income did you give up for that little bit of prestige you got from…

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The Miniatures of Joshua Smith 

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Joshua Smith is a miniaturist and former stencil artist based in Norwood, South Australia. With a career spanning 17 years he has showcased his work in London, Paris, Berlin, New York, Japan and all over Australia in over 100 exhibitions. Formerly a self taught stencil artist Josh refocused his career to establishing Espionage Gallery, an Art Gallery based in Adelaide, South Australia showcasing both emerging and well established local, interstate and international artists. For 4 years he showcased over 600 artists from over 20 countries.

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In 2015 after the closure of Espionage Gallery Josh refocused back onto his own career this time as a self taught miniaturist. His miniature works primarily focus on the often overlooked aspects of the urban environment such as grime, rust, decay to discarded cigarettes and graffiti perfectly recreated in 1:20 scale miniatures.

miniature-urban-architecture-joshua-smith-7See more of his work here.

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Diary of a Pseudo – Broke Girl

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RED ROSY CHIC

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There are times in a girl’s life, when the shopaholic brat, inside of her, blinds her choices and rules her actions. As a fashion lover, I can’t deny it, that part of me, wants to get its way more times than I can recall, but I tend to be very rational about it. Nevertheless, I am still only human.

When I opened my latest bank statement it felt like a punch to my gut. It left me panting for air. I was walking on Rebecca Bloomwood’s fuchsia furry boots, and it didn’t feel good. My eyes scrolled down the stiff paper trying to take in every number. There was no mistake. I could account for every figure on the statement.

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Artsy Fartsy – Wall Street’s ‘Fearless Girl’ statue – What are your thoughts?

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Image result for Wall Street's 'Fearless Girl' statue

According  to CNN, “Fearless Girl” was installed Tuesday by State Street Global Advisors as part of the asset-manager’s campaign to increase the number of women on their clients’ corporate boards. 

A group of women who work together also came to the financial district to see the statue on International Women’s Day. “We really like the little girl standing up to the bull,” one said. 

A man who works nearby said, “I have two daughters and I thought it was pretty impressive that they have this up here.”

Image result for Wall Street's 'Fearless Girl' statue

“Fearless Girl” wasn’t the only one overwhelmed by attention. The woman who created her, artist Kristen Visbal, says she’s been inundated with calls and emails from fans. 

Visbal said that team behind the campaign,which includes the advertising agency McCann NY, approached her to design a statue of a young girl. “We were focusing on making a statement about the future of Wall Street,” she said. “We wanted this wonderful contrast,” she said, between the delicate child and the aggressive bull. 

“I think the fact that she’s a child makes the figure much more endearing.” 

Visbal was particularly moved by an image of young girl wearing a cape and posing beside the statue. 

“The whole project is about girl power,” she said. “I love that phrase, because it makes us a lot stronger if we are in unison.” 

Anne McNally, SSGA’s head of public relations for North America, told CNNMoney that the group has a permit that allows the statue to remain in place for one week, but that they are seeking an extension that would keep “Fearless Girl” in place for a month. 

“After that, it’s up to the city,” she said. “We would be very supportive of a permanent installation as a piece of art.”

What are your thoughts on the statue?

Money on my Mind – (Investing) Differences between an IRA, Roth IRA vs 401K – Pros & Cons and Tax Benefits

Be Like Water

This is a video describe what an IRA (Individual Retirement Account) is. We cover the basics of a Roth IRA a traditional IRA and a 401k plan. In this video we go over the pros and cons of a roth ira and a traditional ira and compare them to each other. We explain the tax benefits or tax savings that can be taken advantage of by investing in an IRA (Individual Retirement Account)

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Happy Small Business Saturday!!! – Support local business stores around your community

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Small Business Saturday is an American shopping holiday held on the Saturday after US Thanksgivingduring one of the busiest shopping periods of the year

First observed on November 27, 2010, it is a counterpart to Black Friday and Cyber Monday, which feature big box retail and e-commerce stores respectively. By contrast, Small Business Saturday encourages holiday shoppers to patronize brick and mortar businesses that are small and localSmall Business Saturday is a registered trademark of American Express corporation.

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In 2010 the holiday was conceived and promoted by American Express via a nationwide radio and television advertising campaign. That year Amex bought advertising inventory on Facebook, which it in turn gave to its small merchant account holders, and also gave rebates to new customers to promote the event.

American Express publicized the initiative using social media, advertising, and public relations. Many local politicians and small business groups in the United States issued proclamations concerning the campaign, which generated more than one million Facebook “like” registrations and nearly 30,000 tweets under the Twitter hashtags #smallbusinesssaturday and #smallbizsaturday

Artsy Fartsy – Freedom from want by Norman Rockwell

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Freedom from Want, also known as The Thanksgiving Picture or I’ll Be Home for Christmas, is the third of the Four Freedoms series of four oil paintings by American artist Norman Rockwell. The works were inspired by United States President Franklin D. Roosevelt‘s 1941 State of the Union Address, known as Four Freedoms.

The painting was created in November 1942 and published in the March 6, 1943 issue of The Saturday Evening Post. All of the people in the picture were friends and family of Rockwell in ArlingtonVermont, who were photographed individually and painted into the scene. The work depicts a group of people gathered around a dinner table for a holiday meal. Having been partially created on Thanksgiving Day to depict the celebration, it has become an iconic representation of the Thanksgiving holiday and family holiday gatherings in general.

Three generations circle the food—a nuclear family more rarely seen today, but still existing in some hearts and minds as an ideal. (If Rockwell were painting now in 2013, what might that modern American family look like racially or even in terms of sexual orientation?) From the lower right corner, in the finest Renaissance tradition of painting, a young man looks out at you directly—the classic challenge to the viewer posed by the painter and his painting. His smile asks you to join in with the wonder at the bounty set before them, but is that all it asks? After more than a decade of overseas wars draining of us blood and treasure and an economic downturn further depleting our reserves of good will and thankfulness, that young man’s smile reminds us that the Thanksgiving thanks are not necessarily for abundant protein and four kinds of vegetables. Instead, the thankfulness is for having each other and the enduring capacity of people to free one another from all kinds of want—physical, emotional, and even spiritual.

Credit: Wikipedia