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With gas prices increasing many Americans are looking to scooters as a way to protect their pockets against the price of gas. While finding a fuel efficient alternative is a good decision, many scooter buyers are not protecting their pockets when it comes to scooter financing.

There are many options available when financing a scooter including credit cards, manufacturer low payment promotions, installment personal loans and financing for bad credit applicants. Educating yourself about the various types of scooter loans is important before you make a financial decision.

Here are some tips for you to follow:

1. Do not shop for a scooter that is too expensive: Today there are scooters that cost as much as $ 9000, but shopping for one of these scooters makes little sense if you can not get approved for financing.

Therefore, it is a good idea to shop online, and at your local bank for a scooter loan before you enter the showroom.

2. Watch out for low payment promotions: Manufacturers often entice you into buying a scooter with low payment promotions which structure payments as low as $ 39 for 2 years.

Low payment promotions look enticing, but are a very bad financial decision for you.

Fundamentally with low payment promotions you are only paying off the interest on your loan each month and very little is going towards the principal on your scooter.

Worse off at the end of the promotion your payment will double and your interest rate could increase to as high as 22.9% annual percentage rate.

3. Get an installment loan: Most low payment promotions mentioned above are on a manufacturer credit card.

Opting to get scooter financing with an installment loan is a much more wise decision.

With an installment loan the lender can not increase your interest rate or payment and your scooter will be paid off at the end of the term.

4. Consider a personal loan: If you walk in your bank and ask for scooter financing the bank may not have such a product.

Therefore you will likely have to ask your bank for a personal loan, which is basically a simple interest installation loan that can be used for recreational items.

A personal loan is a great way to finance your scooter and is much safer than a credit card or low payment manufacturer promotion.

5. Read the fine print: As your parents probably told you make sure you read the fine print before signing any loan document. Definitely do not enter a loan contract that you do not understand.

6. Do not borrow more than you can afford: There is little reason to purchase a scooter to save on gas if you borrow more than you can afford.

Borrowing more than you can afford will put you in a risky financial position. You must consider the cost of insurance, registration, maintenance and gear and choose a scooter that fits your budget.

7. Avoid zero down payments loans: Trying to secure scooter financing …

When you are shopping around, and getting different life insurance quotes, you should know a few tips that can help you keep your premiums and total cost down. Below are some helpful tips you can use to make sure that you never pay more than you need to for insurance, and that you can get the best deal possible.

Go online to check out life insurance quotes. It truly is the most effective way to check out different costs and see what will work best for you. Instead of having to call various companies for a quote, you can simply log onto a website and check multiple companies with a single click.

If you are part of a couple, then getting joint insurance can really help to cut the costs of your premiums, because they will be spread across two people. The down side to this is that the policy will only pay out once. Therefore, if your partner dies, you will get the payout, but then you will need to get new life insurance for just yourself.

Always sign up with a reputable company which can pay out the life insurance quickly when you die. To check and see if a company is reputable or not, read some online reviews about their services.

Avoid any extras that the insurance companies will try to get you to add on to your policy. Stick with the basics, as most of the add ons are not needed anyways.

Finding the best life insurance quotes is not difficult if you follow the tips outlined above. This will help you do everything you can to keep your costs down when shopping around for insurance. Remember these tips, and you will certainly find a policy that is affordable for you and your family. …

Life insurance is taken to provide security to an individual?s life against events like accidents or death. A life insurance policy is a contract between the insurer and the company that offers such a policy. Herein, the company agrees to pay an agreed sum of money or cash in case of an accident or death. Cash Life Insurance Settlement policy could be surrendered at times when there is a shortage of money. Hence such policies are sold for cash to meet expenses like medical treatment, inability to pay premium on time, and so on.

When such insurance documents are sold, policy sellers benefit by converting these assets into liquid money, which can be invested as and when needed. It proves profitable to sell off a policy, as it could be worthless if premiums are not paid in time.

Cash life insurance settlement companies offer a high amount on insurance settlements than what insurance companies offer. Usually such cash life insurance settlement companies buy policies from general public, and trusts and offer a fixed rate amount to policy sellers. Cash life insurance settlement company may be the principal beneficiary on the amount at the event of death of a document holder or when the policy matures.

