Angelo Castillo

How to Get PAID If Your Luggage Gets Damaged 🧳 This happens more than you may think. People mishandle bags, freak accidents or simply it gets crushed underneath a bigger bag. But don’t worry, you’re about to get paid :) Just make sure you have picture proof of your luggage before so it’s undeniable. Has this ever happened to you before? #luggage #airlines #spirit #boeing #southwest #travel #travelhack

The Truth About The Diamond Industry 💎 The diamond industry is a fraud. They inflate their prices by artificially lowering the supply and by brainwashing a generation that spending a downpayment on a piece of rock is the only measure of someone’s love. Lab grown and .90 carat diamonds are TENS OF THOUSANDs of dollars than “regular” 1 carat diamonds. Lab grown> #diamond #dabeers #personalfinance #finance

New Automatic Refund Law for Airlines! 🛫 Last year the DOJ passed a new mandates that states that airlines HAVE to give you an automatic refund if your flight gets cancelled or significantly delayed. They technically gave the airlines a grace period of 12 months to help the transition, but that should end around April of this year You are entitled to a refund if: 1. Flight Cancellation: Your flight is canceled and no alternative is provided. 2. Significant Changes: Your flight's time changes by 3+ hours domestically or 6+ hours internationally, changes airports, adds connections, or downgrades your class. 3. Baggage Delay: Your checked baggage arrives over 12 hours late domestically or 15-30 hours late internationally. 4. Service Failures: Paid services like Wi-Fi, seat selection, or in-flight entertainment are not provided. 5. Health Advisories: You're advised not to travel due to a serious communicable disease during a public health emergency. Has any of these happened to you before? #airlines #spirit #travelhack #travel #boeing #DOT

Why Nespresso Looses Money Everytime they Sell Coffee Machines ☕ It’s crazy, but Nespresso doesn’t make money on their machines—they actually lose money. But that’s all part of their genius strategy. The real profit? Coffee pods. Once you’re in their ecosystem, you’re locked into buying their pods, which have huge profit margins. Even better, since pods are a recurring purchase, Nespresso makes money every time you make a cup of coffee. What other companies use this strategy? cough cough Xbox… costco…. #nespresso #business #marketing #money #capitalism #personalfinance #LearnOnTikTok #moneytok

Why Costco Loses Money on Their $1.50 Hotdog 🌭 Even though every single thing in existence is rising in price, the hotdog remains $1.50. If you adjust for inflation, the hotdog really should cost around $4.40 (which is still a great deal imo) The famous hotdog is one of costco’s many loss leaders. They lose money on it intentionally just to keep their customers happy (keep paying membership) and to get them in the door so they can buy more stuff. Works like a charm, how many times have you went for a hotdog and left with a whole grocery haul? #costco #business #money #businessnews #personalfinance #LearnOnTikTok #moneytok

FTC’s New “Click To Cancel” Rule 👿 Say goodbye to confusing and long cancellation processes! According to a new FTC rule, companies are no longer allowed to make cancelling subscriptions annoying long or confusing. Many companies do this because they know that most people will just give up and end up forgetting about their membership. Think amazon prime, netflix, curology and the most infamous, PLANET FITNESS. What do you think about this rule? What other companies make it hard to cancel? #business #FTC #planetfitness #money #biz #biztok #hustle #moneytok #personalfinance #fintok #learnfromme

How Taxes ACTUALLY Work 💵 We are in a marginal tax bracket, meaning you only pay the higher tax rate on the income within that bracket, not your entire income. For example, if: - 10% tax applies to $0–$10,000 - 20% tax applies to $10,001–$20,000 And you make $15,000: - You pay 10% on the first $10,000 ($1,000) - You pay 20% on the remaining $5,000 ($1,000) So always take the bonus and try to make more money 😉 #taxes #money #savingmoney #personalfinance #makingmoney #LearnOnTikTok #moneytok

Don’t Do This “Reselling” Scam 👿 I’ve been seeing a rise of people claiming to be making bank by “reselling”, only to find out that they’re just buying fake goods from china and selling them as real. Love the hustle, but you’re giving reselling an even worse connotation than it already has and building a house on sand. This started a couple years ago when people were buying fake airpods and selling them on facebook marketplace. Some people were listing them as replica’s and some weren’t. Now the same thing is going on but with stock x and goat bc their system for authenticating items is absolute dog sh*t. For those who do it who are reading this… This will not last. Get your bread, but think long term. You have the basic foundation of reselling, the hustle, and im sure you love working for yourself. Use this experience, capital, and proof of concept and learn e-commerce the legit way. Start a clothing brand, sell on amazon, ebay, tiktokshop ANYTHING! May not be as easy or flashy as what you’re doing right now, but think about the long term. Play stupid games, win stupid prizes. I made a free doc on how to make your first 10k reselling the legit way. Link in bio for the free 0-10k guide! Don’t hate the messenger, just looking out for yall. Good luck 🫡 #reselling #ecom #ecommerce #money #sidehustle #m#moneytokp#personalfinancef#fintoklearnfromme

