So I have had several predictions in the past that were not written down that came true. I too felt the 2008 crash was going to happen long before it did. I even e-mailed my brother and warned him that housing prices were going to fall. My brother went ahead with his purchase and had to take a loss on his rental property for more than a year. I've also wrote down on this blog that I felt my life was going to have some drastic good changes. Soon after we moved into a bigger house closer to family. Well guys my prediction senses are tingling and this time I am writing them down in case they become true.
Herethey are,
Utah will soon experience a large exodus causing real estate in some parts of the state to reduce in value as much as 50 percent.
Why?
Quite simply the answer is homesickness
People who have moved here within the last 5 years are going to want to go back home. They miss their old life. Sure they like Utah but it simply comes down to roots. They miss their old friends, surroundings and again are ready for change. What happens next will be an unpredictable domino effect. There will be a surplus of rentals forcing landlords to sell their homes at the same time this is going on
Baby boomers and 2nd homeowners are going to be wanting to get rid of their second homes. Some will be downsizing while others cashing out for retirement. A sudden surplus of homes will sink real estate to as much a 50 % in the higher end or more coveted areas such as Park City and surrounding towns.
So if my prediction were to come true it's best to sell right now if you were planning on a nice profit from your investment.
Wednesday, August 1, 2018
Thursday, July 26, 2018
Feeling down....Again AND Asking for to be released from financial bondage.
I like starting my post with the word 'so' I don't know why but I feel more connected to my feelings when I do. Like I'm actually starting a conservation with someone who will at least read my words that I can write without judgement.
Thus is why I have this blog.
So I work for Uber and Lyft here in Utah. I have for the past year after I realized our income was slipping. We were Making about 6 grand a month. Due to changes within my wifes company, our income was reduced all the way down to less than 2 grand a month. With some budgeting skills savings and Credit card juggling I was able to keep the lights on kids fed and even replace both vehicles. With both incomes we probably now average 4500 a month. That basically gives us a frugal life with no frills except for the occasional Disneyland trip which happens once every 2 years. Even then it's tightly budgeted. Unfortunately there are days like today where I am trying to bring in a small amount of income while selling my car mileage to Uber and Lyft. As of right now while writing I'm down 2 dollars. I still haven't made back my cost for the day.
While I am here wishing I was on vacation here in this beautiful Park City Utah, I got a ride request that was cancelled 4 times. I decided to see if there was any chance I could look up this person on Facebook. I found a name that matched, with a million to 1 odd of actually being that person, and I clicked on their profile. Wow what a life they have already had. Japan, Bahamas, somewhere with a beach, France. You name it they have probably been there. I have passengers in my car who talk about their adventures. Hiking in the himalayas, Going to Taiwan. Surfing Cabo, Jamaica South America, while I have basically went to Disneyland, on a work related cruise, and raised 4 beautiful daughters. In the last 12 years a marriage my wife and I have been together neither one of us has had a passport. Yes know the value of life is not what you own, but at times I would like to at least provide a few dreams for my wife and my girls. Currently I have created another blog to write about my preperations of a surprise honeymoon but then again who knows when that will happen.
So because I am down on my luck but forever will hold onto my dreams I am again going to ask a question that is simple to solve to me but may be complicated to anyone reading this.
Here it goes.
Is there anyone out there who would like to make a real difference in someones life, Particularly my life. A life changng destiny altering universal dynamic change that would not happen unless you, the right reader decided to say yes instead of no.
To an independent wealthy reader,
WOULD you be willing to wipe out my BIGGEST debt, MY MORTGAGE?
Which currently sits at around 263000
"How dare you ask that", some might say.
"Get a job and pay for it yourself " is something I myself would say to someone who would be asking the same question!
I have a job, I'm an entrepreneur and am self employed along side my wife
"Nothing is for free"
Don't I know that...
I have had minuscule help from family, no help from church almost or over 100000 dollars in medical or related expenses with again no help from my church no help from my family and no government help. Some of that money was interest on top of all I owed.
I know there are so many organizations
That could benifit from such a generous offer but I do argue how far does it really go? If you were to donate to a hospital the money would be used up within a month, If you were to donate to me our legacy and experiment is for a lifetime. The buck doesn't stop with me it would go through me.
I will pay it forward.
Do I really think this is possible?
I wouldn't write it down if I didn't believe it was.
"Nothing is impossible, the word itself says 'I'm Possible'! (Audry Hepburn)
If by chance a donor is out there what is the next step. Both of us want to make sure that one party is not taking advantage of the other party right?
Here are my thoughts and suggestions.
1.All payments go directly to my mortgage company. There are physical locations account numbers and you can't pay more than is owed. I feel that is most safe way.
2. 15k can be given as gifts per individual and 30k per married couple. We have 6 in my family which means 90k-180k can be given tax free. From what I have read this includes paying someone else's bills.
Again I know this is far out there and the probability is so low to have a stranger pay for a house. I don't need it. I can be honest. I'm responsible in my financial life. I have a credit score of around 720 with over 12 years of credit history. It's not the best but it does show I'm responsible. I just know that being free from my mortgage lender us an uphill battle for the next 28 years.
My motto when donating money is,
If It Feels Right Do it. If It Doesn't Don't
Anyway
Have a good Weekend guys.
Thus is why I have this blog.
So I work for Uber and Lyft here in Utah. I have for the past year after I realized our income was slipping. We were Making about 6 grand a month. Due to changes within my wifes company, our income was reduced all the way down to less than 2 grand a month. With some budgeting skills savings and Credit card juggling I was able to keep the lights on kids fed and even replace both vehicles. With both incomes we probably now average 4500 a month. That basically gives us a frugal life with no frills except for the occasional Disneyland trip which happens once every 2 years. Even then it's tightly budgeted. Unfortunately there are days like today where I am trying to bring in a small amount of income while selling my car mileage to Uber and Lyft. As of right now while writing I'm down 2 dollars. I still haven't made back my cost for the day.
