• entry
    1
  • comments
    1,352
  • views
    2,074

My road to success (Moving Update 2)

12 12
uchiha101

26,671 views

This thread will be about my journey to the million dollar comic and the struggles, failures and successes that come with it since many boardies requested it I will not longer post my transactions but try what revat said :). I also have a bunch of inspirational people two of them being Walt Disney and Steve Jobs because I want to be the next rags to riches story not to the degree of Steve Jobs or Walt Disney but I want to make a million dollars buying and selling a comic and making enough money with this venture to never again say I can't afford something :)

 

Thoughts and plans

Sell my comics

Sell IH 180 CGC 5.0

 

Milestones I want to reach

Get my first four figure sale

 

To see old comments for this Journal entry, click here. New comments can be added below.

12 12


1,352 Comments


Recommended Comments



13 hours ago, newshane said:

No job. No paycheck. How, precisely, do you pay taxes? 

I have lots to say, but everything would be either mean, pointless (because you know more than ANYONE else), or both. 

At that time I had a job and for 10 months I was working for myself buying and selling comic books and video games

Share this comment


Link to comment
13 hours ago, DeadOne said:

I blame the bank that issued you that credit card... unless you lied or exaggerated on your cc application.

I didn't lie or exaggerate about anything. As soon as they saw me getting an income again to my account they offered me a credit card because they said I was eligible for one. Before I even did anything I asked to see all the terms and conditions and I read them over. After I read them over I agreed and signed for it.

Share this comment


Link to comment
12 hours ago, newshane said:

Really? I blame the guy who entered into a financial contract by signing papers which stated that he was responsible for paying money back with interest. I blame the guy who has no understanding of compounding interest or personal responsibility or simple pride. I blame the guy who feels he's entitled to make demands of his creditors, instead of understanding that it's his own fault that he cannot pay back his loans. I blame the guy who is choosing not to follow through. 

The money on his credit card WAS NOT HIS money. It was the banks. He is outright refusing to pay off his debt because he's unhappy they refused some sort of settlement. 

Of all the things in his journal, this action is perhaps his most offensive, in my eyes. 

The business world runs on credit and the responsible repayment of loans. He is willingly destroying his own credit rating, seemingly oblivious that he is concurrently ruining his own ability to obtain one of his goals - his own business. 

 

Let me clear some things up for you. I read all the terms and conditions, I am and was aware at the time of interest and all other associated charges with the credit card itself. Pride isn't something I shoot for. Also, you can make negotiations with your creditors and that's what you should be doing. Here's another correction for you friend, I said I'm not paying off that debt till I AM ready. Nothing more or less was said so don't put words in my mouth.

 

Share this comment


Link to comment
10 hours ago, DeadOne said:

I'm not saying that Gabe is completely blameless, but predatory lending is a real thing.
I highly doubt that he could have taken whatever application he filled out to obtain that credit card to an actual branch office and received the same line of credit.

No current income, no history of sustained work, limited or no savings... sounds like a good candidate for a credit card.

The thing is at the time I had a job for myself that's why I was offered such a thing. They even offered to max out my credit limit to if I wanted

Share this comment


Link to comment
6 hours ago, oakman29 said:

Amen to that! How is it possible for an out of work , wanna be get a credit card?

At that time I had a job and for 10 months I was working for myself buying and selling comic books and video games

Share this comment


Link to comment
9 hours ago, AJD said:

I dropped in here hoping for a better outcome. IIRC, one of the few pieces of advice I offered was to cut up that credit card when it arrived.

Good luck and good bye.

Sounds like everyone wanted a better outcome. Also, you don't need to announce or bring attention to the fact that you're leaving just do it.

Share this comment


Link to comment
4 hours ago, uchiha101 said:

At that time I had a job and for 10 months I was working for myself buying and selling comic books and video games

Dude I really feel for you to be honest.

After reading through all of your life ventures and choices. I  really feel that at the core of your situation that your parents had failed you.

