HEY KID STEP INTO MY WHITE VAN, I'LL MAKE YOU A MILLIONAIRE ON PAPER FOR 30 DAYS? WATCH THIS - intro

A lot of Black comedians joke that credit is for white people, or that Black people just don't have good credit and they rely on white friends to rent the SUV for the weekend trip. "Let's invite Scott to hang with us, since he can rent the van. He got that good white folks credit."

Well, I wouldn't be your rich internet dad, if I couldn't teach you how to get you some good white folks credit. *cough* even to the white folks out there without the good white folks credit. You see folks, what the Black comedians don't tell you is, that's all a joke. White folks are just as broke as Black folk and white folk don't pay their bills, just as much as Black folk. The real white privilege, according to real Black people, not these weird political groups, is the fact that white people are assumed to have good credit, not be a shoplifter, and not have fatherless kids, when the opposite is the fact. In fact, they're even worse. But, don't worry. Just like the weird white groups got the definition wrong on what white privilege is, the consequences of what real Black people think of what real white privilege is, is that it doesn't make a cotton picking difference to real Black folks. White people can be perceived to be nice, all day long, but unless they getting in the ditch right along with you, to make that daily bread, they're going to be just as hungry as the other people that don't make their daily bread.

No real Black person ever said white privilege, did anything FOR white people. Like that Eddie Murphy Saturday Night Live skit, where he painted himself white and they handed out money on the all white bus, and handed out free loans, without having to pay it back at the all white bank, THAT WAS A JOKE.

I'm the richest person for miles around, around here where I live, surrounded by white, Latino, Black, Asians. And what's funny is, my credit has words like, "exceptional payment history" on it. Years and years of perfect payment, no late payments. 

In fact, let's talk about that right there. Did you know you have to be something like 60 to 90 days late, before the company reports it to your credit? Companies play a big dog, but they're not the mean dog you think they are.

The moral of that story is, pay it, when you have it, don't just not pay it at all, feeling sorry for yourself that you just ruined your credit by being 5 days late. Don't worry about it.

Guess what? That exceptional payment history, technically is a lie. I've been late plenty of times, but it was only by a few days and I paid, it and the company was happy.

So what are my intentions on this series. These 10 steps

• - I want to teach you why credit, is amazing and how it can be amazing for you.
• - I want to lead you down the path of having the right attitude about money and what money really isn't
• - I want to fix your miseducation about debt and that there's good and bad debt
• - I want to teach you about stocks and how you should be a part of America, more than just a wage slave
• - I want to train you how to play the credit game and how the rules work and how they bend
• - I want to get you back in the habit of building your reputation, one of the biggest lies the left constantly tries to get you to forget, reputation goes a long way and it's not about police and politics
• - I want you to be an American citizen, because it is the greatest country on earth and our credit system can take you from rags to riches, oh and that's over and over, plenty millionaires lose and gain millions daily
• - I want you to train you to ultimately build credit for yourself and then be a real adult and be in business for yourself
• - Once that final key is in place, I want to train you how to step into business with a small loan of million dollars 
• - Finally I want to teach you how to keep your wealth, and not feel guilty about it, and only donate when you feel you want to, with a nice tax strategy in place to do it.

Here's some rules, also, for the series

• - I will give you info to do this quickly:
• - a week
• - 30 days
• - 90 days

A lot of people think credit takes time, but some of it, takes 3 business days, or one billing cycle. It's really fast, so you gotta be ready to pull the trigger.

Also, ignore FAMOUS people, most of them aren't rich and even more have little to no credit. They're just talking, to stay famous. THIS IS A KEY RULE. Famous people are ignorant, uneducated, have ulterior motives, are told what to say and can be downright evil, telling you something that goes against what's best for YOU.

This is really key right now, because we have a new category or group: people who are famous, just for being famous. The internet is full of them. They have no education, no skills, haven't created anything, but people put them in front of you, hoping you'll listen to them.

There's even actors and singers who can't act and can't sing and are FAMOUS. The technicians, behind the scenes make the movies and make the songs. And they're someone's kid, that got the job, in the first place. Don't listen to those people.

