Smart ForTwo 453 Cabrio Prime Review and must do mods!

This 6’9″ rural suburban car guy bought a Smart ForTwo 453 cabrio- and when he bought it he realized there wasn’t a lot of great reviews of owners.

Let me talk about what I love- and what I don’t love- about owning and driving the smart cabrio! I also share the specific mods I did. Sure its a few less mods than some of my other vehicles, but there’s definitely a couple cheap must to mods to this car!

So enjoy the review, enjoy the smart, and if you are interested in any of the same mods I did, check them out here:

17 Smart ForTwo Mods and Accessories:

NOTE: No company incentivized me or paid me to recommend their products or to choose these products. I chose each of these on my own accord because I believed they were the best product at the best price to fulfill my needs. HOWEVER, some companies such as amazon do offer referral commissions if you purchase from those links. While that commission did not impact any of my modification decisions, I do want to fully disclose this. Other pages, such as Ebay do NOT offer commissions and links are offered as a convenience to my visitors!

my Towing and Hauling Mods for my F-150

There’s lots of discussions around the best towing and hauling setups, and as someone who is both a professional in the auto industry and a heavy towing and hauling user, I wanted to sharing my setup for towing and hauling with my 2017 Ford F-150.

In the video I do say I max out towing and hauling. While I get right near max payload for hauling, TECHNICALLY you can get heavier in the trailer. However, with kids in the car, and keeping approx 10% trailer weight on the tow hitch, I hit max payload when pulling a trailer as well.

Setup is on a 2017 F-150 Max tow Lariat with 3.5L Eco Boost.

Here’s the gear:

 

Interested in learning more about the Honda Pioneer 500 setup or the Coachman 2963 BH Setups I’m running? If so, check them out here:

Coachman Spirit 2963 Review and Necessary Mods
Honda Pioneer 500 / 520 review Mods

Honda Pioneer 500 / 520 review and over 50 must do mods on a budget!

There weren’t a lot of great reviews or mod lists out there for the P500 when I was shopping, so after I’ve owned mine for a year, I wanted to make sure I gave a great rundown. In addition, I’ve had a hard time tracking down a lot of the info online.

I’m 6’9″, Offroad, use for farm use, transport people, and participate in parades. The P500 is great for all those uses, and at a wonderful price as well. The compact size creates few limitations, but really opens the door to do things that you can’t do in other UTVs- like attack 50″ ATV trails and haul it in the back of a regular pickup truck. Let me show you all of these!

While its great out of the package, there’s also some key mods that are relatively cheap but have a HUGE impact, from increasing storage to protecting you from the elements.

Details on the modifications discussed in this video are available here:

Modifications:

Emergency Kit Items:

My recommendation for emergency kit is to go jump on Temu and add a bunch of small things you will need including some of the following, then get the other items you need at amazon, walmart, or a dealership. Here’s most of my emergency kit:

1- Tool Kit (Pliers, wrenches, screw drivers) (Bought at Menards)
2- Tire repair Kit (Bought at Menards)
3- Tire Plug (Bought at Menards)
4- Coolant (Dealership)
5- Hose Clamps (Bought at Menards, also on Temu)
6- Zip Ties (Bought at Menards)
7- Gloves (Bought at Menards)
8- Towels (Bought at Menards)
9- Fuses (Temu)
10- Spare wire (Multiple gauges) (Found around house)
11- spare ratchet straps (Bought at Menards)
12- twine (Bought at Menards)
13- Spare Valve Stems (Temu)
14- Spare spark plug – https://amzn.to/3qkdmNY
15- Coolant stopleak tabs- https://amzn.to/3QzWYng
16- spare oil (Dealership)
17- JB Weld- https://amzn.to/3QAn0GO
18- First Aid Kit (Bought at Walmart)
19- Tourniquet (Temu)
20- Electrical Tape (Had laying around, also on Temu)
21- Safety Vest  (Came with jumper cables, also on Temu)
22- Jumper Cables (Bought at Menards)
23- Shovel- https://amzn.to/45m0yoR
24- Tow Strap- https://amzn.to/45mPJmz
25- Air Compressor- Older version of https://amzn.to/3KAC1EB
26- Flashlight (Had one laying around, also on Temu)
27- Spare batteries for Winch remote (Ebay)
28- Poncho (Had one laying around, also on Temu)
29- Tire Slime – https://amzn.to/3DSx2vy
30- Self Sealing Hose Wrap – Bought on Temu, but like this: https://amzn.to/445hA9X

