#car loans with bad credit rating

[sanchoyo]

u guys remember how I said I wanted to try and get a car this year as one of my resolutions… after months of researching I think I found the one I want. Finally. I am so sick of reading abt and looking at cars 😭

[auspakhomeloan]

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[loanslte]

What is the Minimum Credit Score for a Car Loan in Australia

Understanding the Car Loan Credit Score in Australia

When you're in the market for a new car, understanding Australia's Car Loan Credit Score requirements is crucial. This score is a numerical representation of your creditworthiness. It plays a significant role in determining whether you'll be approved for a car loan, the credit score interest rate you'll be offered, and the terms of your loan.

Credit Score: The Key to Your Car Loan Journey

Think of your credit score as your financial report card. It shows lenders your history of managing money, like credit cards, loans, and bills. A higher score means you've been a responsible borrower, and lenders are more likely to give you a loan with better interest rates. These rates affect how much you pay back on your loan overall. Lower credit scores can still qualify you for a car loan, but the interest rate might be higher.

Understanding How Credit Score Impacts Your Loan

Let's break it down simply:

Good Credit Score (Above 625): You're in the winner's circle! With a good credit score, lenders are more likely to offer you lower interest rates and favourable loan terms. This means you'll pay less overall for your car loan.

Fair Credit Score (550 to 625): You might still qualify for a car loan, but the interest rate might be a bit higher than someone with a good credit score.

Bad Credit Score (Below 550): Getting a car loan with a bad credit score can be tougher. Lenders might be more cautious and offer loans with higher interest rates or additional fees.

Don't Let a Bad Credit Score Stall Your Drive

Here's the good news: even if your credit score isn't perfect, there are still ways to get on the road to your dream car.

Improve Your Credit Score: This takes time and effort, but it's definitely worth it! Making your loan payments on time, keeping credit card balances low, and avoiding new debt can all help boost your score.

Consider a Co-signer: If you have a friend or family member with a good credit score, they can co-sign your loan. This basically means they agree to be responsible for the loan if you can't make payments.

Save Up for a Bigger Down Payment: The more money you put down upfront, the less you'll need to borrow. This can make you a more attractive borrower to lenders and potentially qualify you for a lower interest rate.

Shop Around: Don't just settle for the first loan offer you get. Compare rates from different lenders to find the best deal for your situation.

Car Loan Interest Rate Calculator: Your Budgeting Buddy

When it comes to car loans, understanding the interest rate is key. This is the percentage of the loan amount that you'll pay on top of the principal (the actual amount you borrow). Luckily, there are handy online tools called Car Loan Interest Rate Calculators. These can help you estimate your monthly repayments based on the loan amount, interest rate, and loan term (how long you have to repay the loan).

Boosting Your Credit Score

If your score could use a tune-up, here are some quick tips:

Pay your bills on time, every time.

Keep your credit card balances low.

Limit new credit applications.

Regularly check your credit report for errors.

Wrap Up

In summary, your credit score is a key player in the car loan game. It influences your loan approval odds and the interest rate you'll get. By understanding the car loan credit score requirements and taking steps to polish your score, you'll be in a stronger position to secure that loan and drive away with a smile.

Whether you're a first-time buyer or a seasoned motorist, understanding this financial metric can make all the difference in your car purchasing experience. As you approach the finish line in your car loan quest, consider partnering with the Expert Car Loan Broker in Melbourne.

With assistance from professionals like LTE Loans, you can navigate the credit score landscape with confidence. Drive on!

[digitaltechpro]

What is a Car Loan?

What is a Car Loan? Certainly! Car loans are a common way for people to finance the purchase of a vehicle. Here’s a brief overview: What is a Car Loan?: A car loan is a type of loan specifically designed for purchasing a vehicle. The borrower (you) receives a sum of money from a lender (usually a bank, credit union, or dealership) and agrees to repay it over time, plus interest. Terms and…

[journey-approved]

Low Interest Rate Car Loans for Bad Credit

Journey Approved has offered to Canadian people in British Columbia, Alberta, Yukon, and Northwest Territories. So they can apply for low interest rate car loans for bad credit. Get your auto finance today:https://www.journeyapproved.com/low-interest-car-loans/

[todaynewsonline]

Which Best Describes a Way People Can Use Personal Loans?