Finally, I'm gonna show you something, as a real part of the series, a real strategy, of how to make you a millionaire for 60-90 days, for you to setup your long term credit and wealth. For all you people saying you ain't got no money. Shut up and listen. Also, for all you people saying you ain't got no time for this, you got time to sit around crying how broke you are, then you got time for this. In fact, this is faster.  You can go back to saying you broke after this. It'll be a lie though, but that's what you should do anyway. Don't do this series and then tell people you got any money. They might try to rob you.

But point them to this series.

Are You to Blame for Our Runaway Government?

The Government Relies on Your Participation

Script



Scenario #1 - You just turned 24 and graduated from college.  You secured a job with a 50 year old firm as an entry level manager.  You move to the city.  You pay your first and last month's rent, plus deposit.  You have a moving company move your meager college level  furniture into your new apartment.  After meeting several girls and inviting them over, you decide to trash all of your furniture and just furnish out the entire place in rent-a-couch furniture.  You eat out every single day and night.  You finally meet a girl you like.  She doesn't like the city and you get a promotion to super peon manager step 2.  You end the furniture renting contract.  And, you go put a down whopping 2% down-payment on a house and put an entire house's worth of furniture on your credit card.  You take out a car loan, since you need a car to commute to work now.  Two kids later, you're enrolling your first-born into soccer and have to get a second job to pay for all the extra expenses.

Conclusion: the economy crashes and you lose your job, both jobs.  You lose your house you've been paying on for 2 years, because you now have negative equity in it.  Your car gets repossessed although you were a few months shy of paying it off.  You look up to the heavens and wonder where you went wrong.

Scenario #2 - You graduate from high-school with a C average.  You go get a job down at the steel mill working opposite shifts as your dad.  Your parents are alright to live with, but you dream of moving out one day.  One day your dad turns to you and asks you have you thought about where you want to live for the rest of your life.  That night at the kitchen table all of you, mom, dad, brothers and sisters, all discuss what would be the best place to live.  Your dad says there is absolutely nothing wrong with the little town you're in right now, but if you want to go see more that's fine too.  Your mom would like for you to go see other places a bit before settling down.  Your kid brother, the genius, brings a print-out of all the places and cities around the country of where the best jobs are and how long it has been that way.  He also brings a print-out of home prices and commute times to the city.  Your sister makes remarks about schools and kids.  Finally your dad says you should get a house with land on it, so you can always grow much of your own food on it, like you have right now.  So even if things go bad, you will always have food.  After much thought you do exactly that, after saving up for buying a house and buying a car full price.  You move to the city, the entire family helps you move and even helps you plant your garden / mini-farm.  You buy a small house, and furnish it with heirloom items and some other items you buy second-hand.  You get a job working construction just outside the city about 2 miles from your house.  You meet a lady and get married.  Two kids later, instead of soccer, they are tending the farm, and learn about plants and animals.  You never eat out, and your wife doesn't have a job.  She tends to the farm when you're not home and sells any extra produce on the front lawn when it's in season.

Conclusion: the economy crashes. But, you're an independent worker to begin with so you don't lose your job.  You don't lose your house since you bought it outright. Your don't lose your car since you bought it outright. You look up to the heavens and wonder when is it going to rain next, so the tomatoes can bloom.

In each scenario the jobs are of course different, but also the person's approach is different. While people are very hesitant to living, what they feel is, a backwards lifestyle, when the system crashes, they go down with it.  Way down!  While the person who is still tied to the earth might not live the jet-set lifestyle of a penthouse playboy, they also have a much more worry free life.

The government now is in bed with business.  The two are so intertwined that the business of government is now the government of business.  50% of all policy and government laws is geared to assist business, not govern people nor do the job that they were created to do, protect people.  But, the government only gets away with any of this, if you participate in the scam.

