ThatGuyFrom89

Hi and welcome back. In this post I'll give you some pratical tips when it comes to saving money. Even if you apply just a couple of them, you should have some extra cash at the end of the month. Usually, we all want to have more, when it comes to money. And, to be fair, it's quite normal. However, when it comes to saving some cash, some people tend to think the following way: " I earn X - how much can I save, given all my expenses ?!". Look, in some cases, I agree that there isn't much that can be done; sometimes you just don't have enough and you can't spare a dime. I empathize with this because I WAS in this situation not so long ago. Sometimes all you can do is try like crazy to increase your income, either by a raise, either by having a second job or any other side hustle. If that's you, I salute you and I wish you the best of luck! Now, coming back to the topic of the post, there are quite a few ways that you can save some money. It all starts wi...

As the title says, let's take a closer look at investing in the stock market. If you are considering this option I am fairly sure that you came across multiple articles or videos from people telling you to buy this, buy that, do this, do that etc. when it comes to stock market investments. Also, a lot of people advertise their content with a combination of the two magic words: "get rich". For example, "Buy XCoin and get rich by next month" or "A simple worker got rich with YCoin". That's why the following meme is so popular 😁 Everybody has their own opinion when it comes to investing. That's why it's very important for YOU to do your own research BEFORE you invest a single dollar. Seriously ... it's ok to listen to other people's thoughts, but in the end, make sure YOU are deciding what you invest your money into. " Wait a minute - you have the word "rich" in your title too ... very suspicious! " Yeah, but I...

 In this post I'm going to present what are, in my opinion, as a certified gym rat 😃, the most dangerous gym exercises. This doesn't mean that you shouldn't do them; it means you must really, and I mean REALLY, know the proper technique before attempting to perform them with a weight that is medium or above.  While proper technique is crucial for any exercise, you can get away with some small execution mistakes at most exercises. For example, when you do a bicep curl and you cheat by gently rocking forward or when you involve the front delt into the movement - you will not get injured; you will however diminish the amount of work the biceps is supposed to be doing.   However, with the following exercises, bad technique is almost a guaranteed injury (immediate or that will show in time). So, please be very careful and FOCUS on each rep and set that you execute. Starting with what I consider to be the most dangerous of all gym exercises ...  The deadlift When I w...

 Welcome back.  In this post I'll go over my "Push" exercises. In the first post of the "My training program" series, that you can read here , I talked about my "Pull" workout. Part three will be about the "Legs" routine, which, to be fair, in my case is more of a mix of exercises. In any case, let's not waste any time and jump into today's topic, the "Push" workout that I do. As always, the very first thing I do is a thorough warm-up, which usually takes a few minutes. When that's done the actual workout begins. The first exercise is a superset: triceps rope extensions and push-ups (if you have some push-up handles, that's great - use them; if not, regular pushups will do). I do 4 sets, with a weight increase for the triceps rope extensions after set 2.  For example, yo do set 1 & 2 with 10 kg and set 3 & 4 with 15 kg.  In terms of reps I aim for 12-12 12-12 10-12 10-12 - first number is for the triceps ex...

In this post I'll go over what I consider to be the last passive investment option - real estate. If you didn't already, check out part 3 of this series, linked  here , for my thoughts on other passive investments and an overall view on investments.  I'll also talk a little about active investments - stocks and other options such as cryptocurrencies. Why a little bit and not dive deep into details? Well, because I am personally not an active investor. I preffer the passive way of investing because it has less risk associated (granted, with less risk come less profits, but I'm ok with that 😄). That being said, let's start with real estate.  There are multiple ways that you can invest into real estate, depending on the amount of money you have at your disposal. You could do one of the following things: Buy a property, with cash , and rent it out (or multiple properties); Buy a property, with a bank loan , and rent it out (or multiple properties); Buy a property that ...

When it comes to investing, there are many options that you can choose from. However, please keep in mind that whenever you are investing, your money is at risk . As I stated in the previous post , your money is never 100% guaranteed to make a profit, regardless of your investment choice. Before moving any further, I would like to remind you that I am not a financial analyst, I am not telling you what to invest in, and, you should always do your own extensive research when investing. I am only presenting to you my view on investing. As I said above there are multiple ways of investing, depending on your risk tolerance levels. Let's quickly enumerate the most common ways of investing and give them a risk level (again, this is just my opinion on the matter). Investing in state/government bonds - risk level: very low; Investing in indices - risk level: low to medium ( depending on the index you choose! ); Investing in a particular company - risk level: medium to high ( depending on ...

Before going into part 2, let's summarize quickly what I wrote in part 1 of this series; if you have some extra money at the end of the month, I argue that the first priority is health - yours and that of your loved ones. If you're all good in this department, the second best thing that you can invest in is an emergency fund.  " What do I do if I have other debt, except mortage/rent? Should I still direct the extra money to the emergency fund or should I pay back the debt quicker? " That's a very good question. Here's my take on this scenario. If this other debt has a relative small interest rate (e.g. APR - annual percentage rate - of around 5%) I'd argue that you should allocate some of your extra monthly money to your emergency fund and some to repaying your debt faster. Something like a 50% towards the emergency fund and 50% to repaying the debt. However, please consider that nobody can give you an exact percentage of the ideal distribution in this sce...