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Prepare For War….Or Immigrate bodies to fight it for you.

I FIGURED IT OUT AMERICA. Ok so just think about the border crisis for a minute. Lines of military aged males have lined up by the thousands at the US Mexico border. Here we are again before an election, and we need a war to start yet again in order to have an increase in taxes. No war, less taxes are pulled, at least that is what the initial reasoning for taxes was. You have Nikki Haley who is endorsed by billionaires. According to Upward News in a 6-year timespan, Nikki Haley went from 1 million in debt to 12 million dollars in income. So let us just say if we are looking at another Iraq and Afghanistan war then of course defense contractors are going to try and get Nikki close to a possible next presidency. Not saying she will win, but I will make the assumption that another war is coming, over something that we don’t actually need to be a part of. Also, all those military aged males coming across the border will be fighting it. As well, letting immigrants’ immediate citizenship if they choose to enlist in The United States Military. As well, Donald Trump is known for his 4 years of a no new war type mentality. We shall see how hard Nikki Haley is pushed to get into some type of power.

 

According to pewsearch.org, most common immigration is happening from Mexico, India, China and the Philippines. So maybe Americans can stay out of this war and just let anyone who immigrated go fight. Of course, again according to usafacts.org recruitment of us military personnel is down. Now this could be many different factors, but a lot of things are surely lining up like dominoes. I’m just wanting to see what the picture is of when they fall. Bangov Actual out

 

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Nobody Owes You Shit

We all look at things through different lenses. When someone tells me they hate capitalism, they are looking at it as if they are entitled to it. The problem with this is that they will spend most of their life hating the world for what it did not give them, when they have not worked, made sacrifices or shown any sort of vested interest in a particular field.

Entitlement is defined as: believing oneself to be inherently deserving of privileges or special treatment: The definition of Capitalism is: an economic and political system in which a country’s trade and industry are controlled by private owners for profit:

For those of US NEWS trade schools are up by 11.5%, construction trades up as high as 19.3% and culinary increased 12.7%. While local community college enrollments decreased 7.8% and 4-year decreased 3.4% for 2021-2022.

Of course, I am not saying that a college degree is not necessary…. for now, at least to become a lawyer, doctor which are all admirable trades. In the future whether these are to become trades or even apprenticeship type roles is for the industry to decide for themselves, I am no expert on this. As much as I would love to see medical school more invasive in how it is taught. This coming from a guy that wouldn’t be able to stay awake and battle the countless hours studying. On the other hand, I also would like to see people like me be given an opportunity to be in the medical field who are more hands on in how they learn.

Don’t intend for your life to be amazing day 1. If you think you want it that way, then life to you will seem hollow. Find something to do first, then create a passion of it. Bangov Actual out.

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Heads Up Snowflakes, This Might Sting

Stop Trying, stop getting up early. Don’t even think about setting that alarm. It would be so much better if you stopped waking up in the middle of the night to write what was on your mind and just go through as many days as fast as you can. The process of trying to accomplish something is too long and hard. So just give up. Just get a job that pays your bills and that you can go to Hawaii once a year for the rest of your life. Don’t live to experience life, don’t try different foods. Stay in your bubble, stay just as society expects you too so you don’t get into trouble or hurt anyone’s feelings. Don’t worry about your opinions, everyone has them so why are yours special, or why do you think they are going to make any difference. 

I will say if you have kept reading this long, either you’re fuming like little snowflakes, or you are laughing as you should, because you are a good person and you know this tends to be someone else telling you this. Usually, people who you should not be associating with. Or you tell yourself this every day and you still fight back. You still look deep within yourself in order to combat the day to day of people who may not be right for you to succeed. What is great is that you need less people than you think.

A study of 4,382 will tell you that having basic needs met and being confident that you are able to provide solutions for you, or even your loved ones. To simplify, if you are to look to yourself for answers and fight for what you need, then you become a person that people can rely on. We all need help sometimes, and of course it is great to have friends in order to bounce ideas off of or even ask questions to get out of your own head, and help you not make abrupt or even emotional decisions.

In short don’t be a lazy sack, stop asking others to fix your problems. Or better yet quit blaming others for your poor choices and begin to make better one. Bangov Actual, out.

