#financial advice for 20s

[mymoneyepisodes]

Avoid This Hidden But Very Costly Investment Mistake (Financial Advice For 20s)

0:00 Introduction 0:07 Financial instability. 0:23 Limited flexibility. 0:42 High debt burden: 0:56 Maintenance costs. 1:14 Missing investment opportunities. 1:38 Market volatility. 1:55 Summary and Conclusion

Buying a dream home in your 20s might not always be the best financial decision to make. Avoid This Costly Investment Trap (Financial Advice For 20s) due to these reasons: Financial instability. In your 20s, you might not have stable income or job security. Committing to a large mortgage for your dream home can be financially burdensome if your income isn't steady or expected to increase significantly in the near future. Limited flexibility. Your 20s are often a time of change. You might be exploring career opportunities, considering further education, or even contemplating moving to a different city or country. Owning a home can tie you down and limit your flexibility to embrace these changes. High debt burden: Taking on a substantial mortgage at a young age can result in significant debt. This might restrict your ability to invest in other opportunities, such as starting a business or furthering your education. Maintenance costs. Homeownership comes with various expenses beyond the mortgage. These may include property taxes, maintenance, repairs, and insurance. These costs can be unexpected and can strain your finances, especially if you're unprepared for them. Missing investment opportunities. Instead of sinking money into a property at an early age, you could consider investing in more liquid and diversified assets like stocks, bonds, or starting a business. These investments might yield higher returns in the long term compared to real estate, especially considering the opportunity cost of tying up a significant portion of your savings in a property. Market volatility. Real estate markets can fluctuate. Buying a dream home in your 20s might expose you to the risk of property value depreciation if the market changes unfavorably. This situation could leave you financially underwater. Ultimately, the decision to buy a home in your 20s should be based on careful consideration of your financial situation, long-term goals, and personal circumstances. It's essential to weigh the pros and cons before making such a significant financial commitment. #wealth #property #moneymistakes #investment

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[rowanthestrange]

(well, might have just sold the house! i don’t breathe til we actually are inside the one we want to move to, but…!)

[nerdyfangirlingbooks]

Every now and then I remember the times I would mention to my flatmate that I was thinking of buying myself something reasonably expensive (that I had been eyeing up for months and had budgeted for) and she'd tell me that I shouldn't spend that much money on something I didn't need and it would be stupid etc etc while she regularly impulse bought things that cost at least as much and she would use once (while complaining that she was under a lot of financial stress and couldn't afford <$3/week for 2 months for a rental washing machine when ours broke). She is... perhaps not my first call for financial advice

[theambitiouswoman]

How To Become A Brand New Person ✨✨

Self Reflect:

Journal daily.

Think about past decisions and how they impacted your life.

Meditate regularly.

Create a vision board to visualize your goals.

Review your strengths and weaknesses.

Identify your core values and beliefs.

Figure out your passions and interests.

Think about your childhood dreams and aspirations.

Evaluate your current state of happiness and fulfillment.

Set Clear Goals:

Define specific career goals, like "Get promoted within two years."

Set health goals, like "Lose 20 pounds in six months."

Create financial goals such as "Save $10,000 for a vacation."

Establish personal development goals, like "Read 24 books in a year."

Set relationship goals, such as "Improve communication with my partner."

Define education goals, like "Complete a master's degree in three years."

Set travel goals, like "Visit five new countries in the next two years."

Create hobbies and interests goals, such as "Learn to play a musical instrument."

Set community or volunteer goals, like "Volunteer 100 hours this year."

Establish mindfulness or self-care goals, such as "Practice meditation daily."

Self Care:

Exercise for at least 30 minutes a day.

Follow a balanced diet with plenty of fruits and vegetables.

Prioritize getting 7-9 hours of quality sleep each night.

Practice in relaxation techniques like deep breathing or yoga.

Take regular breaks at work to avoid burnout.

Schedule "me time" for activities you enjoy.

Limit exposure to stressors and toxic people.

Practice regular skincare and grooming routines.

Seek regular medical check-ups and screenings.

Stay hydrated by drinking enough water daily.

Personal Development:

Read a book every month from various genres.

Attend workshops or seminars on topics of interest.

Learn a new language or musical instrument.

Take online courses to acquire new skills.

Set aside time for daily reflection and self improvement.

Seek a mentor in your field for guidance.

Attend conferences and networking events.

Start a side project or hobby to expand your abilities.

Practice public speaking or communication skills.

Do creative activities like painting, writing, or photography.

Create a Support System:

Build a close knit group of friends who uplift and inspire you.

Join clubs or organizations aligned with your interests.

Connect with a mentor or life coach.

Attend family gatherings to maintain bonds.

Be open and honest in your communication with loved ones.

Seek advice from trusted colleagues or supervisors.

Attend support groups for specific challenges (e.g., addiction recovery).

