TD Access Card is a debit card, only with more benefits. It allows you to make debit purchases anywhere in the world Visa is accepted. This means you get the financial control of debit with the convenience of a credit card.
imagine being free to pay the way you want in store around the world online anytime welcome to your life with the new TD access card while you can use your new card just like your old one to make debit purchases and access your bank accounts the visa and contactless symbols mean you can pay in more ways with your money with the security of chip technology and verified by Visa you can safely and confidently make debit payments directly from your TD bank accounts whenever and however you shop you can now even use your new card for online debit purchases by choosing Visa or Visa Debit as your form of payment and because it's linked to your bank account you're paying with your own money not credit your new TD access card can even be used for debit purchases made internationally wherever visa is accepted with payments automatically coming out of your bank account and now you can even flash your new TD access card to make small purchases without entering a pin just flash your card and away you go with a new TD access card that's accepted more places than ever before where you use it next is up to you for more information about your new TD access card visit your local TD Canada Trust branch or call one eight six six two two two three four five six
professorsavings.com ( a simple way to learn finance on youtube.
Low Income Budget — A guide
It can be hard living for a family to live on a limited amount of income. While life may throw some hardships to make life move ahead, there are ways to be able to pay the expenses and get the necessities required for living. Here are some tips to learn how to live on a low income budget, and still enjoy a comfortable life.
Life insurance is not only for the wealthy! On the contrary, a person with low-income need should also buy a policy just as a well-off person. There is no reason to postpone purchasing a policy even if one is on a low budget. The benefits of some low premium insurance policies offer a decent coverage and financial protection for the family. Term life insurance policy is a simple policy for tight budget persons.
Household budget is a good practice for a low income family because a budget helps to give a financial picture of how the family is doing even when your financial picture looks the darkest. The income and the expenses need to be balanced. If the expenses are more than the income, expenditure has to be cut.
The needs and wants of the family have to be distinguished. There are some obvious items are cell phones, housing, electricity, water, telephone, TV, groceries, education and other household expenditure. Entertainment should be a part of living, but decision should be made by enjoying at the minimal cost and by using discounts or free passes.
In case, after reducing all expenses still the budget runs above income some steps need to be raise income. Working from home or taking up a part time work can be helpful to a certain extent.
Cut back on the amount of energy you use in your home. Use energy efficient light bulbs, and always turn off lights after leaving a room.
Shop at second hand stores for any clothing that your family may need and buy only what is required.
Collect some money in a fun jar by putting in the small change… This money can be used to treat for dessert, dinner, a movie, or something that the family would like to have. While income may be low, you can still enjoy something fun and entertaining along with the life’s hardships.
Tips for low income budget
Distinguish between needs and wants.
Save a small amount regularly
Prepare and follow the budget Thanks for watching. Please help us grow.
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Hi! Blair with Professor Savings here, with tips on living with a low income budget. It can be hard living for a family to live on a limited income. But, there are ways to pay the expenses and have all the necessities required for living. Here are some tips to learn how to live on a low income budget: • Distinguish between needs and wants. • Save a small amount regularly. • Prepare and follow the budget. Read more tips on living with a low income budget in the article below. And, be sure to subscribe to our channel for more of the financial tips you need.
