The primary performers on another side of the screen are respected professional writers using an enormous expertise in composition writing. Authorship is a sort of phrase which can’t be educated or learned. You ought to be sure you employ a superior and non – unpleasant terminology when writing on expository composition matters. These superior composing methods are skills that anybody can learn. Continue reading an amount of banks and industrial financing organizations extends private figuratively speaking for community college.
For a long time now the country has been becoming more and more extreme. You have people on both sides who listen to friends who think the same way they do, and maybe even more extremist. Both sides have news networks and major blogs and publications that will support their point of view. People see these stories and repost them, and their friends repost them, and the see them over and over in their feed. This is the echo chamber effect. What is being said is irrational.
I can tell you that I have never unfriended someone for having different political views, and I see both sides in my feed. If you remove news that opposes your views you will be ill-informed. You will only see one view, and that view gets more and more radical as time goes by because no other voice is there to bring rational thought.
This happened as Obama took office. People on the left made him out to be their savior, that he would fix all of their social concerns. People thought he would pay their bills, give them free health care. There was so much hope in him that he was given the Noble Peace prize before he did much of anything. On the right the same thing happened. People kept saying he was the worst president ever. People thought he would be the source of Socialism, Sharia Law, FEMA Camps, death panels, martial law and much more. They thought he would take their guns, promote abortions and generally destroy the economy and the nation as a whole. Obama is NOT the savior and Obama is NOT destructor that so many memes and blogs made him out to be.
BUT this is ALSO true about Trump. Most of those that loved Obama now hate Trump, most of those that hated Obama now love Trump with as much varicosity. All of these people protesting what could happen with Trump are misled by the media just as much as when Obama was given the Peace prize. On the other side these people who think Trump is the savior are probably just as misled as when they thought Obama was the destroyer of our nation.
In retrospect Obama was a fairly weak, non-effective president. He did not bring disgrace to his office as Clinton did but he did not inspire us like Reagan did. He spent his first part fighting with the Dems and getting almost nothing done, and then the Dems were replaced by Republicans and then nothing of major importance got done. He could only act by executive order. Most of what he did was not majorly important to the vast population, and easily reversed because it was only an executive order and not a law. His only major impact was Obama care. Passed in the middle of the night on a holiday weekend using rules that were hardly fair. It never should have passed. But then it did have some positive effects, helping some get health care, but making it harder for others. But it was not good economically, and most companies involved in it had major losses. So it did have some good parts but a lot of bad also. He ended up leaving office by going on a goodbye tour, going on TV shows and giving speeches. It was nice when he was singing the national anthem when he arrived as his goodbye speech.
He seemed to be a good man, focusing on the prayers during Trumps inauguration.
Trump has been plagued by a media that is highly negative on one side. They have been creating fear in their audience, and whipped them into a fervor. Resulting in protests that are on the verge of riots, smashing windows, and setting things on fire. Fear is a very powerful motivator, just after Obama took office this fear fervor created the Tea Party movement, record gun sales (Because people thought Obama would stop sales any day), and grew the Republican party faster than any time in recent history. The people who are anti trump, however, have much less respect for law and order than he people on the right did. They will be much less peaceful than the right was. They forget that people on the right spent the last 8 years buying guns, and gun laws have become much more free in right leaning states.
My prediction is that Trump will not do anything of consequence to hinder the LGBT community, he has shown that it is a non issue to him. He loves and adores women, and will not trample their rights, no matter how much the liberal media has made you think he will. Trump is very smart, and I honestly think he loves America and will do what he thinks is best for America. The problem is that what he thinks is best is not what others think is best, but maybe his logic is correct. He does not think we should let Muslims in during this time of ISIS, and I think he is correct, just as we were correct not to let Germans or Japanese in when we were at war with them. I am not sure that the block on trade is a good idea, having studied economics so much, but it will bring more jobs in the short term. I think a wall is a good idea, but when it is in the middle of nowhere I am not sure we need a real huge wall, just a fence with some good sensors. Over half of our border is wilderness.