NOTE: No company incentivized me or paid me to recommend their products or to choose these products. I chose each of these on my own accord because I believed they were the best product at the best price to fulfill my needs. HOWEVER, some companies such as amazon do offer referral commissions if you purchase from those links. While that commission did not impact any of my modification decisions, I do want to fully disclose this. Other pages, such as EMP do NOT offer commissions and links are offered as a convenience to my visitors!

Ho Ho Ho, Merry Tax Time?

Every year, I am a little astonished that “tax time” for most people is February, March, or April.

With an exception of a few things like IRAs… December 31st is the last day you can do things that impact taxes. Its the last day to buy things, transfer things, create entities, buy bonds, sell stocks, transfer accounts,  reappraisals, open HSAs, etc.

And for that reason, I take a couple days in December to do my taxes. Sure, I don’t have my final 1099s, 1098s, W2s, and all my other tax forms… but I have enough to have a pretty good idea how things are going to land… and because I know how they are going to land, I don’t have to be a victim when tax time comes around.

Taxes aren’t something that happens to us- they are an outcome of our choices and financial experiences throughout the year- and if you have a clear picture of what that is as you wrap up the year, you can make decisions at the end of the year to end up precisely where you want to be.

So while this is a festive time of the year where we often think about spending- its not a bad time to use one of those vacation days to take run your financials and see if there’s any great last minute moves you can make to put you in a better place in February- maybe you got a little more depreciation than you expected, some stocks could use a rebalance, or its a good time to convert some of your IRA to Roth- it may actually give you a good reason to be a little more merry during the traditional tax season!

Side Distraction- RV Life. Review and Necessary Modifications/Improvements to the Coachmen Spirit 2963BH

I like to fix things I buy as soon as I get them so that I can enjoy them without constantly fixing and modifying things. This spurred my “50 mods in 50 days” challenge on the Coachmen Spirit 2963 BH. I ended up doing 55 modifications!  I went overboard I guess!

I’m not including all the fixings (tightening bolts and screws, etc) that come with a new camper. For those new to RVing, you should know that every RV has a lot of missing, faulty screws, and pieces that need to be repaired even when new due to the mass-manufacturing process.

I do want to share a little bit about my ethos though- I am very much a VALUE minded buyer, so I always look for things that generate the most benefit for the lowest cost. That does not mean I buy the cheapest every time, but rather I try to balance quality, efficacy, and cost. That does mean on places where the benefit is “small”, I may go cheaper, but where quality is “essential”, I spend a little more. Each item below was very very deliberate in its selection based on this ethos.

Download the below printable list with pictures here!

