Chui Agencies

Money Monday Buy a house and get a 15 year fixed mortgage rather than a 30 year mortgage. Saves a lot of money in interest over the life of the loan. If you must get the 30 year mortgage verify no prepayment penalty. This gives you the flexibility of paying off early if you are able. But also gives the option of making lower payments when times are tough.... When you start your job, get an HSA account not FSA and get the high deductible health insurance. It will lower your ta...x 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. 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 Jr. College first and transfer into a four-year college (unless you have scholarships to 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 black community. Get with your peers from your graduating class and others together at homecoming on one day for two hours to plot and strategize how we can move our communities forward (commerce, politics, education, etc...) If you want to support Black People, support Black Business and Black Institutions of higher education. Get life insurance (term and whole life) for you and your children as soon as they are born (one thing is for sure is we will die...might as well leave your kids 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 homeowners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!).

This is so true. What a valuable lesson!

Every Human Being Needs To See This

Mark your calendars! TOMORROW, September 15th is Career Night at American Income Life. It's time to learn how you can leave a #Legacy!

#AILCareerNight is only a few days away! The time to create your legacy is now. Will you be joining us this Saturday, September 15th?

Check out these steps to preventing a stroke. #BeEducated http://www.stroke.org/understand-stroke/preventing-stroke

Are you searching for a career that offers you unlimited potential? Join us next Saturday, September 15th for #AILCareerNight. Your next opportunity awaits you!

Do you like what you do or do you love it? Join us on September 15th for #AILCareerNight and see where a career with us can take you!

There are more than 100 types of cancer. Learn more about cancer types at https://www.cancer.gov/types.

Recovering from a stroke can feel lonely. Check out a local support group and talk to others who've been there too. http://portal.stroke.org/a_supportgroupsearch_new

According to the Mayo Clinic, coronary artery disease develops when the major blood vessels that supply your heart with blood, oxygen and nutrients (coronary arteries) become damaged or diseased. Learn more about its symptoms, causes, and risk factors at https://www.mayoclinic.org//c/symptoms-causes/syc-20350613.

Many people with high blood pressure don't even know they have it. It develops slowly over time and has no obvious symptoms. Its important to know your numbers and recognize your risks. Learn more about high blood pressure at https://www.heart.org//why-high-blood-pressure-is-a-silent.