Cash Myth Collapse
FINANCIAL TRUTHS THAT BEAT BAD ADVICE
Not all financial advice is created equal. In fact, much of it can be deceptive at best and devastating at worst. Last summer, NASDAQ.com reported that nearly 60% of Americans had made poor economic decisions based on false or misleading online information. Considering that anyone with a video recorder and a YouTube account can claim to be an “expert” these days, more than a few of the “reels,” posts, and advice articles you may encounter in cyberspace carry little to no weight in the real world. That said, here are two bona fide financial truths you can take to the bank (literally). You can bounce back from bad credit. Although a teacher may have cautioned you about your “permanent record” in school, no such thing really exists … even with credit. Yes, habitually late or missed credit card payments will lead to negative reports to credit bureaus (which can stay there for seven years), but damaged scores can be improved over time. Naturally, making payments on time is the best way to rebuild credit. Additionally, working with a reputable, non- predatory debt-relief service or lawyer may expedite the process. Whether your credit deficiency is due to unexpected life circumstances or financial mismanagement, your current situation is not permanent, and it can be overcome with patience, diligence, and devising (and sticking to) a solid plan to turn things around. Your income has little to do with your financial security. Here’s a fun fact: Despite earning an average annual income of around $60,000, teachers often rank among the top American professionals who retire as millionaires without the benefit of an inheritance. Research shows that prudent financial planning and investment management have more influence over an individual’s prosperity than the figure on their paychecks. Just as there are economically secure people earning five figures a year, there are just as many (if not more) multimillionaires who lose it all through poor decision-making and a disregard for sound money management. It’s not how much you have when you start the race that matters; it’s how much you have when you cross the finish line that makes you the winner.
TAKE A BREAK
SIZZLING CHINESE
DIRECTIONS 1. In a medium bowl, whisk together soy sauce, oyster sauce, ginger, garlic, and sesame oil. 2. Toss beef strips in marinade; let sit 10–15 minutes. 3. In a skillet over medium heat, heat 1 tbsp vegetable oil, then add sliced onions. 4. Sauté until soft, slightly caramelized; season with salt and pepper, remove from pan, and set aside. 5. In the same skillet, heat 2 tbsp vegetable oil over high heat. 6. Add marinated beef strips; stir-fry for 2–3 minutes until browned. 7. In a small bowl, whisk together soy sauce, hoisin sauce, rice vinegar, and cornstarch. 8. Pour sauce over beef and simmer until thickened. 9. Add sautéed onions back into pan; stir to combine. 10. Serve hot over steamed rice or noodles.
PEPPER STEAK WITH ONIONS
INGREDIENTS Steak • 1 tbsp soy sauce
• 1 tbsp oyster sauce • 1 tbsp grated fresh ginger • 2 cloves garlic, minced • 1 tsp sesame oil • 1 lb beef strips (sirloin or rib eye) • 3 tbsp vegetable oil, separated • 1 large onion, sliced • Salt and pepper, to taste • Steamed rice or noodles Sauce • 2 tbsp soy sauce • 2 tbsp hoisin sauce • 2 tbsp rice vinegar • 1 tbsp cornstarch
Inspired by CookTune.com
PATRIOT WEALTH | 919.322.4113 | P3
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