ARTICLES/BUILDING WEALTH
How to Become Wealthy?
Nine Truths That Can Set
You on the Path to
Financial Freedom
#1: Change the Way You Think
About Money
understand the nature of money or how it works.
understand the nature of money or how it works.
Cash, like a person, is a living thing. When you wake up in the morning and go
to work, you are selling a product - yourself (or more specifically, your labor).
When you realize that every morning your assets wake up and have the same
potential to work as you do, you unlock a powerful key in your life. Each dollar
you save is like an employee.
Over the course of time, the goal is to make your employees work hard, and
eventually, they will make enough money to hire more workers (cash). When
you have become truly successful, you no longer have to sell your own labor,
but can live off of the labor of your assets.
#2: Develop an
Understanding of the
Power of Small Amounts
The biggest mistake most people make is that they think they have to start with
an entire Napoleon-like army. They suffer from the "not enough" mentality;
namely that if they aren't making $1,000 or $5,000 investments at a time, they
will never become rich. What these people don't realize is that entire armies
are built one soldier at a time; so too is their financial arsenal.
#3: With Each Dollar You Save,
You Are Buying Yourself
Freedom
When you put it in these terms, you see how spending $20 here and $40 there
can make a huge difference in the long run. Since money has the ability to
work in your place, the more of it you employ, the faster and larger it will grow.
Along with more money comes more freedom - the freedom to stay home with
your kids, the freedom to retire and travel around the world, or the freedom to
quit your job. If you have any source of income, it is possible for you to start
building wealth today. It may only be $5 or $10 at a time, but each of those
investments is a stone in the foundation of your financial freedom.
#4: You Are Responsible for
Where You Are in Your Life
Years ago, a friend told me she didn't want to invest in stocks because she
"didn't want to wait ten years to be rich..." she would rather enjoy her money
now. The folly with this school of thinking is that the odds are, you are going
to be alive in ten years. The question is whether or not you will be better off
when you arrive there. Where you are right now is the sum total of the
decisions you have made in the past. Why not set the stage for your life in the
future right now?
#5: Instead of Buying the
Product... Buy the Stock!
Someone once asked me why they weren't wealthy. They always felt like they
were putting money aside, yet never seemed to get any further ahead. The
answer is simple. I told them to stop buying the products companies sell and
start buying the company itself! A survey of America's affluent (those who
make over $225,000 a year or own $3,000,000 in assets) revealed that 27-30%
of all the income the wealthy earned went into investments and savings.
That isn't a result of being rich, that is why they are rich. When the pain of
getting out of the bondage of financial slavery is greater than the pain of
changing your spending habits, you will become rich. Either change, or be
content to live as you are.
#6: Study and Admire Success
and Those Who Have Achieved
It... Then Emulate It
A very wise investor once said to pick the traits you admire and dislike the
most about your heroes, then do everything in your power to develop the traits
you like and reject the ones you don't. Mold yourself into who you want to
become.
You'll find that by investing in yourself first, money will begin to flow into your
life. Success and wealth beget success and wealth. You have to purchase
your way into that cycle, and you do so by building your army one soldier at a
time and putting your money to work for you.
#7: Realize that More Money is
Not the Answer
More money is not going to solve your problem. Money is a magnifying glass;
it will accelerate and bring to light your true habits. If you are not capable of
handling a job paying $18,000 a year, the worst possible thing that could
happen to you is for you to earn six figures. It would destroy you. I have met
too many people earning $100,000 a year who are living from paycheck to
paycheck and don't understand why it is happening. The problem isn't the size
of their checkbook, it is the way in which they were taught to use money.
#8: Unless Your Parents Were
Wealthy, Don't Do What They
Did
The definition of insanity is doing the same thing over and over again and
expecting a different result. If your parents were not living the life you want to
live then don't do what they did! You must break away from the mentality of
past generations if you want to have a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may
not have had, you have to do two things. First, make a firm commitment to get
out of debt. To find out which debts should be paid off before you invest and
those that are acceptable, read Pay Off Your Debt or Invest?. Second, make
saving and investing the highest financial priority in your life; one technique
is to pay yourself first.
Purchasing equity is vital to your financial success as an individual whether
you are in need of cash income or desire long-term appreciation in stock
value. Nowhere else can your money do as much for you as when you use it to
invest in a business that has wonderful long-term prospects.
#9: Don't Worry
The miracle of life is that it doesn't matter so much where you are, it matters
where you are going. Once you have made the choice to take control back of
your life by building up your net worth, don't give a second thought to the
"what ifs". Every moment that goes by, you are growing closer and closer to
your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future.
Rest assured, if you are diligent and responsible, financial prosperity is an
inevitability. The day will come when you make your last payment on your
car, your house, or whatever else it is you owe. Until then, enjoy the process.
Nine Truths That Can Set
You on the Path to
Financial Freedom
#1: Change the Way You Think
About Money
understand the nature of money or how it works.
understand the nature of money or how it works.
Cash, like a person, is a living thing. When you wake up in the morning and go
to work, you are selling a product - yourself (or more specifically, your labor).
When you realize that every morning your assets wake up and have the same
potential to work as you do, you unlock a powerful key in your life. Each dollar
you save is like an employee.
Over the course of time, the goal is to make your employees work hard, and
eventually, they will make enough money to hire more workers (cash). When
you have become truly successful, you no longer have to sell your own labor,
but can live off of the labor of your assets.
#2: Develop an
Understanding of the
Power of Small Amounts
The biggest mistake most people make is that they think they have to start with
an entire Napoleon-like army. They suffer from the "not enough" mentality;
namely that if they aren't making $1,000 or $5,000 investments at a time, they
will never become rich. What these people don't realize is that entire armies
are built one soldier at a time; so too is their financial arsenal.
#3: With Each Dollar You Save,
You Are Buying Yourself
Freedom
When you put it in these terms, you see how spending $20 here and $40 there
can make a huge difference in the long run. Since money has the ability to
work in your place, the more of it you employ, the faster and larger it will grow.
Along with more money comes more freedom - the freedom to stay home with
your kids, the freedom to retire and travel around the world, or the freedom to
quit your job. If you have any source of income, it is possible for you to start
building wealth today. It may only be $5 or $10 at a time, but each of those
investments is a stone in the foundation of your financial freedom.
#4: You Are Responsible for
Where You Are in Your Life
Years ago, a friend told me she didn't want to invest in stocks because she
"didn't want to wait ten years to be rich..." she would rather enjoy her money
now. The folly with this school of thinking is that the odds are, you are going
to be alive in ten years. The question is whether or not you will be better off
when you arrive there. Where you are right now is the sum total of the
decisions you have made in the past. Why not set the stage for your life in the
future right now?
#5: Instead of Buying the
Product... Buy the Stock!
Someone once asked me why they weren't wealthy. They always felt like they
were putting money aside, yet never seemed to get any further ahead. The
answer is simple. I told them to stop buying the products companies sell and
start buying the company itself! A survey of America's affluent (those who
make over $225,000 a year or own $3,000,000 in assets) revealed that 27-30%
of all the income the wealthy earned went into investments and savings.
That isn't a result of being rich, that is why they are rich. When the pain of
getting out of the bondage of financial slavery is greater than the pain of
changing your spending habits, you will become rich. Either change, or be
content to live as you are.
#6: Study and Admire Success
and Those Who Have Achieved
It... Then Emulate It
A very wise investor once said to pick the traits you admire and dislike the
most about your heroes, then do everything in your power to develop the traits
you like and reject the ones you don't. Mold yourself into who you want to
become.
You'll find that by investing in yourself first, money will begin to flow into your
life. Success and wealth beget success and wealth. You have to purchase
your way into that cycle, and you do so by building your army one soldier at a
time and putting your money to work for you.
