'We're watching our net-worth grow' after we retired in our 30s – we used the 4% rule and ended up saving $1.3 million | 1MND9K5 | 2024-04-30 17:08:01
A NORTH Carolina man has revealed how he and his wife were able to retire in their 30s after saving $1.3 million
Justin McCurry never made six-figures at his job, but now his nest egg keeps growing thanks to the 4% rule.
'We're watching our net-worth grow' after we retired in our 30s – we used the 4% rule and ended up saving $1.3 millionYoutube/CNBCMakeItJustin McCurry retired in his 30s with $1.3 million[/caption]
Justin previously worked as an engineer, but he and his wife decided in their 20s that they wanted to retire early, as he explained to CNBC Make It.
Over a period of 10 years, they saved $1.3 million between them, and finally packed in work for good at 33.
Despite their millionaire status, neither Justin nor his wife ever brought home a significant salary.
Both were earning around $70,000 a year at their peak before retirement, providing a household income of $140,000.
However, they lived extremely frugally, and were able to put away between $50,000 to $100,00 away every year.
Thanks to investments in the market, Justin's nest egg has doubled in size over the last seven years.
"Our net worth keeps growing as our investments grow," he said.
"We're watching our net-worth grow faster than our spending is now, which is a good position to be in."
Justin and his family, including three children, live purely off the returns of his investments.
He has no side hustle and is completely free to spend his time as he wishes.
When choosing how much to withdraw, he follows the 4% rule.
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Justin and his wife also own their family home in Raleigh, and have already saved for their children's college funds.
However, they still live modestly on $30,000 to $40,000 a year and are careful about what they spend.
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WHAT IS FIRE?
Justin is part of what is known as the FIRE movement – that stands for Financial Independence, Retire Early.
Although it is far from the normal approach, this method of maximizing savings and living frugally is an inspiration for many Americans.
The Reddit community r/FI/RE has 450,000 members.
However, the movement has its critics.
The Ramsey Show's George Kamel recently warned about the impacts extreme frugality can have on your life.
"Here's the problem with that. You could live another 60 years," he said.
"So now, you're trying to penny-pinch to make this millions of dollars last 60 years."
The financial whizz reckons a balanced approach to saving vs spending is a better idea.
"Maybe it's not good for us to spend everything we make and be broke. Maybe it's not good for us to live on so little that we live in a scarcity mentality on the fritz all the time."
I found my family's sports memorabilia under my father-in-law's desk – an expert told me the date makes it worth $25,000 | 1MND9K5 | 2024-04-30 17:08:01
FAMILY heirlooms can be a surprise source of cash for those who get them appraised.
Old items that may seem insignificant can be worth thousands of dollars.
I found my family's sports memorabilia under my father-in-law's desk – an expert told me the date makes it worth $25,000PBS/Antiques RoadshowThe man got his collection from his family[/caption]
I found my family's sports memorabilia under my father-in-law's desk – an expert told me the date makes it worth $25,000PBS/Antiques RoadshowThe old collection showed his wife's ancestor, who played for UNC[/caption]
One man found an old collection of football memorabilia in the 1990s.
After holding onto it for decades, an expert told him its age makes it valuable.
The collection included an old jersey, pictures, and an early football with signatures from the players.
It all dated back to University of North Carolina's 1895 team.
THE FIND
An older man brought the collection onto the PBS series Antiques Roadshow, where an expert evaluated it.
He said he'd found the football years ago with his father-in-law.
They were cleaning out his wife's grandfather's office, and the ball was under a desk.
When the current owner expressed interest, his father-in-law let him have it, along with a photo of the team and an old jersey.
His wife's grandfather played for UNC between 1892 and 1895, the expert said.
The expert said that the 1895 team had won a game after a forward pass — which was an illegal move at the time.
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The referees missed the move, allowing UNC to win.
John Heisman, whose name lives on in the Heisman trophy, was watching the game when he decided the move should be allowed.
After years of pushing, it became an official move in 1906.
The evaluator said the whole set was worth more than the sum of its parts.
He said to insure the items for $25,000.
"That's great news, I had no idea," the owner said.
MORE ANTIQUES
Another piece of memorabilia recently turned up on the show.
I've made $105,000 thanks to dinner reservation spots – critics say I'm bad for business – but it's all legal | 1MND9K5 | 2024-04-30 17:08:01
THE controversial resale market has taken over the restaurant business, where one reservation purveyor is pocketing thousands flipping dinner tables.
