PETRODOLLAR

 

WHAT DOES THE TERM PETRODOLLAR MEAN?

 

Many people don’t know what a Petrodollar is, or what the term means. Well guys allow me to preach and your job is to read.

Preparing to rebuild the international economic system as World War II was still intense, 730 delegates from all 44 Allied nations gathered at the Mount Washington Hotel in Bretton Woods, New Hampshire, United States, for the United Nations Monetary and Financial Conference. There was an obligation for each country to adopt a monetary policy that maintained the exchange rate by tying its currency to the U.S. dollar (PEG) which was the only currency to meet the rising demands for international currency transactions, because every 1/35Th of an ounce of gold was based to each US dollar. Once the agreement was settled in July 21, 1944 the Bretton Wood system was created. This was the first system that was intended to govern monetary relations amongst independent nations. This system collapsed when Nixon cut the Bretton Woods tie to gold in 1971 and did the oil for US dollars deal with Saudi Arabia in 1973.  

Because of the massive printing of the US dollar to cover the Vietnam War and welfare reform costs, Nixon worried about the strength of the United States currency. He knew that the United States, and the rest of the world was going to need and use more oil, and that Saudi Arabia wanted to sell the world’s largest economy (by far the US) more oil, Nixon and Saudi Arabia came to an agreement whereby Saudi oil could only be purchased in US dollars. This caused an immediate and strong global demand for US dollars. 

In 1973, Nixon struck a deal with Saudi Arabia, (without consulting with the members of the Bretton Wood agreement, nor his own state department) that every barrel of oil purchased from the Saudis would be in U.S. dollars. Under this new arrangement, any country that wanted to purchase oil from Saudi Arabia would be required to first exchange their own national currency for U.S. dollars. In exchange for Saudi Arabia's cooperation to change their oil sales exclusively in U.S. dollars, the United States offered weapons and protection of their oil fields from neighboring nations, including Israel. In 1975 every GCC (Golf Cooperation Council) member- Bahrain, Kuwait, Oman, Qatar, the United Arab Emirates (UAE) and Saudi Arabia supported oil pricing in dollars assuring the strength of the United States dollar post Bretton-Wood  era              

The term Petrodollar was created in 1973 by a Georgetown University economics professor, Ibrahim Oweiss, who established the need for a term that can describe the use of the dollar by Petroleum Exporting Countries (OPEC) in exchange for oil. Most oil sales throughout the world are conducted in United States Dollar (USD).  Because oil is the most demanded good in the world, most countries are forced to keep large stockpiles of dollars in order to continue to import oil.

When a country does not have a surplus of dollars it must creates a strategy in order to obtain them to buy oil. The easiest way to obtain US dollars is the exchange market, but this is not a long-term solution, so instead they export goods and products to the United States in exchange of  its dollar to purchase oil. For example Japan manufactures a Honda to the United States and immediately receives payments in dollars

The petrodollar system provides at least three immediate benefits to the United States.

· It increases global demand for U.S. dollars

· It increases global demand for U.S. debt securities

· It gives the United States the ability to buy oil with a currency it can print at will

 

PETRODOLLAR ILLUSTRATION

The petrodollar system has proven beneficial to the U.S. economy. In addition to creating a marketplace for affordable imported goods from countries that need U.S. dollars, there are more specific benefits. America receives a double loan out of every global oil transaction. First, oil consumers are required to purchase oil in U.S. dollars. Second, the excess profits of the oil-producing nations are then placed into U.S. government debt securities held in Western banks.

To help illustrate this point, let's imagine that you decided to open a hot dog stand in a small town with a population of 20,000. Of course, not everyone eats hot dogs, so only a certain percentage of your town's population will actually ever be a potential customer. And since you're obviously not the only hot dog stand in town, your competitors will all be attempting to reach the same portion of your town's population as you are.

Now, as an owner of a hot dog stand in a very small town, would you prefer to have demand for hot dogs from your own town only… or would you like to have hot dog demand from other nearby towns and communities too? (My guess is that you would like to have more customers, as that potentially means more money in your pocket.)

Now, let's take it a step further with another question…

Would you rather have demand for your hot dogs from your own town and nearby communities only or would you prefer to have all of the hot dog demand in your entire state?

Once again, the answer should be obvious.  To put it another way, if consumers all over your state are demanding your hot dogs, you have just been given a permission slip to hire more cooks so that you can produce more hot dogs.

