A journey of self-actualization.

Increasing My Credit Score To The Legendary 850

So, ever since I’ve bounced back from financial ruin, I’ve kept a stern eye on my credit score. Currently, I’m only 2 points away from an excellent score, entering the…

So, ever since I’ve bounced back from financial ruin, I’ve kept a stern eye on my credit score.

Currently, I’m only 2 points away from an excellent score, entering the 1% club. I’m not going to put all my information out there, but here’s an idea in the form of a screenshot, taken from my Experian account:

I would currently be at a full excellent score if it weren’t for a few hard inquiries that I’m waiting to drop off at the end of the year.

I ended up having to make hard decisions that destroyed my credit seven years ago, during a crisis with my family. I decided to become a homeless vet, rather than endure the family culture that was my original house.

This is also what partially led to me eventually declaring cultural independence from African-Americans, with a handful of veteran brothers of mine.

I’ve thoroughly researched whatever is known about the algorithms of the credit bureaus by following people like Ask Sebby on YouTube:

…as well as calling my credit bureaus for confirmation of different questions I’ve had about my specific situation.

I started with a Navy Federal secured card to start rebuilding my credit. If memory serves correctly, I backed it with only $500.

After a while, I proved myself responsible with regular payments, leading to a credit limit upgrade to $1,000.

Then, later on, I was able to get it upgraded to $11,000.

And then I got an American Express gold card once my credit returned to 730.

Throughout this process, I was building my marketing strategy firm, which started off as a fully online microbusiness. This is what I used to repay all my debts, as well as fund my education in physics.

I had already expended my GI Bill benefits on my first degree I earned while I was in China: a business degree in marketing strategy. So, I’ve had to pay my way through my physics program in cash.

After I began to touch the surface of the 750 credit range (which is what creditors count as “excellent,” with anything above it being superfluous), I outlined a step-by-step strategy for me to get it past 800, and onward to the legendary 850.

Most people say such a credit score is superfluous, and in most cases, they’re correct.

However, what my studies have taught me is that there is, indeed, a use for such a credit score: bidding on houses and apartments.

When two or more people put in bids for real estate, whoever has the higher credit score is more likely to win.

This is critical for my position as the leader of the Vannoken tribe because I’m going to want to have as a great an edge as possible in bids for lands and housing as we expand our cultural territory and buy assets to pass on to future generations of our people.

Once I get to the 21+ accounts mark as needed to enter the legendary 850 club, I can then buy acre after acre of land, house after house, and then rent them out like any other real estate company.

This is a huge advantage to treating OMI Firm as a holding company, not just a marketing strategy firm. A marketing strategy firm is just its baby form as I continually reinvest over the years to build the wealth of our families.

Furthermore, by becoming an E-stonian citizen, I’m able to incorporate my holding company at the international level with great tax benefits that give us an edge with both taxes and investors.

At this point, with me, it’s just a matter of time and building my portfolio, one account at a time.

What we’re doing as a tribe is directly countering the claim that minorities are held down in modern day politics from building their own generational wealth. Of course, they/we can. Those of us who’ve struggled need better decision-making, which is what I mean to demonstrate.

No Comments on Increasing My Credit Score To The Legendary 850

Took My First Quiz For The Semester

As I’ve blogged about before, I’m in double calculus classes. Well, to be precise, one is a simpler Algebra 2 course that ends in Calculus, while the other is a…

As I’ve blogged about before, I’m in double calculus classes.

Well, to be precise, one is a simpler Algebra 2 course that ends in Calculus, while the other is a Classical Physics and Quantum Physics course that thoroughly involves integrated calculus from the very first unit.

I got nearly a perfect score: ~95/100. Each question was answered correctly according to my thought-process; however, there was one question that I failed to follow directions on what manner of expression they were looking for pertaining to factorization. So, I got partial credit. My answer wasn’t wrong; it just wasn’t presented in the complete way that they wanted it.

I take responsibility for that, though, because before the quiz, I could have asked about the specific limits of my factorization they were looking for.

I’m still dealing with major confidence issues pertaining to second-guessing my intuition when it comes to solving an equation. Often, my gut will tell me what the answer is right from the jump without actually having to show any work, but there’s a subconscious tripwire that I fall over when it comes to second-guessing myself.

My tutor has been helping me greatly with drill after drill. He seems to have more faith me than I have in myself.

So far, I’ve done pretty well in understanding the basics of integrated calculus; though, we’ll see what time will tell as I progress (or not) through my current challenges.

It’s extremely difficult running both companies (my marketing strategy firm, as well as my defense engineering firm).

I have to balance the workload of multiple marketing clients with their respective deadlines. Meanwhile, I have to develop the presentation I need to speak about upcoming Vannoken body armor in Rome.

I hired a graphic designer to help me make custom, beautiful, watercolor slides of wolves for the powerpoint presentation; though, I’m having a hard time finding the right engineering artist to depict the armor in the way that I’d like it, because my own drawings are subpar (in my opinion).

My own drawings serve the purpose of getting the idea I want across to fellow engineers; though, I wouldn’t present my scribbly lines to investors.

