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Apple Is the First Company to Reach $1,000,000,000,000 value + How to Increase Your Personal Value

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It’s official, like a referee with a whistle! Apple just became the first American public company to cross $1 trillion in value. They achieved the big iTrillion on Thursday when their stock passed $207.04 a share. Its new all-time high is $208.38. Great news for Apple and its investors as it is now up more than 20% this year. Some think that Apple (AAPL) needs a new product to keep sales and profits increasing, it is the iPhone 8 and X sales in China and Japan and service revenue from the App Store that gave it its boost.

So how do you boost your personal value? The best way I know is to get a second job or start a business. If that doesn’t do it, then it may be time to trim down on your expenses. Life can be tough financially and the cheaper you can live the better off you will be in the long run. So instead of increasing the amount you bring in try decreasing the amount you pay out.

This will take some sacrifice and discipline but will be worth it. Once you trim the fat and then get used to living this way you will see that you really did not need all those things anyway. People are learning that bigger is not always better because the old saying still holds true, “the bigger they are, the harder they fall.” translation:, The more expenses you hold on to the easier it is to fall flat on your face, but it won’t be a soft fall.

So, where do you start? Well, start by writing down all of your current expenses on a sheet of paper or start an Excel worksheet in your computer. Now comes the hard part, start slashing. Be honest, do you really need all those cable channels when you barely watch anything but the local news? Just get rid of the extended channels and get down to basic cable. You can always get the other channels back when more money is available in your budget.

Mortgage payment too high? Refinance your loan if you can or take in a roommate if you have an extra room so you can earn more money and have some rent coming in.

Netflix and chill instead of going out to the movies. A family of four can go to the movies for right around $70. If you search new releases on Netflix, Hulu, or Amazon Prime and buy microwave popcorn and pop at the grocery store, you could probably save yourself a good $45-$55.

It is the same with going out to eat, learn to cook for yourself and your family. It is not hard to do, and your waistline will thank you for it. If you have to eat out, then make a pact that you will only eat out if you have a coupon to use.

Check your local paper for free entertainment in your area too.

Save money by shopping cheaper and by cheaper I mean by what you pay not the quality of the clothing and food. Shop online too, you usually can save quite a bit of money, especially if you can get free shipping.

Pay yourself first with every paycheck but do not go overboard. Make sure you have enough to get you through the week but keep things basic. Do you really need that Starbucks coffee every morning? Make your own at home.

There are some great suggestions here to help you save money so that it will seem like you earn more money and have more money to apply to bills and debt… What are some other ways you can increase your value?

Ash Exantus aka Ash Cash is a speaker, bestselling author, personal finance expert, and business consultant. Ash has established himself as a thought leader and trusted voice with Corporate America, Colleges, Churches, and Community based organizations. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money.

The Daily Digm (News)

Connecting Aretha Franklin Tribute to Madonna + How to Connect Your Credit to Your Future

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R&B singer Aretha Franklin, passed away on August 16, 2018 after a battle with pancreatic cancer. Yesterday during the MTV Video Music Awards, Madonna was attempting to give the Queen of Soul a tribute but instead gave us a story about her life and tried to connect it to Aretha.  Madonna opened the segment by saying Aretha had “changed the course” of her life and told a story of when she was an up and coming singer and dancer she sang Franklin’s “(You Make Me Feel Like) A Natural Woman” acapella during an audition that didn’t go too well.

Most of the tribute was Madonna talking about her early life and career. She talks about her rough upbringing in Detroit, where she said she was often mistaken for a “prostitute.” She did eventually get back on track to say that “Long live the queen.”

“So, you are probably all wondering why I am telling you this story. There is a connection,” she said.

“Because none of this would have happened, could have happened, without our lady of soul. She led me to where I am today,” she continued.

“And I know she influenced so many people in this house tonight, in this room tonight. And I want to thank you, Aretha, for empowering all of us. R-e-s-p-e-c-t. Long live the queen.”

Since then she has been getting a lot of flack about her self-centered tribute, but in trying to defend her self, she went on social media to say, “I was asked to present the video of the year by MTV! And then they asked me to share any anecdotes I had in my career connected to Aretha Franklin,” Madonna wrote on Instagram.

“I shared a part of my journey and thanked Aretha for inspiring me along the way. I did not intend to do a tribute to her! That would be impossible in 2 minutes with all the noise and tinsel of an award show. I could never do her justice in this context or environment.”

If you look deep into her story, it is easy to see the connection, but I can understand how people wanted an Aretha Franklin tribute to be more about Aretha Franklin. Madonna concluded her Instagram post by saying that most people “have short attention spans, and are so quick to judge.” Similar to your credit score, credit report, credit reporting agencies, and creditors, they are definitely quick to judge as well. One false move and they will turn on you for the worst. So how can connect your credit to your future so that you stay in the good graces of those who matter?