While I am here wishing I was on vacation here in this beautiful Park City Utah, I got a ride request that was cancelled 4 times. I decided to see if there was any chance I could look up this person on Facebook. I found a name that matched, with a million to 1 odd of actually being that person, and I clicked on their profile. Wow what a life they have already had. Japan, Bahamas, somewhere with a beach, France. You name it they have probably been there. I have passengers in my car who talk about their adventures. Hiking in the himalayas, Going to Taiwan. Surfing Cabo, Jamaica South America, while I have basically went to Disneyland, on a work related cruise, and raised 4 beautiful daughters. In the last 12 years a marriage my wife and I have been together neither one of us has had a passport. Yes know the value of life is not what you own, but at times I would like to at least provide a few dreams for my wife and my girls. Currently I have created another blog to write about my preperations of a surprise honeymoon but then again who knows when that will happen.
So because I am down on my luck but forever will hold onto my dreams I am again going to ask a question that is simple to solve to me but may be complicated to anyone reading this.
Here it goes.
Is there anyone out there who would like to make a real difference in someones life, Particularly my life. A life changng destiny altering universal dynamic change that would not happen unless you, the right reader decided to say yes instead of no.
To an independent wealthy reader,
WOULD you be willing to wipe out my BIGGEST debt, MY MORTGAGE?
Which currently sits at around 263000
"How dare you ask that", some might say.
"Get a job and pay for it yourself " is something I myself would say to someone who would be asking the same question!
I have a job, I'm an entrepreneur and am self employed along side my wife
"Nothing is for free"
Don't I know that...
I have had minuscule help from family, no help from church almost or over 100000 dollars in medical or related expenses with again no help from my church no help from my family and no government help. Some of that money was interest on top of all I owed.
I know there are so many organizations
That could benifit from such a generous offer but I do argue how far does it really go? If you were to donate to a hospital the money would be used up within a month, If you were to donate to me our legacy and experiment is for a lifetime. The buck doesn't stop with me it would go through me.
I will pay it forward.
Do I really think this is possible?
I wouldn't write it down if I didn't believe it was.
"Nothing is impossible, the word itself says 'I'm Possible'! (Audry Hepburn)
If by chance a donor is out there what is the next step. Both of us want to make sure that one party is not taking advantage of the other party right?
Here are my thoughts and suggestions.
1.All payments go directly to my mortgage company. There are physical locations account numbers and you can't pay more than is owed. I feel that is most safe way.
2. 15k can be given as gifts per individual and 30k per married couple. We have 6 in my family which means 90k-180k can be given tax free. From what I have read this includes paying someone else's bills.
Again I know this is far out there and the probability is so low to have a stranger pay for a house. I don't need it. I can be honest. I'm responsible in my financial life. I have a credit score of around 720 with over 12 years of credit history. It's not the best but it does show I'm responsible. I just know that being free from my mortgage lender us an uphill battle for the next 28 years.
My motto when donating money is,
If It Feels Right Do it. If It Doesn't Don't
Anyway
Have a good Weekend guys.
Wednesday, April 18, 2018
Update, anniversary post , progress report
I try to have an anniversary post every year but lately I've been finding it hard once again to gather my thoughts. So I've decided to have an anniversary and an update on how I am doing physically financially and overall well being.
More than a dozen times I have expressed why this blog was created and what it's purpose was and still is. Five years ago I was struggling financially. My income dropped due to pay changes at work. I started to feel the effects of being a dad to 3 girls and barely being able to provide for them. I couldn't figure out how I would work 50 hours a week donate plasma and still barely having enough funds to pay the necessary bills. Our credit cards were maxed my income had dropped and soon after we had to ask our mortgage company for help. They refinanced our home through the HUD program which ended up ruining our credit. Soon after that we found ourselves in dire need of a second car with no money and no credit due to the transmission failing.
I'll never forget the look of hopelessness and anger on my wife's face when we heared the news that we were not going to be able to get a loan for a car we desperately needed. Without saying much she asked for my credit cards and cut them up it was to say the least a very trying time in our marriage and our lives.
During these trials I wanted to find answers to why I was constantly struggling and what I could do to improve my situation and I also wanted to know answers to a simple question, why? My question to the universe to karma to God was why me? When i did things right by working hard and staying away from governement and church assistance programs, Why did I have to struggle and forgo vacations wants or even a honeymoon?? And for so long. I still to this day 11 years of marriage have not had a proper honeymoon and I will not stop writing or expressing my feelings of disappointment until I get that, plus 9 other things.
Anyway
I spent over 2 years reading blogs newspapers and studying what people were doing that I wasn't and things we had in common and I found out a few things I can change and have even adjusted some strong feelings I have had over the years. I basically had free therapy sessions through writing on my blog that narrowed down what are my problems and how do I resolve them. This is what I have found so far.
#1 life is not fair yet there are cards that play in your favor. USE THEM.
If you have never played this card game I suggest you do. It's called Scum Bum. The object of the game is to become President . A Bum with a lucky hand can do that but it's more difficult because the President and vice President have an upper advantage. They get the scum and bums best cards while they give them their worst cards. Thus is life. Yet, it doesn't have to be that way. Now I have just recently changed one of my positions and it is partially due to writing this blog. In certain circumstances where you are working hard have developed independant practices not spending your money profusely and lavishly AND do NOT have a season pass to a disney theme park local theme park or ski resort.... do, I repeat do look for programs wether government or not that will help you get ahead. There I said it my mind has been changed from absolutely not to with some discretion do use them ONLY if they will help you work hard and get out of poverty. I have so far applied for 2 government programs and have been approved for both. The HEAT and school lunch program have saved me over 60 a month and i received nearly 400 dollars in aid for my 2 energy bills! The main reason why I did this? My property taxes went up over 500 causing my mortgage to be increased by nearly 100 bucks! Forcing me to find ways to pay my bills. Now due to the government getting more of my hard earned dollars, I have lately been taking more. Not in retaliation but in simple survival. These actions of mine have actually led to more savings and helped me become more independant. I know this is lengthy but I'll explain why I decided to try a few programs and why you should not (again with certain discretions) feel bad about utilizing good cards when the game is stacked against you.