Wedding Expenses (Which Best Describes a Way People Can Use Personal Loans?)

Which Best Describes a Way People Can Use Personal Loans?:- Personal loans have become a popular way for people to address their financial needs. Those who need it can make personal loans a flexible financing option because they can decide how to spend the money. In this article, we will explore the different ways people can use personal loans. Debt Consolidation (Which Best Describes a Way…

[kouhaiofcolor]

Dude you know what makes less and less sense to me the older i get? The basis of being charged for rent and utilities in this day and age when we spend less and less time actually at home doing anything fr. Like when you take into consideration how fucking burnt out we are on a regular basis (esp and particularly among adolescents and young adults), how do I even have a bill for utilities I’m never home to really use for any significant amount of time?

I’m being charged increasingly for streaming services i don’t have the energy outside of work to watch with any actual consistency or attention. Most of the time I turn the mf tv on for white noise — to scroll through social media on my damn phone 😂 bc the sound of the tv in the background gives me this illusion of control over how I’m spending my time “leisuring”, only bc it’s something i can use to convince myself that the shackles have been at least temporarily removed. They’re never removed though. Literally ever.

You spend $200 on 10 damn items at the grocery store now; groceries that don’t even last, at that. The essential-est essentials have prices straight out of apocalyptic hell. At the same time, this is the same damn country that decided no one has a technical right to food or sustenance — with the phenomena of food insecurity all over the damn nation. People can’t even truly afford to take care of their health being tethered to working “tirelessly”, and with health insurance having no seriousness here whatsoever.

I’m paying 1,000+ damn dollars a month for rent alone, working for shit wages that never really budge in any way that matters and that I can’t actually save shit with, bc I never really have any disposable income. It’s just a fucking nightmare. How are y’all doing this with children??? How are y’all doing this with dependents and pets and car payments and student loans and credit card debt on top of a never ending series of American obligations?? How are y’all not losing your very minds living like this every day??? The math doesn’t even add up. Logic doesn’t even apply.

There’s nothing logical or fair about any of this. It doesn’t even make systemic sense the way we’re charged damn near everything year-round to exist here. How are they incentivizing y’all to breed playing w our rights like this in our faces?? It’s worth it to y’all? I could grind my teeth to nothing trying to make the vaguest sense of it. I feel so utterly squeezed by and ensnared in bills 24/7/365. And like………… in a way…… it kinda doesn’t make declining birth rates seem so bad? This really might be for the best.

Tf we supposed to do, just work for other human beings all our lives? 8 billion of us?? What right do human beings have to demand such consistent energy from other human beings? 😂 Just to be a vessel by which others procure and sustain wealth via our underpaid and exhausted labor while we struggle to survive on meager resources? Doesn’t seem sustainable. Or realistic. Or humane. I’ve never wanted to be here less. I’ve never wanted to not be needed so badly in my entire life. I’m so fucking tired of being here.

[carrickbender]

Sunday 7-

I had 2 drs appointments on Friday, one of which was a CT that was supposed to help figure out why I have so much pain in my right testicle(TMI). It saw nothing, so now we get to keep guessing. Boss told me to "take weekend off", but was doing the morning orders/teams call every day between 5-7, trying to fix stuff and do reconciliations. Glad they trust me with this, but wanna give a 'high five' to my imposter syndrome telling me im gonna get fired any day.

- had to take Henry to urgent care on Saturday, and it turns out he has the start of pneumonia. Wanna give a big shout out to the ARNP who told me she really thought he should just 'ride it out' after 10 days of awful coughing and that their kids 'were still in it after a month'. Yeah, the PA said there was no way he wasn't leaving without antibiotics. Made me feel like an asshole parent... he's on day 2, and already more of himself.

- I went back up there today for me, and I have pretty severe bronchitis. He put me on a different antibiotic, more steroids, refilled my inhaler, and actually listened to me. I mean, I appreciated his care and actual concern. Fun situation: while I was there, a tree fell across the powerlines and tripped off most of town, so they had to go to back-up generators. There was a hall full of people, in a brown out, that the staff were managing like pros. Seriously, we are lucky to have that place.

