Azure Financial Solutions Inc.

The things I do first thing in the morning on the 20th of every month, before having my real estate 🏡 webinar :

- prepare a tea
- switch on the TV to listen to the news
- activate my business social media advertising posts for the day
- prepare for my webinar and then :
- check my business account
- check 3 credit cards balances and the posted statements ( the statements post overnight ) to see the total amount of balances
- transfer from my business account the closest ( and higher ) amount to the next $500 ( for example if the balances for all three credit cards is 1,366 , I transfer $1,500 from my business account to my HELOC . My accountant loves this, as she adds up all even transfers in less than a minute when she does my taxes and she gives me the amount of personal income I have to declare every year ).
- pay the credit cards from my HELOC 1 min later after the transfer . This guarantees I pay zero interest on my HELOC and also keeps the history of all my credit cards payments in one place . If I ever “ forget” if I pay a credit card , I just check my HELOC to find the exact amount of the statement . Paying in full every credit card , and the exact amount every time , helps finding and comparing the payments that got out of my HELOC with the statements balances amount ). No double payments and no missed payments .
- join my webinar and learn, as this never stops

After the webinar ends the work starts, for all my pending/live deals.

Today I have to finalize all the compliance documentation for the two life insurance applications that I wrote yesterday, contact more lenders for a complicated mortgage switch and then prepare the documentation for a new / potential client that I will meet tomorrow for the first time, to discuss starting her investment journey ( this is a referral from a client that I have had for 21 years ).

It will be a full day here, so , if you need my help for anything, you must message me , for faster response .

Have a super Wednesday everyone ! 🌹🌷🌹🌷

Investing motivation post .

This is a chart of a real case.

Client opened this account June 2024.

Last year , his account dropped 13% when Mr.T announced first round of tariffs . He bought the same amount of investments , again . First time when he did that, as usually this client is not that organized . It just happens that he saw one of my post on this page that was recommending everyone to purchase investments .

Then the market dropped another 12% , right after his purchase ( 2nd round of tariffs announced . Ups 😳). He bought again , the same amount of investments , this time with no fear .

Three months later his account recouped all “ loses” and made 11% profit in top of it .

One year later his account shows a whopping 30.86% profit since inception (2024).

This is why is important to buy REGULARLY . Every month . Because you never know when the market will drop and how much , and you CANNOT GUESS or control the day the market goes up suddenly . If you lose the day it goes up 🆙, your account will look way different .

Buying every month will help you in a long run, as you also buy units when the market is down the the unit prices are low .

And this is also the reason you do NOT switch your portfolio every time one of your last performing funds looks “ worst “ by a few percentages than last year for example .

Nor move the money entirely into a money market or a very conservative fund when the market goes haywire. It will take you YEARS to get back what you lost when the market had the dip . There are certain situations when funds switches are warranted, but believe me , that happens every rarely, if you choose the correct funds when you start investing.

You have no way of knowing when the market correction will happen and that is THE MOST IMPORTANT DATE for your portfolio 📊 📉 . Stay invested !

I will have another post later, with a a calculation that shows you how important is to start investing early and regularly and what compounding interest can do for you .

Stay tuned !

If you have questions or you want to start putting money aside for your future, call or text me to connect : (403) 613-2205