Scam #1 - CREDIT: credit is the biggest and largest systemic scam out there.  You are barraged daily, not just with the message of borrowing and spending, but that having good credit, to begin with, should be your goal for a happy lifestyle.  The message goes beyond just having credit, to the point that you should be so ingrained in the credit system as to assist yourself in it, by upping your "credit worthiness".  Financial planners now advise you how to get better credit.

-- STOP --

It's all a lie.  You don't want credit at all.  Your participation in the scheme is what they want.  Noone presents you with an alternative.  Now the average adult would say, oh everyone should know that, but in practical speech, 70% of adults are never confronted with even the possibility that you don't have to participate in the credit charade.

Credit cards launched a massive marketing campaign to not only get people involved in credit, but banks even started issuing  credit cards down to a local level, so that the entire system, top to bottom was saturated with the credit doctrine.  Stores launched their own credit cards.

But, it is all a lie.  You do not need credit.  Hell, even a debit card is not something a savvy person should use.  The person, adult, that knows anything about money, knows that you will never personally leverage yourself enough to have a winning side in the equation of banking and credit.  That means, that the message of use credit so you can have a better lifestyle now based on a fraction of the cost, is a losing position to have.

Use of borrowed money to increase production volume, and thus sales and earnings. It is measured as the ratio of total debt to total assets; greater the amount of debt, greater the financial leverage. Since interest is a fixed cost (which can be written off against the firm's revenue) a loan allows a firm to generate more earnings without a corresponding increase in the equity capital requiring increased dividend payments (which cannot be written off against the earnings). However, while high leverage may be beneficial in boom periods, it may cause serious cash flow problems in recessionary periods because there might not be enough sales revenue to cover the interest payments.

Here's the part that gets you, as a person, tripped up. Your leveraging, credit, does not generate you any income.  Even borrowing for a house or car, never generates money for you.

Scam #2 LOANS - taking out loans is a new thing.  There is still a very large percentage of the population that saves up money and buys a car in cash, or a house in cash, or all of their home furnishings and appliances in cash.  Noone is telling you this, because they are on the take and in on the scam of loaning you, your own money.

Here's the promise.  You take out a loan and you can buy far more house than you ever could, if you saved up.  It is completely and utterly untrue.  If you ever set aside the amount of money, in total, that you pay for the amount of time that you spend in a house, you would always come out ahead in savings, to loans.

Let me help you with the calculation: [ warning this might be forgetting some things ]

• loan
• down payment
• impound and taxes
• home insurance
• 3% to seller agent and 3% to buyer agent
• title insurance
• mortgage insurance [FHA]
• lender points for doing loan
• loan origination fees
• escrow fees

Now add in the devaluation of the dollar over that time period too.

If you saved that same amount of money for that time period, let's say 15 years, you could buy a house twice as expensive as the one you took out a mortgage for.  THAT is what everyone is trying to make sure you don't realize.

Americans used to save up and buy a house.  Or, better yet, live in the same house and the father and mother pass it on to the kids, while they are alive or when they die.  Americans also did not kick their kids out at 18.  This is more of the inner city phenomenon.  I have no idea when it started, but it has no logical thought behind it, nor no financial logical thought behind it.

The best possible thing to do as a parent would be to have a savings account for each and every child you have and put funds into it very single month.  Your child would even be better served by you taking that money and buying them a house with some land, at 18, than paying for their college.  If you did it right, you could have enough money for both school and a home.

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10 Things You Need to Ask Before You Marry Her

Before You Get Married to Her Money

Here's a quick quiz you need to ask your "soul mate" before you even pop the question. The reason for this, is that so many young people ruin their credit, right at 18 and then take 30 years to get it right. With that in mind then, could you be walking into a financial mind field? Oh you bet. You are right.

It would be wise, it would behoove you, to quiz the person about their money, before you go that "next step". It could be a massive fall financially, if you tie the knot, and her creditors come after you. Or, you were planning on buying a house right after marriage, and BLAMMO!! her credit is so bad you can't get a decent rate, or worse, a loan.

