Author Archives: kalie

Vintage Car Insurance – Who Knew it Could Be Easy to Find

Owning a restored car sends several messages to the world. It shows that you have the ability and determination to pursue your dream. There is also the status symbol and prestige of owning a high maintenance vehicle. Another plus is all the new friends that you meet at car clubs and car shows.A large investment in time, money, stress and effort have been spent on restoring your car so you and others can admire it’s original beauty. Most owners will keep their cars in storage and just roll out for car shows or parades. A few will very carefully drive around to make sure all is well. Having a restored car stolen or destroyed can be a huge financial and emotional blow.This is why you need insurance specifically tailored to your needs for your older car. The price of a vintage car insurance policy will depend on the make and model of your car. The more expensive car or a rare car, will also determine the rates for your car. Make sure that the insurance policy will guarantee the value of the car. Please do this prior to signing up! There have been some insurance companies that have denied claims for complete valuation. Having a guaranteed value included could mean an extra charge on the policy, this is worthwhile if the car is damaged beyond total repair or is stolen.

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Shopping for vintage or classic car insurance can be as easy as looking in the yellow pages of your phone book. Another great source is vintage or classic car magazines or newsletters from clubs. Insurance agents and or companies will advertise for business they want in those publications to get that business.A phone call for a quote or a visit to the office, if is close enough, is the best way to start. There will be a lot of questions, yours and theirs, and you may want to start a separate notebook which has all your questions and what you want the to cover. Comparing what is offered at the different companies can be a challenge, but keep your notebook and if you have any questions, keep calling until you are satisfied with your ultimate insurance decision.

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A very popular way to search for vintage car insurance is searching the internet. You will be able to find additional insurance companies that handle your insurance needs. Usually, they aren’t local so you don’t have to go to their office. Keep that notebook handy of your questions and their response to your questions or policy terms. If you email your questions, and they respond back by email, you may want to print those responses and keep in your notebook if you decide to get insurance with that company.You aren’t done yet! Like any insurance policy, you do want to review your coverage, and valuation, every year to make sure that if anything happens, you are up to date.

What to Look for When Finding the Best Baby Stores Online

When it comes to their kids, parents will do anything and everything to ensure that they get only the best, never mind if they have to spend a few extra dollars for it. While this is an admirable sentiment, it can also cause a huge dent on your household budget and the last thing you want is to have to borrow money just to get baby his weekly diaper supply.The best doesn’t necessarily have to mean the most expensive but then it also doesn’t mean you can compromise on quality. It’s only a matter of making informed choices, brought about by exercising careful thought and consideration, as well as doing thorough online research. Also, if you live at least an hour away from the nearest mall, online shopping is definitely the best option for you.The fact is, parents are busy, especially if they are expectant parents. Between the visits to the doctor and shopping for baby stuff you’ll need, not to mention the Lamaze classes and the baby shower, there isn’t time to even stop and breathe with so many things you need and have to do and traipsing from store to store for hours just isn’t practical when you can do online shopping and find everything you need in a matter of minutes. The choice is obvious, don’t you think?These days, moms find it so easy and convenient to shop online. Not only does it save them time from traipsing from store to store at the mall with the baby and the big kids in tow, it also save them money as items bought online are usually significantly cheaper than their retail counterparts. The only thing that can be quite a downside is not being able to fit the clothes or the shoes but then again sizing charts online can easily resolve that dilemma. It is also helpful to look for sites that are user-friendly — ones that are easy to navigate so you can find the items you want in the fastest time possible.