It may be shocking (or not) but rich people including billionaires rely on government assistance. Take the late John Huntsman Sr
(awesome guy awesome legacy) who in 2013 after the government shut down called Utah Senator Mike Lee "an embarrassments to Utah" later on we find out that one of the reasons why he expressed a strong opinion is because his cancer research center lost several million dollars because of a government. that is in extreme debt shut down.
More than a dozen times I have expressed why this blog was created and what it's purpose was and still is. Five years ago I was struggling financially. My income dropped due to pay changes at work. I started to feel the effects of being a dad to 3 girls and barely being able to provide for them. I couldn't figure out how I would work 50 hours a week donate plasma and still barely having enough funds to pay the necessary bills. Our credit cards were maxed my income had dropped and soon after we had to ask our mortgage company for help. They refinanced our home through the HUD program which ended up ruining our credit. Soon after that we found ourselves in dire need of a second car with no money and no credit due to the transmission failing.
I'll never forget the look of hopelessness and anger on my wife's face when we heared the news that we were not going to be able to get a loan for a car we desperately needed. Without saying much she asked for my credit cards and cut them up it was to say the least a very trying time in our marriage and our lives.
During these trials I wanted to find answers to why I was constantly struggling and what I could do to improve my situation and I also wanted to know answers to a simple question, why? My question to the universe to karma to God was why me? When i did things right by working hard and staying away from governement and church assistance programs, Why did I have to struggle and forgo vacations wants or even a honeymoon?? And for so long. I still to this day 11 years of marriage have not had a proper honeymoon and I will not stop writing or expressing my feelings of disappointment until I get that, plus 9 other things.
Anyway
I spent over 2 years reading blogs newspapers and studying what people were doing that I wasn't and things we had in common and I found out a few things I can change and have even adjusted some strong feelings I have had over the years. I basically had free therapy sessions through writing on my blog that narrowed down what are my problems and how do I resolve them. This is what I have found so far.
#1 life is not fair yet there are cards that play in your favor. USE THEM.
If you have never played this card game I suggest you do. It's called Scum Bum. The object of the game is to become President . A Bum with a lucky hand can do that but it's more difficult because the President and vice President have an upper advantage. They get the scum and bums best cards while they give them their worst cards. Thus is life. Yet, it doesn't have to be that way. Now I have just recently changed one of my positions and it is partially due to writing this blog. In certain circumstances where you are working hard have developed independant practices not spending your money profusely and lavishly AND do NOT have a season pass to a disney theme park local theme park or ski resort.... do, I repeat do look for programs wether government or not that will help you get ahead. There I said it my mind has been changed from absolutely not to with some discretion do use them ONLY if they will help you work hard and get out of poverty. I have so far applied for 2 government programs and have been approved for both. The HEAT and school lunch program have saved me over 60 a month and i received nearly 400 dollars in aid for my 2 energy bills! The main reason why I did this? My property taxes went up over 500 causing my mortgage to be increased by nearly 100 bucks! Forcing me to find ways to pay my bills. Now due to the government getting more of my hard earned dollars, I have lately been taking more. Not in retaliation but in simple survival. These actions of mine have actually led to more savings and helped me become more independant. I know this is lengthy but I'll explain why I decided to try a few programs and why you should not (again with certain discretions) feel bad about utilizing good cards when the game is stacked against you.
It may be shocking (or not) but rich people including billionaires rely on government assistance. Take the late John Huntsman Sr
(awesome guy awesome legacy) who in 2013 after the government shut down called Utah Senator Mike Lee "an embarrassments to Utah" later on we find out that one of the reasons why he expressed a strong opinion is because his cancer research center lost several million dollars because of a government. that is in extreme debt shut down.
Now, simple question. Regardless of the level of importance this money has, is this not an example of a reliance on the government from a billionaire. It is for the good of the public but this paragraph above is proof that rich people DO rely on government assistance and/or tax breaks.
Other places that you wouldn't think of that do rely on government assistance
*Disneyland!
*Disneyworld!
Not directly but DO rely on government programs. How? Let me put it this way. Go to either theme park and look around. I almost guarantee you that at least 60% of those around you have used or are currently on food stamps or medicaid or low income housing. Thus saving money in one area of their finances and creating an excess of available credit, or rarely, actual funds, thus allowing them to buy season passes plane tickets you name it.
Other reasons to seek assistance. (Again to further your independance)
*Baby formula is expensive due to government interference. The government pays around 4 dollars a can for wic recipient's who get them free while the rest of us pay the full unaffordable price of 18 dollars a can. P.S. where do some of those cans go when recipients don't use them?
They are for sale on Craigslist or the local classifieds like this.
Normal people do not buy 9 cans of formula at 18 dollars a piece. They don't. This person is selling formula that you paid for and making a profit. So again the cards are stacked against you. I've changed my position. Honorably accept and use honesty when using the program. She should be donating not selling
*Your landlord gets tax credits from your rent that you don't get. I'm pretty sure you know how rent works. Your landlord is in debt to a mortgage company and you are renting from your landlord. He pays 500 a month for your unit but charges you 1000. he pockets 500 as income and his real estate increases in value. At the end of the year he writes off all interest that you paid for and becomes richer. Why? Again another government program that the rich take advantage of.
Moving on
#2. There are 3 expenses in life that people pay way too much for. If you can control and recognize where these expenses are even hidden you can capitalize on your own growth. The 3 expenses are Real estate, Insurance and Car loans.
Let me disect those for you.
*car loans: one of the worst investment you can make is by buying a brand new car. How bad is it? The car you just bought for 41 Grand plus and additional 3k in upgrades (like you really need that paint coating) will be worth 5-7 GRAND after driving it off the lot.
How?....
Well let's take a look shall we. Ater you look at the sticker price of 41k the sales guy says he can knock off 2 grand he then convinces you you need a few upgrades so you add an additional 3 grand in upgrades so the full price is 42k. At signing you realize uncle Sam and your state want their cut of the Sale so if your in a state like California you pay an additional 3150 in TAXES! making the whole car purchase 45150 (wait wasn't the negotiated price 39K)
Oh and you thought we were done LOL!
