Make Money Fast With No Investment-how Andrew Made $100,000 In 6 Months

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Andrew Newberry is a distant family friend that knew about my business acumen. He knew how I had been in his position only 24 months previously and had heard about the new life I was leading with the wealth I had generated. I could hear the earnest desperation in his voice, when he asked me “how’d you do it Jack”? His question was open and sincere. In my eye’s he was at a point where there was only one direction for his life to go…up.

Andrew needed to make money fast. His family were in danger of losing the roof over their heads and although Andrew worked a fulltime job, there were difficulties that created this current crisis.

He couldn’t understand how I had done so much considering my humble beginings, while he had worked at his current job for over 10 years and was saddled with the difficulties he was currently experiencing. He told me he had no money to invest or anything like that, but could I advise him on what if anything was possible.

This was my response to him.

You see, what he was asking me specifically was, “how do I make money with little or no investment” My mind ignored his emotional pain and focused on the reality. That is the reality of what he needed answering.

Talking about Real Estate investment or anything that needed a capital injection was futile for Andrew, he needed to hear something different. This is what I told him to do, step by step. I told him that if he followed these two steps, he would have $100,000 within 12 months. He did it in 6!

Step one, get a little money. Not much needed, a few hundred dollars would do, but he has to find something as a seed capital account. I gave him the URL of a broker that does paid surveys online. These brokers represent companies that pay ordinary people for their opinions. They typically pay between $50-$300 per hour. He got his wife busy doing these through the day and evenings, they had $1000 within 2 weeks.

Step two, Go Shopping I explained to Andrew the mechanism behind my success. Compounding, intrinsic value, leverage, rapid capital gains, pyramiding profits. I then asked him to compound that thousand dollars by 30% 19 times. In other words, I told him to find 19 investment-objects that were for sale that he could buy, that had at least 30% or more spare intrinsic value.

Intrinsic value is everywhere. Whether you are buying New York sky scrapers of marble pool tables or Bertram boats, every market has a percentage of sellers offering their goods at well below market value.

Andrew started with old cars because he was a mechanic and now he had a game plan he was going to compound his money with his existing skill set. He traded up and up until he had $12,000 in six weeks.

Get your calculator out and see how he did it, how he evolved his money without a hitch. Start with 1000 then multiply by “1.3” which is the same as 30% Don’t press equals, just hit “1.3” and multiply symbol again. Do that 19 times.

When Andrew sold his last auto deal, he was ready to get involved in Real Estate. With $12,000 it wasn’t much but it was enough to start applying the same principles with Real Estate. This is where his compounding really escalated.

It escalated, because now he was using leverage….borrowed money. He called me on the day he was ready to start compounding with Real Estate with another problem. As I advised him “get into Real Estate Andrew as quickly as you can, around the $10,000 mark its time to get into that game”

He had a problem. The houses in his area were dear, he couldnt see how having $12,000 was enough to get involved.

I advised him that he should forget about houses until he had at least $40,000 He should focus on raw land. Raw blocks are cheap, and easily re-zoned into a higher purpose. With just a small investment at the local town planning department he could re-zone a residential into a commercial or the other way around where appropriate. Its called a “soft” or “paper” rennovation. No painting, no work, just a few simple forms and a fee to pay.

Creating a new use is just one way to add value to raw land, there are many others. Andrew researched and discovered them all. He stuck with land after all was said and done. He discovered buying a large block and subdividing it was very profitable. The second deal he did, he bought a block of over an acre, surrounded by established homes for $300,000 (with a bank loan) It was a corner block and he split it into three handsome sized blocks, tailored to the upper market. The first two blocks paid out his loan and put profits in his pocket, the last block he used as collateral for another bank loan where he built his own beautiful mansion on.

He sold it for a final profit of $354,000

That was about 8 months after our little chat on that cold evening.

To your health and rapid success.

Toshiba 46XF550U LCD HDTV

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Source: Flickr


The highly expensive High Definition TV that has underwhelming features is found lacking when it is compared to others of its kind.