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First of all, online selection is endless. Not only are able to browse through the widest selection ever, you may also be able to find items that are not usually sold in retail stores. Want something but the store where the item is sold is miles away? Just look it up online and buy it. Complete accessibility and ease is something shoppers love about the internet and you don’t have to worry about the items you want going out of stock because it just doesn’t happen here, not when online merchandisers are able to top up their stock as soon as it runs out.Plus, you don’t have to hurry because online stores never close and you can shop to your heart’s content at your own pace anytime, every time. And with these sites posting online testimonials and reviews from previous customers, you’ll know at once if they’re the real deal and if they live up to their promises or not as these are honest opinions from moms just like you.However, just what should every parent check for when looking for the best baby stores online to get their baby stuff from? First off, it is easy to give in to your compulsive shopping tendencies so you rather than end up maxing your credit card out from buying stuff you don’t really need, start by making a definitive list of what your baby actually needs. If you’re shopping for baby furniture for example, have the space measurements ready so that you can narrow down your search parameters and come up only with results you want.You must also check out the sites product selection and go for ones that sell everything — more than the usual strollers, car seats, high chairs and nursery stuff, the online stores you go to should also sell educational toys, specialty items (for parents with kids who have special needs) and other much-needed baby supplies and products like diapers, wipes, formulas, etc. You should also look for retailers that offer the option to personalize your baby stuff, as well as those who sell eco-friendly options.One of the best things you can find online are budget-friendly versions of reputable online baby stores which are kind of like a spin-off of the original. These companies will come up a store that sells less expensive but nonetheless high quality items from their inventory that cater to those on budget constraints but don’t want to compromise on quality. Never make price the main consideration when shopping for your baby’s stuff online as often, cheap will mean mediocre, which is the last thing you want for your baby.Also, some baby store websites will have terms and conditions that pop up just before you click “Buy”. Make sure you read the fine print and understand everything as you could end up paying for more than you bargained for. Some sites will include add-ons like travel insurance that you can supposedly opt out but once you hit the button, the checkbox defaults to Yes. Make sure that the site you go to allows you to go back through the ordering process and make any changes you wish to make before proceeding to checkout.

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Then again, there are stores that offer layby options. This means you can pay for the items you got on an installment basis as long as your purchase reaches a certain amount that can qualify you for it. This allows you to afford all the stuff you need and pay for it according to your terms.Make sure as well that you check for shipping fees, return and refund policies. Shipping fees will always depend on the location and some sites will charge higher fees the further you are or charge flat rates regardless of wherever you are. Remember that shipping fees add to the price so choose those sites that offer flat rates or at least some sort of discount to make your purchases worthwhile. Some stores will often inform you of the waiting time for delivery only after you’ve paid for the item so check, check, check, read, read, read before you pay.Of course we can never warn you enough about secure websites. These are usually identified by the padlock icon or anything similar and usually start with https:// to stop your credit card information from being accessed without authorization or encrypted. However, it is also recommended that even with these identifying marks, you should still check out the website’s privacy agreement so you’ll know how they will handle your personal information.

Building A Better Life By Associating Yourself With Excellence

If you are in the process of building a better life or perhaps rebuilding your life, you need an inner foundation. Excellence is something of a North Star and simultaneously an inner steel framework that can help you to withstand life’s inevitable storms. It’s also the framework that you’ll use to build the details of your life. It isn’t the only part of your inner core’s foundation, but it is a meaningful part of the structure and it is within your grasp and control. In life, you need to control what you can control.This is a long-term investment, project, process, and inner fitness program. Simply start wherever you are in your journey in life and hone your focus deeper and deeper. Excellence and care needs to permeate as many parts of your life that you can muster. I’m not just talking about professionally. And I don’t want you to confuse “excellence” with “perfection.” There’s an old football saying that goes something like: if you shoot for perfection, you won’t achieve it, but you should achieve excellence in the process.” I don’t want you to get hung up on perfection, because it has a way of playing tricks on your mind. But excellence is something you want to get to know. And you’ll need to be honest and humble with your own self-assessment along the way as well.