Senior citizens who are above the age of 65 years may be required to sell cash life insurance settlements at times. This could meet emergencies when senior citizens may require money for their medical treatment and other needs. Hence, these cash life insurance settlements are sold to companies for a price that is a little higher than the purchase value. At times brokers bid for policies and whichever is the highest amount, is paid to such citizens. Policyholders may have the right to choose whether to opt for this amount or not as these policies may be worth approximately one hundred thousand dollars.…

Personal injury advice is often sent after getting injured from an accident. However, there is no exact and specific advice that covers all personal injury cases because every case is unique. To get specific advice, discuss a personal injury and how to get settlement for it with a reliable lawyer, health professional, and a therapist who can guide you to the actions you have to take.

Below are some general and easy-to-follow advice that you should take when making a personal injury settlement.

– First and foremost, if you are injured, you have to get immediate medical care. You have to tell your doctor what exactly happened so he can treat you accordingly. This can also help establish a detailed medical record that will be useful later.

– The next course of action you should take is to document the injury. Write down an account of the accident as soon as possible so that the details are still clear in your mind. Taking pictures of the scene of the accident is a good idea because the photos can also be used as evidence.

– If the personal injury is from an automobile accident, you will want to inform the police and your insurance company right away so appropriate actions will be taken.

– If your injury happens in the workplace, report what happened to your employer, boss or manager right away.

– Listen to all advice you receive from other people along the way, as some of them may be useful for you. However, do not make decisions impulsively. Think of the pros and cons of whatever action you wish to take.

The key to successful personal injury settlement, although it may seem counterintuitive at the time, is to record and document everything that has happened. Having detailed and tangible evidence is your best defense if your case goes to trial. And even if it does not, having a comprehensive and detailed paper trail at hand will enable better negotiating for you, and you will end up, hopefully, with a higher payout as well. …

We would all like to earn some money sitting at home. With everyone having an internet connection, this is something that is now practical for a lot of people. Making money using internet has become a trend in the last 10 years or so. Several people are now earning money using the internet. It's not easy, but it can be done with instant traffic coming to your site.

Before creating a website you will need to find out people's demand and keywords. Once you find people's demand "product etc." you can use a free Google Keyword Tool to find the best keywords. Only then you will be able to earn money using internet. Keep in mind you need traffic to make money off your website. One way to get instant traffic to your website is to sign up with Google AdWords.

Although it is not free, it is a great way to get traffic to your website. This method is the same as advertising your website in a newspaper. Another way to make money on internet fast is to use Pay Per Click (PPC). It's a small fee per click and you can get traffic from search engines with in the first fifteen minutes. But, if you want to learn a free method you can do SEO (takes time), article marketing and / or using You Tube and blogs.

Here are the 3 most common ways to earn money using internet.

One of the most common ways to work through the internet is freelancing. People who are skilled in writing, web designing or programming can bid for and complete projects for clients. There is no contract involved for a freelancer. Projects are usually one-off but can lead to more projects depending on the satisfaction of the client. The payment is made on completion of the project or as agreed between the client and the freelancer.

A very quick way to earn money through the internet is to sell things that are no longer required. This could be anything from vinyl records to old bicycles to paintings and cutlery. Though practically anything can be sold, some items sell faster than others. Most items can be auctioned through eBay, the world's largest online auction and shopping platform. Items that may seem to be worthless could easily turn into hundreds, if not thousands, of dollars. Not only that you can make your own product if your good with soft programming. It can be done and the earning by internet can be great.

One of the best ways to earn money using the internet is to become an affiliate. This reflects to promoting products like e-books and online programs or services by advertising on blogs or social media outlets. When someone buys a product through the link that is connected to the affiliate, the affiliate earns a commission. The commission could even be up to 75% of the sale value. One popular digital products retailer who accepts affiliates is ClickBank. People can make a …

Making it big in business can be extra challenging most especially in this digital age. The irony with all the existing marketing and promotion strategies is that it has also made the competition much stiffer and difficult.

Well, big businesses have it much easier because they have enough working capital to spend on print and broadcast advertising. They can also launch massive promotion campaigns among their target audience by conducting events. On the other hand, for small businesses, their resources are quite limited. They can do flyers, brochures, calling cards, among others. However, they would find it disadvantageous to engage into much more expensive advertising campaigns.

The coming of the Internet has changed the playing field drastically. This is because this new information medium has given small and big businesses alike an additional marketing strategy that is not as expensive as the traditional ones. In fact, it is so effective, most marketing and promotion strategies of many businesses are now concentrated on this medium, all exerting their effort to build a massive online presence.

Indeed, building an online presence definitely offers businesses the needed boost in terms of advertising. Here are some of the reasons why building an online presence can be very advantageous to companies:

It allows businesses to become more accessible to its customers. Online presence has allowed businesses to reach its target customers. In the same way, it has made it possible for customers to easily access businesses for possible services or goods that they would need without having to leave the comforts of their homes. This has changed the landscape of consumerism and most people would prefer transacting with businesses that can offer this kind of off-site service.