Cultivate online connections through social media.

Find a therapist or counselor for emotional support.

Participate in community or volunteer activities to meet like minded people.

Change Habits:

Cut back on sugary or processed foods.

Reduce screen time and increase physical activity.

Practice gratitude by keeping a daily journal.

Manage stress through mindfulness meditation.

Limit procrastination by setting specific deadlines.

Reduce negative self-talk by practicing self-compassion.

Establish a regular exercise routine.

Create a budget and stick to it.

Develop a morning and evening routine for consistency.

Overcome Fear and Self Doubt:

Face a specific fear head-on (example: public speaking).

Challenge your negative thoughts with positive affirmations.

Seek therapy to address underlying fears or traumas.

Take small, calculated risks to build confidence.

Visualize success in challenging situations.

Surround yourself with supportive and encouraging people.

Journal about your fears and doubts to gain clarity.

Celebrate your accomplishments, no matter how small.

Focus on your strengths and accomplishments.

Embrace failure as a valuable learning experience.

Embrace Change:

Relocate to a new city or country.

Switch careers or industries to pursue your passion.

Take on leadership roles in your workplace.

Volunteer for projects outside your comfort zone.

Embrace new technologies and digital tools.

Travel to unfamiliar destinations.

Start a new hobby or creative endeavor.

Change your daily routine to add variety.

Adjust your mindset to see change as an opportunity.

Seek out diverse perspectives and viewpoints.

Practice Gratitude:

Write down three things you're grateful for each day.

Express gratitude to loved ones regularly.

Create a gratitude jar and add notes of appreciation.

Reflect on the positive aspects of challenging situations.

Show gratitude by volunteering or helping others in need.

Send thank-you notes or messages to people who've helped you.

Keep a gratitude journal and review it regularly.

Share your gratitude openly during family meals or gatherings.

Focus on the present moment and appreciate the little things.

Practice gratitude even in times of adversity.

Be Patient:

Set realistic expectations for your progress.

Accept that personal growth takes time.

Focus on the journey rather than the destination.

Learn from setbacks and view them as opportunities to improve.

Celebrate small milestones along the way.

Practice self-compassion during challenging times.

Stay committed to your goals, even when progress is slow.

Keep a journal to track your personal growth.

Recognize that patience is a valuable skill in personal transformation.

Celebrate Small Wins:

Treat yourself to your favorite meal or dessert.

Reward yourself with a spa day or self-care activity.

Share your achievements with friends and loved ones.

Create a vision board to visualize your successes.

Acknowledge and congratulate yourself in a journal.

Give yourself permission to take a break and relax.

Display reminders of your accomplishments in your workspace.

Take a day off to celebrate a major milestone.

Host a small gathering to mark your achievements.

Set aside time to reflect on how far you've come.

Maintain Balance:

Set clear boundaries in your personal and work life.

Prioritize self care activities in your daily routine.

Schedule regular breaks and downtime.

Learn to say "no" when necessary to avoid overcommitment.

Evaluate your work life balance regularly.

Seek support from friends and family to avoid burnout.

Be kind to yourself and accept imperfections.

Practice mindfulness to stay present and grounded.

Revisit your priorities and adjust them as needed.

Embrace self love and self acceptance as part of your daily life.

[cazort]

Piece of financial advice, because I've seen too many people make this mistake: never pay off medical debt on a credit card unless you are 100% sure you will be able to pay the credit card balance off in full as soon as you get the first bill. Why? It is ALWAYS better to have medical debt than credit card debt. There is a long list of reasons why.

State and federal laws severely restrict medical debt in ways that credit card debt is not restricted.

Credit card debt can charge much higher interest rates, and in general it IS much higher in rate. Medical debt sometimes charges no interest, at least for a certain period of time. When it does charge interest, the rate is lower, and in some states it is capped as low as 5%, always at 20% or lower. Credit card interest rates are almost never below 15% and are sometimes MUCH higher than 20%.

Medical debt is less damaging to your credit history than credit card debt. And it is easier to eliminate in bankruptcy.

Medical debt also does not affect your spending limits on a credit card. If you use a credit card for monthly expenses, adding medical debt to it can bring you closer to your credit limit which might make you unable to use the card for expenses (even ones you could afford to pay off immediately.) This negatively affects your credit rating through increasing your credit utilization, it can reduce your potential to earn rewards, and it can reduce your spending power in an emergency.

Also, the penalties and fees for deliquency on medical debt are much milder and those for credit card debt are more severe. Again, laws are more restrictive on medical debt. You will have far fewer fees or penalties going delinquent on medical debt.

Also it is often easier to get medical debt forgiven or negotiated down, than credit card debt,

If you ever end up with medical debt, keep it as medical debt and keep paying it as medical debt. Go delinquent on your medical debt before switching it to a credit card. Once you put it on a credit card, you can't go back.

