Copahee Coaching, Budgeting & Education

Timeline Photos

You need a will. Really. No matter your age, you need to get this taken care of.

Easily get a state-specific, online will from the only company I trust to help you get this done the right way: https://bit.ly/3AJIMNr

Timeline Photos

You need a will. Really. No matter your age, you need to get this taken care of.

Easily get a state-specific, online will from the only company I trust to help you get this done the right way: https://bit.ly/3AJIMNr

[09/19/21]   Edit - if anyone depends on you income OR YOUR LABOR, get life insurance TODAY!

Stay at home parents need insurance too! If something happens to you, your spouse needs money to hire your replacements (a cook, nanny and housekeeper)

Timeline Photos

Here's a breakdown of why I recommend people get 10-12 times their annual income in TERM life insurance...

If the worst happens, Alex's family can take care of some immediate expenses, and then invest the remainder of the money from his life insurance policy into a mutual fund. (Always get in touch with a trusted investing professional to help with this.) They would then see an annual return on the investment that would be similar to his current income. This money would help them long term, if the worst case scenario were to happen.

If someone depends on your income, you NEED life insurance.

I only recommend term life insurance. Why? You get the same amount of coverage for a fraction of the price of a whole life policy. A term policy lasts for a set number of years (usually 20) and you pay a low rate each month for the coverage you need. At the end of the term, yes, that policy has ended, but what the critics fail to remember is that you've had 20 years of affordable coverage. In that time, you can use the money you’re saving to pay off debt, save for emergencies, and invest the difference you would have thrown away on a more expensive whole life policy. If you're working to get out of debt and following the 7 Baby Steps, you'll be covered with your investments after 20 years, and you won't need life insurance anymore. Don't throw your money away. Think for yourself and get the coverage you need, not the policy that someone making a commission wants to sell you on. For stay-at-home parents, I recommend a term policy valued between $250,000 — $400,000.

✔️ Get in touch with the only company I recommend to help you get the term life insurance coverage that's right for you: https://bit.ly/3mrVtbx

IRS opens online tool to register for the monthly Child Tax Credit payments

https://money.yahoo.com/irs-opens-online-tool-to-register-for-the-monthly-child-tax-credit-payments-191512769.html

IRS opens online tool to register for the monthly Child Tax Credit payments Families who don’t file tax returns can now register for the monthly Child Tax Credit (CTC) payments through the Internal Revenue Service's online portal.

Broke leg Cat, organized by Kenneth Bowen

My friends are trying to help a stray mama cat. Please help if you can!

"Cat appeared at our house with what appers to be broken leg had four kittens next day after speaking with vet was informed that an office visit would be about $75 and before they could do anything for the leg they would have to take x-rays that would be about $200... "

Broke leg Cat, organized by Kenneth Bowen Cat appeared at our house with what appers to be broken leg had four kittens next day after speaking with… Kenneth Bowen needs your support for Broke leg Cat

Millions of Chinese smart TVs scanned WiFi every 10 minutes, sent personal data to company

Millions of Chinese smart TVs scanned WiFi every 10 minutes, sent personal data to company According to the South China Morning Post, a user of the Chinese developer forum V2EX published a post last week detailing that his Skyworth smart TV was scanning data every 10 minutes and gathered information such as the Wifi network the TV was connected to, the user's IP address and device names.

[03/04/21]   The average payment on a new car in America is nearly $500 per month over more than 5 years. 🚗

If you paid cash for a reliable, used car and invested that average car payment amount into good mutual funds from age 25 until retirement, you'd have MILLIONS in your investments by age 65. 💰

If you'd rather have that new car and a huge payment, I really hope you like the car. 😬

Timeline Photos

SLOW AND STEADY WINS.

The hare would spend every dime they had to keep up with every distraction that came their way.

The tortoise stays focused. The tortoise is content with their path and their plan. They know where they're headed. Be the tortoise.

Timeline Photos

If you're getting a refund, you paid TOO MUCH.

So many people act like a big refund is something to celebrate, but in reality... it's not. If you're getting a refund, you didn't win the lottery. You withheld too much from your paychecks last year, and now the government is just giving you back what was ALREADY YOURS. That money could have been working for you the entire time. YOU EARNED IT, but you loaned it to the government... interest-free.

To make sure you get your taxes done RIGHT this year, use a tax software that you can TRUST. My team has a great online tax software that's simple, easy to use, and has zero hidden fees. We call it Ramsey SmartTax.

Learn more and get started: https://bit.ly/3s8yYrP

Timeline Photos

Here's a breakdown of why I recommend people get 10-12 times their annual income in TERM life insurance...