Okay, now allow me to go even one ridiculous step further…

Imagine that Oprah Winfrey is driving through your state and just so happens to stop in at your growing hot dog stand. After Oprah tries your hot dog, she expresses excitement for your culinary skills. Oprah is now a raving fan of your hot dog joint and invites you onto her show to tell the whole world about your hot dogs.

It doesn't take an economist to figure out what is going to happen to the demand for your hotdogs… it is going to skyrocket.

As the demand for your hot dogs is increasing dramatically, so will the supply. Your new found global hot dog demand has given you a "permission slip" to buy even more frozen hot dogs and hire new fry cooks.

The important concept here is that a growing demand "permits" the producer to increase his supply.

Now, let's conclude our hot dog illustration by imagining that an up and coming rival hot dog company becomes a major competitor with your hot dog restaurant chain. As many of your customers begin visiting your new competitor, the demand for your hot dog begins to decrease. As the demand for your hot dogs drop, you no longer have a "permission slip" to buy as many hot dogs as you had before. As demand for your hot dog continues to fall, it makes little sense to hire more workers. Instead, to remain competitive, you must lay off workers and buy fewer hot dogs just to keep your company from closing down. Furthermore, you may even need to sell your existing hot dogs at a discount before they spoil.

If you decided to ignore the warning signs and continue hiring new employees and buying more hot dogs than were actually demanded by your customers, you would soon find your company nearing bankruptcy.

At some point, logic would dictate that you must decrease your supply.

How it all applies to the U.S. Dollar: Now, let's apply the same economic logic that I used to explain the increasing and decreasing demand for your hot dog to the global demand for U.S. dollars.

If it's only Americans who "demand" U.S. dollars, then the supply of dollars that Washington and the Federal Reserve can "supply", or create, is limited to our own country's demand.

However, if Washington can somehow create a growing global demand for its paper dollars, then it has given itself a "permission slip" to continually increase the supply of dollars.

This is exactly the type of scenario that the petrodollar system created in the early 1970's. By creating incentives for all oil-exporting nations to denominate their oil sales in U.S. dollars, the Washington elites effectively assured an increasing global demand for their currency. As the world became increasingly dependent on oil, this system paid handsome dividends to the U.S. by creating a consistent global demand for U.S. dollars.

And, of course, the Federal Reserves printing presses stood ready to meet this growing dollar demand with freshly printed U.S. dollars.

FACT: The artificial dollar demand created by the petrodollar system returned to Washington the "permission slip" to supply the global economy with freshly printed dollars that it lost after the fall of the Bretton Woods agreement.

The artificial dollar demand created by the petrodollar system has "permitted" Washington to go on multiple spending sprees to  create their "welfare and warfare" state.

And with so many dollars floating around the globe, America's asset prices (including houses, stocks, etc.) naturally rose. With this in mind, it is easy to see why maintaining a global demand for dollars is vital to our national "illusion of prosperity" and our "national security." When, not if, the petrodollar system collapses, America will lose its "permission slip" to print excessive amounts of U.S. dollars

POLITICAL WARS

         

Since the petrodollar existed there have been many nations that tried to oppose this system and create their own. In November 2000, Saddam Hussein became one of the first OPEC members to invoice oil sales in Euros under the United Nations (UN) Oil for Food Program. The Iraqi government used this as a political shot against the United States which at the time the was enforcing the UN sanctions against Iraq. 10 billion dollars was held by the French bank BNP Paribas to deny the UN Oil for Food Program, for Iraq. After the USA occupied Iraq, the new Iraqi government quickly returned the sale of oil to dollars. The United States to protrect their financial interests enforces that any country or regime that tries to change the invoice of oil trade will be dealt with.

Muammar Gaddafi harbored the Lockerbie Bombers and allowed many terrorist organizations establish training camps in Libya. He tried to buy a nuke from China in 1972. He baught nerve gas from Thailand.  In spite of well over fifty failed assassination attempts on Gaddafi by Israel, the US and the UK. Seeking nukes and harboring terrorists is one thing, but threatening the petrodollar is quite another.  Gaddafi made a fatal mistake when he decided to move away from the petrodollar in favor of other currencies. This was not tolerated by the US. Having already played the world police card in Iraq, the US made some phone calls and within a year, ‘rebels” rose up in rebellion against Gaddafi and now he is dead.     