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Excellence needs to be your guide and influence your inner voice as much as possible during this rebuilding/building process. Tom Brady, highly admired and accomplished quarterback for the New England Patriots, got into a car accident a few years back. It wasn’t his fault. His quote was something like: “… all I know is… I was the safest driver on the road at that time. My hands were on the 10 and the 2 position.” The guy strives for excellence in everything he does, including driving to work. That’s what I mean by excellence needs to permeate every part of your life. Cooking, cleaning, mowing the lawn, brushing your teeth, exercising, the food you eat, being a parent, spouse, friend and of course a working professional-everything you do, you need to do it with excellence in mind. You will find once you start this that you will keep raising the bar. It may be overwhelming at first to do this at all times in every aspect of your life. Start somewhere doing the best you can do and build.HOW DOES IT WORK?You’ll start making decisions based on excellence and much less on sloppiness or haphazardness. You’ll start guiding your personal life with well-founded wisdom, because you have built up a cognitive history of approaching things more carefully with excellence in mind. You’ll start achieving more professionally, because you will be putting in the effort required to achieve the most you possibly can. Associate yourself with excellence and excellence will be drawn into your life – that’s a twist on The Law of Attraction. If you get off track and find that “trouble” is starting to creep back into your life – refocus on excellence and it will have a calming effect. You’ll start to feel stronger and more confident.REAL LIFE EXAMPLEI had a client that hired me to do a few projects. Over the course of a few months, it became clear that he was not “about excellence” and I began to worry about him and his chances of success. Not only were there egregious constant typos in his e-mails, but he did not take the time think and review what he was writing and he sent people off in the wrong direction on numerous occasions, he made promises he couldn’t keep, he didn’t think through decisions big and small, didn’t bring in the right people to help with the decision making, had to double-back, and quite often caused double-work to be done. The shear volume of inefficiency he caused was the least of his issues. Eventually he asked me to help protect his business from collapsing (for free). He was a good guy and accomplished in his vocation, but he did not have a calm center and excellence did not permeate his life. When you are like this, life becomes a gamble. Life will become hit or miss. It’s a close to a fact as you can get.

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RECAPPursuing excellence is like an insurance policy to try produce the most constant positive results in your life. Our goal is to maximize our human potential and this is a constant process. You need to be your own coach – tough on yourself to notice when you’ve put in insufficient effort and honest with yourself about the areas where you need to improve. You need to be your own cheerleader when you see positive results. The more you pursue excellence, the stronger the inner foundation you will achieve. Life can be unpredictable, but this is something you can control. You can work that inner excellence muscle and make great things happen for yourself.

The Foolproof Way to Grab Your Reader’s Attention

Doesn’t it drive you crazy when people tell a story that drags on and on until you want to shout, “Get to the freakin’ point already!”?Or you wish you could just walk away?When we write, it’s easy to be that guy people want to walk away from because we take way too long getting our copy started. And when your writing drags on, your reader can easily delete your email, leave your website, or throw away your letter. That’s bad for business.Thankfully, you can prevent this from happening by writing an effective lead (also spelled lede).Pull them into the conversationThe lead comes right after the headline. Once your headline (or subject line if it’s an email) gets the reader’s attention, you pull them further into the copy by making your next few sentences very engaging.Think of the lead as the conversation at the bar that follows, “Can I buy you a drink?” and she says yes. Now you have to make conversation and keep her interested.Start to bore her and you’ll end up with a curt, “Thanks for the drink” as she walks away.But if you keep her smiling into your eyes and laughing along with you, you can start planning the evening.Written correctly, the lead increases your chances of getting the desired action because it holds the reader’s attention and pulls them further into the copy. As we mentioned in a previous post, the lead can take anywhere from one sentence to a third of the overall copy.

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But no matter what the length, your lead needs to do one thing: Tell the big, overriding benefit you’re promising the reader.Your Big PromiseBefore you start writing, list out all of the benefits your product or service offers the reader. Out of that list, there’s one that’s the granddaddy of them all and pushes your readers’ emotional hot buttons more than all of the others.That’s the big promise your lead must focus on conveying.Depending on what you’re selling, you’ll either present your promise as an Indirect Lead or a Direct Lead. Here’s how to decide which one to use…The Indirect LeadFor some products and services, it’s difficult for your prospect to associate an exact dollar value. For example, if you’re a life coach helping people live happier lives, each person interested naturally assigns a value to feeling happierWhen your value is less tangible, your big promise is usually a feeling of:· More power· More admiration· More attractiveness· More popularity· More control over your healthAnd so on. So how do you put a dollar value on a treadmill that makes you feel sexier?What’s more, many intangible benefits can’t be stated outright because most people are embarrassed to admit what they really want. Imagine a 70-year old man at a Porsche dealership admitting he wants the car to feel younger and more virile. Not gonna happen.That’s when you should use the indirect lead. The indirect lead tells a story to increase perceived value. As done by this lead from a life insurance company:”Dear Member, In just a few weeks from now, this could be you… You’ll receive a valuable document in the mail. It will be from us. You’ll review it carefully, then slip it into your brown manila envelope for safekeeping. And feel greatly comforted. Rightly so. Because it will be a Certificate of Coverage made out in your name, and for the amount you specify (from $25,000.00 to $200,000.00). You’ll know that, if anything happens to you, this Certificate will quickly turn into a real benefit. This money may be a lifesaver for your family, as it helps make their future more secure. Their dreams can still come true. Thanks to you.”The big benefit promised in this letter: peace-of-mind knowing your family is taken care of after you’re gone. And it hints at the pride you’ll feel knowing you’ve taken care of them in case something should happen to you later.Peace-of-mind and pride. Pretty powerful emotions. What’s that worth? $100, $500, $1000? Most people can’t give you an exact number.

