How To Flash Stock Firmware On Samsung GALAXY J5 SM-J5008 Using Odin V3.10.6.

How To Flash Stock Firmware On Samsung GALAXY J5 SM-J5008 Using Odin V3.10.6.

Flash Stock Firmware On Samsung GALAXY J5 SM-J5008. See you on android guide at guidebelajar, now, I will share a simple guide how to flash a stock ROM on Samsung GALAXY J5 SM-J5008 using Odin V3.10.6 software. Samsung GALAXY J5 SM-J5008 is the smartphone with 5 Inchi wide LCD, work on Android OS, v5.1 (Lollipop),  with Qualcomm Snapdragon 615 Exynos 7580 Chipset, supported with Quad-core 1.4 GHz Cortex-A53 & quad-core 1.0 GHz Cortex-A53 CPU and Adreno 405 GPU, combined with 1,5 GB of RAM and 13 MP of  Main camera and 5 MP on secondary camera.

Flashing process in android Smartphone is like reinstall process on windows computer PC, with flash your Samsung GALAXY J5 SM-J5008 android device you can unbrick, downgrade, manually upgrade (instead of updating via OTA or Samsung Smart Switch), or restore Samsung's stock firmware instead of custom ROM. I make this guide just for you as user all Samsung GALAXY J5 SM-J5008 variant.

You need to read this guide carefully, so you can get the best result flashing on your Samsung GALAXY J5 SM-J5008. Cause you need to download necessary file, you must ensure that you have good internet connection in your computer device, this guide using a windows computer.

Initial Step To Flash Samsung GALAXY J5 SM-J5008 

Now, we have reached on beginning guide, so you must to do initial step to ensure everything run smoothly.

1. Make sure your Samsung GALAXY J5 SM-J5008 battery is not in a low battery state, a minimum of 80%. If the battery runs out in the middle of the Root, it can lead to failure
2. Always perform backup your important data before flashing process, Cause this process will delete or erase the data in memory.
3. Make sure you have installed a Latest of Driver Samsung  that support with your Smartphone, If you don't have, please download here
4. Original USB cable driver for your Samsung GALAXY J5 SM-J5008
5. Download Samsung Smart Switch, Here
6. Download Odin V3.10.6, Here
7. Download Official firmware file for the model number of your device, download it from - SamMobile, or you can visit the other site, Here

Firmware Detail.

Before you perform flash to your Samsung GALAXY J5 SM-J5008, make sure your downloaded firmware is like this :
Model: SM-J5008
Model name:
Country: China (China Mobile)
Version: Android 5.1
Changelist: 610694
Build date: Thu, 11 Jun 2015 08:52:33 +0000
Product code: CHM
PDA: J5008ZMU1AOF1
CSC: J5008CHM1AOF1

Main Guide To Flash Samsung GALAXY J5 SM-J5008 

1. You must download all necessary file.(Samsung USB driver or Smart Switch and Odin)
2. Then you must install all driver or samsung smart switch to your computer or PC.
3. Extraxt Odin V3.10.6. file on the destination folder.
4. To download Samsung firmware you must visit this link, you can download specific firmware file for your device model number. you must Log In with your registered account on this website.

   

   sammobile website Log In
5. On the row menu at the top of page, you can select firmware.
6. Then you must enter in search bar with your phone model number. you can type SM-J7008 as your phone models then press enter.

   

   download firmware Samsung GALAXY J5 SM-J5008
7. And you will see search result like this. you can click your phone models link
   
8. Then select your country.

   

   download firmware Samsung GALAXY J5 SM-J5008
9. Then you click on appear link.
10. Select regular download. 

    

    download firmware Samsung GALAXY J5 SM-J5008
11. And Donwload button again. Approximately file size is 884 MB
12. Wait untill your file finish downloaded, after that you must extract all firmware file on specific folder on your computer.
13. This is your file.

    

    Flash Stock Firmware On Samsung GALAXY J5 SM-J5008
14. Switch Off your Samsung GALAXY J5 SM-J5008 to start flashing process.
15. Then, you must run Odin3 v3.10.6 by right click on Odin.exe and select Run as Administrator.

    

    Flash Stock Firmware On Samsung GALAXY J5 SM-J5008
16. When program is running, now you can click AP, and navigate to the *.tar or *.tar.md5 firmware file.Now your firmware file has been inserted in Odin3 

    

    Flash Stock Firmware On Samsung GALAXY J5 SM-J5008

18. Then, Enter download mode your Samsung GALAXY J5 SM-J5008 by pressing and hold Volume Down Button + Home Button + Power Button. Hold and press all button untill your phone vibrate and LCD show menu.
    