Failed as in teaching you how to be a good person, responsible, hard working, but most importantly to teach you right from wrong, and humility. 

Your road through life is going to be paved with some big potholes if you don't man up and take responsibility for your actions.

I am very sorry for you.

Share this comment


Link to comment
18 minutes ago, oakman29 said:

Dude I really feel for you to be honest.

After reading through all of your life ventures and choices. I  really feel that at the core of your situation that your parents had failed you.

Failed as in teaching you how to be a good person, responsible, hard working, but most importantly to teach you right from wrong, and humility. 

Your road through life is going to be paved with some big potholes if you don't man up and take responsibility for your actions.

I am very sorry for you.

Oak, I agree with you. I think there is some sort of parental failure here but it would also be a disservice to blame it all on the parents.  There are lots of people with crappy parents. Who knows, maybe, in some ways, the "system" has also failed him. 

There are clearly behavioural and cognitive issues at play here (I mean his FB posts, his posts here, etc.) are clear indicators - To me, they are way beyond your "stereotypical millennial". Many, many people here have provided sound advice, which he ignores or, if he really doesn't like what you are saying, becomes aggressive/combative - I suspect that plays a big part in him counselling and employment woes. 

Bottom line, I think there is a whole whack of things going on with Gabe. All of which circle back to the need to focus on self-help (possibly medication), developing basic life skills (personal hygiene/self care, work skills and personal finances to start) and not crypto currency and comics. Everyone needs a hobby, but when they are detrimental to your overall personal well-being, you need to re-think your life.

Share this comment


Link to comment
1 hour ago, oakman29 said:

Dude I really feel for you to be honest.

After reading through all of your life ventures and choices. I  really feel that at the core of your situation that your parents had failed you.

Failed as in teaching you how to be a good person, responsible, hard working, but most importantly to teach you right from wrong, and humility. 

Your road through life is going to be paved with some big potholes if you don't man up and take responsibility for your actions.

I am very sorry for you.

Being a good person, responsible? hard working? Explain to me what all that means to you and I'll answer back.

Share this comment


Link to comment
On 12/15/2018 at 1:37 AM, uchiha101 said:

The banks as far as I'm concerned can :censored: off.

...so I gave up and I'm not paying it off until I AM ready to do so. They did me this disfavor so now it will be their turn to wait...

 

 

5 hours ago, uchiha101 said:

Nothing more or less was said so don't put words in my mouth.

 

No one is putting words in your mouth. With declarative statements like the ones above, it's unnecessary. 

Go ahead. Show them how tough you are. In the meantime, compounding interest is building up with each day you wait. 

If you can't pay it off now, how will you do so in the future? 

Looks like your road is leading to bankruptcy instead of success. 

You have taken someone's money without paying them back. That's called theft where I'm from. Good luck starting and running a business with your present attitude. 

 

Edited by newshane

Share this comment


Link to comment
29 minutes ago, uchiha101 said:

Being a good person, responsible? hard working? Explain to me what all that means to you and I'll answer back.

Good person? Follow your word and your business contracts. 

Responsible? Pay your debts, move out of your mom's basement, pay your own rent and your own monthly bills. Stop blaming your failures on other people, or your medical conditions. I know plenty of people who face much greater struggles than you do, and they get up out of bed every morning and go to a job they hate so they can pay their own way. It's called LIFE. A responsible person wouldn't blame their debt on the bank. A responsible person would take the blame for overspending and their subsequent inability to pay it off. 

Hard working? That one's easy. Get a real job...and keep it. 

We've been telling you this for years and you never listen. If anything, you've grown worse by an order of magnitude. 

You don't understand that the "road to success" is built on HARD WORK. Seems like you want to take shortcuts, like dabbling here and there in cryptocurrency and comic book deals. 

I don't respect anyone who can't live up to a financial obligation. And you want to start a business? SMH

What's going to happen when you go in for a business loan and they pull your score? Or they do a little bit of research and find out that you basically told a bank to :censored: off? 