The Iran situation is a little trickier. The US has tried to dissemble Iran’s government ever since the 1979 Iranian Revolution. So why, after thirty years of hostility, has the U.S. come up with this new story? As Obama stated in his recent State of the Union address, "When it comes to Iran and the insistence they dismantle their nuclear program, no options are off the table”. By stating ‘no options’ this would include “nuclear deployment”. The answer of course is that Iran is now seeking to disengage itself from the petrodollar. In 2005, Iran sought to create an Iranian Oil Exchange, bypassing the US controlled petrodollar. The US has created sanctions and has frozen Iranian accounts in Europe. But that is not stopping Iran. Iran sought other ways to get around the petrodollar lasso. There are rumors that India, which imports 12% of their oil from Iran, has agreed to purchase oil for gold. Energy trade with China, importing 15% of its oil and natural gas from Iran may be settled in gold, Yuan, and Rial. South Korea plans to buy 10% of their oil from Iran in 2012, and unless Seoul sides with American and European sanctions, it is likely to use gold or their sovereign currency to pay for it. Also, Iran is already dumping the dollar in its trade with Russia in favor of Rials and Rubles. So if the US doesn’t do it’s “World Police Work” a loaf of bread will cost $500.00 dollar instead of $1.00 dollar.

CONCLUSION

People talk about how we are in war for Oil, and how the petrodollar is bad. Think of the consequence that can happen if the US allows a different currency to be used and how it will affect your dollar. Check this article about attempts from other nations to change the way they do business 11 international agreements

Since 2000, US-Saudi (the strongest GCC member) relations have been deteriorating causing US dollar to loose in value overtime. Many GCC members have been trying to change the way they trade oil, but while changing currencies can be easy, changing the US military umbrella is not. (Always stick with the bug guys, with big guns). Let’s see how the Obama administration handles the financial interests of the United States.

 

 

 



STOCK MARKET

WHY WAIT

 We are young and can afford to gamble, so why wait until you get older to buy some stocks. You might invest in the next Apple or Google, you never know. I got in the stock market myself and made a few bucks gambling with penny stocks (stocks under $10.00), but let’s just say, you need to read a lot and constantly check your account for sudden drops or sudden raises. You can invest in different ways. But first let's ask this question.

WHAT IS A STOCK?

 Well a stock is an ownership share of a company also known as equity share. Shares represent a fraction of ownership in a business. There are different types of shares, Common stock and Preferred Stock. A Common stock carries voting rights that can be exercised in voting decisions. A Preferred stock has no voting rights but dividends are paid to these shareholders first.

There are two ways you can make money with a stock,

1. DIVIDEND- When a publicly owned company is profitable they can choose to distribute some of those earnings to the shareholders by paying a dividend. The shareholder can decide to take the dividend in cash or re-invest in more stocks.

2.  CAPITAL GAIN- Stocks are bought and sold constantly throughout each day, and process change all the time. When a stock price goes higher than what you paid for, you can sell you share at a profit. This is known as capital gain.

THE STOCK MARKET

 The Stock Market is where stock brokers and investors buy and sell stocks, bonds, and securities. The Stock Exchange also provides companies with the facility to raise capital for expansion through selling of shares to the investing public.

The top five exchanges worldwide are,

1. New York Stock Exchange

2. Nada OMX Group

3. London Stock Exchange

4. Tokyo Stock Exchange

5. Honk Kong Stock Exchange

 Each Exchange has different requirements that allow companies to be listed and traded there. For example for a company to be able to be listed with the New York Stock Exchange, a company must have issued at least a million shares of stock worth $100 million and must have earned more than $10 million over the last three years. Each exchange has different requirements thus allowing different companies to be listed and traded within their spectrum.

HOW TO MAKE MONEY

 To buy and sell stock, you usually need to have an account at a brokerage firm, also known as a broker-dealer, and give orders to a stockbroker at the firm who will execute those instructions on your behalf.

You can place buy and sell orders over the phone with your broker or you can trade stocks online.
Full-service brokerage firms provide research as well as trade executions and may offer customized portfolio management, investment advice, financial planning, banking privileges, and other services. Discount firms offer fewer services but, as their name implies, generally charge less to execute the orders you place. The trick is to find the balance that's right for you.