My wife has proven to be a wonderful support, as always; she’s always there with coffee when I need it, emotional support, food, conversation, keeping the kids from distracting me when necessary, etc. Sometimes, she even checks my math work on the huge, university-sized whiteboards we have in our house.

Sometimes, speaking to her helps to dissipate an occasional flood of post-traumatic memories that interrupt my concentration and lower my morale, depending on what they are; other times, I need to be alone and just deal.

Though, I’m very fortunate to have been awarded by fate the opportunity to win her respect for such marital support; I know full well that many men in the world do not have such a peaceful, pleasant, compatible, and fruitful marriage as I.

I wouldn’t be able to progress in business and physics the way that I am otherwise, if there was not peace and order in my house enough for me to focus.

Though, despite all this, I just don’t feel like I’m moving fast enough. For instance, I’m actually two units ahead in one of my two math courses, for I decided to study ahead before the semester even started. Though, I have to stay at the pace the school wants me to, which I understand.

…even though my ambition remains unsatisfied.

No Comments on Took My First Quiz For The Semester

I’ve become an E-stonian!

My application to become an E-stonian/e-citizen of Estonia was approved! They said it would take 4-5 weeks, but it only took a couple days! ๐Ÿ™‚ They must have liked me!…

My application to become an E-stonian/e-citizen of Estonia was approved! They said it would take 4-5 weeks, but it only took a couple days! ๐Ÿ™‚ They must have liked me!

I provided them with links to virtually everything about me. I hid nothing. So, I know they had to have seen Vannoken culture and all that. So, I'm so happy that people get what I'm trying to do, to be believed. I'm trying to give back, especially to Europe, not take away from it. And I understand why there's been doubt; just like the University of York giving me the benefit of the doubt for their physics program, I am humbled and appreciative beyond words to receive Estonia's benefit of the doubt as well.

I have many flaws as a character, but it's good to see that most people see how hard I'm working to overcome them and build upon society, rather than tear it down.

It's good to have an extra citizenship ofย any kind, in this context, even if I don't hypothetically register my marketing strategy firm in Estonia.

Thank you very much, Estonia. I am in your debt, and highly appreciate your approval of my application. It is truly an honor, and I won't abuse it.

No Comments on I’ve become an E-stonian!

How I’ve Recovered From Extreme Financial Lows

Not everyone can go from extreme lows to extreme highs in triumphant personal stories of conquering adversity. People who say otherwise are lying. You may often read about those kinds…

Not everyone can go from extreme lows to extreme highs in triumphant personal stories of conquering adversity. People who say otherwise are lying. You may often read about those kinds of stories; though, most times, when a person goes homeless or something to that effect, they stay that way.

I've been homeless three times in my life: twice while I was a minor because of parental reasons I couldn't control; once because of parental reasons I could control.

Skipping over a lot of details, while making a long story short: After getting out of the military, I decided to become a homeless veteran because that, to me, was better than living in the same environment as my biological mother and step-father.

I was correct.

It was a decision that came with long-term mentally scarring and embarrassing sacrifices over the short-term. However, it proved to be the absolute best decision in the end for my mental health, wealth, freedom to rebuild my culture, and family in the long-term.

It was the ultimate mashmallow test.

I went to college while living outside, under the Rt. 42 bridge in southern New Jersey, doing odd jobs for cash to get by. My bank account locked up from defaulted bills I could no longer afford to pay while homeless, and thus my credit score tanked. Then, I temporarily dropped out after earning a job teaching English in China, after becoming the top in my Chinese language class.

Throughout this period, I was recovering from extreme sickness that had built up from my childhood, undetected tumors in my skull.

...while building my marketing strategy firm: OMI, and returning to college online for a degree in marketing.

...until I reached the point of success that allowed me to live in the south of Spain, while buying land in Alaska, and paying my way through a second degree: physics.

...as my credit score began to improve in leaps and bounds.

There's been no trick to the way I've bounced back: I was smart, disciplined, willing to be made fun of, willing to delay massive amounts of instant gratification, and willing to sacrifice nearly every element of my life (including friends and family) to come out on top.

Though, I will say that I wasn'tย so smart in the sense that I made no mistakes; I made plenty of them.

A person like me can end up homeless from making unintelligent decisions based on false axioms they were taught at birth. Much like how this highly intelligent individual sometimes struggles with math, being taught the wrong axioms at birth is like being taught PEMDAS in the wrong order.

It takes a willful effort to become self-aware enough to change the order of operations one uses to navigate through life. This is what had to occur for me to start making the right decisions to get from point A to point B.

Figuratively speaking, instead of being taught PEMDAS in the proper order as would be necessary to solve a life equation, I was taught something more like DEPMAS...which perpetually yielded wrong answers, and it wasn't until I started rebuilding the framework of my own psychology that I was able to turn everything around with great personal sacrifices:

But it's unrealistic to think that the average person can do this.

Meanwhile, because my parent(s) were solving their life equations with DEPMAS instead of PEMDAS, that would explain why they continually financially struggled. Though, once you reach a certain age, it becomes increasingly difficult to change one's habits and behaviors. I knew they wouldn't change; thus, I left and didn't look back.

 

No Comments on How I’ve Recovered From Extreme Financial Lows

Type on the field below and hit Enter/Return to search