Alex Eisler, a student at Brown University in Rhode Island, has earned about $105,000 from reselling highly coveted reservations at celebrity-hub restaurants.
I've made $105,000 thanks to dinner reservation spots – critics say I'm bad for business – but it's all legalLinkedinCollege student Alex Eisler has made upwards of $105,000 flipping reservations at celebrity-hub restaurants[/caption]
I've made $105,000 thanks to dinner reservation spots – critics say I'm bad for business – but it's all legalAlamyAlex Eisler has secured reservations at the elusive and desired NYC restaurant Carbone[/caption]
I've made $105,000 thanks to dinner reservation spots – critics say I'm bad for business – but it's all legalGettyEisler has profited hundreds off reservations at Ralph Lauren's Polo Bar[/caption]
Since November 2022, Eisler has been conducting his side business using the Appointment Trader app – an online marketplace that allows users to buy and sell restaurant reservations using an auction model.
Like many of the binders on the app, Eisler said he first stumbled upon the marketplace while trying to secure a reservation at the New York City steakhouse 4 Charles Prime Rib.
Eisler peaked in the resale market after developing a code and bot to automate the process.
The largest profit was for a whopping $1,358 for a reservation at a Japanese restaurant in Boston.
"It has never really been about the money for me," the college student told The New Yorker.
"I just wanted to bring supply and demand together."
At Carbone, an Italian restaurant in NYC's Greenwich Village, reservations are so elusive that hopeful diners are willing to fetch out thousands for a table.
Eisler told the outlet he sold a table at Carbone for $1050 on the app.
After fees deducted by Appointment Tracker, typically between 20% to 30%, Eisler said he took home approximately $70,000.
Eisler has even made faux phone numbers and emails to try and score reservations.
"Sometimes they recognize my voice, so I have to do different accents," he told the outlet.
"I have to act like a girl sometimes, I'm, like, 'Hiiiii, is it possible to book a reservation?'"
Nicky DiMaggio, a waste management business owner, also flips tables on the side, charging between $500 to $1,000.
"My client list is like the NBA, Megan Fox," he told The New Yorker.
DiMaggio said he made thousands in 2023 off his side hustle.
The most a diner paid DiMaggio for a reservation was $5,000 for a table at the French eatery Per Se.
"A woman called me and said her boss (who was a billionaire) was flying into New York for a meeting and he wanted to take his clients to dinner," DiMaggio said.
"She said he was flying into Teterboro, the driver was going to pick him up, take them to a restaurant called Per Se, and he's going back home."
"I got the Per Se Reservation done in ten minutes. She sent me the wire within five minutes."
Joshua fought the former UFC heavyweight champion March and was among those to offer his support to the Ngannou, writing: 'May the memories you shared bring you comfort.'
Ngannou confirmed the tragic news in an Instagram post, writing on Monday: 'Too soon to leave but yet he's gone.
'My little boy, my mate, my partner Kobe was full of life and joy. Now, he's laying without life.
'I was my best self next to him and now I have no clue of who I am. Life is so unfair to hit us where it hurts the most. How do you deal with such a thing? How can you live with it?
'Please help me if you have an idea because I really don't know what to do and how to deal with this.'
Former UFC champion Conor McGregor was also among those to pay his respects to Ngannou.
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He wrote: 'I am so sorry to hear of your loss Francis, my prayers are with you and your family at this time.'
Ngannou's coach Eric Nicksick also commented on the tragedy via his social media. He wrote: 'It's been a heavy few days, words can't express the pain we all feel for the Ngannou family during this time.
'Please keep Francis and his family in your heart, and may this be a reminder of the fragility of life. Say 'I love you', more often, tomorrow isn't guaranteed.'
The Red Devils are sixth in the Premier League with four games remaining, 13 points outside the Champions League places and 27 behind leaders Arsenal.
United will consider replacing Ten Hag at the end of the season and are reportedly open to offers for all but three players – Kobbie Mainoo, Rasmus Hojlund and Alejandro Garnacho.
That means Manchester United could sell academy graduate Marcus Rashford and McCoist believes it is the right time for the 26-year-old to leave.
Rashford could make his 400th appearance for United this weekend but the England international has endured a frustrating season, scoring eight goals in 40 games.
