### WordPress - Web publishing software
Copyright 2011-2019 by the contributors
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
This program incorporates work covered by the following copyright and
permission notices:
b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
http://tidakada.com
Wherever third party code has been used, credit has been given in the code's
comments.
b2 is released under the GPL
and
WordPress - Web publishing software
Copyright 2003-2010 by the contributors
WordPress is released under the GPL
---
### GNU GENERAL PUBLIC LICENSE
Version 2, June 1991
Copyright (C) 1989, 1991 Free Software Foundation, Inc.
51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA
Everyone is permitted to copy and distribute verbatim copies
of this license document, but changing it is not allowed.
### Preamble
The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.
When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
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this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
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To protect your rights, we need to make restrictions that forbid
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We protect your rights with two steps: (1) copyright the software, and
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The precise terms and conditions for copying, distribution and
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### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
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"Program", below, refers to any such program or work, and a "work
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included without limitation in the term "modification".) Each licensee
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Activities other than copying, distribution and modification are not
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is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.
**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.
You may charge a fee for the physical act of transferring a copy, and
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when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)
These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
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Thus, it is not the intent of this section to claim rights or contest
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In addition, mere aggregation of another work not based on the Program
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**NO WARRANTY**
**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
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WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
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RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.
### END OF TERMS AND CONDITIONS
### How to Apply These Terms to Your New Programs
If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.
To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.
one line to give the program's name and an idea of what it does.
Copyright (C) yyyy name of author
This program is free software; you can redistribute it and/or
modify it under the terms of the GNU General Public License
as published by the Free Software Foundation; either version 2
of the License, or (at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA.
Also add information on how to contact you by electronic and paper
mail.
If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:
Gnomovision version 69, Copyright (C) year name of author
Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
type `show w'. This is free software, and you are welcome
to redistribute it under certain conditions; type `show c'
for details.
The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.
You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:
Yoyodyne, Inc., hereby disclaims all copyright
interest in the program `Gnomovision'
(which makes passes at compilers) written
by James Hacker.
signature of Ty Coon, 1 April 1989
Ty Coon, President of Vice
This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
5 Things Rich People Buy That Jeopardize Their Wealth - sinth.info
Having the resources to afford a new home or live comfortably is the kind of thing most people dream of. Reaching money milestones like these is a big deal, but unfortunately, even high-income people can frequently jeopardize their wealth potential by falling into poor financial traps.
“In the world of finance, high earners often make the mistake of acquiring depreciating assets like luxury cars or extravagant real estate, hindering their ability to accumulate wealth,” said Ben Gold, founder of Recommended Home Buyers. “Misguided investments and excessive spending on non-essential items can impede the journey to financial freedom, even with a substantial income.”
Experts say that understanding and avoiding these financial pitfalls can pave the way for the wealthy to achieve lasting financial security.
While a nice house in a prestigious neighborhood might be a status symbol, it’s often a large drain on one’s resources, according to Michelle Delker, CFO, CPA, founder of The William Stanley CFO Group. “Upkeep, property taxes, insurance, and interest payments on home loans can add significantly to monthly costs,” she said, noting that more modest living arrangements could lead to substantial savings that could be invested prudently.
“Purchasing a large, lavish home is often seen as a sign of wealth and success,” said Keith Sant, CEO and investment advisor at Kind House Buyers. However, he added that these homes often come with high maintenance costs and can tie up a significant portion of one’s wealth in a non-liquid asset. “Instead of focusing on the size and grandeur of their homes, wealthy individuals prioritize investing in income-generating properties or diversifying their portfolio with various types of real estate.”
Luxury cars might look attractive, but they depreciate quickly and require costly maintenance. Delker noted that a more cost-effective approach would be to invest in a reliable, fuel-efficient car and put the difference to work in a portfolio that generates appreciating returns.
“Many people associate luxury cars with wealth,” said Shaun Martin, CEO of We Buy Houses In Denver. But he noted that these high-end vehicles can quickly become a financial burden. “Rich individuals often purchase expensive cars as a status symbol, but the cost of maintenance, insurance, and depreciation can add up over time.”
Expensive Clothes and Accessories
Designer clothing, while a sign of affluence, tends to become outdated rather quickly due to changing trends, said Delker. These depreciating assets consume a big chunk of money that could have been invested or saved for better long-term wealth creation.
“Rich people often spend large sums of money on designer clothing and accessories, thinking that expensive brands will make them look more affluent,” said Evan Tunis, president of Florida Healthcare Insurance. He noted, however, that these items are often overpriced and lose their value quickly. “Instead of investing in quality pieces that will last, they fall into the trap of constantly buying new designer items to keep up with trends.”
Ultra-Expensive Vacations
While rest and recreation are essential, splurging on high-priced trips can also inhibit wealth accumulation. “Opting for modest vacation plans can ensure proper relaxation while preserving funds for investment,” Delker highlighted.
Tunis agrees. “Rich people often take it to the extreme by spending a significant amount of money on extravagant trips. This can include private jet rentals, five-star hotels, and exclusive experiences. While these vacations may be enjoyable, they drain their wealth instead of growing it.”
Skyler Fernandes, financial advisor and founder of Finally Fund Admin, said it’s not just about the tangible cost of these purchases — it’s also about the opportunities missed. High earners may inadvertently overlook the concept of opportunity cost when making lifestyle choices. He added, “For instance, opting for an extravagant vacation might mean missing out on an investment opportunity that could have yielded substantial returns over time.”
Too Many Luxury Items
High-end electronics, artwork, gourmet dining and other luxury goods may seem like marks of a wealthy lifestyle, but they do little in increasing one’s net financial worth, say experts. “Instead, deploying these funds into investment vehicles can help grow portfolios and increase cash inflow,” said Delker.
Additional Money Mistakes of the Wealthy
Failure to prioritize savings and investments for the future can leave wealthy individuals vulnerable to economic downturns or unexpected expenses. Here are some non-purchase mistakes that rich people tend to make.
Ignoring Investing Opportunities
According to Delker, many people with high income don’t invest wisely, either because they lack knowledge or they’re comfortable with their current earnings and lifestyle. “Taking the time to understand and utilize investment channels can multiply wealth exponentially over time.”
“It’s crucial for the affluent to focus on prudent investments, diversify their portfolios, and avoid overcommitting to assets that don’t contribute to long-term financial growth,” said Gold. He believes it’s crucial to embrace a mindset of strategic wealth-building rather than succumbing to societal pressures for extravagant purchases.
“In my experience, early in my career, I witnessed the financial challenges faced by high-income earners who neglected sound financial principles,” Gold explained. “This experience fuels my passion for guiding others to make informed financial decisions.”
Poor Investments
On the flip side, even if you have a high income, investing your money in the wrong places can quickly deplete your wealth, explained Linda Chavez, CEO of Seniors Life Insurance Finder. “Many wealthy individuals are not well-educated in terms of investing and may end up making poor investment decisions that ultimately harm their financial security.”
To avoid falling into this trap, she said it’s important for wealthy individuals to educate themselves on different investment options and consult with a trusted financial advisor before making any big investment decisions.
Failure To Plan for the Future
“Many wealthy individuals focus on enjoying their wealth in the present, without considering their future financial needs,” said Chavez. “This can lead to a lack of preparation for unexpected expenses or retirement.”
For this reason, she stressed that it’s important for high-earners to have a solid financial plan in place that takes into account their long-term goals and potential future expenses. She recommends creating an emergency fund, investing in retirement accounts, and planning for potential healthcare costs.