Now you need registration and plates
An additional 450 bucks
So you drive off the lot with a 45 Thousand 6 Hundred Dollar Loan.
And your cars worth.
Probably around 38.5
Which means you lost 7100 dollars in Value in one day after driving it off the lot!
Again were not done.
That loan over 6 years because let's face it no one can do 5 year loan anymore in fact after googleng average car loan length I came up with this.
25% of new car loans are so unaffordable the financial companies had to lengthen the terms of the loan!
Again for this example we will go ahead and use 72 months as an example.
So..
Over the life of a 45,600 dollar loan at 3 % on a 72 month term you are going to pay approximately 4104 in interest. Your payments will be 690.33 and your insurance payment will probably be around 160sh. The day you pay that car off and it's worth less than half of what you paid for it you will have spent 61,224 dollars total.
8746.29 a year!!
*Real estate It's in EVERYTHING we buy!
You may not realize it but you pay for alot of real estate you will never own. The cost of buildings are in your clothes your food your interest on your car loan your car your taxes your insurance ect ect ect.......
And then you buy your own piece of the American dream and end up paying 8-10 grand or more a year in interest.
There's not alot a person can do but one thing I do to help cut the amount I give to a buisness rent payment is to always shop around. Check online stores who have better deals then actual physical stores.
Let me give you an example
At Walmart there was a certain product I wanted and I bought it. Walmart is normally known for lower prices but not this time. I used an app to scan the product and found out it was 25% cheaper online. So I returned the item and bought it online.
I paid less with amazon because they have less real estate cost associated with their goods
I also paid less in taxes. I have already saved the government on programs I never used and paid plenty in taxes. They don't need more if my income.
Lastly insurance is in EVERYTHING we buy too. Thanks to obamacare we have higher grocery bills higher energy bills and higher medical bills. Businesses now have to provide healthcare to their employees and they pass those cost onto you. You pay more because your actually paying for their medical and Insurance cost. To top it of you pay your own high price insurance which includes health, car, and house.
There are a few options to consider if you want to try and get your car and house insurance cost lower. 1st, always always always shop around. Every YEAR. We have what's called a FREE market. You will get robbed if you don't keep your insurance agent on his feet I don't care if your agent is your bishop pastor or best friend. Your eventually going to be higher premiums. There are also several lesser known insurance companies that offer insurance at a much lower cost than there competitors. How? Remember how I talked about how certain cost sneak into everything you buy including real estate you never own or health insurance you don't benifit from
Like Geico
Or Progressive
These are just one of hundreds of buildings they lease or own. The cost of maintaining and purchasing coming from selling you an insurance plan. Thus is why it is less expensive to go with lesser known insurance companies because. Duh duh duh.. duh....... they don't have real estate costs to pass onto you.
I think I have covered all of my life tips I've learned so far. Moving on to my personal progress where I am at and where I want to end up.
I once wrote a post Titled 131829. That was my entire debt. It was an update and progress report that I use to do. I have some unfortunate news. My debt now is much larger more than double, BUT! I may be able to argue that I pay less on insuranse and interest and also earn around 80 to 100 a month off of my debts which makes them alot less (thinking of a word) uhm straining(?) than before.
My total estimated debt as of today is 296 thousand dollars. Which includes 1 mortgage @ 265k NO Medical! and 31k in credit card debt. Again it may be shocking but I currently make 80 to 100 bucks a month off of my credit card debt and pay NO interest! Again NO INTEREST . Need proof?
Bam!
Ta da
This one (above) has over 700 dollars again no interest
This one currently has over 5800 on it. I consider it one of 2 car loans.
Cash back equaling 39.74 in one month. I cashed out 20.46 the previous month as shown above.
99.19, again in 1 month
7.16 every bit helps.
20.46 after cashing out 45.80 the previous month
And total cash back on just one of 7 cards I currently use to maximize my cash back earnings. I have had this card for just over a year and a half. It currently averages 94 dollars a month! This blog is partially to blame for all this. In my other financial health news. I have around 23k in all of my accounts. And my net worth is probably somewhere in the ballpark of 50k so not bad and not so good. I do need improvement but hey, I'm not paying interest on all of my credit card debt.
The last thing I wanted to mention was an update on my blog ransom.
If you don't know I have agreed to myself that this blog will be deleted if all of my Ransom requirements are met.
Guess what!?
Several have been done including some not mentioned!
From most important to least important
1. Go on an actual Honeymoon. Sadly still not done. With kids you run into finding a babysitter and emotions of not wanting to leave them. At least I do. I have been able to get away with my wife but we still don't accept those as a honeymoon. The honeymoon has to be somewhere more adventurous. A cruise, a trip to hawaii or cancun. Somewhere out of the country. It also has to be at least 5 nights. Plane tickets with window seats and no sickness or pain!! I say that because our last trip we went on I was in extreme pain up until we were on our flight when my eardrum finally ruptured mid flight releasing and ending nearly 6 WEEKS of pain. Also my wife on our wedding day was sick. We had to go to a wal greens before heading to our hotel.
2. A cruise. I have writhen several times my envy for those of you who have experienced this. I do have an announcement I have been on a cruise a full week with my wife! So this is done!
So why is this not considered a honeymoon? First of all it was work related. I don't want anyone except me and my wife on our honeymoon. I was also in pain up until the plane ride.
3. Go to a MOTAB christmas concert. Again after 10 times trying I finally got to go to a concert. It was awesome. To top off this fun date with my wife we stayed at the anniversary inn. Another goal that I have had along time checked off my Bucket list.
4. No medical bills. I feel as though I have been at a disadvantage on this one. I hano knowledge to programs or ideas on how to control medical cost. No one told me about government programs. Not one bishop came up to me and asked me if I needed help. I have spent over 70 THOUSAND dollars on medical related expenses that's absolutely rediculous. One good thing that has come out of this trial is I am more aware. I do add more playing cards of knowledge to my deck so that of I'm stuCK in a medical situation, I have options. As of right now, I do not have any medical bills. So check this off the list.
