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      "body": "I recently stumbled upon https://vehileaks.com/district-of-columbia while searching for a car in the state of Columbia, and I'm so glad I did! The site has an impressive selection of both used and unused cars, and the filter feature made it incredibly easy to find cars that met my specific criteria. The detailed information provided for each car, including clear photos, helped me make an informed decision. The site was user-friendly and allowed me to compare different cars side by side. Overall, it was a seamless experience, and I highly recommend vehileaks.com for anyone looking to buy a car in Columbia.",
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      "body": "I'm not sure if I can find a good car at least in the state of Columbia with this site, but maybe I will, I'll go check it out.",
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      "body": "Greetings all, if you’ve never confronted a car selling challenge, don’t start with buying a car in the local market. Get a tour on ebay and craigslist for the sale first, even if it’s secured or for only a few dollars fee on craigslist for buying or selling your car on bad credit, and be sure that the creditor <a href='https://bricta.com/selling-a-car-on-ebay-vs-craigslist/'>selling a car on ebay vs. craigslist</a> to at least one or two of the credit bureaus. On Craigslist more options are given to advertising your car for selling even with a low credit score.",
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      "body": "This is very helpful, thank you very much for the resources. I've collected a lot of useful links lately already. And I would also like to share with you a link to the site https://createmysignature.com/, which will be useful to everyone someday, because there you can create an electronic signature or sign an electronic document quickly.",
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      "body": "You're right. Nowadays, unfortunately, it is impossible to buy your own home without a mortgage. People are lucky if their parents or relatives give them a home or leave them an inheritance. We didn't have that, so we bought a house with a mortgage. At first, we tried to negotiate a lease with the owner with the right to buy, but he turned us down. We really like this house and didn't want to lose it, so we considered mortgage options. My husband was prompted by a colleague to contact a <a href=\"https://Derbymoneyman.com\">Mortgage Advisor Derby</a> broker who helped us find the right mortgage option.",
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      "body": "Congratulations @singletonpress! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@singletonpress/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@singletonpress) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=singletonpress)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "# Thanks. I'm from Oregon. \nNow, I've heard that American citizens with annual incomes of less than $10,000 USD are not generally pursued, attacked, hunted after, normally, by the IRS, the USA federal government, that there is an exception for whether you need to file your taxes based on how much income you may receive. \n\n# I thought it was like $10K USD. \nMaybe it's 1K. \n\n# I do get how Bitcoin works. \nYes, Bitcoin is stateless (decentralized). Bitcoin is not a stock. It's not fiat. But would you consider Bitcoin as a service? Maybe not except for when you exchange Bitcoin to USD and not until then, like you said, like other people have said.",
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      "body": "Congratulations @singletonpress! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@singletonpress/birthday2.png)](http://steemitboard.com/@singletonpress)  2 Years on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-steemitboard-support-the-travel-reimbursement-fund\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmawPYDAwfrQM8YU6ejD1f87g64cvsmEFn8RQKHJMs4zxg/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-steemitboard-support-the-travel-reimbursement-fund\">SteemFest³ - SteemitBoard support the Travel Reimbursement Fund.</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "title": "HOW TO BUY A HOUSE WITH BAD CREDIT",
      "body": "<html>\n<p>&nbsp;Why is a typical mortgage 30 years? &nbsp;Residential housing has been subsidized for 100 years. &nbsp;It’s the reason people usually have to get a mortgage in order to buy a house. &nbsp;It’s been subsidized mostly with debt. &nbsp;If you ask most people in Europe and Asia, they own their homes without a mortgage. &nbsp;The thinking in most European and Asian cultures is that taking on long term debt to buy a house is perverse, or just plain stupid. &nbsp;I’ll tell you why a typical mortgage in the western world is 30 years, and it’s for one reason only, so that the banking system can use the 30 year obligations as assets and acquire pension funds, insurance cash flows and other liquidity. If we stop subsidizing residential housing, the prices will fall to a level that actually serves the people using the homes instead of enslaving them to the corporations that do not use the homes. &nbsp;This has to be a cultural change, just like our culture of saving and building or buying homes with cash and short term debt was changed to long term debt and zero cash deals. &nbsp;Wouldn’t a 7 year mortgage serve people better? &nbsp;I’m only asking this rhetorically because I want to get you thinking that it’s possible and even necessary. &nbsp;But for the purposes of this article, let’s just discuss how we can buy a house with bad credit. Let’s start with a premise that many people haven’t heard or don’t believe. &nbsp;It’s easier to buy a house with bad credit than get a two-year mobile phone contract or unsecured credit card. &nbsp;And one more, your first choice for lenders should be the seller. &nbsp;This is not necessarily true in a “fast market”, such as where homes are selling within 7 days, or even 90 days; however, the deals are still there. &nbsp;It’s just easier to buy a home where the market is slow… slower or slowish. &nbsp;You can easily determine how fast houses in your market are selling by asking a real estate agent or checking some of the real estate databases online, or just looking around the neighborhood. <strong>Lease with an Option to Purchase</strong> The most popular method of buying a house without traditional bank financing is the “lease/option”. &nbsp;My wife first objected to leasing because of the lost opportunity to accrue money in equity, but a lease contract can be written to preserve equity. &nbsp;For example, your lease can include an option to purchase the property. &nbsp;You can either pay for the option, or try to get the owner to give you an option to purchase at some point in the future, that depends on the market and sophistication of the owner/seller. &nbsp;The options contract appended to the lease agreement can include a provision stating that lease payments must be credited to the purchase price if you exercise the option to buy. &nbsp;The option can be exercised when certain criteria are met, such as by a certain date, or when the fair market price of the property reaches a certain level. &nbsp;The option state that the price is fixed or that the exercise of the option is based upon the fair market price at the time the option is exercised. You can make your lease/option agreement into a real owner financing deal by adding a provision in the option to purchase that the lessee has the “first right of refusal”. &nbsp;This means that if the owner wants to sell to someone else during the term of your lease/option, the offer must be made to you first and you have to be given the option of accepted or rejecting it before the owner. &nbsp;If you reject it, then the owner can consider the offer to sell. If you exercise the option to buy, the seller can hold the note, and in some cases, the deal might involve you finding a buyer for the note. &nbsp;This is typically what happens when you exercise a lease/option contract, but it’s not necessary. &nbsp;If you make a deal with the seller to finance the sale of his home, he will carry the note or allow you to make payments under the terms of a mortgage. &nbsp;You can do this at the beginning if you want, or you can work into this type of deal from a lease agreement. &nbsp;Some sellers want to carry a note, and there are some investors that want to buy these notes. &nbsp;This leads to another strategy that may help you close a deal. If you know how to find a buyer for the note, you can make this part of the deal with a homeowner who might not otherwise be willing to sell on owner financing terms. &nbsp;If he knows that it is likely he can sell the note and get his case now (at a discount rate of course), he might be more willing to finance the sale of his property to you. <strong>Subject To</strong> Most mortgages today are not assignable; however, there are ways to buy a home subject to the terms of the existing mortgage. When a property owner sells his home \"subject to\" the existing mortgage, the buyer must make the payments on the mortgage or lose the property by foreclosure. (That is the same as if the seller were not making payments on his loan.) However, the foreclosure will never show up on the buyer's credit record because the buyer was not legally obligated to make the mortgage payments on that existing loan. Such a foreclosure on a \"subject to\" mortgage will adversely affect to seller's credit record, not the buyer's. When you make a contract to buy a home subject to the terms of the existing mortgage, you reduce that contract to writing. &nbsp;That becomes an additional contract to purchase the title and possession beyond the mortgage. &nbsp;The mortgage lender is not concerned with the owner of a home making any contracts for the title of his property, provided that he doesn’t transfer the title as it may invoke the “due on sale clause” in the mortgage. A “due on sale clause” allows the banks or lender to foreclose if any changes to the title are made while the mortgage is pending because those changes might adversely affect the interests of the lender and investors. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p><strong>Cash is King, but Not Always</strong> Cash will help you more than not when buying a home. &nbsp;You will go very far with 10%, 20% or even 50% of the purchase price of the home if you can offer that as a down payment. &nbsp;&nbsp;You might be shocked at the idea of a 50% down payment for a home, but this is how people bought homes before the government reorganization of 1933. &nbsp;In addition, mortgages were no more than 5 years. &nbsp;The first home I bought was with a 15% down payment and a one year mortgage, which I paid in 3 months. &nbsp;I then sold the home and carried the note for the buyer, and then sold that note a couple of years later once the buyer restored his credit. &nbsp;I didn’t get rich, I only broke even, but I did manage to get rid of an “alligator” as they say (it was costing me money) and give me some liquidity that I used to make money. &nbsp;I didn’t use a second mortgage here, but you could use a second mortgage where the seller holds the note as a down payment, or some factor in the financing. For example, let’s say you want to buy a $250,000 home, and you only have $10,000 cash to put down. &nbsp;First I’ll caution you to review the deal and consider finding something that costs less if you only have $10K, but for purposes of this article, you want to make the deal. &nbsp;&nbsp;You need another $15,000 for the down payment, it’s possible that you can offer $275,000 on the home on the condition that the seller will carryback a second position note for $115,000 (not just the 15K). &nbsp;Your first position lender will see that your down payment was $10K in cash, $15 in seller financing and that the seller is also financing another $100,000. &nbsp;This leaves only $275,000 minus $10,000 minus $115,000, or $150,000 needed for financing. The only restriction on this is that the price offered should be very close to the fair market value in order to get first position financing. Seller “carryback” financing is basically when a seller acts as the bank or lender and carries a second mortgage on the subject property, which the buyer pays down each month. Not only is it offered as a means to getting the home sold, but often it’s necessary to get the deal done if conventional banks and lenders won’t offer the total amount of financing needed. By offering seller carryback financing more buyers will be able to qualify to buy your home. &nbsp;It also makes your home more attractive to buyers, and can boost the sales price of your home as well. In addition to that, you’ll be earning interest each month as opposed to a straight cash sale. The idea behind it is that if you believe in the value of your home and feel the buyer will make the mortgage payments without fail, it can be a good investment and a means to facilitate the sale of your home. &nbsp;In tough times, it may be the deciding factor on whether or not you sell your home as sellers shop around for the best terms. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>This type of transaction usually occurs because there are not enough prospective buyers who can qualify for conventional financing. &nbsp;If there were, there would be no need for the seller to take back a note. &nbsp;Even when the buyer can qualify for a loan, the buyer may not have enough for the entire down payment. &nbsp;In this case, the buyer gets a first loan from a lender who wants to be the first lien holder (usually a bank or sophisticated investor), and the seller takes back a second note and secures his interests with a mortgage or deed of trust. Because the buyer is able to buy a property that he or she would not otherwise have been able to buy, and because the value of the $100,000 face value note in the secondary mortgage money market is only about $70,000, assuming yields in that market are 15% at the time of this sale, the buyer may be willing to pay more than the current appraised market value of the property. &nbsp;This is true because with a seller carry back note the buyer doesn’t have to pay points, fees and other costs usually associated with an institutional loan. The seller carry back note can be structured in an almost limitless variety of ways. The note can be fully amortized with no balloon payment, amortized over a number of years, say 30 years, with a balloon payment at say 10 or 12 years. The note could be interest only with a balloon. It can even have stepped interest payments (for example, 8% in year 1, 9% in year 2 and 10% in year 3 through the end of the term), or graduated payments (for example, $500 per month for the first 12 months, $600 per month in year 2, $700 in year 3, etc.) The value of the note in the secondary mortgage money market depends on all of these parameters and more. &nbsp;The value of the note that is held by the seller is very important because the seller may want to sell his note. &nbsp;Investors may buy the note and the price they offer is based upon the terms of the note and the borrower’s credit of course, but more importantly, on the terms. &nbsp;The seller will sell the note for less than the face value because the cash he gets is worth more to him today than waiting so many months or years, and the buyer is willing to pay the discounted price because the note would fit perfectly into his investment portfolio. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p><strong>Peer to Peer Lending</strong> Also referred to as marketplace lending (or MPL), peer-to-peer (or P2P) lending is a relatively new form of debt financing. It enables a person to take a loan or invest in lending money without interacting with the establishment banking financial institutions. By running P2P lending services via online websites and integrating simple interface lending platforms, it has quickly become the easiest and quickest way to find a loan or lend. Additionally, P2P lending platforms often offer a higher rate of return for investments than that of financial institutions, providing a source of fixed income for services investors. <br>\n&nbsp;</p>\n<p>Following the financial recession of 2008, peer-to-peer lending companies became increasingly popular for borrowing and lending money. Banks were refusing to increase their loan portfolios; therefore, leaving common people and small businesses with little choice, but to seek resources elsewhere. Through P2P lending companies, another way was forged for common people and small businesses to find a credit lender. <br>\n&nbsp;</p>\n<p>Compared to stock market investments, P2P investing has grown as a substantial source of fixed income for many investors. It inherently is less tumultuous than the stock market and less volatile. The return rates on investments are also significantly higher and more stable than investments made on the stock market. <br>\n&nbsp;</p>\n<p>Through the accessibility to big user data, P2P lending platforms have grown in size and competition since their inception. Credit risks can be assessed more conclusively than by using a FICO score solely, which allows for credit to be granted within as little as five days from submitting an application. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>Most peer-to-peer loans are unsecured personal loans with most of the largest loan amounts being granted to businesses. However, if a borrower has collateral, such as luxury goods, jewelry, automobiles, art, real estate, or other business assets this can be used to obtain a secured loan. Peer-to-peer loans are not limited to personal loans, however. They can also include, student loans, commercial real estate loans, payday advance loans, and secured business loans. With a P2P loan, borrowers are taking a loan from an average Joe, through the intermediary business of a P2P lender. A personal loan can be obtained in limits as low as $1,000 and many personal loans cannot exceed $35,000. For a small business, loans may be obtained in amounts beginning around $15,000 and reach limits of around $100,000. <br>\n&nbsp;</p>\n<p>Many personal and business loans granted by a P2P lending service provider are taken out for the purpose of refinancing an existing loan in order to pay off credit cards or for home improvement projects. <br>\n&nbsp;</p>\n<p>If you are a borrower with excellent credit already, an interest rate as low as 7% may be obtained from a peer-to-peer lender. The low-interest rate of many P2P loans is the biggest draw for many borrowers. Lending Club, the largest online peer-to-peer lender on the market, holds an average interest rate of about 14%. The national average in the United States is around 13% and Lending Club comes in just above that rate. <br>\n&nbsp;</p>\n<p>For individuals with good credit scores, a P2P loan is arguably the better way to go. However, for those classified as a risky borrower, they will carry a higher risk of defaulting and, therefore, a higher interest rate on their P2P loan. <br>\n&nbsp;</p>\n<p>The rates for high-risk borrowers will likely remain closer to that of a financial institution's loan interest rate scale for a typical credit card. The highest percentage of interest, which any peer-to-peer lending service will designate, is upwards of 36%. However, Lending Club’s highest interest rate goes to, about, 25%. <br>\n&nbsp;</p>\n<p>Typically, peer-to-peer loans will be issued to the borrower with a three- to five-year loan repayment plan. Payments are due monthly and borrowers are made aware of the exact timescale in which they will have their P2P loan paid off. <br>\n&nbsp;</p>\n<p>A term-based loan, which carries a plan for paying it off, is sometimes considered more favorable to a borrower, which is a major benefit of borrowing from a peer-to-peer lender. Knowing that a loan will be repaid within a five-year period, allows individuals and small business owners to plan for the future with confidence. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p><strong>Lenders Want You to Buy Assets</strong> I’m restating this from my article on How to Buy Cars with Bad Credit. &nbsp;This may sound like a long term project, but it’s really the best practice when buying a liability such as a house (unless it’s for investment purposes). &nbsp;I’ve spoken with prospective clients before and asked if they had any assets and quickly discovered that they believed their homes and cars were assets. &nbsp;It is true that cars and homes are assets but they are not the owners’ assets. These are the assets of lenders, auto-repair shops, contractors, and insurance companies. &nbsp;Make no mistake that a car is a big fat liability. &nbsp;Once you know that a lender is more likely to lend to a borrower who is buying an asset, why don’t you consider buying an asset for a balance sheet, and then use that at a later date to buy a liability, such as the house you want. &nbsp;You may have to read this last sentence several times. People don’t normally talk this way, especially people who aren’t rich. &nbsp;The way people get rich is that they do not use their employment income and personal credit to buy liabilities, they know that this practice keeps you poor. &nbsp;They use a business to acquire assets and credit and tax breaks, and then use that business to buy liabilities. &nbsp;Boy, that sounds like a lot of work just to buy a house right? &nbsp;Well, maybe you’re at a age where it’s time to adopt better habits. &nbsp;It is very possible to establish a new cash flow from a business or even from a property right within a period of about 18 to 60 months. Here are two examples. &nbsp;Research online a popular topic. &nbsp;Write a 60 page book about it with your research, have it edited for about $150 and published through a turn-key self publisher on Lulu or Amazon. &nbsp;You could even have it on the shelves at Barnes n Noble within 6 months. &nbsp;If it has a snappy title and catches one, you could make a few thousand dollars, or maybe a few thousand dollars a months for a few years, maybe more. &nbsp;If it’s really successful, you could franchise it and create a series, such as the books series “for Dummies”. <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>Once you create your cash flow, you can then produce a balance sheet and income statement separately from your personal credit score and use that to obtain financing for many things. &nbsp;You could get financing to expand your balance sheet with a new idea or buy a personal liability, or a liability for the business that you can use personally. At the same time, we know that many of the quality cryptographic currencies are increasing in price against the dollar, especially Bitcoin. &nbsp;It makes sense to save some of your cash into Bitcoin or Litecoin while you’re waiting for that day when you can buy a car on credit with 50% down for example. Another example of assets you can easily buy while building your balance sheet are tax lien certificates. &nbsp;This is an investment in the same industry where you want to buy a house (real estate, same industry). &nbsp;Sometimes people cannot pay their property taxes, for example, in your state. &nbsp;Your state taxation department may sell the resulting tax lien for a discount at auction, giving the buyer the cash flow and right to foreclose unless it’s paid with guaranteed interest and penalties. &nbsp;About half of the states sell tax lien certificates and half sell tax deeds. &nbsp;You can buy these one by one, or entire portfolios at a time. &nbsp;You should understand what’s required in managing this type of asset, but it’s something you can easily do with a little effort, maybe a few hours a week. &nbsp;You can buy a tax lien certificate for $50 or $1,500 that might be worth three times what you paid. &nbsp;You list that as an asset on your balance sheet along with payments you may have received as income from the asset, and abracadabra, you have something to show creditors. &nbsp;This asset is scalable, unlike income from a job, you can only work 168 hours in a week, assuming that would even be legal, it’s not likely. &nbsp;But owning assets such as guaranteed cash flows from real estate tax liens and deeds is how people get rich, but it’s how you can get what you want from credit without being victimized by a score. One more point, when you buy assets to offset the cost of a liability, once the liability is paid, or at least the debt service is paid, and you have asset income paying for the costs of having the liability, you still have the assets, even after you sell the liability. You will still want to improve your credit score, especially to get better insurance rates; unless of course, you have your own risk pool and understand how to organize a company to carry your own car insurance (technically, it’s “financial responsibility” in this case and not “insurance”). <strong>Go Big</strong> If you’re going into long term debt, go big. &nbsp;A house is going to be your liability, probably the biggest liability you will have. &nbsp;If you are going to invest that much money into a liability, why not go big and buy a multi-family complex as a business. &nbsp;You can either live in one of the units, at least for a short time, and use the rental income from the other units (your neighbors) to off-set your liability. &nbsp;If that works, do it again until you have a positive cash flow. &nbsp;This strategy will continue to pay you more over time and you will qualify for lenders who specialize in lending to businesses such as people investing in real estate, known as “non-conforming” lenders. <br>\n&nbsp;</p>\n<p><strong>Crowd Funding for Mortgages</strong> It’s now possible to invest in real estate through crowdfunding platforms or even raise enough money to cover the purchase of a home. <br>\n&nbsp;</p>\n<p>The other crowdfunding flavor on the real estate front features mortgages. Think of the friend who can’t get a Fannie Mae loan and instead opts to go online to get a mortgage to buy their home. <br>\n&nbsp;</p>\n<p>That’s right: Multiple people can invest in a person’s mortgage. And your investment can be spread across multiple mortgages, providing diversity within this investment class. These borrowers may be seeking a crowdfunding solution because they cannot get a traditional loan, a real challenge for many consumers today, even those with decent credit, and one that’s led to the growth of peer-lending sites like Prosper and LendingClub. <br>\n&nbsp;</p>\n<p>Privlo, expected to launch soon, reports that is has already funded $28 million in loans to those who hold non-traditional jobs and therefore have a hard time meeting traditional credit standards. LendInvest, based in the U.K., also offers a peer-to-peer lending network focused on residential and commercial mortgages. <br>\n&nbsp;</p>\n<p>Sure, disintermediation is occurring in many areas thanks to the Internet. The difference, however, is that these platforms aren’t featuring products for sale, but, rather, people’s money and ability to repay. The novelty, coupled with the risk to average investors (think Bernie Madhoff online), really demand protections for consumers. <br>\n&nbsp;</p>\n<p>Real estate, real due diligence <br>\n&nbsp;</p>\n<p>If you’re thinking of venturing into the real estate crowdfunding world, there’s a lot to keep in mind. This is new territory (no pun intended) with lots of unknowns. <br>\n&nbsp;</p>\n<p>Like any kind of crowdfunded project with many small owners, if the firm or platform behind it fails, the investor has a mess to sort out to track his investment. <br>\n&nbsp;</p>\n<p>“There’s so much to know, like who’s the general partner of the properties,” says Deena Katz, CFP, of financial planning firm Evensky Katz and an associate professor of financial planning at Texas Tech. <br>\n&nbsp;</p>\n<p>Just as when you purchase a REIT or any other investment and put your faith with the manager, you’re placing your trust into the vetting process and expertise of the people who select the properties placed onto the platform. Do they have the expertise? What’s their process? How can you believe that what they say is true — from the backgrounds of the leaders to the facts about an investment? And if location really does matter in real-estate investing, that can be tough to gauge online. <br>\n&nbsp;</p>\n<p>Indeed, the average investor may have excess cash to invest, but that doesn’t mean he or she has the sophistication to monitor these properties and understand aspects ranging from the financial statements, default rates, and tax implications to developer compensation models and how to unload the property if needed. <br>\n&nbsp;</p>\n<p>The Internet is transforming investing. For regulators, it’s an opportunity to better protect consumers and ensure true transparency: collect comments and data online that could even speed up the capture of the next Bernie Madhoff. <br>\n&nbsp;</p>\n<p>For investors, it may be a way to further diversify your portfolio. But be sure you do your homework and remember one of Peter Lynch’s golden rules of investing: “You have to know what you own, and why you own it.” <br>\n&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p><strong>Have Confidence</strong> Believe that you can buy a house without using traditional lending. &nbsp;People will sometimes reject you, even to have a conversation if it appears that you want a deal with “creative financing”. &nbsp;Remember, this is a numbers game, there is another deal down the street. &nbsp;Instead of looking at 2 or 6 houses to get the one you want, you might need to look at 20 or 40 deals, but it’s worth the time in my opinion.</p>\n</html>",
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      "body": "![](https://steemitimages.com/DQmVZSBHrSZLv4dsB9rQ7Xdf8T2JUBu2b8db53CGp81GPqi/image.png)\n\nI joined the YMCA so I can follow an exercise program that can be changed frequently.  The facilities are wonderful, as they provide access to nearly every form of exercise and even sports for whatever programs I want.  Being at the gym also allows me to avoid distractions, such as other family members in my home, and of course, the phone, television, people knocking at the door and so forth.\n\nI also enjoy a level of privacy at the gym, even though there are many people there when I exercise, these are usually not my friends and neighbors so I don’t get into conversations with my next door neighbor for example, after he watches me finish a run or walk.  No one but strangers get to see me struggling on the weight machines or treadmill; however, lately I’ve noticed a shocking trend that has morphed into my gym looking like the photograph at the top of this article.\n\nI don’t bring my phone to the gym, I want to exercise, that’s why I come to the gym.  But nearly everyone lately is walking through my favorite gym with a phone in one hand, usually held at a 45 degree angle, and even during exercise.  I’ve even noticed some people fastening a smart phone to an arm or on the waste.  Many people are seen standing motionless in the middle of walkways, while reading and typing on their phones, completely oblivious to the world around them.\n\nI come to the gym for the health benefits of regular and focused exercise.  I have a healthy diet, I never use the microwave, in fact, it’s never even plugged into the wall.  