-after today, I have 4 payments left on my car. 4. I think we will wait till June, and then it's 4 door vehicle time. The lunabug is getting taller, and we want to go see my dad/stepmom in Eastern Wa in something that has space. Everybody and their dog has sent me one of those damn, "interested in a new car loan? It's OK to check your rate, and won't hurt your credit" messages and as soon as my credit union chimes in, I'm sure we'll have something to talk about.

- speaking of something to not talk about, I learned a new term and joined a subredit today called 'dead bedrooms', and yeah, checks out completely. I don't have a therapist yet, so it's not a bad sorce of info or me trying to figure out what I have messed up(apparently, yet again).

- so I had to stop at Walmart(yay for small business destruction by a corporate giant!) for meds/a few groceries and this dingus in an f250 with a WA st license plate celebrating wrestling decided he needed to back into a compact space that was in front of me. He almost hit the first car on the way in(who had to stop and back up), but then he literally backed his 'not a farm truck but a penis extension' into the compact space in front of me, and thanks to me backing up knowing he would have been sticking out if I didn't, he took 3 feet of my spot and his hitch was literally 4 inches from hitting my car. In my space. And that entitled piece of shit didn't even look to see how close he was, he just walked away like he was the king of backing up. Look, I have no problem with wrestlers, but the only one who matters in my life is John Irving, and I think he would have been sensitive enough not to be a shit bird like that! (Part 1 of 2 rant)

- I wanted to share a thought or 2 about something I've seen going about on here for a little bit, because I think i need to say avfew things:

I love that I have so many people I follow here who take stances for the poor, marginalized, POC, and other underrepresented communities-not just in a perfunctory way of saying 'I support you'; but quite a few of you are actually involved in helping bring about change and strengthening communities by being unselfish hands that help heal hearts- you inspire me to be a better person, really. As a person of faith, I see you doing the work that many faith leaders of old spoke of when they talked of when they said, "serve as you have been served, and love as you have been loved"- and seeing that faith in action, it has made me read more about liberation theology and revisit the works of the Rt Rev Bishop Desmond Tutu, Dietrich Bonhoffer, and Dr Martin Luther King jr(and of the later, 'Why I oppose the war in Vietnam' is just as relevant now as it was then). I thank you all for this inspiration and work.

But what I have really come to realize about myself is that I am a person of privilege. I am a white CISmale, straight, accessed a good education at a young age, had a huge extended family that helped raise me when my mom had me at 17, have never had to worry about my gender causing me to be looked at differently, have a good job(for now), have access to clean water, don't live in a food desert, and save for the fact that I understood discrimination at a very young age thanks to my last name, I know that I have lived a mostly privileged life.

But there is one privilege I will never take for granted, and that's voting. And yes, I don't always vote my conscience because at heart, I am a democratic Socialist. But I always vote in my local and state house election because it is in places like your local school board or your city council where you can stop the spread of groups like 'Moms for Liberty' or any of the other neo-fascist organizations that seek to change education or change for the worse how cities deal with their population experiencing homelessness. If I stay home from these elections, I feel like I'm spitting on my great grandmother's grave(whose name I found on the voting roll of the first year that women could vote in Basin, Montana). I feel like I'm not being a good parent or a community member for sticking up for my sons right(or other kids rights) to read books in the school library that have a rainbow(let alone letting kids see representation for non-traditional families that are just the same as everybody else!). So please, if you're feeling crappy about the election, this right here is the biggest way to affect change if you don't know where to start or affirm.there is something you can do to really make a difference. Don't see enough representation of POC on your city council, especially in multi-ethnic communities? Hear a trans voice that would make for a great representative for all people? Fill in those boxes, act locally, and get those folks elected! It works if you work it!

