Apple Stocks? What does it mean?

Hey guys I know its been a while since my last post, but I thought this would be a good time to give you an update on Apple, myself, and even some friendly investment advice, so keep reading!

I’m sure many of you have seen in the news how Apple stocks have recently tanked, and yes I sold all of my shares just before the big drop happened, simply because I knew it was coming.

Well the reason it happened was because Apple has been a bit low on sales, and in this recent quarter report I believe they were roughly around 18% below where they were expected to be. Many share holders saw this coming and knew they wanted to take their money out before it was too late. I personally think Apple will continue this downtrend for a while, eventually it will be a good time to buy back in but it won’t be anytime soon.

If you’re reading this and don’t know much about stocks or even personal investment I think you should listen carefully. You should control your own life and your own wealth. Life is a continuous learning process, you make yourself become whatever you decide to put in. I honestly believe if you pick up as many books about stocks as you can, and learn, you can invest your own money. You will  make a lot more than just leaving it in a standard “savings account” or a “retirement fund.” I wouldn’t want anyone else being in control of my future, and if you’re really interested then shoot me an email and we can talk about it and I can show you the right path to follow.

Otherwise I do believe it will be a while before Apple bounces back, but I don’t doubt the company at all, it’s just how the market goes sometimes.

What do you think? Do you think Apple will make it back to the top or not?

Feel free to comment below or shoot me an email at simpletechlifeblog@gmail.com

Bathroom Remodel made simple!

As you may have noticed from some of my previous posts I like to talk about Finances and Home Improvement and not just Technology all the time. I believe it’s the best for me to share all my advice on a variety of topics so that you can learn more! So enough talk about me, why don’t we just jump into the project.

The reason I wanted to redo my bathroom a little was because I just didn’t want it to look so plain, I wanted it to be classy and give it a much more of a professional tone. I mean just take a look below:

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It looks so ordinary. The white sink, with a eggshell type vanity top, and the ancient faucet. I figured it was time for an upgrade so my first task was to replace the vanity top, and when doing any sort of work I decided to go to my local Menards and see what I could find. Fortunately for me I lucked out on a sale!

1. Choose a Vanity Top

They had two different granite types, the Golden Delight, and the Tan Brown, and with some helpful advice I decided to go with the Tan Brown dimensions being 37×22. I paid roughly $160.00 for the piece and it was an absolute steal, primarily because it included the sink and it was ready for install right out of the box.

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I definitely think anyone looking to do this try and find some options at their local Menards, Lowes or even Home Depot, because you will save a lot of money. Also make sure to pick out a new faucet and that it is something you really like.  After picking out the new vanity top and faucet brings along my favorite part…

2. DEMO TIME!

This is by far one of my favorite parts, there is nothing more fun than some demolition. First things first, make sure to turn off the water to your sink and have a bucket ready when you unhook the hoses. Last thing you need is to have water spraying around everywhere uncontrollably! After that undo the hoses, plumbing, and unscrew any screws that may be hooked up to the vanity top and or sink.

Now listen carefully. Your vanity top is most likely silicone or caulked and it won’t just come off very easily. I recommend very carefully cutting through the silicone/ calk to release some of that tension. Then pull up on the top and cut around any material holding it down. You have to be very careful with this, otherwise you will have to do some serious patching of wall chunks that were accidentally ripped out.

After it all, it should look like this, all nice and ripped out!

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3. Tedious Repair and Repaint

Now comes the part you do not want to rush. You need to be very careful and very tedious. This is where you repair the wall and make it as ordinary as possible. The key is to make it look like nothing ever happened. That’s exactly what I did.

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All you really need is some Spackle Repair, Spatula, and some sandpaper. Clean up any holes, rough spots or uneven spots, wait for it to dry, and then sand it down to be nice and even. All you have left is to paint the wall. After letting it dry it’ll be time to put on the new vanity top!

 

4. Time for the New Top

After everything has dried, it’s time to put on the new granite vanity top. Make sure to have a caulk gun, and some clear silicone. You’re going to want to put silicone done on all the edges of the vanity, and then put the vanity top down. After that, you’ll also want to silicone the back of the small backsplash piece and put that down on the main piece.To finish it off, silicone the edges along the wall and sides, this way it gives it a clean look and also prevents water ever getting to the wall. It should look like this:

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5. Hook Everything Up

You are almost there, not much left to do besides hook up the new faucet and plumbing. It is important to have some plumbing tape when you are hooking up the pipes and faucet, this just helps prevent from any sort of leaking. Other than that, the instructions that came with your faucet should be enough to help you set that up. After all that it’s time to turn the water on, clean up and look at your finish product!

My turned out fantastic and a greater improvement than what I had before, wouldn’t you say so?

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If you have any questions or need help with anything, feel free to comment below or email me at simpletechlifeblog@gmail.com. Also don’t forget to subscribe for the latest news and advice on Technology, Home Improvement and Finances!

When did you get a credit card?

I bet most of you understand the concept of a credit card and how it works. You swipe it at a store and there is no need for cash. But do you understand how to not get hit with interest rates? or how to build up your FICO score? I think it’s important that everyone understand when the best time to get a credit card and how to use it wisely especially teenagers who never got the chance to learn this.

The first major concept you have to understand with credit cards is to not buy anything you cannot pay for immediately. NEVER buy something that is $500 when you only have $150 dollars in your bank account. This is how you’ll get hit with those 16-20% interest rates and this is how people get into some serious credit card debt. It is important you know that paying a minimum payment every month while your balance keeps increasing will will lead to credit card debt.

The next think you need to grasp a hold of is getting a credit card early! I personally believe it is important to start building a credit right away, that’s why I got my first Discover Credit It Student Card when I was 18. I mean sure they only give you $500 limit, but if you pay your bills each month that will start to go up and so will your FICO Score. So you may still be wondering what this “FICO Score” may be and how it works so let me break it down for you.

There are 5 Important Factors that play into your FICO Score:

  • Amounts Owed (30%)
  • Payment History (35%)
  • Credit History (15%)
  • New Credit (10%)
  • Types of Credit (10%)

realestate.calebblock.net

Image obtained from realestate.calebblock.net

And depending on all this factors you’ll eventually get a credit score between 300 and 850. What you want to strive for is that 850 or to at least be between that 720-850 range.

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It is important to have a good built up credit so later in life you are able to get those good loans for a house or a car without heavy interest rates, other wise you won’t even have the chance to do so. I recommend that all parents or even young teenagers get a credit card and start building their credit up EARLY! It will definitely save you in the long run.

I personally recommend starting with the Discover It Student Card for those of you going off to college or parents looking into cards for teens. It’s a perfect card to get started with and earn Cashback on gas, online purchases and many more wonderful perks.

CreditCardMagz.com

Image obtained from CreditCardMagz.com

Now some questions for you:

When did you get your first credit card?

How many credit cards do you have?

Which one offers you the best rewards?

 

I hope now you have a better understanding of credit cards and how important it is to start building a credit early. If you have any questions please feel free to email me at simpletechlifeblog@gmail.com.