Category Archives: Money

Success with TS – Side Hustle your way to Extra Money

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TS_

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Success with TS – You Could Save Nearly $1,000 a Year by Cancelling Your Cable

Trump May be Saving Thousands of Dollars a Year HUGELY by Living in Florida

AMERICA, USA–In an obvious revelation, after five minutes of Google research, which no news media has covered, I may have discovered why Trump spends much of his time in Florida, at Mar-a-Lago: tax incentives.

Florida is where I want to live when I retire, logically, after stumbling upon the state’s six-plus-one formula, because there is no way I will be able to afford Minnesota’s progressive fifth highest tax burden in the nation.

Nerdwallet explains:

Florida is a tax haven, get woke.

Any person that wants to be taxed less on things such as everyday life, income, retirement income and property, should check out Florida.

The Sunshine State’s tax incentives may be saving President Trump thousands, if not tens of thousands of dollars a year, ermergerd.

The secret is out about Florida, now, and no one is talking about it… No one that is, but me, right here. If you find value in this idea, theory writing, make a donation. Thanks 😊

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Please consider a donation of any amount, as many already have.

None of the profits made off of advertisements on my blog go to me, the curator, creator, writer.

If you can’t get to my Paypal page because it’s busy, keep trying.

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Happy Reading,
TS_

Millennial Money: Turning in Our Leased Subaru Early Saves Us at Least $5,000 a Year

ST PAUL, MN–Yesterday, we saved our family $5,000 a year. We took our leased Impreza Sport in early and will now drive a minivan we bought with cash, per Dave Ramsey’s influence in The Total Money Makeover.

Our situation–saving us nearly $500 a month–is not average, nor is it normal by any means: 1/3 of all new cars are leased per average on 2018 consumer reports; nearly half of American adults rely on auto loans to pay for their vehicles: NOT OWNED.

We own our minivan outright, that’s unusual in a world where living on credit is standard. And by owning with no payments we save, BIG TIME. Also, by owning, within our means, we get out of debt sooner.

No more $343.17 a month to Chase for the Subaru we NEVER owned. No more $135 a month for insurance, high-end comprehensive, required by the lease agreement. On the minivan our first payment was the last!

We stopped paying for Subaru and Chase’s beach house, we are going to buy our own eventually, and sooner now.

I share our story because you too can do anything with a plan, action and a goal. Time to buy with cash, stop living beyond our means on credit. Patience and persistence to long-term success, good luck.

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Please consider a donation of any amount, as many already have.

None of the profits made off of advertisements on my blog go to me, the curator, creator, writer.

If you can’t get to my Paypal page because it’s busy, keep trying.

https://www.paypal.me/TSNiebeling

Happy Reading,
TS_

Social Media Influences YOU to Live Beyond Your Means

AMERICA, USA–When scrolling social media you will notice people you don’t care about trying to impress you with their contrived best, the most filtered and most beautiful parts of their lives as they depict them.

Now more than ever is the time to realize that the tool that is social media is the ultimate consumerism, the ultimate peer pressure, to convince you there are no flaws or fault in spending beyond your means. Wrong!

Millions upon millions try to get their perfected portraits up too, using credit cards and buying trips and coffee beverages they cannot afford in order to finance their image, to compete in a made-up game, to impress others doing the same thing.

The time is now to live within your means and without social media. Move beyond the unrealistic and the unattainable and step into a reality of improving your personal finance and your real life relationships.

Build your beach house.

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If you can’t get to my Paypal page because it’s busy, keep trying.

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Happy Reading,
TS_

A Vote for Democrats as a Public-Sector Union Member may be a Misguided Vote

On the ballot in Minnesota are two items that public-sector union members should consider very closely when/if voting straight Democrat in the 2018 Midterms: 1) Single-Payer Healthcare and 2) $15 Minimum Wage. These items are directly contradictory of the hard work that has been done to fight for your benefits and your living wage as a public-sector union member, let me explain my thoughts on these two items and how they could be undoing recent accomplishments of public-sector unions.