I knew a girl who was so far in debt and her attitude was just so ... childish that it boggled my mind. She had a car; wrecked it; still owed on it; let it default; then went back to the same company and they tacked on both car notes to her car. So in essence she was paying for two cars while driving one, she was upside down in the car. And, she didn't even care. She thought it was funny. She was already married at the time. I can't imagine what her husband thought. I didn't know him, nor never met him.

By that example, and some women just use "I'm only a woman" as an excuse to not deal with financial matters. I can't count the times I've heard, "oh my husband takes care of all of that." And, when he dies? She has no clue what to do.

The Pre-engagement Quiz

10. You receive a credit card in the mail. It says "free" and "you were preapproved." What do you do with it? The correct answer is - send it back.

9. You see an ad on t.v., at night, selling something you were actually going to go shop for the very next day, and it's $10.00 cheaper, even after shipping and handling. However, the company gives a P.O. BOX address. Do you order the product off the T.V. The correct answer is - go buy the one at the store.

8. Your cousin / nephew / niece asks you to co-sign on a car. You haven't seen them in a few years and you have no idea if they have a job. Do you co-sign the loan? The correct answer is - no.

7. Do you have a savings account?

6. Do you have a C.D.? [certificate of deposit]

5. How many cars have you had, and have you ever paid off one, and is the current one paid off or payments up to date? You should never, ever pay for another human's car expenses. If they can't pay for it themselves, that's a warning sign to leave.

4. Her living situation might be temporary so it's not adequate to ask about that. However, the ideal woman may be purchasing a house. If she is renting however: How much is your rent? How much do you make? Is your rent current? You should never, ever pay for another human's living expenses. If they can't pay for it themselves, that's a warning sign to leave.

3. You live one block away from a ritzy yuppie grocery store and one block away from a dollar grocery store. Of course the food at the dollar grocery store is rather bland, yet healthy. You need a better car to get ahead at your job, since your boss sometimes asks you to drive him / her to staff meetings. Do you scrimp and save and buy from the dollar store? The correct answer is - yes.

2. The latest magazines have crowned bubble bottom jeans as the must have jeans of the year, however, they cost $250. You know some shoes that would match but they cost $213. Your friend is having a party next weekend, and they are always getting on you about the clothes you wear. So far you have $800 [ask her] saved up in your bank account. Do you go buy the jeans and shoes and surprise your friends? The correct answer is - no.

1. If you lost your job today, and had no family, and couldn't get welfare, and couldn't get unemployment, could you go an entire year without finding work, from just your saving account? The correct answer is - yes.

If the girl that has caught your eye, answers any of these questions incorrectly, my advice is to move on. I'm sure love is a great thing and all, but being financially miserable is setting yourself up for a divorce. Those are just cold hard facts. More people get divorced over money than any other subject.

Since you're an adult, think like an adult. If you are going to dedicate yourself to a woman, it's not just physical. When you get married you are agreeing to: dedicate your body; dedicate your mind; dedicate your soul; dedicate your time; and dedicate your pocket book. If you are going to mix your pocket book, you have to know what you're getting into. If the person is just starting out financially, then you have to know how they think about money.

If you have $10,000 in savings it makes no sense to marry a woman that has none. You're not equal and the marriage would be awkward. Keep in mind $10,000 isn't a whole lot of money. But such a small amount is the difference between someone who makes a salary and someone who works hourly. Such a small difference is the difference between someone who doesn't have leisure time, nor leisure money and isn't used to neither one.

I've had friends and I mean a lot of them, whom if I said let's go see Batman and stop for a burger on the way would say "I don't have money". They didn't mean they were saving their money and didn't want to waste it on lunch and a movie. They meant literally they didn't have that much money to spend. Ultimately I had to get a new group of friends. I couldn't be "friends" with people I couldn't hang out with on my level.

Just as you see "lifestyles of the rich and famous" those people wouldn't hang out with me. Nor, could i hop on a jet and meet them in Paris. These are just financial facts.

Don't let your mouth write a check your behind can't cash. Don't get all head over heels in love with some girl AND THEN after the fact find out she's not only broke, but so deep in debt, it affects your credit.

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