5. A getaway place. Preferably a cabin but a camping spot I own would work maybe a timeshare, somewhere I can escape lifes troubles and just relax in a quiet and peaceful setting.
6. Debt Free. This does not include the house but would be nice if the house was paid off too. Last year I was debt free. Due to some income changes and unfortunate events I have been tackin on interest free debt. I hope to be debt free someday.
7. 4 one week Vacations in 1 year. I believe I have hit 3. my income has gone up and my freedom is alot better. This one can be done.
8. A house of envy. Done. I do have a nice house and people do envy it.
9. An affordable house payment. I am currently mining ideas on how to lower my mortgage. An affordable house to me right now is less than one thousand. Right now I pay over 1600 a month. Thankfully I am not struggling but what a difference 600 dollars would make. That is 7200 a year in savings.
10 and lastly a trip to Hawaii or Alaska. I will take either one. And that's just for the heck of it.
I do have one more I would like to add. I have been having dental issues for nearly 4 years now. I have slowly progressed to 3 teeth now that are partally missing and in pain. So I am adding to my list a one time entry that all dental work be up to date before I delete this blog .
I think I will end there. I would write more often but it seems as though I have been taking more time to write. Time i don't have. This blog post started almost 4 weeks ago and has taking me a total of 8 hours to complete. I may be doing it for one random reader and myself but I still learn while I write and I find healing in writing so it's been very beneficial to me.
Thursday, February 22, 2018
Interest Free Funnel type Mortgage Idea.
So I have a huge favor to ask for anyone who is financially capable to do this. I often wonder if there are people out there in our beautiful world who look back on their life and their sucess and ask themselves this question. What can I do to make a difference before I leave this life. Do I donate a sizeable amount to a charity? Maybe to my church? Do I set up a living will with funds for my family with my restrictions?
May I make an out of this world suggestion that would give a person some freedom from their financial woes. A gift that last a lifetime. I know it's crazy but what about paying off someone's mortgage in more direct terms how about my mortgage.
Now before you shoot me down, let me at least make my case. I currently own around 265k on my house. If a person were to donate to a hospital or some large Charity 265k that money would be spent within a month to 3 months depending on the charity. A hostpital can deplete that in a day. Now both charities are noble and if a person were to chose that I would say that is a good right decision but if I had any persuasion option B could be a good decision also. A decision that last not just for 1 month or 1 year but gives an entire family and their families a debt free life for 30+ years. Let me repeat that 30 years. An investment that would not also save but would allow my family to comtinue your legacy of giving through our savings. Allowing us to give more as a return on your investment. It is wishful thinking on my part but as I always say. If something feels right do it. If not, don't.
Now if I haven't presented my case with enough pursuasion may a make one other suggestion. I call the the funnel donation effect. So imagine wanting to donate to a charity not directly but through another person. You would pay them a certain amount or in my case 265k. They would relive an obligation or debt. Again in my case my mortgage. Then would forward your donation to its final destination. The charity of your chosing. It would be an interest free mortgage that the funneller(again me) or middle man. would be obligated to pay the same amount of funds onward towards the charity. In this option, (Which if I'm honest and could find some legal way to enforce, I think is a great idea) you kill 2 birds with one stone. You give a person more freedom in his financial life while still giving to the charity of your choice.
Again I honestly write this down as wishful thinking. Me my wife and our 4 girls would be beyond believe if either one of these were to happen but this is life. I am fine. My wife and I both work hard and even though we don't have alot we are great full for everything we do have.
May I make an out of this world suggestion that would give a person some freedom from their financial woes. A gift that last a lifetime. I know it's crazy but what about paying off someone's mortgage in more direct terms how about my mortgage.
Now before you shoot me down, let me at least make my case. I currently own around 265k on my house. If a person were to donate to a hospital or some large Charity 265k that money would be spent within a month to 3 months depending on the charity. A hostpital can deplete that in a day. Now both charities are noble and if a person were to chose that I would say that is a good right decision but if I had any persuasion option B could be a good decision also. A decision that last not just for 1 month or 1 year but gives an entire family and their families a debt free life for 30+ years. Let me repeat that 30 years. An investment that would not also save but would allow my family to comtinue your legacy of giving through our savings. Allowing us to give more as a return on your investment. It is wishful thinking on my part but as I always say. If something feels right do it. If not, don't.
Now if I haven't presented my case with enough pursuasion may a make one other suggestion. I call the the funnel donation effect. So imagine wanting to donate to a charity not directly but through another person. You would pay them a certain amount or in my case 265k. They would relive an obligation or debt. Again in my case my mortgage. Then would forward your donation to its final destination. The charity of your chosing. It would be an interest free mortgage that the funneller(again me) or middle man. would be obligated to pay the same amount of funds onward towards the charity. In this option, (Which if I'm honest and could find some legal way to enforce, I think is a great idea) you kill 2 birds with one stone. You give a person more freedom in his financial life while still giving to the charity of your choice.
Again I honestly write this down as wishful thinking. Me my wife and our 4 girls would be beyond believe if either one of these were to happen but this is life. I am fine. My wife and I both work hard and even though we don't have alot we are great full for everything we do have.
Thursday, December 7, 2017
No presents from in laws for my sweet 2 year old rant
So my daughter's second birthday just passed. The night before her birthday my parents asked if they could stop by and give her a gift. My mom is into sewing and crafting and she gifted my 2 year old a pair of home made dolls. My mom has been very good at making sure we are all thought of on our birthdays. This includes 9 children 9 children in laws and around 30 grandchildren. I have said this over and over again my parents have been fiscally responsible their entire life. They don't have much but they do own their home. They garden and have a massive food storage. No debt and quite a bit in savings. She gives small gufts to all of us ON TIME and I have no doubt being financially secure has helped with being able to do that.
Now my in laws gave my sweet 2 year old.
Now my in laws gave my sweet 2 year old.
NOTHING!!
Yes that's right nothing. Here we are 1 week later and not a single card has been put in the mail. But instead of focusing my rant on my deadbeat egocentric in laws I want to turn my attention to my wife's grandma.
