Wells Fargo Checkbook Cover: Fill & Download for Free

I have numerous business accounts, plus several personal accounts, and an account or two that my wife uses for household expenses.I check her accounts once or twice a year, just to make sure she has the funds available that she needs. She checks her bank accounts a few times a week.Having a phone makes viewing my accounts much easier, so I look much more often than I did when we all just had pagers on our belts.I check my business accounts on my phone when I wake up in the morning and quickly scan them several times throughout the day to see that they are flowing the way I expected. At some point after the bank has closed, I’ll take a final look to make sure everything is going well and that there are no unexpected issues.A week ago, a client gave me a check for over $36,000… it didn’t clear. They had written it using an older checkbook. That account number had been changed because their bank account was hacked. They forgot to get rid of their old checkbook, so the bank sent their check back because it didn’t recognize their old account number. I knew that there was an issue before my personal banker knew. I knew my client had ample funds to cover his $36,000 check, we just had to figure out what the issue was. It was resolved and their replacement check cleared instantly.Right now, I’m waiting on one client to cash a check that I wrote him, and personally handed him, for over $15,000… it’s been a week and he still hasn’t deposited it. As soon as that check clears, everything else is just tiny checks, or larger checks that usually get deposited the same day.I’m not going to count my bank accounts, but a few businesses ago, I had 25 bank accounts with Wells Fargo. I closed a few and started a few more. It’s probably close to the same number today. They are not the only bank that my wife and I have accounts with, but they do have the vast majority of our bank accounts.

Building wealth can be one of the most exciting and rewarding undertakings in a person's life. Aside from providing a more comfortable day-to-day experience, a substantial net worth can reduce stress and anxiety as it frees you from worrying about putting food on the table or being able to pay your bills. For some, that alone is enough motivation to start the financial journey. For others, it's more like a game; the passion beginning when they receive their first dividend check from a stock they own, interest deposit from a bond they acquired, or rent check from a tenant living in their property.All you need is drive, a focused mind, stable emotions and knowledge.When I mean Knowledge I don’t mean having the IQ of Albert Enistein or Stephen hawking if having higher IQ mean’t you would be richer then in that case people like Stephen hawking would be billionaires. But they are not.“First you Learn, then you remove the LWith that being said, to become rich you need to invest 35% of your monthly income into equity (bonds and shares) and by becoming rich through investing you need little to no networking skills.Now you may ask, why should I buy shares?Answer - Shares are designed to provide investors with two types of return, annual income and long-term capital growth.Most shares offer income in the form of dividends, which are typically paid twice a year. Dividends can be seen as a reward for shareholders. They are paid when a company is profitable and has cash in the bank after it has satisfied all its obligations.Long-term (Going Long) capital growth comes about when a share price increases over a period of time.You need to contact your local bank/brokerage firm, open a account after filling in your financial details and providing certain documents (which they will request) and after that you can have your portfolio and start investing in equity (Buying and Selling Shares, Bonds etc)Opt for opening a “MIP” (Monthly Investing Plan) since this way you just send 35% of your monthly salary and your brokers will do the investing for you so its not a big headache for you.I usually invest my money into Shares and Bonds, to be more exact, I put my money into a diversified portfolio which covers buying shares of top companies in different industries (since its better to put your eggs in different baskets than putting all your eggs in one basket since by doing so you are allowing yourself to be prone to a recession which in turn will knock all your eggs into the concrete floor below)I buy based on the reason that I will be holding these shares for the next 50–60 years and I have no intention of selling them in the near futureHonestly you really do not have to be a genius to be rich so get that thought out of your mind, be positive and start learning and reading as much as you can about finance and investing.1. Think about the money in a different way :The general population has a love / hate relationship with wealth. Some resent those who have money while simultaneously hoping for it themselves. Yet, absent some fairly specific exceptions, in a prosperous and free society, the reason a vast majority of people never accumulate a substantial nest egg is because they don't understand the nature of money or how it works. This is, in part, one of the reasons that the children and grandchildren of the wealthy have a so-called "glass floor" beneath them.They are gifted knowledge and networks that allow them to make better long-term decisions without even realizing it. A fascinating example comes from the field of behavioral economics and involves first-generation college graduates accumulating lower levels of net worth for every dollar in salary income due to not knowing about basic concepts such as how to take advantage of 401(k) matching.The bigger principal here is that capital, like a person, is a living thing. When you wake up in the morning and go to work, you are selling a product - yourself (or more specifically, your labor). When you realize that every morning your assets wake up and have the same potential to work as you do, you unlock a powerful key in your life. Each dollar you save is like an employee. Over the course of time, the goal is to make your employees work hard, and eventually, they will make enough money to hire more workers (cash).When you have become truly successful, you no longer have to sell your own labor, but can live off of the labor of your assets. In my own life, my entire career has been built on getting out of bed in the morning and trying to create or acquire cash-generating assets that will produce more and more funds for me to redeploy into