  1. Adding a puck light to rear storage. If I didn’t have this one laying around the house already, I would have bought the better one I used below in the other compartment. This is the one I used, not sure if it’s the one I’d buy: https://amzn.to/38w033G
  2. Moving the bunk lock so it locks easier
  3. The not-at-all-exciting Mud Dauber protection devices (Water heater): https://amzn.to/3LnojDA I’m only using this one for storage because you can’t open the hot water heater with it installed.
  4. Mud dauber protection for for furnace connection. This one is both more imperative AND you can leave it on year round0 https://amzn.to/3LnojDA .
  5. Replacing the only cheap-looking-thing in the camper, the 1980’s bathroom faucet. EASIEST faucet replacement I ever had in my life and looks 10x better. – https://www.ebay.com/itm/301098244643
  6. Added a new circuit for the outside fridge (Keep it from spoiling food when the GFCI trips). It also adds the separate circuit needed for the fireplace added later, and allows the fridge to be shut off when desired (like over winter). – Readily available in hardware stores, oddly unavailable to find the right one online.
  7. Connected the TV to the Jensen stereo, so we can use the stereo speakers inside AND outside…. No more missing the details of the big game because I run outside. – https://amzn.to/3vKy345
  8. Added a TV with DVD player on a swivel in the master bedroom. TV: https://amzn.to/3xXb6NJ, Locking RV Mount: https://amzn.to/3KkRtBS
  9. Mounted (and routed the cabling) for a bluray player. Really frustrated they eliminated the DVD players from the 2963… but at least I now have bluray. https://amzn.to/38sW7AC I did need a right angle HDMI adapter: https://amzn.to/38sSzhC
  10. Not much of a mod, but added a nice 30a to 15a adapter so we have electricity at home. https://amzn.to/3kiH3Z0 I also won’t count this as a mod because its more of an accessory, but get a circuit tester and surge protector. They are cheap and too many friends and families have fried their campers even at reputable parks: https://amzn.to/37Hd8al
  11. Installed the level that came with the camper but wasn’t installed…
  12. Installed a RAS HD (roadmaster active suspension) on the haul vehicle. https://amzn.to/3vJYt6g
  13. SUBS. No bass at all for movies or music in these things, but I noticed a sub out on the Jensen. $0 and a few hours later, we’ve got amazing sound! Perfect spot for them behind the tv. I used a computer sub that was laying around at my neighbors house (thanks neighbor!) This is the perfect place behind the TV to hear it inside and outside, but only when you want it!
  14. Mopeka Propane tank monitors. Nothing worse than running out of propane in winter! – https://amzn.to/3F6Bx5v
  15. Faucet sprayer nozzle. Saw some others, but this one looks almost factory. Not as good as the 2020 pull downs, but at $12… A lot cheaper. https://amzn.to/3EU9buM
  16. Towel holder. Not exciting, but needs to be done. Put on this wall because the door hits it on the other wall
  17. Toilet paper holder.
  18. Insulation/light block for bedroom. Not sure how anyone lives without these! – https://amzn.to/3vhDys6
  19. 18×2… Insulation/light block for main cabin. – https://amzn.to/3vhDys6
  20. Door stop for pantry door. One of the few poor designs on these things.
  21. Put a switch on the subs. Sound great, but don’t want to bother the neighbors during a late night movie night! – https://amzn.to/37SC926
  22. Gel foam mattress topper. So far so good, but wanted to try before putting a new mattress in like we did on all our other campers. It works much better. Can’t find the one we bought to recommend it though.
  23. 50″ Fireplace! I think this is the one most people have been waiting for, and I think I’m the first to put a full length fireplace in the spirit… https://amzn.to/3KklYbd . Very happy with the price, quality, and install simplicity. I could have pushed it back another inch but didn’t.
  24. Child lock in main compartment – Did this on our first camper and it saves the day to keeping kiddos from getting out. https://amzn.to/3MAnO9g
  25. 2 doors = 2 child locks https://amzn.to/3MAnO9g
  26. Bug Zapper – Surprised how well these work. I bought mine at menards, but I can’t find it on their site. This looks like it works the same way: https://amzn.to/3EWbZYr
  27. Added a google chromecast to bedroom TV. Chromecasts permit streaming from phones using local network (via the king router) even if there is no internet access, such as downloading movies from phones! https://store.google.com/us/product/chromecast?pli=1&hl=en-US
  28. Added an Extra bathroom hook. https://amzn.to/3vPGFX8
  29. Hold downs for the aluminum blinds – https://amzn.to/38swcce
  30. Heater vent for the bunks (thanks Kevin!). Here is the collar you need for the heater: https://amzn.to/3MAMfUk . You don’t need a new vent if you put in a fireplace. Here’s the ducting I used- it comes with the clamps you need. https://amzn.to/3kfJRpK . I bought 25’, but I think 16’ is enough.
  31. Electric outlet in storage compartment. This is not the one I used because I had a spare from home construction. There is enough room to use a home-use bracket, but its easier to buy this all in one unit vs the home ones which cost almost the same because you have to buy 4 pieces separately: https://amzn.to/3KkYGlx
  32. Intranet wifi – https://amzn.to/3vmAgnA . I recommend this KING for a very good reason- It allows everything inside the camper to network WITHOUT external wifi, giving you an intranet you can use for streaming music, movies, or playing games and activities. Then when you get to a campground, one person (IE me) can enter the password to the king router and then all the devices inside the camper are connected to the wifi. In other words, you don’t have to reconnect devices at different parks! Huge savior! I tucked it behind the fridge.
  33. Water / protection shelves on storage compartments. This is one of the only products way cheaper in your local hardware store, but here’s a link anyway: https://amzn.to/3kjr2lC
  34. Haloview backup camera installed with furion adapter plate even though it was prewired for voyager?? Camera System: https://amzn.to/39moyRe Adapter Plate: https://amzn.to/3yd7SGn
  35. 12v outlet for tire pumps and tools – https://amzn.to/38ttrHR
  36. Motion detector light in storage compartment. There are one roe LEDs which are not nearly as bright. I recommend the 30 LED option: https://amzn.to/3kfL5Bl
  37. Haloview monitor in truck – https://amzn.to/39moyRe
  38. outdoor thermometer. The wire is annoying but it is what it is. I didn’t want wireless because of reliability year round. I don’t like a lot of “maintenance” items. https://amzn.to/39m62bI
  39. Extended wifi receiver behind fridge, right behind the plastic- much more effective! – https://amzn.to/38wPM7n
  40. Small outdoor TV next to the fridge
  41. Grill mount outside on bumper – https://amzn.to/38t1eRt
  42. Grill (This one is what I have but in stainless instead of black: https://amzn.to/38vjSry )
  43. Broom hanger inside closet
  44. Bumper Reinforcements: Some 2963bh have boxed frames like mine, some have I frames. This is supposed to be able to work with both. https://www.quickproducts1.com/product-p/qp-sbsbu.htm . Necessary if you are putting any weight on the rear bumper, as our bumpers are not weight rated.