19. And you will see picture like this on your LCD screen.
20. On this mode, now you must connect your Samsung GALAXY J5 SM-J5008 to your PC / laptop using a USB cable. 
    
21. After your phone connected, you will see a message appear that show your device added and there is info on the ID: COM at top left corner. Keep in mind for this COM vary depending on the PC / Laptop. Just Ignore all, in this picture you will see that your device is detected on (COM 5)
    
22. Make sure re-partition is NOT ticked
23. When everything already you can click Start Button. at the bottom left corner
24. Just wait for the process to run about 2-5 minutes, and make sure there is no interference in this process. 
25. When complete it will display a notification PASS and your smartphoneSamsung GALAXY J5 SM-J5008 will automatically restart.
26. Wait your device to boot up, it will take a while.
27. When your Samsung GALAXY J5 SM-J5008 is ready to use, you can check your firmware update version by dial *#1234# on dial pad.

    

    dial pad samsung GALAXY J5 SM-J5008

    
    
28. And you will see your new firmware version.

    

    firmware version samsung GALAXY J5 SM-J5008
29. Finish.

Warning.

Never disconnect the USB cable while flashing process is running.
Install Samsung Mobile Driver or Samsung Smart Switch if you don't see a sign in Odin.
Flash your Samsung GALAXY J5 SM-J5008 device at your own risk.
Flashing firmwares which contains more than one *.tar.md5 file will wipe all data on internal storage.  Flashing official/stock firmware won't increase the binary flash nor KNOX WARRANTY VOID counter and won't cancel the Samsung GALAXY J5 SM-J5008 device's warranty.

  see more at : www.universalmobileandcomputer.blogspot.com        
source:

Why Investing in Stocks This Year Was Not a Financial Mistake

In a matter of weeks, I saw my portfolio erode at a rate that I thought was only possible in months/years instead days/weeks. The other day, I was looking at the disastrous performance of my stock investments through financial statements and asked myself one question: “Did I make a financial mistake by investing in stocks this year?”

These “after-the-fact” type questions usually does nothing but make me feel worst but I felt the need to give an honest attempt at answering because being invested this year was by far the most detrimental to my wealth.

As my thoughts race through my brain, the answer became increasing clear to me that starting to invest in stocks was not a financial mistake. The decline was definitely something I wish I avoided, but to call it a financial mistake was just not correct.

To carry on the discussion further, let me share with you some of the notes I took in my imaginary wall:

We Decide Based on Possible Outcome, Not Results.
When I chose to pour my savings into the stock market, it was based on the rational decision that:

1. Stocks outperformed other asset classes in any 20-year period
2. I was young enough to have many years of income to cover any potential losses
3. My time horizon was long

Due to the fact that we can’t predict the future and there’s no “undo/retry” in life, we decide the path to take based on all the facts present.  My investing approach was based on past history and my circumstances. My wealth took a disastrous dive but short term performance was simply not part of my consideration. I’m looking for long term gain, and these types of short term decline was what I was willing to tolerate and should be expected.

I Actually Made the Choice
Indecision is always the worst mistake that one can make.  If I did not decide to begin investing during the good times, there would be no way that I would start now when everything looks dark and gloomy.  As a result, I may never start investing.  It would preserve my capital this year, but earning 3% a year (and being taxed every single year) is definitely not advisable over the long run.

What I Do Consider a Financial Mistake
Let’s face it, many of us lost more money this year than any other. However, financial mistakes should be left for those decisions that we make when the facts points to the likelihood of financial disaster (Taking payday loans, splurging on credit cards without the funds to pay them off immediately, buying a new car just to keep up with your neighbors etc come to mind).

Deciding to start investing in stocks will never be a financial mistake. Ever.

source Why Investing in Stocks This Year Was Not a Financial Mistake

Avoid Credit Card Traps

Laura Rowley from Yahoo Finance wrote a great article titled Five Credit Card Traps to Avoid. Here are some quotes from the article along how we need to interpret them.

…more than 9 in 10 Americans don’t know how long it would take to pay off their credit card bill if they made only the minimum payments.

I am actually one of these people and I bet most of us are on the same boat. The actual answer is 7 to 8 years which is very long. The total amount of payment after 8 years is even more frightening.

