How to have free cars for life!

Ever heard someone tell you "you'll always have a car payment"? My supervisor is the same way. He believes that it's not possible to live the American life without debt. How lost and confused some sheeple are...

While I'm not going to make a post on how to avoid all debt in life, I will post about a very easy way to pay cash for cars and never have a car payment again. The principles in what I'm about to show you can be easily transferred to nearly every other kind of recurring debt of this kind, so I guess you could say it's a sort of debt-free advice post.

So, you just can't wait to get a new car, right? Think the dealer made you a great deal? Okay, let's say you're like one-third of Americans that now have a 6-year car note of $26,000 at around 9.6% interest. That's about a $475 monthly payment. Now, buying a new car is never a good idea, because the second you drive your new car off the lot, it looses 25% off its value! So, not only are you in debt for $26,000 (which is really way more when you factor in interest), but you can't even turn around and sell your brand new car for what you paid for it 30 minutes ago! You're car is now worth $6500 less, and you haven't even put your first mile on it yet. And it gets worse. In four years, your wonderful car has lost about 70% of it's value and you still have 2 more years of car payments left! And it gets worse. After you've paid the car off, you've ended up spending $33,000 on your $26,000 car, which is probably only worth $6000+ six years later. Baaaaaaad sheeple. Not to mention, you're probably going to get car fever at the end of that six years, then go out and get another car loan and start this whole process over again. That is how sheeple live, and that is why they say you'll always have a car payment.

The problem is not just the math, it's the mentality. If you let yourself think that you're always going to be sending hundreds of dollars a month to a bank so you can drive a nice car, then the bank is only going to be too happy to help you live that dream. But, if you want to break off from the flock of brainwashed sheeple and start making your money work for you, here's an alternative:

Using our previous example, you wanted a car that came with a $475 monthly payment, right? Okay, well, let's lowball it and say that your current car is worth $1500. Let's say you keep driving your current car a while and pay yourself the $475 a month. After 10 months, you'll have $4750. Add that to the $1500 you can get for your current car, and you could buy a used car for $6250...and have NO MONTHLY PAYMENTS! So, to reiterate, you can upgrade your $1500 car to a $6250 car in 10 months, never having dealt with a bank! And it gets better! Let's say you keep paying yourself $475 a month after you buy the used car. In another ten months, you'll have another $4750 in your bank account. Since you bought a used car instead of a new one, the depreciation value over 10 months is probably negligible, so let say you can sell it for $6250. Add that to the $4750 you have in the bank, and you could buy an excellent, used $11,000 car in just 20 months!

So, by paying yourself instead of a bank, you upgraded your $1500 car to an $11,000 car in less than two years! And you were about to sign up for a 6-year contract at $475...you see where I'm going with this..?

And it gets better! Let's blow this only slightly out of proportion: Okay, so for 20 months, you've paid yourself and upgraded your car to a kinda nice one that you completely own. But let's say you keep paying the $475 to yourself in the form of a mutual fund specifically earmarked for car replacement for the remaining 52 months you would have been paying on the original car loan, and fast forward to the end of the six years...

...If you had gone through with the old plan, gotten a car loan, made payments of $475 to the bank every month, you will have just paid off your car, lost $27,000 over the past 6 years (if you include the interest you will have paid by now), and only have a $6000 car to show for it.

But if you had paid yourself instead, you'd have a paid-for $11,000 car which is probably still running, but getting a little old and you're wanting to upgrade. Want to know how much money you'd have in that mutual fund? Well, if the average stock market holds at its 12%, you'd have $32,000! So, you have a car that you own, and money in the bank, versus having a $6000 car and nothing in the bank. Which would you rather have?

At this point, if you go out and buy a used (or even new at this point) car for $12,000, you'd still have $20,000 sitting in the mutual bank earning 12% interest (did you catch that whole earning thing instead of paying?).

Now here's where things really start to go crazy.

If you never pay a single dollar more into your mutual fund, you'll still be able to buy $14,000-$18,000 cars IN CASH every five years! Woohoo! Free cars for life!