45, 46, 47 -Rhino portable holding tank + wheel kit + Bumper Mount. AKA “Honey Pot” for bringing sewage to the dump site for longer stays. The 2963BH has TINY tanks, so this helps. Camco holding tank: https://amzn.to/3KoQJM2 . RV Tote Carrier for your rear bumper. BE SURE TO USE REAR BUMPER REINFORCEMENTS BEFORE INSTALLING!!! https://amzn.to/3kfTTXN . Honey Pot steering kit to make it easier to transport your rhino tote: https://amzn.to/3Kn2kvb

  1. Soap dispenser on wall of outside sink
  2. Insulation added to underside (spray foam) to close up all gaps and help in winter. This is cheaper in your local retail store, but there are a LOT of gaps for air, and also mice and bugs. Worth taking the time to do: https://amzn.to/3OGPATl
  3. “Window tinted” the heck out of the bedroom auto light so it still turns on all the time but it doesn’t wake me up at night. I used packing tape, but some day will replace with static cling window tint.
  4. Drilled a finger hole in the wood above the dining seats so you can open them more easily from the top
  5. Hook on the back of the door (command strip)
  6. Sealed up the gaps between the rear cabinets and the outside for both winter and bug prevention (It doesn’t look like it was a problem with the build, looks like its designed like that). I used clear caulk. Gaps were substantial here and bugs got in if I leave the ouside door open.
  7. Air Conditioner Repair: The Furion unit has the same problem as some other units on the market… It recycles cold air!!!! It was really bad. Thirty minutes later, i have much better ac. Here’s before and after and how I did it
    The problem: even when installed correctly, there are substantial air gaps on both sides of the warm/ cold divider. This is exasperated by the fact that the two sided tape and self sticking foam won’t hold.A secondary issue is that the output vents to your twice cooled ducts are partially blocked/tapes over. This tape can be torn back and retaped to improve airflow through your ceiling vents.
    The solution: take off the plastic cover (4 screws), then using aluminum HVAC tape, seal up the plastic divider as well as the massive gaps. I sealed from both sides to assure no airflow can pass the divider. I then replaced the foam and went overkill and sealed it up too. I then sealed around the bottom of the foam because there were two smaller gaps there. Put it all together and tada!!! 5x better air-conditioning!!! (ok.. more like 1.43x better. )