You're destroying your life and you refuse to listen to anyone. 

as for the boards...let the schadenfreude continue...

:whatev: 

 

Share this comment


Link to comment

You say you are inspired by Disney and Jobs. 

What on earth would they have thought after reading your story and attitude? 

Share this comment


Link to comment

"They did me this disfavor..." 

Really? They did you a disfavor by lending you money? lol 

How about the disfavor you are doing them by refusing to pay back their money? 

Unbelievable. 

Share this comment


Link to comment
1 hour ago, Wall-Crawler said:

Oak, I agree with you. I think there is some sort of parental failure here but it would also be a disservice to blame it all on the parents.  There are lots of people with crappy parents. Who knows, maybe, in some ways, the "system" has also failed him. 

There are clearly behavioural and cognitive issues at play here (I mean his FB posts, his posts here, etc.) are clear indicators - To me, they are way beyond your "stereotypical millennial". Many, many people here have provided sound advice, which he ignores or, if he really doesn't like what you are saying, becomes aggressive/combative - I suspect that plays a big part in him counselling and employment woes. 

Bottom line, I think there is a whole whack of things going on with Gabe. All of which circle back to the need to focus on self-help (possibly medication), developing basic life skills (personal hygiene/self care, work skills and personal finances to start) and not crypto currency and comics. Everyone needs a hobby, but when they are detrimental to your overall personal well-being, you need to re-think your life.

I completely agree with you.110%

Share this comment


Link to comment
24 minutes ago, newshane said:

Good person? Follow your word and your business contracts. 

Responsible? Pay your debts, move out of your mom's basement, pay your own rent and your own monthly bills. Stop blaming your failures on other people, or your medical conditions. I know plenty of people who face much greater struggles than you do, and they get up out of bed every morning and go to a job they hate so they can pay their own way. It's called LIFE. A responsible person wouldn't blame their debt on the bank. A responsible person would take the blame for overspending and their subsequent inability to pay it off. 

Hard working? That one's easy. Get a real job...and keep it. 

We've been telling you this for years and you never listen. If anything, you've grown worse by an order of magnitude. 

You don't understand that the "road to success" is built on HARD WORK. Seems like you want to take shortcuts, like dabbling here and there in cryptocurrency and comic book deals. 

I don't respect anyone who can't live up to a financial obligation. And you want to start a business? SMH

What's going to happen when you go in for a business loan and they pull your score? Or they do a little bit of research and find out that you basically told a bank to :censored: off? 

You're destroying your life and you refuse to listen to anyone. 

as for the boards...let the schadenfreude continue...

:whatev: 

 

Well said.

Share this comment


Link to comment
32 minutes ago, newshane said:

You say you are inspired by Disney and Jobs. 

What on earth would they have thought after reading your story and attitude? 

That's a good one! 

Disney and Steve Jobs didn't just happen to build a company out of nothing. It took many years and hard work to achieve what they had done.

You have to earn your stripes in life, they don't just happen.

You build a lifetime of respect, trust, and honor.

It's a very precious thing at least to me. Everybody from my wife and kids, co workers, customers I take care of,  the bank, and yes to the members of this board. I tell them the truth, and I always take care of my obligations. 

 

Share this comment


Link to comment
On 12/15/2018 at 11:13 AM, uchiha101 said:

I am more than happy to take responsibility for things and mistakes I've made so again go READ that.

I wouldn't screw anyone over....

 

hm

Share this comment


Link to comment

I've given pages and pages of advice in the old thread to fall mostly on deaf ears, but there is literally ONE WAY out of this, and the OP is lucky to even have that option, given that he's living at home.

Step 1: Find a job, any job.