I hear a lot of voices talking about Joe Biden these days, and I feel numb and angry about a lot of things that have been done in our names too: I hate HATE what is happening in Gaza(PBUT); I hate our support of Saudi Arabia and the proxy war in Yemen; Our jaunts in Zaire and Jordan; I hate that we are no closer to universal Healthcare, but I understand that that road and others lead through a Republican congress. I love that child poverty is declining, but programmes that were designed to make this a reality are sunsetting. We have a barbaric and truly archaic policy on immigration, and every time(that's not hyperbole, either), every goddamn time a good bill has been proposed to deal with the issue, the bill has been met by the xenophobic forces on the right and their deep pockets fueling the media and it is destroyed out of fear. And let's not forget student debt forgiveness, the continued dismantling of public education by states like Texas and Florida, Our goal of dismantling of the prison industrial complex, the protection of reproductive healthcare, and the dire need for nationwide police reform.

Yes, our laundry list is long, but it is full of necessary things that need to change or be codified in order for a great change to happen for generations and the continuatonof this great experiment called the U.S.A.

And for all of this and more, I ask: where are the leaders of our generation on this? Where are the ghosts of John Lewis, of Paul Wellstone, and of Shirley Chisholm? Thankfully, our leaders and the ghostsbof their forebearers are there- they are doing their best, and thankfully we(those of us on the progressive side) are represented by POC women who will go to the mat for these issues and more, being inspired by those who came before them. But the more that I think about it, it's time that we offer an ultimatum: we'll give you our voting block, Joe. We'll help bring along the majority of the 9 million new voters who are coming of age this year, so you will have a supermajority with which you can put forth truly transformative legislation. Sure, you'll get us- for now. But if it's businesses as usual, if we are not knocking over the tables of the money changers, and if we are not investing more in programmes of social uplift than we are for the military industrial complex, then we strike. Not in 2028, as one of my absolute favourite people on here suggest, but in 2026, in early summer. Because it is people like me, those of us who have know privilege and continue to know it, who are finally waking up to the truth that we need to do the work. We need to do the heavy lifting. I'm willing to make that offer, and I hope I'm not alone, because there either needs to be a change in the way our political system operates, or we walk away and start our own political entity. I hope I'm not alone in the way I feel, and I hope that we can all make the proposition. We have the leaders, we have the people, now it's about courage. It's time.

But for today, if you can pull the lever for democrats nationally, I totally get it. But consider what I said about voting locally, and in local races and elect people who represent your values. It matters.

- ok, rant over: if you made it this far, know that I love you all and I hope this week brings good things for you. Remember what Pete Seeger always said: "Take it easy, but take it". Much love yall!

[bitchesgetriches]

Hey bitches!

So, I made the mistake of taking financial advice from my ex (who ended up being terrible with money, but I didn't know that because he kept everything financial super hush-hush). I thought he was a lot smarter than me and all this, so I figured he knew better than me about this stuff. I ended up with 5 credit cards, because he said the more, the better it is. Which, I guess in a way can be true, because of credit limits and in case emergencies happen, you have multiple options? But honestly, my credit was way better when I only had 1 that I paid off in full each month.

So, is it bad to close 4 of the cards? Would that hurt my credit? Or was my ex right and would it be better to keep them open? Honestly, I want to close them because of how my credit dropped having them and because I just don't feel comfortable having more than 1. But I spent so long working on getting my credit back to good that I'm worried that if I close them, it'll destroy the progress I made and then it'll take forever to restore my credit score to good again.

What do I do?

Thank you!

Fuck your ex. I hate that guy.

This is tough, because closing the cards will reduce the amount of credit you have available to you, which will then reduce your score. That said, if you're not comfortable having that many cards... then you shouldn't have that many cards!

Before we get to the advice, here are our resources on how credit works, so you understand all the complexities:

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Here are the steps we recommend:

Keep your oldest card open.

Evaluate the other cards. Are any of them charging annual fees? Do any of them come with rewards? What are the interest rates on each?

Evaluate your situation. Do you want to get a mortgage within the next couple years? A car loan? Anything else for which you'd need excellent credit?

Based on the above, rank the cards from best to worst. If you need good credit for a specific purpose, close 1 card. If you don't need sparkling credit any time soon, close 2 or 3 cards.

Request credit limit increases on whatever cards you choose to keep.

Maintain good credit habits like paying off your cards on time and in full every month.

Hope that helps, baby! Don't forget to study that link I shared above, which will provide loooooots of help so you don't get into this situation again.