If the worst happens, Alex's family can take care of some immediate expenses, and then invest the remainder of the money from his life insurance policy into a mutual fund. (Always get in touch with a trusted investing professional to help with this.) They would then see an annual return on the investment that would be similar to his current income. This money would help them long term, if the worst case scenario were to happen.

If someone depends on your income, you NEED life insurance.

I only recommend term life insurance. Why? You get the same amount of coverage for a fraction of the price of a whole life policy. A term policy lasts for a set number of years (usually 20) and you pay a low rate each month for the coverage you need. At the end of the term, yes, that policy has ended, but what the critics fail to remember is that you've had 20 years of affordable coverage. In that time, you can use the money you’re saving to pay off debt, save for emergencies, and invest the difference you would have thrown away on a more expensive whole life policy. If you're working to get out of debt and following the 7 Baby Steps, you'll be covered with your investments after 20 years, and you won't need life insurance anymore. Don't throw your money away. Think for yourself and get the coverage you need, not the policy that someone making a commission wants to sell you on. For stay-at-home parents, I recommend a term policy valued between $250,000 — $400,000.

✔️ Get in touch with the only company I recommend to help you get the term life insurance coverage that's right for you: https://bit.ly/3aYrm41

$19.99 Personal Finance Courses for Teens

$19.99 Personal Finance Courses for Teens Black Friday Sale

Our Kids Sale Is Here! 🎉

Our Kids Sale Is Here! 🎉 Hurry, these deals end on Sunday!

Your Wishes in Writing

Your Wishes in Writing Take the worries out of creating your legal will.

Personal Finance Homeschool Curriculum

Personal Finance Homeschool Curriculum Prepare Your Teen for the Future

Dave Ramsey

It's time to step up and make sure you're taking care of things. That includes insurance.

Take my team's free coverage checkup to see if you're covered in the areas you need most: https://bit.ly/32GZxJl

Robert Pugliese Memorial Fund organized by Ryan Elkey

This lovely young lady, Kyla is in my homeschool co-op. On Wednesday 6/10/2020, her husband, Robert, was killed in a car accident.
She is now a widow with 2 young children (son will be 2 in July, daughter is 4 months).
This has been a devastating loss for them. Robert was the bread winner so that Kyla could focus on parenting and homeschooling.
Robert was a wonderful husband and father. Their life together was just beginning and now Kyla has to figure out a new path.

Please consider donating - even just $50-100, as it all adds up quickly.

Kyla will have enough struggles facing her; let's ensure that money for food and housing is not one of the struggles.

gofundme.com Robert Pugliese passed away the morning of June 10, 2020. He leaves behind his wife and 2 chi… Ryan Elkey needs your support for Robert Pugliese Memorial Fund

Robert Pugliese Memorial Fund organized by Ryan Elkey

This lovely young lady, Kyla is in my homeschool co-op. On Wednesday 6/10/2020, her husband, Robert, was killed in a car accident.
She is now a widow with 2 young children (son will be 2 in July, daughter is 4 months).
This has been a devastating loss for them. Robert was the bread winner so that Kyla could focus on parenting and homeschooling.
Robert was a wonderful husband and father. Their life together was just beginning and now Kyla has to figure out a new path.

Please consider donating - even just $50-100, as it all adds up quickly.

Kyla will have enough struggles facing her; let's ensure that money for food and housing is not one of the struggles.

gofundme.com Robert Pugliese passed away the morning of June 10, 2020. He leaves behind his wife and 2 chi… Ryan Elkey needs your support for Robert Pugliese Memorial Fund

Robert Pugliese Memorial Fund organized by Ryan Elkey

This lovely young lady, Kyla is in my homeschool co-op. On Wednesday 6/10/2020, her husband, Robert, was killed in a car accident.
She is now a widow with 2 young children (son will be 2 in July, daughter is 4 months).
This has been a devastating loss for them. Robert was the bread winner so that Kyla could focus on parenting and homeschooling.
Robert was a wonderful husband and father. Their life together was just beginning and now Kyla has to figure out a new path.

Please consider donating - even just $50-100, as it all adds up quickly.

Kyla will have enough struggles facing her; let's ensure that money for food and housing is not one of the struggles.

gofundme.com Robert Pugliese passed away the morning of June 10, 2020. He leaves behind his wife and 2 chi… Ryan Elkey needs your support for Robert Pugliese Memorial Fund

One Overlooked COVID-19 Legacy Will Haunt Your Grandchildren | Brad Polumbo

fee.org During the public health crisis caused by COVID-19 and the economic crisis that resulted from the government-mandated societal shutdown, the public’s attention has focused on short-term threats and immediate consequences. This, understandably, led to an emphasis on figures such as the approximatel...

