Breaking the Chains of Debt, Forever!
The opinions expressed herein are my personal opinions and in no way represent the US Military.

August 4, 2008

Frustrating Flyers

Filed under: Business — Joel @ 1:41 am

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With our accomplishment pictured above, the good news is Amy and I with some occasional help from the kids were able to complete this four piece mailing to 716 law enforcement agencies prior to midnight. That is the good news…it was a long weekend getting there.

The fun started Friday evening approximately 339 pages into my 2,862 page print job…I ran out of toner. Saturday morning I quickly discovered no one in Springfield carried a Lexmark C5220KS cartridge, so I ordered one online and set out to print my remaining flyers.

I negotiated a nice deal at FedEx Kinkos and by Saturday night had all the flyers waiting to be collated, folded, sealed and labeled. We started around 2:00 pm and within ten hours, were done.

The real problem is the cost…I was hoping the cartridge could have survived until the 18th when I have classes again and hopefully money. The cartridge was $100 and the printing ran $128; all expenses I did not wish to incur until later this month. All in the cost of doing business I suppose!

July 31, 2008

The End of the Auto Lease

Filed under: In the News — Joel @ 3:48 pm

I watched this story last night on NBC Nightly News. I was amazed at how much stupidity could be combined in a single story. It begins by saying the auto lease was the key to millions of Americans purchasing more car than they could afford, and if you watch the follow up story, it ends with auto dealers talking about how it is their most profitable way to conduct business.

The end to many lease programs is prompted by the dramatic drop in value of SUVs and trucks. The premise of a lease is the lease company will have a vehicle return at the end of the lease period that is worth a given value. With skyrocketing gas prices, vehicles that are not fuel efficient are dropping just as fast as gas is going up making it impossible to accurately predict the end of lease value.

Going back to my days of selling cars, I remember how we always pushed the lease. When selling the lease, we steered the entire conversation to monthly payments. Once we found a payment that the customer was happy with, all the terms were set up to ensure we sold the car to the lease company at full MSRP thus getting the extra large commission that almost never happened on a typical purchase.  The finance department would also set everything up ensuring they made the maximum profit. Leasing a vehicle is the most expensive way to drive a car and I am glad to see it going away!

July 28, 2008

You’re Not Helping

Filed under: In the News — Joel @ 11:05 pm

As bad as this is, I love the Daily Show and Colbert Report. While I don’t watch now that I am home (I won’t watch it in front of the kids); I rarely missed an episode on AFN while in Afghanistan.

For those of you who don’t follow the shows, Jon Stewart is an anti-war guy who portrays a reasonable argument against the war in Iraq…in the form of comedy. Last year he ran several segments called “You’re Not Helping,” portraying some stupid things those on the far left are doing that actually hurt the cause of ending the Iraq War. Code Pink, MoveOn and many similar are frequent features.

When I first heard the motive for the shooting in Tennessee, that phrase immediately came to mind. He is frustrated with the liberals so he walks into a church he perceives to be liberal and massacres a bunch of people. Yeah…you’re not helping!

Advertisements

Filed under: Business, Debt — Joel @ 8:09 pm

The test project is underway…Amy added Google Adsense to my sidebar this morning…then spent much of the day filtering out rip off loan ads, which was our primary concern in placing advertising on this site.

The good news is I will be writing more often and expanding the material I comment on in order to draw new readers. I will continue my series of updates on my start up business and track my debt elimination progress even more vigorously. I will even throw in some helpful consumer commentary. Let me know what you think of it all.

July 26, 2008

Week One

Filed under: Business, Debt — Joel @ 6:49 pm

With one week under my belt, I am realizing just how difficult this new venture is going to be. After working until 2:00 am every night this week and getting up at 6:00 am every morning, I am tired. My efforts for one week netted me just over $1,000…all of which is allocated to market the 52 upcoming courses I secured the venues for earlier in the week.

While money is extremely tight right now, I am very optimistic. I have one signed contract with an agency and agreed to four more that I will be writing this weekend. Next week I will be sending out more flyers…this time to more than 650 agencies across Missouri. For the next three weeks I will be calling and visiting agencies promoting individual courses and contracting before I hit the classroom again.

The next 60 days are critical. In retrospect, I wish I would have put my debt snowball on hold and piled up more cash before I dove in head first. Since that isn’t an option now, I just need to push forward.  All of my interactions to this point have been positive, I just need more of them…lots more!

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