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But when you tell it in a story that gets them emotionally engaged and makes it personal, they’ll come up with a number in the back of their mind. And if you wrote the rest of the sales letter properly, that number will be a lot higher than what you’re charging, so they’ll be glad to buy from you now.The Direct LeadNow what if you’re selling a product that people generally associate an approximate value? Such as an appliance, jewelry, or toner cartridges. In this case, you can state your big promise outright in a single sentence.Example: “Take 2 strokes off your golf game in less than a day with Swing Correct. Results guaranteed.”Here, your lead engages the reader just by stating the facts. Direct leads are pretty straight forward.So before you start writing, make a list of your benefits and pull out the big promise. Then decide if your big promise is tangible or intangible.Write your lead and let someone read it. You’ll know you did well if the person is so engaged, he wants to read more.Another copywriting practice is write out your lead, then delete the first three paragraphs.For many of us, it takes that long for our brains to warm up and finally get to the good stuff. Then you can start refining from there.

If You Have To Ask How Much Then Exotic Cars Aren’t For You

What do you think of when you hare the term exotic sports car? Ferrari, Lamborghini, Maserati, or maybe a McLaren. In the truest sense of the term it refers to limited production sports cars made outside of the United States, but built by some of the biggest names in the industry.The McLaren F1 is one such car. Once the fastest car made at 0-60 in 3.1 seconds, it is also one of the most expensive selling for well over a million dollars. There were only 107 produced from 1994 -1998 and it is very rare that one ever finds its way to market.

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The McLaren gave up its title as world’s fastest car in 2005 losing it to the Koenigsegg CCR, a Swedish made car that has a top speed of 241 mph. The sweet taste of victory didn’t last long for the Swedes however as the Germans quickly blew their record away with the introduction of the Bugatti Veyron built by Volkswagen AG, named for the race car driver Pierre Veyron who won the 24 hours of Lemans in 1939 while with the original Bugatti company. This car has a top speed of 250 mph and a blistering 0-60 in less than 2.5 seconds! It is also now the world’s most expensive car at 1.3 million dollars.The performance and the beauty of design of these exotics are both seductive and intoxicating and it is easy to see how one who has the money would own one. Even for those that might have to stretch a little to buy one the lure of having such a beauty is hard to resist.Even if you are fortunate enough to be able to afford one of these beauties you also need to be prepared upfront for expensive ongoing maintenance and an outrageously high insurance premium, if you can find an insurer.

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You also will need to have considerable patience for repairs because parts are not easily found and you will sometimes even have to have the parts created yourself. There are also very few mechanics in the world qualified to work on such cars and you definitely don’t want some shade tree mechanic working on your million dollar car.Don’t let your ego overrule your senses. If you truly can afford a car such as these, congratulations and more power to you, but if it is a stretch at all you are better off to admire them from afar.

