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In History

A Free Family Resource Courtesy Of McKaig Chevrolet Buick

“Our Business Is Finding Solutions To The Everyday Problems That Keep Most People Stuck In A Car They Hate.”

McKaig Chevrolet Buick | 1-903-845-2132 | http://www.McKaig.net

All of life is a gift. Every person, experience and moment is a gift. Did you know that gratitude is the very first step to receiving and actually experiencing what you desire? Gratitude "seals the deal." When you are in the state of gratitude you are genuinely and enthusiastically grateful for that which you have and that which you positively expect to receive. Gratitude is a daily practice allowing yourself to be present in the moment. For some, it is a way of life. People who practice daily grati-tude live happier and more abundant lives. 1. Gratitude is about being present. Gratitude is about waking up in this moment and being here now - really being here - and noticing what's around you. Most people are so busy thinking about whats not happening, or how much more they have to do, that they don't look around and notice what's happening at the present moment. The only moment we have is right here and right now. Wake up to fully embrace the present moment. 2. Gratitude is about honoring your life. Do you ever compare your life with some-one else's? Do you ever wish your life were better and more like another's? Sometimes we can lose ourselves in comparing and wondering how we "measure up" to some standard set by someone else. Gratitude requires you to validate your own life be-cause everything in life is a precious gift. Gratitude allows you to keep the focus on your life. That which we put our attention and focus on grows.

3. Gratitude is about attracting all that we desire. All things come to those who are grateful. It's difficult to attract abundance and joy if you are saying "no" and arguing with what IS and criticizing yourself or others. When you allow yourself to be fully present, you say YES and create a powerful shift. Attraction is about "yes." Gratitude attracts more of that which you are grateful for and deeply desire. Being grateful for all that you have and that which you desire even if you currently do not possess that which you desire. Gratitude attracts exactly what you desire and allows you to receive it quickly. 4. Be in love with Now. The special key to learning to accepting eve-rything that you already have (good or not so great) is to love the present moment - all of it - and prefer nothing other than the pre-sent moment. Truthfully, this is all we have. 5. Gratitude doesn't need explanation Gratitude doesn't need to be explained be-cause it's magical. It's already inside of you. It's not something you need to go out and get. Rather, it's something you have instant access to by connecting to all that is within in you. Being grateful right now negates resistance. Gratitude allow you to understand you at a deeper level so you have a deeper under-stand about the path to come. Gratitude

1 - 1959 - The television

series “The Twilight Zone”

premiered.

12 - 1810 - The very first

Oktoberfest is held in Mu-

nich, Bavaria, Germany.

24 - 1945 - The United Na-

tions came into existence.

29 - 1929 - The New York

Stock Exchange crashed on

what came to be known as

“Black Tuesday”, starting

the Great Depression.

31 - 1926 - Magician Har-

ry Houdini dies from com-

plications of a ruptured ap-

pendix.

5 Great Reasons of Gratitude by Karen Fagan

FAMOUS WORDS

Interesting Facts

You Never Knew

“Life offers us tickets to

places which we have not

knowingly asked for.”

Maya Angelou

Did you know . . . Most

American car horns honk in

the key of F.

Did you know . . . A Saudi

Arabian woman can get a

divorce if her husband

doesn’t give her coffee.

Did you know . . . The Ne-

anderthal’s brain was bigger

than yours.

Did you know . . . Donald

Duck comics were banned

from Finland because he

doesn’t wear pants.

The envelope budget, sometimes called the envelope method or system is the practice of managing household expenses through the use of cash envelopes. Dubbed "Grandma's way to handle money" by Dave Ramsey, this depression era meth-od of budgeting is still as effective as ever. Yes, the modern versions of the envelope budget are readily available online in pro-grams like Mvelopes but they cost money. The focus of this post is on the traditional envelope method which is FREE! How to set up an envelope budget Step 1: Tally up actual spending from the previous month Gather up all your credit card, bank state-ments, invoices and receipts from the previ-ous month. If you can get two or three months worth of information that is better but one month will do for now. From your statements, invoices and receipts take note of everything you spent money on (i.e. vari-able expenses only) during that period then add them up into four or five broad catego-ries. For example, you might add up all the times you bought gas for the month and put it into a category called "Transportation". Any money spent on anything related to trans-portation goes into that category (this would include things like gas, motor oil, tune ups etc.) You might have another cate-gory for "Groceries", every time you spend money at the grocery store it would be add-ed to this category and so on. This will be the basis of your envelope budget catego-ries. * Do NOT include fixed payments or expens-es in this calculation. Expenses like your mortgage, car payments, utility bills etc should be left out of the budget. Step 2: Draft and finalize your list of cate-gories Your envelope categories can be as broad or as narrow as you want, it’s up to you. If you want many categories you can use the broad categories from step 1 and expand

them until you're satisfied you have the right number of categories for your enve-lopes; on the other hand you might be hap-py sticking with four or five broad categories for now, you can always add more catego-ries later if you need to. This is not an exact science, just do what feels right. It's better to keep it down to just a few cate-gories, your budget will be far easier and less time consuming to manage than if you use a lot of categories (ten or more). Step 3: Label and fund the envelopes Now comes the fun part! Label your enve-lopes and fill them with the cash amounts you calculated in step 1. How often you get paid will dictate how much to put into the envelopes. For example, if you get paid bi-weekly then you will be funding your enve-lopes every two weeks. The cash in each envelope will have to last until your next pay period. Step 4: Work the envelope system With your envelope budget now complete, its time for the real test - putting it into practice. You should not expect the perfect budget on the first pass or even the second try. It will take a a lot of trial and error be-fore you finally find the right mix and devel-op the perfect envelope budget. Here is one last point to remember as you work the envelope system: Give it some time - As I mentioned previ-ously, the envelope budgeting system is not perfect or exact but it will work if you give it a chance. It may take you several tries be-fore you finally perfect your budget. the key is to just keep tweaking and changing it until you do get it right.

