So I love this day off also! And I love to BBQ with the family and have quality time with them just like everybody else. BUT as you all already know I am a Marine corps veteran I know all too well the fears and anxieties, the 12 hour training days, the loneliness of being aways from your family for sometimes years at a time. The sacrifices wifes and husbands, children and parents make to support their heroes. And I can not help but think and appreciate this day for what it is for. And the men and women who sacrificed so much to help protect this great country of ours. I have said this many times before, I also don’t agree 100% with this countries politics, with our involvements in conflicts, with our rules of engagement. What I do is respect, honor and appreciate all does who serve in our military for they do not make the rules, choose the fights, they just simply serve and are at the ready to give life or limb to protect us with out question. And for this I say THANK YOU! I RESPECT YOU! I APPRECIATE YOU! I SUPPORT YOU! I NEED YOU!
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I read a few articles a couple of weeks ago and was pissed off by the hard sell and grandiose attitude. It upsets me when we are fed these glorious how to become millionaire how to’s. “Learn how to generate multimillion-dollar wealth — and enjoy the journey on your way to the top”. “First, understand that you no longer want to be just a millionaire. You want to become a multimillionaire”. Hears my answer EAT ME! They never give you word for word or step by step directions. Just hyperbole and round about that lead you to a product or service or agenda that they are really trying to sell. And that’s what is truly upsetting to me is that we fall for the fast track, the get rich quick scam the take a magic pill and lose weight or wear the magic electric belt and loose belly fat story. STOP IT!!! Holy shit whats it going to take for us to understand the facts: To lose weight you have to burn off more calories than you take in. PERIOD! Basically eat better and smarter and move more. You know, don’t pound down 5 cheese burgers and take a nap instead eat one cheese burger and take a walk. Now I know it is not that simple, some people have medical issue, mental issues etc. Save your complaints I get it! You are the one who doesn’t get the point of this post. It’s not about fat people or poor people or stupid people it’s about stepping back and thinking, applying some thought and common sense processes. Ok back to the post. For financial health spend less money then you make. Basic math people. The greatest word in math is MULTIPLY! If you make $1,000 a month but spend $1,500 MULTIPLY that by 12 months and you’re in deep shit. Now multiply that by the credit you use to make up that $500.00 you over spent and the criminal interest rates you paid to use that credit by 12 months and now you are in really deep stinky diarrhea shit. On the other hand spend less than you make and save or invest that extra cash, MULTIPLY it by 12 months and now your shit don’t stink now you have some peace of mind, now you are not depressed about money and not arguing with your partner about money and you have a little security, now maybe your credit score is better and you can take advantage of opportunities that might arise to increase your net worth. NET that’s another great word. GROSS doesn’t mean shit if your NET sucks. If you’re gross is a million dollars but your liabilities are 1.5 million then your net worth is negative 1/2 a million and your financial life sucks. Wait, Wait for it, here come the wall street crowd, Pete you are wrong you forgot about leverage in this scenario. And too you I also say EAT ME! You don’t get the point of this post. I have no finance back ground, I am not offering your bullshit advice to my readers so save it. My savvy readers get this post, come back and read their comments. I simply say THINK, RESEARCH, TRUST YOUR GUT, USE COMMON SENCE. Dont allow yourself to become the food in the food chain!
UPDATE: In one of those articles they had rules for becoming a multimillionaire and I have to admit that some of them if you use them in everyday life could be beneficial. So I will copy and past their rules and add/adjust to make them work for me. You are welcome to see if they fit in your life.
And one more thing, when you become a Multimillionaire. Help a brother out! Send me a few bucks.
No. 1: Decide to be a multimillionaire
BIDPETE: How about I first decide I want to be a better person, better father, better husband, better man. Yea I think I will start there and I bet you I will start making better choices, better decisions.
No. 2: Get rid of poverty thinking
BIDPETE: WTF? im just going to ignore this one. I want to remember the hard times, the mistakes so I can enjoy my accomplishments. P.S. I get it I just don’t ever want to lose myself.
No. 3: Treat it like a duty BIDPETE: Yes you have to be focused, committed and work hard every day towards your goals in life. What ever those goals are.