But I can agree totally that a smaller, less intrusive and less restrictive government will be better. We do not need the government to be our nanny, we do not need them to tell us what to do and how to do it. We also should not be babies and not put out our hand every time we are hungry or have any need. We should be adults, standing or failing on our own efforts. The adults in our nation love this idea, but the ba
bies, the snowflakes hate it, they have grown up with it and will be forced to grow up without it, so they protest, just like any baby.
People should give Trump a chance to be a good person and not be what the liberal media makes them think he is, just liked they asked the opposite people 8 years ago when Obama took office.
The problem with me writing a story like this is that those on the left and those on the right will disagree with parts of this, causing no one to share or promote this article. Lets see, I hope I am proven wrong, just like all those anti trump people will soon be, and all those Anti Obama people were. This is the problem that happened with Glenn Beck. At the start of Obama he came to fame feeding the echo chamber, and massed a huge following and created a media empire. But recently he saw that this was part of the problem, and that it was dividing and not uniting our country. Mr Beck has lost most of his followers and his empire because of this stance. The people who consume the media want the extreme. The more extreme a story is the more it will be shared and promoted, even though most of it is fake. This is the key problem, they make money promoting and increasing the extremism even if it is clear it is tearing our nation apart. My hope is that Trump will not do anything the left is afraid of, that he will make government leaner and fairer again and soon much of this extreme talk will subside, just as it did in the last few years for Obama.
Recently there has been a lot of talk about income inequality in America. There is some notion out there that it is ‘unfair’ for someone to make a lot of money. The thing is that there are million of people working hard each day to get rich. A few million people are entrepreneurs, people who take a risk and start a business, they hire people, come up with new ideas and in the mean time risk everything, and many of them fail, the best ones get up again and try again. Many of them work for years without getting paid more than the people who work for them, some work a whole year and make nothing. The stress about the business, the sales, the clients, and mostly about helping out the employees. Why do they do all of this? They do this because they have a dream, the dream to building something that will last, something they can give to their kids, and the dream of being rich.
So they work for decades and finally they are successful, they have a system that works and they are making good money, and they are now rich, making more money than any of their employees will earn in their lifetime. These are the people that the pundits are calling the problem now, they took the risks and made the hard choices to put themselves in that position, and people look down on them for it. It is a sad day in America where prosperity is a bad thing.
The main problem is that very few are educated now on how the economy works. America is a great country, there still is a lot of opportunity here. Someone can start with nothing, not even knowledge and learn in a short time how to do something useful for the economy, they can then work hard, and smart and become successful in a short span of time. I love to see how people come from other nations, nations where there is not much opportunity, and it is hard to get ahead, they come here and work hard, work smart and in a few years they are better off than most Americans. And most Americans resent them for it, sad.
I think that a lot of this comes from the lack of education most Americans have about how the world really works. Americans for the most part do not travel out side of the US. In fact only 36% of Americans own a valid passport, and only 6% of Americans, on average, leave North America per year. It is estimated that only 20% of Americans have ever left North America, and about a third of them did it while in the military. Once you see how the world works, your understanding of how good things are here in America really changes.
The Philippines is a below average nation in wealth, with a per capita GDP of just about $3,000. The average American makes more in 3 weeks than someone from the Philippines does in a year. But they still need to spend on food and housing and many other things. But no one there has an attitude of this being unfair, and that they should be given something for free. That is a very American attitude. They are thankful for what they have, they are happy for the most part, and everyone helps each other out. If someone is in need the family and community helps them. When they travel abroad, they come to work, because they know how they can make as much in a day here, as they do in a month there, they work hard, live simply and for that reason they usually have great success in the US and other nations. If you earn $1000 a month there you are upper middle class. People look at the wealthy there as something to aspire to become, not something to be taken down.