How to get started with real estate investing (Buy first rental property)
I have no money or have little money, I have no knowledge or little knowledge but I want to buy rental property
then follow this steps
1. Understand the process – you do that by
Read books or watch videos or attend seminars and grab coffee with people who owns Properties
2. Figure out what strategy fits your current situation
No money –
Once you understand the process and figure out the strategy the find the deals and take it the people you trust you the most who can lend you money and get mortgage
Like your 1. parents 2. Best friends or girl friend or boy friend
If you don’t have no way get that money then first focus on making money by saving and working extra or get into selling
If your working full awesome all you need 5% down in Canada
In USA less than 5% down for owner occupied
if your still lost don’t know what to do then reach out to me –
On social media
1. Real Estate Investing in Canada: Creating Wealth with the ACRE System (
2. Rental Property Investing by Brandon Turner (
Social Media Websites that can help you regarding Real Estate
(Real Estate Investing Network Canada)
Remember: Formula for Success RAN(do RESEARCH, take ACTIONS and NETWORK with right people)
I’m currently living and Investing in Windsor Ontario Canada
I have no idea where to start but I want to buy my first rental property I have some money for little money I have some knowledge or little knowledge that is this something your situation than this video is for you Namaskar ah de bercy's recall when I come good morning good evening everybody this is Aditya welcome to my channel if you haven't hit that subscribe button please do so right now for an awesome content regarding my real estate investing and realtor journey so without any further ado today I wanna help you if you haven't purchased any rental properties then this video is for you if you're wondering where to start from then this is the first step for you I'm gonna share particular things in this video watch till the end make a notes if needed follow that has this I promise you you will have a rental property within a couple of months it could be you can buy if you are like really aggressive you can buy it in one month if you are like a little bit slow and steady it still you can buy it in next three to four months but stick with me with the process and follow what I'm gonna suggest in this video so step number one you have to understand the full process that involved to buy a property you know how to write offers so what is mortgage what kind of things involved in it you have to understand those whole process obviously I'm not going to detail those steps because I already made a video you can check out here thus 10 steps involve in order to you know understand the process so that's the first step go check out that video second get on to books which are specific about rental property how to invest in rental properties there are a couple of books if you're Canadian and the best book I love about rim written by I don't remember the author name but I will pop in the picture here I will put a link in the description and also a couple of other books they're like really gives you a solid knowledge on what are the you know what is the process involved and what are the type of strategies that involve you you can understand a overall picture of about rental properties so check out that then also get on to social media platform that is specific to the rental properties that is specific to real estate investors which is bigger pockets that's really really a useful resource just get on to it go meet local investors on on that group you will see people who are investing in your location if you don't find any just you know pick up a phone and call a realtor in your local area or find a realtor who is a investor specialist and ask him for suggestions so if you go through the steps and also get on to bigger and bigger pockets podcast or a couple of other podcasts who are like talk about investor stories so when you go through this multiple stream of sources you will first understand the process so that's really important before you buy a property once you understand the process in that simultaneously second thing will happen which is you figure out a strategy that fits your criteria because this is really important where many people fall aback because you know they look at some people who are like they preach that hey buy six unit building ten unit building or some people preach that buy a property which neat enough work drin you a tit and refinance your money and some of people will taste that just buy a turnkey property which has good cash flow or some of them will tell you that buy student rent out oh my god what the heck there's many strategies but if you understand the process if you learn from other people who are doing this now you know what are the strategies are available out there now take a step back and look from your point of view because everyone is made differently me and you are different no matter what it may you might have some commonalities but we might be starting from a different point I'll give you some examples for example you have no money at all you're a young kid you are like 22 or 23 but you're really enthusiastic about it you already in the process of learning about the process now where do you start from so for you the best option is to go talk to your parents ask if they can joint venture which to you if they can give you some money like 20% down so then figure out and if you want to get out from if you don't want to do any job just take the investing as a main source then find the properties that cash flows so that might be your criteria or for example if you are working full time you already have a solid job which is your active income but you want to build some passive income for your family you know to have a solid return on your money then that's a different scenario you have to look for something maybe you don't have enough time to you know find the contractors or do the renovations then just go find a property which is already a turnkey in a good location in a good you know which can appreciate well but at least it will sustain by itself you know without any negative cash flow so that might be a criteria for you or you might be someone who just started working full-time you you have a little money maybe like you know ten thousand or five thousand or twenty thousand then you can go look for property that with a 5% down with a price range whatever makes sense to you maybe you can live in one bedroom and rent out the other bedrooms like I used to do before so who how do I know or how do someone who is talking about specific strategies know your situation so what I'm trying to tell you is it's really important figure out what situation you are in right now are you with money or without money or with credibility what I mean by credibility credit history are you do you qualify for mortgage or you don't qualify for a mortgage so figure out your situation and find a strategy that fits your criteria because this is where many Falls now if you have a specific criteria based on your scenario now go start looking for properties so the third step is go start looking for properties keep on making offers keep on making offers until you get it and find the people to you know work with because if you have done the step one and step two already now you're in inner circle with the different people to work with hooray just keep with it buy the first property this will help you if it doesn't then reach out to me on social media or let me know in the comments below if you have like you know if you couldn't figure out why that way the hack to start from just reach out to me I will help you too and there are many other people who can help you too so reach out to people find out the solutions for your problems and with that thank you so much for watching this video if it's helpful let me know in the comments below if it sucks still let me know in the comments below because comments can give me an idea what you how I can help you so that way I'm not wasting your time with that have a wonderful life
Courtesy of 4chan /biz/, these are the top methods on how to save money. If you want to cut expenses in an extreme way, check out this tutorial on how to drastically reduce the amount of money you spend.
