Hair by Theb

2021’ GET STARTED!!! Good infoAs the New Year approaches..... Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of mone...y in interest over the life of the loan. If you must get the 30 year mortgage, verify that there is no prepayment penalty. This gives you the flexibility of paying it off early if you are able. But it also gives you the option of making lower payments when times are tough... When you start your job, get an HSA account and not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!! Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later. Get you an LLC (incorporate your name!!) and run it as an S Corp. Remember Jay-Z quote I’m not a Businessman I’m a Business Maaaaaaaan.... Let that sink in. Build business credit! The loans are bigger and the interest rate is lower. Once your LLC has been established you can then hire your children and pay them an annual salary up to $12,400 which serves a tax break for you and lowers your yearly liability, at that point your children can use their earnings to pay for things like their tuition, school trips and any other activity or upkeep that you were originally going to be financially responsibility for so their needs are met, you're assisting them in establishing a good work ethic but more importantly you're decreasing your taxes and keeping more of your earning in house Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks (one from Trump and one from the SBA). Also no fees. Go to Community College first and transfer into a four year college (unless you have scholarships to help mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the community. Get life insurance for you (whole life) and your children (term) as soon as they are born (one thing is for sure is we will die..might as well leave your kids or family something extra). The sooner you get it, the cheaper it is. And you can borrow against it to fund certain projects. Also, the ones that pay out dividends are the best! They normally are associated with the market (money market accounts). IUL’s are great! Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!). We need to promote financial literacy. Building capital and creating equity to create generational wealth. Having financial freedom is everything! This is not being taught in the school curriculums or our education systems! We must do it ourselves! ***I need 10 people to copy and repost this on their pages and groups and spread financial literacy!

Nice spin on the "The Night Before Christmas"! T'was a month before Christmas, And all through the town, People wore masks, That covered their frown.... The frown had begun Way back in the Spring, When a global pandemic Changed everything. They called it corona, But unlike the beer, It didn’t bring good times, It didn’t bring cheer. Airplanes were grounded, Travel was banned. Borders were closed Across air, sea and land. As the world entered lockdown To flatten the curve, The economy halted, And folks lost their nerve. From March to July We rode the first wave, People stayed home, They tried to behave. When summer emerged The lockdown was lifted. But away from caution, Many folks drifted. Now it’s December And cases are spiking, Wave two has arrived, Much to our disliking. It’s true that this year Has had sadness a plenty, We’ll never forget The year 2020. And just ‘round the corner - The holiday season, But why be merry? Is there even one reason? To decorate the house And put up the tree, Who will see it, No one but me. But outside my window The snow gently falls, And I think to myself, Let’s deck the halls! So, I gather the ribbon, The garland and bows, As I play those old carols, My happiness grows. Christmas is not cancelled And neither is hope. If we lean on each other, I know we can cope (Copy&Paste) See more

Attention ladies Masks and GLOVES are required when you come to your appointment! I have to wear them and you do to. I’ll have some if you don’t but they are MANDATORY !!!! NO SERVICES RENDERED WITHOUT IT!!

Hair Salons are now able to open with caution and distances in place. So I will be taking appointments, one on one basis. Notice : All clients must wear mask . Thank You for your service as we continue to weather this Covid-19.