Many investors can trade online now, and many websites provide with all the research that a full time broker can provide. All you need is time and know what to research for. Some of these websites are,

1. E*TRADE- A minimum $1,000 startup deposit, $9.99 for every transaction you make and if you open an account with $10,000 they will give you $500.00.

2. SCOTTRADE- A minimum $500 startup deposit, $7 per trade for stocks prices over $1. If you are new in the investment game I recommend this one, you don’t need a lot of money to start up with and with the research they offer you can never go wrong. 

3. FIDELITY- A minimum of $2,500 startup deposit, $7.95 per trade commission.

4. TD AMERITRADE- A minimum of $2,000 startup deposit, $9.99 per trade commission.

WAYS TO TRADE

SCALPING

 Scalping involves stock trading that seeks to profit from quick moves in stock prices, usually seconds or minutes. Most of these moves occur in the morning hours, so a scalper must be available to trade during this time period without distractions.

DAY TRADING

  Day Trading involves stock trading that seeks to profit from stock price movements that occur during a single day. Day Traders do not hold positions overnight. Day Trading is commonly used based on microeconomic news that becomes available such as retail sales reports or company earnings news. Strict stop losses must also be used to prevent greater losses than expected to be successful. A problem that occurs with Scalping or Day Trading is that once you have a profit on a trade, it is common to leave it alone and expect it to keep going.

SWING TRADING

   Swing trading involves stock trading that seeks to profit from stock price movements that occur over several days or months at a time. Swing Trading involves using technical analysis and/or fundamental analysis to forecast future price movements. Swing Trading is much better suited for someone who only has time to do research in the evenings or a small part of the day.

LONG TERM BUY AND HOLD INVESTING

   Long term buy and hold investing involves stock trading or investing for someone who is willing to wait months or years for a potential profit. Typically this style of investing involves looking for undervalued companies; improperly valued companies; buying stocks based on macroeconomic outlooks; and people who don't want to watch their investments daily- as compared to Scalping, Day Trading and Swing Trading which all require closely monitoring any positions. There is the least amount of stress in this type of trading, although there is still stress. When the stock market is in a bear market, whether short term or long term, this type of investing is just as stressful to the Long Term Investor as any other type.

   

 Many Scalpers and Day traders will trade penny stocks as their price will rise or drop faster.

 If you want to have the perfect portfolio here is an article you can read to have a better understanding, THE PERFECT STOCK PORTFOLIO.

 I hope some of you guys start thinking of ways to make money, remember investing in stocks is a great and fun way, but be smart and don't let your emotions take the best of you. Do your research and take your time. If you are new at trading take a month and play with THE STOCK MARKET GAME, they will give you $100,000 virtual money for an online portfolio. Play with your friends and see who made the most money in a month, and then get in the real game with your real money.

WHO WILL BE THE NEXT WARREN BUFFET? MAYBE YOU

 

 

WHAT IS CREDIT

WHAT IS CREDIT?

Many young Americans are not taught about credit. We get a credit card in college and go on a spending spree, take out that student loan, and car note. This is called debt and will affect your credit score overall. But overall it depends on the person; if they’re smart with their money and pay their bills on time, it will help. But if they are money spenders, don’t have a plan before taking out a loan or getting a credit card, it will affect you in the future when you want to buy that house.

Credit is your life, it’s your number. Some people take their credit serious, while many of us young Americans don't. A credit score in the United States is a number representing the creditworthiness of a person, basically what are the odds that person will pay their debt or not.

Credit is broken in a FICO (Fair Isaac Corporation) score; this is what banks and other institutions use to make lending decisions. The higher you FICO score the better the interest rate and higher the loan amount. A FICO score is ranged between 300 and 850. The median score for 2012 is 664.

Here is a graph on how each state is doing as of November 30, 2012

 

HOW IS YOUR SCORE ASSESSED?

-35%: Payment history– If you pay your bills late, such as credit cards, mortgage, and automobile loans this will drop your FICO score.

-30% Credit utilization (DEBT) - This is the ratio of your current revolving debt, installment debt and open debt revolving debt is when the creditor allows you to pay a minimum balance, you as the borrower have the option to pay the minimum or pay it in full. If you pay the minimum you will have a revolving account. Installment debt is when you have a fixed payment for a fixed period of time. An auto loan is a good example as you’re usually making the same payments for 36, 48, or 60 months. An open debt is the least common type of debt. This is the type of debt that must be paid in full after every month. The American Green Express card is a good example.

