Using the Time Values of Money to Make Financial Decisions

1. Welcome

2. The Time Value of Candy

3. The value of money - Concept and applications

4. Overview of time value and money terms

5. Columbus and the power of compounding

6. Example - Interest rate impact

7. Example - Compounding period

8. Car salesperson

9. Using business calculators and Excel functions

10. Practicing using business calculator and Excel

11. Computing a car payment

12. Computing a house payment

13. Computing a house payment with a balloon payment at the end

14. Computing the amount you can afford to borrow

15. Start saving early

16. Growth in savings

17. Saving for a target amount for a house

18. Saving for retirement

19. Time value of money dangers - A payday loan

20. Conclusion

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How to become a freelancer in 30 days

Learn how to become a freelancer in 30 days and start living the lifestyle you want without a 9 to 5 job. Even if you want to keep your 9 to 5 job, you can still become a freelancer to make some extra income so you can start building an investment portfolio early for retirement, while gaining new knowledge and skill that can get you a better job in the future. Freelancing work can be a very exciting career path because you get to be your own boss. Some freelance job allows you cut out the middle man so you can earn 100 percent of the profit. The higher the profit you get to keep means the more money will be in your pocket so you can invest more and make even more money toward your future goal. Click on the link below to start learning about how to become a freelancer. 

How to become a freelancer in 30 days part 1 

How to become a freelancer in 30 days part 2

NOTE: I recommend downloading the video to your computer before viewing it to allow watching the video smoothly.

Topic:

Day 1. How to Become a Freelancer in 30 Days

Day 2. How to Create an Online Profile

Day 3. Bidding for Freelance Work

Day 4. Practice Your Work

Day 5. Create a Calendar

Day 6. Setup Remaining Software

Day 7. Building Your Freelance Business Brand

Day 8. Create Your Website and PayPal Account

Day 9. Filling Out Your Website

Day 10. Invoices, Forms, and Contracts

Day 11. Create a Workspace

Day 12. Establishing and Building a Brand

Day 13. Expand and Build Out Your Portfolio

Day 14. Understand Legal Issues and Tax Requirements

Day 15. Create Capture Point on Your Website

Day 16. Generating Traffic to Your Website

Day 17. Build Profiles on More Sites

Day 18. Creating and Promoting Content

Day 19. Email Contacts in Your Industry

Day 20. Guest Posting and Skill Barter

Day 21. Create a Blog

Day 22. N/A 

Day 23. Use your Free Advertising on AdWordsBing

Day 24. Get Feedback from Early Clients

Day 25. Evaluate Your Income and Bid Accordingly

Day 26. Create a 60 Second Sales Pitch

Day 27. Target a Project for Your Down Time

Day 28. Investing Your Freelance Profits

Day 29. Evaluate Performance for the First 30 Days

Day 30. Set Goals for Month 2

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10 Rules For a Rich Life

1. A rich life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the thing you don't

2. Focus on the Big Wins-the five to ten things that get you disproportionate results, including automating your saving and investing, finding a job you love, and negotiating your salary. Get the Big Wins right and you can order as many lattes as you want.

3. Investing should be very boring-and profitable-over the long term. I get more excited eating tacos than checking my investment returns.

4. There's a limit to how much you can cut, but no limit to how much you can earn. I have readers who earn $50,00/year and ones who earn $750,000/year. They both buy the same loaves of bread. Controlling spending is important, but your earnings become super-linear.

5. Your friends and family will have lots of "tips" once you begin your financial journey. Listen politely, then stick to the program.

6. Build a collection of "spending frameworks" to use when deciding on buying something. Most people default to restrictive rules ("I need to cut back on eating out..."), but you can flip it and decide what you will always spend on. If you are thinking about buying a book just buy it. Don't waste even five second debating it. Applying even one new idea from a book is worth it.

7. Beware of the endless search for "advanced" tips. So many people seek out high-level answers to avoid the real, hard work of improving step by step. It's easier to dream about winning the Boston Marathon than to go out for a ten-minute jog every morning. Sometimes the most advanced thing you can do is the basics, consistently.

8. You're in control. This is not a Disney movie and nobody's coming to rescue you. Fortunately, you can take control of your finances and build your rich life.

9. Part of creating your rich life is the willingness to be unapologetically different. Once money is not a primary constraint, you will have the freedom to design your own rich life, which will almost certainly be different from the average person's. Embrace it. This is the fun part!

10 Live life outside the spreadsheet. Once you automate your money, you will see that the most important part of a rich life is outside the spreadsheet-it involves relationships, new experiences, and giving back.

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Michigan UIA - Unemployment Claim

This website allows you to file for unemployment benefits. If you are ever fired or laid off from a job and need an assistant to pay for rent, food, etc. This is the website you can go to, to start filing for benefits. For every six months of employment, you can get up to 24 weeks of unemployment benefits paid to you. You can also use this website to find a job or a career as well by clicking on the Find a Job button in the middle of the page. 

Click Here to start filing for unemployment. 

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