By keeping your medical debt as medical debt, you save money, protect your credit history, and increase your chances of having the debt forgiven, negotiated down, or eliminated through bankruptcy.

NEVER CONVERT MEDICAL DEBT TO CREDIT CARD DEBT.

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

[anghraine]

what happens to charlotte lucas if mr. collins dies early (before he inherits longbourne)?

That is the worst possible scenario for her, basically.

Mr Collins's living with regard to Hunsford only lasts for the duration of his life, so she gets nothing from it. Unless her child (she's implied to be pregnant at the end of P&P) is a son and, iirc, falls within a set number of generations as laid out by the original entailment, she also gets nothing with regard to Longbourn (and if the child is a girl, she now has another dependent to worry about and provide for; I think Mr Bennet's daughters would receive preference over Charlotte's if Mr Collins never inherits and there's no son).

There would have been legal documents accompanying their betrothal that laid out exactly how much property or money Charlotte and her potential children would receive during and after the marriage (this is what is meant by references to pin money and jointure; pin money is what the woman will regularly receive for her private expenses during the marriage, and jointure is what she gets if she survives her husband). There's a straightforward example of this with Mr and Mrs Bennet, for instance.

Mrs Bennet brought a dowry of four thousand pounds to the marriage. Mr Bennet or his family settled an additional one thousand pounds on her at the time (23 years earlier). So there's five thousand pounds attached to Mrs Bennet and her children specifically that is essentially secure—the income from it can only go to her or her children. Since her children are all daughters, however, this pretty much automatically includes her daughters' husbands as well, since women were legally and financially subsumed into their husbands' identities upon marriage and it took some legal shenanigans to protect their resources. Lydia's share of Mrs Bennet's fortune, one thousand pounds, effectively goes to Wickham as part of the marriage arrangements, and it's not clear if Lydia's money is legally secured to her in the same way since it was part of bribing Wickham to marry her at all.

(Tangent: a lot of analysis tends to assume that income from a lump sum of this kind would generate an income of 5% of the principal via low-risk, low-reward government investments. Mr Collins himself explicitly estimates that Elizabeth's portion of Mrs Bennet's settlement would generate an income at a 4% rate, leaving her with a mere 40 pounds a-year. This might seem Mr Collins-style negging, but in reality these kinds of safe government investments could and did drop to rates closer to 3% due to various economic upheavals at the time.)

Returning to Charlotte's situation, eighteenth-century advice urged men (even much less affluent men) to set aside a significant portion of their incomes every year to add to what was settled on their wives/children, so that if they died, their children and widows would have more to live on. The original settlement, as in Mrs Bennet's case, could be pretty small, especially for multiple people to live on. Mr Collins is enough of a rules guy that he might set aside the suggested percentages of his income, especially if Lady Catherine considers it proper. But even if we assume he's setting aside, say, 20% of his income, I doubt that would amount to very much if he dies soon; the Hunsford living is good, but not that good, and he's only 25, so there just hasn't been much time. Charlotte would essentially be a poor cousin by marriage of the Bennets and dependent on her own family (already in straitened circumstances) for anything more than her settlement, which given the circumstances wouldn't amount to much.

People often kill Mr Collins young to given Charlotte a chance at a better life, but in reality, this would likely be a disaster for her.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Repairing Our Busted-Ass World

On poverty:

Starting from nothing

How To Start at Rock Bottom: Welfare Programs and the Social Safety Net 

How to Save for Retirement When You Make Less Than $30,000 a Year

Ask the Bitches: “Is It Too Late to Get My Financial Shit Together?“

Understanding why people are poor

It’s More Expensive to Be Poor Than to Be Rich

Why Are Poor People Poor and Rich People Rich?

On Financial Discipline, Generational Poverty, and Marshmallows

Bitchtastic Book Review: Hand to Mouth by Linda Tirado

Is Gentrification Just Artisanal, Small-Batch Displacement of the Poor?

Coronavirus Reveals America’s Pre-existing Conditions, Part 1: Healthcare, Housing, and Labor Rights

Developing compassion for poor people

The Latte Factor, Poor Shaming, and Economic Compassion

Ask the Bitches: “How Do I Stop Myself from Judging Homeless People?“

The Subjectivity of Wealth, Or: Don’t Tell Me What’s Expensive

A Little Princess: Intersectional Feminist Masterpiece?

If You Can’t Afford to Tip 20%, You Can’t Afford to Dine Out

Correcting income inequality

1 Easy Way All Allies Can Help Close the Gender and Racial Pay Gap

One Reason Women Make Less Money? They’re Afraid of Being Raped and Killed.

Raising the Minimum Wage Would Make All Our Lives Better

Are Unions Good or Bad?