-15% Length of credit history- The longer you maintain a good revolving account the more positive it impacts your credit score.

-10% Types of credit (Account diversity) - Do you have an installment, revolving, mortgage, or consumer finance (alternate way of getting credit i.e. Payday loans, rent to own loans, and car title loans).

-10% The search of new credit- A hard credit inquiry, which is when someone applies for credit cards, mortgage, auto loans, and personal loans all at the same time, can affect your credit. It can drop your score by up to five points per inquiry. Each inquiry is recorded in your personal credit report for two years but the effect decreases at the six month or one year mark.

A SOFT INQUIRY

1. When a consumer wants to check their own report

2. Employer screening inquiries

3. Insurance related inquiries

4. Utility related inquiries

 These types of inquiries have no effect against your credit score. So when you hear people say don’t check your score too much it will drop your score tell them read my blog.

 THREE CREDIT BUREAUS

 A credit bureau or consumer reporting agency is a company that collects various information; once all the information is collected it provides a consumer credit information or a credit report. Every country has its own credit bureau, and they do not report amongst each other. So if you have a perfect credit score in Canada and migrate to the United States and try to apply for credit, you will get denied for lack of credit history.

In the United States the Three major bureaus are Experian (FICO or FICO II), Equifax (BEACON), and Transunion (EMPRICA). You will never have the same score with all three bureaus. They all do the same gather information to ultimately create your credit score, but each bureau works with different regions making them more dominant in certain areas.

 

ONE THING YOU SHOULD KNOW

In the United States you are allowed to check your credit history once a year. The Fair Credit Reporting Act and its amendments require that any national credit reporting agency provide a free copy of a credit report for any consumer who requests it. A good website I recommend is www.anualcreditreport.com, if you own an IPhone I recommend a great app that I use all the time and it’s called Credit Karma(CREDIT KARMA APP DOWNLOAD)

What Not To Do Financially

WHEN IT WAS TOO LATE

  I joined the army owing nothing but student loans. a little over $12,000. Good old Salliemae. I was always the party type of guy. Didn't value my family nor my future. Imagine living in NYC always surrounded by people that always went to clubs or drank a lot. Sounds like a weak-minded individual HA.

 I had the perfect life at first, had the roof, the car, the wife and kid, even the dog. Enjoying ravishing summers, and spending money without thinking about next month's rent. That is what you call bad money management. If you guys are doing it please stop now, it is not a good feeling, once it comes back and bites you in the behind.

WHAT NOT TO DO

 Did you know that in a survey done last year 76% of Americans owed money to a credit card company, but only 50% of those Americans ever claimed they owed to a credit card company. Don't believe me well here is what The New York Times said about it Guess again.

  If you find yourself in a financial hiccup or maybe see yourself owing money and need to take out a loan, these are not the places to take a loan from.

PAYDAY LOANS

 A short term unsecured loan, or pay advance with high APR. If you borrow 100 dollars you'll have to pay back maybe 115 dollars. If you think that's fine imagine what the APR for that loan is. Yes 786%, now think twice on this. A young adult like me with impulse buying and not caring will take a loan like this, thinking to myself, I'll pay it next week. Then next week arrives and the bill has not been paid off. These loans can hurt if you let them sitting there for a long time. Here's a good article about payday loans if you're interested PAY DAY LOANS AND WHY ARE THEY BAD.

BAD CREDIT LOANS

 Some of us have seen ourselves taking out this loans, or even typing in Google search bar " bad credit loans ". Well once you hit that search bar you will have over 5,000 pages of different loans you can choose from. Your credit score is horrible and you need that loan. This is a better form of a loan than a payday loan but at the end of the day you are paying over 15% in interest rate, and a 21% APR. Now you have taken out a loan for $15,000 for that car, you decided to pay it off in 48 monthly installments, now that same loan of 15,000 just became $20,400. Yes a near $6,000 dollar difference.

This table shows the average monthly car payment on a 15,000 dollar car depending on your interest rate.

Interest Rate (% APR)	Monthly Payment	Total Interest Paid on loan in 48 months
4% (Good Credit)	$339	$1257
10%	$380	$3261
15%	$418	$5038
21% (Bad Credit)	$464	$7296

 
People let's just say budgeting is essential, and always try and save money to have a three to six month nest.