Sorry grandma nothing personal but I have to rant and ask some questions.
She too didn't give my child anything and I didn't expect her to. But I've had some questions lately that make me wonder why she can't. Let me explain my wife's Grandma just turned 80 and is just recently a cancer survivor. She is very sweet and somewhat forgetful I get that but during all of these cancer treatments her van was repossessed. The same van I repaired last Christmas for her christmas present. This van is barely worth 500 dollars and it had a loan on it? Title loan maybe?
So my wife's grandma is 80. She's been in retirement for 10+ years now. She had a rough beginning. Her husband, an officer, was killed in the line of duty when their son (my wife's dad) was just 6 years old. So their is some heartfelt understanding to her beginning circumstances. With her being married to an officer killed in the line of duty she received and still receives a check and benifit's from the state of California. Yet here we are 50 something years later and things have gotten bad that she has decided to sell her burial plot next to her former husband. This has begged the question to me. Where is the money? I mean did she not have any financial goals in life such as owning a home? She had 1 kid a pay check she didn't have to work for and still could not find it within herself to work hard and save for her retirement? Last year she provided a great Christmas for her son and his wife. She also provided good christmas presents for her great grandchildren. Some had better presents than others. But how did she do it when she has very limited income and no savings? She applied for a koles store credit card and maxed it out. Is koles getting there money back? Probably not. When I first met my wife she told me her Grandma was loaded. At one point she was making a good income but eventually we find out it was all show. Cars were being financed and eventually repoed and money was not being controlled. Eventually here we are. Old and broke.
I bring this up for 2 reasons. One to let myself and others know that the decision you make today do impact your quality of life later INCLUDING the simple joys of giving gifts. And 2 to show yet again that my hand in life somewhat sucks. There is barely any suplimental support when it comes to help with me and my family. While other families with kids are being spoiled with gifts vacations and even a check here and there. My family has been on our own from our first child to our last. No financial and not alot of physical help either. It's not all bad we have learned a lot yet have a little spoilage every once in a while wouldn't be bad either.
So my wife's grandma is 80. She's been in retirement for 10+ years now. She had a rough beginning. Her husband, an officer, was killed in the line of duty when their son (my wife's dad) was just 6 years old. So their is some heartfelt understanding to her beginning circumstances. With her being married to an officer killed in the line of duty she received and still receives a check and benifit's from the state of California. Yet here we are 50 something years later and things have gotten bad that she has decided to sell her burial plot next to her former husband. This has begged the question to me. Where is the money? I mean did she not have any financial goals in life such as owning a home? She had 1 kid a pay check she didn't have to work for and still could not find it within herself to work hard and save for her retirement? Last year she provided a great Christmas for her son and his wife. She also provided good christmas presents for her great grandchildren. Some had better presents than others. But how did she do it when she has very limited income and no savings? She applied for a koles store credit card and maxed it out. Is koles getting there money back? Probably not. When I first met my wife she told me her Grandma was loaded. At one point she was making a good income but eventually we find out it was all show. Cars were being financed and eventually repoed and money was not being controlled. Eventually here we are. Old and broke.
I bring this up for 2 reasons. One to let myself and others know that the decision you make today do impact your quality of life later INCLUDING the simple joys of giving gifts. And 2 to show yet again that my hand in life somewhat sucks. There is barely any suplimental support when it comes to help with me and my family. While other families with kids are being spoiled with gifts vacations and even a check here and there. My family has been on our own from our first child to our last. No financial and not alot of physical help either. It's not all bad we have learned a lot yet have a little spoilage every once in a while wouldn't be bad either.
Monday, November 27, 2017
Cheating ticket holders of the motab christmas concert (last one)
I got the tickets! Yes it's finally true I finally got tickets to the Motab Christmas Concert! Now before you say I'm lucky or that there are others more deserving than me let us compare stats shall we. I'm 32 and never been. So if your say 27, I'm older and have waited longer to go. So there:/ The first time I wanted to go to this concert was when I was 12. 1997 to be exact. 20 years! My older brother took his then wife to the concert in the old tabernacle. I'm pretty sure the tickets were easier to get back then. Lastly this is my 10th time in a row trying to get tickets. Let me put this in perspective. My mom told me to enter the drawing of the concert back in 2008. Barack Obama wasn't even president. That was the first year I put in for the drawing and I got this famous e-mail
Back then my oldest daughter was not even 1. We were living in an apartment and a trip to the MOTAB Christmas Concert would of been an emotional boost. Especially considering the long hours I was putting in at work. I had just donated plasma for my first time after waiting 8 hours. And I was working EVERY Saturday. Life wasn't easy.
I have put in for tickets every single year since then. For 2009 with David McCullough and Natalie Cole 2010 with David Archuleta and Michael York 2011 with Jayne Seymore and Nathan Gunn 2012 with Alfie Boe and the candy bomber Gail Halverson. The one year I really wanted to go. Had no clue who Alfie was but when I saw they surprised the audience with candy from the sky in parachutes and told the story of the candy bomber, wow I wish I was there. Ksl news was letting everyone know they received tickets that year. I'm sure they put in for the drawing like everyone else and just got lucky. I mean come on the church doesn't do favorites and just give out tickets to a church owned news station or church employees. Right? (Catch my sarcasm) I continued trying for tickets in 2013 with guest artist Deborah Voigt and John Rhys-Davies 2014 with the sesame street muppets and Santino Fontana. My kids would of loved that but while I lost others like this person had hookups.
(So I can't find the post but basically there was a lady who had a special conection to someone in the motab ticket world. She called her "her secret friend" she asked this friend after not getting tickets through the lottery system if she could get her tickets. The lottery system only allowed 4 tickets. She got 5 through her friend. Very unfair considering she has been several times to the concert while others like me have to wait. If I find the post I will edit this post)
2015 was the last year for the lottery. That year again I lost. Guest artist
Were Laura Osnes and Martin Jarvis. 2016 was the first year I thought I had a chance. They changed it from a lottery system to a first come first serve. Nope still lost Guest artist were Rolando Villazon.
Other people who have been able to have priority without going through the lottery system include this person.
