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WINTER WEATHER IN TX // CARE PACKAGES FOR THE HOMELESS

I know I’m proud of you yeah, like your second workout this week, great okay, so obviously I’m still working out officially seven months pregnant this week, twenty-eight weeks third trimester. What’s on the agenda today more work and then everything else related yeah yeah. In a way, I’m doing taxes which will didn’t give me more money to do things on the house. That’s true! That’s fun! No! No! So we’re going to work on that today, I figure out what we’re going to have for dinner.

I’r trying to plan meals a little bit better, so we’re going to do that, go to the store and then I’ve got some online client work. So yeah, that’s that’s our day to day work taxes, food TV, /, sit in bed and do nothing time. Always that’s a given well, first coffee and coffee ran out, of course anything pity yeah, that’s all cleared out over there, but that’s not the way that the cars me running down because we’re trying make a pass for the car tube.

So I guess the the truck can either come behind the house, which is there or there’s actually the a big path right through here, just a little bumpier until you get to like right where you’re standing come on this way, let’s see okay, so we can actually Go up in there now too, not that we need to. Let you see this see how the you smell that and see all the butterflies look at this tree. You know there’s a ton of bees on there too, but look at that they’re pulling all the pollen and stuff from this.

It’s like white flowers growing on this thing. This is right in our backyard, but they keep coming this way. Let’s see if you can drive all the way through here, let cut down all those Cedars for more fence posts. So those are me nice. I know there’s some deer over there, everything Brady Brady are you going to cross over there we go and we’re still going to weed eat. This whole area just keeps growing.

I think a little pathway all through here and then cows walked by here certain times. One of those things that balloon, my D is a get this smooth enough where we can make it a running trail Amy. When I ran yeah well, you can actually bike. It. That’d be a lot easier. Your bike is good enough for this, and then these are possibly chairs and a table and there’s actually more over there and we’re going to take it all the way back through there too, because there’s actually only Cedars all through there.

And then this cactus on the left side – oh they just burned, they didn’t really do any like. This is all clear. Already yeah, there’s already grass growing, that’s pretty cool. This is where the story ends so yeah. It goes back another weight like 200 feet or so before it starts curving back that way, and they can expect to the house. Are you guys until before my camera dies, I’m going to show y’all really quick? I know we haven’t talked about the care packages in a while, so it’s going to update y’all on what we have for this month’s.

I just finished out three. I’ve got one sitting here ready and then I’ve just finished out three more care packages. So, if you guys don’t know what the care packages are, if you’re new to this blog or you just haven’t, heard us talk about them, what we’ve been doing for about two years now, thanks to the help of you guys on patreon, is we put together what I call care packages for the homeless, so since we move around a lot, we tend to run across a lot of people that are on the street and being so close to Austin and going to us and quite often there’s a ton of people that just I I see it as needing compassion and love and it’s a whole other topic in its own.

But I’m I’m a huge advocate of just doing every a little bit that you can to make a difference in this world and sometimes a very, very simple gesture can make all of the difference in the world to somebody else. So we started with the ziplock baggies and I would put in like a snack, a water bottle, a toothbrush and some socks or something super super simple. We talked about it on the blog years ago, back whenever it was a Fitness blog, and it was just a large Ziploc baggie that I we would have in the car and I would hand out as we’re driving around if whoever came across anybody.

If we’re walking downtown Austin, I would just carry a couple with me and just okay, so it did die but real, quick before knives again for the pet care packages. I’r just going to show you off: we’ve got our lovely blanket and the weather has been so random here in Texas. It was 70, probably upper 70s yesterday, and then we woke up this morning. It was 42, so I never know you can always be prepared.

So also we have tissues, we’ve got a little toothbrush. Dental kit, refreshing hand, wipes refreshing is key. Sunscreen, some Wheat, Thins snacks, and I try to get some just easily transportable non perishable things that don’t require cooking. So just a lot of crackers and peanut butter type in bars, and then these little travel first aid kits we’ve got some electrolyte waters and socks which these are five packs.