Exposing The Banking System 😈 🏦 Comment “Bestbanks” to get my how-to guide & top offers for HYSA’s! If you don’t have a HYSA yet, you are leaving HUNDREDS of dollars on the table. For absolutely no reason. HYSA’s are one of those things that seem to good to be true, but is actually true. Traditional savings account give you .01% in interest then lend your money to other people and charge 7%+ on your money. HYSA’s are online banks that give you 4%+ on your money, while being equally as safe and convenient as other banks. Be smart guys, get a HYSA! #banks #hysa #money #saving #savings #banking #personalfinance #finance #savingmoney

How Much Does it Cost To Franchise Your Own Subway? 🥪 Have you ever wondered how much it costs to own your own Subway? Well it costs just $15,000 to start! BUT….. That is only to get in the franchise… There are a ton of other fee’s and cost that really add up. Which makes sense because they are giving you and established brand and menu. Would you own a subway? #subway #money #franchise #personalfinance #business #LearnOnTikTok #moneytok

POV: You Lose Your Debit Card VS. Credit Card 💳 Link in bio for my top credit card offers! I love credit cards, I got hella. They are a great tool to travel for free, protect yourself from fraud, get amazing cashback rewards and of course, build your credit. BUT if you do not know how to properly use it, you will ruin your life and trap yourself in a never ending cycle of debt. All you have to do is abide by these rules: 1. Pay it off ON TIME 2. Pay in Full 3. Never spend more than you have 3. Set up automatic payments Easy! What’s your favorite Credit card? #creditcard #credit #creditcardpoints #travel #debitcard #personalfinances #finance

Back to your regularly scheduled brain rot 🫡 Why Airport Foods Are So Expensive ✈️ I’ve always thought airport prices are just reidiclously high because they know we have no other places to go. But turns out, it’s because they have to, not that they want to! Which makes sense, more security, more fees, but also higher foot traffic and less competition. Pro tip: just bring food to the airport. It’s 100% allowed. #travel #travelhack #traveling #airport #airlines #personalfinance #finance #money #savemoney

Exposing The Healthcare System 🏥 The healthcare system in the states is a complete joke. Hospitals are incentevised to inflate prices and make billing mistakes, insurance companies drain hundreds of dollars just to deny healthcare…. Oh yeah. and someone unalived the CEO of united healthcare. It’s a mess over here. Do you have any horrermedical/insurance stories? IB: @Imran | The Finance Engineer he’s the goat! #healthcare #unitedhealthcare #money #fintok #healinsurance #insurance #medicaid

Starting a business isn’t as hard as you think... ⤵️ When I first started my 2 businesses in school, knew absolutely NOTHING. All I had was dreams of a better life and my natural stubbornness that my mom always complains about. Nothing made sense to me. I was scared. I was alone, and terribly broke. But I did it anyway. I made mistakes, and learned along the way. These terms and concepts on the screen, I learned the hard way. It wasn’t until my last year of college that I finally had a definition to the things I was doing. I hope this helps and gives you confidence to take that leap. Start that business. Get the reps in and watch your life change. #business #motivation #mindset #money #entrepreneur #hustle #businessmindset #grind #moneytok #personalfinance #fintok #learnfromme

Sneaky Reason Why Stores Asks For Donations 😈 Ever been asked to “round up” your total at checkout for charity? Sounds generous, right? But here’s the sneaky reason why stores do this… They take YOUR donation, write it off as THEIR tax deduction, and save money! You feel good, money goes to charity, and corporations get a tax break. Win-win-win? 🤔 If you really want to donate, it’s usually better to give directly to the charity. Just something to think about! #moneytips #charity #business #finance #fintok #moneytok #savemoney

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How To Turn 12 PTO Days Into 45 Vacation Days 🏝️ Figuring out what to do with your PTO days is a hassle. Especially if you get so little. Here how to make the most out of it and turn 12 into 45 vacation days! Have you ever tried this? #pto #vacation #boss #corporate #job