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Tracey's Turf, New York, NY (2026)

02/18/2025

🚨Hi Everyone! It’s been a while but please note my Tracey’s Turf FB page has been duplicated by a scammer. Please don’t respond to any direct messages from that page. I would never inbox you directly especially related to specific investments. If you do get a message please report the page ASAP!

08/11/2023

🎉Celebrating 50 years of Hip Hop! 🎶✨ On this day, August 11th, 1973, the beats began in the heart of my birthplace, Bronx, New York. As a lifelong music lover and a Caribbean woman, I'm paying homage to the genre that has shaped many generations and served as an important form of self expression for people of color.

Hip Hop ignited a movement that not only unites unique voices but empowers dreams. As we mark this milestone, let's amplify our individuality, embrace our differences, and continue to break barriers together.🕺🏽🔥

06/27/2023

Investing does not have to be complex. It just has to be consistent. The earlier you start the better your results.

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06/20/2023

After years of trying to get my credit card debt under control—five figures worth 😓—I finally did it. I paid them off. 💳🚫

For years, I’ve gone through the cycle of accumulating credit card debt and then paying it off. 🔄 But in recent years, my credit card balance rose to 40% outstanding. It was a scary number that was suppressing my FICO score. 😑

The road was not easy but by staying vigilant and remaining flexible, I reached my goal despite it taking longer than expected. 💪🗓️

With both credit card debt and interest rates on the rise, it’s more important than ever to pay off our credit cards. 💳⬆️

Here’s what I did to reach my goal:

1️⃣ Created A Budget & Tracked My Monthly Spending 📊💰

2️⃣ Temporarily Focused My Spending On Needs And Not Wants 🛒🙅‍♀️

3️⃣ Got A Higher Paying Job and put the extra income towards my balance 💼💸

4️⃣ Temporarily Cut Back My Monthly Savings to ⬆️ my payments ⚖️

5️⃣ Less Outdoor Dining 🍽️🚫, which by far was the HARDEST for me‼️😩This one is different for everyone—Excessive Shopping, Frequent Traveling, Tech Gadgets, High End Purchases, Too Many Subscriptions, etc.

6️⃣ I Took Advantage Of The Pause on my remaining grad school loans. 📚

✨Bonus✨When my strategy wasn’t moving fast enough for me, I got aggressive and started using a Cash Envelope system, which helped me double down on my payments. 💵

📉 By allocating a specific cash amount for groceries, eating out, and other variable bills, I managed to cap my monthly spending on each of these and put the extra cash towards my credit cards. 📆💳💼

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06/16/2023

The Mediterranean, build-your-own-bowl chain, CAVA made its debut on the stock market on Thursday, June 15th after its IPO at $22 a share on Wednesday, June 14th.

🤔💰✨Investing in stocks? 📈 Here are some stock buying essentials to consider before investing in individual stocks:

1️⃣ Company fundamentals: Evaluate its financial health, growth prospects, and competitive advantage.

2️⃣ Industry trends: Research the sector's outlook and potential for long-term growth.

3️⃣ Trust the team: Assess the leadership's experience, track record, and strategic vision. Do you trust them to make the right decisions? Experienced leaders and strategic vision can drive success.

4️⃣ Valuation matters: Evaluate stock price compared to earnings, dividends, and peers. Are you comfortable with where the company falls in this range?

5️⃣ Risk assessment: Understand potential risks, such as market volatility, regulatory changes, or company-specific challenges.

6️⃣ Diversify for safety: Spread investments across different sectors and asset classes to reduce risk.

7️⃣ Think long-term: Focus on a company's potential, not near-term fluctuations or short-term hype.

8️⃣ Do your research: Gather information from reliable sources to make well-informed decisions.

💡Personally, as a rule of thumb I try to limit the amount of individual stocks I own to no more than 15% of my investment portfolio, 20% if I feel daring. 🤌

Is there anything you would add to this list?

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06/14/2023

Don't let your hard-earned money lose value over time! 💸💔 Investing is a great tool to help you take charge of your financial future while allowing you to beat inflation.

Did you know that even sitting in a High Yield Savings Account (HYSA), your money will be worth less tomorrow than it is today⁉️It will be worth EVEN LESS next year than it is worth this year. 📉

This is why we invest. 📈 To allow your money make more money for you while you sleep. 💤

💡 We know investing can significantly bolster wealth, yet some still hesitate. In your opinion, what are the main reasons that prevent people from starting their investment journey? 🤔💼 Share your insights and let’s bridge the gap between knowledge and action! 💪💰

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06/10/2023

📈 Here’s a quick snapshot of the S&P 500 that can help you make informed investment decisions! 🌟 Let’s dive into the world of investing together. 💪💰

💡Did you know? Over the past 100 years, the S&P has consistently delivered an average of 10% returns, even despite challenging times! 📊✨ Investing for the long term (10+ years) greatly reduces risks, as the S&P has a historical upward trajectory. ⏳⬆️

Take charge of your financial journey! 💼 Embrace the opportunities the S&P offers during downturns and recessions. 🚀🌊 Set your investments on autopilot and allow them to grow steadily. 💸

💡 Ready to learn more about investing? Drop a comment below and let’s discuss the power of the S&P together! 🗣️📈

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06/06/2023

🚨The SEC filed a lawsuit against Binance, the world's largest crypto trading exchange, and its CEO CZ for securities law violations. As part of the lawsuit, The SEC stated Binance allegedly solicited US investors into crypto trading without proper registration.💰💻

In the SEC lawsuit, coins like Solana, Cardano, Solana, Polygon, Aground, Decentraland, and more were listed as unregistered crypto asset securities. 📜

While somewhat unrelated, this comes at an interesting time as the government has started placing a heavy focus on developing CBDCs, which are heavily blockchain based. Let's dive into CBDCs, their uses, and their impact and how they differ from cryptocurrency.💡