It isn’t readily understandable to us how Toshiba might consider its 46XF550U to be already worth selling for two thousand five hundred dollars. With the forty-six and forty-seven inch High Definition TVs included in our 2008 tests for image quality, the model came in at number 5 out of the 9 contenders.

The judges that we had for image-quality have noticed an overly yellow color for the people appearing in our “According to Jim” segment. Though another judge had found that the clip had a bit too much graininess in it, I personally had been quite awed with the quality of the Mission Impossible 3 movie segment in the Blu-ray format. I, however, considered the Return of the King movie segment shown in standard definition DVD to have been quite negatively affected by its having a bit too much of an oil-painting feel in it.

The 46XF550U possesses a variety of good extra features such as the set tuning in to the DVD player whenever you have just turned it on. This automatic feature works for whatever source is connected to the set at the time. Another good extra is the TV being able to turn on its stand. This feature helps when you’re watching the 46XF550U HDTV from odd directions.

This feature also gives you better access to the input ports found right at the back of the HDTV set. These same input ports, though, are pointed towards the bottom and this lessens their accessibility. The model 46XF550U is compatible with the Regza-Link type of the HDMI Consumer Electronics channel, also known as the CEC channel. This allows one gadget to manipulate another gadget.

The remote control for the 46XF550U possesses a good enough feel and layout to it. The remote control buttons seem to be in need of backlighting but aren’t. The control possesses an element not seen in others like it. In switching to mute, pressing mute the first time only halves the volume of the sound. To fully be muted, it has to be pushed one other time.

The menus for the TV are displayed in the center of the screen. This coupled with the menus being solid blue make that feature not too appealing. The choices such as ‘Theater Settings’ and ‘Auto Aspect Ratio’ are also not really given explanations for.

The remote control’s button to bring up the information displays a box that seems too low from where it probably has to be. This makes it quite likely that displaying it would cover up some key part of what you’re viewing.

As of the present time, the manual for the 46XF550U model still cannot be found anywhere online. This just means that no easily searchable version of the manual is available right now to help one readily find the explanations for those options mentioned above.

The printed manual is bulky, is actually written in two languages and has seventy-four pages of it set for the English text. The manual is illustrated in tiny but helpful pictures. No stand-alone guide exists for quickly setting up the 46XF550U model HDTV.

The Toshiba 46XF550U LCD is an HDTV system that a lot of extras and features that makes it a great buy. However, the price alone means that many consumers will avoid it in favor of big screen TV’s that have a fairer price.

If you have an entertainment system setup, make sure that you connect them to this big screen TV to get the best use out of it. Once you turn on your gadgets such as a VCR, Stereo or DVD player, the TV will automatically switch to it, and you can avoid having to search for multiple remotes to switch the input options.

Had the 46XF550U model been a TV sold at bargain prices, then buying it might be something worthy of consideration. However, due to the high price that it has, buying the 46XF550U is a very unwise decision.

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Sourcing Parts At Reasonable Prices For Your Classic Corvette

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With any classic vehicle finding a source of auto repair parts can be a major concern. So it is with classic Chevrolet Corvette as well as Chevrolet Stingray autos.

Corvettes have always had distinctive wheel covers and are a refreshing change from slotted mag wheels. The wood steering wheels add a rich touch if you are lucky to ever find one.

Interest has been spread into the 1968 and later models, especially car equipped with the lift out roof panels. In these cars, the excellent General Motors (G.M.) Turbo Hydra-matic transmission was the desired feature. Indeed one of the most valuable vehicle of this group has been the 1970 LT-1 350. Chevrolet itself had offered some good gymkhana suspension parts for this group of cars that are relatively inexpensive and greatly improve handling qualities.

Where can you find used parts for your classic Corvette? First of course are local swap meet and car clubs in your area. If you can shop close to home better be it.

You actually hold and fondle the part, inspecting it yourself. Why have to arrange and pay shipping charges. As well you may make valuable contacts for your Corvette restoration projects. Often one local contact will lead to another good source for parts as well as classic car restoration expertise.

