Quarterback Alex Smith’s Net Worth

Have you ever wondered what it’s like to have tens of millions of dollars to your name?  The fact is, most of us will spend our life dreaming of such a financial future but never achieve it; however, others, like Alex Smith, know all to well what the feeling is like.  Alex Smith is the new quarterback for the Washington Redskins.  The former number one overall pick has had an up and down career, but he has recently emerged as a solid starting quarterback in the NFL.  A 13 year league veteran, Smith is entering his 14th season with his third different NFL team.  Quarterback Alex Smith’s net worth sits at $45 million.

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NFL Quarterback Alex Smith

Alex Smith has had a windy road to his NFL success.  Originally a number one overall pick in the 2005 NFL draft by the San Francisco 49ers, Smith has overcome many struggles and injuries that he experienced early in his professional career.  A star at Utah, Smith was a two year starter for the Utes and posted a 21-1 record as a starter.  After being drafted by the 49ers in 2005, Smith signed his first NFL contract valued at nearly $50 million for six years.  Alex Smith was never able to bring the team to prominence, and in 2012 was replaced as a starter in favor of Colin Kaepernick.  The team traded Smith after the season to the Kansas City Chiefs.  Smith proved himself worthy of being an NFL starter at Kansas City, where he was named to the Pro Bowl three times.

Alex had to pack his bags yet again earlier this year as he was traded off to the Washington Redskins who had just lost their quarterback.  However, with his new team came a new contract.  Alex Smith recently just signed a four year deal valued at $94 million.  The contract included a $27 million signing bonus along with a total of $55 million guaranteed over the first two years.  Even if Alex is only able to play two years with the Redskins, we can expect quarterback Alex Smith’s net worth to increase to over $60 million.

Alex Smith’s career NFL earnings have already topped over $100 million.  If he is able to complete the contract he just signed with the Redskins, his career earnings will more than double.  Over his past five seasons in Kansas City, Smith has proven to be a reliable starter.  During that stretch, he has thrown a total of 102 touchdowns to just 33 interceptions, one of the best in the league over that span.

On a personal note, Alex is married with two children.  In 2007 he started The Alex Smith Foundation which aims to provide foster teens opportunities to transition into adulthood.


Don’t Get Sued! Everything a Start-up Business Should Do to Protect Itself from Unseen Mishaps

The excitement of starting your own business can be overwhelming that you forget to do proper legal work to insure against future accidents and litigations. Sometimes, it’s the disruptive idea you have that blinds you from carrying out background checks on the brand logo you’ve decided to use.

Sometimes too, a business owner could ignore or skip drawing up a contract to protect your intellectual property. Whatever the case, these mistakes may eventually land you into trouble and are capable of making you lose your business altogether. In this article, we’ll walk you through five actions you need to carry out to avoid being sued.

Know the Importance of Contracts

According to Linkilaw, 65% of startups fail due to co-founder conflicts arising from no previous legal framework on agreements. Often, if the legal battle isn’t arising from co-founders, it is from failure to set up Shareholders’ Agreement or Terms and Conditions Agreement.

As a startup, you need to ensure you have established comprehensive contracts with partners, directors and shareholders to avoid disputes. As your business grows, other types of contracts such as Employment Contracts will need to be explored. These need to be well thought out and genuine to help your business stand against any legal tussle that may arise in the future.

Get Intellectual Property Insurance

Thousands of UK businesses are embroiled in intellectual property (IP) disputes every year. The risk is that a claim made on an innovative idea you thought was your own could mean you losing that innovation to somebody else. So, as a startup you need to take pre-emptive measures to protect your business idea. This is considered best practice for every startup that wants to go far.

Properties like trademarks, designs and patents should be insured. You’ll also need a public liability insurance to protect your business from claims for compensation from an aggrieved client or the public

Obey Business Regulations

There are different types of business regulations established to guide business conduct. In the UK, the Department for Business Energy and Industrial Strategy is responsible for making sure businesses comply with the rules.

Regulations such as Employment Law, Consumer Rights and Competition Law are provided within the framework of the regulatory structure. You’ll need to understand how they apply so as to avoid exposing your business to unseen mishaps.