#7: Realize that More Money is
Not the Answer
More money is not going to solve your problem. Money is a magnifying glass;
it will accelerate and bring to light your true habits. If you are not capable of
handling a job paying $18,000 a year, the worst possible thing that could
happen to you is for you to earn six figures. It would destroy you. I have met
too many people earning $100,000 a year who are living from paycheck to
paycheck and don't understand why it is happening. The problem isn't the size
of their checkbook, it is the way in which they were taught to use money.
#8: Unless Your Parents Were
Wealthy, Don't Do What They
Did
The definition of insanity is doing the same thing over and over again and
expecting a different result. If your parents were not living the life you want to
live then don't do what they did! You must break away from the mentality of
past generations if you want to have a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may
not have had, you have to do two things. First, make a firm commitment to get
out of debt. To find out which debts should be paid off before you invest and
those that are acceptable, read Pay Off Your Debt or Invest?. Second, make
saving and investing the highest financial priority in your life; one technique
is to pay yourself first.
Purchasing equity is vital to your financial success as an individual whether
you are in need of cash income or desire long-term appreciation in stock
value. Nowhere else can your money do as much for you as when you use it to
invest in a business that has wonderful long-term prospects.
#9: Don't Worry
The miracle of life is that it doesn't matter so much where you are, it matters
where you are going. Once you have made the choice to take control back of
your life by building up your net worth, don't give a second thought to the
"what ifs". Every moment that goes by, you are growing closer and closer to
your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future.
Rest assured, if you are diligent and responsible, financial prosperity is an
inevitability. The day will come when you make your last payment on your
car, your house, or whatever else it is you owe. Until then, enjoy the process.
| 7 Rules of Wealth Building Practical Keys to Amassing Investment Capital Most parents want to teach their children responsibility - how to become self sufficient and succeed in life (after all, no one plans on raising a dead beat). However, very few actually accomplish this task. Why? Because, as parents, we are limited to the experiences our parents passed on to us; the antiquated notion that "responsibility" is simply getting a job, saving a little money, and maybe purchasing a car or some equally important item. Hopefully these seven rules will open your eyes and help you teach your children to avoid the traps that have stolen financial success from so many people. Wealth Building Rule 1: Put Off Marriage Your biggest obstacle to attaining wealth is YOU. Too often, people live their lives in a manner that is not conducive to creating riches and then get frustrated at "the system" when they only really have themselves to blame. One of the most important financial decisions you will ever make is marriage (more specifically who you marry and when). By putting off the walk down the aisle for a few years, you can save a decade worth of frustration. ---knowledgefinancial.com Your first goal should be to become financially independent, with little or no debt, and have your investments in place. Once you have these three things, your odds of success are drastically improved by beginning your journey on a level playing field (after all, the number-one reason for divorce is financial trouble). Wealth Building Rule 2: Debt is a Disease With a few notable exceptions, debt is a form of bondage; a disease that enslaves the borrower. A few years ago, there was a young lady attending college who shot herself because she couldn't pay back $2,300 in credit card debt. Although an extreme example, it is a testament to the power money has over peoples' lives. Imagine your life without owing anyone anything; your car, your house, your education, all paid for in full. Like what you see? When you want it badly enough, you will make extinguishing your debt your number one priority. Wealth Building Rule 3:----knowledgefinancial.com If You Don't Like Where your Parents Were at Your Age - Do Things Differently The old cliché that "insanity is doing the same thing over and over expecting different results," holds just as true today as it did when it was originally written. If you don't like where your parents were at your age, stop what you are doing. During your childhood, they taught you all they knew about money. For many people, these early years established how they feel about their finances today. In order to become financially successful, you must do something different than they did. Otherwise, you will end up exactly as they are. Wealth Building Rule 4: When you Begin a Job, Look at the Pay of the Highest Employee Whether you are looking for employment now or are thinking about it sometime in the near future, one of the most important things for you to do is to look at what the top-dog gets at any company for which you are considering working. This will give you an idea of how high you can expect to climb in terms of earnings and promotion. If the CEO is making $30,000 a year, you have no chance to make six figures. Select a job accordingly. Wealth Building Rule 5:----knowledgefinancial.com Do Something You Love and Get Paid for It I remember going into college and being surrounded with people who wanted to be artists, scientists, and businessmen, but instead did what their parents or grandparents told them to do. There is no honor in being a doctor or a lawyer if you wake up every morning and hate your job. Pick a profession you love and you'll never have to work a day in your life. Wealth Building Rule 6: Understand the Money Myth Money is nothing more than a piece of paper with the image of a long-dead person on it. When you understand that any power it has over you is derived from your relationship with it, you suddenly become free from the constant pressures and stress of thinking about it. Especially at times such as these, if you are putting money away for ten, fifteen, or twenty years down the road, stop checking your portfolio every day! There is nothing you can gain from it except stress. Wealth Building Rule 7: knowledgefinancial.com Your New Commodity is Not Your Labor, It's Your Ideas With the advent of the Internet and other technological advances, you are no longer limited to supporting yourself or making a living by your physical labor. The only limit you have on yourself now is your own imagination - your ideas are the most valuable thing you possess. Every man, woman, and child is a salesman for a living; if you don't own a business or investments, then you sell your manual labor to a company in exchange for a paycheck Change your product. The gap between the rich and poor does indeed grow larger with each passing year, but not because of inequalities or any other such injustices. Instead, it is because the rich understand money and how to use it. Capital is literally a seed; learn how to plant it to produce the best harvest. When you do this, you will rule your finances, not the other way around. |
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BUILDING WEALTH // Outrageous New-Car Scams To Avoid
How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial Freedom.
Becoming Wealthy One Bite at a Time!
7 Rules of Wealth Building
Practical Keys to Amassing Investment Capital-----------CLICK BELOW, GO DOWN BELOW...
How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial Freedom.
Becoming Wealthy One Bite at a Time!
7 Rules of Wealth Building
Practical Keys to Amassing Investment Capital-----------CLICK BELOW, GO DOWN BELOW...
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Business structures 101. LLP, LLC, S-corp and
C-corp: It's not just alphabet soup! A breakdown
of what you need to know, in layman's terms.
FINANCIAL KNOWLEDGE: The Successful
Investment Journey, Ten Tips For The
Successful Long-Term Investor. Ten Steps to
Building a Winning Trading Plan, Five Things To
Know About Asset Allocation
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WAYS TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to
Financial Freedom.
Becoming Wealthy One Bite at a Time! 7 Rules of
Wealth Building, Practical Keys to Amassing
Investment Capital
UNCLAIMED MONEY, UNCLAIMED PROPERTY,
THE FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY
KNOW!
Billions of dollars have been lost. Could some of
it be yours? Yes the government may owed
you money; you may not even know about it.
FINANCIAL FREEDOM: A SMARTEST WAY TO
PREPARE A BETTER FUTURE IS TO PLAN TODAY
TO OBTAIN A COMPLETE FINANCIAL FREEDOM.
Ten Resolutions to Make Your Financial Life
Easier
WHY YOU AREN’T RICH?
Many people assume they aren't rich because
they don't earn enough money. If I only earned a
little more, I could save and invest better, they
say, they don’t have a good education, they say
they have too much responsibilities; Excuses,
Excuses, Excuses. THIS IS WHY!
INSURANCE: WAYS TO MAKE MONEY & SAVE
MONEY ON YOUR INSURANCE. THE
IMPORTANCE OF INSURANCE IN SOMEONE'S
LIFE!
Homeowners' Insurance: What You Need to
Know. Auto Insurance, Life Insurance
Will & Living trust
What is a will and what is living trust? How
does a living trust avoid probate?
Auto Loans: Great Car, Great Price…. But what
about the Financing? Explore your financing
options!---
Auto dealers have a long history of using
questionable sales tactics to bilk consumers in
the market for a new car. Many people keep
their eye on the sale price and neglect scams
involving vehicle financing, which can add
thousands of dollars to the price of a car.
