People are often under the impression that, to start investing in the stock market, you need to have a lot of money. The idea is that, to build wealth, you need to start with wealth.
These myths couldn’t be further from the truth, as those with even the smallest of budgets can start getting involved in investing.
Here we’ll take a look at how you can build wealth on a budget, not letting it act as a restricting factor in reaching your financial goals.
The Earlier You Start Investing, the Better
If you’re working with a small budget, one of the best tips is to start investing as early as possible. This gives your investments more time to build and accumulate wealth over time. If you have the goal of building wealth that can be used in your retirement, there is no such thing as investing too early in life. Wealth can take time to build, even decades, depending on the types of investments you choose.
Starting early also helps you create a habit of putting aside a specified amount of money each week or month to be used for investments. Just make sure you’re not taking money away from an emergency fund or for paying bills. All essentials need to be covered first.
Use Your Tax Refund to Invest Each Year
Another tip that can pay off in the long run is to use your tax refund as investment dollars. A tax refund may be money you weren’t counting on and therefore hadn’t worked in the budget. It makes perfect sense to then take it and invest in your future. You can turn that extra money into even more money.
Learn About the Different Types of Investments
Here’s where things can get pretty confusing: did you know there are all kinds of different investments? Some options include individual stocks, mutual funds, and index funds. What’s right for you will be dependent on your financial goals, what type of investor you are, and how much money you want to invest. And remember, your answers and goals may change over the years as you have more or less disposable income available to you.
Choose Low-Risk Investments That Mature Over Time
As you learn about the different types of investments, you may want to focus on low-risk ones. These aren’t the ones that grow quickly and provide a fast turnaround; instead, they take time. These work particularly well for people focused on retirement goals.
Some examples of low-risk investments include:
- U.S. Treasury Bills, Bonds and Notes
- Treasury Inflation-Protected Securities (TIPS)
- Series I Savings Bonds
- Money Market Mutual Funds
Make Use of Online Tools and Information
The internet can also be a great resource for beginners that need a little help. You can find a wealth of free information and advice that helps you make better decisions.
Online tools such as a calculator for your dividend stock portfolio will do all the work for you and give you a clearer picture of what your investments will look like over time. These types of online tools allow you to plug in all the details such as your starting principal, your contributions, investment type, etc., so that you can get an instant calculation.
Don’t Let a Limited Budget Hold You Back
The takeaway here is that a small or limited budget shouldn’t hold you back from making smart investments. Many people start with small investments and build on them over time—it doesn’t mean they won’t pay off in the long term. Building wealth takes time, smarts and a little bit of risk-taking on your part.
Who is Luvtheflex? Her Age, Family, Dating Life, and More
All about Luvtheflex!
Luvtheflex took the internet by storm from 2020 to 2022. She is a TikTok star who often posts pictures on the internet, with or without makeup. However, because of her age, she was accused of posting inappropriate child pictures.
She received numerous criticisms for sharing lewd images on her Instagram and TikTok accounts, @luvtheflex and @rightnaaa, which has since been banned. She did those things while still a minor, which is the problem here.
As a consequence, many people are curious about the cause of her social media cancellation and widespread criticism. Since then, many have asked questions like, ‘Who is Luvtheflex?,’ ‘How old is Luvtheflex?’ and ‘What happened to Luvtheflex?’
Here is all we know about the influencer.
Who is Luvtheflex?
Luvtheflex is a social media influencer, best known for her content on TikTok and Instagram. Her real name is Tayrn.
Details about her personal life are not known. She often kept her personal life private and has revealed nothing about her family or her dating life.
Similarly, her age is also a topic of debate. Since she shared inappropriate photos and lewd videos on TikTok and Instagram, many were curious about her age.
Luvtheflex, aka Tayrn, claimed that she was 18 years old. (Source: TikTok)
They wanted to know how old she was for her to be posting pictures as such. Many claimed she was 15, and Luvtheflex stated that she was 16 once.
As a result, she was accused of posting inappropriate child pictures and promoting CP. At the time of writing, the social media influencer came back to social media, claiming that she was no longer a minor.
In a TikTok video, posted on her new account, @fetbabtyty, Luvtheflex claimed that her age was 18.