Because credit can be a curse when you don’t understand it, it is essential that you plan for your future set some boundaries for yourself for a better, more solid financial future. Preparing for your future can look like a lot of things and should involve many different aspects, like living within your means, coming up with a list of financial objectives that you want to accomplish, knowing  what you want to use credit for in the future, learning how to build and maintain your credit and how you will set guidelines for yourself to avoid making common credit and financial mistakes. Learning these things will allow the credit bureaus to put some R-E-S-P-E-C-T on your name and give you the right connection needed for your credit history.

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Your Credit Score May Be on the Rise + Why This May Be Good News for Your Insurance Premiums

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Effective immediately many Americans… Well, actually millions of Americans have begun to see their credit scores bump up after the credit reporting agencies began stripping out some non-loan collections accounts and other negative credit information from people’s credit reports. This is because of settlements made with state attorneys general dating back to 2015. The negative credit information removed is mainly medical-debt collections that have been paid by an insurance company, inaccurate information or accounts that failed to reflect repayment efforts. It is said that one collection account is worth 11 points once removed.

So how will this jump affect your Insurance premium? When dealing with insurance, there are a lot of factors that determine just how much your premiums are. Anything from your gender and age, to your driving record or criminal record. But there is your credit score is another factor that a lot of people might not know about. Your credit score can play a huge role in determining just how much you have to pay for insurance.

Insurance Rates based on your credit is not a very well known fact, but it has become one of the norms in recent years. Insurance companies will now look at your credit history, and if you have bad credit, you can expect to pay much higher premiums.

Many people will argue that your credit score has nothing to do with whether or not you will file a claim on your insurance policy but the insurance companies beg to differ. Regardless of how you feel, the policy is here to stay. That means you should be aware of your credit score when attempting to get insurance. If you have a bad credit score, you should make plans for paying higher premiums.

Keep in mind that insurance companies will look at various things, such as pending bills, loans, bankruptcy and more when determining your premium. But here’s the bright side to this. A lot of people who are sick of having to pay high premiums are taking better care of their finances in an attempt to raise their credit score so that they do not have to pay as much. So in some twisted way, it can be a bit beneficial since it gives more incentive to be more careful with your money.

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A Global Attack on ATM’s Seems Imminent + How to Protect Yourself From a Credit Card Fraud Attack

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BREAKING NEWS: According to a cybersecurity expert, The U.S. government has told banks that cybercriminals are preparing to carry out a global attack on ATMs. The FBI issued this warning of an “ATM cash-out” hack that would allow the criminals to withdraw large sums of money using stolen information. Something similar happened to a Virginia bank over eight months in 2016 and 2017 where hackers stole a reported $2.4 million.

Technology has become the gift, and the curse and when it comes to your debit card people are always trying to figure out how to defraud you. Credit card fraud has become a major problem in modern society as well. It continues to get worst, so it’s important we protect ourselves. The following are precautions you can take to prevent fraud:

Keep Your Actual Card In a Safe Place

In order to thwart credit card thieves, you should have your credit cards always with you in your possession or locked up in a safe place where no one has access. Some people like to keep credit cards in their car for emergency reasons, but that is a bad idea unless its put in an inconspicuous place or enclosed in something that doesn’t make it obvious. Keep in mind that not every card involved in credit card fraud is physically snatched. Some thieves will use only the credit card number and leave the card behind.

Stay Focused

Make sure you are alert with each credit transaction you make and get your card back immediately after it is finished. You do not want anyone to have access to your card without your knowledge where they take a picture of it or writing down the numbers.

Take Caution When Buying Online

Cyberspace has become a breeding ground for credit card fraud. You need to be cautious about the online companies and website that you supply your credit card number with. Make sure you only shop at trusted and reputable brands.

Don’t Fall for E-mail Scams

Do not enter your credit card information into websites that you are linked to through emails. The best thing to do is to avoid giving out your credit card number online at all costs. But if you have to make an online payment, there are several reputable services that will allow you to pay without supplying your credit card information to a third party.

Invest in a Shredder

Some thieves will sink to any level to get access to your credit card information. Many will go through your garbage cans searching for credit card receipts or bill stubs with the complete account numbers on them. These numbers are then used to purchase things over the internet or to create a new credit card using your number and credit information. Any document containing your credit card account number should never be left lying around, and although it seems a bit extreme, you should never throw away sensitive items unless they are completely destroyed.

Check Your Statements and Credit Reports

Lastly, you should check your credit report periodically and add a feature where they will alert you to any unusual activity happening with your credit cards,  like increased balances or new accounts. Also check your statement regularly to make sure you catch unauthorized payments early. If you do find that unauthorized charges have been made to one or more of your credit cards, there are choices to be made and steps to be taken.

First off, you should call your credit card company and let them know that your credit card or credit card number may have been stolen and you want the card canceled. Now, the person who has taken your card cannot make any further purchases. Calling immediately will lessen your chances of having to pay for the charges made to your card and limit the amount of harm that has already been inflicted to your credit.

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