Taken from frugal living threads on /biz/, I will show you the top 10 ways you can stop wasting money today. You need to save money for the future in order to have a baller funeral, and if you are serious about saving money this step-by-step “How to” guide will show you how to save money. 4chan /biz/ is the best place on the internet to learn ridiculous penny pinching methods and frugal living practices. Saving money is only one third of the money equation, and that is what is being covered in this video. You also need to generate income, but we’ll save that for the next one. If you are sick and tired of not saving enough money, follow each of these top 10 methods and you will be on your way to financial freedom! You can use these frugal tips to save money for a wedding, save money for college, or save money for retirement. Enact each of these steps into yourself, follow the money saving program and you will be wealthy in knowable and in cash! Tip #1 reveals the way to get the most out of investing in stocks. Tip #2 will show you how to save money on food! Nobody wants to waste money on free things like water and food. I will show you how to get your food for free to save money. Kids are expensive, so how do you save money while raising kids? Tip #3 will show you how to cut down on your children’s economic impact. Tip #4 will show you how to save money on your housing costs. Stop wasting your money on expensive mortgages just to impress dumb people. You can save money and have a comfortable life. Tip #5 is going to show business owners how to cut costs. What if I told you you can save 25% on your labor? Business owners can cut their expenses and save money with this one easy trick. I will also show you how to get free flowers! Tip #6 shows you how to use freebies while being romantic. Tip #7 teaches you to stop wasting money on vacations. You can save money on expensive vacations while still showing off on social media. For tip #8 I show you one simple money saving hack to save money on electricity. Stop wasting money on carpeting! Tip #9 shows you how to cut your carpet costs by 99%. You can even do it for free. Tip #10 is all about saving those precious electrons in your car battery. Don’t hemorrhage money while you are in your car. Instead, save money with this tip.
You're probably wondering how I got myself in this situation. Let's start from the beginning. Do you want to save money? Here's 4chan /biz/'s top "how to save money" tips. The number 1 tip I have to give you is: Make your money disappear. Take all the money from your bank account and put it in your stock brokerage. You can't spend money if you don't have money. Choose a really long and confusing password like this. Forget the answers to your security questions. Lock yourself out of the account and you can't possibly spend money. Alright, here's my #2 tip. You're five biggest expenses in life are gonna be the 5 C's. Cassa. College. Car. Kids. And food. Food is free. You don't need to spend a single cent on food, and I'm gonna show you how. Before you eat food, drink a whole bunch of water and you'll be less hungry. You never need to pay for water. Just take some water from a free water fountain. Fill up your jug, you're good. For eating, you can go to your local church and get free food. Just tell them that you make less than $12,000 a year and they will give you free food. Church will probably not give enough food to survive. So, you can go to fast food places and get free condiments to supplement your nutrition. Look, I'm at Starbucks right now and we got free mocha, free chocolate, free cinnamon, free vanilla, and we got free sugar right here. That's important calories right there. If you start feeling light-headed, have an ice cube. Or a ketchup packet. If you want to splurge, and go out to a restaurant or fast food place, you still don't have to pay for the meal. Here's what you do: you go on tinder, or you go on Plenty of Fish, or on /soc/. And you know, you make a date with some desperate girl. You go, you eat your food, you eat like a king, and then you make her pay for the date. If she gives you crap for not paying for the date just be like "oh my god, I'm sorry I didn't bring my card, can you pay for this one and I'll pay for the next one?" And that's how you get free food from any restaurant you want. Kids are one of the top 5 expenses of your life, and you can cut them out completely by not having kids at all. But, if you simply must, unavoidably have to have kids, here's what you do. Make them go door to door selling products like cheap popcorn that you buy from the store, or subscriptions to magazines, or anything. And with this method you can even profit from your kids, it can even be profitable to have kids. You can even have the pyramid scheme of families. Have your kids have kids, and have their kids have kids, and have all of them go door to door and get a percentage of the revenue from all of them. And just be at the top of the pyramid of your own family infinite money chain. These things come in handy all the time. If you're a business owner, I'm gonna show you how to save 25% on your labor costs. People say that women only make 75 cents to every dollar that a man makes. If that's true, you'd have to be absolutely insane to hire a man. Go with the cheap labor, hire a woman. Anniversary? Here's how to get free flowers when you're feeling romantic. Look, this guy doesn't look that important. Here's how to go on expensive vacations for a fraction of the cost. So first thing you're gonna do is take some 3D glasses and push out the lenses on them. Next you're gonna print off an image of the vacation of your choice. You can use color or black & white. I'm using black & white to save money. And you just tape these on the inside of the glasses just like this. And it's as simple as that. Now you can bring these glasses wherever you go and you can have a vacation wherever. Whether you're watching a stupid movie with your stupid friends, or waiting in line at the social security office. You can even post about your vacation on Instagram like this: take your glasses, flip them the other way, hold them up to the camera. I posted this picture on Facebook and I already got 7 likes! To cut down on your electricity bill, turn off your doorbell before you leave the house. Don't waste thousands of dollars carpeting your house. Take two squares of carpet. And you tape them to your feet like this. Look at that, and you're all ready to go. This is what being smart looks like. Save electricity by driving without your headlights on.