    HVAC Tape: https://amzn.to/3EPOMag

  8. Splitter for propane so I can use both the grill and the outdoor kitchen: https://amzn.to/3LnX2ks

Download the above list in a printable format with pictures here!

Want more recommended accessories that aren’t necessary “mods”? See what we use here: Must Have Accessories

A note about links: No one paid me to select any of these products. I selected all of these for my own use, based on my own research and decisioning. I provide these links as a courtesy, and while I have never received a payment for hosting links on my site, amazon may pay me a small percentage if enough people do buy from them- however, the products were not selected for this purpose.

I posted them from friends on the Coachmen Spirit RV Page asking me for what products I used!

Want more recommended accessories that aren’t necessary “mods”? See what we use here: Must Have Accessories

Side Distraction- “Must Have” accessories to RVing

A number of my RVing friends have asked me for details on what products we use for RVing. This may be an aside to our usual topics, but I wanted to make this available for those friends!

Here’s what we use!

  • Andersen Hitches levelers: https://amzn.to/3kjesTo . If you have extended wheel bases like the coachmen spirit, they are perfect. If you don’t, you may have to cut/modify them a bit. No mods required on the coachmen.
  • RV Shade for door windows, 2 pack: https://amzn.to/3MAOkzy
  • I think its best to always have all the tools you need onboard the camper at all times, so to open, close, and winterize the water heater, here is the socket you need: https://amzn.to/3MANpz6
  • Here’s the 12′ Propane hose to connect back to a rear-mount grill: https://amzn.to/36ST9oy
  • This is the 5- pack of chargers we bought to assure we could charge devices in the RV: https://amzn.to/3OFrrg7
  • This is the ceramic heaters we bought for the camper. If you want to use mini heaters, make sure you get one with 750w setting, as you will trip the breaker with two 1500w heaters. If it has a 750w setting, you can run two and keep the heater running on your existing electrical system: https://amzn.to/3y2fuLL
  • This is the “dust buster” vac we use in the camper and absolutely love it. Best deal on a lithium ion that is reliable! https://amzn.to/3Loquqy
  • This is the Drill I use to put down the stabilizers. I like this one a lot because it is strong enough to move the stabilizers but weak enough that it won’t “Jack up the trailer” and break the stabilizers like dewalts and similar will. It is also handy to have around the campsite! https://amzn.to/3vQhAv8
  • This is the leaf blower we use as well. It uses the same 20v battery pack as the drill, and is super light… but it comes in handy big dime, both to clean off the slides before closing the camper up and to clean up the site! https://amzn.to/3kdIM1M
  • I also bought this to pick up dog poop around the site. It works pretty well and its really well made. https://amzn.to/3LlwzUI
  • I bought these quick links to hang from my hitch to make it easier to connect safety chains: https://amzn.to/3kfUmcv
  • 50 amp to 30 amp adapter for RV parks: https://amzn.to/3OGBxx7
  • Collapsible dish dryer that fits in the sinks of the 2963bh: https://amzn.to/3vQfgEH  (Also clearance for half price while they still have them at Menards!)
  • Sewer House Supports (get 20’-30’, do not get 10 or 15 unless you are at a permanent site!: https://amzn.to/3xTMlSD
  • Camco Leveling Blocks: https://amzn.to/3vl187d
  • Camco Stabilizing Pads: https://amzn.to/3Lp01Jc
  • Picnic Table Cover: https://amzn.to/3khVyMF
  • Everyone needs spare fuses! Here’s the one you want, not the minis! https://amzn.to/3Lzyt3S
  • Mainstays lightweight stainless steel silverware. Available in Walmart stores only: https://www.walmart.com/ip/Mainstays-4-Piece
  • Aluminum Step Stool for when your site has a HUGE step to the lowest rung of your steps! https://amzn.to/3Mvzw5a
  • These are the best dang rocking chair/camping chair (convertible) we’ve ever owned. They are on both amazon and Walmart. NO assemble really necessary (you snap on the bottom, that’s it). Not sure why amazon suggests spending 85 for assembly, but don’t do it. https://amzn.to/37SFwGi
  • Andersen Hitch is what we use- disconnect in seconds (literally), no heavy weights to lift which is great for disabled, older, or weaker individuals, and everything stays on the truck or trailer. It also has great stabilization sway control and has ZERO impacts/limitations on turning radius and backing up, where other manufactures require disconnections! https://amzn.to/3kea2NH . I bought the 8” drop because I had a lifted F250 at the time, but it is not needed on my F150.
  • I used to swear by x-chocks on other trailers, and I have a pair I used on my Keystone… but on the wide track wheel base of the coachmen, they are a little more finicky because you deal with clearance issues on the ground. I haven’t chosen to buy them yet, but this is the brand I used and liked in the size that fits the coachmen spirit: https://amzn.to/3vlIhJg .

