Starting Life...Right From The Start
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About this ebook
If you just bought a vehicle with 4 wheels, chances are that you paid more for it than someone who bought this book! If your credit is jacked up and you think having money in the bank is for other people, chances are that you will be broke for the rest of your life! If you are just starting life out or been at it for a while it's not too late! You have the power to make your LIFE what you desire!
Lester Callegari, Jr
Lester J. Callegari Jr. is a person dedicated to helping others succeed in life. He has learned that the desires of life are not easily obtained but can be if you are diligent, focused and determined to succeed. Some of those factors were developed in his tour with the US Air Force. During his life after the military he made a commitment to travel the world, go after the desires of his heart and sell out to God. The latter was the greatest thing he could have ever done because that is where his purpose was found.Now a marriage counselor, a mentor to struggling men, a father figure to many young men with questions about the direction in their life, a successful business owner, business mentor, a minister of the gospel of Jesus Christ, an author, a father to 3 sons, and a dedicated and faithful husband to one wife. His life is steadily being fill with the opportunities to help other succeed and live a life that is full of joy and victory.He has an understanding about success that many people miss all of their lives. Has several books published and many more to come. You can catch him on facebook @facebook.com/BishopLC and twitter @LJCallegari.
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Book preview
Starting Life...Right From The Start - Lester Callegari, Jr
Starting Life…Right From The Start!
A Simple Guide For Making WISE Personal Finance Decisions
Published by Lester J. Callegari Jr. at Smashwords
***~~~***
Copyright 2010 Lester J. Callegari Jr.
First Edition
Smashwords Edition, License Note
This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person please purchase an additional copy for each person. If you’re reading this book and did not purchase it or it was not purchased for your use only, then please return to Smashwords.com and purchased your own copy. Thank you for respecting the hard work of this author.
Table of Contents
Introduction
Chapter One
the secret formula
Chapter Two
negotiating the deal: three steps to success
Chapter Three
financing and leasing, the right way
Chapter Four
your internet options
Chapter Five
lemon laws of your state
Chapter Six
final checklist
Chapter Seven
how much do you have saved?
Introduction
Knowledge and wisdom. Without them where would we be? Well, I know that’s one of those questions that already has an answer. Ok let me narrow it down, if we didn’t have knowledge and wisdom about our personal finance where would we be? Ok that’s better. Now, that I have everyone attention and you’re pondering this thought. I guess most would say they would be billionaires never having lost a single cent to the sharks and wolves out there, right? Back to reality! Wow..think of all the money you have wasted on cars that have broken down on you, paid too much, financed for too much, and investments that have done not so good in the market, not been able to save at all, blew money on what you thought was a good deal only to find out later that you got ripped off! Know the feeling? I have known it way to often! But then something happened and I wised up! I found out that there was a way for me to keep some of my money in my pocket just like rich people! I found that if you look in the right places and ask the right questions you will have what people you admire have! The auto and personal finance industries are making BILLIONS of dollars, even in today’s economy, in unjustified profits by getting unwary consumers to relinquish their check books as well as their confidence in this market. Bank failures only happen when the focus and concern for profits out way the consumer rights. We have NEVER seen so much turmoil in our economy! When business stops being concerned with the condition of it’s customers and allow greed to cloud their minds, what you get is the current mess we are in now.
You see we have been where you are today, maybe broke, maybe have a job and still broke, maybe think you have it but Murphy
keeps you in the red! Yes, we have lived a life of debt and we have live a life of debt-freedom only to get caught up in the vicious cycle of American capitalism again! I tell you, having six-figures in the bank, having cars paid for, house worth double what we paid for it, investments and 401ks worth 10’s of thousands, able to travel to other countries that most people only read about! Given a choice, which we have in America...I choose the later! You can keep the broke and poor life! We have decided that even with all of that, we want to live a true life of freedom...complete debt freedom! In 2006 when we decided to turn this train around it was a big paradyne shift! Yes, we had and we did but the bondage of this world economic system says you can only enjoy that kind of lifestyle if you owe every bank in the world and charge on every card that exist! Well, as I stated earlier, we have been debt-free before and several of our friends are debt-free and believe me it is MUCH...MUCH...MUCH better to be DEBT-FREE! Just imagine, not having to worry about how you were going pay your Mercedes car note, because the car is paid for! Just imagine, not having any credit card payments, loans or any other debt that’s sucks the blood out of your wallets! Just imagine, not having a mortgage because you have been diligent paying your house off earlier and now its paid for in record time!! JUST IMAGINE!!! Can you lead this kind of life? You bet you can! This book will help you get there! It can help you get things in order to put things in the right perspective so that when opportunity knocks, you are ready!! Now I recognize that old habits die hard, so this isn’t a Dump Everything You Know
and do thing my way book, it is a introduction to getting your current financial situation to a place where you now have control! A place where you are no longer at the mercy of the financial institution telling you how to spend your money because YOU know how to keep your money! We are about to protect ourselves against such economic attacks to our wallets and purses. You will learn how to negotiate and save thousand on your next vehicle whether new or old! You will learn what to expect out of your next auto purchase experience! You will learn how your money works in the banking system! You will learn how to fix your own credit..legally! You will learn how to retire with money in your account instead of owing tons of money when you retire or relying on Uncle Sam to take care of you! You will succeed in winning at personal finance, follow this book and I PROMISE your life will be better!! Lester J. Callegari Jr.
Dedications
I would like to first thank God for blessing me with the wisdom and experiences that has taught me over the years. I would like to thank the love of my life, my everything, my beautiful wife for standing with me during the writing of this book...Thank you!
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Chapter One
buying right from the start, the secret formula
The car buying process. There hasn't been one single thing in the American dream of things that has brought so much fear and anxiety than the process of automobile acquisition. Except maybe paying taxes. The auto industry has made this simple process into a sweat generating, character demeaning joke. If you look at any product that you buy at a business, the process is as easy as 1-2-3. 1) Shop for what you want; 2) You select the item you want; 3) Buy the item. It's not that easy with car buying. This process can vary from 5 steps