Next on the list are magazines – such as – Corvette Enthusiast, Vette and Corvette Fever. It might be said that Corvette websites on the internet might be next on your list. However the actual magazines may provide a source for you first. Why not whittle down your Corvette resource list first rather than searching through the websites that may or may not have stock and be of the stature they claim. Websites can be made and put up easily. Magazines articles usually have current sourced lists; will place the vendors in some ranking. If there are ads – those ads have to paid for – which is an indication of the solvency and current resources of the firms involved. As well you may get additional good tips form the articles in the magazine. Classic car magazines such as Hemmings are also very useful.

Next for resources are actual websites devoted to this passion. The sites can be Corvette specific – such as vetteweb, the general motors website itself, The Corvette Club of America etc. Google the term “Corvette Links”, “Chevrolet Corvette Links” or “Stingray Links”. One link will always lead to more and additional links. Corvette enthusiasts are like that – always trying to be helpful and to share.

A terrific resource always is eBay. EBay is the premier online auction site. It can easily be found on the web at its home of ebay.com as well as various worldwide specific sites – whether they be ebay.ca in Canada or ebay.uk in the United Kingdom. EBay has both its original sales areas as well as the more specific and distinct eBay motors. The beauty of eBay is that somewhere in the world someone may have exactly the part, component or technical manuals that you are looking for.

In essence it may be “just lying around” and be of found money to them and yet be exactly what you require. It may be that that item is not available in your local area or the locals may want a killing for it. Either way eBay can be a very useful resource. Some of the items on eBay are on an auction basis; some are on a “buy now” price. Some are both. The beauty of eBay is that it has advanced features which may make your search for that exact hard to find Corvette car part easier. You can conduct product searches on eBay easily and specifically. If you are an eBay member (no cost to register), then you can have the eBay system email you the moment someone lists that part. Then you can either bid on the item, or if it is a buy now you can choose to purchase it. In addition eBay has a buyer request area where you can put out feelers and a request if anyone has that part or knows of contacts or leads that have that component available. Remember though with eBay that shipping costs are major component of the final and real cost of any good purchased. All that matters, if evaluating cost, is what the product costs when it arrives at the door of your shop.

Lastly never forget your local or area Chevrolet dealer themselves. There is both an amazing and remarkable amount of early Corvette parts still in the parts inventory of some Chevrolet dealers as well as some General Motors Chevrolet dealers who specialize in classic Corvette and Corvette Stingray car, mechanical as well as body parts.

Buying A Car, Some Tips And Information

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“Car buying is, or should be, a calculated decision,”says John Mondin, an auto travel counselor with AAA. The complex and sometimes frightening process of car buying is demystified in a comprehensive guide that covers: How to choose the right car, new/used car-buying strategies, getting a used car bargain,avoiding the pitfalls of leasing, how to shop for insurance.

In addition, Strategies for Smart Car Buyers includes several appendices and a variety of new material to complete the buyer’s research process, including: The acclaimed investigative series, “Confessions of a Car Salesman,” relating insider secrets in an entertaining account of two car dealerships, monthly payment charts and monthly leasing payments, expanded financing section detailing crucial contract dos and don’ts, plus additional commentary throughout text from undercover car salesman Chandler Phillips.

Online new car buying is a quick and easy way to look for a car in the privacy of one’s own home without the pressure of rash buying. Online car buying is a reality now because of the many excellent sites where you can find the car you’ve been looking for. See all the buying and selling articles you can find on avoiding scams and post-sale problems. As most of us know, used-car buying is a business wrought with scams. One of the best innovations in used car buying is the CARFAX website.

Tips

Educate yourself before buying a car, no negotiating prices without going for a test drive! Do you buy nice clothes without trying them on. Arm yourself with knowledge,with these tips, you can confidently walk into a car dealership, ready to be confronted by eager salesmen. More dealers are better: The more dealers you have in your area, the more competition for your business, the higher your odds of getting a good deal. Some helpful guidelines and car buying tips can be found at the Federal Information Center, as well as a wealth of other money related issues.

Information

The good news is that with the advent of the Internet, a world of information — never available to our parents and grandparents — is just a click away. Walking onto a dealer’s lot with no information is like walking into the lion’s den. And relying on a dealer for information is just slightly better. It levels the playing field by giving accurate information to the consumer.