On intersectional social issues:

Reproductive rights

On Pulling Weeds and Fighting Back: How (and Why) to Protect Abortion Rights

How To Get an Abortion 

Blood Money: Menstrual Products for Surviving Your Period While Poor

You Don’t Have to Have Kids

Gender equality

1 Easy Way All Allies Can Help Close the Gender and Racial Pay Gap 

The Pink Tax, Or: How I Learned to Love Smelling Like “Bearglove”

Our Single Best Piece of Advice for Women (and Men) on International Women’s Day

Bitchtastic Book Review: The Feminist Financial Handbook by Brynne Conroy

Sexual Harassment: How to Identify and Fight It in the Workplace 

Queer issues

Queer Finance 101: Ten Ways That Sexual and Gender Identity Affect Finances

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Racial justice

The Financial Advantages of Being White

Woke at Work: How to Inject Your Values into Your Boring, Lame-Ass Job

The New Jim Crow, by Michelle Alexander: A Bitchtastic Book Review

Something Is Wrong in Personal Finance. Here’s How To Make It More Inclusive.

The Biggest Threat to Black Wealth Is White Terrorism

Coronavirus Reveals America’s Pre-existing Conditions, Part 2: Racial and Gender Inequality 

10 Rad Black Money Experts to Follow Right the Hell Now 

Youth issues

What We Talk About When We Talk About Student Loans

The Ugly Truth About Unpaid Internships

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Identifying and combatting abuse

When Money is the Weapon: Understanding Intimate Partner Financial Abuse

Are You Working on the Next Fyre Festival?: Identifying a Toxic Workplace

Ask the Bitches: “How Do I Say ‘No’ When a Loved One Asks for Money… Again?”

Ask the Bitches: I Was Guilted Into Caring for a Sick, Abusive Parent. Now What?

On mental health:

Understanding mental health issues

How Mental Health Affects Your Finances

Stop Recommending Therapy Like It’s a Magic Bean That’ll Grow Me a Beanstalk to Neurotypicaltown

Bitchtastic Book Review: Kurt Vonnegut’s Galapagos and Your Big Brain

Ask the Bitches: “How Do I Protect My Own Mental Health While Still Helping Others?”

Coping with mental health issues

{ MASTERPOST } Everything You Need to Know about Self-Care

My 25 Secrets to Successfully Working from Home with ADHD 

Our Master List of 100% Free Mental Health Self-Care Tactics 

On saving the planet:

Changing the system

Don’t Boo, Vote: If You Don’t Vote, No One Can Hear You Scream

Ethical Consumption: How to Pollute the Planet and Exploit Labor Slightly Less

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

Season 1, Episode 4: “Capitalism Is Working for Me. So How Could I Hate It?”

Coronavirus Reveals America’s Pre-existing Conditions, Part 1: Healthcare, Housing, and Labor Rights 

Coronavirus Reveals America’s Pre-existing Conditions, Part 2: Racial and Gender Inequality 

Shopping smarter

You Deserve Cheap Toilet Paper, You Beautiful Fucking Moon Goddess

You Are above Bottled Water, You Elegant Land Mermaid

Fast Fashion: Why It’s Fucking up the World and How To Avoid It

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

6 Proven Tactics for Avoiding Emotional Impulse Spending

Join the Bitches on Patreon

[matheoxs]

Hate me all you want, but I would never pay someone to coach me when there’s free information everywhere. Once you get used to using the law in your favour, you’ll realize how ridiculous it is to pay someone to help you manifest what you want.

I remember being desperate to manifest something and almost paying someone for help, but then I realized it’s YOU who’s gonna give the desire to yourself, not the money you spend, and definitely not the person who coached you.

At the end of the day, you’re the one making the decisions.

I can’t imagine charging someone just to give them a simple answer. I don’t need money from anyone, and you don’t need to spend your last $20 just to manifest what you want.

Like I cant see myself charging someone who might be struggling financially. Imagine they can’t even afford food or clothes, and you’re over here charging.

It’s so ridiculous I’m sorry

but I needed to get this off my chest. I don’t like seeing people on Twitter and Tumblr charging for LOA advice. No offense this is just my opinion.

Take it or leave it idc..

Anyways thank you guys for sending me asks I will try my best to answer them when I have the actual time 🫶🏾

[bigcollections]

