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Hide That Car! Fighting the Repo Man

Vehicle repossession may appear justified in circumstances where a person is generally being irresponsible and otherwise able to meet this financial obligation. However, what about that hardworking guy or gal who paid their automobile note dutifully for three years, and missed one payment? Why should their car be repossessed?

Basically, the lender owns your car until it is paid in full. Therefore, one missed payment is considered a breech of your agreement. It gets worse. After they take your car, they can sue you for what is called deficiency. Deficiency is any amount still owed on your contract AFTER your lessor sells your repossessed vehicle at–let’s say–an auction. Often they sell the car for less than they expected you to pay to get your car back. What do they care if they are going to sue you for the difference anyway?

I’ll explain it this way: Imagine paying $18,000 for a vehicle over time with maybe $5,000 left before the car is yours. You lose your job and fall behind a couple of months with the payments. Your vehicle gets repossessed. Now you must pay triple the amount of the two months you were delinquent because of added repossession and storage costs. You cannot come up with the money, so your car is sold at an auction for $1,500. The worst part: you are sued for the remaining balance of $3,500, plus the repo costs! What is the point of this? If they are going to sue you for the unpaid balance anyway, why not just give you the opportunity to pay the bill? Wouldn’t they come out better in the long run? Duh!

The repo man doesn’t care that your finances are in limbo because you have recently divorced or that your employer informed you in the eleventh hour that you were being laid-off. The repo man only cares about the fees that they will receive once they recover your vehicle. So, you must protect yourself.

Here’s an old fashion remedy for fighting the Repo man: If you know you will be able to come up with the money needed to pay your outstanding car note in a couple of months or so, switch cars with a friend until you get your finances straight. Better yet, HIDE IT in someone else’s garage for a while. Make sure it is someone you did not list as a reference on the credit application because the Repo man will definitely check their addresses in search of your vehicle.

I know a guy who switched cars with his brother who lived in a different state. Within three months, he straighten out his finances and paid his three month delinquent car note to date, plus late fees. He saved himself the high cost of repossession and storage fees, deficiency costs, and the embarrassment of

having his car repossessed (neighbors do watch).

The trick is to stay a step ahead of the repo man. Know their moves before they strike. This will help you prevent …

Six Types of Human Values

Human beings need different things to live in this world. However, nothing in this world is available free of cost. Everything has a price and one has to pay the right price to get ones need satisfied. However, we value the things based on our needs and the needs depends on the basis of our value system.

First, there are basic necessities like food, water, air, shelter, and clothing without which survival of the body itself is not possible. However, once these necessities are satisfied, man moves to satisfies his higher needs like the social needs, security needs or the need of self-actualization.

However, every person does not follow the same path as his path would depend on the inherent values ​​of the person. These inherent values ​​are accepted by the man by virtue of his nature and also by his nurture. The effect of the family, society, nation and individual makes every person unique as he develops a unique set of values. These values ​​decide the priority and lifestyle of the person. The values ​​make the personality of the person and decide the growth of the individual, family, society, nation and the humanity.

1. Individualistic Values

The most inherent value of a person is individualistic which means valuing the self over anything else in the world. This is also the most natural value which is inherent in every animal of the world. The animals live for themselves without much bothering about the other animals. The only exception would be the mother animal which takes care of her child animal till the child grows up enough to support itself.

The modern world has been moving more and more towards individualistic values ​​where the interest of the individual is considered to be the most "right" and needs to be protected over everything else. The individualistic value support freedom as it believes that every person has the right to decide what is good for him.

Every child starts with individualistic values ​​and he wants everything in the world for the self and wants everyone to serve him. When the need of the child is not satisfied, he cries and do everything to get the need satisfied.

2. Family Values

The human specie may be the most powerful specie in the earth but it is also true that human specie is also the weakest specie. A human child does not learn to even walk for one year. If the child of the man is allowed to survive of its own, it just can not survive. The support of family is must for the growth of every human child. It is for this reason that human specie over the year has invented the concept of family that lives like one unit and supports a new born child till it becomes strong enough to support itself.

The concept of family has given rise to the family value where a family is considered to be the basic unit of the society instead of the individual. The …

Writing For Business – The 8 Parts of a Personal Business Letter

What is a personal business letter? It is a letter that and written by an individual and mailed to a company, business, or government agency. It is more formal than a personal letter or note.