And it gets even better! Now that you're not making car payments anymore and the interest from your mutual fund is running on autopilot, let's see what you could do if you decided to start paying yourself $475 every month again. Of course, there's no hassle with the banks, no late payment fees, no repossession pressure that you'd have with a car loan, just money in your pocket.
If you did this, you'd have $100,000 in just 10 years! Wow!
In 20 years, you'd have about $470,000!
In 30 years, you'd have $1,600,000!
And in 40 years, that $475 car payment would be worth $5,588,385! That's a 40-year retirement plan with free cars!!!

I put this to you: If you can live with your car for just a little while longer and pay yourself first, you can really go somewhere. So make the choice today, break off from the herd of sheeple and change your economy. Recession-proof yourself by staying out of debt, being patient, and being the master of your money.

Modern Day Slaves

"The rich rules over the poor, And the borrower becomes the lender's slave." Proverbs 22:7

Sounds like a condemning Old Testament verse, right? That totally doesn't apply to today, does it? I mean, America did away with slavery in 1865, and they even had a war to solidify the decision! How can this not be a fallacy?

I believe the Bible to be completely infallible, inerrant, and God-breathed. If this is true, then slavery certainly still exists today, and it is absolutely rampant. I thought about writing this blog post about how credit card companies are run by amoral, lying scum, but realized I didn't have the time today (if you would like me to elaborate with several examples in a future post, please respond likewise in a comment).

"For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs." I Timothy 6:10

Some people think money is good. Some people think it's bad. Both assumptions are wrong. The Bible doesn't exactly call money either. Money is a tool. It is an instrument by which both good and bad things can be done. In that, money is like fire. Fire can be destructive, burning homes, forests, and killing people. But if used correctly, fire can create stronger materials (like steel), purify gold and precious metals, and heat a home, keeping people alive. Likewise, money can be used to buy someone food, pay for a home, buy a gift, or build a school or church. Alternatively, money can be used to bribe an official into voting opposite his conscience, or it can be spent to fuel a destructive gambling addiction, or it can be lent to someone with unmanageable interest, and then the borrower finds himself the slave of the lender.

Have you ever borrowed money from family? If you have, you probably know that this can be an extremely volatile situation. First off, the Bible strictly forbids lending money with usury (interest) to people who are your countrymen (Leviticus 25:35-38). Second, even if the family member doesn't specifically ask for interest, many times, they do expect to be repaid, and if you've ever been there, you know the relationship is never the same until restitution is made, and sometimes even after the recompense is made, there's a lingering awkwardness. 

Jesus warned against lending in Luke 6:35 - "...and lend, expecting nothing in return..."I believe that Christ's intention was to give to others freely according to their needs and your abundance. The early church was a model for this in Acts 4:32, 34-35 - "And the congregation of those who believed were of one heart and soul; and not one of them claimed that anything belonging to him was his own, but all things were common property to them... ...For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales and lay them at the apostles’ feet, and they would be distributed to each as any had need."

So, if we know we are not to lend to others expecting return or interest, can we not conclude that we are not to allow ourselves to become slaves to lenders by accumulating debt? I believe we can assume this. Consider the following:

1. "You shall have no other gods before me..." Exodus 20:3-4"

2. "...the borrower becomes the lender's slave." Proverbs 22:7

3. "No one can serve two masters..." Matthew 6:24 & Luke 16:13

Therefore, if you borrow money knowing you'll owe it back, you are temping yourself toward idolatry and bondage to someone other than God! What a radical thought!

Too many Christians think that you can't live life without some kind of debt. I can't tell you how many times I've heard sheeple say "you'll always have a car payment." I'm sorry, but if you believe that, you're an idiot because no one can make you sign for a car. And you're also deceived because having a car payment has only been the norm for about 50 years. If you want a smart, reliable way to have a car and not have a car payment, check out my next blog post. I'm going to do a plug on how to drive free cars for life and retire on around $5.5 million;) 


In summary, I say this: if you're borrowing money, you're turning yourself into a slave to someone other than God, because He does not loan out His gifts. And remember not to loan out anything, especially with interest. This is not God's plan for His people, His church, or His servants.

Aw....*^_^* This is so sweet:) .....or not:-p

Originally posted by Joseph L. Kilbreth on Tuesday, December 5, 2006 at 6:04pm

This is a reposting of an old blog from several years ago on Facebook and has not been proof-read or edited, so keep this in mind as you read typos and culturally late items. Thanks for reading!

