#jcmi

[everchapter]

La Belleza es el inicio de lo terrible @proyectohembras por Víctor Hugo Pérez y Juan Carlos Macías ——————— #proyectohembras #art #VH #JCMI #victorhugoperez #juancarlosmacias #art #arte https://www.instagram.com/p/BoPrIHqnRDr/?utm_source=ig_tumblr_share&igshid=16syix0t2fsh5

[sashajacob]

Sasha Jacob - 3 Important Financial Management Tips for Students

One of the important aspects that we look after is our finances. But for many reasons, we often lose track of our finances that the result may be overwhelming. Meanwhile, as a student, there is a realization that you may have to take debts is a scary thought. With the rising tuition fees and higher living expenses, some may find themselves buried in debts.

Some might still get financial aid from their parents, but student fees, dorm rentals, and lifestyle expenses are only a few of the additional costs for students to expect. That is why Sasha Jacob, founder, and CEO of Jacob Capital Management Inc., focuses on financial advice that can help students save as early as possible. Set your financial goals now and manage the economic aspects of attending college.

Tips on managing finances as a student by Sasha Jacob

1. Borrow responsibly

First, read the financial aid that your school offers you. Make sure that you differentiate among grants, loans, scholarships, and work-study offers. You can talk to your parents or to those who are contributing to your education. After reviewing the financial aid offer from your school and looking at your family’s expenses, decide which aid you are going to accept to turn down.

Education can involve debt and a structured payment program can help control this and put into context. Plan out the potential debt load and think how it will be paid off in the years after school. Remember that if you get into credit issues as a student, you dig yourself a massive hole very early on your life.

It is also important that you calculate how much you need to borrow in order to afford your education. You don’t need to accept the full amount of loan money that is offered to you. Understanding this concept can leave you less debt in the future.

2.Budget carefully

Budgeting is equal to less stress. Adopt responsible budgeting habits and you will learn planning skills to help manage multiple priorities and prepare for the future. Provide yourself dual opportunities for money saving and time management techniques through healthy budgeting practices.

Seriously break down realistic spending categories and detail what is expected to happen in the eight months of a school year. Even simple line items like school supplies can be thrown off by a year’s worth of unplanned $60 printer cartridges. Sasha Jacob recommends on drawing up a spending plan and figure out how much you expect to spend on rent, utilities, food, entertainment, travel expenses and textbooks.

Budgeting is a great financial foundation and it can be your stepping stone in handling greater financial responsibility which leaves lifelong benefits. Connect with Sasha Jacob on Linkedin for budgeting tips and advice.

3. Repay on time

After you graduate, repayment is the final step of the student loan process and it can last quite long. Reduce your stress by understanding the different repayment plans. Your repayment process can also go a lot more smoothly if you do your research. Understand what is the best for your situation and try to apply it in a timely manner that is something you need to be aware of.

You can use a repayment estimator to help you understand the different repayment plans and decide which is the best one for you. Sometimes you are funded by your parents and a stream of payments comes in and it makes more sense. This can only help in encouraging discipline while ensuring that any mistakes can be learned from. 

Already have a budget plan?

It might not be easy at the start to stick to it especially if you are a beginner. What can help motivate you is the results that you will be getting once you finish your education and be able to pay what you have loaned. These tips from Sasha Jacob Capital Management Inc are guaranteed to help you in managing your finances while you are still attending school to avoid the heavy impact of debts that may affect your life in the future.

[sashajacob]

4 Ways to be Financially Stable for Marriage by Sasha Jacob

Marriage is a great conversation starter, especially among the millennials. It raises interesting views and opinions. Tying the knot may not be as easy as you think, especially if you are from the new generation. It has never been the only option for some couples as a percentage of them choose not be married at all while others want a stable financial future before finally saying "I do."

Sasha Jacob, the CEO of Jacob Capital Management Inc., has some tips to share on how to gain that financial stability before marriage. Being a financial advisor himself, Sasha Jacob says that consulting a financial advisor should be one of the couple's priorities to ensure a secure financial future.

Money problems have become one of the leading cause of arguments and divorce for couples. That is why creating a financial plan, sitting down with financial advisors, and engaging in meaningful money talks will surely save the couple from making wrong decisions in the future.

Sasha Jacob gives four critical financial decisions to make before marriage

1. Assess your financial situation as individuals and as a couple

Taking this first step means that both of you should share your financial story. This financial wellness assessment needs to include important information regarding your current financial situations. For starters, create a net worth statement and review your recent expenses. Later, create a spending plan so you can start projecting where your money should go in the future.

In your financial wellness assessment, you should also discuss and observe one another's attitudes and confidence about money matters. Opt with sitting down with your financial advisor. Share your thoughts and insights and be proactive in creating a financial plan.

2. Create a plan to reduce debts

Eliminating credit card or student loan debt can be a tough job. You don't necessarily have to eliminate your debt, you just have to work on minimizing them and start paying them off. However, it is highly recommended to create a comprehensive plan to do so as quickly as possible before the wedding bells ring. As a result of delayed debt payments, interests could pile up and could potentially double the payments. Bringing the burden of debts into marriage is simply a bad idea. That is why it is critical that the couple should spend some time in understanding each other's current debt obligations. However, instead of simply identifying the source of the problem, the two should focus on establishing a debt reduction plan as quickly as possible.

3. Make some time for a regular assessment

A recent survey shows that approximately 70% of adults have negative thoughts and feelings about discussing money with their partners, even for those in long-term relationships. Exposing your financial circumstances prior to marriage requires a good amount of faithful and honest communication.

This can be discussed with or without a financial advisor. However, if the assessment did not seem to help, letting a financial advisor like Sasha Jacob join in is simply much better. You may also go beyond the assessment and take a look at your credit reports together. This process is not made or suggested so you can dwell on each other's past although it does reflect the past. Try to look at is as a guide for your future financial decisions as a couple.

4. Make that regular money talks less boring and judgmental

Making money talks regular will definitely help you keep track of all your finances. It will also help you boost your trust for one another and decreases the chances of making your partner your biggest financial enemy. You can start by listing down things you might want to discuss. For instance, keeping each other updated with significant expenses means that you two trust each other. Also, respect your partner. If he reveals a large cut on his finances, don't jump into conclusions and simply ask for an explanation.

You also need to share your insights on whether or not you think some expenses are necessary. Voicing out your opinion may not be easy, but speaking out is the only way to get some problems resolved.

Lastly, make sure that you finally decide how your finances should be managed as a couple. Sasha Jacob suggests to get things straight before committing yourselves into marriage. Of course, it all becomes easier with the help of a financial advisor like Sasha Jacob Capital Management Inc. In reality, money does affects every relationship. And by not taking it seriously, you could potentially hurt your marriage. With your future lifelong partner, the process is actually easy contrary to one might think.

[dammitjameskirk]

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