No. 4: Surround yourself with multimillionaires
You can’t learn how to make money from someone who doesn’t have much. Who says, “Money won’t make you happy”? People without money. Who says, “All rich people are greedy”? People who aren’t rich. Wealthy people don’t talk like that. You need to know what people are doing to create wealth and follow their example: What do they read? How do they invest? What drives them? How do they stay motivated and excited? BIDPETE: A big yes. I believe that you have to move out side of your circle of influence to grow. If your circle involves chaos and confusion, or abuse or negativity, poverty, criminality. You can not learn how to move on from this circle. That is why they are still in this circle, they don’t know how to get out of it. You have to look outside of this circle one circle at a time untill you acquire the skill set to move on. I could go on for days on this one. If you don’t make a change today than tomorrow will be just more of the same and so on for years maybe even a life time.
No. 5: Work like a millionaire Financially successful people are consumed by their hunt for success and work to the point that they feel they are winning and not just working. BIDPETE: Hell yea! Just don’t forget to smell the roses. Enjoy your life. Be there for your FAMILY!
No. 6: Shift focus from spending to investing
The rich don’t spend money; they invest. They know the U.S. tax laws favor investing over spending. You buy a house and can’t write it off. The rich, in contrast, buy an apartment building that produces cash flow, appreciates and offers write-offs year after year. You buy cars for comfort and style. The rich buy cars for their company that are deductible because they are used to produce revenue. BIDPETE: Hello! Checkmate! Read this section a hundred time please!
No. 7: Create multiple flows of income
The really rich never depend on one flow of income but instead create a number of revenue streams. BIDPETE: CHA-CHING!
Forget the politics of AMERICA’S conflicts, regardless of your personal views on whether america should or should not be involved in any wars around the world. We should still be SUPPORTIVE and PROUD of our brave Men and Women who do not make the decisions to go to war or why we go to war or how we fight the wars. They just answer the call to serve and they are ready to pay the ultimate price of life or limb in the defence of this great country we call AMERICA. They are TRUE AMERICAN HEROES! And we as americans at the very least should THANK them. Take the opportunity to thank a solider/veteran here on this page or tell a story of your solider/veteran or brag about your branch of service. SEMPER-FI. To my fellow brothers and sisters I simply and humbly say THANK YOU! for I know of your sacrifices and of your families sacrifices. To my fellow americans I say sleep well for some where in the world there is a member of the armed forces at the ready to protect and defend your way of life.
Hunny he is so sweet, such a nice family man, can you believe how gutsy he was to go storming back into the sales managers office and fight for us to get us this great price on the very last car in inventory that we really wanted. And to sell it to us with out the dealership making any money on the deal. I mean we are so lucky, should we offer him a tip or invite him over for dinner? Son-of-a-bitch i wanna stab myself in the eye with a pencil right about now. A scenario similar to this plays out across America on a daily basis. Back up ladies, take a deep breath, don’t get your panties all twisted and in a bunch. This conversation could be a man talking to a women or a woman talking to a man. What i need you all to do is to continue reading and to think. SALE – SELL – SOLD – These are some of the most powerful and manipulated words in life! Just about every moment of the day YOU are being sold something!! Check this out, this is how my mind works. You wake up and turn on the TV for the news. The power company is now selling you electricity to power the TV for profit. The news is selling you information for profit via commercials, the commercials are selling you products or idea’s, or a life style for profit. I could go no and on for ever. And I will in future post but for now let’s get back to the devil in carne our glorious knight in shining armor – THE AUTO SALESMAN. By definition this man or womans job is to sell you something for PROFIT! All salesman have an agenda. It is to make personal profit or advancement period! They will do and say anything to make the sale, it is how they make a living. Shit believe and understand this and you will be better prepared not to get taken advantage of. check out this article, confessions of a car salesman http://www.popularmechanics.com/cars/news/industry/confessions-of-a-car-salesman-5681350?click=main_sr Then let me BREAK IT DOWN for you with just 4 of the many things an auto salesman will not tell you and hope you don’t know. (1) ” I’m getting a secret incentive to push this car” Most dealer and manufacturer incentives aren’t hard to