But now when I come to the gym, and everyone is using his cell phone, the Wi-Fi signal generated in the building must be strong enough to provide probably 40 or 60 people at any one time with Wi-Fi access for their phones or other smart devices.\n\nJust like you can cook your food with fire, you can also cook a person.  You can also cook your food with a microwave, and we use the microwave energy in our cell phones. Likewise, you can cook a person with a microwave.  We have to ask what is happening to human tissue while using microwaves to communicate (4G and 5G penetrate human tissue).  I have to ask, when I come to the gym to maintain my health, how much tissue penetrating microwave energy am I being exposed to during my 60 – 90 minute visits?  What is my exposure to the nearly 60 people walking around me and exercising next to me as they hold, read, caress and affix their phones to their bodies?  Is this like we discovered in the seventies about second hand cigarette smoke?\n\nSo if I don’t bring my phone to the gym, am I still being exposed to harmful microwaves because of the many people around me using their phones and the routers in the building?  A recent discovery has proven a causal relationship with men who keep cell phones in their pockets and substantially lower sperm counts, among other adverse biological effects on cells, tissues and organs.  The penetrating EMF radiation from cell phones is now proven to cause embryos from ovulation to behave as if they have already been fertilized because of the penetrating 4G and 5G radiation, making them hardened so they cannot become impregnated, making the woman infertile).  There are too many facts about the adverse consequences of cell phone use, so I’ve included some references that explain greater detail.  Let’s look at the privacy issues.\n\nVoyeurism\n\nI’m sure there would be some problems if I brought a video camera into the gym locker room. But if I bring my phone into the locker room, even stare at it while I’m walking into and around the looker room, and even though there are two video cameras placed to view in a 360 radius, no one even blinks.  I think this is because people mistakenly believe that the only time your phone’s video camera (and microphone) is recording is when you deliberately set it to record or at least view.  This is incorrect.  Your mobile phone’s video cameras and microphone are always on and they are always collecting the streaming images from wherever you go.  I don’t want to be video recorded or even viewed through anyone’s video camera, especially while I’m in the locker room.\n\nBut what if your phone’s cameras and microphone were not recording, but you had some malware or spyware that someone was using to access these features without your knowledge?  You never really know, so it is reasonable to assume that your phone’s camera and microphone are on and streaming and recording at all times.  If someone must bring his phone into the locker room, which I see no reason why, but let’s just say someone had a psychological addiction to carrying his phone everywhere (kind of like Charlie Brown’s friend Linus and his blue blanket), the phone should be off or at least concealed so that it cannot record any images or sounds.  Otherwise, we have to make the assumption that the person who does not take these steps is involved in voyeurism.\n\nReferences:\n\n\"The truth about mobile phone and wireless radiation\" – Dr. Devra Davis https://youtu.be/BwyDCHf5iCY \nhttp://www.smh.com.au/digital-life/digital-life-news/why-i-cover-my-iphone-and-laptop-camera-and-why-you-should-too-20131220-2zp59.html \nhttps://www.procamera-app.com/en/blog/smartphone-camera-voyeurism-is-alive-and-clicking-shhhh/ \nhttps://www.pcworld.com/article/117035/article.html",
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      "body": "![](https://steemitimages.com/DQmVZSBHrSZLv4dsB9rQ7Xdf8T2JUBu2b8db53CGp81GPqi/image.png)\n\nI joined the YMCA so I can follow an exercise program that can be changed frequently.  The facilities are wonderful, as they provide access to nearly every form of exercise and even sports for whatever programs I want.  Being at the gym also allows me to avoid distractions, such as other family members in my home, and of course, the phone, television, people knocking at the door and so forth.\n\nI also enjoy a level of privacy at the gym, even though there are many people there when I exercise, these are usually not my friends and neighbors so I don’t get into conversations with my next door neighbor for example, after he watches me finish a run or walk.  No one but strangers get to see me struggling on the weight machines or treadmill; however, lately I’ve noticed a shocking trend that has morphed into my gym looking like the photograph at the top of this article.\n\nI don’t bring my phone to the gym, I want to exercise, that’s why I come to the gym.  But nearly everyone lately is walking through my favorite gym with a phone in one hand, usually held at a 45 degree angle, and even during exercise.  I’ve even noticed some people fastening a smart phone to an arm or on the waste.  Many people are seen standing motionless in the middle of walkways, while reading and typing on their phones, completely oblivious to the world around them.\n\nI come to the gym for the health benefits of regular and focused exercise.  I have a healthy diet, I never use the microwave, in fact, it’s never even plugged into the wall.  But now when I come to the gym, and everyone is using his cell phone, the Wi-Fi signal generated in the building must be strong enough to provide probably 40 or 60 people at any one time with Wi-Fi access for their phones or other smart devices.\n\nJust like you can cook your food with fire, you can also cook a person.  You can also cook your food with a microwave, and we use the microwave energy in our cell phones. Likewise, you can cook a person with a microwave.  We have to ask what is happening to human tissue while using microwaves to communicate (4G and 5G penetrate human tissue).  I have to ask, when I come to the gym to maintain my health, how much tissue penetrating microwave energy am I being exposed to during my 60 – 90 minute visits?  What is my exposure to the nearly 60 people walking around me and exercising next to me as they hold, read, caress and affix their phones to their bodies?  Is this like we discovered in the seventies about second hand cigarette smoke?\n\nSo if I don’t bring my phone to the gym, am I still being exposed to harmful microwaves because of the many people around me using their phones and the routers in the building?  A recent discovery has proven a causal relationship with men who keep cell phones in their pockets and substantially lower sperm counts, among other adverse biological effects on cells, tissues and organs.  The penetrating EMF radiation from cell phones is now proven to cause embryos from ovulation to behave as if they have already been fertilized because of the penetrating 4G and 5G radiation, making them hardened so they cannot become impregnated, making the woman infertile).  There are too many facts about the adverse consequences of cell phone use, so I’ve included some references that explain greater detail.  Let’s look at the privacy issues.\n\nVoyeurism\n\nI’m sure there would be some problems if I brought a video camera into the gym locker room. But if I bring my phone into the locker room, even stare at it while I’m walking into and around the looker room, and even though there are two video cameras placed to view in a 360 radius, no one even blinks.  I think this is because people mistakenly believe that the only time your phone’s video camera (and microphone) is recording is when you deliberately set it to record or at least view.  This is incorrect.  Your mobile phone’s video cameras and microphone are always on and they are always collecting the streaming images from wherever you go.  I don’t want to be video recorded or even viewed through anyone’s video camera, especially while I’m in the locker room.\n\nBut what if your phone’s cameras and microphone were not recording, but you had some malware or spyware that someone was using to access these features without your knowledge?  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      "body": "![](https://steemitimages.com/DQmVZSBHrSZLv4dsB9rQ7Xdf8T2JUBu2b8db53CGp81GPqi/image.png)\nI joined the YMCA so I can follow an exercise program that can be changed frequently.  The facilities are wonderful, as they provide access to nearly every form of exercise and even sports for whatever programs I want.  Being at the gym also allows me to avoid distractions, such as other family members in my home, and of course, the phone, television, people knocking at the door and so forth.\n\nI also enjoy a level of privacy at the gym, even though there are many people there when I exercise, these are usually not my friends and neighbors so I don’t get into conversations with my next door neighbor for example, after he watches me finish a run or walk.  No one but strangers get to see me struggling on the weight machines or treadmill; however, lately I’ve noticed a shocking trend that has morphed into my gym looking like the photograph at the top of this article.\n\nI don’t bring my phone to the gym, I want to exercise, that’s why I come to the gym.  But nearly everyone lately is walking through my favorite gym with a phone in one hand, usually held at a 45 degree angle, and even during exercise.  I’ve even noticed some people fastening a smart phone to an arm or on the waste.  Many people are seen standing motionless in the middle of walkways, while reading and typing on their phones, completely oblivious to the world around them.\n\nI come to the gym for the health benefits of regular and focused exercise.  I have a healthy diet, I never use the microwave, in fact, it’s never even plugged into the wall.  But now when I come to the gym, and everyone is using his cell phone, the Wi-Fi signal generated in the building must be strong enough to provide probably 40 or 60 people at any one time with Wi-Fi access for their phones or other smart devices.\n\nJust like you can cook your food with fire, you can also cook a person.  You can also cook your food with a microwave, and we use the microwave energy in our cell phones. Likewise, you can cook a person with a microwave.  We have to ask what is happening to human tissue while using microwaves to communicate (4G and 5G penetrate human tissue).  