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Digg it UP - Money Does Talk!
For the manager of the Building Records unit at a major west coast public University, the document storage problems were critical. The problem wasn’t justifying budget for more space. There was no more space to be had.The Facilities Management Department must preserve and keep accessible more than 40,000 original plans and drawings. Many of the documents date from the University’s founding and were hand drawn by Architects and Engineers long gone. These include architectural, structural, civil, mechanical, plumbing, electrical and othe
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about
Call center magazines enable readers to understand complex and dynamic issues related to call centers such as marketing, management, and technology. The magazines are also a great source of contacts and information for people who are already in the telemarketing business or others who want to set up their own call centers.Call center magazines provide comprehensive and balanced product information on call center tools, administration, and operations. These magazines are written by a dedicated staff of editorial experts, corporate/call
In recent years, when you are buying a house it is easy to get financing of the first mortgage, so the seller is not forced to finance the whole sale. What I mean is the seller doesn’t become your first mortgage holder, the bank lends the money and the seller get the cash. Moreover, he will most likely make some concessions if he doesn’t have to carry back a second trust deed.
Therefore giving the seller all cash, will usually get you a better deal than asking the seller to let you buy the house with a very low down payment, with him carrying back a sizable trust deed. The big savings come when you are buying real estate that doesn’t have easy institutional financing available. The purchase of vacant land can be the best example.
My father was interested in buying industrial lots in the city of Montebello, just east of downtown Los Angeles. This was during the 1960’s. In those days it was common for a buyer to put down 20% and the seller to finance the remaining 80% for 10 years at 8% interest. For example: a $10,000 lot would cost you $2,000 down with $97.06 payments every month. After 10 years the total of the principal and interest payments would be $13,647.45. If you wanted to build on the property you had to pay off the land loan, first. The sellers then would not have to wait the whole 10 years before getting all their money.
Many property owners sold their property because they wanted money and getting the $2,000 wasn’t much money to them. So, my father would offer $5,000 all cash to the sellers. More than 1 out of 5 would take the cash up front instead of waiting for payments over 10 years. By offering the extra $3,000 cash down, my father saved $8,647.45 on the sale ($5,000 on the price reduction, plus the interest on the note). Now that is buying wholesale!!
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about w
What is Unclaimed Money?Think you know where all your money is? Maybe not. There are over 50 million people that are owed unclaimed money. Their money has been turned over to state and federal databases and is waiting to be claimed. Most have no idea the money is there!Experts have estimated that as many as 8 out of 9 people are owed unclaimed money. This statistic seems high, but consider that in California alone close to $1 Billion will be added from 2006 to the $4.8+ Billion already laying in the CA state unclaimed money pool
Therefore giving the seller all cash, will usually get you a better deal than asking the seller to let you buy the house with a very low down payment, with him carrying back a sizable trust deed. The big savings come when you are buying real estate that doesn’t have easy institutional financing available. The purchase of vacant land can be the best example.
My father was interested in buying industrial lots in the city of Montebello, just east of downtown Los Angeles. This was during the 1960’s. In those days it was common for a buyer to put down 20% and the seller to finance the remaining 80% for 10 years at 8% interest. For example: a $10,000 lot would cost you $2,000 down with $97.06 payments every month. After 10 years the total of the principal and interest payments would be $13,647.45. If you wanted to build on the property you had to pay off the land loan, first. The sellers then would not have to wait the whole 10 years before getting all their money.
Many property owners sold their property because they wanted money and getting the $2,000 wasn’t much money to them. So, my father would offer $5,000 all cash to the sellers. More than 1 out of 5 would take the cash up front instead of waiting for payments over 10 years. By offering the extra $3,000 cash down, my father saved $8,647.45 on the sale ($5,000 on the price reduction, plus the interest on the note). Now that is buying wholesale!!
