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Alexis T.



"Making money is art and working is art and good business is the best art." ~ Andy Warhol





Stashing since

Nov 11, 2020

21 Published

2 Stashes

117 Stashed Ideas

People don't save even if they can

People want to save for many reasons: for unforeseen circumstances, retirement, holidays, or to avoid debt. Others think it is a good idea to save because they should.

While not everyone is in a position to save, of those who can save and knowing its benefits, few do it. According to Money Charity, about half of all Britons don't have money saved to fall back on. In the United States, the average saving rates were around 7.6 per cent in 2019.

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Sneakers: A Mark Of Culture

Sneakers are big business around the globe and have risen from normal fashionwear into cultural trademarks, with a market valuation of USD 79 billion in 2020.

Sneakers, called trainers in the United Kingdom, are smart and comfortable to wear, part of the reason they have found their place even on formal occasions and at the workplace. The pandemic made people prioritise comfort with sales of athleisure products (like sneakers and yoga pants) skyrocketing.

Non-fungible token (NFT)
  • In economics, a fungible asset is like money - it is something with units that can be interchanged. With money, a $10 can be exchanged for two $5, and it still has the same value.
  • If something is non-fungible, it has unique properties and cannot be interchanged with something else, such as a house, the Mona Lisa painting, etc.
  • NFTs are distinct assets in the digital world. They can be bought and sold like any other property, but they have no tangible form.
  • The digital tokens are like certificates of ownership for virtual or physical assets.
  • Avoid immediate disaster. Request bill extensions or payments plans from creditors.
  • Prioritize bills. See which bills must be paid first and set up a payment schedule based on your paydays.
  • Ignore the 10% savings rule. It doesn't make sense to have a savings plan if you are fending off debt collectors.
  • Review your spending.
  • Eliminate unnecessary expenses. Start with items you wouldn't miss or habits that should change anyway.
  • Negotiate credit card interest rates. Call the card company and ask for a reduction in the annual percentage rates (APR).
  • Keep a budget journal. Monitor your progress for a few months.
  • Seek ways to increase your earnings - working overtime, getting a second job, or doing freelance work.

Before applying for a personal loan, ask yourself first:

  1. What are you borrowing the money for?
  2. What is your current financial situation?
  3. Are you in any capacity of paying the loan back?

Make sure you are never borrowing money for a personal loan based on an emotional decision.

Only after you look at your needs, financial situation and repayment plan should you consider moving forward with securing a loan.

Side hustles are good for companies. The rich perspectives derived from diversity of experience only make your team stronger.

Side hustles are more than the clickbait suggestions such as "rent out a spare room on Airbnb" or "take online surveys." It is a way to make some extra cash that gives you a hedge against feeling stuck. It can be something you create or your true passion.

The Intense Crowding After Thanksgiving

In 1960's, the Philadelphia Police Department became so frustrated with the overflowing streets, traffic jams and regular fights caused by the crowds of people that visited the stores the day after Thanksgiving that, it’s believed, they coined the name ‘Black Friday’ in the hope of dissuading people from heading to the shops.

It completely failed, but the name stuck.

In 2007, Dunkin' ran ads that mocked the uppity coffee culture. Starbucks remained silent.

In 2008 Dunkin' declared its coffee superior to Starbucks. The campaign told coffee drinkers to avoid Starbucks with various catchphrases.

The Future of Millennials

The future of Millennials, the generation born between 1981 and 1996, is hard to predict, just like the Internet was not predicted or known in 1969.

There will be new methods for earning money, new places to live, and new ways to be old in the world. And there will be challenges too, like the ever-accelerating climate crisis.

Financial Tensions In A Relationship
  • Most couples have disagreements and difference of opinion with matters related to money, due to many factors.
  • We live in a society where attaining financial security is a huge challenge, whereas financial success is placed on a high pedestal.
  • Marriage has traditionally been based on various economic factors unrelated to love and companionship. Families, land, wealth and resources have always dominated the alliance.
  • We have a complex relationship with money and carry a lot of baggage in our heads, old belief patterns and behaviours, which spill into the relationship.

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