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Do you want to increase your financial education while you're stuck at home?

My team and I put together this 14 video course for you to explain HOW money works and what the rich know that you don't.

Best of all, it's free.

ducerus.provenwealthstrategies.com/free-access
AND you'll get a white paper on The Consumer's Guide to Proven Wealth Strategies.

Go check it out now.

ducerus.provenwealthstrategies.com/free-access
I should add that your email will be required because it's a closed course, so you'll have a login and password, and it will track your progress.

But, you should know me well enough to know I'm not going to do anything weird with your info or sell it anywhere.
Hey guys this is Stephanie, Ron's assistant. Looks like many of you were interested in the video course and we might have overworked the server. We are working on fixing this and will let you know when everything is back up and running!
Working on the server now, y'all.

Sorry if you're getting a blank page.
Stephanie again, we are back up and running! You can sign up for the video course here: ducerus.provenwealthstrategies.com/free-access
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Ron Caruthers
@roncaruthers
1. Rates for mortgages have dropped:

Should you refinance?

Here is an example from one client from an hour ago:

Client owes $277,000 on his mortgage and he is 8 years into a 30 year loan.

Payment (principal and interest only) is $1,603.

Interest rate is 3.5%
2. On his new loan, he can get a guaranteed rate of 3.125%, probably lower. But 3.125% for sure.

But...he starts the 30 year clock over.

His new payment will be $1,187.

So, he'll save $416 a month.

But add 8 years to the loan.

What should he do?
3. Answer, according to the math, is YES.

Here is why: first off, he likely won't be in the home for 22 or 30 more years in any case.

However, even if he is, if he did nothing but put the $416 in the mattress, he would have enough to pay off the new 30 year mortgage in 21 years
Read 7 tweets
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Ron Caruthers
@roncaruthers
1. The power of indexing for your investment strategy.

Thread.

One of the themes I try to write about is NOT having all your money in the stock market.

The last 3 or 4 weeks should give you a good idea why.

Markets go up....until they don't.

So, what do you do with the rest?
2. I use a strategy called 'indexing'.

NO, it is NOT buying index funds, because they just follow the market.

Here is how it works:

You have to set up this strategy with an insurance company.

Before you respond about 'hating insurance', you might want to read this
3. Here it is in a nutshell:

You get several strategies to choose from that all have one thing in common:

You get the upside of the market (when there is one) & your gains are locked in each year.

When the market goes down, the worst you get is a 0% rate of return.
Read 20 tweets
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Ron Caruthers
@roncaruthers
1. 'Dig the well before you thirst'.

Those were the words of Socrates 2400 years ago.

I've tried to live by those words, and now they are especially applicable.

This is going to be a LONG, but important, thread.

And it's where my age (53 next week) is an advantage.
2. And there are going to be a couple of affiliate links at the end, but you'll see why in a minute.

The impact the Corona Virus is going to be MASSIVE, whether it amounts to anything or not.

Some are calling it #Pandumbic .

Maybe they're right, and people ARE overreacting.
3. Others are concerned that the hospitals are going to be overwhelmed and it's basically going to turn into The Purge, with everyone attacking everyone else.

I'll give you my thoughts at the end.

But here is what I promise you is going to happen:
Read 21 tweets

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Kaeli Swift, Ph.D.
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Stuck at home due to #COVID19? Now is a great time to try and befriend your neighborhood #coRvid.

Benefits include nature being good for the mind, relief from social distancing, and possibly 🎁’s. A THREAD...
Although general bird feeding is more popular among elderly people, this is one of those cases where it’s because they’re wiser and we should pay attention. Because watching bird is freaking great.
Starting with a few bucks, you can transform your window in a live episode of Planet Earth, replete with competition, a revolving cast of characters, and ~drama~
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Filomena Rocha
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44. The Legacy of US, UK, France, Israel, Saudi Arabia, Turkey, Bahrain, Canada, Qatar, United Arab Emirates, Germany, Belgium, Netherlands, Australia, Jordan, Nato in Syria
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s • taekook aus thread
@taekookwriting
taekook au ;

to help pay for graduate school, taehyung decides to take on a part time job as a housekeeper at a mansion on the wealthy side of town; he doesn’t expect to become so attached to its cute owner & single dad, jungkook and his little son

#taekookau #taekook #vkookau
Taehyung double checked the address on his phone before looking up at the mansion in front of him. To say it was large would be an understatement; with its gray & tan stoned driveway and tall, swaying palm trees, this was easily one of the most beautiful houses he had ever seen.
He walked up to the ornate mahogany door, taking in the intricate patterns carved into the wood, marveling at the level of detail that went into it. He rang the doorbell once, twice before turning the doorknob, surprised that it was unlocked.

He looked down at his phone again
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Ross Heise @ Msft
@Ross_Heise
I recently had my 24th anniversary at work so I thought I'd share some of my best Microsoft memories over the next year.

#MicrosoftLife
I started working for Microsoft Consulting Services on Feb 14, 1994(Valentines Day) in Minneapolis. I went onsite with a customer that same day, getting introduced around. I also setup my first "laptop"-a Compaq Portable 386. "Weighs less than 20 pounds!"
old-computers.com/museum/compute…
This was also when the excitement for Windows 95 was just starting. Here's one of first free t-shirts I ever received. For a day or 2 I worked the booth at the Minnesota State Fair, demonstrating Win95 to fair goers.
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Rabia Mehmood - رابعہ
@Rabail26
Put together a list of super smart & interesting Pakistani women for #IWD2018 to show their work. List also includes women of Pak origin or dual nationals. If you have any suggestions of names not on my list @ me. #InternationalWomensDay #PressforProgress
1 @TubaSiddiqi #education rights advocate, also my sister. For years T has been working w/ communities & grassroots activists through @TCFPak & now w/ @AlifAilaan across Pak. She helped TCF raise funds & grow their volunteer network. #IWD2018 #Pakbrilliance #PressforProgress
2 @AymanBucha activist and lecturer, teaches Anthropology, Political & Feminist Theory at BNU. Bucha's write-up on #AsmaJahangir with whom Aimen worked at AGHS. dailytimes.com.pk/211460/asma-ja… #IWD2018 #Pakbrilliance
Read 44 tweets

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