If you found this helpful, consider joining our Patreon.

[lunarsilkscreen]

Value of Money

"When demand on [currency] goes up, its value goes down." - shameless self quote

I've written at length about the axiom I'm claiming to have invented. Now; I wanna go into the chain of events that lead to this axiom.

Many will decry Bernie Sander's and the Democrats, and socialists, and liberal media for using [minimum wage increase] as a key position. This is because arguably; the price of the things that those living on minimum wage might buy will increase in value.

Like food stuffs; which doesn't increase in purchase rates when consumers have more money to spend. It increases in price when it costs more to produce. However; a lot of food {nearly half in America} goes to waste (it goes bad before use). Which suggests; that farmers overproduce expecting that most of their produce goes to waste.

This ensures that ingredients are really available when you or I go to purchase them. Prices on unprocessed raw ingredients and bulk foodstuffs remain fairly stagnant. Because most prices that Farmers have to pay are to their corporate overlords, like Monsanto, or their local credit Union. (And to a lesser extent property taxes on land zoned for agriculture)

What we are seeing now isn't a price hike on the low end raw ingredients; but on processed foods, sodas, alcohol, fish, meat and dairy.

Why is this?

Well; we must first ask: why are those working minimum wage jobs asking for wage increases at all?

This has to do with the total cost of living. Electric and water prices remain a concern for your average person; and since the entire world is digital now; electricity usage rates are at an all time high.

Then the fact that the housing market is at an all time high, and prices to rent, along with discerning landlords; means that the bottleneck is at these prices (housing) overall, and to a lesser extent; prices of food that pay money to individuals who work in the supply chain after it leaves the farm.

Brand new video games after all are still 15-60$. So it's not entertainment's fault. Tesla might've increased the cost of their newest car; but that's more likely because Tesla's sales overall have dropped.

The value of money drops when demand on it increases.

What causes higher demand on currency? One could say that it's greedy people being greedy. Asking for more money because they can and that's it. They want the latest iPhone and Tesla Truck! Every year! (As opposed to when you need to buy one and can afford new)

It's not that. It's Debt. When the bank comes knocking, then the Lendees (the ones who borrowed money) need to pay it back; and before you go off on college students who are still working minimum wage because jobs can't afford to hire them; remember--This is affecting corporations like Tesla, Apple, Google, and Disney

All of who have cut back spending, and are still having trouble meeting their obligations.

(But record profits!)

Profits include money made over money spent, but not necessarily money borrowed. Because money borrowed is an operating cost. With a monthly payment to repay the loan; record profits could be made, and the company still needs to worry about paying back that loan.

Which means they (the corporations) expect sales to continue decreasing.

The National Debt (the amount of money currently in circulation, including bonds and other obligations) is *not* the same as the cumulative debt in the nation (the total amount of debt held by individuals and company's and any-entity-else the banks have lent to) which is a far more important indicator.

The National Debt goes down as tax money is collected and returned to the federal government. But the cumulative debt only goes down as people make a profit, and pay theirs back. This includes workers at minimum wage (who need to afford homes and a vehicle to get to work on time, or a bus pass if they live near a bus station that also goes to their place of work.)

Web search about the ease (or difficulty) to get a loan right now returns results like this article from CNN that talks about the decrease of loans being given out. Loan rejections are up for people with low indicator of default (failure to make payments.)

The banks aren't giving money as freely because they also have met their limits. And so we have this [inflation] issue. Debts can't be paid, so people raise prices in order to pay their debts on time; rising prices mean less sales, less sales mean more defaults, and the cycle continues.

Which again suggests outright; demand on currency is high. Demand on goods? Very low. Luxury Goods? Even lower.

Will increasing minimum wage help? Will forgiving debts? Will we be able to escape this black hole? Find out on the next episode of; "Somehow the entire world is in debt to itself, and it can't pay itself back."

[auspakhomeloan]

With over 24 years in property lending, Auspak Home Loans specializes in finding the right loan for your residential or commercial needs. Our deep understanding of the Australian mortgage market ensures tailored recommendations for your residential and commercial property Auspak investments. Choose Auspak Financial Services to achieve your investment goals and realize the Australian dream of owning your own home.