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You know, I've been reading all those "What every guy should do for his girl" and "what girls should do for their guy" and all that fuzzies junk, and I really have to be honest. The plethra of notes, facebook groups, and quotes that are dedicated to this subject are really a little too high school for me.

When you think about it, what gives some single, lonely, chivalrous guy the right to tell all other guys that they should be more like him because he treats women correctly and with respect? Or what about the broken-hearted girl who got mixed up with a guy who just wanted sex, and she was forced to dump him? Should she start a chain note or facebook group just because she thinks she knows the standard to which every male in the world must hold himself to just so that she'll have more dating options?

Sure, some of the things listed are what guys and girls should think about doing, but not because some crazy self-righteous guy or girl starts a facebook group and gets all the "awwwwww"'s from the opposite sex for it.

I'm sorry, but Facebookers today are getting so caught up in the fuzzies and the actions of their significant other that they forget some underlying, undetectable characteristics that are only discernable through time and getting to know someone. Such as:

Girls, should a guy hold the door open for you? "Of course!" you say. Okay, I'll agree with that. But why? Why should he do that? Because you can't open it for yourself? Because women are better than men? Because guys should treat women with respect? You may or may not agree with one or more of those reasons, but the underlying idea has not been realized.

Guys, should your girlfriend restrain herself from going through your list of text messages on your phone? "Yeah! She should never do something like that!" Okay, but why? Why should she not do that? Because it's rude to do that? Because you'd never cheat on her, but she still should respect your privacy? Because you should be honest enough with her that she doesn't have to suspect anything? Which one is the good reason why she shouldn't do that?

The point I'm trying to drive at, is that IT'S NOT THE VISIBLE THINGS THAT THE BOYFRIEND OR GIRLFRIEND SHOULD BE LOOKING FOR IN THEIR SIGNIFICANT OTHER! It's their heart! And how do you know someone's heart? They tell you, right? Wrong. The only way to get to know someone, and what they want and need is to be around them. Make him/her a part of your life. Make them an IMPORTANT part of your life. Not the center of your universe, just a big chunk of it.

Yes, many girls may like their boyfriend to hold open the door, to watch the occasional chick flick, to deal with her period. But is that why you love your boyfriend? It shouldn't be. You should love him because you love him!
Yes, guy want their girl to let him have space, to let him have his geeky moment and hang with his friends that she just doesn't relate to as well as he does, but is that why you love her? NO! You should love her because you love her! Not because of something he/she does or doesn't do for you, but because TRUE LOVE IS NOT REACTIVE! It does not depend on what kind of person they are, It depends on what kind of person YOU are.

When I tell my Sarah that I love her, it's not because she's kind to me. It's not because she's sweet and considerate. It's not because she's beautiful. It's not because she does "the little things." True, my Sarah is all those things, but that's not why I love her. They just make it easy for me to LIKE her.

No, I love my Sarah because I choose to. I know what she likes/dislikes because I choose to invest in her life and getting to know her. And I know what she likes because SHE TELLS ME. Not because I had to track down her facebook groups that give some crazy list of what I should do because I'm a guy with a girlfriend. My Sarah is unique. She is not like "every girl." She has her own special likes and dislikes, and I take much pleasure in learning them, because I choose to. Not because of anything she can give me or do for me (and believe me, she has more to offer than any girl I could dream up), but because I have a love that originates from God, that doesn't wait for the other person to be "worth it" or to show some kind of characteristic that appeals to me.

This, I think, is what all couples need to do for their loved one. THEN, all that other stuff like good communication, "the little things", and the fuzzies just simply because a natural byproduct of decisions (and emotions) to love the other person.

Joe Legal vs. Jose Illegal

Thought this was interesting...

Here is an example of why hiring illegal aliens is not economically productive for the State of California...

You have 2 families..."Joe Legal" and "Jose Illegal". Both families have 2 parents, 2 children and live in California.

"Joe Legal" works in construction, has a Social Security Number, and makes $25.00 per hour with payroll taxes
deducted....

"Jose Illegal" also works in construction, has "NO" Social Security Number, and gets paid $15.00 cash "under the table".

Joe Legal...$25.00 per hour x 40 hours = $1000.00 per week, $52,000 per year.