 

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A note about links: No one paid me to select any of these products. I selected all of these for my own use, based on my own research and decisioning. I provide these links as a courtesy, and while I have never received a payment for hosting links on my site, amazon may pay me a small percentage if enough people do buy from them- however, the products were not selected for this purpose.

I posted them from friends on the Coachmen Spirit RV Page asking me for what products I used!

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If you are looking for cool modification and RV / Camper enhancements, be sure to check out the video and article on 55 mods in 50 days!

Want to hear about the 55 Mods / enhancements I did in 50 days specific to the Coachmen 2963bh? If so, check them out here! 

Tips for Smart Frugality?

Some people find themselves really challenged with the “Should I buy good quality stuff” or “Should I buy Cheap”, and I find many people end up in one camp or the other. However, I urge you to consider what I found to be the “magic bullet”. I go with what I call the “Harbor Freight” trick, named after everyone’s loved https://www.harborfreight.com/

The trick started for me with tools. I buy the absolute cheapest thing out there.
If I break it, I know I use it enough to buy a really good one, so my next one is top quality.

I’ve saved SOOOO much money this way, and assured when I bought the expensive thing I really bought what I needed, not just what my uneducated self thought I would need.

It doesn’t only work with tools- furniture, electronics, etc. I bought a $30 smart watch, used it to death and broke it, so I had no problem justifying a $250 smart watch. I broke my caulk gun, so I had no problem buying a great caulk gun. I broke my cheap power drill, so I justified buying a dewalt…

But on the flip side there are 10x MORE things I “Swore I’d use all the time” that I never use and so I saved a killing. Apple airpods. Bought cheap $8 version, wore ’em once and just haven’t found the use of them. Backup battery charger- bought a cheap one never used it. Certain toys, etc. Clothes, “Oh I’ll wear that kind of thing all the time” yeah right. a Tile Saw? One hit wonder.

I can justify I follow the same policy (my first house was cheap and I outgrew it, my first car was a as rough as they come and I outgrew it), but I learned in both of those examples what I wanted in a “good” one. I do think its best for people to buy a cheap first house and a cheap first car though so they know what they want when they buy a good one.

And that is the best way to balance “quality” with “price”.

Go to harbor freight and buy your tools, grab your offbrand headphones from ebay, and try out that new tech from the clearance section of walmart…. then the two items you actually use enough to break, you’ll have plenty of money to buy the best version for you!

