Buying a car

Tips from an ex-salesman: (Redditor jakfrist explains how to buy a car.)

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BEFORE YOU BUY

• Browse without a salesman first. Get an idea for what you want. Do you want a small car, an SUV, a truck? Two rows, three rows? Automatic, manual? What special features do you want? Knowing what you want is the first step to finding the car you need. Go to a few dealerships at night or on Sundays. If you want to go during the day simply telling the salesman you don't need help might not be enough to get rid of them, telling them you have a car in service for an oil change usually works.
• Read Reviews. Once you have an idea what you like, looking online for reviews helps you to narrow down the field.
• LOOK ONLINE! Almost all dealerships put very good prices on the internet. They know that if you are looking at their website you are probably also looking at the dealership down the road. They must be competitive online to get you in the door.
• LOOK ONLINE!!! This will give you a good price point to start figuring out what you can afford. Don't get sucked into a car you can't afford by a good salesman. Find the car you want at the price you want and stick to it.
• Take a good test drive. When you go on a test drive feel the car, listen to the car, pay attention to the car. That hum that the salesman says you won't notice over the radio will be getting on your nerves 6 months from now. That rattle and bump, it's going to be a problem. This is even more important on a used car. Use everything you see, hear, and feel later in your negotiations.
• Try to find a car without add-ons. That Jeep with a lift kit, the sports car with an aftermarket spoiler, the truck with the big tires. The dealership adds this things on to add on to the price. This just makes it even harder to figure out exactly how much the car costs the dealer. These accessories are marked up excessively, so either look for a car without them or negotiate the accessories separately. (It will almost always cost you less to get the accessories put on afterward)
• Don't let them nickel and dime you. That $22,000 Truck you saw online, well now it has pinstripes ($300). VIN etched into the glass ($800). Fabric stain protectant ($500). Rust undercoating protectant ($900) and a spray in bed-liner ($1500). Now your 22,000 Truck is $26,000. Just like the accessories these are much less expensive done after you leave the dealership (even if you come back to have them done). Thanks /u/IvanTheTerrific

Obamacare

Note: This is a repost of a post made by a user named CaspianX2 regarding Obamacare that I came across while researching the implications it would have for State taxes that I need to understand for my own job. I was really impressed by how well he explains things while staying unpartisan about it.

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What people call "Obamacare" is actually the Patient Protection and Affordable Care Act (abbreviated to PPACA or ACA). However, people were calling it "Obamacare" before everyone even hammered out what it would be. It's a term that was, at first, mostly used by people who didn't like the PPACA, and it's become popularized in part because PPACA is a really long and awkward name, even when you turn it into an acronym like that. Barack Obama has since said that he actually likes the term "Obamacare" because, he says, "I do care".

Anyway, the PPACA made a bunch of new rules regarding health care, with the purpose of making health care more affordable for everyone. Opponents of the PPACA, on the other hand, feel that the rules it makes take away too many freedoms and force people (both individuals and businesses) to do things they shouldn't have to.

So what does it do? Well, here is everything, in the order of when it goes into effect (because some of it happens later than other parts of it):

(Note: Page numbers listed in citations are the page numbers within the PDF, not the page numbers of the document itself)

Public Speaking

Commonplace Books

Source: http://thoughtcatalog.com/2013/how-and-why-to-keep-a-commonplace-book/

What is a Commonplace book?

A commonplace book is a central resource or depository for ideas, quotes, anecdotes, observations and information you come across during your life and didactic pursuits. The purpose of the book is to record and organize these gems for later use in your life, in your business, in your writing, speaking or whatever it is that you do.

 

Some of the greatest men and women in history have kept these books. Marcus Aurelius kept one–which more or less became the Meditations. Petrarch kept one. Montaigne, who invented the essay, kept a handwritten compilation of sayings, maxims and quotations from literature and history that he felt were important. His earliest essays were little more than compilations of these thoughts. Thomas Jefferson kept one. Napoleon kept one. HL Mencken, who did so much for the English language, as his biographer put it, “methodically filled notebooks with incidents, recording straps of dialog and slang” and favorite bits from newspaper columns he liked. Bill Gates keeps one.

 

Not only did all these famous and great individuals do it. But so have common people throughout history. Our true understanding of the Civil War, for example, is a result of the spread of cheap diaries and notebooks that soldiers could record their thoughts in. Art of Manliness recently did an amazing post about the history of pocket notebooks. Some people have gone as far as to claim that Pinterest is a modern iteration of the commonplace book.

 

And if you still need a why–I’ll let this quote from Seneca answer it (which I got from my own reading and notes):

 

“We should hunt out the helpful pieces of teaching and the spirited and noble-minded sayings which are capable of immediate practical application–not far far-fetched or archaic expressions or extravagant metaphors and figures of speech–and learn them so well that words become works.”

Donnie Darko Website

Recently I stumbled across a website for the movie Donnie Darko. When I first saw the he movie it made a big impact with me, it was amazing and bizarre and thought provoking. The website is much the same, although in different ways. Here it is... Donnie Darko website

Personality Types

For some reason I've always found the concept of "Personality Types" very interesting.

Of course like most people I grew up with the concept of Introvert and Extrovert as a way of explaining peoples preference towards social interaction.

In High School I came across The Color Code by Dr. Taylor Hartman. The Color Code divides personalities into four "colors"

• Red (motivated by power)
• Blue (motivated by intimacy)
• White (motivated by peace)
• Yellow (motivated by fun)

I'm a natural White but through experience have some shadings of Blue and even a little Red and Yellow depending on the situation I'm imagining myself in when I take the test (such as being out with friends).

You can learn more about the Color Code and to test to find your color type go to http://www.colorcode.com/

Care and feeding of your standard Introvert

  

Definition of introverts
via Wikipedia:

 

Introverts are people whose energy tends to expand through reflection and dwindle during interaction. They often take pleasure in solitary activities such as reading, writing, music, drawing, tinkering, playing video games, watching movies and plays, and using computers.  The archetypal artist, writer, sculptor, engineer, composer, and inventor are all highly introverted. An introvert is likely to enjoy time spent alone and find less reward in time spent with large groups of people. They prefer to concentrate on a single activity at a time and like to observe situations before they participate. Introverts are easily overwhelmed by too much stimulation from social gatherings and engagement. They are more analytical before speaking.
Introversion is not the same as being shy or being a social outcast. Introverts prefer solitary activities over social ones, whereas shy people (who may be extraverts at heart) avoid social encounters out of fear, and the social outcast has little choice in the matter of his or her solitude.

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Great list of myths about introverts 
via Carl King Creative:
 

Myth #1 – Introverts don’t like to talk.