Money saving tip #7

Car repairs: They're outrageously expensive!! I have a plan to save you tons of money on car repairs!

When I first started to drive .. many, many years ago, I can recall the repair shops charging around 35 bucks and hour. Now today, they charge 76 bucks an hour. $76.35 an hour!!! How the hell do you justify that much money per hour?? I would guess that the owner pays his mechanics not more than 20 bucks an hour, leaving a nice healthy profit of 55 dollars an hour. Now considering you have 5 mechanics at your shop, times the 8 hours they work, makes 40 hours each day. And take the 40 hours each day times the $55.00 from each mechanic fee, and you get about $2,200.00 profit ... FOR ONE DAY!!!!!!!!!!!! And assuming your open 5 days a week, times 4 weeks is a nice little nest egg of $44,000.00 per month! That's $44,000.00 per month to pay yourself (the boss), the secretary, heat, lights, land tax, and stuff. Seems to Me you should be able to SQUEAK BY at the end of the year!!!! PRICKS!!!!

Anyway .... back to saving money. I figure in another 10 years, repairs will be around $125.00/hour!!! So to save money, go get everything fixed RIGHT NOW!!! Take your car in and fix everything possible today! Even if you just bought a brand new car, take it in and have them change all the fluids, the timing belt, new transmission, brakes, headlights .... EVERYTHING!!! **WARNING** - When you take your car in for this, the mechanics will NOT want to do this for you. They may even try to talk you out of it, or that your nuts. Don't listen to them, they're just trying to pad their wallets for down the road!!

You'll probably have a couple thousand dollars in repairs, but if you did it 10 years from now, it would probably cost you twice this much!! Save money now by spending it now!! You may think the bill hurts when your done, but trust Me, you'll be thanking Me down the road!
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Sometimes I think I'm just an 'Average Joe', but then days come where I have these brilliant revelations and I realize that I am special and unique and definitely have some purpose on educating the world. Thank you.

Vehicle Identification

We all know what a vehicle identification number (VIN) is. I'd like to introduce you to a new system that might just help show how stupid people are.

It would be the first letter on your license plate. That first letter would let the rest of the world know just how smart or stupid you really are. It would also eliminate people driving fancy cars that only have them to enlarge their EGO's, while owing the bank tons of money.

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Here's how it works:

If your first letter starts with F, that would mean that your car is financed and YOU do not own your car, the BANK does.

If your first letter starts with L, it means your leasing your vehicle (Which I personally can't think of anything much stupider other than drinking bottled water at the same time).

If your first letter starts with P, it means you vehicle is BOUGHT AND PAID FOR IN FULL.
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There you go .. that's it, simple, but effective. This way all you $40,000 Ford Excursion drivers out there with a F on your plate will be telling the world that "You have a fancy vehicle, but are too stupid and dumb to be able to pay for it". In other words ... a status symbol. Go get a Chevette until you can afford something better.

Also, if you're driving around in a 1996 Toyota Corolla with a P on your plate, we will all respect the fact that you OWN your vehicle, and while it's not a Hummer H2, you're better off this way.

And also, if there is a Hummer H2 driving around with a P on your plate, then guess what? Good for you ... it's paid for!! Maybe you're rich, maybe you love cars, maybe you're compensating for small genitalia. It doesn't matter!! What matters is YOU paid for YOUR vehicle one way or another. This ' helps' eliminate those deadbeats who go out and buy everything under the sun with credit, only to fall flat on their butt and want ME to bail them out when they cry for bankruptcy!! You know .. people with snob noses and no money ... YUPPIES!!

Also it would encourage people to buy what they can afford, and with the money they save not going to interest, eventually they can get a newer, nicer car. What a theory huh???

One last note, personalized license plates would only interfere with the labeling system, therefore they are not allowed. Besides that ... they're STUPID!!




Todays RBV: Matthew 16:28 Verily I say unto you, There be some standing here, which shall not taste of death, till they see the Son of man coming in his kingdom.

Here we have a passage saying that the people who lived with Jesus will not die until the Son of man comes. In other words, Jesus will return before their lifetime ends. SORRY .. kinda missed that one didn't ya??

Vehicles

Here's another thing people buy that I don't think they have a clue on just how expensive it really is. Vehicles.

Let's suppose you have a $15,000 used vehicle on a loan from the bank, a 2005 Toyota Camry. I didn't want to go outrageously high on the price even though I'm sure most of you are closer to the 20-30 thousand range.