You can also read up on the latest car reviews by browsing the Web as there is literally a wealth of pertinent information available online. Never discuss in a dealership what you can afford on a monthly basis; dealers can use that information to structure a car loan to meet or slightly beat your monthly-payment requirements, without addressing the more important issues: the total price of the car and the terms of the loan. To negotiate on price, you must be armed with information about the true value of the car you want with all the options you demand.

A variety of Web sites now offer detailed consumer information comparing the dealer’s invoice cost, what the dealer paid the manufacturer, against the MSRP printed on the window sticker. Important information about automobiles and fuel economy should always be considered. Some helpful guidelines and car buying tips can be found at the Federal Information Center, as well as a wealth of other money related issues. Check it out, you’ll be surprised at the valuable information you’ll find there. They combine extensive industry knowledge, dealership experience, and the power of the Internet to empower the consumer with the information they need to negotiate the best deal. They offer valuable research and information about used cars. You can find out about rebates online whereas before, unless you ask the car salesman, he wouldn’t volunteer the information to you.

Loan

You will get greater flexibility and savings by getting pre-approved for a car loan before shopping for a new or used car. And,if you decide to finance the car, find out what your monthly payment should be by shopping for a car loan before going to the dealership. You may discover that getting a loan will cost less than financing directly. If you do find a loan that you like, it’s recommended that you get approved for it before buying the car. The question you really must ask yourself at this point isn’t how much car you can afford but how much car loan you can afford. That determines how much car loan you’ll be able to cover comfortably every month for the next three to four years. The next step is to talk to your bank or credit union to find out what rates they’re currently charging on new-car loans for 36 and 48 months. There are many ways to find the best loan for you regardless of your credit standing. The prospective car buyer can also look into current interest rates on car loans ahead of time and determine which way they should proceed with regard to financing the vehicle. So be sure to follow these steps; do your research on the car, research available loan rates and programs online, check your impact on your insurance, and then reach a dealer about the car you want.

Final Thoughts

The world of car buying is changing rapidly. Online new car buying is a quick and easy way to look for a car in the privacy of one’s own home without the pressure of sales people pushing you into rash buying. The key to successful car buying is to meet your wants and needs within your budget.

Improve Your Trade Show Results By Writing Articles

Collision Repair Austin TX - Carco Collision Austin
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It is well-known among internet marketers that writing and distributing articles is one of the best and least expensive ways to promote products and services to a very wide audience. If you are involved in trade show or event marketing, you can use this technique to very effectively support your event marketing efforts.

**Supporting your trade show marketing with articles**

Let’s say you are a wedding photographer who shoots weddings within a radius of about 150 miles of your office or home. You are selective about which weddings you will shoot because, quite frankly, some pay better than others. So you are interested in reinforcing your carefully developed image. Your image is of a photographer who does work that is more creative and of higher quality than what you get from the average wedding photographer.

One of the successful methods you use to promote your services is to enter two or three specialty wedding trade shows held every year in different cities within your target area. Because these shows are geared specifically towards couples who want “something special” (that is, they are prepared to spend more money), they help you reach the “better than average” clientele you are after.

**A perfect opportunity to reinforce your special image**

This is a perfect scenario for reinforcing your image by writing and publishing articles about wedding photography. Of course you have to be careful that your articles don’t sound blatantly self-promoting. Most article marketers suggest your articles contain interesting, general information that can stand apart from the fact that you just happen to be providing the services you are writing about.

For instance, you might write an article called “Do Something Different with Your Wedding Photos”, where you describe some different techniques and locations that might be used. Or “Wedding Photography Over the Last 50 Years”, or “Should Your Photographer Choose Your Wedding Outfits?”, or “5 Secret Locations to Shoot Your Wedding Photos”, or “Perils of a Wedding Photographer”.

There is really no limit to the number of original and interesting stories you could can come up with if you just use your imagination.

A good article marketing campaign will consist of at least three or four articles written and distributed just before the peak periods in your marketing cycle. If you are trying to reinforce your trade show marketing, make sure you prepare your articles well before the trade shows you are entering.