Tips For Picking Good Home Insurance From Admiral Insurance

Admiral Insurance in the UK has been dealing with many clients for some time now. They offer low-priced quotes for home insurance coverage, bike insurance, life insurance, car warranty, pet insurance, van insurance and travel insurance. It also has multi-car insurance for people who own more than one car. They also offer different discounts for different policies depending on the time period of the policy.Protection is provided for your home, based on value of the place, nature and its contents. The company offers right prices for the right coverage. Different policies are available that allow you to choose between the contentsBeing a homeowner, you should look for good quotes so that you can make a wise choice later on. It offers different quotes for different insurance policies. Provide the necessary information to get accurate quotes. You can also use these quotes and compare them with other quotes available on the internet for better understanding.

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Make sure to provide accurate information to the company. Things such as the amount of the home loan, coverage amount, and value of the house are some of the important parameters that should be checked very carefully. It is also very particular about the items that should be covered with the Home insurance. A careful look at all the home plans should give you a better understanding. Do this research before applying for insurance quotes.Home insurance quotes do not always remain the same for any company. They change with time, depending on a few factors. Consult your agent and ask for details and factors that may result in an increase in the price for the coverage. The agent can also advise you, helping you choose the best policy that suits your needs.Your agent is the only person who can also pick the best discounts for the policy you are going to take. Discounts can be of different types. You can also consider money off in the monthly payments as a type of discount offer. Special discounts are also given if you install burglar alarms in your house.Quotes for home insurance can also be obtained over phone. Accurate quotes are provided by the companies only if you give the appropriate details they are looking for. The company provides all the information about their premium rates and coverage on the phone. The internet is yet another major source to find the quotes for your home insurance. The internet can also help you find distinctive reviews from different people about the insurance companies you are considering.

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It is almost impossible to predict the climatic disasters that could happen. Therefore it’s wise to invest your money in home insurance for this good reason. So get quotes from a good company such as Admiral Insurance before finalizing a deal. Get quotes from the best companies and then short list quotes based on your needs. Make sure to take the advice of your agent to get the best possible deals with various discounts.

Secrets to Buying Without Being Sold

Have you ever asked yourself, now how did I let that guy sell me on something that I had no real need for at the time? Do you ever get a sneaking suspicion that your probably not going to really use whatever it is that your buying in the way that it was presented? If this is true which is often the case, then why in the heck do we give up our hard earned money for something that until we heard some sales spiel, we really had no need or want to have.Please allow me to expose what marketers do to us on a regular basis in an effort to develop those perceived wants, needs and desires in us which drive us to buy what is being offered.Let me first tell you that My wife Kimberly was at one time a true life consumer protection agent for Pinellas county Florida and I along with her have the same bent attitude towards protecting people as opposed to seeing them being taken advantage of, If you can let your guard down for a minute I think you’ll absorb these keys to understanding better and you’ll get more out of what I’m about to tell you.Secrets that marketers don’t want you to know!(When you buy, use logic not emotion)o A good marketer or salesman will always make it as easy as possible for you to buy whatever they are selling, check, cash, credit, fax, phone, mail or on line, That’s fine we want that, but almost without question once you have decided that your ready to check out you’ll find the up-sell pitch almost preventing you from completing the transaction. The up-sell is where once they have you sold on the least expensive item or package deal, they attempt to upgrade you to a more expensive premium feature, option or package.A Variation of this technique is the cross-sell, this is where they start adding options to the item that you have decided to buy, cars are a good example with undercoating, floor mats, premium sound systems, Sport packages etc… these are things that enhance the desirability of the original product sold.Key: Don’t fall for the sale, after the sale.o The next tactic relied upon by many is to prey upon your fears, there is a rule that says people will buy ten times more often to relieve fear then they will to obtain pleasure, insurance companies use this tactic by instilling fear and guilt in you by saying you will be leaving your family broke, destitute and homeless if you fail to provide this protection through the products they sell. Once they have the fear established then you would see the focus put into selling the benefits that would result from your wise decision to buy today.KEY: Recognize when someone is trying to instill or plant fear into you and also remember who initiated the conversation. Did you originally need this protection or has someone made you feel that way through a mind altering sales script.