💳 Get ready for a new era of digital currency. Central Banking Digital Currency (CBDCs) are digital money issued by central banks. They make payments faster, cheaper, and promote financial inclusion. 🌍

CBDCs give governments more control over money flow, which allows them to track transactions and fight money laundering.🔒 This also allows them to implement tighter monetary policies. 📊

The pros of CBDCs are: 1) Efficient transactions ⚡ 2) Financial inclusion 🤝 3) Enhanced security against counterfeit money 🔒 4) Transparent tracking and auditing 🕵️‍♂️ and 5) Improved monetary policy responses 💸

The cons of CBDCs are: 1) Privacy concerns 🕶️ 2) Technical challenges for secure infrastructure 🔐 3) Potential disruption to traditional banking 🏦 4) Adoption challenges 😓 and 5) Addressing public trust 🤔

Binance's CEO views CBDC development as a positive move because it builds trust for skeptics and validates the use of blockchain technology. 👍

Binance's case may reflect an increase in regulatory scrutiny over crypto trading platforms, however, CBDCs and cryptocurrencies have different structures.

CBDCs represent government centralized digital payments while cryptocurrencies like Bitcoin are decentralized digital assets. 🏦⚖️💻

Both CBDCs and cryptocurrencies operate on blockchain technology, but they differ in privacy levels and purposes. 🔄 Cryptocurrencies have varying privacy levels and offer other benefits beyond simplifying payments. 🌐

114 countries (covering 95% of global GDP) are currently exploring the implementation of CBDCs. 🌍 The US Federal Reserve has yet to decide on CBDC issuance as they await government authorization. Stay informed about the impact of the changing cryptocurrency and CBDC landscape with !

Share your thoughts in the comments! 💬💭

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06/02/2023

We made it through another week! And the weekend is finally here! 🙌

Let this be a reminder that life's road may be paved with challenges, but remember, you're not alone in this journey. 👥

Each hurdle you face is an opportunity for growth and inner strength. Don't let tough times define you; let them refine you. ✨

Embrace your struggles—they hold the power to shape you into an even more incredible version of yourself. Keep pushing forward, knowing that brighter days await. 🌈💪

✨Grow through what you go through. ✨

📍 Punta Cana, Dominican Republic

06/01/2023

Hello June! We're halfway through the year, and it's the perfect time to check in on our vision boards and goals. Let's amp up our savings, conquer financial hurdles, and prioritize self-care. Keep pushing forward, because amazing things happen when we dream big and take action. 💪🌼

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05/29/2023

The President of the United States & Kevin McCarthy struck a deal on the debt ceiling, avoiding a US default. Details are still emerging, but CNN offers early insight on the agreement.

Here's how it can impact on you…

As part of the deal:

1⃣ The debt ceiling agreement includes raising the limit from $31T to cover the next two years.

2⃣ There will be a cap on non-defense spending: spending in 2024 remains flat while a 1% increase is expected in fiscal 2025.

3⃣ Great news for veterans! Full funding for veterans' health care is maintained, and the toxic exposure fund under the PACT Act will receive an approximate $15B boost in 2024.

4⃣ Work requirements for certain adults receiving food stamps will be temporarily broadened from 18 to 49 to 18 to 54.

5⃣ SNAP program changes ahead! The deal expands exemptions for veterans, the homeless, and others, but all modifications will end by 2030.

6⃣ Medicaid is being tweaked to introduce work requirements.

7⃣ Unspent Covid-19 relief funds worth $4.5T will be clawed back.

8⃣ Student loan borrowers will be required to resume repayment after the pandemic pause. However, a specific repayment start date was not specified.

9⃣ Good news for borrowers: The agreement maintains Biden's plan for up to $20K in debt relief, pending a Supreme Court ruling in the coming weeks.

The agreement still needs to go through both Congress and The Senate before it’s finalized.

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05/27/2023

🔒 Stay Ahead of Cyber Threats 🔒

In an increasingly digital world, protecting your personal information--both personal and financial--is more important than ever. 🌐💻

From online shopping to social media, every online activity exposes us to potential cyber risks. But fear not! 💪✨

The Turf has you covered! Here are five simple yet effective cyber hygiene tips that you can implement in your daily routine to stay safe and secure online. 🛡️

1️⃣ Strong Passwords: Use strong, unique passwords for each of your accounts and change them regularly. Avoid using easily guessable information such as birthdays or pet names, and consider using a password manager to keep track of them.

2️⃣ Two-Factor Authentication: Enable two-factor authentication (2FA) whenever possible to add an extra layer of security to your accounts. This can include a code sent to your phone or email, or even biometric authentication like fingerprint or facial recognition.

3️⃣ Keep Software Updated: Keep your operating system and software up-to-date to ensure you have the latest security patches and bug fixes. This can help prevent hackers from exploiting known vulnerabilities in outdated software.

4️⃣ Think Before You Click: Be cautious when clicking on links or downloading attachments in emails or messages, especially from unknown or suspicious sources. Hover over links to check their legitimacy, and always scan attachments with an antivirus program before opening them.

5️⃣ Public Wi-Fi: Be cautious when using public Wi-Fi networks, as they are often unsecured and can leave your data vulnerable to interception. Avoid sensitive activities like online banking or shopping on public Wi-Fi, or use a virtual private network (VPN) to encrypt your traffic.

By following these simple tips, you can reduce your risk of falling victim to cybercrime and keep your personal information safe online. Remember, good cyber hygiene is an ongoing process that requires awareness and diligence, so stay vigilant and stay secure! 🔒

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Tracey's Turf

02/18/2025

08/11/2023

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06/16/2023

06/14/2023

06/10/2023

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