CARSALESMENİNFO - GOLD

Exploring Car Salesman Earnings: Understanding the Salary Statistics If you've ever wondered about the financial side of the automotive sales industry, you're not alone. Car salesmen play a crucial role in the vehicle purchasing process, and understanding their earnings can provide valuable insights. In this article, we'll delve into the world of car sales salary statistics, covering their average income, salary statistics, and factors that influence their compensation. 1) How much do car salesmen make The income of car salesmen can vary based on several factors, including experience, location, dealership size, and individual sales performance. On average, a car salesman's earnings typically consist of a base salary plus commissions. The base salary serves as a steady income, while commissions are tied to the number of vehicles sold. New or less-experienced car salesmen may start with a lower base salary, while seasoned professionals or those working at high-end dealerships may command a higher base. Commissions, often calculated as a percentage of the vehicle's sale price, can significantly boost earnings, especially if the salesman meets or exceeds sales targets. 2) Car Salesman Earnings: Breaking Down the Numbers To provide a general overview, the average base salary for a car salesman in the United States ranges from $20,000 to $40,000 per year. However, the potential for additional income through commissions can substantially increase overall earnings. Commissions typically range from 20% to 25% of the gross profit per vehicle sold. With the average profit per vehicle hovering around $1,000 to $1,500, successful salesmen have the potential to earn significant commissions. Top performers who consistently meet or exceed sales targets may enjoy additional bonuses and incentives. 3) Car Sales Salary Statistics: Influencing Factors Several factors influence the salary statistics of car salesmen: Location: The cost of living and demand for vehicles in a specific area can impact earnings. Salesmen in regions with a higher cost of living or strong demand for cars may earn more. Experience: Seasoned car salesmen who have honed their skills and built a client base over the years often command higher salaries and commissions. Dealership Size and Reputation: Salesmen working at larger, well-established dealerships or those specializing in luxury vehicles may have access to a broader customer base and potentially higher commissions. Sales Performance: The number of vehicles sold directly correlates with earnings. High sales performance and exceeding targets can result in increased commissions and bonuses. In conclusion, car salesman earnings are dynamic and influenced by various factors. Aspiring car sales professionals should consider these elements when entering the industry and be prepared for a compensation structure that rewards hard work, sales acumen, and customer satisfaction. Visit CarSalesMenInfo for more in-depth insights into the world of car sales, including tips for success, industry trends, and advice for both aspiring and experienced car salesmen.

[seafoamreadings]

pluto into aquarius (for the long haul!)

none of us now living will ever see pluto in capricorn again (unless you stick with sidereal astrology or, perhaps, if modern medicine grants us immortality which, frankly, is a quite aquarian thing actually...)

a sign change like this is a big deal. pluto in capricorn began with the recession and financial crises of 2008 and those greedy corporate entities, reflecting capricorn's darkest side, who profited from these manipulative actions in the last almost 20 years will not relinquish what they have gotten (or taken) easily. pluto in aquarius has very revolutionary connotations, historically as well as in the methodology of astrology. the advice of pluto in aquarius is to align yourself with what you believe/know to be right and good and honest, not merely with what benefits you materially. there are also rumblings of changes to the internet, the communications system, the power grids, and space travel.

this change is already reflected in a haka in parliament, the crowdstrike outage (when pluto last popped into/out of aquarius), and various threats to power systems of all kinds all over the world.

don't get lost in personal meanings in this passage. this is a global effect. nothing can ever be quite the same.

[richarlotte]

Dating advice for girls in their twenties without much experience?

Start by dating HENRYs.

A Henry is a man who’s High Earning but Not Rich Yet and he’ll usually be no more than 5 years older than you. Henrys usually work in finance or tech, and they’re also going to actively be looking for relationships. When I was in Chicago, actively going on Hinge dates after work and interested in getting to know more people, I went out on a series of dates with Henrys. They worked as associates for the major legal, financial, and consulting firms (they hadn’t made partner yet); they tended to be recent graduates with minimal student loans, and it was easy for me to connect with them offline through the activities I did. 

 

If you’re between the ages of 20-25, you should be focused on meeting and going out on dates with Henrys close to your age. It’s easier to make connections and gain dating experience that way; there’s less pressure, and I think it’s much easier to relate to men who have had similar life experiences and aren’t that much older than you, and there’s more variety with less baggage. If you’re short on time, I’d recommend trying Hinge (avoid Bumble, The League, or Raya), but if you want to make friends at the same time, look at run and supper clubs, go to bars around the major firms with friends, go to sporting events, and get yourself around groups of people your age.

[pinkchrissysposts]

Success story

Hello dear,it's me it's been we have already chat before i dmed you,and I'm so happy to tell you I have entered the void through lucid dream.

I have finally manifested a great life for me and my sons also didn't wanted to trauma dump on you until and unless i manifest my dream. So,I'm a lady in my late 20s,and after my husband died and I start having financial crisis,my teaching career wasn't going great and i end up loosing my job,everything was getting worse for me,there was a point when I thought to give my twins for adoption and my pet shih tzu to some dog adoption center because I just couldn't provide them enough,we were living in our car but I didn't give up.

So,I took your advice and start saturating non stop for 3 days straight,I think would've entered on the first day but I kept going back in my old mindset,but I persisted first day was hard to saturate all day,eventhough you recommended me to affirm for an hour,I still affirmed from the moment I woke up,till I fell asleep,I read through Taylor's tweets and some other loa accounts tweet and it motivated me to affirm for more then 5 hours,and I also watched a video by Rita Kaminski where she was telling to robotically affirm as we fall asleep and I did exactly that. But my sons and pet played a huge role and you too.