Money Management: 10 Ways to Avoid
Overdraft and Bounced Check Fees! Three Ways
to Put Your Budget On on Auto Pilot! The Low
Tech Way to Budget Your Money
FREE CREDIT REPORT CAN HELP YOU FIND OUT
WHAT'S GOOD OR WHAT'S BAD AND ALSO
DETECT ID THEFT!
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT,
PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU.
IDENTITY THEFT: HOW TO PROTECT AND
DEFEND YOURSELF AGAINST IDENTITY
THEFT? -----DETER, DETECT AND DEFEND?
DEFEND YOURSELF AGAINST IDENTITY THEFT;
LEARN THE IMPORTANT METHODS AND
TECHNIQUES TO RECOVER FROM ID THEFT!
news, Political News, The Market News.
THE BANKING AND THE AMERICAN FINANCIAL
SYSTEM. HISTORY, SUCCESS AND FAILURE!
SMALL BUSINESS, METHODS, TECHNIQUES,
AND STRATEGIES
Business structures 101. LLP, LLC, S-corp and
C-corp: It's not just alphabet soup! A breakdown
of what you need to know, in layman's terms.
FINANCIAL KNOWLEDGE: The Successful
Investment Journey, Ten Tips For The
Successful Long-Term Investor. Ten Steps to
Building a Winning Trading Plan, Five Things To
Know About Asset Allocation
SAVING MONEY: THE SECRETS OF SAVING;
WAYS TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to
Financial Freedom.
Becoming Wealthy One Bite at a Time! 7 Rules of
Wealth Building, Practical Keys to Amassing
Investment Capital
UNCLAIMED MONEY, UNCLAIMED PROPERTY,
THE FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY
KNOW!
Billions of dollars have been lost. Could some of
it be yours? Yes the government may owed
you money; you may not even know about it.
FINANCIAL FREEDOM: A SMARTEST WAY TO
PREPARE A BETTER FUTURE IS TO PLAN TODAY
TO OBTAIN A COMPLETE FINANCIAL FREEDOM.
Ten Resolutions to Make Your Financial Life
Easier
WHY YOU AREN’T RICH?
Many people assume they aren't rich because
they don't earn enough money. If I only earned a
little more, I could save and invest better, they
say, they don’t have a good education, they say
they have too much responsibilities; Excuses,
Excuses, Excuses. THIS IS WHY!
INSURANCE: WAYS TO MAKE MONEY & SAVE
MONEY ON YOUR INSURANCE. THE
IMPORTANCE OF INSURANCE IN SOMEONE'S
LIFE!
Homeowners' Insurance: What You Need to
Know. Auto Insurance, Life Insurance
Will & Living trust
What is a will and what is living trust? How
does a living trust avoid probate?
Auto Loans: Great Car, Great Price…. But what
about the Financing? Explore your financing
options!---
Auto dealers have a long history of using
questionable sales tactics to bilk consumers in
the market for a new car. Many people keep
their eye on the sale price and neglect scams
involving vehicle financing, which can add
thousands of dollars to the price of a car.
Money Management: 10 Ways to Avoid
Overdraft and Bounced Check Fees! Three Ways
to Put Your Budget On on Auto Pilot! The Low
Tech Way to Budget Your Money
FREE CREDIT REPORT CAN HELP YOU FIND OUT
WHAT'S GOOD OR WHAT'S BAD AND ALSO
DETECT ID THEFT!
CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT,
PROTECT IT, INCREASE YOUR SCORE. WE
HAVE VALUABLE INFORMATION TO HELP YOU.
IDENTITY THEFT: HOW TO PROTECT AND
DEFEND YOURSELF AGAINST IDENTITY
THEFT? -----DETER, DETECT AND DEFEND?
DEFEND YOURSELF AGAINST IDENTITY THEFT;
LEARN THE IMPORTANT METHODS AND
TECHNIQUES TO RECOVER FROM ID THEFT!
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How to obtain a complete and absolute Freedom
Financial Knowledge, get the knowledge you need
to succeed financially
Saving Money, 66 ways to save a lot of money
US Economy, Pension Plans retire early, retire rich
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Financial News, Business News, Market News.--
and 11 Great things to Do With Your Money in
Financial Crisis, in Difficult Economic Time!
Banking and Finance; Top online banking service
and solution for everyone
Click Here to see the most advanced electronic
products with the recent technology
Building Wealth, How to create a fortune.
American Banking System and History
Personal Finance, Us Financial System
How to obtain a complete and absolute Freedom
Financial Knowledge, get the knowledge you need
to succeed financially
Saving Money, 66 ways to save a lot of money
US Economy, Pension Plans retire early, retire rich
INVESTING / METHODS AND TECHNIQUES TO
INVEST IN TODAY'S MARKET FOR A BETTER
TOMORROW
Business, Easy ways to create your own
business. How to buy and sell a franchise?
Shop all you want right here; reliable, safe and
secure website. Best products from the world top
manufacturers, excellent prices
CLICK HERE ---TO SEE THE WOLD LARGEST
INTERNET BUSINESSES, THE HIGHEST QUALITY
MERCHANDISE FROM THE MOST SOPHISTICATED
COMPANIES
| ..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ...Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More... |
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10 PLACES NOT RECOMMENDED TO USE
DEBIT CARDS:
Debit cards have different protections and uses. Sometimes
they're not the best choice.
Sometimes reaching for your wallet is like a multiple choice
test: How do you really want to pay?
More from KNOWLEDGEFINANCIALGROUP.COM:
While credit cards and debit cards may look almost identical,
not all plastic is the same.
Consumers need to be particularly careful during vacation
season because identity thieves come out in droves. That
makes it pivotal that consumers keep their debit cards on ice,
said Beth Givens, director of the Privacy Rights Clearing House
and one of the nation's foremost experts on keeping your
private information private.
What makes debit cards so dangerous? Givens has so many
reasons, her organization has put out an exhaustive fact sheet
on whether you should use cash, credit or debit cards when
shopping. (The report also explains the shortcomings of gift
cards.)
Here's the short version of the dangers of debit:
------------------------------------------------
The Dangers of Using a Debit Card.
---knowledgefinancialgroup.com
"It's important that consumers understand the difference
between a debit card and a credit card," says John Breyault,
director of the Fraud Center for the National Consumers
League, a Washington, D.C.-based advocacy group. "There's a
difference in how the transactions are processed and the
protections offered to consumers when they use them."
While debit cards and credit cards each have advantages, each
is also better suited to certain situations. And since a debit card
is a direct line to your bank account, there are places where it
can be wise to avoid handing it over -- if for no other reason
than complete peace of mind.
-----------------------------------------
Here are 10 places and situations where it can
pay to leave that debit card in your wallet:
1. Online----- NOT TO USE
----KNOWLEDGEFINANCIALGROUP.COM
"You don't use a debit card online," says Susan Tiffany, director
of consumer periodicals for the Credit Union National
Association. Since the debit card links directly to a checking
account, "you have potential vulnerability there," she says.
Her reasoning: If you have problems with a purchase or the
card number gets hijacked, a debit card is "vulnerable because
it happens to be linked to an account," says Linda Foley,
founder of the Identity Theft Resource Center. She also includes
phone orders in this category.
The Federal Reserve's Regulation E (commonly dubbed Reg E),
covers debit card transfers. It sets a consumer's liability for
fraudulent purchases at $50, provided they notify the bank
within two days of discovering that their card or card number
has been stolen. KNOWLEDGEFINANCIALGROUP.COM
Most banks have additional voluntary policies that set their own
customers' liability with debit cards at $0, says Nessa Feddis,
vice president and senior counsel for the American Bankers
Association.
But the protections don't relieve consumers of hassle: The
prospect of trying to get money put back into their bank
account, and the problems that a lower-than-expected balance
can cause in terms of fees and refused checks or payments,
make some online shoppers reach first for credit cards.