What happened to Luvtheflex?
Luvtheflex had a sizable following on Instagram and TikTok. She had over 290 thousand Instagram followers and over 2 million TikTok followers.
Her Instagram is currently hidden, and her second TikTok ID has barely garnered around 10k followers since her initial account was banned.
This happened because she had been uploading images that many people thought were improper. She shared films and photos of herself in scant attire on both platforms, sometimes in lingerie or crop tops and other times in skintight apparel.
Her posts went viral on the internet, and many people chastised her for a variety of reasons. She frequently faced backlash for publishing what they considered to be “softcore CP.”
Many noted that she was misusing her child pictures for the sake of fame.
Her age, as well as the misunderstanding surrounding it, added to the debate. As a result, many people often asked, “How old is Luvtheflex?”
Many stated she claimed her age to be 15, and others pointed out she claimed to be 14. However, in 2022, she mentioned that her age was 16.
Furthermore, several stated that her behavior of uploading potentially inappropriate and dangerous images, or “normalizing CP,” as one post put it, was alarming given her age.
Comments on the same page questioned Luvtheflex’s mother’s approval of her deeds and the fact that she was still in eighth grade. Another criticism was that she may have filled her garments and manipulated her figure in photos to appear more adult.
After months of receiving criticism and harassment on the internet, Luvtheflex eventually responded to all of the remarks hurled at her throughout this dispute in 2022.
She used Instagram Stories to write a lengthy post about the backlash. She stated at the start of the first post that it had been exhausting getting constantly harassed on every platform.
She did not hesitate to accept fault, but said that she had done it “a long time ago,” and there was nothing she could do to rectify it.
“I never once defended myself for the things I posted, I just took the blame and left it alone,” she wrote.
Luvtheflex confirmed that she did not post inappropriate child pictures and that her postings were the same as any other women on the two sites. She was annoyed that it was only she who was being harassed regarding this.
The TikToker also chastised anyone who tried to profit from her and make her appear terrible. “All these videos are proof that nobody lets other ppl grow and learn from their past, they’re just looking for ways to tear me down,” she stated.
She pleaded with readers not to misrepresent her age at the end of the first story and maintained that she had just lately started including it on her profile. She said that she turned 15 in May 2022, thus she could not have recently become that age.
In the next story, she believed that she should not have to quit social media because nobody could leave her alone, and blocking her was not that tough if they did not like her. She also shared one encouraging message that told her to take her time in dealing with all that was happening.
In a similar fashion, she acknowledged sharing private photos on TikTok as well. But she said that she was unable to get the images taken down from the internet there as well.
In a different video, LuvtheFlex also discussed how she had been urged to “act her age.” She acknowledged that she had not been acting her age, but the danger of being removed from platforms and the threats of death were stressful.
It appears that Luvtheflex is not very active right now on social media. @luhtheflexx is her new TikTok username but she is not active anymore.
She has not posted anything since March 2023, and her last video is of her lipsyncing to music with the caption, ‘I am legal,’ hinting that her age was above 18.
It looks like she has a new account, @fetbabtyty, which she launched in the middle of September 2023. She claimed that she was of legal age and now has started posting videos on this account.
However, netizens are not happy that she is back on social media, and are actively canceling her.
Dominique Ansel’s Biography — Age, Wife, Family, Net Worth, and More
All about Dominique Ansel’s personal life.
Dominique Ansel has gained quite a reputation on TikTok and Instagram with his viral desserts.
This has led many netizens to ask questions like, “Who is Dominique Ansel?,” and “Is Dominique Ansel married?” Many have assumed that he got famous out of social media.
However, that is not the case.
Ansel is a well-established pastry chef with his own restaurant, Dominique Ansel Bakery and Dominique Ansel Bakery & Workshop in New York City. Moreover, he is known for his famous invention of Cronut — his signature croissant-doughnut hybrid pastry.
Here is all we know about the chef.
Dominique Ansel’s biography
Ansel was born in 1978, making his age 44-45 as of 2023.
Ansel, who grew up in a little hamlet north of Paris, had no intention of becoming a chef. He started working at a neighborhood restaurant at the age of 16 to help support his family.