I have to ask, when I come to the gym to maintain my health, how much tissue penetrating microwave energy am I being exposed to during my 60 – 90 minute visits?  What is my exposure to the nearly 60 people walking around me and exercising next to me as they hold, read, caress and affix their phones to their bodies?  Is this like we discovered in the seventies about second hand cigarette smoke?\n\nSo if I don’t bring my phone to the gym, am I still being exposed to harmful microwaves because of the many people around me using their phones and the routers in the building?  A recent discovery has proven a causal relationship with men who keep cell phones in their pockets and substantially lower sperm counts, among other adverse biological effects on cells, tissues and organs.  The penetrating EMF radiation from cell phones is now proven to cause embryos from ovulation to behave as if they have already been fertilized because of the penetrating 4G and 5G radiation, making them hardened so they cannot become impregnated, making the woman infertile).  There are too many facts about the adverse consequences of cell phone use, so I’ve included some references that explain greater detail.  Let’s look at the privacy issues.\n\nVoyeurism\n\nI’m sure there would be some problems if I brought a video camera into the gym locker room. But if I bring my phone into the locker room, even stare at it while I’m walking into and around the looker room, and even though there are two video cameras placed to view in a 360 radius, no one even blinks.  I think this is because people mistakenly believe that the only time your phone’s video camera (and microphone) is recording is when you deliberately set it to record or at least view.  This is incorrect.  Your mobile phone’s video cameras and microphone are always on and they are always collecting the streaming images from wherever you go.  I don’t want to be video recorded or even viewed through anyone’s video camera, especially while I’m in the locker room.\n\nBut what if your phone’s cameras and microphone were not recording, but you had some malware or spyware that someone was using to access these features without your knowledge?  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      "body": "![](https://steemitimages.com/DQmVZSBHrSZLv4dsB9rQ7Xdf8T2JUBu2b8db53CGp81GPqi/image.png)\nI joined the YMCA so I can follow an exercise program that can be changed frequently.  The facilities are wonderful, as they provide access to nearly every form of exercise and even sports for whatever programs I want.  Being at the gym also allows me to avoid distractions, such as other family members in my home, and of course, the phone, television, people knocking at the door and so forth.\n\nI also enjoy a level of privacy at the gym, even though there are many people there when I exercise, these are usually not my friends and neighbors so I don’t get into conversations with my next door neighbor for example, after he watches me finish a run or walk.  No one but strangers get to see me struggling on the weight machines or treadmill; however, lately I’ve noticed a shocking trend that has morphed into my gym looking like the photograph at the top of this article.\n\nI don’t bring my phone to the gym, I want to exercise, that’s why I come to the gym.  But nearly everyone lately is walking through my favorite gym with a phone in one hand, usually held at a 45 degree angle, and even during exercise.  I’ve even noticed some people fastening a smart phone to an arm or on the waste.  Many people are seen standing motionless in the middle of walkways, while reading and typing on their phones, completely oblivious to the world around them.\n\nI come to the gym for the health benefits of regular and focused exercise.  I have a healthy diet, I never use the microwave, in fact, it’s never even plugged into the wall.  But now when I come to the gym, and everyone is using his cell phone, the Wi-Fi signal generated in the building must be strong enough to provide probably 40 or 60 people at any one time with Wi-Fi access for their phones or other smart devices.\n\nJust like you can cook your food with fire, you can also cook a person.  You can also cook your food with a microwave, and we use the microwave energy in our cell phones. Likewise, you can cook a person with a microwave.  We have to ask what is happening to human tissue while using microwaves to communicate (4G and 5G penetrate human tissue).  I have to ask, when I come to the gym to maintain my health, how much tissue penetrating microwave energy am I being exposed to during my 60 – 90 minute visits?  What is my exposure to the nearly 60 people walking around me and exercising next to me as they hold, read, caress and affix their phones to their bodies?  Is this like we discovered in the seventies about second hand cigarette smoke?\n\nSo if I don’t bring my phone to the gym, am I still being exposed to harmful microwaves because of the many people around me using their phones and the routers in the building?  A recent discovery has proven a causal relationship with men who keep cell phones in their pockets and substantially lower sperm counts, among other adverse biological effects on cells, tissues and organs.  The penetrating EMF radiation from cell phones is now proven to cause embryos from ovulation to behave as if they have already been fertilized because of the penetrating 4G and 5G radiation, making them hardened so they cannot become impregnated, making the woman infertile).  There are too many facts about the adverse consequences of cell phone use, so I’ve included some references that explain greater detail.  Let’s look at the privacy issues.\n\nVoyeurism\n\nI’m sure there would be some problems if I brought a video camera into the gym locker room. But if I bring my phone into the locker room, even stare at it while I’m walking into and around the looker room, and even though there are two video cameras placed to view in a 360 radius, no one even blinks.  I think this is because people mistakenly believe that the only time your phone’s video camera (and microphone) is recording is when you deliberately set it to record or at least view.  This is incorrect.  Your mobile phone’s video cameras and microphone are always on and they are always collecting the streaming images from wherever you go.  I don’t want to be video recorded or even viewed through anyone’s video camera, especially while I’m in the locker room.\n\nBut what if your phone’s cameras and microphone were not recording, but you had some malware or spyware that someone was using to access these features without your knowledge?  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      "body": "I joined the YMCA so I can follow an exercise program that can be changed frequently.  The facilities are wonderful, as they provide access to nearly every form of exercise and even sports for whatever programs I want.  Being at the gym also allows me to avoid distractions, such as other family members in my home, and of course, the phone, television, people knocking at the door and so forth.\n\n\tI also enjoy a level of privacy at the gym, even though there are many people there when I exercise, these are usually not my friends and neighbors so I don’t get into conversations with my next door neighbor for example, after he watches me finish a run or walk.  No one but strangers get to see me struggling on the weight machines or treadmill; however, lately I’ve noticed a shocking trend that has morphed into my gym looking like the photograph at the top of this article.\n\n\tI don’t bring my phone to the gym, I want to exercise, that’s why I come to the gym.  But nearly everyone lately is walking through my favorite gym with a phone in one hand, usually held at a 45 degree angle, and even during exercise.  I’ve even noticed some people fastening a smart phone to an arm or on the waste.  Many people are seen standing motionless in the middle of walkways, while reading and typing on their phones, completely oblivious to the world around them.\n\n\tI come to the gym for the health benefits of regular and focused exercise.  I have a healthy diet, I never use the microwave, in fact, it’s never even plugged into the wall.  But now when I come to the gym, and everyone is using his cell phone, the Wi-Fi signal generated in the building must be strong enough to provide probably 40 or 60 people at any one time with Wi-Fi access for their phones or other smart devices.\n\n\tJust like you can cook your food with fire, you can also cook a person.  You can also cook your food with a microwave, and we use the microwave energy in our cell phones. Likewise, you can cook a person with a microwave.  We have to ask what is happening to human tissue while using microwaves to communicate (4G and 5G penetrate human tissue).  I have to ask, when I come to the gym to maintain my health, how much tissue penetrating microwave energy am I being exposed to during my 60 – 90 minute visits?  What is my exposure to the nearly 60 people walking around me and exercising next to me as they hold, read, caress and affix their phones to their bodies?  Is this like we discovered in the seventies about second hand cigarette smoke?\n\n\tSo if I don’t bring my phone to the gym, am I still being exposed to harmful microwaves because of the many people around me using their phones and the routers in the building?  A recent discovery has proven a causal relationship with men who keep cell phones in their pockets and substantially lower sperm counts, among other adverse biological effects on cells, tissues and organs.  The penetrating EMF radiation from cell phones is now proven to cause embryos from ovulation to behave as if they have already been fertilized because of the penetrating 4G and 5G radiation, making them hardened so they cannot become impregnated, making the woman infertile).  There are too many facts about the adverse consequences of cell phone use, so I’ve included some references that explain greater detail.  Let’s look at the privacy issues.\n\nVoyeurism\n\n\tI’m sure there would be some problems if I brought a video camera into the gym locker room. But if I bring my phone into the locker room, even stare at it while I’m walking into and around the looker room, and even though there are two video cameras placed to view in a 360 radius, no one even blinks.  I think this is because people mistakenly believe that the only time your phone’s video camera (and microphone) is recording is when you deliberately set it to record or at least view.  