Teaching Millionaires

Here's an overview of how to fill out a 457 retirement plan application for New York State. Enjoy!

So here are the sites and resources to help:

👇

1) Link to Part 1 "457 Retirement Plan EXPLAINED" - https://richsmithedu.com/457-retirement-plan-explained

2) New York State 457 Website - https://www.nysdcp.com

3) 457(b) Vendor Search Tool - https://403bwise.org/education/vendor-search-tool

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Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/best-retirement-plan-how-to-fill-out-457-application 

Here's an overview of how using fractional shares of stock can help you buy portions of large companies such as Amazon AMZN, Apple AAPL, Tesla TSLA, and Google GOOGL - and how fractional shares can help diversify your entire investment portfolio. Enjoy!

So here are the sites and resources to help with fractional shares:

👇

1) M1 Finance $10 Free when you fund your account - https://bit.ly/2I1QEng

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Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/should-you-buy-amazon-stock 

Here's how to fill out a business credit card application for American Express. This step by step walk-through explains how sole proprietors, the self employed, independent contractors, and gig workers can apply for the Blue Business Plus credit card from American Express in order to help grow their business. Enjoy!

So here is the link to the American Express Blue Business Plus credit card application: 👇 https://teachingmillionaires.com/recommends/amex-blue-business-plus 

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Rich Smith's official website: https://teachingmillionaires.com 

Blog Post & Video: https://teachingmillionaires.com/how-to-fill-out-a-business-credit-card-application-for-american-express 

Here's how you can improve your credit score - and a breakdown of how to dispute errors on your credit report, how Experian Boost works, and information on credit card piggybacking also known as tradelines. Enjoy!

So here are the sites and resources to help improve your credit score: 👇 1) FREE Credit Reports Authorized by Federal Law - https://www.annualcreditreport.com 

2) Directions for Disputing Errors on Credit Report - https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports 

3) Sample Letter for Disputing Errors on Credit Report (sign up to access a copy of the letter) - https://bit.ly/3hszED2 

4) Experian Boost - https://www.experian.com/consumer-products/score-boost.html 

5) Credit Piggybacking & Tradeline Companies:

👉 Superior Tradelines - https://bit.ly/2OLkJau    👉 Tradeline Supply Company - https://bit.ly/3fcw6Un 

*Be sure to ask the questions below when exploring tradeline services. The answer to ALL questions should be YES:

💡 Are you bonded? 💡 Do you escrow payments? 💡 Do you have a refund policy?

I really appreciate everyone who hits Subscribe and leaves a Comment on one of my videos.

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Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/how-you-can-improve-your-credit-score 

Here's how to pay yourself a PPP Loan, if you’re self employed. Enjoy!

So here are the sites and resources to help pay yourself a PPP Loan: 👇 1) CIT Bank High Interest Savings Builder Account - https://bit.ly/35pGTql 

2) Rich's PPP Loan Calculator for Self Employed (sign up to access a copy of the spreadsheet) - https://bit.ly/2SDWbmi 

Finally, keep in mind that you must apply for loan forgiveness - it is not automatic. It's a good idea to create a new bank account using the links above to keep your financial records clean when applying for PPP loan forgiveness.

SUBSCRIBE HERE 👇 https://www.youtube.com/channel/UCLQhG0U7kfHPPC4JMeETLig?sub_confirmation=1 

Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/how-to-pay-yourself-ppp-loan-self-employed 

Here's an overview of the 457 retirement plan - and how it can help employees of state and local governmental agencies such as teachers, police officers, and firefighters save and invest for retirement. Enjoy!

So here are the sites and resources to help with your 457 retirement plan: 👇 1) 403bwise website - https://403bwise.org 

2) Link to Video for Part 2 on "How to Sign up for a 457 Plan" - https://youtu.be/JUpZ3PZqSgk 

3) Schedule a One-on-One Consult Call with Rich Smith - https://bit.ly/richsmth 

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Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/457-retirement-plan-explained 

Here are the BEST index funds. Enjoy!

