Originally Posted by
bigtim6656
Sadly I am headed into the construction field. Though I plan to have the pen in my hand writing orders and checks. My plan is to design and build homes. I am working on fixing my credit right now. Should be way ahead when I get done. I got lucky and the local car lot got me a loan so I could trade my truck in. The only reason I took the 21% was to fix my credit it is just to hard to get a loan right now. I had to credit counselors tell me a loan was the only way i would fix it. My plan is to pay it off in a year or so and if i can trade in for a newer or new jeep at a low rate. The loan officer told me a pay of in a year i could get between 6 and 10%. At that rate i doubt my payment would go up on a new jeep. Then hopefully have it paid off right around the time i get done with school and get a loan to start my company. Then sit back work my *** off till 45 50 and hit the woods till i die.
Thanks alot guys. Alot of good advise here. Might wait on the Ar I need a new 52 inch lcd tv. My 42 inch ant doing it.
JUST JOKEING.
Though i am going to feel bad flaming the 1500 laptop guys when i buy one to run autocad. Though i have a good reason i guess.
The car loan of 21% ain't gonna fix jack. Pay the thing off and DO NOT get another vehicle. Drive that POS until it dies, then drive it some more. You are already upside down on it, meaning you owe more than its worth. Look at how much you will actually pay for the thing when its done rather then the payments. If you had it in cash, you would never pay what you paid for that vehicle. Don't even think about another rifle or car or anything else for that matter. PUT MONEY IN THE FN BANK!!! You should be doing nothing but studying and watching DAVE RAMSEY. Go to the library and get some of his books on FINANCIAL PEACE. See the problem with college is they don't teach you numbnuts whats really important.
FINANCE is first!!!
Now, as far as your career goes, you can forget it. You don't want to do it anyway, just look at your opening line. Real estate is in the toilet, contractors are starving. FTN. Whoever put the notion in your head should be smacked. You aint going to be building crap except more debt. It going to take 5-10 years for real estate to even look like its turning around. ....
SO, drop that crap and look to something that is always in demand. Medical is good, but your aptitude needs work. If you like trades, possibly look into plumbing or HVAC repair and installation. Why? because people poop and cant stand to be hot (or cold). Have any idea what an emergency repairs costs?? Yep, big freaking dollars. If real estate does turn around, you'll be positioned to build a house or two ON THE SIDE and make good dough-ray-me on them. See at that point, you'll know most of the builders and see all their mistakes.
That will be $100, please.
Oh yeah, you can't "sit back and work your ass off"
Why do I bother....