There are eight parts to a personal business letter as follows:

  1. Return Address: this is your address, do not include your name, and list your street address, apartment number if applicable line 2, your city, state and zip code all on one line. Spell out the full name of the city and state (the official Post Office Abbreviation is acceptable also) and add the zip code. Note: if you are typing the letter on letterhead that already includes the address this part is not needed.
  2. Date: Enter today’s day on the next line. Spell out the full month, comma, date, comma and the year in 4 figures such as “2011”
  3. Letter Address: This area has whom the letter is sent to and their complete address. Write out the person’s full name on the first line:The street address goes on the next line or two as required.Write out the full name of the city, the Postal Abbreviation for the State followed by the zip code.
  4. Salutation: This is a formal greeting. Usually “Dear” followed by formal titles, i.e.: Mr., Mrs., Miss, Dr., or Reverend. If you are writing to a woman and do not know her martial status or which title she prefers “Ms.” Is acceptable. Follow the title by either the full name or just the last name.
  5. Body: This is the most important part of your letter. Use paragraphs properly. Be short and to the point so the recipient quickly knows the purpose of your letter. Give enough detail, but don’t use more words than needed.
  6. Complementary Close: Use phrases such as “Sincerely yours,” or “Yours truly”. Capitalize the first letter of the first word, lower case for the second word followed by a comma.
  7. Sender’s Name: This is where your name goes, skip four spaces between the complementary closing and your typed name. Use your first and last name.After printing the letter, sign your name between the complementary close and your typed name.
  8. Enclosures: If you are including any documents with the letter, such as a resume, product sample, or other explanatory documents, show that there is an enclosure by typing “Enclosure(s)” one line below the closing. You may list each enclosure by name, this is a good way to make sure that the recipient knows exactly what is in the envelope.

These are the parts and order of a personal business letter. It is assumed that you are personally typing this letter yourself, so there is no need for the typist’s initials.…

Uses of Audited Financial Statements

There are many uses of audited financial statements. Some of the common uses include submitting to the relevant authority such as company commission and tax offices. These are the two interested parties of these statements. Other interested parties include investors, creditors of the company and shareholders as well.

So, what are the purposes of audited accounts and why is it has to be audited before presenting or submitting to the relevant interested parties? Let us discuss some of the reasons as follows.

One of the main purposes of audited accounts is to provide the accountability, accuracy as well as financial credibility of a business. This is because all entities whether they are public owned or privately owned has to prepare a complete of accounts on their financial performance and position.

A unqualified audited report indicates that the financial statements prepared for a business are free from material misstatements, found to be correct and presented fairly according to general accepted accounting principles.

Another important reason of having your accounts audited is that it gives interested parties such as bankers and shareholders an unbiased opinion with regard to the credibility and accuracy of the accounts prepared by a company.

Interested parties especially bankers use audited financial statements to assess the financial performance and position of a business for loan approval purposes. Therefore, it is always mandatory for a business to submit its audited financial statements to the banks if they need assistance from the banks.

In a nutshell, audited financial statements are used by many parties. Thus, it is important for a business to keep its accounting records properly and on a timely manner.…

Government Grants For Personal Debt Elimination – Golden Tips

Most people do not realize that there are billions of dollars in debt relief government grants. If you are in trouble with a huge personal debt, i.e. credit cards, loans etc., you should seriously think about going for a debt relief government grant while there are still funds available.

Why not get a loan? A bank loan requires collateral or some form of security deposit to cover for the amount loaned, in case it does not get paid back. It is much easier with a grant because it does not require either of these.

Here are several golden tips to help you with government grants:

Take A Look At Your Situation

You should be prepared by taking a close look at your financial debt and income before applying for a grant. Then, you will be aware of exactly your debt to income ratio. The individual that receives your grant application will ask this, while going over all your finances.

Their job is to basically, check if in you could use some other method than getting a debt relief government grant. For instance, they may ask if you can sell some assets? However, with credit card or loan high debt against a low income, there is an excellent chance that you will get a grant.

Have All Document’s Information Match

With millions of people applying, the government is determined to make certain the money goes into families that need it the most. They will compare everything of yours to their forms to may sure it is consistent with what you have told them. Try to fill any governmental forms at home where you can take your time to be correct and match it to your records.

Know What Is Required

It is a good idea to know what the debt relief government grant offered by the Obama administration requires to see if you are eligible. You need to be an American citizen, over the age of 18, and in desperate need of personal debt relief.

How Much Can You Get?

The Obama administration grant department has stated that no individual with have their entire debt paid for. However, applicants could receive from thirty percent to eighty five percent covered. If you have had an emergency, hospitalization, damage from a severe accident to your house or car, the debt relief government grant official may approve the grant due to a personal financial catastrophe.…

What Are the Top 5 Ways to Influence Business Decision-Making?

You have spent years in building your technology – and the next step will make or break you.

What is this next step and what should you do right now?

What I am about to describe is what separates a successful entrepreneur from an also-ran. More than anything else, it is about the decisions the winner makes around how to spend their time.

Unsuccessful entrepreneurs do things that feel safe doing, such as creating product. Successful entrepreneurs understand that the product is a fraction of the business.