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Weak Parents Are Woke Parents

What do you think of when you think of debt. credit card, house loan, car loan. These things all keep us from our personal financial goals. I am not saying I am any better. I see something, and it takes me a swift kick in the ass to convince myself that I don’t need these better features on the car. Or I should probably not buy this for my girlfriend because it is something I may have to get a few paychecks to pay off on the credit card. I have begun to tell myself “You do not need that.” What is embarrassing, is that I do it a lot. Instead of putting money aside, because let’s be honest, we are all not the greatest at doing that if you don’t have at least a couple thousand in your bank right now. Forget about 3-6 months of savings for your monthly expenses in case you lose your job, car breaks down etc. If you don’t have at least 2k in the bank, then you suck at saving money.

Quick google search, you will see anywhere from 49- 57% of Americans cannot afford A 1000-dollar emergency expense. So why do we keep doing this? Why is it that we don’t teach the Gen Z or millennials about money. Personally, I will blame parents for most things. You bought them an iPad but you don’t teach them how it was paid for? Hell, they spend 10 hours on the stupid things but none of what they are watching is contributing to their education They watch these mindless videos of soccer tricks or blowing up watermelons.

There are things you must force your children to do. Don’t care if they are over the age of 18, if they don’t want to listen and then when they come back to you at 25 and ask why they were never taught this you can say because you didn’t want to stupid. Parents that are tougher than their kids are like one of my favorite things to watch. Watching weak parents controlled by their kids makes me sick. It is worse than watching Hoarders, or The Biggest Loser.

One of my favorite quotes by Dave Ramsey is “personal finance is 80% behavior and 20% knowledge.” It just sums a lot of things up. You must change who you are. Right now, you suck because you’re not willing to do what is necessary in order to make those changes in your life. This is not The Oprah show, this is BanGov. YOU NEED TO CHANGE. If it seems as if you cannot break this cycle of debt and indecision on what to do with your life. Try and find someone that will guide you towards getting out of the weeds. Making your life a little better, bit by bit. Just simple pieces of knowledge. All you have to do is stop buying dumb shit. If possible, if it doesn’t come down to a necessity. Food, water, mortgage, rent, car payment, utilities, gas. Then don’t buy it. Put into action, and first start with writing what your bills are and what is made on top of that. If you need a second job, get one. If you need to get a smaller place, or even some roommates, then get one. Cut down your bills as much as you can in order to get ahead of your finances. In a year of committing to bettering yourself you will have made more changes than you can count, and only then will be happier. Happiness is a state of mind and what you implement. If you let someone else determine that, you’re a slave. Bangov Actual, out.

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Success In A Recession

The world of possibilities when it comes to business and doing what is right in your heart, does not stop when a recession is among us. Throughout 08-09 businesses flourished, and businesses crashed. Of course, your choice of business, as well your willingness to adapt to the market will be the defining factor in if success is inevitable or for a limited time. 

When it comes to adapting, take covid for example, as the biggest upset in businesses, shutting down businesses across the world. This pandemic showed us what people were willing to do to stay afloat. People still have to get groceries. Masks and hand sanitizer flew off the shelf, but what people didn’t know is that bikes, camping equipment, gym equipment and pets’ accessories as well, according to NBC. 

All you have to do is keep in mind as markets shift, this is your time to adapt and shift with them. Looking for new ways that a person may utilize your product or service is a new experience for them. It is a heart crushing thing when someone gives up on a business dream that they have devoted so much time and money to. My only hope is that with the changing of times, we stay positive and keep researching becoming subject matter experts in what we need to do to be successful. 

Forbes tells us of a few ways that businesses have adapted to the covid market. Of course, this is something that we are going to be seeing the aftermath of covid for a long time when it comes to business, and I have no doubt that businesses have made covid a part of their contingencies. Of course, Governments always need a reason to tax, or incentivize inflation. Covid, war, whether you believe in conspiracies or not, just know something will happen beyond your control and inevitably bring us another rise and fall in the market. So, learn from mistakes of the past, keep researching, remain vigilant in your endeavor. Bangov Actual, out. 

 

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Another Paycheck-to-Paycheck Rant

Ya, I know I know, but people still don’t seem to get that money is your responsibility and not the government coming to save you. Having a conversation about money with your spouse is no easy feat. Both of you have different needs and wants throughout a given year. When it comes to thinking about what they are over the course of a year. You begin to ask each other if we really need this. When you ask this, it becomes clearer that you may be able to survive off less than you think. Of course, expenses come up. Can be anything from new tires or the water heater broke.