The attitude there is so much different and better than in the US. In the US people feel entitled to free stuff, we are raising an entire generation who feel that if they don’t want to work they should have free health care, free food, free housing and free spending money just because they live here. They feel that if they should bother working that they should make $15 per hour at least. They have not yet seen the reality of the world. Most Americans feel they need tons of money because they must have a $500 smart phone, with unlimited data, and they must have a nice big TV along with a big cable bill and of course, the most expensive of all they must have a car. In almost all of the world a car is a luxury only the most wealthy have. In most nations car ownership is under 15% of the population. In our entitled society even the most poor among us feel that they need a car, and of course they should not pay for it.
I am a fair guy, I think that if you really can’t work that you still should be taken care of, I feel that the primary job of this should be done by charity, and that the successful among us should support such charity, but this is being done by the government, and we are forced, with threat of violence to support it, so we have become a less giving society. I think that widows and orphans should be taken care of, given food and housing. I think that the really disabled should be also taken care of. In none of these cases should they be given money that they can spend on anything, but given vouchers for housing or food. We need to redefine what a disability is, right now anyone with even a minor problem can be called disabled and get free money. The vast majority of ‘disabled’ people could easily hold a job. In fact many people who are getting free money from the government do hold jobs, they just work under the table, that is why the number of people working under the table or 1099 is now almost 1/3rd of the workforce, they want to work, but don’t want to mess up their free government money. We have really gotten ourselves into a huge mess. The problem is that about 1/3rd of the population is dependent on this system now.
We need to start to see things as they really are. When you take money from someone who earns it without having the use of it and give it to someone who has it without earning it you are a thief. You are teaching them both the wrong lesson, you are teaching the earner that they will be punished for doing well, most do it anyway because they still get to keep most of what they earn, but there is talk to make it more and more progressive of a tax if you earn more. You are teaching the receiver that they can use the government to get them free stuff, that there is no need to better themselves and to work hard, that things will be handed to them. This also puts the government in a morally wrong position, a position of being the thief, true everyone loves robin hood but he was still a thief. This is on a much more massive scale.
I have no problem with a well run government to provide for the common defence, to build roads, and provide a good education, safe places to live and places to gather such as parks. I even think that the wealthy enjoy such things more than others, and use such things to prosper themselves so they can pay a bit more. I don’t think that there should be loopholes, the government should not use the tax policy to tell people what to do and what not to do. But most of all I don’t think that they government should be taking money from one group and giving it to others as a wealth transfer. Did you know that only 34% of our federal budget is spent to actually run the government, all the rest is used to move money around from one group to another. Now to me that is what I call Unfair. Some CEO who worked hard his whole life and makes a huge amount of money is ok by my, he worked hard to get there, he is likely providing much more in value than he costs or why would he be there. But taking his money and transferring it is totally unfair. Most people who are in favor of such transfers are usually the recipients of these transfers, or they hope to be.
I am sure that many will argue with this essay, they simply see the world differently than I do. They usually have never owned a small business, have never traveled overseas, or they simply were raised with a different mindset. People can rework stats and %’s to make almost any argument, all of my stats came from the most common official sources.
Let me close with a story I heard, if you have a bed to sleep in, a toilet that flushes, and a fridge to store your food you are in the richest 23% of the world population, if you have a computer or smartphone, now you are in the richest 17% and if you have a vehicle you now are in the richest 8% of the world population. There are 6.4 billion people in the world, so 64 million people would make up the top 1%….of those 64 million people over 40 million of them live in the US. If you live at the poverty line in the US, you are still in the top 5% of the world population. If you live at half the poverty line in the US you are still richer than over 85% of the people on this planet. So stop wining, and take advantage of the opportunity this nation provides, literally billions of people would do almost anything to be in your shoes.