Because his village had a free culinary school, he joined their apprenticeship program, first as a savory chef and subsequently as a pastry cook. Ansel was drawn to pastry because of its precision and scientific aspect, and he believed he had found his calling.
He completed his military duty in French Guiana, South America, at the age of 19, as part of a community program teaching people how to cook. When he returned to France, he spent all of his funds on a beat-up vehicle and traveled to Paris, leaving his resume at each bakery he could find.
Later, he was hired as one of 30 seasonal holiday workers at the famed French pastry business Fauchon. He was told that only one employee would be left at the conclusion of the season, and when the time came, he was the one who was chosen.
Ansel worked with Fauchon for over eight years, eventually becoming director of international growth, and traveling the world to create new stores. He then relocated to New York City with only two bags in 2006 to work as the Executive Pastry Chef at Daniel Boulud’s famed restaurant Daniel.
During his six years at the restaurant, it received its coveted third Michelin star as well as a four-star rating from The New York Times.
Ansel established his first shop, Dominique Ansel Bakery, on a modest Soho street in November 2011 with just four staff. The bakery became a neighborhood hotspot, serving both sweet and savory products, with pastries ruling supreme.
It was rated Time Out New York’s finest bakery and Zagat’s top-ranked bakery in the city. Signature inventions such as the DKA Dominique’s Kouign Amann (DKA) and made-to-order Madeleines rapidly became crowd pleasers.
Ansel’s most famous innovation, the Cronut, didn’t debut until May 2013, placing this modest Soho business on the map internationally. More new innovations and widely recognized inventions were born at the Bakery, including the Blossoming Hot Chocolate, Frozen S’mores, Gingerbread Pinecone, Cookie Shot, and Christmas Morning Cereal, among others.
And the rest is history.
Dominique Ansel’s married life with wife and children
Ansel has remained quite silent about his family and married life.
He has not revealed if he is married to a wife or if he is dating his girlfriend. According to The New York Times article in 2017, he has a girlfriend named Amy Ma, who is also his business partner.
According to Ansel’s Instagram post in 2022, he revealed that he had been together with Ma for 15 years. However, it is unknown if they are married or not.
Talking about his married life and family, Ansel shares two kids with his partner — Celian and Elise. He often posts pictures with children on social media, gushing about how much he loves them.
Dominique Ansel shares two children with his wife. (Source: Instagram)
All in all, it seems like Ansel is happy and content with his small family.
Dominique Ansel’s net worth
After establishing Dominique Ansel Bakery in 2011, Dominique Ansel Kitchen, his second NYC location, opened in the West Village in April 2015. Unlike a typical bakery, more than 70% of the menu is produced or completed to order, reflecting Ansel’s view that “time is an ingredient.”
Ansel then opened U.P. (short for “unlimited possibilities”), an after-hours tasting table concealed within the Kitchen store in New York City, in July 2015. The U.P. table seats 12 and is located in the center of the shop’s pastry kitchens, where customers enjoy an all-dessert meal centered on a bi-annual theme.
Ansel opened his first business in Hong Kong, Dang Wen Li by Dominique Ansel, in January 2020. The shop’s name is a translation of ‘Dominique’ in Chinese, and it offers a small selection of sweets inspired by local ingredients and customs, as well as made-to-order delicacies and classic French viennoiserie.
Dang Wen Li stores have opened at the IFC mall and H Queen’s in Central.
Ansel opened Dominique Ansel Workshop in the Flatiron neighborhood of New York City in July 2021. It is a croissant counter in the heart of his pastry facilities selling fresh-baked croissants and viennoiserie.
Dominique Ansel Las Vegas made its debut at the renowned Caesars Palace, in October 2022 with a menu of trademark pastries like the Cronut, DKA, Cookie Shot, and Frozen S’more, fresh-baked viennoiserie, and a new pastry collection designed specifically for Las Vegas.
Dominique Ansel Bakery menu is filled with exciting pastries and food — putting the chef on the map.
Ansel has received several honors and distinctions during his career, including Business Insider’s “Most Innovative People Under 40,” Vanity Fair France’s “50 Most Influential French in the World,” and the Daily Mail’s designation as the “most fêted pastry chef in the world.”