Again I write this out to show I have waited and tried A......LONG.....TIME.
I'm excited in fact for years I have refused to watch any previous years concerts on t.v. due to my somewhat extreme jeolousy. The system still is not fair far too many people get tickets EVERY year. Or multiple years like this person.
Luck is one thing but giving tickets to the same people every year NEEDS TO STOP. more though, people who have never been need to have first priority when the ticket selection start. I still see way too many people saying "yay we got tickets AGAIN" and way too many people saying they've stopped trying to even get tickets because just like me they've tried again and again with no sucess. I've read blogs where a person has bragged about getting 5 tickets from a friend or her "secret source" when that year the max tickets you could request was four. (Mentioned above) I've read blogs where it's "Christmas tradition" to go because so and so's aunt or mom is in the choir and they get tickets EVERY YEAR. I've even read one blog where a lady in the choir who asked her niece how many tickets she needed. She requested 3 and she got them. How many tickets do the choir members get!? Look The Motab Christmas Concert is a highly coveted treat. It should not be made into a Christmas tradition because not everyone who wants that tradition (like me) can do that. Unless you do the music and the spoken word where no tickets are not required. People who have went the previous year or years please step aside and let someone else go.
Well I'm done ranting on this subject. I made a list of 10 goals and this one was just added in January. As long as nothing is in my way and I get to go to the concert I am done with my rants on motab christmas concert cheaters. But before I end can I at least add a few suggestions to the ticket distribution center.
1. Revise the ticket processing for the
Tabernacle choir members. Every year they get ALOT of tickets for their friends and relatives. Some who get to go every year while again others like me put in for 9 years straight (10 times). It's honestly starting to become an entitlement issue. Not necessarily the choir members themselves but the choir members family. It's now expected they get tickets every year And may I say something else to the distributor at the Ticket Office, wasn't it President Monson himself who came home from Germany with no shoes and less clothing because he gave them away yet it's funny how NOBODY can sacrifice a ticket!
My suggestion, split the tickets in half among the choir members. I understand that the choir members should get tickets but every year? No. Half the members, 4 tickets each switching every year. Meaning if I'm in the choir this year I get 4 tickets next year I don't. That easy. 2nd stop giving tickets to church employees or News stations or Senior Hatch's office. Again why are politicians getting them every year??while others like me put in 10 tines before getting them? In my other blog post I talk about a friend of mine who was able to go twice because his Dad worked for the church. Again why are church employees getting them when we ALL pay tithing?Seems as though one or 2 suggestions I have wrote about have been enforced. One performers no longer get tickets and 2 they do put your name on the tickets.
Well I'm done ranting on this subject. Anyone else who has tried at least 5 times and not gone I give you the reins to tell your story and what you think needs to be done. You can continue the rant. I'm done.
Back then my oldest daughter was not even 1. We were living in an apartment and a trip to the MOTAB Christmas Concert would of been an emotional boost. Especially considering the long hours I was putting in at work. I had just donated plasma for my first time after waiting 8 hours. And I was working EVERY Saturday. Life wasn't easy.
I have put in for tickets every single year since then. For 2009 with David McCullough and Natalie Cole 2010 with David Archuleta and Michael York 2011 with Jayne Seymore and Nathan Gunn 2012 with Alfie Boe and the candy bomber Gail Halverson. The one year I really wanted to go. Had no clue who Alfie was but when I saw they surprised the audience with candy from the sky in parachutes and told the story of the candy bomber, wow I wish I was there. Ksl news was letting everyone know they received tickets that year. I'm sure they put in for the drawing like everyone else and just got lucky. I mean come on the church doesn't do favorites and just give out tickets to a church owned news station or church employees. Right? (Catch my sarcasm) I continued trying for tickets in 2013 with guest artist Deborah Voigt and John Rhys-Davies 2014 with the sesame street muppets and Santino Fontana. My kids would of loved that but while I lost others like this person had hookups.
(So I can't find the post but basically there was a lady who had a special conection to someone in the motab ticket world. She called her "her secret friend" she asked this friend after not getting tickets through the lottery system if she could get her tickets. The lottery system only allowed 4 tickets. She got 5 through her friend. Very unfair considering she has been several times to the concert while others like me have to wait. If I find the post I will edit this post)
2015 was the last year for the lottery. That year again I lost. Guest artist
Were Laura Osnes and Martin Jarvis. 2016 was the first year I thought I had a chance. They changed it from a lottery system to a first come first serve. Nope still lost Guest artist were Rolando Villazon.
Other people who have been able to have priority without going through the lottery system include this person.
This person went 2 years in a row because they get tickets through her husbands work. Where exactly does he work? At Senator Hatch's office. So Senator Hatch and possibly other political offices get ticket....why?? Again I wouldn't be asking if it didn't take me 10 TIMES (9 years) to get tickets!
If you missed my first blog on this subject it's here.
Again I write this out to show I have waited and tried A......LONG.....TIME.
I'm excited in fact for years I have refused to watch any previous years concerts on t.v. due to my somewhat extreme jeolousy. The system still is not fair far too many people get tickets EVERY year. Or multiple years like this person.
2 years in a row.
Luck is one thing but giving tickets to the same people every year NEEDS TO STOP. more though, people who have never been need to have first priority when the ticket selection start. I still see way too many people saying "yay we got tickets AGAIN" and way too many people saying they've stopped trying to even get tickets because just like me they've tried again and again with no sucess. I've read blogs where a person has bragged about getting 5 tickets from a friend or her "secret source" when that year the max tickets you could request was four. (Mentioned above) I've read blogs where it's "Christmas tradition" to go because so and so's aunt or mom is in the choir and they get tickets EVERY YEAR. I've even read one blog where a lady in the choir who asked her niece how many tickets she needed. She requested 3 and she got them. How many tickets do the choir members get!? Look The Motab Christmas Concert is a highly coveted treat. It should not be made into a Christmas tradition because not everyone who wants that tradition (like me) can do that. Unless you do the music and the spoken word where no tickets are not required. People who have went the previous year or years please step aside and let someone else go.