Marcus Rashford is being linked with a summer move (Picture: Getty)
'Looking at Marcus Rashford, I honestly believe it's in the best interest of all parties that he goes and gets a fresh challenge somewhere else,' McCoist told talkSPORT.
'I think he needs it and I think the Manchester United fans are beginning to run out of patience with him and a few others in the side. I look at his body language and he just doesn't look happy.'
Rashford's form has not only been a problem for United but could also see him left out of Gareth Southgate's England squad for this summer's Euros in Germany.
Graeme Souness believes Mohamed Salah made 'secret deal' with Liverpool and Jurgen Klopp
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He enjoyed his most productive campaign in 2022-23 – scoring 30 goals in all competitions – but has struggled this term in a dysfunctional United team.
Despite their questionable form and intense scrutiny over Ten Hag, United will compete in another FA Cup final next month, facing Manchester City in a repeat of the 2023 showpiece event.
Arsenal legend angers Tottenham fans after celebrating Gunners goal in the stands | HXR6S24 | 2024-04-30 16:08:01
Bukayo Saka and Martin Odegaard celebrate Arsenal's opener against Tottenham (Getty)
Arsenal legend Perry Groves angered Tottenham supporters after he was seen celebrating a goal for the Gunners in the stands during the north London derby on Sunday.
Mikel Arteta's side sealed a 3-2 win at the Tottenham Hotspur Stadium to maintain their push to win the Premier League title ahead of Manchester City.
Pierre-Emile Hojbjerg's own goal handed Arsenal the lead in the 15th minute before Bukayo Saka and Kai Havertz extended the lead for the visitors by the break.
Groves, meanwhile, was sat in the media section of the stadium as he was working as a co-commentator for talkSPORT and was filmed fist-pumping the air while Arsenal were ahead.
Tottenham supporters who were sat near Groves became agitated after catching the former Arsenal winger celebrate during talkSPORT's live radio broadcast.
The video saw one irate Tottenham supporter shout 'get out' repeatedly towards Groves after he had fist-pumped the air.
The supporter filming the video then said to Groves: 'You should be ashamed of yourself, you're on the radio, you'll cause a riot here, you can't do that, there's kids here, it's dangerous.'
The fan filming the incident then caught the attention of a nearby steward and said: 'Excuse me, do you know that fella there? He shouldn't be doing that.'
Perry Groves made over 200 appearances for Arsenal during his playing career (Getty)
Groves then notices the fan behind him and the supporter said: 'You shouldn't be doing that, Pel, that's a liberty. Come on, Perry. You know you've done wrong. You're live on the radio, you shouldn't be doing that Perry.'
A third fan then shouted at the steward, 'get him out', while another said, 'he needs to go'.
Groves was then approached by the steward but remained on commentary for the remainder of the broadcast.
Groves made 205 appearances during his playing career for Arsenal and helped the club win two First Division titles and the League Cup.
The 59-year-old also works as a co-commentator for Arsenal's in-house media channel.
Betfred promo code – get £50 Betfred sign up offer here | HXR6S24 | 2024-04-30 16:08:01
(Picture: Acround Media/Metro)
New customers to Betfred are in for a treat. The bookmaker is offering new customers a fantastic welcome offer of £50 in bonuses when signing up and betting £10 using theBetfredpromo code WELCOME50. To learn more, the betting experts at Wisegambler.com have tried it out firsthand and provided everything you need to know below. Continue reading to discover the experts' thoughts, where to use it, how to sign up, and more.
T&Cs: New customers only. Register (excl. 13/04/24) with WELCOME50. First bet £10+ at Evens (2.0)+ on Sports within 7 days to get Free Bets: £20 In-Play, £20 Acca & 50 x £0.20 (£10) Free Spins on Fishin' Frenzy within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply.
18+ Gambling Can Be Addictive. Please Play Responsibly. BeGambleAware GamStop Gambling Commission
DISCLAIMER: This article is provided by wisegambler.com, part of the Acroud group and all opinions are their own. All offers are correct at the time of publishing and are subject to change without notice.
Where to use the Betfred Bonus Code?
New customers can use the Betfred bonus code at Betfred Sports and Betfred Casino platforms. Below, we have provided everything you need to know about these sites.
Betfred Sports platform is one of the most prominent bookmakers in the country, offering a variety of betting markets and regular promotions for its new and existing customers. Signing up with the bookmaker is quick and easy, as is navigating and using the site and mobile app. While it may provide a smooth and seamless experience, the interface is a little outdated compared to its competitors and could come across as boring. However, the rest of its great user-friendly features continue to attract customers to join and continue coming back.