2. Big-Ticket Items---- NOT TO USE
With a big ticket item, a credit card is safer, says Chi Chi Wu,
staff attorney with the National Consumer Law Center. A credit
card offers dispute rights if something goes wrong with the
merchandise or the purchase, she says.
"With a debit card, you have fewer protections,"
KNOWLEDGEFINANCIALGROUP.COM
In addition, some cards will also offer extended warrantees.
And in some situations, such as buying electronics or renting a
car, some credit cards also offer additional property insurance
to cover the item.
Two caveats, says Wu. Don't carry a balance. Otherwise, you
also risk paying some high-ticket interest. And "avoid store
cards with deferred interest," Wu advises.
3. Deposit Required------- NOT TO USE
That way, the store has its security deposit, and you still have
access to all of the money in your bank account. With any luck,
you'll never actually have to part with a dollar.
4. Restaurants--- NOT TO USE -----
knowledgefinancialgroup.com
"To me, it's dangerous," "You have so many people around."
Foreman bases his conclusions on what he hears from
readers. "Anecdotally, the cases that I'm hearing of credit or
debit information being stolen, as often as not, it's in a
restaurant," he says.
The danger: Restaurants are one of the few places where you
have to let cards leave your sight when you use them. But
others think that avoiding such situations is not workable.
The "conventional advice of 'don't let the card out of your sight'
-- that's just not practical," says Tiffany.
The other problem with using a debit card at restaurants: Some
establishments will approve the card for more than your
purchase amount because, presumably, you intend to leave a
tip.
So the amount of money frozen for the transaction could be
quite a bit more than the amount of your tab. And it could be a
few days before you get the cash back in your account.
5. You're a New Customer------ NOT TO USE
------knowledgefinancial.com
Online or in the real world, if you're a first-time customer in a
store, skip the debit card the first couple of times you buy,
That way, you get a feel for how the business is run, how you're
treated and the quality of the merchandise before you hand
over a card that links to your checking account.
6. Buy Now, Take Delivery Later-- NOT TO USE
Buying now but taking delivery days or weeks from now? A
credit card offers dispute rights that a debit card typically does
not.
"It may be an outfit you're familiar with and trust, but something
might go wrong," says Breyault, "and you need protection."
But be aware that some cards will limit the protection to a
specific time period, says Feddis. So settle any problems as
soon as possible.
7. Recurring Payments
We've all heard the urban legend about the gym that won't stop
billing an ex-member's credit card. Now imagine the charges
aren't going onto your card, but instead coming right out of your
bank account.
Another reason not to use the debit card for recurring charges:
your own memory and math skills. Forget to deduct that
automatic bill payment from your checkbook one month, and
you could either face fees or embarrassment (depending on
whether you've opted to allow overdrafting or not).
So if you don't keep a cash buffer in your account, "to protect
yourself from over-limit fees, you may want to think about using
a credit card" for recurring payments.
8. Future Travel-----NOT TO USE
----knowledgefinancialgroup.com
Book your travel with a check card, and "they debit it
immediately," So if you're buying travel that you won't use for
six months or making a reservation for a few weeks from now,
you'll be out the money immediately.
Another factor that bothers a lot of people: Hotels aren't
immune to hackers and data breaches, and several
name-brand establishments have suffered the problem
recently.
Do you want your debit card information "to sit in a system for
four months, waiting for you to arrive?" she asks. "I would not."
9. Gas Stations and Hotels---- NOT TO USE
This one depends on the individual business. Some gas
stations and hotels will place holds to cover customers who
may leave without settling the entire bill. That means that even
though you only bought $10 in gas, you could have a temporary
bank hold for $50 to $100. KNOWLEDGEFINANCIALGROUP.COM
Ditto hotels, where there are sometimes holds or deposits in
the hundreds to make sure you don't run up a long distance bill,
empty the mini bar or trash the room. The practice is almost
unnoticeable if you're using credit, but can be problematic if
you're using a debit card and have just enough in the account to
cover what you need.
At hotels, ask about deposits and holds before you present your
card, says Feddis. At the pump, select the pin-number option,
she says, which should debit only the amount you've actually
spent.
10. Checkouts or ATMs That Look 'Off'--- NOT TO USE
Criminals are getting better with skimmers and planting them in
places you'd never suspect -- like ATM machines on bank
property, says Foley.
So take a good look at the machine or card reader the next time
you use an ATM or self-check lane, she advises. Does the
machine fit together well or does something look
off.---KNOWLEDGEFINANCIALGROUP.COM
DEBIT CARDS:
Debit cards have different protections and uses. Sometimes
they're not the best choice.
Sometimes reaching for your wallet is like a multiple choice
test: How do you really want to pay?
More from KNOWLEDGEFINANCIALGROUP.COM:
While credit cards and debit cards may look almost identical,
not all plastic is the same.
Consumers need to be particularly careful during vacation
season because identity thieves come out in droves. That
makes it pivotal that consumers keep their debit cards on ice,
said Beth Givens, director of the Privacy Rights Clearing House
and one of the nation's foremost experts on keeping your
private information private.
What makes debit cards so dangerous? Givens has so many
reasons, her organization has put out an exhaustive fact sheet
on whether you should use cash, credit or debit cards when
shopping. (The report also explains the shortcomings of gift
cards.)
Here's the short version of the dangers of debit:
------------------------------------------------
The Dangers of Using a Debit Card.
---knowledgefinancialgroup.com
"It's important that consumers understand the difference
between a debit card and a credit card," says John Breyault,
director of the Fraud Center for the National Consumers
League, a Washington, D.C.-based advocacy group. "There's a
difference in how the transactions are processed and the
protections offered to consumers when they use them."
While debit cards and credit cards each have advantages, each
is also better suited to certain situations. And since a debit card
is a direct line to your bank account, there are places where it
can be wise to avoid handing it over -- if for no other reason
than complete peace of mind.
-----------------------------------------
Here are 10 places and situations where it can
pay to leave that debit card in your wallet:
1. Online----- NOT TO USE
----KNOWLEDGEFINANCIALGROUP.COM
"You don't use a debit card online," says Susan Tiffany, director
of consumer periodicals for the Credit Union National
Association. Since the debit card links directly to a checking
account, "you have potential vulnerability there," she says.
Her reasoning: If you have problems with a purchase or the
card number gets hijacked, a debit card is "vulnerable because
it happens to be linked to an account," says Linda Foley,
founder of the Identity Theft Resource Center. She also includes
phone orders in this category.
The Federal Reserve's Regulation E (commonly dubbed Reg E),
covers debit card transfers. It sets a consumer's liability for
fraudulent purchases at $50, provided they notify the bank
within two days of discovering that their card or card number
has been stolen. KNOWLEDGEFINANCIALGROUP.COM
Most banks have additional voluntary policies that set their own
customers' liability with debit cards at $0, says Nessa Feddis,
vice president and senior counsel for the American Bankers
Association.
But the protections don't relieve consumers of hassle: The
prospect of trying to get money put back into their bank
account, and the problems that a lower-than-expected balance
can cause in terms of fees and refused checks or payments,
make some online shoppers reach first for credit cards.
2. Big-Ticket Items---- NOT TO USE
With a big ticket item, a credit card is safer, says Chi Chi Wu,
staff attorney with the National Consumer Law Center. A credit
card offers dispute rights if something goes wrong with the
merchandise or the purchase, she says.
"With a debit card, you have fewer protections,"
KNOWLEDGEFINANCIALGROUP.COM
In addition, some cards will also offer extended warrantees.
And in some situations, such as buying electronics or renting a
car, some credit cards also offer additional property insurance
to cover the item.
Two caveats, says Wu. Don't carry a balance. Otherwise, you
also risk paying some high-ticket interest. And "avoid store
cards with deferred interest," Wu advises.
3. Deposit Required------- NOT TO USE
That way, the store has its security deposit, and you still have
access to all of the money in your bank account. With any luck,
you'll never actually have to part with a dollar.