[thedeviljudges]

ok so maybe a tl;dr kinda post. it's me just writing down my thoughts about the apartment stuff.

tagging @clawbehavior @technitango in case yall wanted an update too!!

so i technically started my apartment hunt last year when i thought i was moving, and while i did realy love two places (owned my the same company so the floor plans were the same) - mainly bc of the amount of light it had from window set up, for the amount of sq ft you got for the price, it just didn't and still doesn't make sense.

but with those in mind and also touring apartments with my friend who was planning to move in this month, there's been a lot to choose from. there's another apartment on my list that another friend lives at, but i think ultimately it's similar to the two above where the price you get for the space isn't the cheapest, especially for what i need.

which led me two the last two apartments i toured today. starting with the second one:

the price is fantastic for the space (ideally need a 2 bedroom or a 1 bed with den/study; i'm hybrid for work). the place was fine. gated and really close to a major area of shops. the biggest issue is the visitor parking - it's all at the front of the complex, and there's only about 25 spaces to which the leasing agent said they're full most of the time. i also didn't get the wow feeling with it. it was just okay. i really wish i would've loved it bc on paper, it would've been great.

but the first place we toured? it's the apartment that had a great unit for the perfect pricing that someone snatched up two days ago (that i posted about a few days ago), and i'm so upset about it because this place is perfect. that unit was a 1 bed with study, but there's no more available so my next option is a 2 bedroom. i can afford it, technically, but it also means with utilities, my car note and other expenses, i won't have much left over each month for casual spending, etc.

which isn't necessarily a bad thing. so many people are in that position right now given the economy. and this wouldn't be that expensive if i didn't have my car note - so my options are to suck it up and go for the space and just be extremely frugal for awhile - with the intention of moving my banking to a credit union and try to apply for refinancing there, which would hopefully lower my interest rate and loan payment on my car.

i'm also inclined to go for this space because i truly fell in love with it. it's exactly what i need; the community is great. it's gated and safe, and i love everything about it, and it's one of the only properties that i truly felt i could live there and enjoy it. i'm also someone that is very intuitive, and this just feels right - like deep down i think i know i won't really be that happy anywhere else. and i hate to hype it up so much bc i know i could move in and end up hating it, but i truly think this may be it?? i'm just so hesitant because of the price. i feel really stupid for even considering it because i feel like what i should be doig is being more sensible, find a smaller place and save money - especially bc if i go with the bigger unit, it also leaves me with not very much to put into savings.

i have a quote, but i've seen the prices online fluctuate, so i'm going to test my luck to see if it'll drop down to a lower rate. if someone nabs the unit before me, then i'll probably forfeit the need for a bigger space, go smaller and then see if i can move into a bigger unit the following year. i would hate to do that because i really want to separate my work from my personal space (this is a big deal for me given my last toxic work environment), and it's easier to do that with a den/study or two bedroom, but i really love the place enough to consider a year there with a smaller unit and then potentially move within the same complex. like, it will suck not having the space i want and not being able to completely remove work (my desk would either have to go in the living room or bedroom, and bc my desk is in my bedroom right now, that's also a big no. i highly do not recommend putting work where you sleep). but i think i could hold out for another year bc i think i'll just be excited to have my own space.

so that's where i'm at right now tbh. i think i'm set on the apt complex; now it's just choosing the unit.

*i should also note that if i got a 2 bedroom unit on the 2nd or 3rd floor, that would be cheaper. my ideal is the first floor bc i've lived on the first floor in my current place, and i'm so used to it. i could possibly do a 2nd floor unit since it'd be less stairs to climb, but it's also not ideal.

[kharmii]

I just saw a post for the upcoming election you americans have and while they tried to promote to vote for Biden they (at least to me) promoted Trump even more by pointing out all the things wrong with this country right now caused by Biden.

I'm not american but Biden is a walkin senile laughing stock of the world. I doubt there is anyone taking him seriously.

I always was sceptical of Trump, thinking that it was odd for him to go for president. But after observing one presidency of Trump AND one of Biden... I know that the elections are going to be heated with lots of whining and bitching AND most likely some weird stuff going on in the background.

