Miracles Home Improvement

Miracles Trash removal - trailer rent -Trash & junk clean out from houses, basements, garages, yard, construction, remodeling, demolition, roofing, siding, concrete, dirt, and more.. -Offering commercial and residential clean out. Our fleet can handle any job no matter how big or small. We can do the loading and hauling or we can leave one of our trailers and just dump it for you! -Also delivering decorative rock, sand, fill, topsoil, and gravel.... For free estimate please call 609-222-9930 Miracles home improvement

Basement waterproofing systems, french drains, we dry your wet basement, sum pumps, mold remediation, and more... FREE CONSULTATION FINANCING AVAILABLE

MUST READ & SHARE 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. I...f you must get the 30 year mortgage, verify that there is no prepayment penalty. This gives you the flexibility of paying it off early if you are able. But it also gives you the option of making lower payments when times are tough... When you start your job, get an HSA account and not FSA and get the high deductible health insurance. It will lower your tax 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. Or a nonprofit organization. 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 Community College first and transfer into a four year college (unless you have scholarships to help 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, small businesses, real estate, etc...) If you want to support Black People, support Black Business and Black Institutions of Higher Education. Get life insurance for you and your children (term) as soon as they are born (one thing is for sure is we will die..might as well leave your kids or family 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 home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!). We need to promote financial literacy. Building capital and creating equity to create generational wealth. Having financial freedom is everything! This is not being taught in the school curriculums or our education systems! We must do it ourselves! Added: Invest in your retirement. SS is not guaranteed. Start early if your job company matches at minimum invest the same percentage that they match. Learn about your portfolio, make sure your allocations match market conditions. Never lock all of your investments into your companies stock. If it folds, so does your investment. Remember buy low sell high. ***I need 10 people to copy and repost this on their pages and groups and spread financial literacy!