So tonight Ted Cruz won Iowa. First I want to make it clear that for many years now whatever republican Wins Iowa has NOT won the nomination. This year it may be different, this year it may be the same. Of all those running for president I think Ted is likely the one closest to the way I believe, BUT he has a few major problems. First, according to what I was taught and believe I feel that him being born in Canada makes him ineligible to be president. Second, I don’t like some of the more dirty things his campaign has done recently, such as the email telling people in Iowa that Carson was dropping out. Third, I totally dislike his tax plan. But with all of that I have watched all the debates, and I have problems with all the rest also. So I am torn, I really don’t know who to support. I guess it does not matter much really, the nomination will basically be over and decided before Arizona gets to vote. I can’t stand either of the Dems so whoever wins on the Republican side I will support them.
In all cases I feel that the media and the dems are holding key data back on most of the front runners. They are going to wait until the republicans pick their candidate and then all hell will break loose against whoever that person is. We already know about the flaws of both of the democratic candidates, but the media does not care about that. In an interesting twist, in the age of young people rising up both of the democratic candidates would, if elected be the oldest president ever. I think that the media has the most ammo to attack Trump, they are pushing for him to win now, so that they can attack and destroy him later, and make sure their Hillary gets elected.
So as for me, I can’t really push for any of them, I was hopeful Cruz would be the one, but I am not sure if he is real or fake, he acts all holy and Christian for the cameras and then plays dirty politics in the backroom. Maybe Jeb would have been good, but he just never got traction, he had a lot of good ideas and he does have the money to make it to the end, but just not the love of the media or Iowa.
Weird Al decided to release 8 videos in 8 days. Some were instant hits, others not so much. He released some of them on different sites, and to help out some of his YouTube friends some were released on their channels, this makes it hard for someone to get a list of all of them in one place. I decided that would not do so I have made this list with the best copy of each of them I could find. So here are all 8 videos in one place. Enjoy.
A parody of Happy, a video about all of the tacky things to so many people do, some are just really rude.
My favorite of the 8, showing off some of the worst grammar mistakes that people make. It has great animation and is based on “Blurred Lines” by Robin Thicke.
A video showing his two main uses of Aluminum Foil, storing food and blocking the government from reading your thoughts. A great Parody of “Royals” by Lorde
He has taken the song of the summer, Fancy, and made it into a long commercial for a fake handyman service.
An orginal work, a funny song about a generic sports team, with a generic marching band. Funny. “We’re great, and you suck”
Stop motion animation, about name dropping and small encounters with or connections to celebrities.
A cute video about a whiney American who compalins about things that most people in this world don’t even need to think of.
A very nice video about taking all of those buzz words we hear in business meetings and putting them all into a song.
Today I had the pleasure of attending the 2014 Arizona Technology Council Gubernatorial Debate. It also was a business mixer for the first little part. It turned out to be a fun and informative event.
During the event they had a large screen were people could tweet about the event and they would show all the tweets live and the candidates could read the live feedback during the event. I was active on the tweet stream, look up hashtag #aztcgovs to see what was said.
There were a few surprises, the first and most shocking surprise was that Doug Ducey canceled at the last minute, many people there wanted to see what he had to say but he was a no show, a lot of people mentioned it on the twitter roll. The next thing that surprised everyone was how friendly the candidates were to each other, it was mentioned a few times that they all had deep respect for each other. GOP heavys Joe Hobbs and Wes Harris were both there working the room for Frank Riggs. There were also a group of folks trying to get the word out on Diane Douglas and how she is against common core, I agree with Diane on this issue, and was glad to see them there.