4. Restaurants--- NOT TO USE -----
knowledgefinancialgroup.com
"To me, it's dangerous," "You have so many people around."
Foreman bases his conclusions on what he hears from
readers. "Anecdotally, the cases that I'm hearing of credit or
debit information being stolen, as often as not, it's in a
restaurant," he says.
The danger: Restaurants are one of the few places where you
have to let cards leave your sight when you use them. But
others think that avoiding such situations is not workable.
The "conventional advice of 'don't let the card out of your sight'
-- that's just not practical," says Tiffany.
The other problem with using a debit card at restaurants: Some
establishments will approve the card for more than your
purchase amount because, presumably, you intend to leave a
tip.
So the amount of money frozen for the transaction could be
quite a bit more than the amount of your tab. And it could be a
few days before you get the cash back in your account.
5. You're a New Customer------ NOT TO USE
------knowledgefinancial.com
Online or in the real world, if you're a first-time customer in a
store, skip the debit card the first couple of times you buy,
That way, you get a feel for how the business is run, how you're
treated and the quality of the merchandise before you hand
over a card that links to your checking account.
6. Buy Now, Take Delivery Later-- NOT TO USE
Buying now but taking delivery days or weeks from now? A
credit card offers dispute rights that a debit card typically does
not.
"It may be an outfit you're familiar with and trust, but something
might go wrong," says Breyault, "and you need protection."
But be aware that some cards will limit the protection to a
specific time period, says Feddis. So settle any problems as
soon as possible.
7. Recurring Payments
We've all heard the urban legend about the gym that won't stop
billing an ex-member's credit card. Now imagine the charges
aren't going onto your card, but instead coming right out of your
bank account.
Another reason not to use the debit card for recurring charges:
your own memory and math skills. Forget to deduct that
automatic bill payment from your checkbook one month, and
you could either face fees or embarrassment (depending on
whether you've opted to allow overdrafting or not).
So if you don't keep a cash buffer in your account, "to protect
yourself from over-limit fees, you may want to think about using
a credit card" for recurring payments.
8. Future Travel-----NOT TO USE
----knowledgefinancialgroup.com
Book your travel with a check card, and "they debit it
immediately," So if you're buying travel that you won't use for
six months or making a reservation for a few weeks from now,
you'll be out the money immediately.
Another factor that bothers a lot of people: Hotels aren't
immune to hackers and data breaches, and several
name-brand establishments have suffered the problem
recently.
Do you want your debit card information "to sit in a system for
four months, waiting for you to arrive?" she asks. "I would not."
9. Gas Stations and Hotels---- NOT TO USE
This one depends on the individual business. Some gas
stations and hotels will place holds to cover customers who
may leave without settling the entire bill. That means that even
though you only bought $10 in gas, you could have a temporary
bank hold for $50 to $100. KNOWLEDGEFINANCIALGROUP.COM
Ditto hotels, where there are sometimes holds or deposits in
the hundreds to make sure you don't run up a long distance bill,
empty the mini bar or trash the room. The practice is almost
unnoticeable if you're using credit, but can be problematic if
you're using a debit card and have just enough in the account to
cover what you need.
At hotels, ask about deposits and holds before you present your
card, says Feddis. At the pump, select the pin-number option,
she says, which should debit only the amount you've actually
spent.
10. Checkouts or ATMs That Look 'Off'--- NOT TO USE
Criminals are getting better with skimmers and planting them in
places you'd never suspect -- like ATM machines on bank
property, says Foley.
So take a good look at the machine or card reader the next time
you use an ATM or self-check lane, she advises. Does the
machine fit together well or does something look
off.---KNOWLEDGEFINANCIALGROUP.COM
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car; learn this first...
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Business, Financial, Commercial News &
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ADDITIONAL INFORMATION ABOUT
THE DANGER OF DEBIT/CREDIT
CARDS!
The Dangers of Using a
Debit Card. ---knowledgefinancial.com ----
PLACES AND WAYS NOT
RECOMMENDED TO USE
DEBIT CARDS:
Consumers need to be particularly careful during vacation
season because identity thieves come out in droves. That
makes it pivotal that consumers keep their debit cards on ice,
said Beth Givens, director of the Privacy Rights Clearing House
and one of the nation's foremost experts on keeping your
private information private.
What makes debit cards so dangerous? Givens has so many
reasons, her organization has put out an exhaustive fact sheet
on whether you should use cash, credit or debit cards when
shopping. (The report also explains the shortcomings of gift
cards.)
Here's the short version
of the dangers of debit:
1. Loss Limits ----knowledgefinancial.
com
Like credit cards, federal law limits your liability for fraudulent
transactions on a debit card to $50. But that's only if you notify
your financial institution within two days of discovering the
theft. If you're a space cadet and don't check your bank
statements for a couple of months, you could lose everything
2. Pay Now/Reimburse Later
If someone has fraudulently used your credit card, you don't
have to pay the charge. But when somebody has fraudulently
used your debit card, the money comes directly out of your
account in real time.
That means you're out the money while the bank does a
leisurely examination of their records to investigate your fraud
claim. Many consumers complaining to Privacy Rights Clearing
House said they lost access to their funds for several weeks.
In the meantime, they were caught short and unable to pay
their bills, Givens said.
3. Merchant Disputes ---
KNOWLEDGEFINANCIAL.COM
The same problem affects merchant disputes. If you pay with a
credit card when ordering something online, and that product
comes damaged, broken or not at all, you can dispute the
charge and stop payment with your credit card. If you used
your debit card, the charge is paid when you made the order.
By the time you find out the goods weren't what was
advertised, the merchant has your cash and you're in the
unenviable position of having to fight to get your money back.
4. Phantom Charges ----
KNOWLEDGEFINANCIAL.COM
If you use a credit card at a hotel, the hotel takes an imprint
when you check in, but doesn't charge your card until you
check out. It's a far different story with a debit card. Generally,
hotels will put a “hold” on funds in your account for more than
you're spending. Yes, more.
They hold the full amount of your stay, plus an estimated
amount for “incidentals,” such as meals at the hotel
restaurant and dipping into the mini-bar. This is not an actual
charge–the hold will come off your account at the end of your
stay.
But it affects the available balance in your checking account
anyway and can lead to overdrafts. One consumer said these
phantom charges cost him $140 in overdraft fees. These
“holds” are commonly placed on debit card transactions made
at hotels, gas stations and rental car companies.
5. Overdrafts, Overdrafts and
More Overdrafts ---
Overdraft charges have been soaring in recent years and the
vast majority of consumers who pay them explain that their
overdraft was the result of a debit card transaction. Many
consumers naively assumed that if they didn't have sufficient
funds in their accounts, their bank wouldn't approve a debit
swipe.
But they were wrong. The
result: a $4 coffee could
trigger a $35 overdraft fee.
Government regulators are reigning in these fees by
demanding that banks give consumers a chance to “opt out”
of automatic overdraft protection, but that doesn't start for
existing accounts until August. (If you have a new account, it's
starts in July.)
6. Skimming ----KNOWLEDGEFINANCIAL.COM
Financial crooks have gotten sophisticated in recent years and
are using “skimming” machines to read your card data and
charge your account, Givens said. When your debit card is
skimmed, your bank account can be drained before you know
that you've been had. ----KNOWLEDGEFINANCIAL.COM
THE DANGER OF DEBIT/CREDIT
CARDS!
The Dangers of Using a
Debit Card. ---knowledgefinancial.com ----
PLACES AND WAYS NOT
RECOMMENDED TO USE
DEBIT CARDS:
Consumers need to be particularly careful during vacation
season because identity thieves come out in droves. That
makes it pivotal that consumers keep their debit cards on ice,
said Beth Givens, director of the Privacy Rights Clearing House
and one of the nation's foremost experts on keeping your
private information private.
