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WHY I DON'T FOLLOW DAVE RAMSEY PART 1 | financial advice I disagree with Dave Ramsey about bsocially 12 vistas • 4 años hace

Hi Friends!

Today we are going over PART 1 of why I disagree with Dave Ramsey. We are talking about Dave Ramsey's financial advice that I don't follow and why I think that there are several aspects of Dave Ramsey's baby steps that are wrong and need push back on. PART 2 is coming soon that covers the scope of all of the other things I disagree with Dave Ramsey about.

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Social Media & Fave Money Saving Apps: https://ezbiolink.com/the-avocado-toa...
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References:

https://www.myfico.com/credit-....education/whats-in-y

https://www.daveramsey.com/blo....g/no-credit-score-no

https://www.experian.com/blogs..../ask-experian/how-mu

https://www.nerdwallet.com/art....icle/finance/landlor

https://www.cnbc.com/select/ca....n-employers-see-your

https://newsroom.transunion.com/transunion-reveals-almost-half-of-landlords-consider-renters-credit-health-as-a-key-factor-in-leasing-decision/#:~:text=According%20to%20a%20recent%20survey,to%20accept%20a%20tenant's%20lease

https://www.daveramsey.com/blo....g/3-bible-verses-leg

https://www.daveramsey.com/blo....g/managing-money-god

https://www.daveramsey.com/ask....dave/debt/co-signing

https://www.daveramsey.com/blo....g/how-to-close-credi

https://www.usinflationcalculator.com/

https://www.barrons.com/articl....es/if-you-still-own-

https://www.ngpf.org/blog/char....t-of-the-week/chart-

https://www.iontuition.com/inv....est-pay-down-student

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Business inquiries only: theavocadotoastbudget@gmail.com

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DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week!

Views expressed in this video are my opinion and should not be interpreted as professional financial advice. I am not a certified financial advisor.

Helping Millennials and Gen Zers survive capitalism by feeling confident with saving, paying off debt, investing and budgeting in a way that works for YOU.

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My Filming Gear:
Camera: https://amzn.to/3tPKpGC
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Table Top Ring Light: https://amzn.to/3rIclKm
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As seen in video:
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Moon Phase Mirrors: https://amzn.to/372UFBp

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Chapters:
0:00 Intro
1:08 Disclaimer
1:53 credit scores
6:18 gazelle intensity
9:45 emergency funds
12:42 investing
16:04 outro - bsocially

How To Collect Emails For Affiliate Marketing & Email Marketing | How To Create Email list For F bsocially 12 vistas • 4 años hace

Easy Ways to Collect Email Addresses

If you’re looking for tips about how to grow an email list, you’ve come to the right place. We asked a handful of business owners and marketing experts for their go-to tips and tools for collecting email addresses they can then use to generate new leads, and stay in touch with existing customers.

Here is an easy way to collect email addresses so you can build a valuable list.

1. Make sure there’s something in it for them (and never, ever, spam)
2. Offer useful resources
3. Use Facebook ads
4. Offer free tutorial videos
5. Promote your newsletter signup throughout your website
6. Get personal
7. Use popups to promote special offers
8. Host contests!
9. Make it really easy
10. Offer free resources that are relevant to your target customer

OUR RECOMMENDATION

Clickbank पर अकाउंट कैसे बनाएं (Must Read Policies and Terms & Conditions)
https://www.youtube.com/watch?v=yOiPdPIghfA

एफिलिएट मार्केटिंग कैसे शुरू करें (25 मिनट फ्री ट्रेनिंग)
https://www.youtube.com/watch?v=Z5V4e6FH6So

clickbank और disistore24 क्या है इनका कैसे इस्तेमाल करें - https://www.youtube.com/watch?v=Lmk7hB4pdAU

How To Create Free Landing Page - https://www.youtube.com/watch?v=6duLecfyMyg

एफिलिएट मार्केटिंग के लिए फ्री में कंटेंट कहाँ से लें और एफिलिएट सौरस पेज का कैसे इस्तेमाल करें -
part 1 - https://www.youtube.com/watch?v=AB_PTcqRrqs&t=12s
part 2 - https://www.youtube.com/watch?v=sfypqsJeCjw

फेसबुक पर एफिलिएट प्रोडक्ट्स प्रमोट करने का सही तरीका - https://www.youtube.com/watch?v=OZUT75I4lU0

FACEBOOK As Earning Source - https://www.youtube.com/watch?v=5-00gs63wlg&list=PLpf53cQ6d1CMN-1YBzIzMcCtsdP0ccemm

INSTAGRAM As Earning Source - https://www.youtube.com/watch?v=NMp47UeIOXc&list=PLpf53cQ6d1CMmulbJfFSNCim7MQg8L6Ak

YOUTUBE As Earning Source - https://www.youtube.com/watch?v=1Eko43s8Jis&list=PLpf53cQ6d1CNXTFSDCBesP8FuZkGoPpG0

WEBSITES As Earning Source - https://www.youtube.com/watch?v=QqCIaU_SzKM&list=PLpf53cQ6d1CMKNzL74Y4OKennrdl-BCEw

AFFILIATE MARKETING - https://www.youtube.com/watch?v=JLsXKgKzZY4&list=PLpf53cQ6d1CPwhzta_ELaNMcfxn7Pq59f

FREE TRAFFIC SOURCES - https://www.youtube.com/watch?v=AB_PTcqRrqs&list=PLpf53cQ6d1CNG_w5-92P8C8ULOnetZ57-

If You Are Really Like That Kind Of Content Then Hit The Subscribe Button And Press Bell Icon For Every Update.