Education was one of the main topics of the night. All four of the Republicans were against common core. Scott Smith said that we needed to raise the bar, higher better teachers and challenge students, a lofty goal but no way on how to do it. Ken Bennett said that we needed to focus on the lowest 5% of schools each year and bring them to average and that if we did that for 4 years we would be one of the top states in the United States. He also said we should allocate the funds for teachers separately from other district funds so that they get paid directly and get paid more. When asked about school connectivity most of them did not seem educated on the issue and just said that it was needed. Only Christine Jones seemed to know that 150M was already given for this task and that this amount of money is more than enough to connect every school in the state that was not connected. It is just that the government bureaucrats don’t have a clue how to do it so all of the money goes wasted. Multiple GOP candidates said that we need to copy what is working in our best schools and push it out to all schools. Fred DuVal says that we need to throw much more money at the problem of lack of education, and that Common Core is the solution we have been looking for so that our kids can compete in a global marketplace. I can’t see how dumbing down our schools will help us compete globally, and if money was the answer to educational problems then we would have no more problems. We waste way too much money, and more money just leads to more waste. Fred DuVal ended his talk about education talking about Khan Academy, but he had all of his facts wrong, he said that Salman Khan founded it for his kids, but he has no kids, he founded for his cousin, he also said he sold it to Bill Gates, also wrong, Bill Gates donated $1Million (Pocket change for him, but still a good thing.) Google has donated at least double that amount. Fred if you want to use something as an example then get your basic facts straight.
Next they talked about the small business climate. Ken Bennett talked about how we need to remove the personal property tax on businesses, this is a tax that most states don’t have but kills many businesses here in AZ. It is where you need to pay taxes each year on the equipment that your business owns, such as servers or computers, or machines that make stuff. This tax is one of the main reasons that many manufacturers choose not to locate here. Removing this law is vital, and Ken Bennett was the only one that addressed it. Christine Jones talked about all the different rules that small businesses need to address at different levels of government and how it must be streamlined, that businesses need to focus on what they do to make money not dealing with the government, this is something I have said all along. She also said she will be like Rick Perry of Texas and make it her job to personally call on large businesses to get them to move here. Scott Smith focused on his history in Mesa of attracting Apple and helping turn around the williams airport and other things. Frank Riggs says he will personally chair the Arizona Commerce Authority and that will be his prime focus. He also said that the government is not in the job of choosing winners and losers and he would be against it making grants or loans to businesses and would be against angel investor tax breaks or any rules to make it easier for Venture Capitalists to do business here. Christine Jones and Ken Bennett both pointed out how these tax breaks and easier rules have generated many times more money for the state than if we did not have them and that they would be in favor of renewal. Fred DuVal said these grants and tax breaks need to be expanded. He also said that we should embrace Common Core.
When asked about the EPA and Fed overreach all 5 of them were against it, Scott Smith was strong on how bad the EPA is and that shutting down NGS will replace a small air pollution problem with a Major water pollution problem, because NGS gets us fresh water. He also said that they simply don’t understand how dusty Arizona is. He has even gone the the EPA in person in Washington to talk about this. Ken Bennett segwayed this into other forms of Fed overreach such as his case with them about ID at the Polls. Fred DuVal waffled a bit, saying that some of EPA things are bad but some are good and that we need to embrace a Cap and Trade system.
The final question was about Arizona’s image in the rest of the nation. Fred DuVal was quick to pounce on how awful it was, he focused on the 1062 problem. The others had good ideas how to make it even better, and how to reduce taxes to bring more businesses. One of them, I forget which one, said that we are in the new a lot because we are a thought leader on a lot of these issues and that others look to us to follow us. I liked that idea.
After attending this event this is my order of who I would vote for from these 5.
1. Christine Jones, she had obvious passion for doing this, she knew the right things to say and was able to point out the quick and easy solution to many problems. She mentioned how she helped create many of the rules that govern the internet and how she has worked for years making it free. The negative about her is that she has not been in politics and likely will have trouble dealing with bureaucratic minded politicians, because they are just illogical in their actions. I did love how she ended her closing remarks about going to “ChristineJones.com, proudly regestered for over 10 years with GoDaddy.com” I liked that. She did point out that she is the only one that does not owe favors to any political group. I personally like the lack of government experience, we need fresh ideas, and they need to come from the top. Before today she was maybe my 4th or 5th pick from the GOP field, she really has improved from the meetings from last year that we both were at.
