Fees And Other Extras

As a general rule, just tell your salesperson that you will not pay any fees. Dealers will try and sneak in things like a documentation fee. It’s unnecessary. Either the dealer gets rid of the fees or you will buy your vehicle from someone else who will get rid of them.

Do not fall for any fees offered after you have finished negotiating a sales price. Anything that someone like an insurance manager or finance manager tries to sneak in after the price has been confirmed is unnecessary.

Dealer Financing

Do not finance through the dealer that is selling you the vehicle. Before looking at new cars, find your own financing. Dealers will sometimes offer customers a certain APR but in reality, a customer pays a whole percentage point higher. The dealer ends up keeping the difference. Secure your own financing before even looking at cars. It will be less expensive.

Do Not Give Up A Check

When a salesperson asks for a check to take to his manager to show him that you are serious, walk out and find another dealer. It’s amazing how many of those checks get “lost.”



Online Websites to make money Writing for


Comedy website Cracked pays writers $100 to write guest posts about pop culture, weird news and other topics. If you’ve ever wanted to write about, say, the biggest plot holes in Scooby-Doo, now’s your chance. You need to read its guidelines and join its Writers Forum before you can start pitching.


If you like writing listicles, Listverse is the site for you. It is willing to pay $100 for list posts that include at least 1,500 words and 10 unique items. Check out its guidelines and see how many eye-catching lists you can create.



TopTenz is another list site, and it pays writers $50 per list. As the name suggests, TopTenz specializes in Top 10 Lists only. It has a very long list of guidelines.


BootsnAll bills itself as a “one-stop indie travel guide,” and it pays writers $50 for feature articles. According to its guidelines, articles must reflect the tenets of the Indie Travel Manifesto, including traveling light, interacting with locals and giving back to the local economy.

International Living

Live abroad? International Living pays $75 for 500- to 600-word stories about expat life. If you’re living in a foreign country, read the guidelines and consider sharing your stories.

Brazen Life

Brazen Life pays $50 for high-quality guest posts about networking opportunities in specific cities. Check out the cities it has already covered. If your city isn’t on that list, use these guidelines to pitch the site.


Tech newsletter WorldStart pays for both guest posts and email newsletter contributions. The pay scale runs from $25 for 250 words up to $50 for 800 words. WorldStart focuses on Windows tips, as well as general internet and computing posts. Check out its pitch guidelines .

UX Booth

Do you know how to use design to optimize user experiences? If so, you might want to develop a pitch for UX Booth. This specialty blog focuses on “stories by and for those practicing user-centered design.” Its pitch guidelines are very specific, and you’ll work with an editor to make sure your finished piece is perfect — and worth $100.


If you love the theater, check out HowlRound. This site has a lot of great essays and interviews about theater and performance. A 1500-word essay earns you $150, an in-depth performance critique pays $100, and a blog post gets you $50. Take a look at the guidelines.


Fashion and lifestyle site XOJane is always looking for new writers, especially if you want to contribute to one of its popular series such as It Happened to Me or Beauty Dare. Check out its guidelines. Payment isn’t listed, but other writers have reported earning $50 or more for their work.
Fuse Financial Partners

Fuse Financial Partners, formerly Rock Solid Finance, pays for guest posts about small business issues. You must provide actionable advice; make sure you’re offering a concrete lesson or strategy for readers. Follow the guidelines, and be aware that you’re pitching to David Worrell, “the world’s toughest editor.”

 Model Railroad Hobbyist

If you’re a model railroader, add Model Railroad Hobbyist to your list of sites to pitch. Pay rates are variable, although it notes that “a typical article of 3,000 words, 10 photos and a short video clip will net a payment of about $230.” The guidelines have more information.

 Doctor of Credit

Doctor of Credit is “your prescription for healthy credit.” This site pays $50 for guest posts — and if you want more regular writing work, they’re also looking for regular contributors. Check out the guidelines.

23. IncomeDiary

Online business site IncomeDiary wants to pay for great posts — and it’s willing to let you name the price for your work. Take a look at their guidelines, study their list of most successful guest posts and pitch IncomeDiary with a great idea to help people make more money online.

24. The Krazy Coupon Lady

The Krazy Coupon Lady is all about coupons and saving, running blog posts on everything from thrifty uses of eggshells to choosing the best diet plan for your wallet. The Krazy Coupon Lady pays $50 for guest posts, so take a look at her guidelines.

