Family reunion

We made it! It’s not as sunny as we thought it would be. It’s raining. It’s pouring. More or less, there are old men snoring.

The beach house is wonderful, because we are near the shore and say hi to the people to boat down the strip. The best part to this vacation, is that our labradoodle is getting so much attention from tourists and locals. He loves it so much! Crazy enough, he has been spoiled a lot – with a $12 meal as the record so far. But, we love him. He’s family and we all eat good.

Today is a simple day – we travel down to south beach to have lunch with the whole family and take a boat tour of the city. The only thing that can top today, is if Bernice from South Beach Tow comes and we get her autograph!

Maki Ramen 

This is the first time I have eaten ramen, besides out of a styrofoam cup. It looked very close to what you would see in Naruto. Especially those Narutomaki, those fancy pink and white swirl pads,  it’s fish paste that takes pretty good.

A whole bowl of soup, ramen, mushrooms, half a boiled egg, bulgogi, and a strip of seaweed wrap. One must be crazy to not eat this delicacy.

Maki is quite small, the size of a boba shop, but with all the amazing flavors. This might be our designated ramen shop (I’m lying. I’m always willing to try other places).

If you are in the area, give it a try!

Credit card?

Okay. I keep getting questions from friends asking if getting a credit card is good or bad? First of all, before you google your favorite credit card, try to imagine how much money you can get, etc.  – understand that it is a simple concept that can make or break the way your credit will be.

Credit is “imaginary money” (don’t quote me on this) that has been provided to you to make any necessary purchases – given that any money you borrow, you must pay back. It’s like having miniature loans. You use the “credit” to purchase your items, which the credit company gives you about 1 month to pay off. Purchases made in the statement month (see the terms and conditions of what a statement month is for your credit card company) will be required for you to pay that following month.

What I would recommend starting off with, is applying for a joint credit card with your parent at your current bank. This would help with building up your credit (if you don’t already have any) and help you learn more about the card as you use it.

Those who already have good credit, I recommend to sign up for any cards that can offer rewards. If you can afford the yearly fee, more power to you. Free is always good for me, so I like to stick will those credit cards. Theoretically, you are going to spend the money anyways, why not get something back instead of just giving your money away by paying cash or debit?

Rewards can involve money back, gift cards, free plane tickets, discounts, or even vacations!

For those who have bad credit, don’t worry! There are credit cards that support applicants with bad credit. You can keep track of your credit by downloading the Credit Karma App (sorry no link, they can pay me to do all of that) and monitor the numbers. Start now by only spending what you have.

This brings me to my next point – DON’T SPEND THE MONEY YOU DONT HAVE. Yes, there are times where we may have to put a bill or two on the card where we might have to wait for the money next paycheck, which is fine. As long as you pay within the statement month, you are in the clear. Most companies will remind you when your next payment is so that you can schedule payments accordingly. There are times where I feel people will not have self control and will spend all of the credit they have – and that is abusing the credit card. That’s just like borrowing something and not being able to give it back.

Keep in mind, credit cards are not for everyone. Like I stated above, many people do not have self control. That is your decision. I’m merely stating the benefits of the credit card and how it can make your life a bit easier.

Be sure to pay it off in full every chance you get (to capitalize, spend only what you can afford) because this can build your credit to a very strong number. If you make the bare minimum payment, this is do little to nothing to those numbers. You might as well cancel the card after you pay it off because it tells you that you may not be financially responsible.

Be honest to yourself and figure out if you are ready for this type of responsibility. I knew at 18, I was going to get a card and start building up. This gave me many options for my future (present now) to purchase and car and a home.

You can say that credit can also a form of trust. A person (company) is trusting you with there money to use to pay for whichever you desire, hoping that you will pay them back. To continue with the imagery, this person will be nice and not charge you anything if you pay back in full, within the statement month span; however, they will charge interest every month you don’t pay and their trust for you will slowly decrease. The more trust you have and then better you start paying this person back, you slowly start to accumulate a reward for your efforts.

Build trust and Understand your limits.

Anymore questions? Feel free to reach out to me at anytime! I’m always willing to help and give advice.

Hello World!

Here’s the start to a new adventure. Hi. My name is Victor, I am 22 years old and I have found my nirvana through cars.

Throughout the course of this blog, you will begin to understand my life and how i turn things from good to great or how to cope with things. I have experienced a lot so far in my life, and I believe this is my moment to share it to everyone who cares, doesn’t care, needs something to read to kill the time, wants to read something new, and/or is just bored.

This is my story.