आवशयक सुचना :
इस विडियो का उद्देश्य केवल ज्ञान और जानकारी देना है, और इस विडियो में बताई गयी किसी भी जानकारी का अगर आप कोई भी गलत इस्तेमाल करते हैं तो इसकी जिम्मेदारी आपकी अपनी होगी, हमारी किसी भी तरह से कोई जिम्मेदारी नही है|

किसी भी प्लेटफार्म का इस्तेमाल करने से पहले उसकी नियम एव शर्तें देख लें व् अपने द्वारा वेरीफाई जरुर करें क्यूंकि कोई भी सोर्स हमारे द्वारा सत्यापित नहीं किया गया है, इस चैनल का उद्देश्य है की वर्तमान में चल रहे सम्भावित ऑनलाइन अर्निंग के सोर्सेज आप तक पहुँचाना है पर हम किसी भी सोर्स की जिम्मेदारी नही लेते हैं क्यूंकि यह हमारे अधीन या हमारे नहीं है अत आप किसी भी सोर्स का इस्तेमाल अपनी जिम्मेदारी पर करें | इस चैनल पर पब्लिश सारा कंटेंट इन्टरनेट रिसर्च पर आधारित है
धन्यवाद

The information contained on this YouTube Channel and the resources available for download/viewing through this YouTube Channel are for educational and informational purposes only.

This video is intended for any persons looking to work online and needs to follow all legal requirements set out in their individual countries. This video is not intended or made to give you any false hopes. If you have any questions please ask in the comments!
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DISCLAIMER
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EARNINGS DISCLAIMER:
Any earnings or income representations are aspirational statements only and results are not typical. There is no guarantee that you’ll receive the same results or any results at all. Your results will depend entirely on your work ethic and your time put in. These videos are based on my own experience and research, please also do your own research and take everything as an opinion. I'm also not a financial advisor.

AFFILIATE DISCLOSURE:
This video and description may contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. I won't put anything here that I haven't verified and/or personally used myself.

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Free Download / Stream: http://bit.ly/_far-away
Music promoted by Audio Library https://youtu.be/wEnEmvV2dBM - bsocially

It’s Over: The Housing Bubble Just Popped bsocially 11 vistas • 3 años hace

⁣https://www.cointracker.io/?utm_sourc... - Enjoy! CoinTracker is the market leader in cryptocurrency portfolio tracking and tax compliance, applying the best technology and partnerships to deliver the highest level of accuracy, simplicity and year-round value. Users collectively track over 3 percent of the entire global cryptocurrency market cap (currently north of $50 billion) on CoinTracker. Founded in 2017, CoinTracker is backed by Accel, General Catalyst, Initialized Capital, Y Combinator, 776 Ventures, and other leading investors. CoinTracker is the exclusive cryptocurrency tax partner for many of the top exchanges and tax products, including Coinbase, OpenSea, Intuit’s TurboTax, Blockchain.com, Bittrex, and Phantom. Add me on Instagram: GPStephan

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THE 2022 HOUSING MARKET:

CNBC reports that “the number of new listings last week jumped 8%, right as the average borrower is paying 38% MORE than they would for the same home, a year ago.” In response to that, 12% of homes had a price drop…which is 9% HIGHER than a year ago, with these kinds of drops occurring faster each month.

In addition to that, The Federal Reserve is warning of a Housing Market Bubble - They show that - throughout 1999 through 2008 - the market experienced irrational exuberance, just like it’s showing NOW - from 2020 until…who knows how long. Housing is so popular, too, that 11 out of 25 countries are seeing the EXACT SAME EXCITEMENT for the real estate market - with CANADA leading them all, with the largest price gain, year over year.
https://www.dallasfed.org/research/ec...

Even though there is an imbalance between the “Price to rent ratio,” “price to income” IS HIGHER than normal…but, still not “exuberant.” They explain that recent patterns may prove to be a less-useful measure of home affordability, because low interest rates and stimulus allowed more money to be spent…so, this chart MIGHT be overly cautious when valuing something we haven’t quite seen before.

FIRST: They believe that MILLENNIALS AND GEN Z WILL KEEP THE MARKET STRONG.
They reported that most first-time buyers are younger than 40, which means the buyer pool is deep, and indicates that demand will likely remain elevated.

SECOND: SUPPLY CAN’T KEEP UP WITH DEMAND
They say that the “supply-demand imbalance is the primary reason home prices have escalated so rapidly”

THIRD: UNLIKE 2008, BUYERS ARE LESS LIKELY TO DEFAULT ON THEIR MORTGAGE.
Today, more than 76% of mortgages go to borrowers with a credit score EXCEEDING 760, lending standards have increased, and home equity is at a record high.

FOURTH: A DECLINING ECONOMY COULD IMACT HOUSING VALUES.
They mention that, rising interest rates could put a damper on consumer spending, which increases the likelihood of a recession.

AND FIFTH: MOST PREDICTIONS INDICATE THAT HOUSING PRICES WILL CONTINUE TO RISE - BUT SLOWER.
For instance, the Mortgage Bankers association predicts a 4.8% increase throughout 2022…CoreLogic expects a 6% increase…and Realtor.com predicts a 2.9% increase.

That’s why, I believe - the biggest deterrent for housing prices is going to be: “How quickly do interest rates go up, how much inventory is there on the market, and how many people want to buy a home?”

My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamste...

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/