There is a need for everyone to understand that the minimum balance due does not mean “the only charge I need to worry about”. Everyone needs to practice responsible spending when they have access to a credit card. If we cannot pay it in full each month, we probably should not use it.

…credit card disclosures were “written at a level too difficult for the average consumer to understand. …

This is probably well understood, so many of us do not bother with the disclosure when we apply for the credit card. At the very least, we should attempt to read this at least once and jog down key information like interest rates.

The following are the five credit card traps people most easily fall into when they don’t read the fine print.

your card company can jack up your interest rate and change the fees whenever it wants to, for any reason.

This means that if we owe money, credit card companies can start charging us unlimited amounts of money because it can raise rates at any time. This reinforces the fact that we need to avoid credit card debt at all costs.

…94 percent of cards charged over-limit fees of $20 to $39 — and they can be assessed monthly until the balance falls below the limit.

Never go above your credit limit, and stay responsible. It’s really as simple as that.

If you typically pay on time and get hit with a late fee, ask the company to remove it.

As the saying goes, it never hurts to ask. If we do not ask, the late payment fee won’t be waived automatically.

…method of calculating credit card interest up until the day full payment is received. It’s based on two billing cycles, instead of determining interest only on the immediate billing cycle.

I never knew this, but it seems like many banks employ this practice. For example, let’s say we borrowed $5000 before the first bill and paid $4000 when the bill arrived. On your next bill, the interest calculated will be based on $5000 instead of $1000…

Imagine you have a credit card with a 3.9 percent interest rate, which you pay on time and in full. Then you pay another credit card bill late. It’s not unusual to see the card with the 3.9 percent rate skyrocket to 28.9 percent

This is not fair since they won’t automatically lower my rates if I pay every credit card in full each month. We have to think like a selfish credit card company in order to look out for ourselves. The important thing here is to check our credit cards regularly and make sure we are on top of our finances.

Just remember, avoid credit card debt at all cost.

source Avoid Credit Card Traps

5 Reasons Why People Can’t Get Out of Debt

Debt-free people aren’t debt-free because they make a lot of money. They’re debt-free because they make smarter, more educated decisions.

A person who makes $250,000 per year and is undisciplined and disorganized is much more likely to run up debt than a person who makes $50,000 per year and commits to living within his or her means.

Here are five traits of people who struggle to get out of debt, and recommended changes they can make in order to become debt-free.

1) They don’t closely monitor credit card and bank statements.

If there’s a mistake or a new fee, the only person who will question it is you. People who can’t get out of debt don’t pay close enough attention to their statements, or they completely ignore their statements all together. Don’t let the mistakes or deception of other people create debt for you.

If you’ve missed a payment or incurred some type of late or interest fee, ask for forgiveness. Many lenders will waive such fees if you’re not a repeat offender. If you notice a suspicious fee, demand an explanation. If you’re not satisfied with the explanation you receive, explore other options and don’t be afraid to take your business elsewhere.

2) Their budgets are too tight.

If you’ve added up your monthly expenses and they equal your monthly take-home pay to the dollar, this is no reason to celebrate. You’ll probably struggle to break even each month.

Assume you make at least 10 percent less than you actually do, round up your expenses, and create a line in your budget for unexpected miscellaneous expenses. For example, if you make $75,000 per year, base your budget on no more than a $65,000 annual salary – minus all deductions, of course. If you spend $225 per month on gas, allow for at least $250 when you create your budget.

3) They don’t do their homework.

Every financial decision should be researched. Debt-free people know how much they should be paying for certain products and services, and they know what language to look for in their agreements. If they do incur debt, they know why and plan strategically to pay off that debt as quickly as possible.

On the other hand, people who can’t seem to shake their debt aren’t taking enough responsibility for their financial decisions. For example:

• They haven’t determined where their debt lies (credit card, loans, etc.) and what purchases led to that debt.
• When they buy a car, they don’t know how to calculate financing and don’t question the math of the salesperson.
• If they’re not familiar with a financial agreement, they just sign it to get it done instead of having a qualified professional review it.

4) They only plan for the short-term.

Purchases and spending habits shouldn’t be based on what you have in the bank right now, and they shouldn’t be based on expenses you’ve forecasted for the next week, the next month or even the next six months.

Are you planning to move, buy a car, look for a new job or have a baby next year? Did you just get a “save the date” for a wedding in California next summer? Are you hoping your child attends college in 15 years? You better start saving now.