How To Setup An Envelope Budget by Remy Roy

IF YOU READ NOTHING

ELSE . . . READ THIS!

THANK YOU!

Prize Winner

Do you know of someone who is looking

for a quality pre-owned vehicle or wants to

upgrade their current vehicle?

Even if they have little money to put down

or they’ve had trouble qualifying in the

past… I can help them! Send them my way.

They’ll be glad you did and so will you!

Here’s why…

If you refer someone to me this month,

when we finish the paperwork for their nicer,

newer car - I will give them a $50 gift certifi-

cate for dinner at a restaurant of their choice

and give you one too!

KENT ABERNATHY

believes that everyone

deserves a nicer, new-

er car or truck and

wants his team to pro-

vide solutions to your

transportation needs.

“My goal is to be YOUR trusted advisor.”

KENT ABERNATHY

A DEALER FOR THE PEOPLE

McKaig Chevrolet Buick

1110 E Broadway Ave

Gladewater, TX 75647

(903) 845-2132

www.McKaig.net

I have bought many cars in my

life but never had such a pleas-

ant experience buying a car. It

may be a few years before we

buy another new vehicle but

McKaig will be the first people

we see. ~ Jeff Wedding

Search This Newsletter For The Answer

To The Kindle Touch Question and Sub-

mit Your Answer Online.

SUDOKO Puzzle

Quick SUDOKU rules . . .

To solve a SUDOKU puzzle, every number from 1 to 9 must appear

in:

Each of the nine vertical columns Each of the nine horizontal rows Each of the nine 3 x 3 boxes

“Success and failure. We think of them as

opposites, but they’re really not. They’re

companions—the hero and the sidekick.” Lawrence Shames

W hy am I giving away a Kindle Touch?

Because everyone likes to win stuff. It’s

fun. And I want this newsletter to be fun for you. I

also want you to read it. Ahhh . . . now you’ll see

my selfish motivation.

In order to win the Kindle Touch you have to

answer the question below. In order to answer the

question, you have to read this newsletter. I’ve hid-

den the answer somewhere in the contents of these

four pages.

If you read the whole newsletter, I think you’ll

like it and you’ll look forward to getting it every

month.

Then when you are looking to buy a vehicle or

know someone who is, you’ll remember this news-

letter and hopefully you’ll give me the chance to

earn their business. That’s my master plan. So an-

swer the question and you could be the winner.

There’s a new winner every month.

CONSUMER ALERT! WIN A FREE

Kindle Touch

INSIDE THIS ISSUE

Here’s The Question:

Who can declare divorce over lack of coffee?

Submit Your Answer And Win

Go to www.FreePrizeQuestion.com/

CONTEST CODE McKaig Chevrolet Buick

Submit Your Answer By: October 31, 2012

T here are dastardly scams being pulled

on innocent car buyers every day.

It’s really tough to tell where these shyster

lots are and whether or not you’re on one.

Remember these people are very well

trained and may be taking advantage of

you without you ever knowing it.

You know this to be true because of the

stereotypes we all hear about how shady

and unscrupulous car dealers and used car

salesman are. It’s true. There are some bad

apples out there that spoil it for the bunch.

So what can you do about it? Arm

yourself with the insider information

you need to recognize a common car

scam when you see it. This information

can save you big money, lots of time and

an enormous amount of pain, heartache

and frustration.

I’ve prepared a FREE REPORT espe-

cially for people who are thinking about

making a vehicle purchase in the next few

months. This report explains the ten

most notorious and common car scams that go on at dealerships all over the coun-

try. Some right here in our own town.

This report will show you how to spot

these scams and how to avoid being a vic-

tim. This is insider information you

won’t get from any other car dealer. In

fact, I’m sure I’ll get some heat from the

industry just for writing this. But I don’t

care. I’m here for you.

If you are in the market for a car you

are entitled to this information. It is

available to you absolutely FREE with no

cost or obligation.

To request your free copy of this spe-

cial industry expose’ visit my report re-

quest web site at:

www.McKaigForThePeople.com

5 Great Reasons of Gratitude

The Envelope Budget

Interesting Facts

Sudoko Puzzle

B ecause I’m a dealer FOR the people I do

things that most other car dealers can’t.

I’ve been helping individuals like you and families

like yours for years and you know I’ll do it for

you. I want to be YOUR trusted advisor.

So here’s my promise…If I can’t help you get

the car of your dreams, I will buy you a big fat

steak dinner!

Don’t Get Ripped Off The Next Time You Buy A Car. FREE REPORT Reveals The 10 Most Notorious and Common Car Scams Dealers

Use To Rob You Of Your Cash & Sanity and How You Can Avoid Being A Victim!