2. Ken Bennett, he understands the system and how Arizona politics works, probably more than any of them, he did not seem to have as much passion but after 30+ of these events, with many days having 2 or more, I can see why. He is a small business guy, and understands change and progress. He said all the right things, had researched positions and would be a great leader for our state. I almost gave him first place, it was only because of Christine’s passion that I did not.
3. Scott Smith, he told a lot of jokes, was really friendly and his experience as mayor of Mesa has given him some executive experience. He seems like a nice guy. I don’t know how well he will work in a large organization like the state government. He did say he will fight the feds about the EPA.
4. Frank Riggs is a very conservative guy, he also seems like he would be very rigid. He seems like the guy who’s supporters will tear him up if he compromises on the smallest detail, the problem with that is there is no way to get things done with that attitude. He did have a good point that he served in the Federal government and that experience would help him work with the Feds. He also introduced the idea of a Consumption tax, and he said that such a thing would level the playing fields from out of state businesses selling into Arizona, and eliminate the black market. I have no idea what he means, or how this would work, and how can someone want a new massive tax and still look for Tea Party support, I don’t get it. On the positive note he was very nice to me and was the only one I was able to talk to for a few minutes.
5. Fred DuVal supports Common Core, Cap and Trade, and spending a ton more money on education, he has spent years working in the Clinton-Gore administration. He mentioned multiple times about how he would work hard to promote marriage equality and pass laws making all sexual orientations equal. He is likely going to be popular with those in college and those who have been brainwashed by our liberal school system. He is the only one here that will for sure be on the General Election Ballot, but lucky for us we are such a red state that I doubt he will have much of a chance.
All in all it was a great event, people were cordial to each other, and I was among friends, knowing many of the people there from other Arizona Tech Council events and AZGOP events.
UPDATE: They just posted the video of the event.
As many of you know I have been spending the last few weeks becoming a real estate agent. Real Estate is very complex and takes a long time to understand all of the different ways to own it, work on it, finance it and transfer it. There are also a ton of government rules and regulations regarding real estate, and then there are industry standards that must be followed so that we all can work together and speak the same language.
So really it is a system, with its own jargon, rules, laws, institutions and much more. It is really a business ecosystem and it works much the same way that computer ecosystems work in. You simply need to follow the rules and the format, copy and paste the code, and you have a contract. There are about 70 different contracts and 100’s of forms to amend or support these contracts. You can think of it much like WordPress and how you can snap in a plugin that you need. Working a real estate deal is much like this. After going to all of these classes I now see who the whole system works and it is very elegant and complete. It is mostly the same across the nation but each state has a few minor tweaks.
So I always resented the cost of real estate agents, heck that is one of the main reasons I want to be one, was to reduce them on my actions. I have always used an agent for things I have done, even though there was a cost. Now that I am an agent I am glad I did, we have heard 100’s of stories of the pitfalls of real estate. There are so many ways to mess up, and when you mess up it costs people money and if you are at fault they will make you pay. The system is so complex, and there are so many rules that it is almost impossible to not mess something up if you don’t get expert help, and often even with expert help things go wrong.
On top of taking care of the system, and making it all smooth for you a Real Estate agent has access to the databases of listed houses. Of course they created this gated database just for this reason, that you need to come to them to access it. Unless you are an expert, in the US today you really need an agent to make your transaction work without a headache. This is the advantage that some investors have, and why they can consistently make money, there are too many people who still have problems, and there is a lot of opinions of what something is worth, it is not a totally efficient market. A good agent can help you find the best deals, and stay away from the overpriced inventory. There are many good deals to be had, and just as many overpriced duds on the market.
So next time you need to buy or sell a house make sure you use an agent. And if you happen to live in Arizona give me a call, I will either help you myself or refer you to someone who can.