5) They don’t change.

You’ll never get out of debt if you don’t change your lifestyle and the spending habits that created your debt in the first place. Debt-free people are capable of cutting back, avoiding impulse buys and showing restraint.

Do you really need to spend $250 on a new smartphone as soon as you’re eligible for a “discount” when the device you have is just fine? Do you need a new car as soon as you’re done paying for the one you have? This also involves the little things, like making lunch at home, using coupons at the grocery store, and turning the heat down while you’re at work during the day.

Recognizing that you have debt is the first step. If you don’t adjust how you live and spend, your debt will only get worse.

source 5 Reasons Why People Can’t Get Out of Debt

What Should You Do If You Can’t Make Your Credit Card Payments?

Being short on cash is stressful, but most of the time the solution to a dwindling bank account is cutting out a few social events and trips to the mall. This isn’t exactly fun, but the situation is temporary. But what if you’re so cash-strapped that you can’t make the minimum credit card payment? If you find yourself in this situation and aren’t sure what to do, take a look at the information below for the five steps you should take right away.

1. Get creative

If your usual paycheck isn’t enough to cover your credit card payments, try scraping together some extra cash before taking further steps. This might take a little creativity, but it’s worth it to avoid the consequences of missing a payment.

Try selling unwanted items from around your home, babysitting your neighbor’s kids, or returning some of the things you’ve recently purchased to come up with extra money. You’d be surprised how much money you can come up with when you really need to!

2. Fess up

If you’ve already tried earning extra money but there’s still no way for you to make your credit card payment this month, the next thing you should do is call your credit card company and tell them the truth. This might seem counterintuitive, but it’s important to be honest with your card issuer because there might be options out there that you’re not aware of.

For example, many credit card companies are willing to extend your due date or allow you to make modified payments if you find yourself in a bind. If there’s a particular reason that you can’t pay this month – for example, you’ve lost your job or are facing a serious medical crisis – be honest about this, too. Be sure to ask the customer service representative what they typically do for customers facing your situation, because you’re certainly not the first one.

3. Bargain

When you’re on the phone with your credit card company explaining that you can’t make your minimum payment, another strategy to try if you have at least a little bit of money to spare is bargaining. For example, if you can’t make your whole minimum payment but you can make half of it, offer them the reduced payment. This might be enough to avoid getting your missed payment reported to the credit bureaus.

Another tip, assuming you’ve been a good customer so far, is to point out that you’ve never made a late payment in the past and have always paid at least the minimum. These factors might make it easier for the credit card company to show you some leniency.

If you can’t make your payments, banks will usually prefer to work something out with you than bring in the debt collectors. If a bank sells your debts to a collection agency, it only gets pennies on the dollar. It would prefer to recoup more than that by arranging a payment plan with you directly.

4. Prioritize paying

Once you’ve worked something out with your credit card company, make it your first priority to pay the bill as soon as you have the cash. Most credit card companies don’t report late payments to the credit bureaus until you’re 30 days past the due date, so you may be able to avoid a ding to your credit score if you pay as fast as you can.

5. Don’t let it happen again

We all overcharge sometimes, but if your spending is so out-of-control that you can’t make your minimum payments, it’s time to take a look at your money habits and make some adjustments. Missing multiple credit card payments is a recipe for disaster when it comes to your credit score, so follow these tips to keep your finances in order in the future:

• Track your spending carefully and make sure you don’t charge more than you can afford to pay off in one month
• Make a budget so that you know where your money is going
• Set an alert on your phone or calendar to remind you of your bill’s due date
• If you’re not earning enough to keep up with your bills, get a second job or ask for a raise at your first job
• Reduce other monthly expenses so that paying your essential bills is easier

The bottom line: not having enough cash on hand to pay your credit card bills is scary, but there are steps you can take to minimize the damage. Whatever you do, don’t ignore the problem, and make sure to make adjustments so that this doesn’t happen again!

source What Should You Do If You Can’t Make Your Credit Card Payments?

Drowning in Debt? Don’t Make This Credit Card Mistake

This is a guest post by Linda Bustos, an editor for CreditorWeb, where you can learn about using credit cards wisely.

People who find themselves in credit card debt may take serious measures to prevent balances from creeping higher. Often this includes transferring large balances from older, high interest credit cards to a brand new credit card with a 0% or very low introductory interest rate.

