Business Finance, Loans And Debt

Repo Cars Online always recommends that consumers educate themselves on loan terms before signing any binding contracts when financing a vehicle. Your interest rate will be one of the most important things when it comes to financing a vehicle. The reason for this is because it will calculate the amount of money you will be charged on the money you borrow. Usually interest rates on auto loans are fixed but sometimes they can be adjustable. A fixed interest rate 15000 kr is the best way to go because it is a set amount for the entire life of the loan. On the other hand a variable interest rate can move up and down which could potentially cost you more money. Therefore, if you have a variable interest rate that is prime plus 2% your rate will always be two percent above prime. Whenever the prime interest rate that banks use goes up, so will your auto loan. Sometimes the rates go down which could save you money but this can be a risky gamble. Since fixed rates don’t change they will ensure you the safest and best bet.

A fixed rate will be the same through your entire loan so you will never have to guess what your monthly payment will be. Another thing you need to stay away from is pre payment penalties. These can be a terrible pitfall if you decide to pay your loan off early for any reason.

If you do have a pre payment penalty you can be charged a set amount for paying your loan off early. Typically, these fees are a set percentage that is agreed upon when you sign for your auto loan. The next thing you need to consider is your loan term. This will determine the length or number of years your loan will have before it must be paid off. If you have a five year loan and you borrow $20,000, you will have to pay back your loan amount plus interest within the five year term.

In most cases auto loans are three to five years in term. However, recently longer terms such as 72 months and even 84 months are being more common with good credit. Last but certainly not least you will have an auto insurance policy. Any auto lender that loans you money on a vehicle will require a full coverage insurance policy to protect the banks collateral. The insurance policy will pay your vehicle off if for any reason the car is wrecked, stolen, or severely, damaged. Since automobiles usually depreciate at a steady pace it is also a good idea to get GAP insurance. If you don’t have GAP insurance you could be forced to pay off any difference that your primary insurance company won’t take care of.
Unfortunately, this can leave you owing money to your bank without still having the actual car. Making payments on a car you no longer have is definitely not a situation you want to get into. It can also potentially cause you to have a charge off or repossession on your credit. Hopefully now you will have a little better understanding of how to finance an automobile and can start shopping for the perfect loan.

Honest Social Media Marketing Machines Review

It could be a challenge to find an honest review of Social Media Marketing Machines with all of the hype surrounding chat with random people its launch.
Mike Koenigs and his team are following up their very successful Main Street Marketing Machines launch with an enhanced version of the program called, Social Media Marketing Machines.

Since Main Street Marketing Machines was so successful, there are a number of affiliates promoting Social Media Marketing Machines. That is why it could be a challenge to find an unbiased review – since it’s mainly affiliates who are writing reviews (Disclaimer: This one included).

Plus, no one can really say they have used Social Media Marketing Machines before since it is a new program. That said, it is the enhanced version of the previous programs and it is based largely on the power of Traffic Geyser and their related products. (I have been using Traffic Geyser and love it. It’s a great product with very good people backing it up and they always provide prompt and friendly service when its needed. In addition, I used and benefited from the Main Street Marketing Machines training so that is what this review is based on).

Now, on to answer a few questions:
Could I learn all of this on my own without Social Media Marketing Machines?
Yes. There is a plenty of training available today.
Do I have to have this product to be successful in Social Media Marketing?
No. Of course, not. You create your own success.
To be as successful as possible, do I need to use these tools?

This is an interesting question. There are many ways to get the same results. You need to take your time into account. When you do, looking at ROE (Return on Effort), you would have a hard time finding another solution outside of Traffic Geyser that allows you do to some much in so little time. Please note, this is not saying, that you can just push a button and the sales roll in. That does not happen. Everything worth doing in life takes effort and hard work to be successful. This tool just helps you to reach success faster.

Is the training really that good?
In using the previous release as the basis to answer this question, yes. They provide both step by step introductory training for those new to the industry and they provide archived videos from previous live events that offer greater detail on more advanced topics. New video trainings are provided each week to help get you up to speed. They also bring in special guests that provide beneficial information and helpful tips. Last time, I would have preferred more written training material so it did not take as much time to watch the videos, but the learning is better with video.

