Welcome from Outer Space

Did I spell Outer right? I swear I cannot spell if I was the last man on earth. At least if I was the last man on earth I could spell any way I freaking please. Who is going to say different? That is what I thought.

Well I haven't written since I became unemployeed. Which you would think differently. But that is what you get for thinking. We learned something, haven't we.

Red Versus Blue = Funny
Real Life Versus the Internet If you want to laugh, click on this link. I watched it five times already. I laughed hard every time. Sometimes I wish I could erase my mind so I can get back the virgin laughter. Laughter the only time losing your virginity does suck.

Zatch Bell

Click Here!!! Here is the promo for one of my favorite animes coming to Cartoon Network. One of the plusses I see is that it is on at 9:30 which means it might not be as edited as I thought it would be. Still they did add pants to Gash, but that is ok. It is not like I enjoyed seeing his little pecker. Just wondering if they are going to have the poop joke in the first episode and everyone's favorite song, chi chi wo moge in the 11th episode. Watch the 11th episode to see if they have the song. If they do, you will laugh as that episode is really funny. Zatch Bell, the perfect combination of action and cute. It is also pretty funny. It will also make Kerry cry.

Transforming Debt Into Wealth - John Cummuta

A friend of mine lent me this CD set and I have found it to be very interesting. Basically it told me how I was wrong for a lot of my life and how bad debt is. It put it in numbers that helped my logical mind understand. The biggest number is, every dollar I am not putting away is about 350 dollars I will not have for my retirement. What that does is make sure you spend your dollars well and on things you really want. So lets get to some of the points from this CD set. I wish I had the work book I might buy them.

1. Take responsibility for your life. 100% responsibility. When you take responsibility, you have response ability.

2. Take an amount you can afford. He says shoot for at least 10% of your monthly income. Take that money and put it to one of your debts and pay the minimum of the rest of your debts. Then when that debt is finished, take the money and move it to the next debt, plus the minimum from the last debt and the minimum of the current debt. Then add that money to the minumum of the next debt and in no time you will debt free. Makes perfect sense. I came up with that plan once, just didn't follow through. It is a good way to pay off the morgage as well.

3. Use Cash. Cut up your credit cards. All credit does is make the creditors rich. If you cannot buy it cash you cannot afford it. What putting things on credit does is make compound interest work against you. He used 600 dollars which took this one family 9 years to pay off and it turned into them paying 2000 dollars. Make compound interest work with you rather than against you

4. Get out of the monthly payment mindset. One thing that is taught in this country by the creditors is the fact that you can afford something with easy monthly payments. What easy monthly payments do is make the creditors rich. He used an example of this lady at one of his conventions. She was happy that she was paid 25,000 dollars for her new car. He asked her if she would of paid 29,000 dollars for the car. She said no she would not. Well then he asked her how much she was paying and for how long. She answered 600 dollars a month for 48 months. He of course broke that down to she is going to pay over 29,000 dollars for this car. That is 4,000 dollars that she could of invested. That is 4,000 dollars that she was going to pay for not waiting. That sounds like a lot of money to me. Monthly payments mean less money for me and more for the creditors.

5. Save money. Buy things you need and not want. Control your impulse buying. If you really want something, wait a couple of days before buying it. Make sure it is something you are actualling going to use.
a. Do not keep up with the Jones. The Jones are going broke and into debt. They will be eating catfood on crackers when they retire if they do not save up. In the book Millionaire Next Door, they did a survey of millionaires. They discovered that 70% of millionaires drove 3 to 4 year old American cars. You do not need to look like a millionaire to be a millionaire. Most people who look like Millionaires are actually renting that life.
b. Never buy a new car. He bought a gold caddie. He realized he bought the caddie for one wow from each friend. After that it was just John's car. Do not use the car as a status symbol. It does not make you sexier, it does not make you more successful. It just gets you from point a to point b. Use the fact that a lot of people give up perfectly good cars in 3 years. They are much cheaper and pretty reliable.
c. Buy from outlet stores and clothes that look nice but are out of season or just went out of style. Make sure they are base colors so you won't look like a fool.
d. Clip coupons. Search for them over the internet. With coupons you could save 10% on each shopping trip. This is extra important if you have kids, becuase feeding them is expensive.

6. Own your life and not rent your life. He developed this system because he was living the big life in the 80s. He had nice car, nice house, nice boat, nice airplane, nice clothes, nice jewelry for the wife, nice everything. Then his business went belly up over night. He lost everything as his creditors still wanted money for his car, his house, his boat, his airplane and he did not have any money left. He worked hard to keep the house. Studies have shown that I think it was 80% of Americans were 2 months away from being homeless. Like me :). They are not living their lifestyle, they are renting it.

Well I have forgoten the rest of it. The CDs are about 80 bucks if you buy them at his website www.johncommuta.com . I thought it was good as it broke a lot of things down in ways I wish were broken down to me when I was younger. I heard of the problems with debt, but no one really taught me with numbers. Well I am going to give it a shot. A bigger shot when I actually get a job.

Scrubs
Why aren't you watching this show?

Committed
Not a bad show.

Random Thought of the Day
Living without cable is easier than I thought it would be.

Feel the wrath of a bandit stealing time, with red text.