Yahoo Finance’s Rick Newman discusses Bernie Sanders and Alezandria Ocasio Cortez’s plan to discuss lower credit card interest rates.
Nobody should ever pay a 25% interest rate to a credit-card issuer.
With that said, the understandable urge to pass a law capping what banks can charge could hurt the very people it’s meant to help, and cause other problems that may ravage people’s finances even worse.
On Thursday, Democrats Bernie Sanders and Alexandria Ocasio-Cortez introduced new legislation that would cap credit-card interest rates at 15%, and require the U.S. Postal Service to offer basic banking services for those who can’t afford a traditional bank.
The bill addresses legitimate problems. Millions of Americans are “unbanked” or “underbanked,” with limited access to modern financial tools that help people get ahead. And high rates often charged to low-income borrowers can lock in an unbreakable cycle of debt and poverty.
Solutions aren’t as obvious as they seem, however. Banks would lose revenue if there were a federal cap on card interest rates, which is why they oppose such a move. Don’t cry for them.
Banks would be fine, but they’d make other adjustments that the New York City congresswoman and Vermont senator may not be anticipating. Banks set rates according to the riskiness of the borrower — and if 15% were the most they could charge for what are basically loans via credit card, they’d curtail borrowing limits. It could result in credit to fewer people.
Some consumers with weak credit might not even be able to get a card —even if they paid off the balance each month and never paid interest. Fees might also rise just for having a card. And people who do get cards might try to borrow more via plastic, if rates were lower and it cost them less (another wrong incentive).
So unintended consequences of a cap would include less access to credit for some and more credit-card debt, at a slightly less onerous rate, for others.
People run up costly credit-card balances for a couple reasons. Some people are just uninformed or undisciplined consumers. The best solution there is consumer education, along with new tools like financial-planning apps that can help people manage money, and send alerts when spending levels are too high.
Others rely on credit cards because they simply lack the cash to buy basics when they need them, which is a tougher problem.
As bad as credit-card debt is, it’s better than borrowing from a payday lender or illicit loan shark. The core solutions here are improved financial literacy, better skills and stronger earning power for the most vulnerable consumers. None of those are a quick fix.
That speaks to the second part of the Sander-AOC plan, which is postal banking. The postal service has outlets in most American communities, and it already cashes government-issued checks. So why not expand that to basic financial services? Other countries do, including France, the U.K., Germany, Japan and South Korea.
This could work, but only if done carefully. It’s possible for the postal service to offer savings and checking accounts, debit cards, ATMs for cash withdrawal and other basic services that entail little risk. There are legitimate questions about whether an agency backed by the federal government should compete for customers with private-sector banks. But it would be possible to tailor a menu of postal financial services so narrowly that there’d be little overlap.
The legislative proposal would go further, requiring the postal service to offer low-interest loans— and this is where the problem begins.
Anybody making a loan faces a risk of not getting their money back, which is why banks do extensive research to establish creditworthiness standards. That’s a core expertise of banking. Riskier borrowers pay higher interest rates, because it’s more likely they’ll default on a loan.
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