I say this time and time again and in case anybody needs to hear it socks. Are they have been called hobo gold, the guys that we gave a care package to one time? Apparently, socks are some of the most appreciated items that you can give to people on the street so and then, along with that, we’ve got a ton of these lira, bars ton of peanut butter crackers and then a couple little travel-size, my neck size trail mixes.

So that’s what’s in all of these care packages right now, I’ve got four ready to go and yeah we’re going to get these out. Hopefully, hopefully this week, every now and then I’ll get questions from people on where to start. If they want to do something like this, because they see us doing backpacks and all of these big items and it gets kind of overwhelming, but what I tell them is just start with what you can just like.

I said having that Ziploc with just various little items can make all the difference in the world, and I have yet to have anybody turn these down. It’s it’s. It’s kind of heartbreaking whenever we pass these out, because you have this super short interaction with this person, and I don’t know them, they don’t know us and we basically what I’ll do is I’ll roll down the window. It’s usually at a stoplight I’ll roll down the window or I’ll.

Ask him: hey: we’ve got we’ve got these backpacks they’ve got snacks, they’ve got water, they’ve got some essentials in them. Would you like one and they’re usually kind of taken aback by it, because I don’t think that they expect it and Matt’s gotten a hug before I’m freaking out one of these? It’s just it’s! It’s very heartwarming, but it’s also heartbreaking at the same time, because to see somebody so moved by something as simple as socks.

It really kind of reminds you of what’s important in this life, so I always just encourage people do what you can. I know a lot of people don’t like to give money, and that’s you know you don’t you don’t have to if anything, just a smile can sometimes be encouraging for somebody else. You know these are these are people just like us, and I know that there’s there’s a lot of people that might be on the streets for good reason, but the worst thing that this can bring is is just a reminder to them that they are cared for By somebody and so yeah, as if block Maggie, just fill it with a couple random items, you know water, oh man, what too bumpy for you? No, he doesn’t step in he peed into it.

You can see this, that’s it!


 

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Growing Passive Income for Wealth: INVESTING in shares/stocks || SugarMamma.TV

So you can make more informed decisions when it comes to managing your money and actually see your financial wealth build and actually realize that financial security and independence is well within your reach.

When you make great decisions with your hard-earned money, all right today, guys I’m talking to you about passive income streams. There are a whole range of different passive income streams, some which are very conservative, some, which are quite aggressive. However, it’s important that you pick the right income stream for you and for your financial goals and for your risk appetite now the people who are really nervous when it comes to investing and don’t have much experience.

They may want to start off investing in a fairly conservative styles of passive income sources, and these are typically cash savings accounts term deposits, maybe even some government bonds or even corporate bonds and typically because they’re more conservative, their returns are a little bit like that. Typically, a passive income stream, that is the yield of these conservative types of investments, ranges between 2 up to 3.

7 percent per annum. But these types of conservative assets generally have no capital growth, they’re, predominantly income based, which means if, for example, you bought a bond for $ 100,000 and the yield will say 3 percent, you would be getting only $ 3,000 a year in passive income from that bond. There is no capital growth element to it whatsoever, but if that’s right for your risk profile, you don’t like taking risk and you’re uncomfortable with it.

That may be the right type of investment for you now, the more aggressive or assertive you could say of investments for building long-term wealth are things like residential property, commercial property, domestic shares or international shares, and these returns are typically, as history shows a lot higher, because The more risk you take, the more of a reward you should get so residential property on average yields between 3 point to up to three point: nine percent.

But when you take out all the expenses of running a property, it typically comes down to a yield of around about two to two-and-a-half per year with commercial property. The yield tends to be a little bit higher around five point, five percent and when it comes to investing in shares, depending on whether it shares a base, for example, Australian shares the yield tends to range between four point: seven percent up to five point: seven percent.