He has also been named one of Dessert Professional’s “Top 10 Pastry Chefs in the United States” and one of Time Out New York’s “Top Ten Pastry Chefs You Need to Know.”
Ansel received the coveted James Beard Award for “Outstanding Pastry Chef” in the country in 2014 and was named one of Crain’s “40 Under 40.” The following year, in June 2015, he was awarded the Ordre du Mérite Agricole, France’s second highest honor, for his efforts to promote French food and culture.
The World’s 50 Best Restaurants Awards awarded him the World’s Best Pastry Chef in 2017. Ansel has been working in the industry for almost three decades.
He has come up with his own cookbooks, Dominique Ansel: The Secret Recipes and Everyone Can Bake: Simple Recipes to Master & Mix. As a result, throughout the time, he has amassed a massive net worth.
However, the exact figure of his net worth is unknown.
Details about Ryan Walters Wife, Kids, Children, Salary, Net Worth, and Family
Ryan Walters keeps his personal life out of the spotlight.
Ryan Walters is an American educator and politician who has been the elected Superintendent of Public Instruction of Oklahoma since 2023.
He was appointed Oklahoma Secretary of Education from September 2020 to April 2023.
As a result, more people wanted to know about the politician, sparking considerable interest in every aspect of his life. They are especially curious about his wife, children, and net worth.
Here is everything we know about him.
Meet Ryan Walters’ wife
Ryan’s wife’s name is Katie Walters. However, no information on his and his wife’s wedding is accessible.
Ryan Walters taking a selfie with his family (Source: Twitter)
There is also not much information available regarding his wife.
Ryan Walters’ children
Ryan is a devoted husband to his wife, Katie, and the father of four children: Violet, Ella, Benjamin, and Samuel.
There is not much publicly accessible information regarding his children. It appears that he keeps his professional life out of the spotlight.
He tweeted a photo of his family with Santa on December 23, 2022, with the caption, “No woke Santa this year :)”
Ryan Walters with his wife Katie and four children posing for a picture (Source: Twitter)
He, on the other hand, rarely tweets anything about his family on his Twitter account because his Twitter account is overflowing with professional work information.
Ryan Walters’ career as secretary of education
Governor Kevin Stitt nominated Ryan to be Oklahoma’s Secretary of Education on September 10, 2020.
However, on May 2, 2022, The Frontier and Oklahoma Watch reported on a U.S. Department of Education investigation.
It was found that the Bridge the Gap program, overseen by Ryan, lacked adequate safeguards against fraud and abuse, and federal auditors were examining the allocation of COVID-19 relief funds through the program.
Following this, on May 11, 2022, Oklahoma House Democrats called for Ryans’ resignation.
However, the Governor’s office praised Secretary Ryan, highlighting his efforts to empower parents in their children’s education choices and his advocacy for directing funds toward students rather than government-controlled systems.
In 2023, Governor Kevin reappointed Ryan as Oklahoma Secretary of Education. However, on April 11, 2023, the Governor appointed Katherine Curry to take Ryan’s place.
This decision came after Ryan’s’ reappointment confirmation faced obstacles in the Oklahoma Senate, with Attorney General Gentner Drummond informing lawmakers that serving as both Secretary of Education and State Superintendent concurrently was illegal.
Ryan Walters’ past election results
In the 2022 Oklahoma state superintendent race, the Republican primary was highly competitive, with four candidates vying for the nomination.
Ryan emerged as the top contender, securing 41% of the vote, while his closest rival, April Grace, garnered 31%.
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This led to a runoff election between Ryan and Grace, where Ryan secured a decisive victory with 53.4% of the vote. In the general election, Ryan maintained his momentum, ultimately winning the position of state superintendent with 56.8% of the vote.
His Democratic opponent, Jena Nelson, put up a strong challenge, receiving 43.2% of the vote, representing a significant increase for the Democratic Party in this race compared to previous elections.
This electoral outcome marked a Republican gain from the Democratic Party, solidifying Ryan’s role as the Oklahoma state superintendent.
Ryan Walters’ net worth
There is not much information available regarding his net worth or salary. However, according to various sources, his state pay was $40,000.
Ryan Walters applauds during the 2023 State of the State address (Source: KOSU)
Aside from this, there is no additional financial data accessible.
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