There is so much talk on the internet in the world of personal finance (PF) about having an Emergency Fund. I agree that an Emergency Fund is important; you want to make sure that you have enough cash to take care of a stolen laptop, or your AC going out in the middle of summer. There is a lot of focus on building this up quickly; most PF writers say that this is more important than paying down debt, which I also agree.
But my opinion, another important thing to create is what I call an Opportunity Fund. This is a fund of special money that you keep aside for in case a really good opportunity comes up. Opportunities come up much more than Emergencies, so this is the fund that I focused on first. I felt that this fund was critical to future success so I used many of the tactics that people like Dave Ramsey suggest when you are building your Emergency Fund. Such tactics include Selling Something, and cutting back on expenses, especially those recurring ones that most people don’t really notice, then finding extra income opportunities.
Most PF writers suggest ways with no investment to work hard and make extra income but with an opportunity fund helping out you can supercharge this and quickly pay down debt, build all of your funds up, and if you are doing really good you may even make a business out of your fund.
So I started building my fund about 5 years ago. We looked for people who needed to sell items quickly, to pay their bills or because they were moving, I stuck with electronics and computers because I knew the market and knew I could flip the items quickly. Most people who are selling things are not selling to get the most money, most people sell because they need quick money, or want the item gone. Almost every week I buy a laptop from a parent who took it away from their disobedient child as punishment for something the child did. Most of these parents have no urge to get the most for their money, they just want the item gone.
I only use the fund to buy things that I am fairly sure I can flip quickly. I don’t want to deplete the fund so I make sure I can turn the items over and get my original money back along with a nice profit. Time is money so the longer I think something will take to sell the lower % of my projected sales price I need to get. My general goal is to double my money in 30 days.
I often buy things that are on huge sales. I built up my fund the entire summer and early fall my first year because I knew I could take advantage of Black Friday, so when November hit I made sure I sold as much as I could and made this fund as large as I could, then I spent a few days looking over the ads, and I targeted the things that had the largest amount below normal prices. Anyone can get things for cheap online, so I made sure that I was buying at a price low enough that even if I sold online I could make a large profit. On black Friday most people look for things for their house, they buy and hold on to these items until they are worthless, so even if you buy at the lowest price you still lose money financially. So many people focus on the TV’s and such but the real money I have found is in the smaller items, the ones that there are no limits on. My first black Friday doing this I focused on External Hard Drives, that were selling for 40% of normal price, bought a whole cart of them. I found wireless mice for less than 30% of retail price, got over 100 of them, found 32 GB USB Drives for just $9.95 each, still a good buy today, a few years later. I also got laser printers for $39 each, 22” Monitors for $89 each and many other good buys that most of the people just did not see. (Quick Tip, I use the site ShopLocal to find the best sales on new items.) I then listed these items on craigslist for more than I paid, also called up people I knew and asked them if they wanted any of these, I offered to come over and set up the items and show them how to use it. I spent $3000 that y
ear, and less than 30 days later I had the $3000 back into my Opportunity fund, AND I still had about half of the stuff left! I now do this every year, it is crazy the good deals that these places put out on small items, most of these prices are less than the cost to make the item.
But the real, supercharged creation of money from my Opportunity fund came from used items. I know a lot about computers, so I offered to buy peoples headache computers off of them. I have focused on laptops, and I have purchased over 150 laptops each year for the last 5 years in a row from private sellers. By the time 2011 came about I was doing this so much, and needed more room and space that I opened a computer store. By that time I had built my fund up to over $10,000 along with $10,000 or so worth of computer parts. So I used it all to move into a store. I was able to get a very nice store on a shoestring budget, never stopping buying and selling. I then quickly moved into buying and selling much larger amounts of items. I depleted my fund to build the store but worked hard and smart to build it back up. I was putting all of the profits into building out the store, and getting extra inventory, it took a year to finally have in stock all that I wanted to have, then I started building up the fund quickly, once I had enough I quickly became free of consumer debt, for the first time in my adult life. I bought a car for my wife, bought a work truck for the business, then a new SUV for myself. I also have build up my opportunity fund again.