Millionaire who saved 70% of his income and retired at 35: 'We should all live by these 6 basic principles'

"No one wants to be broke for the rest of their lives, so even if the goal isn't to retire early, we should all live by these six basic principles to build wealth:

1. Make financial freedom your No. 1 goal
The first rule is the most important, and it has little to do with money. It's about wanting to achieve a goal enough to make it your top priority.

Back then, I had a great salary and was good at my job. But I dreaded going to work every day. I didn't enjoy having a boss or sitting through performance reviews. The meetings, office conflicts and long commutes were exhausting. I wanted to leave the 9-to-5 life and travel the world. So, in my late 20s, I decide to make early retirement my primary goal.

I focused on making dramatic changes to my financial habits. Instead of letting my money sit idle, I invested more of it. I also started saving 70% of my income. It was hard at first, but got easier as I kept reminding myself that everything I'd been spending on were things I either didn't use or need.

None of the changes I made felt like a sacrifice, because I knew they were all in support of my goal. It's like getting into shape: You'll only lose or gain weight if you change your diet and fitness habits. And you have to want it badly enough to keep at it."

cnbc.com Not everyone will be able to retire early in their 30s, but achieving financial freedom is within grasp for many. You just have to want it badly enough to follow a few basic principles.

New program helping pay rent for thousands facing eviction in South Carolina

"For thousands facing eviction in the Palmetto State due to the coronavirus, a new program is helping pay the rent.

It's thanks the COVID-19 Rental Assistance Program, a partnership between SC Housing and the non-profit SC Thrive.

Starting Wednesday, $5 million is ready to distribute to thousands of South Carolinians to help them get back on their feet."

wltx.com It's called the COVID-19 Rental Assistance Program, a partnership between SC Housing and SC Thrive.

Evictions to resume: What you need to know

https://www.counton2.com/news/latest-news/evictions-to-resume-what-you-need-to-know/

counton2.com CHARLESTON, S.C. (WCBD) – Evictions resumed today and local organizations want you to know that if you received an eviction letter from your landlord today—you do not have to leave immediatel…

New threat to the economy: Americans are saving like it's the 1980s

cnn.com Americans are slashing their spending, hoarding cash and shrinking their credit card debt as they fear their jobs could disappear during the coronavirus pandemic.

Stimulus Payment Round 2: A Rundown Of The 3 Current Stimulus Proposals

forbes.com One of these three stimulus proposals could soon put more money in your pocket.

Coronavirus Stimulus Payments: When Will They Be Sent and Who Is Eligible?

Who qualifies for the stimulus payments?
The payments go to almost any adult with a Social Security number, as long as they aren’t dependents of someone else. Those adults get the payments for the children in their household. Payments start phasing out for those with income above $75,000 in adjusted gross income for individuals, $112,500 for heads of household (often single parents) and $150,000 for married couples. The payments start shrinking above those levels.

For those with no children, the benefit disappears at $99,000 for individuals and $198,000 for married couples.

wsj.com In response to the economic fallout of the coronavirus pandemic, Congress is poised to approve an economic relief plan that includes one-time direct payments to most households. Here are the key details.

Justine Robinson LMT Covid Relief Fund organized by Justine Robinson

gofundme.com After 12 years, I had to shut the doors temporarily on March 23, 2020 due to … Justine Robinson needs your support for Justine Robinson LMT Covid Relief Fund

Economic Impact Payments | Internal Revenue Service

irs.gov We’re committed to helping yout get your economic impact, or stimulus, payment as soon as possible. See if you are eligible for an Economic Impact Payment.

FPU Lesson 1 Stream | Daveramsey.com

2020: The Year You Win With Money (For Real)

“Be better with money.” Is that one of your 2020 resolutions? Maybe you hit rock bottom. Or maybe you’re doing okay—but okay isn’t good enough. No matter where you are in your money journey, you can always learn more and do better. And the power to be better with money? Well—that’s in your hands!

So, where do you start?

Financial Peace University, the proven personal finance plan that’s already helped nearly 6 million people win with money. For real. In this exclusive one-night-only Financial Peace University Lesson 1 stream, you’ll learn the steps to pay off debt, save money, and build wealth for your future.

When: January 7 at 7 p.m. CT
Where: Dave Ramsey’s YouTube channel
Lesson One Video Stream

The event is FREE, but you do have to register to join in.

This is a night of screen time that’s actually good for you. Get ready to load up on the motivation you need to crush your money goals.

https://www.daveramsey.com/fpu/stream

daveramsey.com Make 2020 the year you win with money. For real. Join us during the free Financial Peace University Lesson 1 stream and get an exclusive preview of the plan that’s already helped nearly 6 million people turn their finances around. No matter where you are in your money journey, you can always learn...