Taxes Are Important

The UK tax code may be long, but you still need to diligently study it to avoid the tax office ire. Get to know the value added tax, corporation tax and business rate, and ensure you comply by paying what your business is assessed. You can hire a tax lawyer to explain the nitty-gritty of taxation even before you venture out. Failure to pay your taxes is a big fraud that is capable of closing down your business.

Finally, on a light note, do not wait to see a lawyer when it’s too late. In fact, you need to involve a lawyer all through the stages of setting up your startup as they will have invaluable legal advice to give so your business doesn’t meet it’s dead end – at least not soon.


5 Amazing Vehicle Models to Consider Purchasing This Year

The year of 2018 is finally upon us, and if you feel like upgrading your set of wheels, we’re here to help you with that. So what are the most promising models to check out? Listed in no particular order of significance, here are some of the top choices for you to consider:

  1. 2018 Volkswagen Tiguan

If you can’t shake off the feeling you’ve seen the model before, you’re partially right. While technically speaking, this is a redesign of Volkswagen’s compact SUV model, this one is much more modern and technologically superior. Its 184-horsepower four-cylinder engine is just the thing you need to keep the fuel consumption under control, while still being able to accelerate to top speeds in a fraction of a second. Those who have tried it have great things to say about its comfortable interior.

  1. 2018 Honda Odyssey

This car is roomy enough to house the whole family (and a mountain of suitcases and travel gear), but at the same time, elegant and efficient. Its controls are another element that is widely considered to be family-friendly. Its three seating rows guarantee enough space for an entire army of kids, and age is no barrier (the child seats are a breeze to install). For safety reasons, the seats are placed in such a way the parents can easily visually control the whole crew whenever needed. Finally, the van’s audio system allows you to communicate with the second and third row passengers even if they are using headphones. How cool is that?

  1. 2018 Kia Stinger

Looking for a visually-stunning sports car to show off with that packs quite a punch? Then this is the one you need. Did you know that with this model, it’s possible to reach 62 mph in just 5.1 seconds? Just make sure to always respect the speed limits! The tech-savvy will take delight in knowing that you can choose between two different engines, with one of them able to deliver 365 horsepower. Click here to learn more about Kia-related news and different models, as well as to find out when it’s going to become available.

  1. 2018 Toyota C-HR

Aggressive looks, efficiency, and practicality are just some of words one could use to describe it. This model is particularly suitable for those who like to go the extra mile to avoid accidents, with its pedestrian detection system and emergency automatic breaking being a testament to that. It’s lane-keeping assistance will allow you to enjoy the magnificent view outside and not worry so much about sticking to the road.

  1. 2018 Ford Mustang

High-tech features are its middle name, with 12-inch customizable flat-panel display clearly demonstrating just a taste of what is to come when autumn finally arrives and the model is released. The 10-speed automatic transmission is there to put you back in control as every driver should be. Nearly everything about this vehicle can be custom-tailored to your own preferences, including the exhaust system.


Have you found something for yourself already? Before making the final decision, it’s a good idea to look at the photos and select the final candidates. Then visit a local car dealership and give each of them a test ride. Only then can you truly tell that the model you’ve decided to go with is a good fit for you.


How to Be Prepared for Any Financial Emergency – 536

Life has a funny way of springing itself on us in the best of times, but we are still often caught off guard. These financial emergencies, whether we lose hours at work or suddenly have heavy medical bills, are not always something that we can control. Although we cannot control everything that happens to us, we can be properly prepared for every eventuality.

Have Reserve Funds

Sometimes, it seems impossible to save without picking out from time to time. However, even if you set aside a few dollars a week and a bit more when you can, you will have an emergency fund in no time. Your savings should have at least three months’ worth of essential expenses, in case of an accident or another major life disruption.

If you find yourself in a bit of trouble, for example needing a few Houston truck accident lawyers after a major altercation, you may be out of work for several weeks to a few months. These savings may quickly deplete, but it is more about the fact that you had it on hand in a financial emergency.