How We Need to Think about Loan Forgiveness

No one is perfect. Many of us ended up with big debts, and low income after school. We don’t have the BMW and the mansion we always thought we’d have by now, and frankly some of us don’t even have a used Chevy and rent. Instead our expectations for life after college gave way to a very different life straddled with student loans we struggle to pay off.

I bought a business once that I thought was going to make me a killing. After buying it I discovered the seller was involved with fraud and the business wasn’t going to get the big bucks I expected. This was rough to accept. I was subject to extensive hard work, a big time commitment, and a big loan only to be straddled with a losing business position. I lost a ton of money, and a ton of time never to be recovered. It really sucked, and set my life back substantially.

At first I was extremely angry at the seller, angry at the bank, and angry at myself. This was not at all fair. This was not what I was promised, and not what I expected.

While those emotions are natural, when it was all said and done however, I discovered what I needed to do. I had to forgive myself. That is the most important thing I could do even though it was hard.

I have now forgiven myself. Sometimes investments are not what we expect or plan for, and we need to learn from them. The best of us take our failures and use them to improve ourselves as well as to help teach others around us so they don’t have to make the same mistakes we did.

I can be angry. I can blame others. And once I take responsibility, I can blame myself for listening to those others, and taking their bad advice and faulty direction.

I do believe students who are in a rough loan situation deserve forgiveness for the mistakes they made… It is human to make mistakes and to learn from them. The most important person they need to forgive however, is themselves.

That does not mean they are free from the obligations they owe, just as I was not free from the loan I took to purchase the business. They are not free from the fact that they made an unfortunately bad investment decision based on questionable advice from their parents, friends, and even the colleges themselves.

So graduates- Forgive yourself first, and then make sure you teach your children and your friends’ children about how to intelligently make investment decisions such as business purchases, stocks, or the other common investment for young adults- college. While there is a lot of opportunity in investments such as college, investments can be risky and often do not pan out. This is a tough lesson, but one that every young adult needs to learn sooner than later.

We all deserve forgiveness for our mistakes and transgressions, but this does not mean we should ever expect to force others to compensate us for our mistakes. We learn from them, and do our best to help others in our community learn from our mistakes. This is the definition of life.

So if you are in a rough spot from student loans- Forgive yourself first. Then help others so they don’t repeat your mistakes!

I wanted to help others, and I wrote the book “The College Dilemma” specifically for this reason. So lets all do our part to forgive ourselves, and then help others!

Interest is Cheap? But You Should Still Pay off your Mortgage! Morning Drive Episode 32

“Interest is cheap”- How many “smart” people do you know that insist you should NOT pay off your mortgage because interest is cheap, and you can make more by investing that money?

I hear it a lot, but do you know who I don’t hear it from? Multimillionaires. Why does it seem like so many wealthy people do pay off their mortgages, even before they are wealthy? How are they thinking differently? Why does Dave Ramsey, the investors behind Shark Tank, and so many others recommend this?

Ride with Brooks and discuss this topic, and understand why paying off your mortgage may not be so crazy after all.

MillionaireWho – Stabilize your wallet, Secure your future, and Succeed! in Entrepreneurship & Finance introduces the audio and video program, “The Morning Drive” with Brooks Fiesinger hosting.

MillionaireWho http://www.MillionaireWho.com
Brooks Fiesinger http://www.BrooksFiesinger.com

Featured in the news: College vs. Trade School: Pursuing the best path for personal success

“’41 percent of those students will dropout before graduation,’ college professor Brooks Fiesinger said.

Fiesinger is the author of “The College Dilemma: The Lies We Tell Our Children and the Truth We Hide’, a book that analyzes the changing dynamic between education and employment.

Through researching unemployment rates, he found that 16 percent of graduates remain jobless 6 months after graduation, racking up massive amounts of debt.

“It takes an average of 21 years to pay off a student’s loans,” Fiesinger said.

As more students are choosing to attend college, the number of students going into trade schools is rapidly declining.”

 

See the video  and entire article here:

http://fox45now.com/news/local/college-vs-trade-school-pursuing-the-best-path-for-personal-success