**How to distribute your articles**

Your objective is to use these articles to create an identity for yourself at the same time as getting yourself lots of free publicity. The more places you distribute your articles, the more prospective customers you will reach, so don’t be timid about getting your articles out there.

The obvious place to start is by posting them on your own website. Create an article section and mix in articles from other (non-competing) writers. This will make your website a more valuable resource for your prospective customers, and it will enhance your image in their eyes.

Second, consider distributing your article to the local print media. If it is interesting enough — and not just a self-promotion — some of them will very likely publish it. The important thing is to find an interesting angle. Think in terms of their readers and write for them. Some media will even have special sections — weddings, home renovations, automobiles, outdoor, sports — that you can contribute to.

Third, if you are entering trade shows, send your material to the trade show organizers. They may publish a show program and may be looking for interesting material that helps make their program appear more substantial.

**Distribution on the internet**

If you are catering to local customers you may think the internet is overkill. But you would be wrong. If you are trying to reach prospects in, say, the Lexington area, make sure you write your article so the search engines know your service focuses on the Lexington area. They will do a great job getting you exposure for searches like “wedding photography Lexington”, “Lexington auto detailing“, or “kitchen renovators in Lexington”.

Distribute your articles to as many key article websites on the internet as you can find. This will do three things for you. First, a lot of people will read your articles on these sites. Second, other sites interested in your subject matter will republish your article, exposing it to an even wider audience. And third, the major search engines will analyse and index your article and it will start appearing in searches.

**Using a professional article writing service**

You may not feel comfortable writing your own articles, and you may think it is much too time consuming to do your own distribution. That’s when you should look for a reliable service to do both of these things for you. You might be surprised to find out how many writers and promoters there are out there ready to go to work for you.

Look for a service that has a solid track record. They should be able to show you writing examples, and they should be able to give you a very good idea where they intend to distribute your articles. As with most other specialized services you will probably find it is a lot more efficient to let a professional do it for you than to try to do it yourself.

Picking Products on Clickbank

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When you are setting yourself up to be an affiliate on Clickbank, you almost go through overload.
Clickbank offers 10,000 products that you can pick from to sell online, each of which usually offers a pretty generous commission. The problem is how to go about picking just the right products to represent. You don’t have to worry about the merchants because under the Clickbank system, you can select a product and immediately start selling it and Clickbank handles all the commissions and interaction with the merchant entirely.

The anxiety comes because there are just so many products on Clickbank to pick from that you could make it a full time job evaluating all of these products. So developing a system to “drill down” into that massive catalog to products that not only make sense for you to sell but that will represent maximum profitability to you is essential. It will be a system that will help you narrow down catalog of products you will be excited about and a system that you can refine and improve as you get more familiar not only with the Clickbank products but with the tools they give you to evaluate those products.

The first and probably best way to “cut out from the herd” products that will work for you as a Clickbank affiliate is category. Clickbank has it’s merchants assign specific categories to all of the products that are in the marketplace. That way if you only want to sell adventure games, you can find that category of product and then get more specific about the particular products that appeal to you. There are two reasons category will be a big measure of your success selling Clickbank products.

One is that you know your niche market. You are going to take these products to a body of customers you know well. You know their tastes and they come to you to get products to fit their specific interests and the area of specialized knowledge that you share with your customer base. The second reason is that you know what you like to sell and what you are good at selling. You might flounder trying to sell self help courses in auto repair but be really good at selling ebooks about business. And the more you can combine the products you are going to sell with your particular market and your skills and interests, the better chance you are going to sell a lot of units and make yourself and the Clickbank merchant wealthy. That way everybody wins.

Using keywords similar to what your customers might use to find the products you are selling, you can narrow down the selection of products to just those you would want to sell. But Clickbank gives you a wealth of information that can be analyzed to make the decisions of which ones make the final cut. You can sort the product list you have developed by popularity to find out which of these products is selling well for a large number of affiliates on Clickbank already. It might be easy to want to pick the ones that are big sellers for lots of affiliates but use some judgment here. Remember also that if a lot of affiliates have picked up those products, the internet may be saturated with offerings of that product and you might have a lot of competition for selling the same Clickbank product offering. Look at trends of sales and see if you can find products that are increasing in popularity but not peaked yet. Those will be your money makers.