Control Your Consumer Debt

While you may be nervous that you do not make enough to save properly, you should first go over your budget before you decide on this. It is important that you are able to reduce your consumer debt. Credit card balances, student loan payments, or car loan payments can all catch up to you quickly if you fall behind.

It is crucial that you keep your credit card debt down, so you can attempt to raise your credit score. During an emergency situation, having credit available for a short period of time can get you through the hard times. Long-term care insurance and disability insurance are other options for protecting yourself while you’re injured and out of work.

Have Credit Available

Keeping down your consumer debt will inevitably lead to bettering your credit. When you have credit available, it is a way to have a bit more in your emergency funds. If your credit is good enough, you may consider establishing a home equity line of credit to have an additional cash resource; in these cases, you will only pay interest on what you use.

Insurance May Save You

As mentioned previously, having adequate insurance benefits is a great resource to have in case of a financial emergency. While proper health insurance coverage is a must, especially after an accident, you may also consider extra automobile insurance benefits as well as homeowners’ insurance. A major accident does not just mean personal injury, but also damage to your home or vehicle that has a high initial cost.

You may also invest your money in various places and widen your market portfolio. In the case that you have to see at a loss, you have diversified your investments in such a way that this isn’t your complete loss.

Life is unpredictable; while we all don’t like to hear this cliché, every homeowner needs to understand and work towards a good plan and reserve in the case of job loss or a major accident. It seems daunting and tedious, but it is always worth it to not be left out in the cold.


The benefits of being in a forex trading community

When you first begin to trade in forex, it is possible to get lost very quickly. Even when you have done substantive research on forex trading, there is really no way to understand the trade well enough unless you actually start to trade. If you do not have someone to guide you, it is possible for you to make numerous mistakes and even give up on forex trading. Without a helping hand, it can be hard to tell where you’re going wrong and even find ways to remedy the situation.

When you are new to forex trading, the best way to ensure you get the right help is by joining an online forex trading community.

How to join a forex trading community

Most forex trading communities will invite new members for free. Most of them are set up by specific forex brokers. Therefore, once you pick their preferred broker as yours, you are automatically sent an invite to join the forex trading community. You do not need a subscription fee to join most of these communities. You only need to have a live forex trading account. There are numerous communities to choose from. Ensure you take your time to pick the one that is sure to serve your needs.

Here are the benefits associated with joining online forex trading communities.

  • You learn from others

When you join an online forex trading community, you get to learn about trading in forex. Most members of the community are people who are not new to forex trading. Learning from them based on their experiences can go a long way in making it easy for you to trade forex. They also make it possible for you to deal with the stressful nature of the trade for beginners.

  • You share ideas    

When you join a forex trading community, you get a platform where you can share forex trading ideas and also learn from the ideas of others. There are traders who are always willing to share helpful information with the new investors. Most of these ideas are based on their personal experience while trading forex. This means that you get ideas and strategies that have been tested and proven to work.

  • Accountability

This is yet another reason for you to join a forex trading community. While you can choose to work in a vacuum, it is better to allow others to become your accountability partners in forex trading. This allows you to welcome constructive criticism which is sometimes the only way to learn. If you want to trade to make money, you will need fellow traders to encourage you so that you can be able to push on even when you want to give up. Having accountability partners is a good way of taking note of and celebrating milestones.

  • Keeping it interesting   

Trading forex in real life is mostly characterized by slow days and no activity in the market for a good part of the day. Therefore, instead of spending your time staring at your screen all day waiting to trade, you can choose to spend it in the company of like-minded individuals. Spending your free time chatting with your forex trading community members is a good way to brainstorm and learn more about the market. Being part of a community makes it possible for you to enjoy time learning about forex trading.

  • It is a continuous learning process

When you decide to trade forex without joining a community, you can easily get stuck in a rut and find yourself doing the same thing over and over again. Just because a strategy is working doesn’t mean it’s the best way to do things. When you are part of a forex trading community, you get to spend time with people who challenge your views and present you with a better perspective about forex trading. This provides room for you to constantly learn something new about the trade from different people each day. Most successful forex traders attest to the fact that forex trading communities played a big role in making them the successful traders they are today.