I feel things in the world need to change. 100 years ago the far right has been dangerous... nowadays it's the far left with an even more disgusting danger. You gotta be blind if you don't see it.

I just want this to be done and over with... and have fairly "normal" politics. Not stuff that belongs in an asylum being a daily occurence in modern day politics

Amazingly, Trump used to be a smug New York Democrat. Black people loved him. There are pictures all over of Trump shaking hands with civil rights leaders, and the name 'Trump' is thrown out in a lot of rap songs. He was the host of a popular game show called The Apprentice. That's why I thought he was a joke candidate when he ran in the Republican primaries during the 2012 election against Barrack Obama.

I was extra surprised when he ran again in 2016 and won the primaries. A lot of people were into him, but I voted for Ted Cruz still thinking Trump was a joke candidate. Ted Cruz wouldn't have won though. The guy has no charisma and even sounds annoying to some people. He has a used car salesman look. Anyway, when Trump won the primaries, the fix was in. The media kept putting out their usual fake polls saying that he had no chance against Hillary Clinton, an actual nasty character.

When Trump won, there was more hate in the media than I'd ever seen against a single person in my life. He wasn't supposed to win. We were given orders via constant media propaganda to vote Clinton and 'make history again' with a first woman president. Trump might have once been a Democrat, but he wasn't one of their guys. He wasn't a career politician who could be bought by the lobbyists. He wasn't perfect, but one of the first things I remember him doing was rewriting the income tax code so that working class people got a huge boost for married filing jointly or for the child tax credit.

He also pushed us toward greater energy independence by approving more drilling permits and pipelines. Gas was under or around $2/gallon. Food was cheap. Everybody's 401K was increasing. Interest rates were low for a loan. Everything was so good that all the people opposing him could do was call him racist and stir up the race and gender hustlers. There was a lot of rioting, and they are openly admitting that if Trump wins the 2024 election, a lot of people will die, and there will be lots more looting and rioting.

Trump should have won the 2020 election, but the media and government used the fake Covid scare to steal the election through the mail or through rigged voter machines that would show Trump in the lead until 3AM when suddenly Biden would instantaneously in a minute gain tens of thousands of votes. There was no accountability with the paper votes, and most people figure a lot of fake ones were thrown in. Biden somehow got more votes than Obama during his first term when people were excited about 'hope and change and the first black president'. (We got change alright, but it was all bad, like how his administration wrecked our health care). People were that excited about Biden. Nobody knows anybody who was excited about voting for Biden, but it must have been true.

About the time they should have been pushing for some meaningful audits in the mail in voting system and protesting Biden's suspicious 'win', the Powers that Be manufactured the January 6th 'insurrection' where Republican protestors who were heavily seeded with FBI agents posing as protestors were deliberately let into the capitol to mill about and basically do nothing. A woman named Ashli Babbitt was shot in the chest for no reason, but the cop was able to get away with it for being a black person shooting a white person. Since it was obviously shenanigans, it took years for the surveillance footage of the capital 'riot' to be released to the public so people could see it was nothing like they described.

That's where we are in the US. I'm not sure it will do any good to vote, but I'll get out and do my civic duty on the second Tuesday of November. Again, they'll say that 'voting for Trump is going to hurt gay people and Muslims and (insert victim class group)', but realistically, cheap cost of living is good for everybody.

[unpluggedfinancial]

Mastering Your Finances: A Roadmap to Long-Term Financial Health

Introduction

Achieving financial stability is a crucial step toward a secure and stress-free life. Effective financial management enables you to avoid debt, save for the future, and make informed investment decisions. In this comprehensive guide, we will explore practical tips and strategies to help you master your finances and achieve long-term financial health.

Section 1: Building a Strong Financial Foundation

A solid financial foundation is akin to the bedrock of a grand architectural marvel. Without it, the structure above cannot stand tall and resilient against the test of time.

Spend Less Than You Earn The cornerstone of financial stability lies in the principle of spending less than you earn. Much like the conservation of energy, where output should not exceed input, your financial health thrives when your expenditures are less than your income. Begin by meticulously tracking your expenses. Utilize tools like budgeting apps or a simple spreadsheet to categorize and monitor every dollar spent. Create a budget that aligns with your financial goals, allowing you to live within your means and avoid unnecessary debt.

