Thrive Well --- A fresh take on longevity, education and community.

Yesterday, I visited my Bank. Bank of America, I thought I had a new savings opportunity that the teller mentioned to me the week before. We were both wrong. Instead, I was gifted with the opportunity to learn about CDs. Certificate Deposits are best used when someone has a lump sum of cash that they don't want to be able to access for a period of time, in return for a sure return . The rate that I was offered was about 1.6% on the amount required (CDs can require $500-$250,000). The more you have the better your guaranteed return. Unlike stock markets you don't have to worry about the fluctuations in the market. Yes, the extremely gifted and talented can 4/10 times assure themselves a better return that says 1% but what I've learned is that passive safe returns can allow the individual to put their focus elsewhere while growing their base wealth.  I would recommend educating yourself more on Certificate deposits. Instead of having savings account that you slowly de...

Through my own life experiences I've come to realize that a person's Paradigm has everything to do with the outcome of their future. Lets first gain an understanding of what a paradigm is. A person's paradigm is the lense that they see the world through.  Imagine if my name was Sam. I've been condition to believe that everyone with big ears were mean, greedy and decieving people. Not only do people that fit this description standout to you now because our Reticular activating system will spot them and place the appropriate stigma on them. In effect as soon as Sam see's someone with big ears, my engery towards them shifts to a state of defense. Maybe, I'm insecure of expressing myself, so I speak less or maybe I speak with a lower tone or in a way that isn't true to my nature. Many times we don't even notice it or better yet we hope the other person doesn't notice it. The truth is everyone notices and feels your energy when encountering you. Thi...

In America, one of the surest ways to build wealth is through homeownership. You may have heard that more millionaires are created by owning real estate than in any other investment vehicle. Here's why. Correlation between Wealth and Homeownership - People who have a steady job (2 years of employment) and at least a credit score of at least  660  (credit programs may vary from time to time) would be eligible for the benefits of homeownership which are: a.) A mortgage which provides financial stability for a family. For example, when a downturn happens in the economy jobs are a loss. Those who own their homes are more likely to be able to use their homes to weather the financial storm. Ex.) A car breaks down, a family medical problem occurs or you want to send your kids to college (potentially saving them hundreds of thousands of dollars). b.) Homeownership appreciates on an average annually at a rate of 3-5% . In most cases, 20% down in a decent location with...