This is incorrect.  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      "body": "Your credit score is not the only way to prove your credit worthiness.  It does do a good job of indicating what type of credit customer you might be; however, today the credit system is being used to exploit people and unfairly exclude people from society.  It’s also a tool of some species of extortion which has yet to be made into a criminal statute.  In any case, there are certain steps you want to consider when buying a car with a low credit score, or no credit.\n\nA co-signer is an option of course, but what will happen is that the lender will underwrite the loan only under the co-signer's credit and title the car in his name, and you won’t get the credit. I’m writing this article with the objective of showing you how to buy a car without a co-signer when your credit score is low or you don’t have one.\n\nIf you’ve never had credit before, don’t start with buying a car.  Get a credit card first, even if it’s secured or for only $100, or rent an apartment, and be sure that the creditor reports to at least one or two of the credit bureaus.  After a few months, you will have a low credit score.\n\nSome of you have a low score because of non-payments, defaults, judgments, liens and other derogatory items.  As abusive as this system is, I still believe it’s an effective way to “apply the brakes” to someone’s undisciplined use of credit.  Chances are that you have a low score because you took on too much debt and you probably don’t know how to use money.  This may not be true for someone who is the victim of identity theft, but generally speaking, you have to look in the mirror first.\n\nFirst, it’s easier to buy a used car on credit than a new one, so this is the time to be very practical and buy a car that suits your needs, and is not simply to try and impress your friends.  Second, it’s easier to buy a used car on credit with a 50% down payment than a 10% down payment, so try and factor something close to this into your plan.  Third, it’s easier to buy a car when you can prove that you have regular income (a job, pension or annuity income for example).  The longer you’ve had the job, the better.\n\nIf you have these things, then you need to make a record of your income starting with your pay-stubs or W-2, deposits in a checking and savings account, and a record of saving a portion of that money along with a record of paying your other bills on time.  I would go as far as to have a bookkeeper take these records and create a personal balance sheet and income statement summarizing the cash flow on one page.  This demonstrates intelligence and discipline.  You can show your accounting summary to the dealer and if he asks, you can prove anything on that statement with your records.  Aim for a short-term loan, such as 18 months, maybe 36, I prefer no more than a year however.\n\nMake Car Payments to Yourself\n\nThe moment you decide to buy a car, start setting aside some of your cash flow for that purpose.  If you are going to buy the car on credit, decide what your monthly budget will be for car payments, insurance, fuel and maintenance.  Begin setting aside this much money each month, or a portion of it.  Let’s say you want a car where the total monthly costs are $1,000, but you can only afford $500 right now.  That just means you’ll have to set aside the $500 for twice the number of months that you will have the debt to pay and you’re not going to do it under any contract, it’s just your own discipline.\n\nLet’s also be reasonable, for most of us, you won’t want to look for an $80,000 brand name, new luxury car.  You will want a “pre-owned” car (with a certifiable maintenance, repair and damage history, may include “car fax” report for example along with a mechanic’s certification) that is a quality brand, not just any car.  You will still pay more for a quality brand, but it will last longer and have less maintenance costs and chances are that the previous owner took care of it and followed the maintenance schedule.  It’s well known in Europe that the best cars include, BMW, Honda, Mercedes, Audi and Toyota with 250,000 miles on them.  There are other brands and I’m not saying these in order to promote them. I’m only speaking from personal experience.\n\nI bought my mother-in-law a car so she could have some autonomy while she’s in the states.  It was a 2005 Toyota Corolla that I bought in 2009 for about $7,500.  Eight years later, she’s still driving it every day and has had virtually no major problems with it.  I didn’t buy on credit however, but this might also be true for you, if you set aside enough money quickly enough.  I’m not saying that your solution to bad credit is to pay cash for everything, but sometimes it does make sense.  Why buy a car for $25,000 when I can get the same deal for $7,500?  However, if you want to buy a car for $25,000, make your plan and do it.\n\nNon-profit Lenders\n\nAs an alternative, look for a nonprofit lender that offers personal loans.  Capital Good Fund, for instance, offers car loans from $8,000 to $20,000 for residents of Florida and Rhode Island only for the purchase or refinance of a new or used car; while this organization finances vehicles sold through most dealers, it also encourages borrowers to work with dealers like Hertz, Enterprise Car Sales, or others that have high levels of customer satisfaction.  In addition, it offers loans up to $2,000 for a variety of purposes, including the purchase or repair of a vehicle or paying off high-interest debt, to residents of Florida, Rhode Island, and Delaware.  It’s an example of a United States Treasury certified Community Development Financial Institution, or CDFI.  Look up the nearest CDFI in your area to see if it can help you.\n\nThere is a program that helps both low and moderate income individuals solve their transportation issues by providing them with low interest rate auto loans. Ways to Work is a non-profit organization that can help solve employment or job training transportation needs. The agency provides small dollar amount, low interest rate, short-term loans to working families that need a car or that need a repair done.\n\nIndividuals of all backgrounds and circumstances can apply.  The program may even be able to assist those applicants that have either no or poor credit histories, or someone with a job that is looking to re-enter the workforce.  Funds from Way to Work can also be used to pay for a number of transportation expenses, including car insurance, the purchase of a new or used automobile, or repairs.\n\nThe typical loan amount provided is around $4,000, but the exact amounts will vary.  It provides an alternative to families so that they do not need to use so called predatory lenders, payday companies, or other high interest rate options.  The Ways to Work program and organization is funded by the federal and state governments, as well as private foundations.\n\nAuto Loan Brokers\n\nAn auto loan broker can be the key to getting the best rates and terms on a car loan. They are generally independent businesses that have developed relationships with a wide variety of lenders. These relationships give the broker an advantage in negotiating that most buyers would never have.\n\nA car loan broker has information on interest rates and qualification guidelines from multiple banks and car loan lenders. With this information, the broker has the tools to shop for the best rates and terms for your loan. Typically, car dealerships have an employee, commonly known as the financing and insurance (F&I) manager who does work that is similar to a loan broker.\n\nBuyers with good or excellent credit often never consult with auto loan brokers as their bank is typically willing to give them a great deal without any haggling.  However, those with bad credit find that an auto loan broker may be just what they need.  Many lenders will try to take advantage of those with damaged credit due to a bankruptcy or a few late payments by offering exceptionally high interest rates on car loans.  You never have to accept unfair terms, just continue shopping and loan brokers can certainly help improve your odds of finding a really good deal.\n\nPeer to Peer Lending\n\nThis is not a new concept.  For many years people who didn’t have the cash to buy a car relied on friends and family for a short term loan to buy a car.  This was before the banking system monopolized this practice, turned it in a multi-billion dollar industry and exploited everyone.\n\nThanks to cryptographic currency and the Internet, people are now facilitated in lending and borrowing while escaping the evil clutches of the banking system.  This new version of lending is known as “peer-to-peer” lending.  Please are using hard cash instead of creating money out of nothing and then pretending you were lent something.\n\nI want to first mention that there are some of the old style banking dinosaurs that have slithered their way into the new “peer-to-peer” (P2P) lending business with the cryptos; however, you should know that they are the same animal as before.  These are not peers of borrowers as they are the same financial institutions that gave rise to cryptos and the need to escape them.  You may see some of them, such as Lending Club and Prosper.  These are not peers of people, the are sophisticated broker-dealers, so just be aware of who you are dealing with and the terms of the contract.  If the loan contract looks like it was written by 75 attorneys over the last 100 years, run away, far and fast.  Look for a true peer.\n\nA true peer-to-peer loan would be someone who put in some cash through an escrow type service for the purpose of lending you hard cash in exchange for holding your car title as collateral until it’s paid.  The loan will be short term, 18 months, but it could be 60.  You will probably be required to make a large down payment, such as 20% - 50%. The lender could be a “guy” or several people, or it could be a group of people that simply pooled their money into a secure system of lending for people like yourself.\n\nThe general idea of a peer-to-peer loan is to match an individual lender with an individual borrower. P2P lending sites are where borrowers go to find a lender. The application process is actually pretty simple.  Visit the site and fill out the online application.  