The interest on a loan for 5 years would be about $2500.00 total, or $500 per year.

Insurance would be about $800 per year

Depreciation of the vehicle over the 5 years would be $10,000 OR $2000/year

Repairs and maintenance with oil changes and such would be about $300/year

Gas at $2.00/gallon (that's cheap!) with 15,000 yearly mileage, at 20 mpg = $1500/year

Yearly license plate tags about $100/year.

Add that all up and you have $5200/year for your car. That's $14 each and every day.

Now take into account most of you have at least 2 cars, that's $28 each and every day.

Think about what you do with your cars on a given day. Is it worth that much?? Around $30 bucks a day to go back and forth to work and maybe a trip to Walmart?? Holy crap!! Not to mention the fact that your car is LOSING value each and everyday that passes.

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Now lets do the same thing with a different car, a 1999 Toyota Camry, paid in full.

Value - about $4000.00

Interest on the loan would be $0.00 (it's paid for!)

Insurance would be $130/year.

Depreciation over 5 years would be about $1000.00 or $200/year.

Repairs would be about $500/year.

Gas would be the same as above vehicle at about $1500/year.

Yearly license plate tags would be about $50/year.

Now add that all up and you have $2380/year. That's $6.50 per day for your car.
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Hmmmmm, $14.24/day VS $6.52/day for the same thing. A savings of $2817 per year .. on just ONE vehicle. A frickin' trip to Disneyland for Christ's sakes!!! Take that times two vehicles, (the norm), and you have $5634.00 in saving per year!!

This is why I think most of you out there are FRICKIN' NUTS!!!!!!!! You pay over DOUBLE what you need to for your cars! And why? Because of the 'status symbol'? Because of that new car smell?

Both vehicles will provide you with good, safe, reliable transportation. Both vehicles will get you to work everyday. Both vehicles will be sitting in Walmart's parking lot having carts banged into it. Both vehicles will sit in the sun and bake everyday while your at work. Both vehicles will take you on your family vacation out of state each year. The only difference is ONE of them will cost you twice as much! Please note that I used conservative figures too, the difference would be even more dramatic if you used different vehicles.

It would be one thing if vehicles GAINED value (like a house), but they don't!! They drop like a rock! So WHY take a loan out on something that loses money??? I'll tell you why, YOUR STUPID, it's the American way to have this 'vehicle status' etched into our head. Need I say I think that the majority of people with vehicles today are STUPID!!!!

And lastly, some moron out there will say that the cheaper vehicle must only have liability insurance on it since it's so cheap. OF COURSE it only has liability on it!! Why would you pay a grand a year to insure something that's only worth 4 grand??? Did you happen to notice that the price difference between the 2 insurance rates for the 5 years is about what the vehicle is worth? In other words, IF you have the misfortune of totally wrecking your car, you can easily go buy another one with the money you saved by not buying a 'status symbol'. And chances are (like most people), it's NOT going to happen, therefore, you now have the best thing in the world ... money in the bank!!!

Wake up people and please for the love of our Savior Jesus Christ, quit being so damn stupid!!!

Get off the street.

You know what pisses me off ? People who park in the damn street.

So you have these dill holes that own more cars than a used car lot and they proceed to park most of them out in the street making it very difficult for traffic to get through. I say, if you can't get it in your driveway, you don't get it. I mean, if you have that much money to drive a car a day, then go buy a bigger damn house with a bigger driveway.

And then there are these retards that live in a single spot driveway that have a motorhome, boat, jet-ski. Then they go ahead and park this crap on the street or even on the boulevard! I can't believe what a bunch of retards people are. I say if you park your possessions on the street, it should be legal to throw rocks at, spray paint, and vandalize at will. The street is for TRAFFIC, or even someone visiting you, not for your damn parking lot.

Actually, it's not always a parking lot, it's more like a dump ground. Yeah, that's a better description. It's mainly these people who live in dumpville, who WANT to feel like their living the good life, so they own a 1960 fishing boat, and a 1973 "peice O crap" motorhome. Then they realize that their ARE living in dumpville, and they have no room for more salvage junk, so they park it in the street, lawn, or where ever else they can find room for their scrap metal.

So take your crap to the junk yard, or go rent a storage unit or something. Just get your garbage off the street and stop tieing up traffic and pissing me off!!!


Todays RBV:

Revelation 20:15 And whosoever was not found written in the book of life was cast into the lake of fire.

Book of Life

Page 1. Les

(There we go! I'm all set now!)