 

The Valley of the Shadow of the dead

As I promised I will be writing tonight. Well you guys have a little overview about my army life. I can not disclose where I am right now for opsec reasons and I can get in trouble, but lets just say its not in Fort Bragg.

I once went to church and the pastor said, I quote " The valley of the shadow of the death... Is a valley where all people  fall, once you reach the tip of the mountain, the only way is down. We all reach that valley, and that is where you'll learn your mistakes and will become wiser. Water forms from the tip of the mountain but settles in the valley ,where you'll drink from it. Quenching your thirst from dehydration. Once you have drank all the water you need, you will start your hike to the next mountain, and reach the top." I love this quote because it tells you that at one point of your life you will hit rock bottom. Only when we are in that ditch, is when we learn and become wiser. once you have the knowledge, you will pick yourself up and become successfull. some fall faster and some rise slower, its up to you, the hard work and dedication that you put into it will determine how fast you fall, or how slow you will rise. 

Being away from home sucks. Not being there with your wife and child is not a good feeling, especially if your wife has phobias. LOL she calls me telling me she can not sleep, because I am not home, and lets say my neighborhood isnt the prettiest of them all.

I had made many mistakes in my life financially, partying too much, not budgeting, impulse buying, signing contracts without looking at long term effects. Well you can name it,  I've done it. On top of it all we have like the worst luck in the world, almost a year my wife has been in Fort Bragg, looking for jobs, she can't even land a job at McDonald's. So I'm alone paying all the bills, and trying to make ends meet. As an E-4 in the Army its tough to maintain a family and another child from another woman. It is very difficult. I've attempted to look for a weekend job, man even a night job, but if you are in the Army you know about that 6am PT formation so working at night will be very hard. Weekends "get out of here" in an Italian accent, lol. In the Army you have a very unpredictable schedule. Many employers in Fayetteville know this and would not hire you, because a soldiers schedule is not flexible.

So my wife has been contacting everyone to help us, bring this family to a new beginning. But nothing is given for free, you have to work hard, have determination, and the motivation to pick yourself up and start a new life. I woke up this morning wanting to write about my life, about my mistakes and what I've learned throughout those mistakes.

 My wife moved hundreds of miles away from her life back at home, a great job with the board of education. She did it to be with her soldier, as many military spouses do. Going from being independent to depending on someone is a tough place to be in. She hates being home, despises it, but with her luck its just tough out there to land a job in the Fayetteville community, as she is competing with other spouses, and retired soldiers. I tell her everyday look for a job. Looking for a job is a fulltime job, as in you have to put in the time to find one. I can sometimes be nasty about it, but imagine waking up and thinking, will we have enough money to pay the rent. Having debt collectors call every two hours, will we have enough money for food. All of these can stress a person and make them just give up. Its not a good feeling trust me, I live it every day. So when i get nasty its because im so stressed of living with those thoughts.

Life is tough and only the best make it.

Thanks guys

Introduction to the life of a new soldier

Army of one,

Like i said i am a specialist in the United States Army. Kind of a bitter sweet relationship. this article is to tell you a little about me.

I joined the army in July of 2010 with the hopes of giving my two kids and wife a better future. went to basic training in Fort Benning, Georgia, and A.I.T (advance individual training)  in Fort Gordon, Georgia, even tried out for the RASP ( Ranger Assessment Selection Program ) which is in Fort Benning, Georgia. I didn't make it for a dumb mistake that bit me in the tush.( Alcohol is your worst enemy ). But yes I finally got to my unit in special operations in Fort Bragg, kind of ironic still stood in a Special Operations unit. Once i got kicked out of RASP that's when my bittersweet relationship came in. started being unmotivated to work out,didn't care about rank. Until i realized the more rank i have the more money i bring home to my wife and son, and pay support for my other son. I do have one deployment under my name. Went to Qatar and Kuwait  Kind of awesome seeing the middle east, and checking out the culture.

 I did what most 25 year old do, and that's party and drink, until i started noticing my financial life was going down a waterfall. Now i am trying to fix it but its too deep and i will continue to write articles of my journey to fix my financial life, and hopefully you guys will motivate me to pursue my army career.

Tonight I will write, what my wife has done so far to help and lets see if our road to succeed really succeeds, and hope you guys can sit and read about it.