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o Their next ploy is the take-away, here they employ the factors of scarcity, greed and time, you often see it used in the following manner; You must act now on this exclusive offer, we only have a limited supply at this price, this won’t last long call now! In this case they make it appear there’s not many, it’s a great deal and it will be gone, you are about to lose the advantage, the edge, the deal, the benefit, the opportunity will be gone.Again the fear of loss and the loss of pleasure are being used to get you to logically make an emotional decision based on fear, they want you to act fast so you don’t have time to think!Key: Know that the deal will most often be there tomorrow and think logically when making your decision on whether or not to buy, use time as your ally.The ability to make quick decisions and stick to them is an admirable quality, but you must insure you indeed did make the right decision to start.o You must be aware or beware of savvy salesman, one trademark quality of this type of individual is his or her ability to lower your resistance to their pitch, often you find them criticizing the product or service before you get the chance, this is known as Objection Resolution. Based on their experience they know what often will prevent a sale before they begin, so they bring it up first to effectively remove their biggest obstacle to the sale.Key: Ask yourself if this feature is critically important to the products ability to solve, provide for, or deliver the results that you intend to buy it for, if not? Then you may consider dwelling awhile on the defect to get a price concession or discount based on that fact. Don’t allow your resistance to be lowered through dissolving, disabling or disarming sales double talk.o Another orchestrated event you’ll often see is the use of the image plant or involvement device these are designed to get you into an ownership state of mind as if the product or service being sold is already yours and the benefit will now be achieved. By getting you to envision some great outcome or result they tout how much better your life will be, IE… Slimmer, stronger, healthier, happier, WEALTHIER! When dealing with hard goods they ask you to hold it, feel it and smell how nice it is, by getting you to investigate further they increase the odds that you will take ownership. How about a free test drive?Key: Remember! A generous offer often comes with a hefty price tag, don’t allow yourself to get involved to quickly in what seems to be the deal of a lifetime.o Moving on to the super smooth and accomplished salesperson we find an even more persuasive individual who is adept at patterning and mirroring you yourself! These people will move as you move, adjust the tone and dialect of their speech patterns to your type and style while getting you to respond with as many yes answers as possible, if they can get you nodding and saying yes to obvious questions that evoke that response then you could say that they are conditioning you to continue agreeing with what will come next, that question being: And how would like to pay for that? Will that be cash or charge? Would you like that in red or blue? That is the close or what is called assuming the sale.As you can see these types are very well healed and they actually are using a little acting and showmanship on you, They use scripts to control the sales event and they don’t leave much to chance, if your weak and unprepared then consider yourself vulnerable to being persuaded by this professional at work.Key: Ask your own questions to take them out of their script, and when they prompt you for that affirmative yes answer, say to yourself: I’d like to think about that for a moment. Again slow the process down to see what’s going on before it’s too late.o One last Character and we’ll rap this thing up, this fellow presents the good ole boy image, the friendly type who spends a great deal of time conditioning you to buy through storytelling, he’ll give you examples of others who received extraordinary results, benefits, satisfaction, performance, reliability or a hundred other favorable outcomes from taking his advice.Key: If you find yourself being captivated by good storytelling then you should recognize that your tendency to buy is slowly being increased. Once you recognize the method you should immediately refocus on your specific needs and what the product or service actually delivers. Again you’ll need to use logic to avoid the emotional images being conjured and implanted throughout the presentation.There’s an old saying that says the more you tell the more you sell, I can agree with that to some extent but I come back to the fact that if something is of great value at a low price, it sells itself! with only enough advertising to get word of mouth to do the rest.By now I probably have you afraid to leave the house after telling you how these individuals go about their craft, fear not educated consumer we have a solution!Simply by understanding and recognizing the simple tactics used in the trade we can effectively neutralize them and continue on our way to getting the best deals on the products and services that we truly need, want and desire.Lets recap and create our own script or methods to counter the professional salesman’s effort.How can we neutralize Up-sells, Cross-sells, Fear of loss, Use of guilt and shame, take-a ways, pre-emptive resolutions, Image plants and involvement devices, Patterning and Mirroring, Assumptive closes, and good storytelling? Simply by recognizing that they are being used to stir our emotions in a sales situation!