So what things should you be doing? And even more importantly, what are the most important things you need to understand about how other people (customers, prospects, investors, top new team-members) will make decisions about you. Winning entrepreneurs are great at addressing: they invest their time in learning how to better understand buyer-need and address it; They understand investor-need and address it; And understand how a top employee selects a company to work for and address it.

There are 5 things to think about now that your product is looking good

1. Why should anyone care about what your company does or produces? (Do not assume you know your market – ask them).

2. Where is your market and how will you reach them?

3. What's new, interesting, or different about what your company provides?

4. How will the company make money?

5. Who are you and why will you win?

There are plenty of articles that will tell you the same thing. What they will not tell you is this next secret about decision-making. In answering these questions you need to address not just the spoken question, but the unspoken question.

1. Did I get an immediate sense of what your product is and why it's important without having to do any work?

2. After hearing you, do I feel enthusiastic about you and your offering?

3. Do I feel like I have heard strong evidence of there being a "wave to surf"?

4. What is the compelling story about how these real real pain today?

5. Do you have bold claims about market-size and your ability to pull-it-off, and after hearing this am I intensely curious to find out more?

What are 5 things you can do differently that will address each of these 5 "real reasons" that will have someone buy your product, join your outfit, invest in your company?

1. Select a foundational phrase. A foundational phrase is a ten-word memorable, repeatable, remarkable phrase (such as "we network the networks" – Cisco; "the third place" – Starbucks, "1000 songs in your pocket" (Apple's iPod), that capture the essence Of your product / company. Stop working on perfecting the product and spend the hours on getting this right.

2. Learn to speak in a more interesting way by doing two things differently. First – select a metaphor that describes your product and its benefit, eg: "selling without using metaphors is like running a marathon barefoot – it is possible, but …

Jim Rohn Review – Scam or The Real Deal – Jim Rohn Success Review

Jim Rohn has a long trail of success and business philosophy that has helped motivate and inspires tens of thousands of people. Not too long ago someone said to me, Jim Rohn and those type of guys are scams, they just want your money and they are not the real deal. This Jim Rohn review will review a little about himself as well as some of his principles on success.

Jim Rohn is a renowned business philosopher, who has been sharing his success principles for more than 40 years, with more than 6,000 audiences and more than 4 million people worldwide. He is the author of 17 different works including The Five Major Pieces to the Life Puzzle and th Challenge to Succeed audio series.

By his own account, he was born to an Idaho farming family in the mid 1900s. Mr. Rohn began his early adulthood without acclaim, leaving college after his first year, starting a family, and trying to get by as best he could as a salaried worker. By age 25, according to his accounts, he was in a personal rut familiar to many middle class families – in debt, unable to see a way that would lead to his personal ambitions. Around this time, he was introduced to John Earl Shoaff, an entrepreneur who impressed Mr. Rohn with his wealth, business accomplishments, charisma, and life philosophy. Mr. Rohn joined Mr. Shoaff’s direct sales organization and began a process of personal development that allegedly culminated in his becoming a millionaire by age 31.

Jim Rohn has been said to have been very instrumental in launching the careers of other well known sales and motivational speakers such as Tony Robbins, Les Brown and Brian Tracy.

Some Jim Rohn’s success philosophies include:

  1. Set Your Sail – or in other words the way we think. The greatest challenge of life is to control the process of our own thinking.
  2. Learn from Success and Failure – Study those that do well do what they do and learn from the failures of other people.
  3. Read all you can – Take head to those that have taken the time to write the principles of success that have guided them.
  4. Keep a Journal – Jim Rohn states, “This is one of the best guides for making good decisions”
  5. Observe and Listen – Pay attention and watch what is going on around you.
  6. Be Disciplined – With careful mental preparation we can make wise choices.
  7. Don’t Neglect – Neglect is the major reason why people don’t have what they want.

In conclusion, Jim Rohn is not a scam, rather a man of wisdom and experience in helping others and himself achieve the success they desire. He is full of great information and guidance as you journey towards a life full of abundance and personal satisfaction. I would highly recommend reading material published by Jim Rohn as well as those whom he has inspired such as Tony Robbins, Les Brown and Brian Tracy.…

Start a Scrapbooking Business of Your Own

There is a growing global demand for the preservation of memory in the most unique and wonderful way. And scrapbook is the answer to that demand. Arguably the fastest-growing home business in the US, the scrapbook industry today is generating revenue of US $ 2.55 billion per year – the number may double if we take into account the global scrapbook industry.

The demand for scrapbook will likely to keep growing. Hundreds of million of people get married, travel, and give birth every year – and this provides the opportunity for scrapbook industry to keep expanding. With around 2.3 million weddings in the US alone, there's already a huge market in the states for scrapbook businesses. But there's no need to confine yourself to the US; Japan and South Korea are ripe for picking – and they do not have too many experienced scrapbook artists to help them. Scrapbooking business is ripe for picking.