The online space can become a business’ office space. Instead of spending for rent or purchasing a physical office space, the established website and other social media sites can become an avenue where customers can go and inquire, purchase goods, or avail of services.

The Internet expands the reach of a business’ market. The physical world has so many limitations. A small business in a small town can only cater to its immediate locale. However, establishing an online presence has allowed small Asian stores to sell their goods to people in America without having to spend so much on advertising. Online presence literally opens a portal where business has become boundless almost surpassing geographical limits.

When used effectively, it can complement traditional marketing and advertising. Given that online media has yet to dominate the top-most sought after information media, advertising though print and broadcast still helps in reaching the more traditional customers. And, when used together, they will be able to craft a very effective business promotion strategy.

It can be used as leverage over competitors. If used properly, online presence can help a business boost its reps especially if its rivals in the market do not use this kind of promotional campaign.

However, building online presence is not just about setting up a website and uploading contents …

Once upon a time, if you wanted to build a sunroom onto your home, you would have to hire and pay a contractor to do it for you. But with the introduction of sunroom kits, that is no longer necessary. You can order a do it yourself sunroom kit from any number of sunroom manufacturing companies, who will then ship to you the elements that are necessary to put the room together. The idea behind sunroom kits is that you should be able to save money on getting your sunroom installed by putting it together yourself. Not only are you providing the labor, but you are also cutting out the 'middle man' in the process of building your sunroom. This allows you to save money on the materials as well. Plus, depending on the do it yourself sunroom kit that you choose, you can also save money on future energy and maintenance costs.

First, understand that the price of a do it yourself sunroom kit will vary depending on your home's particular situation. For example, if you are choosing to build a small, aluminum sunroom on top of an existing deck or cement slab, it will be much less expensive than building a block foundation sunroom with more windows and wood framing. If you have an existing deck or slab, then it makes sense to choose that location for the sunroom because it is already properly graduated and prepared. In that case, you can measure the deck or slab and get the proper measurements for ordering your kit. But if you do not have a slab or deck already, then you will need to decide on the proper location for your sunroom. You will also need to grade and prepare the area before you can begin construction. This obviously changes the amount of work that you will be requiring of yourself when installing your do it yourself sunroom kit. Of course, you could always hire a contractor to put in the slab for a block foundation sunroom, and then build the rest of it yourself.

Choosing the Type of Do It Yourself Sunroom Kit

When you are ordering a sunroom kit, realize that it is typically designed for a sunroom that is not going to be connected to your HVAC system. If you want your sunroom to be heated or cooled by your existing system, then that is probably not a project you will want to take on with your do it yourself sunroom kit. Otherwise, you'll be relying on fans and portable heaters or coolers to keep your sunroom comfortable. Depending on the climate where you live, this may be just fine for you.

Getting a quote for Your Sunroom

Companies that provide do it yourself sunroom kits have a number of standard sizes and types that they are ready to provide for you. These are the least expensive options because they are able to mass produce them and package them at a savings to them, which they will …

After just about any meeting, successful or note, it never hurts to follow up with a thank you note. It shows you respect your client’s time and even if your product wasn’t a good fit this time, your client knows you’re a courteous, professional colleague he’d like to do business with again.

Email or snail mail? You know best; think about the client’s company culture. Usually email is fine, especially if you’re thanking for something informal like time.

Your tone is also something only you can gauge. When in doubt, more formal is better. You don’t have to be cold or stuffy but do be respectful.

Here are a few examples you can customize to your own situation.

Example 1:

Dear Todd,

It was a pleasure meeting you yesterday. Your ideas on new approaches to sales in our region were insightful and a great help to me. Thank you for making time to meet with me and for sharing your thoughts.

Sincerely,

—————————————–

Dear Dr. Price,

Thank you for seeing me yesterday. I appreciated the chance to discuss our new products with you. Your opinions are always helpful and interesting. I hope the latest product will fit your needs.

It’s always a pleasure to see you!

Best Regards,

—————————————–

Josh,

It was a pleasure to finally get a chance to meet you today. Your research project sounds very interesting and offers a compelling value proposition to to the mobile phone carriers. As discussed, my team has done extensive work in the type of data collection that your research requires.

Please let me know if I can provide you with more details about how we would work on the project.

Look forward to speaking with you soon.