Breaking down what you spend, and then the lengths you are willing to go to pay off your debts you have. Think if you were to live out of your car for a year. You live next to work; you pay almost nothing in gas to get there. No rent, gas bill is cut in half, and your basic needs are met. I understand this to the extreme for most, but that is the point. Once you are willing to accept that your life is not going to get any better unless drastic changes are made, then you are not going to make the necessary changes in order to climb out of whatever debt pile you have dug for yourself. 

CNBC states 62% of Americans are living paycheck to paycheck. Says “experts” have coined it lifestyle inflation. Which in turn is spending more and more as a person’s income increases. Makes sense when you think of when you got your first big raise. Now you can pay for that new car you always wanted and will get sick of in a month. Vehicles are made to transport your people and their shit, period. Or I make more now, so my clothes will be nice at work. Nobody cares what you wear to work, and worse, nobody is paying you to wear them. Unless you’re a model, then you’ll have to give those clothes back anyway.

You are being sold the world you live in. Everything from the clothes you wear, the car you drive, to the food you eat. Nothing is free in this world. What is great though is that you can say no to everything you don’t need. Some things may make things easier. Just think of your home as a box for all your shit. You can live without a lot of it. Took me a long time to look at all the money I had wasted trying to buy the right clothes, buy a big house, and never really establish myself financially. I am still trying to learn how to do that. Just as time goes by, I still have impulses to buy things I don’t need, and it is frustrating to see how far I could have come if I knew about it in my 20’s. Can go all your life thinking about what might have been. The trick is to accept reality and make the changes now so you’re not saying these things again another 10 years from now. Whatever decisions you and your spouse do decide to make, just know you’ll both be happier for agreeing less is more. Bangov Actual, out.

 

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When You DIY Everything

My mother was house cleaning for 22 years of her life before she retired. One thing her and my father taught me was how to save money. Getting things for pennies on the dollar is a great way to save as much money as possible and being able to attribute those savings to investing for long term gains.

For instance, the average household, according to Statista, the average American household spends on average $169.83 cents on cleaning supplies including detergents. When I hear this, I just think this is bananas considering over the course of a 6-year military career, and yes ladies and gentlemen our military do buy their own household cleaners and detergents. It was in my mind to only make under 30 thousand dollars a year. It was in my best interest to save as much money as possible. Over these 6 years we cleaned everything from barracks, general living quarters, weapons, clothing, gear, and the occasional rocks with nothing but soap, water and disinfectants.

Being as you want your home to look and feeling as fresh as can be, just know even your cleaning services that you pay enormous amounts of money, use less expensive cleaning supplies than you do in order to maximize the dollar that you pay for them. As well they charge you for the cleaning supplies used in the process of cleaning your own home. So again, with the simple ingredients of Water, baking soda, vinegar, dish soap and a scented antibacterial you are able to maximize your cleaning capabilities while saving the most amount of money possible. This will leave your home smelling, lemon, lavender, ocean mist or cucumber fresh. Buying 4 separate spray bottles you will concoct everything you need for your household cleaning desires: Floor cleaners, tub and tile, and as many surface cleaners as you can possibly imagine for the price of under a dollar a bottle. 

Now that being all fine and dandy, when we look at cleaning ourselves, the price may vary. My question to you is, why don’t we all treat our bodies as if they have delicate skin. Of course, I am going to lose a lot of women here considering they just have to have the right shampoo and conditioner, or they refuse to go out. Body washes, shampoos are just in fact cleaners for the skin. These are things as well that can be diluted with water and able to save a lot of money throughout the year.

According to the women around me they will buy a bottle of body wash every 6-8 weeks. Even at 10 dollars a bottle, if you were to cut it in half and or even a third and be able to maximize the same bottle for 6- 9 months, then you are saving yourself that much more money when you spread that same idea across various means in your life you will be saving money. When it comes to any product you purchase, the cost of an item due to inflation will rise. These are just simple ways to keep money in your pocket while prices for companies deal with the expenses. I have even been one to dilute milk with water, but it is not for everyone.

As someone who likes to find solutions, my dream is that more people will undermine companies’ products by diluting them as I have explained. When you put pressure on companies and how they make money, change is inevitable. This is the misconception that everyone misses when they say to vote with your dollar. The beauty of capitalism is it gives people the choice to find the most expensive, best quality, or even the cheapest for the individual consumer. As we all can struggle sometimes with money and how to make our dollar go further, just keep in mind a little creativity. Bangov Actual, out.