Emergency Fund An emergency fund serves as your financial safety net, a buffer against life's unpredictable events. Aim to save 3-6 months' worth of living expenses in an easily accessible account. This fund acts as a safeguard, ensuring you can navigate unexpected expenses, such as medical bills or car repairs, without derailing your financial progress. The importance of this fund cannot be overstated, as it provides peace of mind and stability in turbulent times.

Section 2: Investing Wisely

Investing is the art and science of making your money work for you. However, like any scientific endeavor, it requires careful research, understanding, and strategic planning.

Understand Before You Invest Before diving into the world of investments, take the time to understand the various options available. Whether it's stocks, bonds, real estate, or other assets, each investment vehicle comes with its own set of risks and rewards. Conduct thorough research and consider seeking advice from a financial advisor. Their expertise can provide valuable insights and help you make informed decisions.

Don't Invest More Than You Can Afford to Lose A cardinal rule in investing is to never put at risk more money than you can afford to lose. Diversification is your ally in mitigating risk. Spread your investments across different asset classes and sectors to minimize the impact of any single investment's poor performance. This approach, known as diversification, enhances the stability and potential growth of your portfolio.

Section 3: Managing Debt Effectively

Debt, if managed wisely, can be a tool for growth. However, if left unchecked, it can become a burden that stifles financial progress.

Good Debt vs. Bad Debt Not all debt is created equal. Good debt, such as student loans or mortgages, can be considered investments in your future. They often come with lower interest rates and have the potential to increase your earning power or net worth. Conversely, bad debt, like high-interest credit card debt, can quickly spiral out of control. Focus on paying off high-interest debt first to free yourself from its financial stranglehold.

Debt Reduction Strategies There are several effective strategies for reducing debt. The snowball method involves paying off your smallest debts first, providing a psychological boost as you eliminate balances one by one. The avalanche method focuses on paying off debts with the highest interest rates first, saving you money on interest over time. Consider consolidating your debt into lower-interest loans or credit cards to make your payments more manageable.

Section 4: Boosting Your Income

Increasing your income is a proactive approach to achieving financial goals faster. It provides additional resources to save, invest, and pay off debt.

Side Hustles and Freelancing In today's gig economy, opportunities for side hustles and freelance work abound. Whether it's driving for a rideshare service, offering consulting services, or starting an online business, additional income streams can significantly enhance your financial situation. This extra income can be directed towards debt reduction, savings, or investments, accelerating your journey towards financial stability.

Investing in Yourself Your most valuable asset is yourself. Investing in your education and skills can have long-term benefits for your career and earning potential. Consider taking courses, attending workshops, or gaining certifications in your field. Continuous personal and professional development not only enhances your employability but also opens doors to higher income opportunities.

Section 5: Reducing Expenses and Saving Money

Reducing expenses is akin to tightening the bolts on a well-oiled machine. Every bit of savings contributes to smoother financial operations and long-term stability.

Cutting Unnecessary Costs Take a critical look at your spending habits and identify unnecessary expenses. Cancel subscriptions you no longer use, cook at home instead of dining out, and find ways to save on utilities and other monthly bills. Small changes in your spending habits can accumulate into significant savings over time.

Smart Shopping Adopt smart shopping strategies to maximize your savings. Compare prices, use coupons, and take advantage of sales to save money on everyday items. By being a savvy shopper, you can stretch your dollars further and make your budget work more efficiently.

Conclusion

Achieving financial stability requires a combination of smart spending, wise investing, and proactive debt management. By following these tips and staying committed to your financial goals, you can build a secure future and achieve long-term financial health. Remember to stay informed, adapt to changing circumstances, and celebrate your progress along the way.

Additional Resources

Consider consulting a financial advisor for personalized advice and guidance.

Utilize budgeting and investment apps to track your progress and stay on top of your finances.

Continuously educate yourself on personal finance and investing to make informed decisions.

In the grand tapestry of life, your financial health is a thread of paramount importance. With knowledge, discipline, and strategic planning, you can weave a future of stability, security, and prosperity.

Call to Action

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