So now that we know the huge potential to generate profit from your hobby, what are the steps you need to take to start your own scrapbook business? Let's take one step at a time.

Step 1: Make up Your Mind

It all starts here. Decide that you're ready: "I'm ready to run my own scrapbooking business." Find a spot in your house. Pick a day on your calendar.

Step 2: Decide on an Area

There's a spectrum of business opportunity in the scrapbook industry: scrapbook retail, scrapbook consulting, scrapbook product design, and, of course, you can choose to become a professional scrapbook artist. That last option is perhaps the most appealing for many scrapbook enthusiasts. It has minimal start-up costs (you really can start with almost nothing!), Work from home, choose your hours, and make money. Lots of money, for many professional scrapbook artists. See, a lot of people like the look of scrapbooks, but do not have the time, knowledge, or creativity to do it themselves. And, as with other service businesses such as professional organizing and interior design, it's easier for some people to hire out than to do it themselves.

Step 3: Get Information

This is the critical part. The largest reason a small business fail to take off is because of lack of planning, due to lack of information. Your first order of business is to get as much information on your business plan as possible. How much should you charge? Where to get resources at a bargain price? How to get and retain clients? These are just some questions a scrapbooking business owner should ask herself. There are some free resources in the internet, but you should not be too thrifty spending some capital to get more quality information. Buy books, e-books, and newsletter or magazine subscriptions. How much you should spend? I always say $ 100 to $ 200 is still very much acceptable to spend on these valuable information. You need to equip yourself – your business' greatest asset – the best way possible. Get those valuable information. …

How to Ask Him For Money – 6 Point Guide to Profitable Sugar Daddy Dating

It’s all about the right way you should ask him for money or gifts. Rich men are happy to provide for their sugar babies, lovers, mistresses and they know they are expected to. If dating sugar daddies is your primary means of income, then read on for six successful tips and mind games that can help you with getting more out of the relationship. Even if you already have a monthly allowance, there are always ways to get a little extra.

Important thing to remember is that you cannot be obvious about it. You need to set the mood for him to spend the money or buy you things of his own free will, maybe even make him think it’s his own idea. Be creative.

1. Show interest in sport cars, learn to talk about cars, about hp, torque, latest high-end models.

The intention of course is to get him to buy you a new car. Have a few car magazines spread on the table when he arrives, ask him for advice on financing a lease etc, make car jokes. If he has a sport car ask to drive and be enthusiastic about it. Keep it up and in a month’s time you’ll be driving your own.

2. Show interest in some course or seminar, like massage, playing a guitar, creative writing etc, something that you genuinely want.

You want to get him to pay you for the course. Talk about it with passion, mention how you envy a friend that is very good at it. If all else fails, watch TV shows on that subject when he wants to watch football. Make sure he gets the message.

3. Get him to buy you a new dress so he will look better with you

At the end of the day, rich men are largely driven by vanity. He wants to have a bigger home than his neighbor has, better car than his colleague on work, prettier girl than his boss’s date. So play that angle, but make sure to comment on how good the other man looks with his date, not how good the woman herself looks. You want to get him to envy the other guy and then show off by showering you with expensive gifts you can wear.

4. Say you miss your relatives that happen to live far away.

You haven’t seen your aunt Marry for such a long time, you wonder how much little Jeffrey has grown. Ask him to come with you, chances are he won’t be interested but he will buy you a first-class ticket to go there and back again. Enjoy the trip.

5. Ask him how he manages his money and how he became so successful

The point is to get him to open a savings account for you and teach you how to invest and reinvest your savings. Most banks offer higher interest rates if your account is higher, try to get your sugar daddy to put some money in your …

Barriers to International Business

Firms desiring to enter international business face several obstacles; some are much more severe than others. The most common barriers to effective business are cultural, social, and political barriers, and tariffs and trade restrictions.

The first one to effective business is the cultural and social barriers. A nation’s culture and social forces can restrict international business activities. Culture consists of a country’s general concepts and values and tangible items such as food, clothing, and building. Social forces include family, education, religion and customs. Selling products from one country to another is sometimes difficult when the cultures of the two countries differ significantly. For example, when McDonald’s opened its first restaurant in Rome, it was met with protest. The people of Rome objected to the smell of hamburgers frying. McDonald’s overcame this objection by changing the exhaust system of the restaurant.

The second barrier is the social forces that can create obstacles to international trade. In some countries, purchasing items as basic as food and clothing can be influenced by religion. In many nations, individuals do not have the same choices in food, clothing, and health care.

The third one is political barriers. The political climate of a country can have a major impact on international business. Nations experiencing intense political unrest may change their attitude toward foreign firms at any time; this instability creates an unfavorable atmosphere for international trade.

The last one is the tariffs and trade restrictions. Tariffs and trade restrictions are also barriers to international business. A nation can restrict trade through import tariffs, quotas and embargoes, and exchanges controls.…