Now take 30% away for state federal tax...Joe Legal now has $31,231.00.

Jose Illegal...$15.00 per hour x 40 hours $600.00 per week = $31,200.00 per year.
Jose Illegal pays no taxes...
Jose Illegal now has $31,200.00

Joe Legal pays Medical and Dental Insurance with limited coverage $1000.00 per month $12,000.00 per year.
Joe Legal now has $19,231.00.

Jose Illegal has full Medical and Dental coverage through the state and local clinics at a cost of $0.00 per year.
Jose Illegal still has $31,200.00.

Joe Legal makes too much money is not eligible for Food Stamps or welfare.
Joe Legal pays for food $1,000.00 per month = $12,000.00 per year.
Joe Legal now has $7,231.00.

Jose Illegal has no documented income and is eligible for Food Stamps and Welfare.
Jose Illegal still has $31,200.00.

Joe Legal pays rent of $1,000.00 per month = $12,000.00 per year.
Joe Legal is now in the hole... minus (-) $4,769.00

Jose Illegal receives a $500 per month Federal rent subsidy
Jose Illegal pays rent $500.00 per month = $6,000.00 per year.
Jose Illegal still has $25,200.00

Joe Legal now works overtime on Saturdays or gets a part time job after work.

Jose Illegal has nights and weekends off to enjoy with his family.

Joe Legal's and Jose Illegal's children both attend the same school.
Joe Legal pays for his children's' lunches while Jose Illegal's children get a government sponsored lunch.

Jose Illegal's children have an after school ESL program. Joe Legal's children go home.

Joe Legal and Jose Illegal both enjoy the same Police and Fire Services, but Joe paid for them and Jose did not pay.

Also consider the fact that there are some illegal immigrants/aliens that "buy" a Social Security Number illegally from American frauds who sell them. Those immigrants/aliens use those Social Security Numbers to get "legit" jobs. Those illegal immigrants/aliens get a job that pays (for example) 40k annually. Social Security is taken out of these "legit" incomes. These Social Security witholdings total about 60,000,000,000.00 annually. Because the identity of these illegal immigrants/aliens cannot be reconciled to their actual identity, those SS witholdings ARE NEVER COLLECTED. Where does this money go? It goes one of two places: It is absorbed into the national debt, or In the event of notional budget overflow, the money is held indefinitely until such time as national debt occurs, or budget changes are made that require this money.

In short, the government is making an average of $60 BILLION off of illegal immigrants/aliens every year!!!!!

Please take into consideration these statements before voting for/supporting any governmental leadership that would support illegal immigrants/aliens.

Folks, there's a right way and a wrong way to be an American. Granted, the process of becoming an American needs a LOT of work, and it is a tedious (and sometimes ridiculous) undertaking, but you don't rob a bank to make a living do you? So why cheat the citizens of America (and possibly yourself) by supporting those in power (or potentially in power) that would allow such things to occur?

p.s. A BIG "congratulations" to my friend, Jose G. and my other friends who have suffered the process of becoming an American the proper way. You guys (and gals) rock! You'll make better American than most of us!






just a thought:)A Little over the top, but thought-provoking.

I shall call him...mini-"G"

So, I was watching Private Practice (in truth, it was on TV and I was barely paying attention) when I heard a character make the comment that while she didn't believe in God, even if she did, she couldn't believe that God would allow her mom to suffer a painful, drawn out death via brain tumor.

I can't tell you how many times I've heard people make comments just like this one. "I don't believe in a god who sends people to hell," "I don't want to believe in a god that lets millions of African children die of starvation," and "I don't believe in a god that [doesn't fit the description I have in my mind]" are just a few comments I've heard.

While (1) God doesn't send anyone to hell--Acts 16:30-31, Genesis 4:17 & 3:17 etc. and (2) God doesn't cause famine from spite--Genesis 3:17, Mark 6:41-42, the bigger question is:

WHO ARE WE TO SAY WHO GOD IS AND ISN'T OR WHAT HE IS/ISN'T LIKE?

It sounds like these people are creating a god IN THEIR OWN IMAGE. Last time I checked, the Bible was the source that states who God is. It defines Him by His actions and words.

Consider these statements:
1. The God of the Bible is the Creator of EVERYTHING.
2. This same God exercises sovereignty (meaning complete control and power) over His creation.