Forex Markets

Forex markets is where businesses, banks, governments and investors exchange and speculate on forex currencies. The liquidity of the foreign exchange currency market has an average daily turnover of $ 3.98 trillion allowing traders to get in and out of positions.

Forex markets are used by investment firms with large portfolios to facilitate transactions in foreign securities. There is no central market place for forex market. Forex Etx Trading is done over the counter.

Juno market Asian brokers transact the trade making the forex market available to traders. Forex trading refers to the speculation on the price of a currency against another currency. A no dealing desk execution mode provides different kinds of forex instruments in Juno Market. Liquid providers determine the success of forex trading.

Features of Forex market are discussed as follows.

Forex currency pairs

A wide selection of currency pairs such as EUR/USD and GBP/USD as well as global shares from different stock markets increases forex Etx trading. Crypto currencies such as equity market indices, spot metals like gold and silver are relevant to the forex market.

Micro lots are offered on forex currency pairs. In thin liquidity, forex currency shares stick within a certain range. Potential break out trades happen during this times making short day trades possible.

Forex trading strategies

Strategies are set in place to inform traders on ways in which they can identify trends from current forex news, indicators, utilities and technical analysis in order to make informed decisions on what is expected in the forex market.

400 x leverage

This is one of the highest leverage ratios in the forex industry. A high leverage ratio increases the potential for Etx traders to earn more with increased returns provided on an investment. Leverage is used to finance the forex market. Instruments such as futures and margin accounts are used to lever investments.

Lows spreads

Trading with one of the lowest spreads starting from 0.1 increases chances of success in the forex market.


Juno markets is licensed and regulated by a Service Commission which deals with securities. It offers clients protection against risk of losing funds while trading on forex market.

Different accounts

Juno markets has different trading accounts exposing traders to forex market. These accounts provide various trading tools such as charts to trade on.

Customer care support

A customer support team is set in place to deal with the needs of the clients.

Financial assets

Provision of financial assets improves trading rates. Trading rates are determinants of the outcome of trade in the forex market.

Merits of Forex Market


Forex market do not have structural market bias. High probability trading chances are provided for traders to profit at different market conditions.


The potential to take a loss without getting emotional makes forex markets popular.


Forex markets incorporates trading strategies that boost the confidence to trade on different platforms without fear of loss.


There is no opening bell in Forex Markets. Exit and entry of forex markets is flexible to a forex Etx trader. Forex markets provide a chance to change the conditions of the market according to the required needs.


Forex markets offer different straight forward perspectives to traders. Different angles increase objectivity to trade on the forex market.


Trading edges are achieved in forex markets with updated information to keep up with new trends in the market.


Forex markets prevent chances of overtrading. Forex Etx traders are guided by disciplined professionals thus preventing overleveraging on a trading account.


Funding of trading accounts in forex markets is based on a trader. Straight through order execution increases accessibility to traders.


Forex markets do not have a specific central market place for trading. Traders gain freedom in trading anywhere with internet connections. Freedom to trade on any platform increases the chances of a wider forex market.


15 Year Mortgage Pros

A little over five years ago I made a financial mistake that I’m not proud of.  I purchased my first home.  No the purchasing of the home isn’t the financial mistake, the mistake was going with a 30 year mortgage instead of a 15 year one.  Many times throughout the year I often wonder why I didn’t even consider a 15 year mortgage.  Don’t make the same mistake.  If you have the financial ability to do a 15 year mortgage then by all means go for it.  I will discuss a few of the 15 year mortgage pros and why I wish I could go back in time and do it all over again.

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15 Year Mortgage Pros #1

The easiest difference to distinguish between a 15 year and a 30 year mortgage is the interest rate.  15 year mortgages have a significantly lower rate than their counterparts.  The shorter the amount of months a company has to lend you money, the more likely they are to recoop their costs.  A 15 year mortgage tends to have an interest rate of 0.5% to 0.75% lower than that of a 30 year.  Although that might not seem like a significant number, it will ultimately equal many thousands of dollars in savings over the life of the loan.