If you qualify, then you will be shown a list of potential lenders along with the terms and interest rates for taking out a loan. If you like what you see, then you finalize the loan and get your money.  It’s not always that simple as you could imagine.\n\nMuch of the same rules apply.  If you default on the loan, your car can and will be repossessed.  The lender will probably require that you deliver the car title to hold until the loan is repaid.  I’m sure you can find some that won’t do this, but I’ll be your interest rates would be unreasonable.  And the facilitator of these lenders in finding borrowers will be able to report items to your credit file.  It only requires an annual subscription to a credit reporting agency to do this, a few hundred dollars a year.  This of course is not the solution for buying a car on bad credit, it just gives you more options if your credit isn’t perfect and you lack the ability to find a deal on your own.\n\nLenders Want You to Buy Assets\n\nThis may sound like a long term project, but it’s really the best practice when buying a liability such as a car.  I’ve spoken with prospective clients before and asked if they had any assets and quickly discovered that they believed their homes and cars were assets.  It is true that cars and homes are assets but they are not the owners’ assets. These are the assets of lenders, auto-repair shops, contractors, and insurance companies.  Make no mistake that a car is a big fat liability.  Once you know that a lender is more likely to lend to a borrower who is buying an asset, why don’t you consider buying an asset for a balance sheet, and then use that at a later date to buy a liability, such as a car.  You may have to read this last sentence several times, go ahead, I’ll wait.\n\nPeople don’t normally talk this way, especially people who aren’t rich.  The way people get rich is that they do not use their employment income and personal credit to buy liabilities, they know that this practice keeps you poor.  They use a business to acquire assets and credit and tax breaks, and then use that business to buy liabilities.  Boy, that sounds like a lot of work just to buy a car right?  Well, maybe you’re at a age where it’s time to adopt better habits.  It is very possible to establish a new cash flow from a business or even from a property right within a period of about 18 to 60 months.\n\nHere are two examples.  Research online a popular topic.  Write a 60 page book about it with your research, have it edited for about $150 and published through a turn-key self publisher on Amazon.  You could even have it on the shelves at Barnes n Noble within 6 months.  If it has a snappy title and catches one, you could make a few thousand dollars, or maybe a few thousand dollars a months for a few years, maybe more.  If it’s really successful, you could franchise it and create a series, such as the books series “for Dummies”.\n\nOnce you create your cash flow, you can then produce a balance sheet and income statement separately from your personal credit score and use that to obtain financing for many things.  You could get financing to expand your balance sheet with a new idea or buy a personal liability, or a liability for the business that you can use personally.\n\nMy daughter is looking at buying her first car and she will need to find her own cash flow, not necessarily a job.  She will probably be using Bitcoin and its rate of appreciation against the dollar to give herself a head-start, and she will certainly be using the principles I’ve explained here.  I could easily lend her the money, but she needs to gain the learning experience from doing it herself.\n\nJudging the current status of the used car industry, prices are on a downward spiral as the dealers are flooded with too much inventory and most people don’t know how to use credit to buy, so they are excluded simply because they lack knowledge.  This will help those who understand and those who follow the principles I’ve explained here.  At the same time, we know that many of the quality cryptographic currencies are increasing in value against the dollar, especially Bitcoin.  It makes sense to save some of your cash into Bitcoin while you’re waiting for that day when you can buy a car on credit with 50% down for example.\n\nAnother example of assets you can easily buy while building your balance sheet are tax lien certificates.  Sometimes people cannot pay their property taxes, for example, in your state.  Your state taxation department may sell the resulting tax lien for a discount at auction, giving the buyer the cash flow and right to foreclose unless it’s paid with guaranteed interest and penalties.  About half of the states sell tax lien certificates and half sell tax deeds.  You can buy these one by one, or entire portfolios at a time.  You should understand what’s required in managing this type of asset, but it’s something you can easily do with a little effort, maybe a few hours a week.  You can buy a tax lien certificate for $50 or $1,500 that might be worth three times what you paid.  You list that as an asset on your balance sheet along with payments you may have received as income from the asset, and abracadabra, you have something to show creditors.  This asset is scalable, unlike income from a job, you can only work 168 hours in a week, assuming that would even be legal, it’s not likely.  But owning assets such as guaranteed cash flows from real estate tax liens and deeds is how people get rich, but it’s how you can get what you want from credit without being victimized by a score.\n\nOne more point, when you buy assets to offset the cost of a liability, once the liability is paid, or at least the debt service is paid, and you have asset income paying for the costs of having the liability, you still have the assets, even after you sell the liability.\n\nYou will still want to improve your credit score, especially to get better insurance rates; unless of course, you have your own risk pool and understand how to organize a company to carry your own car insurance (technically, it’s “financial responsibility” in this case and not “insurance”).\n\nHave Confidence\n\nAvoid taking just any deal on a car simply because you believe that your low credit score makes you “less worthy”.  Get into a sales contract that makes sense and is close to your plan.  If you are not able to get the deal that is close to your plan, and you’ve reached the end of what you can negotiate, continue shopping.  Don’t be eager to buy a car.",
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      "permlink": "how-to-ghost-your-smart-phone-and-desktop-computer",
      "title": "HOW TO “GHOST” YOUR SMART PHONE & DESKTOP COMPUTER",
      "body": "@@ -1781,16 +1781,150 @@\n blocked.\n+  Isn't it ironic that we are using the Google Play Store to down encryption software to block Google (the CIA) from its surveillance.\n %0A%0APhone \n@@ -2281,16 +2281,20 @@\n hone is \n+the \n name of \n",
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      "body": "Exactly.  The point of using machines is to Decrease our labor and Increase production.",
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      "body": "@@ -1,8 +1,17 @@\n+Upvoted. \n The best\n",
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      "body": "The best source of income is a job.  It is immoral to demand payment without first producing value.",
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      "body": "Most people in favor of the UBI seem to plan on being on the Receiving end don't they? haha",
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      "body": "That is a sadly limiting and close-minded perspective to take. We, as free-thinking, collaborative humans, can come up with a \"correct\" way to do just about anything. Any limitation other than where it becomes violation of another free being is purely illusory.",
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      "body": "Bring the robots, I will own them, I will own their energy and I will own their intellectual property rights, and I will enjoy my time at home with my family as we grow 80% of our food, produce our own clean water and energy and use my dividends from the robot labor force to travel the world and continue my education.",
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      "body": "There is no comparison and you are very uninformed.  There is \"no better\" way to implement socialism or UBI.",
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      "body": "There is no correct way to implement UBI, no matter what scheme you contrive, it will not work.  People have to create ways to use the land and our resources and enrich themselves.",
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      "title": "HOW TO “GHOST” YOUR SMART PHONE & DESKTOP COMPUTER",
      "body": "@@ -7051,8 +7051,396 @@\n privacy.\n+  And, protect yourself from the 4G and 5G radiation, remember %22giga%22 is billions of cycles of radiation per second, it penetrates human tissue and adversely effects it.  You will want to carry your phone in an EMF shield.  I also store it at night in a %22Faraday cage%22,  shoe box, double-lined with aluminum foil, stored in the microwave, the only thing I use my microwave for these days.\n",
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      "body": "thank you, glad you can use it",
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      "body": "this is super useful. I did not know something was available for phone like tor.\nThanks a lot. Upvote + follow button clicked ;)",
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      "title": "HOW TO “GHOST” YOUR SMART PHONE & DESKTOP COMPUTER",
      "body": "@@ -557,16 +557,111 @@\n  to you.\n+  Once you have your Android, you just need a little understanding and a few free applications.\n %0A%0AOrfox \n",
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      "body": "@@ -727,12 +727,10 @@\n ake \n+i\n t\n-hem\n  com\n@@ -6675,17 +6675,20 @@\n inds.com\n-,\n+ and\n  steemit\n@@ -6696,23 +6696,8 @@\n com \n-and bitube.com \n for \n",
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      "title": "HOW TO “GHOST” YOUR SMART PHONE & DESKTOP COMPUTER",