What makes debit cards so dangerous? Givens has so many
reasons, her organization has put out an exhaustive fact sheet
on whether you should use cash, credit or debit cards when
shopping. (The report also explains the shortcomings of gift
cards.)
Here's the short version
of the dangers of debit:
1. Loss Limits ----knowledgefinancial.
com
Like credit cards, federal law limits your liability for fraudulent
transactions on a debit card to $50. But that's only if you notify
your financial institution within two days of discovering the
theft. If you're a space cadet and don't check your bank
statements for a couple of months, you could lose everything
2. Pay Now/Reimburse Later
If someone has fraudulently used your credit card, you don't
have to pay the charge. But when somebody has fraudulently
used your debit card, the money comes directly out of your
account in real time.
That means you're out the money while the bank does a
leisurely examination of their records to investigate your fraud
claim. Many consumers complaining to Privacy Rights Clearing
House said they lost access to their funds for several weeks.
In the meantime, they were caught short and unable to pay
their bills, Givens said.
3. Merchant Disputes ---
KNOWLEDGEFINANCIAL.COM
The same problem affects merchant disputes. If you pay with a
credit card when ordering something online, and that product
comes damaged, broken or not at all, you can dispute the
charge and stop payment with your credit card. If you used
your debit card, the charge is paid when you made the order.
By the time you find out the goods weren't what was
advertised, the merchant has your cash and you're in the
unenviable position of having to fight to get your money back.
4. Phantom Charges ----
KNOWLEDGEFINANCIAL.COM
If you use a credit card at a hotel, the hotel takes an imprint
when you check in, but doesn't charge your card until you
check out. It's a far different story with a debit card. Generally,
hotels will put a “hold” on funds in your account for more than
you're spending. Yes, more.
They hold the full amount of your stay, plus an estimated
amount for “incidentals,” such as meals at the hotel
restaurant and dipping into the mini-bar. This is not an actual
charge–the hold will come off your account at the end of your
stay.
But it affects the available balance in your checking account
anyway and can lead to overdrafts. One consumer said these
phantom charges cost him $140 in overdraft fees. These
“holds” are commonly placed on debit card transactions made
at hotels, gas stations and rental car companies.
5. Overdrafts, Overdrafts and
More Overdrafts ---
Overdraft charges have been soaring in recent years and the
vast majority of consumers who pay them explain that their
overdraft was the result of a debit card transaction. Many
consumers naively assumed that if they didn't have sufficient
funds in their accounts, their bank wouldn't approve a debit
swipe.
But they were wrong. The
result: a $4 coffee could
trigger a $35 overdraft fee.
Government regulators are reigning in these fees by
demanding that banks give consumers a chance to “opt out”
of automatic overdraft protection, but that doesn't start for
existing accounts until August. (If you have a new account, it's
starts in July.)
6. Skimming ----KNOWLEDGEFINANCIAL.COM
Financial crooks have gotten sophisticated in recent years and
are using “skimming” machines to read your card data and
charge your account, Givens said. When your debit card is
skimmed, your bank account can be drained before you know
that you've been had. ----KNOWLEDGEFINANCIAL.COM
| Real Estate Is My Passion, That's What I Know Best. Any Help You Need, Any Questions You May Have About Real Estate In Florida. -- Feel Free To Contact Anthony |
Outrageous New-Car Scams To Avoid --
At the dealership people could well face a rude awakening at the
hands of a shady, even unscrupulous salesperson or new or used
-car dealership.
The dealership people love taking advantage because People are
not skilled at negotiating , while dealership personnel do it all day
every day. The field is not level from the start.”
According to the Better Business Bureau, issues with new-car
dealers remain among the top consumer complaints
Misrepresentations seem to be the most common complaints
among car buying consumers. We’ve documented 10 of the most
common new-car buying swindles, compiled with assistance
from the experts
At the dealership people could well face a rude awakening at the
hands of a shady, even unscrupulous salesperson or new or used
-car dealership.
The dealership people love taking advantage because People are
not skilled at negotiating , while dealership personnel do it all day
every day. The field is not level from the start.”
According to the Better Business Bureau, issues with new-car
dealers remain among the top consumer complaints
Misrepresentations seem to be the most common complaints
among car buying consumers. We’ve documented 10 of the most
common new-car buying swindles, compiled with assistance
from the experts
. "Back End" Add-Ons
Outrageous New-Car Scams To Avoid
There are far more ways for a dealership to make
money and there’s no more profitable way that the so-
called “back end” of the deal. In addition to financing,
you’ll be offered – perhaps pressured is a better word
– to purchase assorted add-ons that can suck the
value out of what would otherwise be a good deal.
These range from credit life insurance (conventional
term-life or disability insurance is usually a better buy)
to fabric protection (a can of Scotchguard can
suffice), rustproofing (largely unnecessary with today’
s cars) and paint sealant (little more than a good coat
of wax).
Simply refuse to pay for any of these high-profit items
and threaten to walk out on the deal if they’re insisted
upon.
Buying a costly service contract that extends a
manufacturer’s warranty for an additional two years or
more may seem like a good idea, but they’re just
insurance policies in which the actuarial odds favor
the house and rarely deliver any real value for the
money. If you feel it’s a necessity,
try to get the dealer to lower the price or, better yet,
shop around after the fact (or even ahead of time) to
find one for less money.
Outrageous New-Car Scams To Avoid
There are far more ways for a dealership to make
money and there’s no more profitable way that the so-
called “back end” of the deal. In addition to financing,
you’ll be offered – perhaps pressured is a better word
– to purchase assorted add-ons that can suck the
value out of what would otherwise be a good deal.
These range from credit life insurance (conventional
term-life or disability insurance is usually a better buy)
to fabric protection (a can of Scotchguard can
suffice), rustproofing (largely unnecessary with today’
s cars) and paint sealant (little more than a good coat
of wax).
Simply refuse to pay for any of these high-profit items
and threaten to walk out on the deal if they’re insisted
upon.
Buying a costly service contract that extends a
manufacturer’s warranty for an additional two years or
more may seem like a good idea, but they’re just
insurance policies in which the actuarial odds favor
the house and rarely deliver any real value for the
money. If you feel it’s a necessity,
try to get the dealer to lower the price or, better yet,
shop around after the fact (or even ahead of time) to
find one for less money.
- Outrageous New-Car Scams To Avoid -
The Spot Delivery Scam
Perhaps among the most onerous of car-deal cons,
this swindle involves sending a buyer – often one
with sub-prime credit – home in a new vehicle before
the final financing arrangements have been
completed.
The dealer calls back in a day or two to tell the
customer there’s a problem with the loan terms,
subsequently subjecting him or her to a higher
interest rate than expected and perhaps even
requiring a larger down payment in order to qualify.
The idea is that since the buyer has emotionally
“bonded” with the vehicle by already taking
possession, he or she will pay whatever it takes to
keep it.
Again, the best defense here is to shop around ahead
of time for financing, especially to be aware of for
which rates and terms you’ll qualify given your credit
rating.
---------------------------------
Negative Equity Scams
Never trust dealers who promise to pay off your
existing car loan – no matter how much you owe on it.
Motorists who’ve bought their current vehicles with
low down payments and long loan terms often have
“negative equity” in them, meaning they owe more
than the car is worth in trade.
Sure, the dealer will pay off the loan, but will simply
wrap the amount of negative equity into the new-car
deal, resulting in a higher balance, a costlier monthly
payment and even a longer loan term.
You’ll also be in the uncomfortable position of paying
for two cars at the same time. It’s better to hold onto
your current car until it’s paid for, or at least until the
balance is whittled down sufficiently to realize actual
equity.
The Spot Delivery Scam
Perhaps among the most onerous of car-deal cons,
this swindle involves sending a buyer – often one
with sub-prime credit – home in a new vehicle before
the final financing arrangements have been
completed.
The dealer calls back in a day or two to tell the
customer there’s a problem with the loan terms,
subsequently subjecting him or her to a higher
interest rate than expected and perhaps even
requiring a larger down payment in order to qualify.