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Once you are aware of the tactic and recognize that it is being employed you can defend against it, now you know the rules of the game and can make an effective corresponding move to counter the well thought out strategy of the seller.How can we make the buying events easier on ourselves other than just keeping our guard up for all these different emotional appeals?I believe the #1 way to insure a great deal is to know whom your dealing with! By using referrals, reviewing unbiased testimonials and obtaining proof in cases where you don’t actually know the person or company in question you will be one step closer towards feeling as though you will receive more than an average benefit from the transaction. Note: If you can cut out the middleman than I encourage you to do so whenever possible.Try to buy direct from the source through friends or their referrals to people they know, reputations are put on the line and personal service with care is more often rendered, this is where having a large network to rely on will help you to achieve better pricing on guaranteed products and servicesAgain this is the first step in stacking the deck in your favor, once you have come this far its time to interview the seller to insure again that they aren’t going to use those classic tactics we’ve become so accustomed to.They may be friends, acquaintances, or rock solid referrals however we still need to ask tough questions to determine various levels of competence, product knowledge and proficiency to determine their credibility. As they say, actions speak louder than words, do they have integrity are they honest? Can they be relied upon as an authority regarding the business dealings you’re undertaking?
You need to ask tough questions in order to get the correct answers in these fact finding missions, this pays big dividends in the long run, because you strengthen your resources while gaining the respect you deserve as a paying customer.In the end your not going to be able to use a single script like a person or company who sells the same products or services day in and day out but you can understand how those companies operate and thereby be an informed and educated buyer when your needs arise for the products and services they sell.This report was written to help you buy right without being sold!(By reading this you will become wiser)

Review of Stephen Pierce – #1 Internet Marketing Guru

Stephen Pierce will show you how to optimize and turn any legit business on the web into a perpetual, profit, producing machine. Fortune 500 companies admire his concepts because they are strictly geared toward long-term production. Nonetheless, thousands, upon thousands of network marketers, (including myself) have been led by his success teachings and life-long principles.Stephen is recognized as one of the world’s leading internet marketers and business optimization strategists, but is he #1? Of course… Stephen and his wife Alicia, oversee several million dollar, iron-clad business. Together they have Stephen Pierce International, Inc. and Dtalpha, which is his high-tech, fully branded blog with all the bells and whistles. In addition to those tremendous companies Stephen and Alicia spend time coaching, facilitating trainings, and they accelerate and fuel Fortune 500 companies to achieve higher heights.Most importantly, Stephen is a personal good friend and has truly impacted the growth of my mindset and my internet businesses.

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Why Stephen Pierce is #1What I really like is that he makes no excuses! Stephen was never going to let his vision be denied. I admire Stephen and the path in which he took to get become the #1 internet marketer. See, Stephen was not your average kid growing up with a silver spoon in their mouth. If you haven’t heard his story, let me briefly explain.Growing up in the Washington, DC Metroplex, Stephen was kicked out of school at the age of 16. Years went by and things became even worse when Stephen was evicted from his apartment, left homeless to sleep inside of his car. Many people do not know but, Stephen Pierce was a notorious thug on the streets of DC and was even shot. Pierce was caught between two rival gangs after a drug deal had gone bad; a bullet pierced his leg and he fell over, not knowing if he’d live or die. Stephen was then rushed to the emergency room. Insurance was not even a thought for Stephen at this time in his life. Moreover, he didn’t have a support system in place and basically no one believed in him no more because he had been too good at being bad for too long.From that point, Stephen told me he knew he needed to stop blaming everyone in his world for his problems and start claiming the future he knew he deserved instead of just waiting for it to happen.You let me know of any other marketer online who has withstood the trials and tribulations of Stephen Pierce, plus produced the kind of results Stephen has produced such as being one of the first persons to produce over a $1,000,000 bucks in a 24 hours. It’s a no brainer…. wouldn’t you agree also that Stephen Pierce is the #1 Internet Marketer in the world?Are His Courses Effective?…I’ve had someone ask me that before. You would not be reading this article if they did not work. All of his products sale and they work if you work it. More importantly, Stephen has helped people all over the world through his wide range of courses. Stephen is one of the only people to release campaign after campaign and bring in more than $100K within 3 days.Stephen has trained me and many of the other top producers online to achieve six and seven figure incomes leveraging the internet. Stephen Pierce courses are unique in that you really get behind the scenes access to modern techniques no one else has ever implemented. Stephen Pierce is a perfect example of someone who doesn’t just learn what everyone else learns, he applies what everyone else doesn’t. Not a lot of people can successfully launch new products using both online and offline modern mastery methods with the same voracity, success and mind-stunning profits the way Stephen Pierce can.