      "body": "Aren’t you just really tired of being under surveillance and using tools of convenience and believing that you have no choice but to give up your privacy so that the government, deep state and other businesses can profit from it and use it for other nefarious purposes?\n\nAnonymous Web Browsing\n\nYou probably won’t want to hear this, but if you are serious about privacy, you should welcome the change.  If you are not already using an Android, get yourself an Android phone now.  This hardware works best with the encryption software I’m about to introduce to you.\n\nOrfox is built from the same source code as Tor Browser (which is built upon Firefox), but with a few minor modifications to the privacy enhancing features to make them compatible with Firefox for Android and the Android operating system.  Orfox requires the Orbot application for Android to connect to the Tor network, so you’ll want to install Orbot first, and then Orfox.  You can find the free downloads with the www.qwant.com or www.duckduckgo.com search engines, and avoid the CIA’s “google” surveillance.\n\nTOR is an acronym for “The Onion Router”, a metaphor describing how your Internet connection is routed through many layers or servers to hide its I.P. (Internet Protocol) address.  This is much like hiding your phone number by entering *67 before you call someone.\n\nThe TOR software protects you by bouncing your communications around a distributed network of relays run by volunteers all around the world:  it prevents somebody watching your Internet connection from learning what sites you visit, it prevents the sites you visit from learning your physical location, and it lets you access sites which are blocked.\n\nPhone Calls\n\nThis covers web browsing, but you will probably want to make anonymous, encrypted phone calls as well.\n\nYou will want to use open source software because it is always being developed by the smartest people on the planet and they do it because they have a passion for it, and not because it’s just a paycheck such as a corporate employee.  Linphone is name of the open source application.  It is subject to peer review by anyone, at anytime.  Ghost Call is the service that provides this at no cost to its users, that’s right, the best privacy software is free!  Ghost Call does the call setup and manages your presence; of course TOR exits support Transport Layer Security (TLS) and Session Initiation Protocol (SIP), so use TOR if you don't want your public I.P. address exposed to Ghost Call.  In other words, download Orbot and Orfox first and use that software to visit the Ghost Call website at https://ghostcall.io/  You will get your very own “Ghost Call” phone number as well.\n\nYour calls are only encrypted with other Ghost Call users and you have the choice on each call to authenticate (verify that your call is secured against any unknown third party).  Now that you have “ghosted” your smart phone, why not do the same to your desktop?\n\nDesktop\n\nEarlier in 2017, Microsoft’s top lawyer challenged the NSA over its virus known as “WannaCry”, saying that problem was the agency’s creation because it built and stockpiled such malware for its own use. Now WikiLeaks has revealed more government-created malware and this one is a nasty piece of work.\n\nCodenamed “Athena,” the spyware targets all version of Windows from Windows XP to Windows 10, and was released in August 2015.  It was created in part by a private New Hampshire-based cyber security firm called Siege Technologies.\n\nAccording to WikiLeaks, Athena allows whoever controls it to completely take over a computer, steal data and send it to CIA servers, delete data and upload even more malicious software.\n\n“Once installed, the malware provides a beaconing capability (including configuration and task handling), the memory loading/unloading of malicious payloads for specific tasks and the delivery and retrieval of files to/from a specified directory on the target system. It allows the operator to configure settings during runtime (while the implant is on target) to customize it to an operation,” WikiLeaks said.\n\nAfter reading this, I realized that Windows had zero encryption and in fact, was a surveillance tool in itself.  This is when I decided to escape from Windows and Microsoft altogether.  I had already stopped using the Microsoft Office Suite and replaced it with Open Office, and now with the latest version, LibreOffice. I knew someday I would escape Windows, but I had been procrastinating until I read this news.\n\nAfter some careful research of many really good options, I decided that the best option was Ubuntu, an end-user friendly version of Linux.  I also decided I would add some speed into the mix and replace my hard drive with a solid state drive (SSD).  Installing a different hard drive is optional, but if you replace your hard drive with a solid state drive (SSD), you will gain about 30% more speed in accessing files and programs from the hard drive.\n\nWhile it is an option at the time you choose your password during installation, using Ubuntu means there is no need to encrypt the home folder.  You already have FullDiskEncryption (FDE), encrypting the home folder will just needlessly slow down your computer.  You will notice a substantial decline in performance by using this feature, especially if you have an older processor without an AES-NI (pre-Sandy Bridge).\n\nUbuntu, as of September 2017, uses AES-256 (when XTS mode is in use, the key size might be 512-bit, and later split into two 256-bit keys).  But depending on your kernel build, sector sizes, encrypted volume size, advanced modes of operation supported by Ubuntu (ESSIV, XTS, and LRW) can vary, and with it the actual security of such full-disk encryption.\n\nYou can trust the FDE will protect your computer, provided you have a good password and follow a protocol to change and protect it on a regular basis.  If not, then why bother with FDE?  Just encrypt the home folder or don’t encrypt at all.  The encryption done by Ubuntu (aes-xts-plain64) is ridiculously secure; it can withstand all threats up to the level of state agencies, as long as the password is strong.  There is no benefit to separately encrypting the home folder for security.  If your FDE password is somehow compromised (unlikely), then the same could be done to your home folder.  If someone is torturing you to get your FDE password, believe that he will also torture you again to get your home folder.\n\nUbuntu is installed with Firefox but I would suggest using the Brave add-on or Slimjet for additional browsing security.  I also switched from using Skype to qTox and from Youtube and Facebook to www.gab.ai, minds.com, steemit.com and bitube.com for blogging and social networking.\n\nThe only other recommendation I could make to you is to subscribe to a virtual private network (VPN).  It’s not really essential, but it is inexpensive (about $5 a month) and does add just another layer of security and privacy.",
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      "body": "Congratulations @singletonpress! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@singletonpress/birthday1.png)](http://steemitboard.com/@singletonpress)  Happy Birthday - 1 Year on Steemit Happy Birthday - 1 Year on Steemit\nClick on the badge to view your own Board of Honor on SteemitBoard.\n\nFor more information about this award, click [here](https://steemit.com/steemitboard/@steemitboard/steemitboard-update-8-happy-birthday)\n> By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "body": "Good information thanks for you time",
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      "body": "What is a settlement trust and why would I use that instead of my personal banking services? A trust involves a trustee who owns the property, but the individual who acts as the trustee is not the owner, he is the owner “as trustee”. This only works with a beneficiary, so the trust is formed when someone (grantor) conveys (gives) property to the trust. The grantor can also be the trustee and the law views each as different individuals with different rights and obligations. It is the fact that this arrangement is created for the benefit of the beneficiary that divests the grantor from his rights (and liabilities).\n\nIf I have $1,000 and I owe money to someone. He can sue me for the $1,000 and get the court to issue a writ and take the money to pay the debt. This is because I owed the money and I had all the rights over the money to use for my own personal interests. The settlement trust separates these ownership rights so that if someone were to sue, he might get the writ from the court, but because the cash is now held in trust, the trust would have no obligation to pay the money and the person who sued would not be able to get the money, not even the court can issue a writ to get the money from my trust to pay my personal debt.\n\nIn today’s banking system, the entire system is designed to help the banking system collect debts. If you are a signer on a personal account, you have no protections. If you are the signer as trustee on a trust account, you can use the account the same way, but no one can take the money for your personal debts, including the most evil organizations such as the IRS, Department of Education for student loans or the state collect collection authorities.\n\nWhy are you still signing for your bank accounts as being personally liable? It’s very easy to open a trust account using a settlement trust and completely avoid this problem. If you ask most attorneys about this, they will laugh and say there is no such thing and you can’t avoid bank levies or debt collections this way. The reason they will say this is because they are not selling it to you, and most of them don’t use these types of strategies for clients. Instead, most attorneys think they solved your debt problems when they get you into a payment plan. This is malpractice in my opinion, and most would agree.\n\nIt also does not create any new tax consequence because you either use it for “after-tax” money or you simply report any pre-tax money just like you would if it were paid directly in your name. The settlement trust does not require you to file any new tax returns, it’s quite simple for such a life changing benefit.\n\nWhy not totally eliminate the risk of a bank levy using a settlement trust and never think about it again? You can use one settlement trust and open several bank accounts, and they are very easy to open as the people at the bank recognize them very easily.\n\nIt takes about 7 days to create a settlement trust and it comes with instructions on how to use it. Send me a request with “Settlement Trust” in the subject line, to [email protected] and I’ll answer your questions and set one up for you.",
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