I have manifested being a model,earning upto 2000k a month,moved from Turkey to America and a living husband,I also got to provide better treatment for my dog's health and good schooling for my sons,and i have aldo changed my religion maybe controversial but it just felt like I didn't have much freedom.

And as for affirming i just affirmed "I'm a lucid dreamer,I can control my dreams" that's it.

I'm gonna delete this app for forever thanks alot,I must say affirming and saturating will be my favorite now.

ANOTHER SUCCESS STORYYYY🫠I'm so happy for you,you are truly an inspiration for all those who think their circumstances matters,and you not telling me your struggle touch my heart💓,I could tell you were depress when we first texted abd I'm so happy you persisted through your hard circumstances I'm happy you could give your son's and dog the better life they deserve.

[brujaluas]

MASTERLIST OF THE BRUJALUAS

Donates: https://ko-fi.com/brujaluastarot if you want a paid reading or spiritual spells and ritual with me send me a message, don´t be shy list of paid readings and spells

The Love Readings...

The pink letters are about future spouse...

What will my wedding night be like?

What do cupids want to offer me? What is the gift of love?

If it were a poem dedicated to me, what remained written with me in mind?

the things about you that most attract your future spouse

Your love life in 2024

how to speed up the connection with your future spouse

What would it be like if you had immersed in a fiction story with your love?

What will our love story be like?

the red and green flags of my future spouse

If my future lover sent me a text message, what would it be?

All about your future spouse

How is my ex's life and what are your thoughts?

Letter from your soulmate

Who is my soulmate?

Who loves me secretly?

the personality and appearance of your future spouse

How will your future spouse show their love?

Romantic letter for you

reasons that will make you and your future spouse fight

playlist of your relationship with your future spouse

first thought by your future spouse when look you

Readings only for +18

The kinks your future spouse will have with you

Things you need to know about them +18 nsfw

the first time in bed with your future spouse

How will your future spouse treat you in bed? +18

SPIRITUAL MESSAGES

things you need to hear

Message from spiritual beings that accompany you

What will happen to you this summer?

What you need to hear, the universe want to see you

What's stopping me from reaching my goals?

What is your power?

everything that the person you have in mind want to tell you

advice you should follow immediately

yes or no.

How do men see you?

Readings for your personal growth

ANALYZING YOUR 2024, THE NEW YEAR WILL BEGIN

your next glow up

your feminine and masculine energy

The impression you leave on people when they look at you

things you are not developing

your next successful manifestation

your hidden talents

Secrets you keep in your heart

your next physical and mental change

everthing about my paid readings and spells

About personal readings for you - tarot readings

two hearts method - everything about your future spouse's relationship with you + nsfw about the two of you- 15 dollars

silver method - one question about anything (15 minutes or more of reading, be ready for read an ebook) - 10 dollars

silvers methods - two questions about anything - 20 dollars

pearl method - all about YOU, focus only on you and your growth in life - 10 dollars

yes or no (with resolutions) - 5 dollars

lovers method - Letter with channeled messages about someone you want to know (soulmate, future spouse, friends, family, celebrity crush) - 16 dollars

pinks method - what would your relationship be like with the celebrity you like? (I would like to remember that it would not be something specifically loving and romantic) - 8 dollars

past lifes - everything about your past life - 12 dollars

lapis lazuli - 4 answers for you, reading about your financial life in the future, reading about your love life, can ask a yes or no question (with resolutions) and updates about your connection with your future spouse - 50 dollars

SPIRITUAL WORKS

"love, you are honey in my mouth" - love work to make the person you love or your crush see you with heart eyes. ( the person becomes more gentle and affectionate) - 15 dollars

"I don't want you, I don't want your touch or company" - I work to make the person move away from you, you know that toxic person? it can be dissolved from your life with my works - 15 dollars

"my spirit feels good" energetic spiritual cleansing, oh my dear, if you knew that sometimes something is not flowing positively because of the bad energy that surrounds you, I am here to cleanse. - 15 dollars

Prosperity - "my life is as sweet as strawberries with honey" - prosperity in everything - 15 dollars

[sevenrenny]

Recently a relative asked me why I'm 'suddenly' always sick and that I was so healthy as a kid.

I was never a healthy kid. I was always in pain, but nobody believed me. I complained I had moments of dizziness, momentary visual blurriness and blindness, moments where I couldn't balance myself, and intense migraines so bad I fantasized popping a hole in my skull hoping that would get whatever was hurting me out of my head. I had days where it was just brain fog, but I was too young to know the word 'brain fog'. I'd have days where I was in so much pain I'd vomit.

But I got scolded for 'faking it' for attention or to get out of school. I got punished for 'being lazy'. So little by little, I learned complaining about constant pain that made me suicidal would make things worse for me. People punished me for telling them I was hurting, so I shut up.