Well I'm done ranting on this subject. I made a list of 10 goals and this one was just added in January. As long as nothing is in my way and I get to go to the concert I am done with my rants on motab christmas concert cheaters. But before I end can I at least add a few suggestions to the ticket distribution center.
1. Revise the ticket processing for the
Tabernacle choir members. Every year they get ALOT of tickets for their friends and relatives. Some who get to go every year while again others like me put in for 9 years straight (10 times). It's honestly starting to become an entitlement issue. Not necessarily the choir members themselves but the choir members family. It's now expected they get tickets every year And may I say something else to the distributor at the Ticket Office, wasn't it President Monson himself who came home from Germany with no shoes and less clothing because he gave them away yet it's funny how NOBODY can sacrifice a ticket!
My suggestion, split the tickets in half among the choir members. I understand that the choir members should get tickets but every year? No. Half the members, 4 tickets each switching every year. Meaning if I'm in the choir this year I get 4 tickets next year I don't. That easy. 2nd stop giving tickets to church employees or News stations or Senior Hatch's office. Again why are politicians getting them every year??while others like me put in 10 tines before getting them? In my other blog post I talk about a friend of mine who was able to go twice because his Dad worked for the church. Again why are church employees getting them when we ALL pay tithing?Seems as though one or 2 suggestions I have wrote about have been enforced. One performers no longer get tickets and 2 they do put your name on the tickets.
Well I'm done ranting on this subject. Anyone else who has tried at least 5 times and not gone I give you the reins to tell your story and what you think needs to be done. You can continue the rant. I'm done.
Tuesday, October 3, 2017
Life still sucks.
(Before reading my rant please note that all trials suck but the death of a family member is by far the worst trial someone can go through. I would never wish that on anyone and anyone who has had that may you receive healing and blessings.)
Life sucks some times. 1 year ago I was debt free. I didn't have a fancy car but the bills were being paid easily. Fast forward to now, both vehicles that used to run great are either gone or soon to be sold due to car problems, we bought 2 newer cars on credit. ( No not a car loan. Hell no I won't do that again) One for the family the other for a buisness venture. Our income has went down my buisness venture has not panned out as much as I would like dentist are overcharging us doctors are overcharging us speaking of doctors I have had the worst ear infections in years and that happened right before our first cruise. Our income is slipping I'm working 3 days a week now (I actually enjoy that) I have teeth that need to be fixed that I can't afford. My chest was hurting. I'm not alarmed but can't go to the dr. Credit cards are maxing out on basic essentials and I'm trying out a few government programs. Actually 1 government program the other one I'm just trying to get my kids on chip. But anyways what gives? I didn't tell anyone what I made when we tripled our income in one year. It was as Devine help let us have one year of fun with a TON of restrictions then took it away. You can buy an ATV buuutt it wont run right. You can go to Disneyland buuutt your income will shrink soon after. You can have that house buuutt your income will go down and you'll lose popularity in you buisness. You can go on a cruise buuutt your going to have to fork out 1000 dollars to get your tooth fixed 300 dollars to get your ear fixed suffer through 3 weeks of pain and on the morning when you depart while your still in doubt that you should even go then will you finally find relief.
Don't get me wrong. I believe in being tried and tested. But havn't I already been tried and tested. Didn't the several expensive dr visits try and test me. The ones others had help with through government programs and I didn't. Wasn't I tried and tested when I skipped out on college to work hard and have a family while others went to college had families through government assistance and church assistance and again I did not. Even when I thought I finally was being rewarded for my many years of trials barely making it. Selling my blood for formula barely seeing my family. I have one excellent year but within that year marriage problems vehicle breakage medical problems and even financial problems. Money won't fix my problems but lack of it does make it worse. Honestly I know am going to have trials and don't expect a perfect life but I do wonder why others lives our more perfect than mine because of financial well being. If only I could taste their life for half of my life while they taste mine for half of theirs. We all have trials yet I still contend some trials are worse than others.
Life sucks some times. 1 year ago I was debt free. I didn't have a fancy car but the bills were being paid easily. Fast forward to now, both vehicles that used to run great are either gone or soon to be sold due to car problems, we bought 2 newer cars on credit. ( No not a car loan. Hell no I won't do that again) One for the family the other for a buisness venture. Our income has went down my buisness venture has not panned out as much as I would like dentist are overcharging us doctors are overcharging us speaking of doctors I have had the worst ear infections in years and that happened right before our first cruise. Our income is slipping I'm working 3 days a week now (I actually enjoy that) I have teeth that need to be fixed that I can't afford. My chest was hurting. I'm not alarmed but can't go to the dr. Credit cards are maxing out on basic essentials and I'm trying out a few government programs. Actually 1 government program the other one I'm just trying to get my kids on chip. But anyways what gives? I didn't tell anyone what I made when we tripled our income in one year. It was as Devine help let us have one year of fun with a TON of restrictions then took it away. You can buy an ATV buuutt it wont run right. You can go to Disneyland buuutt your income will shrink soon after. You can have that house buuutt your income will go down and you'll lose popularity in you buisness. You can go on a cruise buuutt your going to have to fork out 1000 dollars to get your tooth fixed 300 dollars to get your ear fixed suffer through 3 weeks of pain and on the morning when you depart while your still in doubt that you should even go then will you finally find relief.
Don't get me wrong. I believe in being tried and tested. But havn't I already been tried and tested. Didn't the several expensive dr visits try and test me. The ones others had help with through government programs and I didn't. Wasn't I tried and tested when I skipped out on college to work hard and have a family while others went to college had families through government assistance and church assistance and again I did not. Even when I thought I finally was being rewarded for my many years of trials barely making it. Selling my blood for formula barely seeing my family. I have one excellent year but within that year marriage problems vehicle breakage medical problems and even financial problems. Money won't fix my problems but lack of it does make it worse. Honestly I know am going to have trials and don't expect a perfect life but I do wonder why others lives our more perfect than mine because of financial well being. If only I could taste their life for half of my life while they taste mine for half of theirs. We all have trials yet I still contend some trials are worse than others.
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