The idea is that since the buyer has emotionally
“bonded” with the vehicle by already taking
possession, he or she will pay whatever it takes to
keep it.
Again, the best defense here is to shop around ahead
of time for financing, especially to be aware of for
which rates and terms you’ll qualify given your credit
rating.
---------------------------------
Negative Equity Scams
Never trust dealers who promise to pay off your
existing car loan – no matter how much you owe on it.
Motorists who’ve bought their current vehicles with
low down payments and long loan terms often have
“negative equity” in them, meaning they owe more
than the car is worth in trade.
Sure, the dealer will pay off the loan, but will simply
wrap the amount of negative equity into the new-car
deal, resulting in a higher balance, a costlier monthly
payment and even a longer loan term.
You’ll also be in the uncomfortable position of paying
for two cars at the same time. It’s better to hold onto
your current car until it’s paid for, or at least until the
balance is whittled down sufficiently to realize actual
equity.
Outrageous New-Car Scams To Avoid
Finessed Financing
Automakers regularly offer cut-rate financing on select
models through their affiliated finance companies that
can be real money savers. Unfortunately, as the ads
state they’re reserved “for qualified buyers only.”
While lenders have been easing up on their credit
qualifications in recent months, only those with top
FICO scores (usually 690 or better out of a maximum
850) will even come close to qualifying for the most
favorable financing terms.
Everyone else will be asked to pay higher rates and
sometimes even a higher down payment; if your credit
is particularly tarnished, you’ll pay dearly. Even those
with stellar credit might find themselves being quoted
a higher rate at the dealership than they might garner
elsewhere.
Facilitating financing is a major profit center for new-
car dealers. Always shop around for a car loan ahead
of time among local banks (and a credit union if you’re
a member) to find the lowest rates for which you
qualify. If the dealer can do better thanks to a
promotional financing plan, so much the better; if not
obtain a lower-cost loan elsewhere.
Finessed Financing
Automakers regularly offer cut-rate financing on select
models through their affiliated finance companies that
can be real money savers. Unfortunately, as the ads
state they’re reserved “for qualified buyers only.”
While lenders have been easing up on their credit
qualifications in recent months, only those with top
FICO scores (usually 690 or better out of a maximum
850) will even come close to qualifying for the most
favorable financing terms.
Everyone else will be asked to pay higher rates and
sometimes even a higher down payment; if your credit
is particularly tarnished, you’ll pay dearly. Even those
with stellar credit might find themselves being quoted
a higher rate at the dealership than they might garner
elsewhere.
Facilitating financing is a major profit center for new-
car dealers. Always shop around for a car loan ahead
of time among local banks (and a credit union if you’re
a member) to find the lowest rates for which you
qualify. If the dealer can do better thanks to a
promotional financing plan, so much the better; if not
obtain a lower-cost loan elsewhere.
Outrageous New-Car Scams To
Avoid
Fun With Numbers
There’s a lot of paperwork involved in buying a new
vehicle, and wading through it all can become
unnerving when a salesperson or finance manager is
waiting impatiently for you to sign at the bottom of
each page.
Those with an aversion to numbers and/or lacking
math skills can find themselves at a distinct
disadvantage. “Mistakes” in paperwork are common,
and to no one’s surprise they usually favor the dealer.
The price of the car or trade-in value may not exactly
be what’s been agreed upon or the interest rate
quoted may be inflated. Sometimes the discrepancies
can be flagrant, such as when a buyer is asked to sign
a leasing agreement thinking it was actually a sales
contract, or when the value of a trade-in is
“inadvertently” left out. In other cases the numbers
may simply be off by a few hundred dollars or a half
percent.
Always take the time to read all documents carefully,
make sure the numbers all jibe with what’s been
agreed upon and use a calculator to check the math
before signing anything. And refuse to pay for
spurious charges that may suddenly appear in the
paperwork, like for “prep” and “advertising” that are
essentially part of the dealer’s cost of doing business.
---------------------------------------
Trade-In Tribulations
While a new-car buyer can usually get the most for his
or her current ride by selling it outright to a private
party, this is a time consuming process that’s fraught
with its own elements of peril. That’s why most
consumers choose the convenience of trading-in their
cars at a dealership and using the proceeds as part (or
all) of the down payment on a new model.
Unfortunately a dealer may artificially inflate the value
of your trade-in to help seal a deal and ultimately exact
that cost – often more – by manipulating other aspects
of the transaction. Always research the estimated
trade-in value of a car ahead of time via an car
valuation web site like Kelley Blue Book or NADA
Guides to get an idea of what it might be worth,
and always negotiate the trade-in value separately
from the new car’s price. It’s often worthwhile to bring
a car in to the dealership’s used car department and
get a bona fide trade-in quote ahead of time.
Beware that salespeople have been known to hold the
keys to a trade-in “hostage” while negotiating to
pressure customers to buy a new car, so never just
hand them over – always accompany the salesperson
or used-car manager while they’re giving your trade-in
a once-over.
Avoid
Fun With Numbers
There’s a lot of paperwork involved in buying a new
vehicle, and wading through it all can become
unnerving when a salesperson or finance manager is
waiting impatiently for you to sign at the bottom of
each page.
Those with an aversion to numbers and/or lacking
math skills can find themselves at a distinct
disadvantage. “Mistakes” in paperwork are common,
and to no one’s surprise they usually favor the dealer.
The price of the car or trade-in value may not exactly
be what’s been agreed upon or the interest rate
quoted may be inflated. Sometimes the discrepancies
can be flagrant, such as when a buyer is asked to sign
a leasing agreement thinking it was actually a sales
contract, or when the value of a trade-in is
“inadvertently” left out. In other cases the numbers
may simply be off by a few hundred dollars or a half
percent.
Always take the time to read all documents carefully,
make sure the numbers all jibe with what’s been
agreed upon and use a calculator to check the math
before signing anything. And refuse to pay for
spurious charges that may suddenly appear in the
paperwork, like for “prep” and “advertising” that are
essentially part of the dealer’s cost of doing business.
---------------------------------------
Trade-In Tribulations
While a new-car buyer can usually get the most for his
or her current ride by selling it outright to a private
party, this is a time consuming process that’s fraught
with its own elements of peril. That’s why most
consumers choose the convenience of trading-in their
cars at a dealership and using the proceeds as part (or
all) of the down payment on a new model.
Unfortunately a dealer may artificially inflate the value
of your trade-in to help seal a deal and ultimately exact
that cost – often more – by manipulating other aspects
of the transaction. Always research the estimated
trade-in value of a car ahead of time via an car
valuation web site like Kelley Blue Book or NADA
Guides to get an idea of what it might be worth,
and always negotiate the trade-in value separately
from the new car’s price. It’s often worthwhile to bring
a car in to the dealership’s used car department and
get a bona fide trade-in quote ahead of time.
Beware that salespeople have been known to hold the
keys to a trade-in “hostage” while negotiating to
pressure customers to buy a new car, so never just
hand them over – always accompany the salesperson
or used-car manager while they’re giving your trade-in
a once-over.
The 4-Square Method
This isn’t so much of an outright swindle as it is a car
dealer’s equivalent of Three Card Monty. Only instead
of trying to keep your eye on a particular card as its
being shuffled around face down on a table, you have
to keep your eye on the bottom line as a salesperson
manipulates various aspects of a new-car deal.
It’s called the 4-square method because the
salesperson often illustrates the various components
of the transaction on paper sectioned into four
squares.
The idea is if a buyer focuses firmly in on one facet,
usually the monthly payment, he or she can be easily
fleeced by manipulating the other parts of the deal to
the house’s advantage.
Fortunately, this scam is easy to counteract by simply
treating each component as a separate transaction
and to shop around for financing ahead of time to find
the most favorable rates and terms. And never buy a
car based solely on a given monthly payment.