Even when I became quiet about it, there were things I couldn't hide and my family rug-swept them: I passed out at school a few times from intense pain. I had multiple intestinal issues my family told me were normal, that 'it happens to everyone', telling me that 'Your dad had that happen so many times' while chuckling like it was funny. Every time, they waited for me to 'stop being dramatic' until I started screaming and writhing on the floor and they finally got me to the ER, scolding me the whole time for 'not saying anything sooner'.

During one of those visits, a doctor found a large tumor I was choking on. He found it by accident when he was putting a tube down my throat. I'd been having trouble breathing, but my family accused me of lying, and I'd started to think I was imagining it. Upon discovering the tumor, my mom's reaction was to scold me for giving myself a tumor.

After the tumor removal, the doctor had told her something seemed odd, and he talked with my mom for a bit but I can't remember what they said. We never went back to this doctor. When I asked my mom about it later, she told me the doctor was stupid and he had no idea what he was doing. (It was in my 20s when I went to check on my intestinal issue that the doctor told me he suspected I had gastroparesis, which he later confirmed it was.)

I struggled with classes because of the combination of undiagnosed medical issues, undiagnosed ADHD, undiagnosed dyscalculia, and having panic attacks (later got diagnosed with c-PTSD). My mom threatened to marry me off or kick me out of the house for almost failing math. I was sworn at, told horrific things that still stick with me (and the rest of the family blamed me for 'being lazy' and making her angry with me). I was a kid and couldn't understand why existing hurt, why, if it was so 'normal' to be in consent agony, everyone else seemed to not be struggling like me. I couldn't wrap my head around why everything that seemed so easy for everyone else was almost impossible for me.

It wasn't until an online friend asked me if I had some sort of disease because I was constantly in the hospital. I told her, "No, not really. What's the average number of times someone's in the hospital?" She said, "Renny, I've never once been to the ER." She was older than me. It was then that it clicked for me. I'd been so convinced that all of this was normal, that I was behind everyone else in life because I must be just a weak person because I was so behind even when I gave it my hardest.

I wasn't behind because I was weak. I was behind because I was never given the assistance I needed.

As soon as I became an adult and financially independent, I started seeking medical help. Got diagnosed with severe chronic migraines and other illnesses typically comorbid with chronic migraines and gastroparesis. (There are some issues I can't get medical help for in my country, so those will have to wait). I'm on medications now. Because of gastroparesis, pills didn't work for me too well, so a friend taught me how to use autoinjectors. I have friends who actually help me, give me advice, drive me to my appointments, and just be there for me emotionally.

Being medicated has made being alive so much more bearable. I can actually live my life now. Yes, I still have days where I'm in pain (not just migraines, but my other conditions, most of which don't have any treatments to manage them) but it's such a massive improvement from where I was before. I'm happier. I go to therapy. I found people I can talk about my pains and conditions freely to without being told I'm faking it or lazy. I don't work myself to the bone anymore; I shouldn't be giving my 100% to a job that refuses me accommodations when I'd need most of that to manage my health.

I'm back to complaining about pain because, before my family trained me to shut up about it, I was doing it right from the beginning. I'm supposed to complain about pain. Just because I can talk about it freely now, doesn't mean I was never sick before. Just because I'm on medications now, doesn't mean I didn't need them years ago.

I'm happier now as an adult. You just don't like that I'm visible about my illnesses now. It makes you uncomfortable that I self-administer injections, that I talk about my health the way that I want to. The thought of chronic illness makes you uncomfortable; you liked it better when I was quiet. You'd rather I don't find diagnoses for my illnesses, because, in your logic, if I don't go get the diagnosis then I'm not sick.

I was never a healthy kid. You just don't want to admit you went along with the rest of the family to abuse a disabled kid for being disabled.

[mindfulstudyquest]

❥﹒♡﹒☕﹒ 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗲𝘅𝗽𝗲𝗰𝘁 𝗳𝗿𝗼𝗺 𝗲𝗿𝗮𝘀𝗺𝘂𝘀 pros and cons

a girl asked me to talk about my erasmus experience in the questions box and she inspired me to make this post. if you have posts to request don't be shy! unfortunately i don't have all the time i would like to uptade but i will try to keep up.

erasmus is a student mobility program of the european union that allows a european student to attend a school in another EU country for a period of time legally recognized by their home institution.

it is a temporary experience with many benefits, enabling students to engage with different cultures and customs. due to its non-permanent nature, i believe it is one of the most beautiful opportunities for a student to feel completely free to explore and understand themselves, to figure out what they want and do not want from their life and educational path.

but let’s start by discussing its downsides. unfortunately, not everything is perfect.