—————————————–

Dear Paul,

Thank you for your time today. Jack and I very much appreciated your input on our new business development strategy. I know that you have a number of demands on your schedule right now so the fact that you took as much time as you did to guide us is even more welcome.

We will be sure to circle back with you when the plan is finalized in order for you to provide your stamp of approval as well as any final comments.…

The terms seem to be used interchangeably on many websites and travel books. It becomes even more confusing when some companies sell their boots as ‘trekking boots’ and then proceed to state that they can be used on long hikes. And when is a walk a trek and when is it a hike? It becomes even more confusing when the word trekking is used to refer to the ascent of a mountain, like Island Peak or Mera Peak in Nepal, both over 6000m and both requiring the use of technical climbing gear. How can they be called ‘trekking peaks?’

The term ‘hiking’ is often used to refer to day walks in natural surroundings, on clearly marked paths. It is undertaken for leisure, recreation and the purpose of exercise. A small day pack is used to carry water, light weight fleece and snacks. In places such as Canada and New Zealand, the term is often used interchangeably with rambling, hill walking or tramping.

‘Trekking’, by contrast is considered to be more strenuous, covers greater distances across varying terrains, and requires camping over night and carrying heavy packs with food, sleeping bags and gear. The term is actually derived from the Afrikaans work, trek, which comes from the Dutch word, trecken, referring to a lengthy and arduous journey over vast distances and often, unchartered ground. It is often associated with the migration of people across land from one area to another.

Does this mean then that if a day hike is difficult, over rough ground and through thick forest with no paths, that it is a trek? In Australia, they would call this bushwhacking, and in other places they call it stamping. When you visit the Mountain Gorilla in Rwanda or Uganda, it is a one day hike, but through dense forest, over very uneven and difficult terrain. No wonder there is so much confusion.

But let us not end the confusion there. Anyone who has tried to take out travel insurance to cover their ‘trekking’ or ‘hiking’ trip, will have discovered that these activities are often listed as ‘hazardous pursuits’. In fact, some insurance companies even lump terms like hiking and mountaineering together as through they can be used interchangeably or are synonymous The there are other companies who classify any hikes over an altitude of 2000m as mountaineering. Sorry Scotland, but it means that your famous peak, Ben Nevis (1352m), is not a mountain after all but simply a trekking peak?

Perhaps the best way to look at it is that a trek is generally completed over several days made up of hiking, hill walking, tramping and bushwhacking.

At the end of the day, does it really matter? It is all about semantics and interpretation. The most important thing is that you enjoy it.…

My personal development journey started around 2008 when I got involved with network marketing or multi level marketing business here in Singapore. (I started this blog around May 2009) This was further reinforced when I was exposed to Jim Rohn's philosophies. From then on, I have lived by his philosophy on "Work harder on yourself than you do on your job." This changed my perspective in life as day by day, I got excited in developing my skills in communication and building relationships. I was a voracious reader of books and a student of life and people. Another related philosophy by Jim Rohn, "Formal education will make you a living; self-education will make you a fortune." I believe this is true and that's why I was committed to a never ending personal development.

Here are some benefits that I have experienced:

  1. Direction – Before I just let the days passed by, but now I make sure to learn from the day. I've learned how to set goals and priorities in life to distinguish minor and major activities. It helped my personal responsibility to take charge of myself instead of engaging in petty discussion about whining, blaming, and excuses.
  2. Self-esteem – I've learned to love myself and feel good about myself. Itave me a sense of confidence to achieve things that I set my mind to. This is where I learned to shape my values, beliefs and philosophies.
  3. Association – it helped me connect to like minded positive people. The law of attraction really works as I was able to meet highly successful businessmen, entrepreneurs, best selling authors, and life coaches both offline and online. My attitude is greatly shaped from the influence and association of people with high values. Get around people who have something of value to share with you.
  4. Relationship – Aside from a better relationship with myself, my relationship with my family and friends dramatically improved. I've been always consistent to say "I love you" to my wife and my son. You see, if I improved myself ten times, imagined how much will it affect my family and friends. It was so inspiring to hear from friends that I was able to help them with their lives. I tend to listen and be more interested than talking a lot.
  5. Discipline – I must say that this word bridges the gap between goals and accomplishment. A good example is a practice of a healthy lifestyle. I developed a conscious thought about the food that I eat, or a regular jog around the block, or an aerobic exercise in my room.
  6. Spiritual – Most of the personal development or motivational experts that I listened or read to, have a strong faith in God. They even used the bible in their teachings. What more, joining a religious community even increased my faith further.
  7. Integrity – I am still a learner in this field yet it is the most important of all values. Trust is based on integrity and being able