If you want to be richer than 94.7% of people you know, focus 100% on these 5 things...

- Thread -

1. Maintain an emergency fund

Life is full of unexpected surprises

Sadly, most some with some sort of a cost

This is why you need money set aside

However, few people do - big mistake!

Here’s why you need an emergency fund and how to build one…
Having a fund helps:
- Reduce stress
- Avoid debt
- Build financial confidence

As such, allocate 10% of each pay towards your fund

Fund it to where you have at minimum 6 months of living expenses

That way when more expenses come, you’ll be ready!
2. Build non-employment income streams

Having employment income is good but it’s not enough

There are two reasons for this:
1. Most jobs don’t pay enough
2. Jobs aren’t 100% secure

As such, you need to insulate yourself with others forms of income

Here’s what I suggest…
Most people should consider:
- Freelancing
- Starting a business
- Building an audience

The internet is ripe full of money making opportunities

Stop watching cat videos and start making more money…

Next is how I first started making $1,000s extra per month
Here’s how I generated an extra $3-5k/mo outside my 9-5 job…

1. Learned a monetizable skill
2. Signed up on freelance websites
3. Applied to projects
4. Profit

I explain my EXACT process here: (50% off while this tweet is up): https://t.co/mWGwnMZQJI
3. Contribute to your golden years

For most people, getting old is certain

However, what’s not certain is having the money to support yourself later on

As such, you need to have a plan and fund it as much as you can

Here’s what you need to do…
First, calculate your retirement target

This is usually 25 times your current expenses

Then, calculate how long you have to invest

Finally, determine your monthly investment needs

The combination of the three plus patience will be your ticket to freedom
4. Assessing your job longevity

Most people rely on a 9-5 to get by and this is fine

However, how long will your job be around?

Many jobs these days are being automated or eliminated

Here’s an easy way to tell if your job is on the chopping block…
Your job may be in jeopardy if…
- It has a low barrier to entry
- Is manual in nature
- Requires little human judgment

Assess your job today and act accordingly…
5. Investing in your financial IQ

Your financial IQ determines your net worth

It’s that simple…

The more you know the more you:
- Make
- Save
- Invest

Here’s how to raise your financial IQ…
Financial education can be accessed through:
- Books
- Podcasts
- YouTube videos
- Mentors etc.

Aim to learn something new daily

The more you learn, the more you earn…
If you enjoyed this thread, I'd appreciate a RT of the first tweet.

I write a daily thread on building wealth with online income

Follow me for financial wisdom that will change your life forever: @Adam_DelDuca

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https://t.co/FBfXhUrH5d


Microorganisms in biofilms are enclosed by an extracellular matrix that confers protection and improves survival. Previous studies have shown that viruses can secondarily colonize preexisting biofilms, and viral biofilms have also been described.


...we raise the perspective that CoVs can persistently infect bats due to their association with biofilm structures. This phenomenon potentially provides an optimal environment for nonpathogenic & well-adapted viruses to interact with the host, as well as for viral recombination.


Biofilms can also enhance virion viability in extracellular environments, such as on fomites and in aquatic sediments, allowing viral persistence and dissemination.

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https://t.co/e1Ye8DrNWb day Maragatha Nataraja sannandhi will be closed after anointing the murthi with fresh sandal paste.Maragatha Natarajar is covered with sandal paste throughout the year


as Emerald has scientific property of its molecules getting disturbed when exposed to light/water/sound.This is an ancient Shiva temple considered to be 3000 years old -believed to be where Bhagwan Shiva gave Veda gyaana to Parvati Devi.This temple has some stunning sculptures.
Ivor Cummins has been wrong (or lying) almost entirely throughout this pandemic and got paid handsomly for it.

He has been wrong (or lying) so often that it will be nearly impossible for me to track every grift, lie, deceit, manipulation he has pulled. I will use...


... other sources who have been trying to shine on light on this grifter (as I have tried to do, time and again:


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19 to 80 is an over 300% difference.

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Example #2 - "Yes, I'm comparing the Noridcs / No, you cannot compare the Nordics."

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Example #3 - "I'm only looking at what makes the data fit in my favour" a.k.a moving the goalposts.

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