other investments.2. Develop an understanding of the power of small amounts :The biggest mistake most people make when trying to figure out how to get wealthy is that they think they have to start with an entire Napoleon-like army of funds at their disposal. They suffer from the "not enough" mentality; namely that if they aren't making $1,000 or $5,000 investments at a time, they will never become rich. What these people don't realize is that entire armies are built one soldier at a time; so too is their financial arsenal.A family member of mine once knew a woman who worked as a dishwasher and made her purses out of used liquid detergent bottles. This woman invested and saved everything she had despite it never being more than a few dollars at a time. Now, her portfolio is worth millions upon millions of dollars, all of which was built upon small investments. I am not suggesting you become that frugal, but the lesson is still a valuable one. That lesson: Do not despise the day of small beginnings!3. With Each Dollar You Save, You Are Buying Yourself Liberty :When you put it in these terms, you see how spending $20 here and $40 there can make a huge difference in the long run. Given that money has the ability to work in your place, the more of it you employ, the faster and larger it has a chance to grow. Along with more money comes more freedom - the freedom to stay home with your kids, the freedom to retire and travel around the world, or the freedom to quit your job. If you have any source of income, it is possible for you to start building wealth today.It may only be $5 or $10 at a time, but each of those investments is a stone in the foundation of your financial freedom.4. You Are Responsible for Where You Are in Your LifeYears ago, a friend told me she didn't want to invest in stocks because she "didn't want to wait ten years to be rich..." she would rather enjoy her money now. The folly with this type of thinking is that the odds are, you are going to be alive in ten years. The question is whether or not you will be better off when you arrive there. Where you are right now is the sum total of the decisions you have made in the past. Why not set the stage for your life in the future right now?These aren't empty feel-good words or admonishments. I'm going to repeat it again: Where you are right now is the sum total of the decisions you have made in the past. Your life reflects how you spend your time and your money. Those two inputs are your destiny.5. Consider Becoming an Owner of Things You Understand as a First Step to Building WealthOne of the big intellectual and emotional hang ups people seem to have when they aren't exposed to wealth or wealthy families is making the connection between productive assets and their every day life. They don't understand, on a visceral level, that if they own shares of a company such as Diageo, every time someone takes a drink of Johnnie Walker or Captain Morgan, a portion of that money is making its way back to the corporate coffers for ultimate distribution to them in the form of a dividend.They don't truly understand that if they stand outside the gates at Disneyland and watch people walk into the park, if they own The Walt Disney Company, they enjoy their share of any profits generated from those guests.Rich men and women have a habit of using a disproportionate percentage of their income to acquire productive assets that cause their friends, family members, colleagues, and fellow citizens to constantly shovel money into their pockets. Consider, as you read this, that you've probably never met me. Yet, if you've ever eaten a Hershey's bar or a Reese's peanut butter cup, you've indirectly sent me real cash. If you've ever taken a sip of a Coca-Cola or eaten a Big Mac, you've indirectly sent me real cash.If you've ever taken out a student loan or borrowed money to buy a house from a bank like Wells Fargo, you've indirectly sent me real cash. If you've ever ordered a cup of coffee at Starbucks, you've indirectly sent me real cash. If you've ever purchased Colgate toothpaste or used Listerine mouth wash, swiped a Visa or MasterCard or filled up your car with gasoline from an Exxon Mobil station, you've indirectly sent me real cash. I wasn't gifted those ownership stakes. I didn't inherit those ownership stakes.I started with nothing and made a decision that my highest, and first, financial priority was to acquire ownership of productive assets early in life. It was a matter of priorities. By respecting every dollar that flowed through my hands, and making a conscious, informed decision about how I wanted to put it to work, the miracle of compounding did the heavy lifting.When you understand this, you understand that, in societies such as the United States where the trend for several centuries has been lower and lower rates of millionaires and billionaires being made up of first-generation, self-made rich, building wealth is often the by-product of behavioral patterns that are conducive to building wealth. It's basic mathematics. Replicate the behavior and net worth tends to accumulate.The Balance does not provide tax, investment, or financial services and advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk including the possible loss of principal.#6: Study and Admire Success and Those Who Have Achieved It... Then Emulate ItA very wise investor once said to pick the traits you admire and dislike the most about your heroes, then do everything in your power to develop the traits you like and reject the ones you don't. Mold yourself into who you want to become. You'll find that by investing in yourself first, money will begin to flow into your life. Success and wealth beget success and wealth. You have to purchase your way into that cycle, and you do so by building your army one soldier at a time and putting your money to work for you.#7: Realize that More Money is Not the AnswerMore money is not going to solve your problem. Money is a magnifying glass; it will accelerate and bring to light your true habits. If you are not capable of handling a job paying $18,000 a year, the worst possible thing that could happen to you is for you to earn six figures. It would destroy you. I have met too many people earning $100,000 a year who are living from paycheck to paycheck and don't understand why it is happening. The problem isn't the size of their checkbook, it is the way in which they were taught to use money.To gain wealth you do not need to be a genius you just need basic knowledge about investing, and learning about finance is not rocket science!