25. The Penny Hoarder

Yes, you can even get paid to write for me! The Penny Hoarder offers writers $75 per post (plus bonuses up to $800 if your post hits certain traffic milestones), so take a look at our guidelines and send over your best pitches about earning or saving money, The more unusual or zany the story, the better — we’d love to hear from people who have earned money as professional mimes, or helped pay for college by starting a business in their dorm rooms.

This list should get you started, but these aren’t the only sites ready to pay writers for great content. For more opportunities, check out Sophie Lizard’s Ultimate List of Better-Paid Blogging Gigs and Bamidele Onibalusi’s 110 Websites that Pay You to Contribute an Article, Instantly.




Obama’s legacy (To be Continued)

Obama the Political Heavyweight

Barack Obama controlled only the White House and yet he outsmarted an entire Republican majority Congress, Senate, 33 legislatures, and 32 governorships using their own obstruction and gridlock against them. That same majority exists today, only now it has control of the White House as well giving it absolute power in government, and yet it cannot pass a single policy

Most influential African Leaders of All Time

  1. Nelson Mandela – South Africa. A living legend. The symbol of Africa. Freedom fighter. The most recognisable face in the world. Helped to bring apartheid to an end.

2. Kwame Nkrumah – Former president of Ghana. He envisaged the African Union long before it became a reality. Nkrumah became an authoritarian, legalizing imprisonment without a trial. However, his efforts as Prime Minister were lauded for his implementation of improved road conditions, health care, and schools. Careers flourished for Ghanaians.  His footprints are still blueprint for us to follow.


3. Hailie Selassie – Ethiopia

He served Ethiopia as its regent from 1916 to 1930 and as its emperor from 1930 to 1974. He fended off an invasion by Italy. In 1936, at the League of Nations, he condemned the use of chemical weapons by Italy against his people during the Second Italo-Ethiopean War.

He played a significant role in starting the Organization of African Unity. His views resulted in Ethiopia becoming a charter member of the UN.

4. Mansa Musa – Mali

5. Aliko Dangote – Nigeria- The Richest Man in Africa


6. Menelik II – Ethiopia

7. Kofi Annan –  UN secretary general – Ghana Africa’s greatest diplomat of all time. He is handling the reforms at the UN in a calm and efficient way.

8. Julius Nyerere – Tanzania A great leader who refused to allow the trappings of power to corrupt him. He was respected by his country, Africa and the rest of the world. e voluntarily stepped down in 1985. He was premier when Tanganyika was granted internal self-government, and was made president on independence in 1961.
In 1964 he successfully negotiated the union of Zanzibar and Tanganyika, resulting in today’s Tanzania. This great leader guarded himself against corruption. He was respected by many world leaders of his time

9. Paul Kagame – Rwanda

President Paul Kagame’s government is credited for a growing and stable economy, expanding by 45.6 per cent from $5.77 billion in 2010 to $8.4 billion in 2016, and significantly reducing poverty levels.

Analysts attribute the strong GDP growth to the country’s continued commitment to reforms, creation of a good business environment, and implementing a strategy to raise productivity and services diversification.