Popularity is not the only variable that can point you toward Clickbank products that will bring a good return on your effort to sell them from Clickbank. Note the commission level. As a rule only pick up products that offer a 25% or better commission. That means the merchant wants to share the wealth with and you will see a very healthy profit from the sales you make. Other variable limits should be that the product should have a percent of total sale of at least thirteen dollars or better, a 70% or better referral rate, low return numbers and a gravity of 50 or higher. By developing an evaluation system that combines all of these variables about the product under consideration, you have a great chance of picking winners and money makers from the Clickbank product library every time.

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Confessions of a High Paid Tutor!

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My name is Kasey Hammond and I am writing to celebrate my success in finding the perfect career for me.

I was killing myself over a job in which I was giving everything I had. As a Spanish major, I didn’t have very much business savvy and was eager to get into the market. This company was eager to hire me as I spoke fluent Spanish and they were looking to launch into the Mexican market.

After two and a half years, I did make it to one of the higher positions in the company but there was no where else to go & I was tired of working away for my rich boss and giving him all of my time and energy.

As I became disenchanted, I made of list of things I liked about my job… and the things I hated. I quickly realized that I was a servant to my job and hated it!

IT WAS TIME TO MAKE A DECISION!

While I didn’t like everyone I worked with (I am sure you can relate), I realized I have patience and a willingness to help people and want them to succeed. During this “soul searching” of mine, a close friend happened to tell me about the tutoring business and how she was working part time for a company. And the best part was she was making more money per hour than me and worked whenever she wanted to!

It was as if someone turned a light on for me! I realized I could be a tutor!

Being a tutor had all the benefits that I was looking for… and of course the great money making potential.

Now I don’t work 50 hours a week and come home exhausted, grumpy & still carrying around the grief from the current office b.s! Instead I come home energized and with the fulfillment that I have made a difference for someone.

Not only do I view my customers as clients but they are truly friends. I love getting emails or Christmas cards from past students or parents who are just checking in to say hi and give me an update on them.

But unfortunately, it wasn’t always this easy. I made several mistakes early on that still make me cringe!

It took me awhile, but I now have my business on auto-pilot and enjoy having clients begging me to be on my waiting list and happily paying my premium rates to work with their children.

Tutoring is a career that allows you to design your day around YOUR schedule and work however long or short as you want each day! (This is great when I have to run errands or be there for my family when they need me!)

I decided to publish an E-book detailing how to start your own tutoring business. I wish I had had this when I was starting my own business! It would have saved me some money and some grief!

My ebook gives you the secret to getting paid UPFRONT for multiple sessions before you even spend one minute actually working! (Your clients will be happy to write you a check for $300, $400, even up to $500 before you even get started!)

• The little known trick to getting teachers to refer all their struggling students to you directly! (This is a little sneaky but works incredibly well!)

• How to stay super busy in the so called slow summer months and actually make more than the busy school months. (This is optional only if you want… or vacation and take your summers off!)

• The #1 blunder new tutors make –- turns clients off like crazy –- and how to avoid it.

• How to market your services online with your own website and have clients calling you to get started! (You’ll love getting phone calls with people ready to send you a check!)

• Works with any subject – Even the less popular subjects… it doesn’t matter! My system puts money in your pocket whether you’re tutoring students who need help with Spanish, History, Chemistry, Math, German, or any other subject!

• 2 Ways to find your first tutoring student even when you don’t know anybody.

I made this easy for anyone to use. Once you understand how to use the same tutoring system and techniques that I use, you’ll realize that you don’t need any more special skills besides your specialized knowledge to get amazing results.

Tutoring is a wonderful career for so many people. It allows so much flexibility and the ability to make an hourly rate that truly equals what you are worth. You choose where you want to work, you determine your availability, the people you want to work with., your hourly rate and you choose the subject you want to teach! The time is right for you to reach out and start your own tutoring business and make a difference in someone’s life.