𝟭. paperwork ( 📄 )

hey, i know, guys, i'm not the first or the only one to say this, but the paperwork for erasmus is a pain in the ass. it's not only extremely complicated, but universities (mine for sure, but i know it's a common experience) provide zero help in filling out the documentation. especially if you're not familiar with bureaucracy (and at 20 it’s normal not to be familiar with these things), it can seem like an insurmountable mountain. but if i, someone who doesn’t understand anything about this stuff, managed to get through it, you can do it too. typically, the documentation includes:

various information like ID, health card, and the IBAN of an account in your name (or joint name) where they will deposit the scholarship.

learning agreement, another plague sent from hell because you usually have to deal with two professors, one from your university and one from the host university, who clearly would prefer to mop the sea than help you fill out your learning agreement.

financial agreement for the scholarship, which has specific deadlines by which you need to submit documents (usually IBAN, learning agreement, and acceptance letter from the host university). fun fact: i almost missed this and didn’t receive the scholarship because these deadlines were buried deep in my university’s website (don’t be like me, make sure to be informed well about the financial agreement or you risk being left without money).

the best advice i can give you is to find someone from your university who has already done the erasmus where you’re supposed to go and ask them for some information. they, having gone through it, know what mistakes to avoid and what’s best to do. the offices often assume too many things and give you insufficient and hasty information.

𝟮. finding an accomodation ( 🏡 )

this too, another pain in the ass. it depends on the city, but here in madrid, finding a place to live has been a nightmare (and indeed, i've significantly overshot the budget i had set for rent). you have various options for accommodation:

student dormitories these solutions may seem the best at first glance, but they aren’t always. here in madrid, the fees for the dormitories at my campus cost more than my current rent, plus having only one kitchen for an entire floor is not exactly optimal comfort, especially if, like me, you cook a lot.

apartment studio/flat this is definitely the most comfortable option, but also the most expensive. a studio outside the center in big cities can cost up to €1000 a month. however, if you can afford it and prefer privacy, then go for it. at first, living alone might not be easy, especially if it’s your first time away from family, but you’ll get through it quickly.

room in an apartment this can be the best or the worst option depending on your luck because having flatmates means cohabitation, which is not always pleasant. if you're going in erasmus with someone you know, it might be optimal to share an apartment or take two rooms in a larger flat. personally, i rented a room in an apartment with three other people (two bathrooms and a kitchen), and i couldn’t be happier; i love my flatmates, and we quickly became friends. we cook together, go out together, spend entire evenings chatting and joking and they helped me a lot overcoming the first crisis. i realize, though, that i am an exception, so choose your accommodation carefully.

in short, consider your choice based on 3 factors:

proximity to the university/public transport links i study outside of madrid, almost an hour by bus from my place, but i live practically across from the bus stop, so it’s not a problem at all.

centrality/connection to the city center you're in erasmus to experience the city!

comfort of the place such as private bathroom (very hard to find but not impossible), utensils, AC, appliances (we have a dishwasher at home, and i assure you it saves our lives everytime).

𝟯. homesickness ( 🤧 )

yes, everyone feels homesick, even the most stoic. but guarantee you, you'll get through it. first of all erasmus, fortunately or unfortunately, isn’t forever. it’s a 6 month/1 year experience that is incredibly valuable for your personal growth, at the end of this period of time, you'll be back home. secondly, you can always stay in touch with friends and family in the age of technology. those who truly love you will support you in this project and do everything they can to make you feel less lonely. lastly, during erasmus, you’ll make many amazing friendships and connections that you otherwise would never have the chance to make.

𝟰. language barrier ( 🦜 )

i can’t say much about this, i've never studied spanish in my life, but, since i'm italian, i have no trouble following the lessons and understanding people when they speak, even though i'm still not able to express myself well in this new language. however, by living in another country, you’ll learn the language much faster and more effectively than with any academic course. in just a month, i already feel much more comfortable with spanish, and everyday i learn new things.

and of course, i could talk for hours about the benefits of erasmus, but i might save my praises for a post i'll write later, towards the end of this experience.

i can tell you that in just a month here, a whole new world has opened up for me. not only is the thrill of being in another city, in another country, an electrifying flow of continuous energy, but i’ve also realized things about myself that i might have ignored before.

i have much more confidence in myself; i feel freer, less afraid of making mistakes. it’s true, i’m far from my family and friends, but this also means i’m far from all those eyes under which i always try to appear perfect.

i crave to see and learn, i'm eager to discover new things, and this drives me to do things i probably wouldn’t do in my home country, to appreciate their flavor and indulge in the uncertainty of "maybe i’ll like this".

for the first time, i’m experiencing a new country without the rose-tinted filter of a short vacation. i’ve never felt as rich and full of gratitude as i do now, and i hope this is a feeling every student can experience.

so, erasmus, yes or no? absolutely yes.

i’d love to keep updating you on my experience abroad. what do you think? would you like that? let me know in the comments! star kisses ⭐