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@angelinacalleja1: magandang hapon mga idol😊 #smestancia #fyp #fypシ #foryoupage
🌸💪proudbicolana💪🌸
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Region: PH
Tuesday 10 May 2022 07:27:00 GMT
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🦁♌leogirl🦁♌filipinazabala :
Keep safe and GOD bless 🥰🥰🥰🙏🙏🙏
2022-05-18 05:17:19
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What would you pick ➡️➡️ Your girl has hit all 6 on this list 👀 The most controversial, and one I said I'd never do but just did was pay off my mortgage in full. Let's talk about this. Putting extra payments on your mortgage isn't the right move for everyone (especially if you're in the US locked into a 30 year at a ~3% interest rate). And that's because by paying off low interest debt, you're missing out on gains you could have made in the stock market. If the stock market returns an avg of 10% a year, by paying off a 3% mortgage you're actually losing 7% on your money. Once your debt is around the 6-7% mark that's when I'd consider putting more onto it. So if I could have made more money investing than paying off my mortgage, then why did I pay it off? Because my investments have grown to a level where I am financially free, and the emotional ROI of not having debt outweighed the additional money I could have made. If I was not in this financial position, I wouldn't have paid it off - I would have instead kept using my money to fund my investments. Another consideration is my lifestyle expenses once I finally do "retire". The lower your fixed expenses, the more flexibility you have with your spending in retirement. This means I can ride out waves in the market easier by adjusting my variable spending in the near term. Ideally you want to aim to be mortgage free ~5 years before you retire. Ready to make financial freedom your reality? Start learning with our free money trainings, or apply to work with me as your 7 figure mentor. Find them on our website 🤍
#subwaysurfers #ара
Ada yang uda pernah coba belom nih? #NgobrolinKota #kitagas #fyp #pik #jakarta #jakartabarat #jakartautara
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Holiday mode has been turned on, happy me and you#animal#funny#cute#foryou
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