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about
On a copywriting board I frequent, someone expressed bafflement that several respected marketers criticized the tone of a sales page he wrote. "Why did they apologize to their subscribers while linking to my pitch? This approach sells," he said.Hype was the problem. If you use the following tactics, many educated shoppers cringe and go elsewhere:Overblown claims. "If You Can Write Your Name, You Can Write a Book in 30 Days - Guaranteed!"Overexcited tone. Lots of exclamation points, phrases in bold capital lett
My father was interested in buying industrial lots in the city of Montebello, just east of downtown Los Angeles. This was during the 1960’s. In those days it was common for a buyer to put down 20% and the seller to finance the remaining 80% for 10 years at 8% interest. For example: a $10,000 lot would cost you $2,000 down with $97.06 payments every month. After 10 years the total of the principal and interest payments would be $13,647.45. If you wanted to build on the property you had to pay off the land loan, first. The sellers then would not have to wait the whole 10 years before getting all their money.
Many property owners sold their property because they wanted money and getting the $2,000 wasn’t much money to them. So, my father would offer $5,000 all cash to the sellers. More than 1 out of 5 would take the cash up front instead of waiting for payments over 10 years. By offering the extra $3,000 cash down, my father saved $8,647.45 on the sale ($5,000 on the price reduction, plus the interest on the note). Now that is buying wholesale!!
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about
Can leadership exist where there is no vision? For perspective, let us review the Story of the Three Stonemasons.Three stonemasons were busy at work when a passerby asked them, “What are you doing?”The first stonemason responded, “Laying bricks, sir.”The second mason answered, “Earning a living.”But, when asked by the passerby what he was doing, the third stonemason said, “I’m building a cathedral.”The third craftsperson had a vision and saw the greater purpose of their labor. It was the third that recogniz
Many property owners sold their property because they wanted money and getting the $2,000 wasn’t much money to them. So, my father would offer $5,000 all cash to the sellers. More than 1 out of 5 would take the cash up front instead of waiting for payments over 10 years. By offering the extra $3,000 cash down, my father saved $8,647.45 on the sale ($5,000 on the price reduction, plus the interest on the note). Now that is buying wholesale!!
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about
Selling is a profession that attracts hundreds of thousands of men and women to its ranks each year. Have you ever wondered why so many of us become salespeople? After all, selling is ain’t easy. There are many jobs that require much less energy and don’t generate nearly as much stress.A good 80% of the salespeople throughout North America that spend endless hours trying to convince existing customers to buy more and prospective customers to change loyalties will tell you that sales is darn difficult.One reason selling is such a
Buying cars can be done the same way. When you pay retail, the dealer talks monthly payments. If he lowers the price, he’ll raise the interest rate. When you are buying for cash, he can only talk price. When you are leasing an automobile, they don’t even tell you the price!
The major consideration in leasing a car or not, is made by the leasing company to be all about what the monthly payment is going to be and how much extra it is going to cost you when you drive over 12,000 miles per year. Ever financed a used car from a “no credit check” dealer? He gets you for 36% interest on the balance you borrow, after getting a 50% down payment from you. Then if you miss a payment he takes the car and sues you for the difference. Buy what you can afford in cash and save making the lenders rich.
I read a report once that said that the average man makes $1,500,000 over his lifetime. Of that amount, he uses $600,000 to pay the interest on his purchases. Let’s look at the purchase of a home, from a slightly different point of view. A man who makes $1,500,000 in a lifetime will be earning on average about $30,000 a year or $2,500 per month.
He can afford to spend 40% of his income on rent or a mortgage payment. This means that he can afford a $150,000 house. If he can qualify for a 90% loan he would owe $135,000 at 8% amortized over 30 years. That means he pays $221,609.58 interest plus the $150,000 principal to buy this one house and pay it off over 30 years. The interest alone is almost 15% of his lifetime earnings! Buying anything on credit can cost you more than the retail price because you must add the interest to the cost of the item.
My suggestion. Buy for cash and negotiate for the best price you can get. If you must borrow, pay it off in as short a time possible. Also, never borrow for personal consumption. Postpone the purchase long enough to pay cash. If you can’t afford to wait until you save the money, you shouldn’t buy the item. It is just too expensive. To buy on payments raises the cost even higher than the cash price, so it becomes even more expensive. So if you cannot afford the cash price, you definitely cannot afford the financed price. My suggestion is to pay cash and buy wholesale. BUY THE BEST, PAY CASH
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