  • $15 minimum wage for all does not increase your living wage as a public-sector union member, in fact, it may make your wage less livable, more futile. It may also reduce the number of employees in the local workforce, triggering more unemployment, in order to make up for increased wages paid without increased profits earned. This does not benefit you as a public-sector union member and it does not benefit your community. Many Democrat candidates champion $15 minimum wage as a good thing with little evidence to prove their point, it is already being implemented in St Paul, MN (one example of concern about Minimum Wage locally); recently, perhaps, jobs have gone, businesses have and will close and move elsewhere in lieu of this policy change. These items impact us all. Here is a resource on Minimum Wage.
  • A Single-Payer Healthcare System implementation is an item of considerable speculation, ambiguity, and concern. If you have good healthcare/insurance now, one your union fought hard for to attain, perhaps you can kiss that benefit goodbye under Democrats who want a Single-Payer Health Care System. What’s more, not only could a Single-Payer Healthcare System give you theoretical universal healthcare and take away your unique healthcare plan, one based on your individual needs, one that fits you, but it could increase the taxes for you and your community–keep in mind Minnesota has the fifth highest tax burden in the nation, currently. Could you afford to go on a plan that isn’t built for you precisely and that may cost you more? I don’t think I could, and we are all different with special and unique healthcare needs. And what is the quality of Single-Payer Healthcare and is making it mandatory for all even constitutional? I have just a few questions on this topic, you should as well. I am open-minded. Here is a resource on Medicare for All.

These items, and the policies related to them, concern me as a public-sector union member, as a taxpayer, as a dad, as a husband and as a voter, especially when the rhetoric is at a fever pitch and the focus is on what President Trump does personally on Twitter or how bad he is or was as a person or ubiquitous smear campaigns against both political parties and not on actual government policy that change things for you and I and ours.

These policies are paramount to all. But do we all understand them entirely? Do we understand he Bill of Rights or the Constitution? I am not sure I do. Further, do we vote because we hate something or someone, or because we love something or someone, or their ideas are good? Do we vote for what was benign in the past, what might have worked out OK for that moment, or do we move forward and vote for ideas that work for the future, our future?

The items mentioned above, even though mere rhetoric, could have grave impacts on wages and benefits and communities actually. Think about that when you vote, it does matter.

Moreover, when you vote in the upcoming midterm election, don’t think about the party or something far away or some big ideas or some boilerplate talking point, think about your pocketbook, think about the Constitution, think about the law, the Bill of Rights, small changes for positive, and think about your local situation, good or bad, and how you can improve on it. You have the opportunity to say you want better, your voice is your vote. That thought and decision and voice on who you vote for will impact you most. That and recall, maybe the party that claims to represent your public-sector union vociferously is not the party that represents you personally.

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Thank you for your contributions,
TSN_

A Vote for Jeff Johnson is a Vote for Lower Taxes for All Minnesotans

If you are a Minnesotan, you pay the 5th highest tax burden in the nation, that is a fact. That means your taxes are very progressive, which, means your taxes are extremely costly to you.

Acknowledging this fact, Minnesotans cannot afford a candidate who supports additional and more aggressive state and local taxes (like the gas tax and others) especially when we are already paying more than our fair share for all.

That is why in November I, and many others, those who are fed up with high taxes with limited gains, will vote for Jeff Johnson for governor. Minnesota cannot afford another tax-and-spend politician like Tim Walz, or his Democrat cohorts.

Taking from citizens will not solve the problems of the government. Vote for your dollar, vote for your freedoms, vote for Jeff Johnson.

Don’t fall into hand-wringing hot-button topics politics.  We don’t need big government with its heavy price tag. We need accountability and efficiency, a better deal for Minnesotans.

Vote for less government, less taxes, vote for Jeff Johnson.

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TS_