To remove the possibility of ever using the original card with the big, bad interest rate, one may make the mistake of closing down the higher interest credit card(s) and just sticking with the new card.

While shifting the debt load to save interest is often a wise decision (provided you actually have a plan to pay off the majority of the balance within the introductory period), closing the original card is not. Here’s why:

Credit History
Even if it’s bad history, you don’t want to make it disappear. If you held a job for 10 years, even if you got fired, the work experience is relevant and valuable on your resume. You wouldn’t want to remove it from your resume, it could hurt your eligibility or attractiveness for future jobs.

Same goes for credit accounts – even if they have stains on the record, the record is still valuable.

Debt to Credit Ratio
Older accounts often have higher credit limits than new cards. Credit lenders will look at your debt:credit ratio (% of your total credit you are using) to assess your risk and what interest rate they should charge you. Closing an old account with a high limit can have a dramatic impact on your debt:credit ratio.

For example, if you “max out” a $15,000 limit on Credit Card A, your debt:credit (not counting other forms of credit) would be 100%. You are using 100% of your credit available.

You open Credit Card B with a low introductory rate and a limit of $15,000. You transfer $15,000 from A to B, and you have $15K:$30K debt:credit, or 50%.

Close Credit Card A and you’re back to 100% debt:credit.

Just Chop ‘Em Up
Instead of closing your credit card account, leave it open, and cut up your credit card. Don’t use the new card until it’s fully paid down, and keep reading MoneyNing to stay motivated on frugal living and debt freedom.

source Drowning in Debt? Don’t Make This Credit Card Mistake

Paying Credit Card Interest Is Like Throwing Cash Into the Fire

This is a guest post from Tisha Kulak, a writer who writes about credit card offers, personal finances and credit card matters.

Credit card interest can be a financial killer if you are not handling your credit cards correctly. If you are only paying the minimum amount of money on your cards each month, you are setting yourself up for a large financial downfall. Imagine you carry a balance of $5,000 in credit card debt with an average interest rate of 16%, it would take you at least 12 years to pay off the balance. The balance would increase about $2,500 with interest fees, leaving you with a total bill of $7,500.

$2,500 could afford you many other things in life. That amount of money would pay for home repairs, a nice vacation, or an excellent deposit into a savings or retirement account. Paying that amount of money as an interest payment on credit cards is like using your cash for firewood.

There are steps you can take to help getting your credit card debt under control. Here are a few tips to keep you paying down your balances and not wasting your hard-earned money.

Stop Making New Purchases
You can never expect to pay down a balance if you keep adding new things to it. Use credit cards only for emergency purposes.

Get a Handle on What You Owe
Debt can be overwhelming and embarrassing; however, you will never be able to recover from debt without knowing how much you owe. Sit down with all of your bills and tally up your debt. Get a real picture of where you stand financially, no matter how bad the situation is.

Pay Card with the Highest Interest First
The cards you have with the highest interest rates will cost you the most over time. Start making your budget to include more than the minimum payment each month of the cards with the highest interest.

Keep Away from Penalties and Fees
Getting momentum to pay down your balances on high interest cards can be ruined if you are late. Being late or going over the limit on your card can cause your interest rate to skyrocket and therefore will thwart your plans for paying off your balance.

Consider a Transfer
If you have a low or 0% balance transfer credit card that can handle a balance transfer, it may save you a lot of money by transferring the high-interest balance to a card with a low or no interest.

Once you begin to realize the effect your effort makes on your debt, it will become easier to see the light at the end of the financial tunnel. Planning your family budget will be more realistic and you can anticipate a time period when your balance will be paid off. Once you have paid a balance in full, continue to use the amount you’ve been paying and pay towards the new balances of the other cards. If you do not have any other cards to pay off, take the payment amount you’ve been used to paying and stash the cash away in a savings account or other investment that is right for you.

source Paying Credit Card Interest Is Like Throwing Cash Into the Fire

7 Financial Moves to Make in Your 20s

We know that public education today is short on the subject of financial literacy, so unless parents are teaching kids about finances, many youngsters are finding out about good financial decisions the hard way — through making mistakes. I just turned 30, and I wish I had done quite a few things differently. The following are 7 financial moves to make in your 20s that I wish I had made. If you want to increase the chances of prosperity down the road, do it, and remember to teach your kids:

1. Live Within Your Means: This seems terribly obvious, but for many, it isn’t. I know. I spent the first three years of my 20s engaged in instant gratification, using my credit cards so that I didn’t have to limit myself on food, clothes or fun. Cleaning up that mess took almost the rest of my 20s (until I was 27), and set me back some. Start now to live on a budget that allows your outflows to remain smaller than your inflows.
2. Pay Down Debt: The average college student has $4,138 in credit card debt, according to Sallie Mae. This doesn’t include car loans, student loans and other debts. If you have debt, work now to begin paying it off. (Here are 25 tips to help you pay down debt)
3. Develop a Savings Habit: If you haven’t been saving money since high school (I have my seven-year-old son saving part of his allowance now), your 20s is a good time to develop a savings habit. Consider the money that goes into a savings account an essential part of your budget (tip: you can even make it automatic by diverting a monthly amount into savings). Start with an emergency fund and go from there.
4. Begin Investing: I know people who opened an IRA in high school, once they got their first jobs. Sadly, I am not one of those people. I did, however, open a Roth IRAin my mid-20s, even though I didn’t put much into it to begin with. The earlier you start investing, the more money you will have down the road, thanks to the awesome power of compound interest. If I had started just five years earlier, I could have thousands more in my retirement account than I do now.
5. Cultivate Marketable Skills: Your 20s is a good time to cultivate skills and education that can benefit you down the road. Consider what skills will be in demand in the coming years, and consider what you enjoy. I am fortunate enough to have earned a degree in Communications, and go on to acquire a M.A. in Journalism. These skills allow me to work from home as a freelance writer, supporting my family while my husband works on a Ph.D. — so that he can enter a field with growth-potential: the environment and public health.
6. Establish Credit: While you don’t want to get out of control with the credit cards, it is important to start establishing credit while in your 20s. Be careful, though, that you work towards establishing the good kind of credit. A credit card, for example, can be one of the most effective ways to do this, but only if you pay off the balance each month. You can also get a small auto loan or other small obligation that you can make monthly payments on. This will help you in the future as you buy a home, and even as you look for good deals on auto insurance.
7. Choose Your Life Partner Carefully: While you don’t have to see eye to eye on every financial issue, you should still choose a life partner that has the same goals and values as you. Even if your partner has issues now, you are on the right track if he or she is working toward financial improvement, and you can support and encourage each other. If you plan on combining your finances with your spouse, communication and honesty are especially important.

Finally, don’t forget to live a little. Money is supposed to be used, in part, for your enjoyment. There are many frugal travel ideas (consider Peace Corps, teaching English abroad and similar opportunities), as well as low-cost entertainment (camping, discount movies, going to the park) options. If you are paying tuition by the semester, and have room in your course schedule, take a class just for fun. You want to learn how to use money so it benefits you now and in the future, rather than letting it make you a prisoner.

Saving money is about freedom, and doing it early in your 20s will get you there that much quicker.

source 7 Financial Moves to Make in Your 20s

My Dad Quit After 50 Years of Smoking and So Should You

Recently, my dad quit smoking after years of us encouraging, motivating, persuading, yelling, and cussing (you name it, we’ve done it). It was a struggle for so many years, but the fear of sickness finally convinced him to quit smoking. Many of us smoke (in fact, one third of all male in this world do), but none of us ever think about the harm it has on our body and our wallets. From experience, I won’t dare try to convince anyone to quit smoking, but here are some financial facts we should all consider every time we light a cigarette.

• At $5 a pack of cigarettes, my dad could’ve accumulated $1.6 million in investment and savings. This is assuming that he would invest or save the money weekly for 50 years earning 10% annually. 50 years ago, the cigarettes were not $5, but my dad smokes more than one pack of cigarettes many days of the year too. This also does not include the cost of lighters or matches.
• His life insurance is much higher because of his “experience” in smoking. Actually, we were told that his insurance would probably be 1/4 if he never smoked.
• His health insurance is the same thing, read the life insurance point again.
• Non-smokers receive home owners insurance of about 10% less because there are fewer chances that they will burn down their home.
• Non-smokers usually perceive a better image than smokers which indirectly lead to a higher salary. This is due to smokers potentially having yellow teeth, bad breath and smelly clothes.
• Those extra packs of gum, extra trips to the dry cleaners all add up in our lives.

The list goes on and on. Smoking ranks as one of the most harmful activities we can do to our physical and financial health. If you read this blog because you want to live financially free, why don’t you quit smoking too?

Pass this on to your smoking friends.                

source My Dad Quit After 50 Years of Smoking and So Should You

by DAVID NING