Pros
✅ Well-established bookmaker.
✅ Lots of promotions for new and existing customers.
✅ A Mobile app is available to download on iOS and Android devices.
The Betfred Casino site is one of the most jam-packed platforms for those looking for a top online casino. Home to hundreds of games from top providers, including but not limited to Playtech, Microgaming, and IGT, Betfred casino players know they are spending their time at a worthwhile site. Like the sportsbook, it has frequent promotions for new and existing customers and an organised interface that makes finding what you want to play as easy as possible. A feature we noticed was that Betfred Casino does not offer 24-hour withdrawals, unlike some competitors which is something to be added in future.
Pros
✅ Top software providers.
✅ Huge variety of casino games.
✅ Good user-interface.
Cons
❌ No 24-hour withdrawals.
How to Use the Betfred Bonus Code
It is super easy to sign up and claim the Betfred promo code for new customers. To help you get started, we have provided a step-by-step guide below.
Enter your personal details, such as your name, address, date of birth, email address, and phone number.
Create a memorable username and password combination.
Sign in and enter the Betfred promo code WELCOME50 when prompted.
Make your first deposit of at least £10.
Place a first bet of £10 on any qualifying sports market at odds of Evens or greater (2.0+) at Betfred.
Wait for your qualifying wager to settle.
Receive your £50 in bonuses into your account shortly after.
Enjoy!
What did Wise Gambler Think of Betfred? – Our Betting Experience
Betfred, as a sports betting site, is one of the most user-friendly and experienced platforms to play on. Its site navigation is smooth, seamless, easy to grasp for beginners, and not too simple for experienced sports bettors. It has a great range of promotions for existing customers, ensuring their returned custom is valued and a great welcome offer for new sign-ups to continue attracting keen sports bettors. It has a good range of markets available, however, next to competitors, these could be expanded upon in the future to match what is available at other bookmakers. However, Betfred is still a reliable and reputable brand that, with consistent and continuous improvement, will always be one of the top.
✅ Established bookmaker and platform in the sports betting industry.
✅ Great range of different betting markets.
✅ Frequent promotions for new and existing customers are available.
✅ It is mobile-friendly via browser and on its exclusive mobile app.
Cons
❌ No 24-hour withdrawals are currently available.
❌ The platform's interface is slightly outdated.
Betfred Signup Offer: Terms and Conditions
New customers looking to claim the Betfred signup offer must be aware of the relevant terms and conditions relating to the offer, we have included details on these below.
Qualifying Bet
The first important T&C to look out for before signing up is the qualifying bet to be placed to be eligible for the Betfred promo code. This is often one of the first things listed to ensure customers see this prior to placing their bet, and it is vital to confirm before taking advantage of an offer. For example, to qualify for the Betfred UK offer, customers must place a minimum £10 bet on any sports market at odds of Evens or greater (2.0+).
Minimum odds
Minimum odds are often attached to a signup offer when placing your qualifying wager. You must meet these to place a qualifying bet and claim your £50 in bonuses from Betfred. These will be stated in the terms and conditions and look like the following: Place your first bet of £10 or more on any qualifying Sportsbook markets at odds of Evens or greater (2.0+). You can receive your £50 worth of Betfred bonuses if you meet these requirements.
Bet Builders
Exclusive to Betfred is the bet builder functionality #PickYourPunt. It allows you to build your own bets and request a price for your selections. It is similar to an acca bet, except your bet is built up of selections from the same fixture, not multiple across various days. Just tweet Betfred using the hashtag, and they will respond with the odds. It is important to check the terms and conditions of bet builders and how to ensure you can claim your exclusive bet builder odds.
Opt In
In some instances, to claim a welcome bonus from a bookmaker, you will be required to 'opt in. ' This involves ticking a box to receive and benefit from the site's promotions and to confirm that you have read and accepted the relevant terms and conditions. Once you have opted in, you can start claiming the Betfred promo code.
Minimum Bet
Placing a minimum bet is often a requirement of a promotion to qualify for the attached rewards. It is important to check this so that you can ensure your first wager is eligible and you do not miss the opportunity to receive your £50 worth of bonuses. Attached to the Betfred promo code WELCOME50 is a minimum required bet to be placed of £10 or more.