---------------------------
Good For One Day Only
Some auto dealers loathe to let buyers cross-shop at
multiple dealerships – or for that matter take the time
to think a deal through before signing the paperwork
– so they’ll often do whatever they can to ensure one
only walks out through the front door if it’s with the
keys to a new car.
Typically, you’ll be told that a given deal on a
particular model will stand for that day only and will
cost more if you decide to come back tomorrow. That’
s pure butcher shop-grade baloney. The only
instance where this tactic might have a shred of truth
is if a manufacturer’s rebate is about to expire, and
that usually happens only on the last day of the month.
This isn’t so much of an outright swindle as it is a car
dealer’s equivalent of Three Card Monty. Only instead
of trying to keep your eye on a particular card as its
being shuffled around face down on a table, you have
to keep your eye on the bottom line as a salesperson
manipulates various aspects of a new-car deal.
It’s called the 4-square method because the
salesperson often illustrates the various components
of the transaction on paper sectioned into four
squares.
The idea is if a buyer focuses firmly in on one facet,
usually the monthly payment, he or she can be easily
fleeced by manipulating the other parts of the deal to
the house’s advantage.
Fortunately, this scam is easy to counteract by simply
treating each component as a separate transaction
and to shop around for financing ahead of time to find
the most favorable rates and terms. And never buy a
car based solely on a given monthly payment.
---------------------------
Good For One Day Only
Some auto dealers loathe to let buyers cross-shop at
multiple dealerships – or for that matter take the time
to think a deal through before signing the paperwork
– so they’ll often do whatever they can to ensure one
only walks out through the front door if it’s with the
keys to a new car.
Typically, you’ll be told that a given deal on a
particular model will stand for that day only and will
cost more if you decide to come back tomorrow. That’
s pure butcher shop-grade baloney. The only
instance where this tactic might have a shred of truth
is if a manufacturer’s rebate is about to expire, and
that usually happens only on the last day of the month.
Outrageous New-Car Scams To Avoid
Multiple Window Stickers
In addition to the standard window sticker that verifies a vehicle’s retail price, you may also
find another price tag that details charges levied for overpriced dealer-installed equipment
and other add-ons that are typically of little value.
Some dealerships use a second sticker to tack on additional charges to recover advertising
expenses or for something that may be called “ADM,” which is a clever way of collecting
“additional dealer markup.”
Refuse to pay such charges outright, though they may be unavoidable for a just-introduced
model, typically a long-awaited sports car, that’s in short supply but is enjoying great demand.
------------------------------------
Bait And Switch
This is the classic sleight of hand in which the promise of something – whether it’s a dollars-
off coupon, a low advertised price or interest rate, promised trade-in value or what seems to
be a bona fide price quote from a web site – is used to lure a shopper into a dealer’s
showroom.
After inhaling that new-car smell and getting in a buying state of mind he or she is told that
the offer is expired, the price has gone up, the advertised car has already been sold or any
other number of excuses why that particular offer is no longer in effect. Instead, the buyer is
offered a higher priced vehicle, more expensive interest rate, lower trade-in value – you get
the idea. If a dealership won’t honor its offers, head for the door and find one that will.
Multiple Window Stickers
In addition to the standard window sticker that verifies a vehicle’s retail price, you may also
find another price tag that details charges levied for overpriced dealer-installed equipment
and other add-ons that are typically of little value.
Some dealerships use a second sticker to tack on additional charges to recover advertising
expenses or for something that may be called “ADM,” which is a clever way of collecting
“additional dealer markup.”
Refuse to pay such charges outright, though they may be unavoidable for a just-introduced
model, typically a long-awaited sports car, that’s in short supply but is enjoying great demand.
------------------------------------
Bait And Switch
This is the classic sleight of hand in which the promise of something – whether it’s a dollars-
off coupon, a low advertised price or interest rate, promised trade-in value or what seems to
be a bona fide price quote from a web site – is used to lure a shopper into a dealer’s
showroom.
After inhaling that new-car smell and getting in a buying state of mind he or she is told that
the offer is expired, the price has gone up, the advertised car has already been sold or any
other number of excuses why that particular offer is no longer in effect. Instead, the buyer is
offered a higher priced vehicle, more expensive interest rate, lower trade-in value – you get
the idea. If a dealership won’t honor its offers, head for the door and find one that will.
MSRP= The manufacturer's suggested
retail price (MSRP), list price or recommended
retail price (RRP) of a product is the price which
the manufacturer recommends that the retailer sell
the product.
The intention was to help to standardise prices
among locations. While some stores always sell at,
or below, the suggested retail price, others do so
only when items are on sale or closeout/clearance.
-------------------------------
Automobiles
Monroney sticker
A common use for MSRP can be seen in automobile
sales in the United States. Prior to the spread of
manufacturer's suggested retail pricing, there
were no defined prices on vehicles and car
dealers were able to impose arbitrary markups,
often with prices adjusted to what the salesperson
thought the prospective purchaser would be
willing to pay for a particular vehicle.
Currently, the MSRP, or "sticker price" — the price
of a vehicle as labeled by the manufacturer, is
clearly labeled on the windows of all new vehicles,
on a Monroney sticker, commonly called the
"window sticker". This is substantially different
from the actual price paid to the manufacturer by
the dealer, which is known as the invoice price.
retail price (MSRP), list price or recommended
retail price (RRP) of a product is the price which
the manufacturer recommends that the retailer sell
the product.
The intention was to help to standardise prices
among locations. While some stores always sell at,
or below, the suggested retail price, others do so
only when items are on sale or closeout/clearance.
-------------------------------
Automobiles
Monroney sticker
A common use for MSRP can be seen in automobile
sales in the United States. Prior to the spread of
manufacturer's suggested retail pricing, there
were no defined prices on vehicles and car
dealers were able to impose arbitrary markups,
often with prices adjusted to what the salesperson
thought the prospective purchaser would be
willing to pay for a particular vehicle.
Currently, the MSRP, or "sticker price" — the price
of a vehicle as labeled by the manufacturer, is
clearly labeled on the windows of all new vehicles,
on a Monroney sticker, commonly called the
"window sticker". This is substantially different
from the actual price paid to the manufacturer by
the dealer, which is known as the invoice price.
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WHO REALLY RUNS THE WORLD? TAKE A LOOK AT THE SECRET SOCIETIES... Yes here are
things you may not know yet! Secret Societies Control the World and everything that is
including. LEARN MORE HERE...
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Financial Freedom:
How to Become Wealthy? Save Smartly, Invest Wisely'' Managing Money Constantly, Invest
considerably. Ten Resolutions to Make Your Financial Life Easier'' The Capitalist Class And
Money. LEARN MORE...
--------------
Secret of Wealth:
Prosperity And Abundance According To The Scriptures.
AFFIRMATION: Prosperity within us, abundance within use, wealth surrounding us.
LEARN MORE...
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Rule Of Success: The Rules of Money, THE JOURNEY...
Money,How to Make It, and How to Hold on to It - Basic Money Rules That Could Make You
Change Your Life Financially. '' MONEY AND WEALTH'' LEARN MORE...
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Financial Knowledge:
Ten Tips For The Successful Long-Term Investors. ''10 Reasons to Open a Roth IRA''-
Ten Steps to Building a Winning Trading And Investment Plan. LEARN MORE HERE...
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Increase Your Knowledge here in different important topics and subjects, improve your
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rocket science. It's understanding the rules of finance. LEARN MORE...
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Entrepreneur, Entrepreneurship
Millionaire want to be. Ways to make your first, second {2nd}, and even your third
{3rd} million dollars... Or Looking to earn some extra cash in your spare time? Here How..
LEARN MORE...
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Saving Money:
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Free Stuff: How And Why People Are Paying For Products & Services They Can Get For
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Retirement Guide
'Ultimate retirement GUIDE to Social Security. 12 Important Things You Must Know About
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