Car Dealers Can Suck You Dry With All The Extras

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It’s amazing how many people get ripped off after they have already closed the deal. You have the car you want, you got the price you’re happy with and then it happens. They get you on the extras and the warranties at that point and they can actually suck another $1000 to $4000 cash or another $100 to $200 a month.

The extras are things like rust proofing, scotch guarding etc. It seems pretty straight forward but you would be surprised at how many people get taken on these. What’s really amazing is that you get scammed on a car and say, “that’s not going to happen again!” Then 3 years later, Bam, what the f…… just happened???

The trickiest closing cost scam is the extended warranty because the language used is so confusing. This is not even the warranty that the factory gives you for the car. It is a warranty that covers the cost of fixing the car should it break down on you. To get around this, you have to know the dealer’s language and you should really get this part down. Now although extended warranties often do cover any repairs that you require during your coverage period, there is often some information that you are not told about.

For example, the extended warranty is usually effective only up to a certain amount of mileage or term period; whichever happens first. Make sure you have all the details on the terms if you decide to take on the extra auto coverage. The warranty might also only cover certain types of problems. If your extended warranty doesn’t cover every part of your car, why bother? It will cost you so make sure it’s worth it for you.

Some extended warranties don’t cover the larger engine problems or certain power train issues, but just cover the smaller issues. If your engine conks out, you may be left in the lurch. Don’t even bother considering buying an extended warranty if you are only leasing the car for a small time period like 36 months. Perhaps it is better only for longer periods of leasing like 60 months.

Many extended warranties don’t cover everyday wear and tear policies, only breakdown problems. If you do insist on getting an extended warranty, get one that covers you for both occurences. You will only really want to get a warranty on a more dependable car like a Lexus, Honda, or Toyota because extended warranties rarely cover the costs incurred in cars that are closer to the present time of purchase. You will also want to get a warranty that is effective immediately. You will also want to get a warranty with a well established finance company and not one that go belly up in a year.

Don’t purchase an extended warranty directly from the dealer. Instead look at sites on www.LendingTree.com for an online warranty because being online gives you all the time to asses your warranty properly. Keep a close eye out for your deductibles because you don’t want to get stuck paying for deductibles that you thought were covered by the warranty.

The following chart shows some of the extras that dealers try to get you on at closing. This can be very irritating how they try to weasel even more money out of you in the end on stuff that you really don’t need at all. I mean, you already paid a chunk of hard earned cash, but they see it as, what’s another $2000 or $3000?

Of course, when you hear them explain the extras, they will all sound like you need them NOW. It’s bad enough that they will throw them up at you but look at this table to show how much they are really ripping you off by.

Most Common Extras at Closing

Description
Rust proofing — Your price $800 — Dealers costs $40
Extended warranty — Your price $1200 — Dealers costs $300
Scotch guard — Your price $300 — Dealers costs $5
Car alarm — Your price $400 — Dealers costs $100
Paint sealant — Your price $300 — Dealers costs $10
Credit/insurance costs — Your price $200 — Dealers costs $30
Detailing, pin striping — Your price $299 — Dealers costs $30
Total of extras — Your price $3499 — Dealers costs $515
Extra monthly payment — Your price $97 — Dealers costs $0

As you can see, these extras when buying a car will get you in the end. If you can, you should avoid them all together. They are worth far more to the dealer than they are to you. Understand what you want and/or need and stick to your guns.

Tips On How To Manage Your Personal Finances (4)

Tips On How To Manage Your Personal Finances

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Whether you know a little or a lot about managing your personal finances, you can always benefit from knowing a little bit more.
Education is key when it comes to controlling your money. The article below discusses tips and advice to help you stay on top of your personal finances.

A useful personal-finance tip is to investigate different funding sources prior to shopping for a new vehicle. Local banks and credit unions can be terrific sources for advantageous auto finance rates, often beating the manufacturers’ captive finance arms. By arranging your own financing prior to visiting a car dealership, you can be certain of getting the very best rate possible.