Best Betting Sites: How Does Betfred Compare?
Betfred is a top player in the sports betting industry and well regarded by many. One of the brand's closest competitor sites is undoubtedly William Hill, another well-established and long-serving bookmaker. Both have a huge range of different sports available to wager on, along with great sign-up offers, in particular Betfred's, where new customers can claim £50 in bonuses when wagering £10 with the Betfred promo code WELCOME50. Live streaming is now an integral feature to an online bookmaker, and next to newer and more modern bookies such as BetMGM and bet365, Betfred continues to meet and beat customers' expectations, providing a smooth and seamless experience. It has been reported by several users that they have trouble accessing a consistent live stream at sites such as BetMGM and its experienced counterpart, William Hill, as well as there being a limited choice of sports to choose from. It receives lots of praise from customers for the existing customer promotions available at Betfred and that they are of significantly higher value than those found at William Hill. With Betfred being a tough competitor for other bookmakers, it also reportedly has one of the most hassle-free sign-up processes, making life even more challenging for other bookmakers such as William Hill, bet365 and BetMGM
Betting on Mobile with Betfred
Betfred's customers can use the bookmaker both on the desktop site and on the exclusive mobile app that can be downloaded to both iOS and Android devices. Both offer the same top experience and great features, but the app allows for the added ability to be taken on the go with users. This allows for increased accessibility and means things can be picked up right where the user left them on their desktop on their mobile and accessed from wherever they are.
Betfred Live Streaming
Betfred UK offers fantastic live-streaming services across a wide range of sports. Whether you are after football, horse racing, or boxing, Betfred has it all. Its streams run smoothly, ensuring no action is missed. Players can also take advantage of Betfred's live in-play betting options, placing and amending bets according to the live action. To take advantage of the live streaming service, customers must be signed into their Betfred accounts and have a bet placed on the match, race or event they wish to stream.
What Payment Methods Does Betfred Accept?
As one of the largest and most established bookmakers, Betfred accepts one of the top ranges of recognised and trusted payment providers. We have included a list of these below:
Deposits
Visa Debit
MasterCard
Maestro
Electron
Neteller
Visa Checkout
PayPal
Skrill
Paysafecard
Bank Transfer
Withdrawals
Visa Debit
MasterCard
Maestro
Electron
Visa Fast Funds
Neteller
Skrill
Bank Transfer
What Sports Can I Bet On Using Betfred Promo Code?
Betfred is home to a variety of different sports, tournaments and events for customers at the bookmaker to get involved with ensuring that there is something for everyone's interests. We have listed the sports available at Betfred below.
Football
Horse Racing
Greyhounds
American Football
Baseball
Basketball
Boxing
Cricket
Cycling
Darts
Formula 1
Golf
Ice Hockey
Politics
Rugby League
Rugby Union
Snooker
Tennis
UFC/MMA
Summary: Final Thoughts on Betfred
Overall, after thoroughly reviewing all of Betfred's features, it is no surprise that it remains a top choice among sports bettors. With a good range of betting markets, a great variety of sports available to customers, and the added ability to live stream sports, it has everything keen sports fans and bettors will be looking for from a betting site. We, the experts at Wisegambler.com, recommend Betfred UK as one of the best sports betting destinations in the country.
Alternative Brand Promo Codes
Now that you know all there is to know about the BetMGM bonus code, the experts at wisegambler.com thought you might be interested in some alternative brands too:
We understand that gambling can be fun, but it's important to gamble responsibly. If you are struggling with a gambling problem, please do not hesitate to ask for help. There are people who can help you get on the road to recovery.
The Betfred bonus code for new customers to the bookmaker to claim £50 in bonuses when they bet £10 is WELCOME50.
What is Betfred's Payout Limit?
Betfred UK has set payout limits depending on the sport where the bet was placed and won. Check out the Betfred website for more information regarding the payout limits on your chosen sports.
Is Betfred safe to use?
Betfred is a completely legal and safe betting site in the country, licensed and regulated by the United Kingdom Gambling Commission (UKGC). It is fully equipped with the best encryption software and technology to ensure that customers' details and payments are safe.
Can I Bet In-Play Using Betfred?
Yes, customers at Betfred can place live in-play bets on the website and on the app alongside live streaming.
Does Betfred have an app?
Betfred UK has a mobile app that can be downloaded from the dedicated app store for iOS and Android devices.