Is it really worth the money to buy a system when I could create my own?
When it comes to the investment, this decision is up to you. As stated before, you can certainly learn this information elsewhere and could likely find training that is less expensive. The point of this program is that it goes beyond training and provides tools and a business set-up as well. This could be compared to a similar set-up that I experienced first hand.

Back in 1999, after I graduated from Ga. Tech, I purchased an Internet Marketing Franchise. The set-up was similar to that of any franchise, such as a McDonald’s. They had a system in place and provided the getting started documents, training materials, sales materials, contacts and access to tools to help the users succeed. At that time, the investment was about $30,000 and today, it is about $50,000.

Compare that to Social Media Marketing Machines. They also have a system in place that works, provide getting started documents and training, provide training materials and sales materials, contracts and access to tools to help users succeed… sounds pretty similar. Plus, their tools, such as Traffic Geyser are the best in the industry and their training is being delivered live. Finally, the investment in Social Media Marketing Machines is over 90% less than that of a franchise, so using this comparison, it’s pretty easy to see the value.

Hopefully this helps shed some light on the Social Media Marketing Machines. Also, when you are considering the program, be sure to considering choosing the right bonus to compliment the program.

How to Manage Your Adult ADHD Symptoms for Success

Adult ADHD symptoms can help us at times and destroy us in others (if we allow them to). That’s an incredibly well-known fact. Adult ADHD is NOT a “gift,” like some profess. They need to re-think that codydramol statement. Millions suffer with this condition and co-existing ones as well. Yes, we tent to be creative and innovative, for sure.

However, not every single person with ADHD is that way! It’s simply a pattern, and even the ones who are very talented also have potentially horrible struggles on a daily basis through mood swings, racing, intrusive thoughts, self-loathing, anger and a lack of self-esteem via perfectionism.

I know my stuff here, I’ve lived it from both sides! For a brief period I myself called Adult ADHD a “gift.” Holy crap was I ever wrong, as much as I’m a very positive guy by nature. Yes – focus on the good, on your abilities and your strengths, by ALL means! That’s not what I’m saying here.

What I’m saying is that those who only see it as a gift and go spewing their mouths like that do ALL of us a disservice. ADHD NEARLY KILLED ME as the result of the anxiety from racing thoughts and the depression about my never-ending career failures in life, not to mention my relationship failures, never sticking with anything, and so-on.

Focus on talents, but sure as hell don’t have your head in the clouds when facing the truth is concerned. You’ve got struggles, you have areas to work on that hold you back. Guess how I know? – You’re HUMAN.

Now then – onto how to manage your Adult ADHD symptoms for success:
There are lots of ways to manage your Adult ADHD symptoms. Keep track of what you’re trying is my first piece of advice. Here are a few tips for working your way to a happier life:

Seek therapy if you feel overwhelmed (This can be through talking things out with a friend, searching a video on YouTube on therapy and ADHD, or paying for the real thing if you can afford it)
Get more than 5 hours of sleep per night! (Many mis-diagnoses of ADHD occur because a lack of sleep over time can really throw people off, making it look like…..you guessed it)
Would medication help? (While it can be scary to go on meds, you can always go back off/try other ones with the supervision of a trained physician)
Get some physical activity when you get an energy burst! (Nothing like some good old-fashioned physical activity to help balance us out when we feel “wired” mentally….like we have energy that MUST get out somehow)
Get creative! (See the above point – this helps, too)
“Let go” and give yourself a break, damn it! (Learn to take regular mental breaks, forcing yourself to let go and return to things when you’re calmer and re-charged again. No point in self-sabotaging)
Make a change, but think it through! (If something feels like it’s killing you, and you aren’t in a panic attack about it and have thought it through for a while, then DO SOMETHING about it. Get out of your comfort zone and make some positive change)
Those are just a few of the ways you can learn to manage your Adult ADHD symptoms for success and greater joy in your life. Take what works from this list, and be honest with yourself. Then, toss the rest.