When a good friend of mine came to me trying to sell some items he needed sold quickly to help him with a fine he needed to pay, I was there able to help. When others needed to borrow money, I was there to help. When a deal comes across for 300 monitors at crazy low prices I am able to jump on it. When a computer store goes out of business I have the funds to buy all their inventory for pennies on the dollar. When a banner making company wanted to sell their plotter I bought it, now I can make vinyl letters for people, expanding my business. When a school auction went up I bought 50 chairs and 100 tables, sold 60 tables on craigslist and more than paid for it all, now I have the rest to use and help organize the store.
I am able now, with the combination of a nice Opportunity fund, a large moving truck, a warehouse, staff, and a store to move $15,000-20,000 worth of stuff per month, with only about 40% going into what we buy stuff for, and 30% going into overhead, the other 30% goes into build up the business, giving money away, helping people and saving up to buy our building. And yes the business has an emergency fund equal to 3 months of expenses, and so does our household. We have just meet these goals in the last few months, this will allow us to start to really do good things and help people out.
So I have said all of this to show you how thinking different, and building up a fund to take advantage of Opportunity is so important. Do it in the area you know about, if you are an expert on cars, then buy and flip cars, if you know about guns, there is great money in that, if you know about antiques, I know people who made fortunes in that, real estate works also if you have enough money, if you don’t have enough you can always use other people’s money. In 2010 and 2011 I did some large deals, and my Opportunity fund was not large enough, I was not shy at all about borrowing the money, doing the deal and paying back the money. Doing this allows you to follow your passion, to earn money by doing something that you love to do, and of course you can do it as little or as much as you like. I am sure 80% of the people who read this would never turn it into a business, most people just aren’t wired for that. But maybe you can use this fund to get out of debt, or buy that house you wanted, or even to build one massive Emergency fund, which you can always borrow from when a really good opportunity comes along.
The Big Box stores can’t seem to get seasonal right for Arizona.
Here in Phoenix we have much different weather than most of the rest of the nation, and every year this leads to tons of odd problems with seasonal items at stores.
A few weeks ago the pump on the swamp cooler for the warehouse of my store went out. A swamp cooler is a large air blower that sucks air through large pads that are sprayed with water and forces the cool air into your building. It only works when it is dry outside, and is really only useful when the temp is below 90 degrees or so. So in Arizona the time of year that it is 75-90 as the high is March-April and again from Mid-September until early November. We have very hard water here in Arizona so these things usually break about every 2 years; they only are $20 replace and are a 2 minute job so no big deal.
The problem comes in finding them; very near my store is a Home Depot so I went there. To my surprise they said that they are seasonal items and are only stocked from May until August. They said that is when it is the right time of the year to use them in the rest of the country and that Home Depot does not sell enough to make them a major item. My theory is that they don’t sell enough because they have the seasons for it wrong. I called up Lowes and they also said it is seasonal BUT they have a special exemption for Arizona and carry them in different seasons. One company is smart one is dumb. I guess I won’t even bother to shop at home depot anymore.
Home Depot is not the only one that has problems with regional seasonal planning. Wal-Mart seems to also have major problems with this in their clothing section. Right now it is mid-September here in Phoenix, and so far this month we have only had 3 days where the high was in the 90’s, the rest were all over 100 degrees, BUT Wal-Mart put all their shorts and summer clothes on clearance a month ago and they are sold out, while now half of the clothing section has sweaters, flannel long sleeve shirts and other things that are only worn here from late November until February. Maybe that is why Lowes stock grows twice as fast, they are smarter.
Most stores have a problem with this to some level; the solution to this problem would be to have a regional manager who is in charge of seasonal items for each abnormal region. I often wonder if Wal-Mart sells sweaters in Miami or did they at least figure that out…