Now, if you believe both of the above statements, then the following statement must also be true: God can do whatever He wants, whenever He wants, to whomever He wants, with or without anyone else's permission or approval. Now, if all three of these statements are true, then why do people who claim to be Christian (and Christ claimed that He Himself was God in John 1:1,14 & 10:30) say and/or think things like those original statements? It seems like too many people want to make God a mini-me version that they've conceived in their own mind, rather than looking to Scripture to get a true definition of who He is...

"Why?"

The following is a repost of a previously written blog dated September 1, 2010:



I'm quickly realizing that the reason soldiers get the stereotype of being dumb is because many times they're denied the opportunity to be anything else.

Too many times, I've heard the phrase "If you don't know something, just ask." That question should be followed quickly with "Just don't ask me a question that begins with 'why'. The job I do in the Army presents a HUGE learning curve for me. Not only am I new to the Army, but I'm working mainly with people who are much, much more familiar with the tasks, processes, and knowledge associated with years of experience. While there are good days and bad days, most of my frustration stems from a lack of understanding of the reasons WHY things are the way they are.

You can give a soldier an M16, tell him to aim at a target, and he'll pull the trigger. But what happens when his weapon jams? If he doesn't know why the weapon works the way it does or what's causing the issue, he's not going to know how to fix the problem!

There are two approaches to this situation from the trainer's perspective: 1) Tell the soldier what to do next, or 2) teach the soldier how the weapon works in the first place (essentially telling him WHY the weapon works). Now, which approach do you think would work best? I submit that a deeper understanding will always foster creative thinking, faster arrival at solutions, more reliable retention of those solutions, and in the case of the Army, very possibly prevent unnecessary loss of life.

In BCT, I was quickly taught how to perform remedial action on a malfunctioning M16. What I was not taught until much later was WHY I was doing it. I actually remember having to ask WHY I had to drop the magazine before recycling the chamber!

Today, in my job, I am very interested in what I do. I like working in communications. However, many times, when I try to gain a deeper understanding of WHY the communications network is the way it is, I am very often met with replies similar to "Oh, don't worry about that. All you need to know is this..." And yet, I am hypocritically encouraged that "If you don't know something, just ask!"

It is the "why" questions that often separate intellects from troglodytes. And this is why many soldiers (who may or may not have already been the dumb brutes that some people think they are) inevitably turn into the stereotypical know-nothings that I fear I will someday become, should I remain in the Army; the ones that actually want to know WHY things are the way they are, are shut down, ridiculed, and shunned from the "high speed" soldier cliques.

Now, in an extreme sense, of course I can't expect to know EVERYTHING about the Army. Even the President doesn't know everything about what and WHY the Army's doing everything it's doing. There's an unavoidable need for security with much of the Army's overall objectives. To quote Presidential Candidate John McCain in the Presidential Debates: "Maybe, but you don't say that out loud!"
But I don't ask questions to which I know I'm not entitled the answer, or at least I try not to.

I'm not talking about those situations though. I'm referring to the underlying denial of the opportunity to pursue a deeper understanding of one's own job in the Army. I spoke with an NCO who recently told me that if he doesn't know the answer to a question, he'd find out and let me know. Unfortunately, he's subscribed to the idea that if it doesn't help you complete the task at hand, it's not worth asking or investigating.

There's a reason that every time I've written the word WHY in this essay I've done so in all CAPS. It's to emphasize my frustration, petition, and I dare say, demand that other soldiers in the Army require a better reason why their superiors deny them the expansion of their own knowledge.

In closing, I have four suspicions as to why this problem exists:

First, there's the cop-out reason that the inquiring soldier is on a need-to-know basis and doesn't need to know. This is a cheap, cowardly response that should not be shared or propagated by anyone who calls him/herself a leader of soldiers.
Second, the reason some supervisors don't answer these questions from their inferiors is because THEY DON'T EVEN KNOW THE ANSWER. This is probably due to the fact that THEIR superiors didn't know either, and never taught them. This is self-evident proof that this problem is self-sustaining and self-propagating. All I have to say to that is danger Will Robinson, danger.
Third, because some leaders are afraid that if someone appears to be questioning the way things are done, that they might actually come under review and (Allah help us,) THINGS MIGHT CHANGE!!!!!!
Lastly, the reason these questions are not answered might be because the ultimate end to the path of asking WHY questions will lead the inquirer to discover that (yes, I'm going to say it), the Army does not have the answers to everything. No, the Army is not the end-all source of knowledge and truth in the universe.