If you are trying to repair your credit score, you have to be patient. Changes to your score will not happen the day after you pay off your credit card bill. It can take up to ten years before old debt is off of your credit history. Continue to pay your bills on time, and you will get there, though.

A good personal finance tip that can help you save money is to share an entree with your spouse or friend when you decide to eat out. Some restaurants serve portions that are too big for one person anyway. By sharing an entree, you’ll save a lot more money.

A great personal finance tip is to start improvising with your workout routine. You don’t have to spend a fortune on a gym membership or on expensive equipment. There are a lot of great body weight exercises that you can do at home, and you can get plenty of cardio done outdoors.

Giving children an allowance is a great way to introduce them to personal finance and teach them how to manage money. When they are given age-appropriate chores and paid for a job well done, not only are they motivated to continue doing good work, they are learning about responsibility and the value of a dollar.

Keep your checkbook balanced. It’s really not so hard and can save you the expense and embarrassment of bounced checks and overdrawn fees. Do not just call the bank for a balance and count on having that amount in your account. Some debits and checks may not have cleared yet, resulting in overdrafts when they hit the bank.

Read books about personal finance and make a point to do this consistently. Motivational books about personal finance keep you on your toes and help make you make great strides in this department. Dave Ramsey has some really great books out, and I definitely recommend his book “Financial Peace.” It is a great read!

By buying gasoline in different areas where it is more affordable, you can save great amounts of money if done frequently. The difference in cost can add up to savings, but be sure that it is worth your time.

Now that you’ve come to the end of this article, it is clear what you need to do to manage your personal finances so that they don’t spin out of control. Take what you’ve learned here to heart, and apply the information as necessary. You are now on the road to being financially independent.

Starting a Small Business Through a Car Club

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If you already have a job or even a career and are looking for ways you can earn a bit of additional money you may find some relief in your car club.
Many people in car clubs prefer to do business with other members and this makes the prime situation for making some additional money in a business geared towards cars. Some of the best options that are available may be looking you right in the face without you realizing it but harnessing your ability and the network connections you have from your collector’s car club could turn into a very profitable venture.

One of the first things you need to consider is what do you have to offer. Can you paint well? Do you have the supplies at your home to do the painting? Most car collectors at some point in time are going to want to paint at least one vehicle. The process is very expensive though, especially from businesses and most people do not have the time or space in their home to do it themselves. If you have the equipment and a bit of free time, it could be a great way to make some extra money.

Another way you can use the car club to create a small business is if you are good at working on cars. Not everyone has the time or knowledge to work on their own cars. Having the knowledge and tools at your disposal makes it quite easy for you to open up. Create an account at some auto supply stores and you should be able to get the parts for a nice discount, which can make it even more profitable. If you really love working on cars then this could be a fabulous way to earn a bit of extra money and turn your skills and connections into a nice stream.

If you are good at upholstery work, bodywork, or even detail cleaning those are other skills that you can use to your advantage in terms of making some money. Detail cleaning is especially important to most car club member’s right before a car show. Everyone wants their car to look the best possible and this includes those who do not have the supplies or who are just too busy to do the cleaning. This is a great way to make some money without consuming your entire schedule. It is very important if you are interested in using your contacts to your advantage for business purposes that you be able to demonstrate your skills.

This would mean that if you are interested in detail cleaning cars for others you should always ensure that your car is clean and organized. If you are interested in doing mechanical work, ensure that you know what you are doing, and also make sure you have the appropriate tools. For those who enjoy painting it is very important to have the tools and supplies that you need readily available and ensure that your vehicle always looks good. Your vehicle is your form of advertisement; you always need to ensure it shows the best image of you possible. Never take your vehicle out if it is running poorly, or in bad shape when you are using your skills to make money.

People who are willing to put forth some effort and really hone their skills are usually highly successful at making some money by working with the members of the clubs on ventures. If you are not willing to put for the a bit of effort then you are not likely to make much if anything. If you are good at talking to people, you may discover that it is a great way to supplement your income, or you may discover that the demand is so large that the business can grow even further and provide a complete source of income for you. With some work and time you are sure to find a lot of extra money can be made.

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