15 Year Mortgage Pros #2

Simply put, you build equity faster.  Because you are having to pay the full amount of the loan in half the time, your monthly payment will be more; however, that also means you will become the full owner of your home in a shorter period of time.  Many people, myself included, choose a 30 year mortgage because the payments are less on a monthly basis.  Had I chosen a 15 year mortgage, my payment wouldn’t have been much more a month and I’d own the home outright in half the time.

15 Year Mortgage Pros #3

The final pro is that you have the opportunity to eliminate your largest monthly expense.  This is especially important as one approaches retirement.  People sometimes talk themselves out of a shorter mortgage because the higher monthly payments mean they have to forgo savings for other things such as retirement.  Can you imagine owning a house free and clear in retirement and not having the stress or monthly expense of a mortgage payment?  Plus you can also free up more capital if you decide one day to do a reverse mortgage.


The majority of housing loans issued are in the form of 30 year mortgages.  This has been the case for a while.  I messed up when I bought my first home, but I can assure you I won’t make the same mistake for my next.  A 15 year mortgage is ideal for individuals or couples who have stable jobs, and are good at budgeting their monthly expenses.  The opportunity to save money on paid interest and build equity fast will be too much for me to pass up again.  That is why the 15 year mortgage pros strongly outweigh any cons.

Budget Smart, Invest Wise

Kirk Cousins Net Worth

We are currently in the middle of the NFL offseason.  It’s been just over a month since the Super Bowl, where the Philadelphia Eagles knocked of the New England Patriots.  The offseason in the NFL is when deals are made and players get paid.  Right now a player everyone has their eyes on is Kirk Cousins.  Cousins is a six year veteran in the NFL with all six of those seasons being spent with the Washington Redskins.  The Redskins drafted Kirk 102 overall in the 2012 NFL draft.  He played out his initial four year contract and has since accepted and played out two additional single year contracts.  Last year Cousins made close to $24 million leading the team.  The salaries from his previous two seasons have given rise to Kirk Cousins net worth which currently sits at $18 million.

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NFL QB Kirk Cousins

Cousins, 29, was a three year starter in college for the Michigan State Spartans.  He wasn’t a highly touted recruit coming out of high school or college and slipped into the fourth round of the 2012 NFL draft.  When Cousins was drafted by the Redskins, he signed an initial deal valued at $2.5 million for four years.  This is a typical offer for someone who gets drafted in the fourth round where he did.  However, impressive play led the Redskins to do something that isn’t very common in the NFL.  Instead of working on a multi-year contract extension with their QB, Washington decided to give him not one, but two one-year extensions.  These extensions meant that if Cousins wanted a big payday he would have to play well.  It also meant that the Redskins weren’t committed to a quarterback if he didn’t perform at a high level.

Kirk Cousins has been the starting quarterback for the Redskins for the past three seasons.  His numbers over that time have been quite impressive.  In each of those three seasons he has thrown for at least 4,000 yards, 25 touchdowns and has maintained a passer rating of at least 93.  His consistent play has made him attractive to many teams this offseason.  The Redskins have missed their chance to sign the QB to a long term deal, thus he is now looking on the free agency market.  With very big recent contracts being negotiated for quarterbacks, Cousins could possibly be looking at a four or five year deal that would pay him approximately $25-$29 million in average annual salary.

In the very near future, Kirk Cousins net worth will see a major boost.  His new contract will likely come with a large signing bonus that will sharply increase his net worth.  We can conservatively expect Kirk Cousins net worth to increase to at least $50 million over the next few years.  Even with this new found wealth, some might wonder if he will ever upgrade his van that he purchased years ago from his grandmother.  With his frugal mentality and top-notch ability to lead an NFL team, a big payday and a big net worth are in Kirk Cousins immediate future.

Budget Smart, Invest Wise

Jordan Peele’s Net Worth

Jordan Peele is a 39 year old actor and comedian who has been around Hollywood for a number of years.  He is most widely known for his show on Comedy Central called Key and Peele, where he co-stars with Keegan-Michael Key.  Born and raised in New York City, Jordan dropped out of college to pursue his comedy career.  A move that has paid countless dividends and given Peele his current net worth.  Jordan Peele’s net worth sits at $14 million.