10. Ian Seretse Khama – Botswana   –

Image result for Ian Seretse Khama

11. John Magafuli

John Magufuli

12. Abiy Ahmed –

Image result for ethiopian prime minister abiy ahmed


13. Thomas Sankara

Image result for Thomas Sankara

  • He vaccinated 2.5 million children against meningitis, yellow fever and measles in a matter of weeks.
  • He initiated a nation-wide literacy campaign, increasing the literacy rate from 13% in 1983 to 73% in 1987.
  • He planted over 10 million trees to prevent desertification
  • He built roads and a railway to tie the nation together, without foreign aid
  • He appointed females to high governmental positions, encouraged them to work, recruited them into the military, and granted pregnancy leave during education.
  • He outlawed female genital mutilation, forced marriages and polygamy in support of Women’s rights
  • He sold off the government fleet of Mercedes cars and made the Renault 5 (the cheapest car sold in Burkina Faso at that time) the official service car of the ministers.
  • He reduced the salaries of all public servants, including his own, and forbade the use of government chauffeurs and 1st class airline tickets.
  • He redistributed land from the feudal landlords and gave it directly to the peasants. Wheat production rose in three years from 1700 kg per hectare to 3800 kg per hectare, making the country food self-sufficient.
  • He opposed foreign aid, saying that “he who feeds you, controls you.”
  • He spoke in forums like the Organization of African Unity against continued neo-colonialist penetration of Africa through Western trade and finance. • He called for a united front of African nations to repudiate their foreign debt. He argued that the poor and exploited did not have an obligation to repay money to the rich and exploiting
  • In Ouagadougou, Sankara converted the army’s provisioning store into a state-owned supermarket open to everyone (the first supermarket in the country). • He forced civil servants to pay one month’s salary to public projects.
  • He refused to use the air conditioning in his office on the grounds that such luxury was not available to anyone but a handful of Burkinabes.
  • As President, he lowered his salary to $450 a month and limited his possessions to a car, four bikes, three guitars, a fridge and a broken freezer.
  • A motorcyclist himself, he formed an all-women motorcycle personal guard.
  • He required public servants to wear a traditional tunic, woven from Burkinabe cotton and sewn by Burkinabe craftsmen. (The reason being to rely upon local industry and identity rather than foreign industry and identity)
  • When asked why he didn’t want his portrait hung in public places, as was the norm for other African leaders, Sankara replied “There are seven million Thomas Sankaras.”
  • An accomplished guitarist, he wrote the new national anthem himself

All within a period of 4 years

14. Amilcar Cabral

Image result for Amilcar Cabral

15. Clarence Peters – One of the best music video directors in the World.

Image result for Clarence Peters



Best new bank accounts to open

Citi $300 Bonus – No Direct Deposit Required

Direct link to bonus

There was a bonus for $400 with less strict requirements in the past but given that this $300 bonus has been extended I’m not sure we will see the $400 bonus again. It’s also worth noting that you can get the bonus again if you haven’t held a Citi account within the past 60 days, so this bonus is effectively churnable. You also need to be able to deposit $15,000.

Countries with the most wealth

Real assets, mainly housing, were found to make up 60 per cent of household wealth

Read more: http://www.dailymail.co.uk/news/article-2792618/how-australia-richest-country-world-fifth-year-row.html#ixzz4VIJnizJD
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  1. Switzerland   $500,000

2. Australia  200,000

3. Norway  150,000

4. Luxembourg  150,000

5. United States  $100,000

6. Sweden   90,000

7.France    90,000

8. Singapore  90,000

9. Belgium  80,000

10. Denmark   78,000


Best things to when buying a car

  1. Vehicle History Report

    A vehicle history report can you help you reveal title problems, ownership history, service points and previous accidents, large or small. These reports can be available from dealers or ordered online. CARFAX offers one of the most comprehensive car reports available to purchase, which is pulled from a database of more than six billion car records.
  2. Decode the VIN

    Checking a VIN decoder chart is a quick, easy, and free way to check a used car’s VIN info matches up with what’s in the vehicle title and records. VIN cloning is a scam where sellers replace the VIN of a stolen car with one that is legally registered. This type of fraud can easily be avoided by decoding the VIN of the vehicle in question.

  3. The Leak Test

    Any car that is leaking fluids is a red flag for a needed repair. While you’re on a test drive, take a moment to park in a clean area on the road, and let the car run for at least 30 seconds. Then, move the car and do a visible inspection for any leaking substances. Black fluid might be an indicator of leaking oil, green fluid may indicate a leak in anti-freeze, and pink fluid may indicate a leak in the transmission.

  4. Research Price

    To ensure that you are being charged a fair price, make sure to compare prices for the same make, model and year with several sources. Checking the Blue Book values and dealer prices can easily be done online. Even though condition and mileage will play a role in price, you can still get a good ballpark figure of the going price.

Things people need to understand about money and the laws of money



  1. Money is not a means to happiness, money is a means to not having to deal with B.S
  2. Apart from loved ones, people are not going to give you money because they feel sorry for you, they are going to give you money because they need you or because they like what you are doing.
  3. Extroverts make more money, because they are people person’s and it is people that give you money. In Fact Extroverts make on average $10,000 more than introverts. The Problem with introverts is that they are too shy(cowardly), emotionally fragile, slow in thinking things over, and worrying about pleasing people. If you struggle with these problems try to be an ambivert

Laws of money

  1. Be transparent when handling other people’s money
  2. Don’t wait to make money.
  3. Never lend money to someone without taking collateral, be upfront with people about money policy