uncover. Rebates, low-interest rates and other inducements are often advertised or easily found with a little research on car sites such as Edmonds. What is much tougher to find out is how much is the DEALER CASH offered by the manufacturer. It is some where typically between $500 and $2,000 that manufacturers quietly make to the dealer so they can push their slow-moving models of cars. There is some thing else known as the HOLD BACK. This is a percentage of the cars sticker price, that the manufacturer pays to the dealership after the car is sold. Usually 2-3% Dealerships view holdbacks as pretty much untouchable, Car dealers want this money and will fight tooth and nail not to give up or share any of this money with you. The reason I am telling you about this is so you can see how much bull shit the salesman is giving you when he tells you they are not making any money on your deal. “Dealer cash, is another story. You can get some of this money as long as you can find out about it. I will share a little salesman trick with you now. always act like you already know and say it like this strong and confident. “HOW MUCH IS THE DEALER CASH ON THIS instead of ” Is there dealer cash on this?” Grow some ball’s damn it! and check several dealerships, you’ll probably get a good idea of the amount available. (2) “sticker shock is built into this deal” Invoice pricing — what the dealership pays the manufacturer for a vehicle is no longer a secret, You can find invoice costs on a number of websites, Like TrueCar. What you need not forget is that there are additional costs that can add thousands of dollars to a car’s price — costs that can’t be negotiated away. Early in your negotiations, you should ask what these fees will add to the purchase price so that you can negotiate with those in mind. What you can do, though, is asked for a lower sales price to help offset these fees. And it may help to focus your negotiations on the “out the door” cost — the total price, including all required taxes and fees, that you have to pay to get the car. (3) “You will get a better deal from the internet department” What people typically don’t understand is that the car buying is more transparent, and salespeople have more authority, in the dealerships’ Internet departments, You can take advantage of this setup. From the comfort of your home, you can solicit lowest-price quotes on a car from a bunch of dealerships at once. (4) “Knock yourself out negotiating a good price; I’ve got plenty of other ways to fuck you” Price is just one of the many moving parts of the typical car deal. Three other important factors are:
- How much you get for your trade-in.
- How much you’ll pay for financing.
- Whether you’ll fall for any of the expensive add-ons that dealerships like to sell.
The add-ons — paint sealant, car alarms, rustproofing, gap insurance and so on — are huge profit centers for dealerships. For example, a dealership might charge $300 for “fabric protection” that you could do yourself in a few minutes with a $5 can of Scotchgard. Almost any add-on you can get a better deal if you shop it around outside the dealership.
Consumer Reports has long warned against buying extended warranties on most products, including cars, saying their expensive protection against unlikely repairs. But some buyers like the security of an added layer of assurance. Still, you may be able to get an extended warranty for a significant discount by shopping around.
You also should know the trade-in value of your current vehicle so you don’t get lowballed. Most car-comparison sites offer some kind of appraisal calculator; use a few different ones so you have a ballpark idea what your car is worth. If you want to get the maximum value for your car, you should sell it yourself, but you should compare the typical “private party” sale price to the trade-in value to decide if it’s worth the hassle.
If you aren’t paying cash for your car, you should know that dealerships routinely mark up the interest rates on the loans they get from their warehouse lending sources.To make sure you get the best deal, arrange a loan with your credit union or bank before you step onto the lot. If the dealership can give you a better deal, you can cancel the other loan. If not, you’ll at least have financing at a reasonable cost. “That great deal we advertised? You won’t get it.”
You typically have to have good to excellent credit to win those low-interest loans that dealers and manufacturers advertise. Exactly how good your credit needs to be varies by the deal and often isn’t disclosed in advance.
Equally elusive may be the base model of any car design. Manufacturers may tout the low cost of a new car, but chances are, they’re citing a stripped-down model that you’re unlikely to find at any dealership.
“The dealerships aren’t going to have the base model on the lot”. “That’s just a teaser to get you in the door.”
As always, the key to a smart car purchase is to do plenty of research before you ever talk to a car salesperson.
“The more prepared you are before you go shopping,” “the better off you’re going to be.”