Money Rant

By Haywood Dickerson

 If you are considering the purchase of your first car or even your next vehicle if you’re not a first time car buyer, you may be concerned about the prospect of financing your vehicle. This concern is not totally unfounded. There are numerous pitfalls that can occur when financing a new vehicle, especially if you plan to use dealership financing. In order to avoid running into these problems, and possibly stalling your purchase read the tips below.

First, understand exactly how important your credit score is to your auto loan application. Even when working with a dealership loan department, be aware that your credit history will be run and your credit score will have a major impact on your ability to obtain an auto loan as well as the terms you are offered. Ideally, it is best to stay on top of things and get an idea of the condition of your credit history yourself before you even step foot into the dealership. Look to make sure there are no errors on there that could be dragging down your score. If your credit score is not in great condition and it is not due to errors, consider delaying the purchase of a vehicle until you can clean it up by paying down some other debts and improving your bill payment schedule; both of which will help to raise your credit score. Remember, a low credit score can prevent you from getting a better interest rate as well as the loan itself.

Many people make a list before they go shopping to ensure they won’t spend more than they intended. A similar technique can help to ensure you won’t spend more than you can afford while car shopping. Make a list of what you’re looking for in a vehicle, the features that are important to you and set a price range you can afford to spend. Keep in mind that you should not plan to spend more than 20% of your monthly income.

Take the time to do your research and understand current interest rates as well as the price range for the features you have determined are important to you. This will help you to be better educated and less likely to be taken advantage of when it comes time to discuss terms of the loan.

Be aware of your options. Find out whether any rebates or special offers are available for the cars that interest you.

Never, ever sign anything unless you have gone over the purchase contract with a fine tooth comb. Far too often, extraneous charges will be tacked on that may not be really necessary. If you’re not sure of the reason for a charge, ask before you agree to pay it.

Don’t allow yourself to be pressured into anything. If you need more time to think, take it. Walk out of the dealership, think about it and make your decision on your own time. Salesmen are excellent at driving up the pressure and creating an inflated sense of ‘time is of the essence’ but that doesn’t mean you have to fall for it.

By doing your research ahead of time, knowing what you want and what you can afford to pay for it while maintaining a cool head you will be in a better position to purchase the car you want without running into any pitfalls that could cost you big in the long run.

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Are Your Finances Prepared for Disasters?

By Mervin Hester

 Home is where most people feel safe and comfortable. But sometimes - say, when a hurricane, flood, tornado, wildfire, or other disaster strikes - it’s safest to pack up and go to another location.

When it comes to preparing for situations like weather emergencies, financial readiness is as important as a flashlight with fully charged batteries. Leaving your home can be stressful, but knowing that your financial documents are up-to-date, in one place, and portable can make a big difference at a tense time.

Here are some tips for financial readiness in case of an emergency:

Conduct a household inventory. Make a list of your possessions and document it with photos or a video. This could help if you are filing insurance claims. Keep one copy of your inventory in your home on a shelf in a lockable, fireproof file box; keep another in a safe deposit box or another secure location.

Buy a lockable, fireproof file box. Place important documents in the box; keep the box in a secure, accessible location on a shelf in your home so that you can “grab it and go” if the need arises. Among the contents:

- your household inventory

- a list of emergency contacts, including family members who live outside your area

- copies of current prescriptions

- health insurance cards or information

- policy numbers for auto, flood, renter’s, or homeowner’s insurance, and a list of telephone numbers of your insurance companies

- copies of other important financial and family records - or notes about where they are - including deeds, titles, wills, birth and marriage certificates, passports, and relevant employee benefit and retirement documents. Except for wills, keep originals in a safe deposit box or some other location. If you have a will, ask your attorney to keep the original document.

- a list of phone numbers or email addresses of your creditors, financial institutions, landlords, and utility companies (sewer, water, gas, electric, telephone, cable)

- a list of bank, loan, credit card, mortgage, lease, debit and ATM, and investment account numbers

Social Security cards

- backups of financial data you keep on your computer

- an extra set of keys for your house and car

- the key to your safe deposit box

- a small amount of cash or traveler’s checks. ATMs or financial institutions may be closed.

- Consider renting a safe deposit box for storage of important documents. Original documents to store in a safe deposit box might include:

- deeds, titles, and other ownership records for your home, autos, RVs, or boats

- credit, lease, and other financial and payment agreements

- birth certificates, naturalization papers, and Social Security cards

- marriage license/divorce papers and child custody papers

- passports and military papers (if you need these regularly, you could place the originals in your fireproof box and a copy in your safe deposit box)

- appraisals of expensive jewelry and heirlooms

- certificates for stocks, bonds, and other investments and retirement accounts trust agreements

- living wills, powers of attorney, and health care powers of attorney insurance policies

- home improvement records

- household inventory documentation

- a copy of your will

Choose an out-of-town contact. Ask an out-of-town friend or relative to be the point of contact for your family, and make sure everyone in your family has the information.

After some emergencies, it can be easier to make a long distance call than a local one.

Update all your information. Review the contents of your household inventory, your fireproof box, safe deposit box, and the information for your out-of-town contact at least once a year.

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The h4h.biz System

By Haywood Dickerson

 The object of any business is to earn money. The exciting part of internet business is that ordinary people can still make extraordinary income online. However, the market is huge, global, and getting larger, more complex, by the minute. This means income margins are shrinking and competition is expanding.

Leverage then becomes an important part of a business plan. So what is leverage and how can it be used for your business? The entire meaning and application of the word is intentionally obscured by success. The KEY is what some gurus call cracking the code. The h4h.biz approach is to expand the meaning and use of the word “leverage” to apply to each of the key aspects of building your internet business.

If you have checked out or tried any of the opportunities available today, you probably have noticed they all approach the market with a new, special, different, better, or some other very descriptive view of a system. What this indicates is a single basic system that is differentiated by the way it is used.

For example, what makes the h4h.biz system different? Let’s start with 5 main benefits. First, the h4h.biz system is not rigid or unalterable. It is designed to be flexible and adaptable, to promote growth, and maintain steady streams of multiple income.

Second, a basic trend in business is product life cycle. This means every product will enter the market, grow until it reaches its peak sales potential, then drop off to decline, and either stabilize or disappear. The products that become stable usually enjoy a long life cycle. Marginal products tend to just come and go. By recognizing the character and position of a product in its life cycle, significant benefits arise when leveraging your time and money investment as a means to profit from both stable and marginal offers.

Third, because h4h.biz is adaptable and leverages income based on product life cycle, it doesn’t matter when you subscribe or what programs you are already part of, you will be able to benefit from information as it is made available.

Fourth, h4h.biz presents both established and speculative opportunities. They are used as reference for comparative analysis. You may benefit by using the information from the free reports and training material to improve performance of your existing investments, whether you choose to buy the product or not.

Fifth, subscribers can opt to leverage higher return on investment in newer rapid growth opportunities independently or in partnership with h4h.biz. Some speculative opportunities are posted on the h4h.biz web site and others are managed as joint ventures.

How To Leverage Income Opportunities is generally a 3 step approach on how to prepare, launch, and manage your online business. More specifically, it’s based on well established methods to develop content, traffic, pre-sell, and monetizing skills.

The next article will introduce you to organization techniques. Although some of the ideas are quite well known, shortcuts, secrets, and sidesteps are always popping up in unexpected ways.

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