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Jordan Peele

Peele has been cast into the spotlight recently for his directing work in the recent hit, Get Out.  It was the first film he directed by himself and has received four nominations for the 90th Academy Awards.  The four nominations include, Best Picture, Best Director, Best Original Screenplay and also Best Actor for the film’s lead, Daniel Kaluuya.  Many believe that the success of this film will add greatly to Jordan Peele’s net worth.

Jordan Peele has spent his acting career appearing in several movies including Little Fockers and Wanderlust just to name a few.  The main source of his net worth comes from the work he does on various shows.  He has done many voice overs for characters of TV shows including Robot Chicken, Bob’s Burgers, and American Dad!  He is mostly recognized for the show he helped create, Key & Peele.  On the show, he and his co-star Keegan-Michael Key do various sketches that poke fun of modern day society.  They are seen here below doing a skit aimed to make fun of NFL players who often announce their colleges before a nationally televised game.

At 39 years of age, Jordan Peele is fairly young in terms of his acting career.  He has many promising years ahead of him not only on the TV screen, but also in the director’s chair.  While Jordan Peele’s net worth currently sits at $14 million, it could get a massive boost in the coming years if he decides to take on directing full time.  We have seen first hand the talent he has when it comes to creating shows, but the whole world now can see his ability to create a box office hit.

Often times celebrities are cast into the spotlight whether they like it or not, but Jordan manages to keep a relatively low profile.  He is married to his wife Chelsea and the two have one son together.  The couple secretly eloped back in 2016 away from the cameras.


Need Insurance? Try These Money-Saving Tips

Managing one’s finances can be a challenge for anyone, but that’s especially true if you’re newly living on your own. Assuming you were previously covered by your parent’s policies, you may feel a bit of “sticker shock” as you encounter higher premiums for new auto or renter’s insurance. Fortunately, following a few smart tips can ensure you get the best coverage for your dollar.

Check for Education-Related Discounts

A June 2015 NerdWallet article explains that because insurance companies factor in a driver’s educational level when they calculate that individual’s risk and offer a policy. Although this may be due to insured motorists with higher education and higher incomes paying for smaller repairs out of pocket, which can affect the number of overall claims they file.

Given the pushback from some consumer advocacy groups, it’s unclear how much longer some insurers will continue offering discounted rates to people with undergraduate or advanced degrees. If you’re still in school, however, you may also qualify for a good student discount based on your academic performance. Either way, you want to ask about these types of savings when you talk to your local insurance agency about coverage.

Consider Your Deductibles

You may be able to keep costs down by choosing a higher deductible, according to a 2016 Consumer Reports guide. The tricky part is balancing the savings you get from lower premiums with your ability to pay that deductible out of your own pocket. Depending on the amount you select, you could save between 30 and 40 percent, especially if your driving record is already clean and claim-free. Nevertheless, make sure you can comfortably pay that deductible in case you do end up in a wreck.

Add a Renter’s Policy to Your Coverage

Many landlords and property companies now require tenants to carry renter’s insurance as a condition of their leases. Even if yours doesn’t, it’s still a smart idea to add rental insurance to your total indemnity package. The Muse clarifies that these policies typically cover belongings inside your unit and pay for financial losses from fire, theft, or other types of claims, as well as liability for damage resulting from negligence. Keep in mind that they may not reimburse for some kinds of losses, such as:

  •          “Acts of God” including flooding, earthquakes, mudslides, or nuclear accidents
  •          Items that cost significantly more than your policy’s coverage limit, such as pricey jewelry or custom equipment
  •          Injuries caused by certain breeds of dogs, such as Rottweilers or Doberman Pinchers

Purchasing both auto and rental products from the same company will likely net you some savings, which is why shopping for both simultaneously is a wise idea.

Smart Shopping Can Lead to Savings

Insurance coverage is a must if you drive or rent an apartment, but it pays to do your homework when you shop. Ask about education-related discounts or potential savings from bundling auto and rental policies. While you’re at it, consider choosing a higher deductible but make sure you can pay if you end up with a claim. With money-saving moves like these, you won’t have to empty your wallet each month to pay for coverage.