When you factor in franking credits now, there seems to be a lot of misconception when it comes to investing in shares and comparing it against conservative estimates such as fixed interest bonds. However, I want to make sure you guys are aware of the difference between these two different types of asset classes and the impact over the long run. So the best way for me to show this to you is by showing to you what has happened in history.

If I were to take a hundred thousand dollars and put it into a term deposit in 1979 and just took the passive income each year and spent it, I never reinvested the money or added any new money to that term. Deposit account by 2016 that hundred thousand dollars would still only be worth a hundred thousand dollars, but it actually would have eroded away because that hundred thousand dollars could not buy me.

What it can today is what it could have done in 1979 and I would still be earning a passive income of two thousand five hundred dollars per year. That’s it, however, if I put that 100 thousand dollars into a diversified share portfolio of Australian shares, again just taking that passive income through the dividend, yields and spending it, adding nothing to it and not reinvesting any of my dividends that share portfolio would now be worth One point one: two million dollars and the passive income that I’d be receiving from that one point: one two million dollar share portfolio would be worth over fifty one thousand dollars every year.

Now, I’m pretty sure you would rather be receiving a passive income stream at 51 thousand dollars a year versus two thousand five hundred dollars a year. So you’re probably wondering how is this possible? How is the same amount of money invested in two different asset classes with SIPP, not too dissimilar yields over the long run so incredibly different? Well, it comes down to the fact that shares are two-dimensional assets.

They not only do they produce income, they also produce growth and that income grows with the capital value with shares. When a company raises profits, they reinvest some of those profits back into the business for future, compounding growth and to expand them, prove the value of the business, and then they pay a dividend on that and that dividend grows every year as long as the company grows. Now a lot of people say well, fine can investing in shares is incredibly volatile and comes a lot of risk.

And, yes, you are correct, you do when you invest in shares. There is a lot of high to medium term volatility over the short term medium term. I want to show you this other chart. This will really change your perception of really how safe term deposits are. If we look at the yield on term deposits and compare them against shares and even commercial property, in fact, it’s actually the toh deposits, which are a lot more volatile over that 17 year period, so that perception of term deposits being safe.

And you can sleep well at night versus shares being risky and dangerous isn’t actually quite true. So what this boils down to you? If you’re trying to build up a passive income stream, you’ve really got to look at the underlying assets in your portfolio. You do not want to forego long-term growth for stability. You need to make sure that your passive income and your investment portfolio is sustainable.

Is going to provide you with that passive income. That’s going to grow over time and ensure that you remain financially independent. Do not fall into the trap of just going in investing purely for yield with no capital worth. This will come with a lot of regret, further down the track and if you’re going to build up an investment portfolio where you’re going to incorporate more of these growth style, investments such as international and Australian shares and even some property make sure you diversify.

You do not need to go all or nothing most. People have a diversified share portfolio where they may have some commercial property, some residential property. You know a mixture of Australian shares and maybe some international ETFs. It’s a really well diversified portfolio which smoothes out the overall volatility over the long run and, of course, make sure that you look at the yield but make sure that the yield is consistently growing over time.

This should be the foundations of what you look for in a quality investment. Now, as you’re reading all of my money Monday articles, I really hope that your site to get it be more interested and a bit more inquisitive and maybe even tempted to start building up a share portfolio. But please remember you do not need to stress about which shares to pick and where and how and what you can very easily a listed investment company that does all that work for you or even a managed funds.

It doesn’t all that work for you or even look at a diversified ETF. There are so many different investment options out there. You do not need to put the stress and pressure on your shoulders as to what stocks to pick when how and why this can be outsourced to a professional all right. Everyone, I really hope you’ve enjoyed this article – remember, invest the for the long while invest for long term, capital, growth and long term growing yields, that’s the key foundation to building healthy, strong, passive income streams ciao for now, if you haven’t already subscribed, please make sure you Do


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