Step 2:  Make a VERY SPECIFIC monthly budget. Stop ANY spending of money that isn't for food, rent, internet.  No gf, no friends, UNLESS you have a specific 'fun budget' every month.  Budget an amount that you're saving for school in the future (any SCHOOL.  Community college, trade school, etc)

STep 3:  Budget your time. I get that you like video games, limit it to 1hr a day AT MOST.  The rest of the time should be spent on things that make you better/smarter.  That means working out/exercising (no gym memberships for you), reading (anything but comics), cooking/eating healthy AT HOME, and finding something you want to study. You can budget in some tv time too (just online shows that you can watch for free, no additional cost).  At MOST, 2hrs time spent with friends on the weekends per week.  And 1/2 hr chatting w/gf (ideally you'd break up) per week.

Step 4:  When you've saved enough, start going to school part time (preferably for a practical trade).  Yes it will take longer if you're still working, and that sucks, but people do it all the time and it HAS to be done.

Step 5:  Get a mentor, someone a little older (20 years or less) who has 'made it,' that you can trust, who can give you some basic directional guidance.

Step 6:  Humble yourself and DO NOT COMPARE YOURSELF TO ANY PERSON FOR ANY REASON, and STOP BELIEVING THAT YOU DESERVE ANYTHING (you might, you might not), but IT DOESN'T MATTER.  STOP BLAMING OTHERS (you might be right, you might not be), BUT IT DOESN'T MATTER. 

 

I get it, not every one needs to go to school, plenty of people do fine without it, maybe even people you know.  BUT you seem aware enough to realize by now that some things that come naturally to others will probably have to be taught to you.  And there's nothing wrong with that, but you've got to put in the work, and you may not think that's fair, but that DOESN'T MATTER ANY MORE.  Lots of people wouldn't be successful without school, even if they struggle, even if/when its tough.  Its not always about the specific things you learn (though often it is), but its about learning how to and proving to yourself you can meet deadlines and show up for class, and take criticism, and work in teams, etc.  These are things that it sounds like you still have room for improvement.  There's just been no evidence that you have the natural business sense to make it without school or additional training.

Your situation is extremely dire, and it will take an EXTREME solution to right the ship.  There will always be investment opportunities in the future, when you've really established yourself. 

 

 

Share this comment


Link to comment
On 12/15/2018 at 2:37 AM, uchiha101 said:

I still do and also the banks. The banks as far as I'm concerned can :censored: off. I tried my best to pay off that credit card debt, I called, I tried to negotiate and work out terms. They didn't listen and they kept piling on 100 bucks, 75 bucks every few days so I gave up and I'm not paying it off until I AM ready to do so. They did me this disfavor so now it will be their turn to wait and yes I'm aware of what will happen to my credit score.

download.jpeg.85919d471955d5edcf3ca2300920dcac.jpeg

 

But really... Are you clear on the fact that you not paying doesn't hurt them at all (they are huge insured billion dollar Corp), but it does hurt you right?

And it sounds like you looked on line to figure out these big charges, but did you talk to someone about them? They can see more info than you and could tell you where the charges were coming from. Did you call or go to a branch?

Also remember when you talk about "breaking even" to factor in the time lost, and salary lost when spending time in cryptocurrency or comics. If you spent 6 months and "broke even" you really lost cause you have to factor in whatever you could have earned during that time.... 

Share this comment


Link to comment
17 hours ago, miraclemet said:
On ‎12‎/‎14‎/‎2018 at 11:37 PM, uchiha101 said:

I still do and also the banks. The banks as far as I'm concerned can :censored: off. I tried my best to pay off that credit card debt, I called, I tried to negotiate and work out terms. They didn't listen and they kept piling on 100 bucks, 75 bucks every few days so I gave up and I'm not paying it off until I AM ready to do so. They did me this disfavor so now it will be their turn to wait and yes I'm aware of what will happen to my credit score.

download.jpeg.85919d471955d5edcf3ca2300920dcac.jpeg

 

But really... Are you clear on the fact that you not paying doesn't hurt them at all (they are huge insured billion dollar Corp), but it does hurt you right?