So these are my BEST Index Funds (from Vanguard): 👇 1) Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) - https://investor.vanguard.com/mutual-funds/profile/VTSAX 

2) Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) - https://investor.vanguard.com/mutual-funds/profile/VTIAX 

3) Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) - https://investor.vanguard.com/mutual-funds/profile/overview/vbtlx 

4) Vanguard High Dividend Yield Index Fund Admiral Shares (VHYAX) - https://investor.vanguard.com/mutual-funds/profile/VHYAX 

Finally, keep in mind that ETF versions of these funds are available, and companies like Fidelity, Charles Schwab, T. Rowe Price all have their own versions of these types of funds as well.

Here's a link to example “three-fund portfolios” from each of these other companies: https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style 

If you want to learn more about index funds and investing, here are a couple of fantastic books on the subject:

Millionaire Teacher: https://amzn.to/2TEPUaz 

The Simple Path to Wealth: https://amzn.to/36Bbh1C 

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Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/best-index-funds 

Here's how to get a forgivable loan, if you’re self employed, through the Paycheck Protection Program - also known as the PPP. Enjoy!

So here are the sites and resources to help with your PPP loan: 👇 1) Self Employed PPP Loan Amount Calculator (sign up to access a copy of the spreadsheet) - https://bit.ly/2SDWbmi 

2) CIT Bank High Interest Savings Builder Account - https://bit.ly/35pGTql  

3) Discover Bank Online Savings Account - https://discvr.co/2WuDwdK 

4) List of PPP Loan Lenders - https://bit.ly/3fsSwBq 

Finally, keep in mind that you must apply for loan forgiveness eight weeks after the money is deposited into your account. It's a good idea to create a new bank account using the links above to keep your financial records clean when applying for PPP loan forgiveness.

SUBSCRIBE HERE 👇 https://www.youtube.com/channel/UCLQhG0U7kfHPPC4JMeETLig?sub_confirmation=1 

Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/how-to-pay-yourself-ppp-money

Here's an invitation to join me in an experiment - Yotta Savings vs CIT Bank - to see if Yotta's gamified savings account can outperform CIT's high interest savings account. Oh yeah, there's a surprise involving Vanguard towards the end of the video. Enjoy!

So here are the sites and resources to help our experiment: 👇 1) Yotta Savings - Get 100 tickets when you sign up with code RICH123 - https://bit.ly/30IiU4M 

2) CIT Bank High Interest Savings Builder Account - https://bit.ly/35pGTql 

3) Vanguard Short-Term Bond ETF - https://investor.vanguard.com/etf/profile/BSV 

I really appreciate everyone who hits Subscribe and leaves a Comment on one of my videos.

SUBSCRIBE HERE 👇 https://www.youtube.com/channel/UCLQhG0U7kfHPPC4JMeETLig?sub_confirmation=1 

Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Podcast: https://richsmithedu.com/is-yotta-savings-the-best-savings-account

Here's my journey from 0 to 8,000 subscribers during my first 3 months on YouTube - and a breakdown of my analytics including how much money small Youtubers make. Enjoy!

Here are the resources I mention: 👇 1) My YouTube Studio Equipment: ○ CAMERA - https://amzn.to/3dHpI6o  ○ SD CARD - https://amzn.to/2NF2Nhl  ○ MICROPHONE - https://amzn.to/3dKFZXW  ○ TRIPOD - https://amzn.to/2CL64cG  ○ STUDIO LIGHTING - https://amzn.to/2NGsYUQ  ○ RING LIGHT - https://amzn.to/2AjPa4g  ○ DESK LIGHT - https://amzn.to/2BQ1WYF  ○ COLOR CHANGING LIGHT w/ REMOTE - https://amzn.to/2CWfYZn  ○ HEADPHONES - https://amzn.to/3g99lB1  ○ CAMERA POWER ADAPTER - https://amzn.to/3dN3WOq  ○ EXTERNAL HARD DRIVE - https://amzn.to/2VuRgWg   ○ USB HUB - https://amzn.to/3i8fTBT  ○ TINY TELEPROMPTER - https://amzn.to/3dLFf59  ○ TubeBuddy - https://bit.ly/2CuedSH 

2) Adam Kreutinger's YouTube Channel - https://www.youtube.com/channel/UCJJ8gXdnTFLLHzRnWxIIaSA 

SUBSCRIBE HERE 👇https://www.youtube.com/channel/UCLQhG0U7kfHPPC4JMeETLig?sub_confirmation=1 

Rich Smith's official website: https://RichSmithEDU.com 

Blog Post & Video: https://richsmithedu.com/how-much-do-small-youtubers-make