For your own sake and that of your sanity and intelligence, please assist me in producing an unrelenting intolerance of the refusal to answer your WHY questions. Otherwise, you're just a replaceable asset to the war machine, and you, the inquirer will have to live with your decisions.


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'Til Death Do Us Part...Before Taxes

Do you, husband/wife, VOW to marry this woman/man, to love them until they continually annoy you? Do you VOW to stay with them so long as they don't get too sick for too long? Do you VOW to love him/her so long as they only spend as much money as you think is appropriate and don't accumulate any more debt than you deem appropriate? Do you VOW to stay faithful to them until someone hotter or more attractive shows up? Do you VOW to stay with them as long as you think it's a good idea? Do you VOW to keep yourself only for them and all the porn stars you'll watch whenever you aren't dedicated enough to focus your desires on your spouse?
Do you so VOW? Yes? Then you're just like over 70% of American marriages today.

Maybe it's just me, but when did marriage become a contract and not a commitment? When were vows replaced with bargains, and devotion replaced with interest?

It seems to me that far too many people take their car loan more seriously than their marriage. Seriously, people. If you can't keep your wedding vows--the most solemn, sacred, and serious promise a person could make--then how could anything you say, do, or promise in life be taken seriously?

And what of remarriage after divorce? Depending on the reasons for the divorce, how is the second spouse going to react to you saying the same vows to them that you said to someone else? How is the whole "'til death do us part" bit going to go over when you dropped your last mate because they put on some extra pounds over the years and weren't as attractive as they were on that first date? And what about the "for better of worse" part? Think you're second wife/husband will believe you when you promise that, even though you divorced your last partner because they spent too much money or got you in debt?

And what does the Bible have to say about divorce?
Malachi 2:16: “I hate divorce, says the LORD God of Israel.”
Matthew 19:6 & 8: “So they are no longer two, but one. Therefore what God has joined together, let man not separate” "Jesus replied, “Moses permitted you to divorce your wives because your hearts were hard. But it was not this way from the beginning.""
Matthew 5:32: "But I tell you that anyone who divorces his wife, except for marital unfaithfulness, causes her to become an adulteress, and anyone who marries the divorced woman commits adultery"

Some understand 1 Corinthians 7:15 ("But if the unbeliever leaves, let him do so. A believing man or woman is not bound in such circumstances; God has called us to live in peace.") as an “exception,” allowing remarriage if an unbelieving spouse divorces a believer. However, the context does not mention remarriage, but only says a believer is not bound to continue a marriage if a non-Christian spouse wants to leave. Others claim that abuse (spousal or child) is a valid reason for divorce even though it is not listed as such in the Bible. While this may very well be the case, it is never wise to presume upon the Word of God.

Here's the difference that many people miss: Marriage is a covenant, not a contract. It is a commitment, not a commencement. When I got up on the platform in that church in front of all those people and my future wife, I didn't say "I promise to stay married to you until you do (this), or so long as you don't do (that)."
Here's what I said (in so many words): "Sarah, I promise to stay true to you no matter what. My love for you is not dependent on your actions. Just like Jesus loves us, I will do my utmost to love you unconditionally. Nothing you can do or not do will make me stop loving you. I am committed to you. Even if you should ever stop being committed to me, I will keep up my end of the offer."

"Aw, but Joe, you've not been through what I've been through. 'She was mean', and 'he stopped loving me'." How many times have we done the same thing to God...and how many times has He forgiven us?

A contract says "If you do X and don't do Y, I'll do Z. But as soon as you don't hold up your end of the bargain, I'm gone!"
A covenant says: "Nothing can separate you from my love. I will love you for better or for worse; I will love you even when I don't feel like it; Even if you fail to keep your end of the promise, I will keep mine. I will love you even you don't like me, or when you make me mad, or do something wrong." Because after all, we're going to mess up eventually and need forgiveness too...

Ephesians 4:32:"Be kind and compassionate to one another, forgiving each other, just as in Christ God forgave you."

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