And it sounds like you looked on line to figure out these big charges, but did you talk to someone about them? They can see more info than you and could tell you where the charges were coming from. Did you call or go to a branch?

Also remember when you talk about "breaking even" to factor in the time lost, and salary lost when spending time in cryptocurrency or comics. If you spent 6 months and "broke even" you really lost cause you have to factor in whatever you could have earned during that time.... 

That's ok, sure I'm landlords don't do credit checks in the event he ever wants to move.

That's ok, I'm sure most employers don't do credit checks in the event he ever wants a better (or any) job.

That's ok, I'm sure that even in the highly unlikely event he finds some success in business and wants to get a business loan from a bank they won't do credit checks either.

 

In unrelated news, I was under the impression that Canada was relatively low-cost when it comes to public education, how much is junior/community college (or the Canadian equivalent), and do they teach trades there (mechanical, plumbing, clerical, nursing, fixing stuff, carpentry, medical assistants)?  Because in America, despite the high cost of SOME colleges and universities, MOST city/junior/community colleges are fairly cheap (though its relative, and I get people still need to work to pay for classes) for local residents, and have a decent financial aid available (assuming you haven't blown your credit to S--T).  I don't see why Canada would be more expensive for this. 

If someone was young and single and living with their parents, I think its pretty doable.  Even if its 4-5 years because you're working at the same time, you give yourself a chance at a real future.

 

 

Edited by revat

Share this comment


Link to comment
18 hours ago, revat said:

I was under the impression that Canada was relatively low-cost when it comes to public education, how much is junior/community college (or the Canadian equivalent), and do they teach trades there (mechanical, plumbing, clerical, nursing, fixing stuff, carpentry, medical assistants)? 

Yes, our colleges teach trades here in Canada :smile:

https://www.ontariocolleges.ca/en/apply/skilled-trades

It has been a long time since I have been to university, but according to "Dr. Google" the average cost of tuition for one academic year in an Ontario college program: Diploma Programs - $2,400. Graduate Certificate Programs - $3,600. Bachelor's Degree Programs - $6,100 

Those above figures sound "in the ballpark", but do not take into account cost of living, books, etc.

Share this comment


Link to comment
On 12/17/2018 at 9:59 AM, comicdonna said:

I'll give it a shot.  Not that it will do any good.  Seems you are still living with your parents, you have an opportunity to put money away and work on being self sufficient.   Get a full time job.  Pay all of your bills on time.  Save every penny that you can.  This means no comic purchases or any other non necessities.  When you have enough to secure your own place, do so.  Don't quit the job until you have secured a better one.  After you have your own place and ample amount of money saved for bills, food, ect... you can purchase a few comics.  Don't sell them right away.  Put them away.  Be sure not to use money out of the savings account.  When you have a healthy inventory of comics, you could sell some/all and buy a real nice book.  Always have a full time job.  Once you have done this, I will show you chapter 2.  

I am working on all those things but you choose not to see it. Also, I consider comic books an investment and would only spend what I can afford.

Share this comment


Link to comment
On 12/17/2018 at 10:09 AM, newshane said:

 

No one is putting words in your mouth. With declarative statements like the ones above, it's unnecessary. 

Go ahead. Show them how tough you are. In the meantime, compounding interest is building up with each day you wait. 

If you can't pay it off now, how will you do so in the future? 

Looks like your road is leading to bankruptcy instead of success. 

You have taken someone's money without paying them back. That's called theft where I'm from. Good luck starting and running a business with your present attitude. 

 

You are putting words into my mouth, you and other boardies. I explained myself many times yet you keep asking the same questions over and over.

Share this comment


Link to comment
Just now, uchiha101 said:

You are putting words into my mouth, you and other boardies. I explained myself many times yet you keep asking the same questions over and over.

No one is putting words in your mouth. 

You said you aren't paying the bank until YOU get ready to do so.

No? 

You told them to f-off. 

No? 

It doesn't work that way, no matter how you try to spin it. 

Share this comment


Link to comment

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now