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Stephen is my friend, but reading this about him will not get you results. You must begin to personalize your brand an automate your Network Marketing business. If you want to learn the simple strategies of Stephen Pierce and apply them into your business, you’ll be on your way to exploding your MLM. If you want to learn the simple secret that allow Stephen and I to generate traffic, leads, profits,and personal recruits..implement Modern MLM Mastery methods!

The Volvo Overseas Delivery Program – Yes They Really Do Provide a Free Trip To Europe

Though I tend to drive less frequently these days, my 2005 Acura TL turned six years old, and the time had come for something new. I test drove a plethora of vehicles including the Audi A4 and S4, BMW 335, Infiniti GSx, Lexus IS 350, Mercedes C and finally the Volvo S60 T6. The finalists were the Audi S4, the Lexus IS 350 and to my surprise, the Volvo S60 T6. All three of these vehicles are offered in all wheel drive, a definite plus for my New England climate.The Volvo S60 T6 is different from Volvo’s of the past, it has very sleek European lines, a sporty look, excellent acceleration (300HP) and provides a great ride. It boasts extremely comfortable ergonomic seats, great styling, a state of the art navigation system and all the options I required. The S60 T6 also came with a 5 year/50,000 mile full maintenance, bumper to bumper warranty, including oil changes, brakes, rotors, wiper blades, etc., ensuring a what I expect to be a maintenance free 5 year ownership at my mileage levels. When I compared the total price, after adding the options I selected, the Volvo came in comparably priced to the Infiniti and less than the Audi S4 or Lexus, which came as no surprise. To my surprise, however, Volvo said they would provide a complimentary trip to Sweden to pick up and use my new car. I was somewhat dubious about that last statement and researched several blogs on the subject.According to my research and the DVD Volvo sent, the free trip included free airfare for two, 3 nights free hotel (3 nights for existing Volvo owners or 1 night for new owners), airport transfer to your hotel, hotel pickup to the Volvo delivery center, lunch and a tour of their factory, and use of your own Volvo for your vacation, including insurance and roadside assistance. Assuming the commercial accurately portrayed the trip, this appeared to be a really fun way to take another vacation abroad, compliments of Volvo.A quick estimate of what type of value this might represent to a car buyer might look like this. Assuming airfare for two from Boston to Sweden costs at least $1,600, 3 nights hotel about $900, free hotel parking $100, use of the car for a week or more (at least $500), and the removal of the destination charge (about $800), I estimated the Volvo sponsored trip at approximately $4,000. Many people, including me, probably wonder if this was a shell game, with the price of the car inflated, to help subsidize the trip. However, the pre-negotiated pricing for the program included a discount off retail of about 7%, better than one could negotiate for a US based purchase. Though the free trip would not constitute a reason to buy the car, it’s a great perk if one was intending to do so in the first place, or if a would be purchaser was indecisive about which car manufacturer they preferred.Beyond the economic incentives, it seemed like a great opportunity for a unique adventure, so I put down my deposit and embarked upon the Volvo Overseers Delivery Program journey. Next stop, Gothenburg, Sweden, the Volvo Factory Delivery Center.A Predominately Positive PerspectiveOverall, it was a fun, interesting and problem free trip, clearly a good experience from Volvo and one that I can recommend with a few notables to ensure informed consent. First, in the event you consider the Volvo Overseas Delivery Program, let me offer what I think is a truly valuable piece of advice. Purchase a Garmin that will work in Scandinavia, either before your trip or when you arrive in Gothenburg. It will be the best $100 investment you will make. Navigating from the Volvo delivery center back to the Radisson SAS hotel in downtown Gothenburg was likely similar to a foreigner navigating to downtown Boston from Waltham, Massachusetts. With so many one way streets, trolley traffic, pedestrians, congestion and cyclists, we would describe it as challenging. Once armed with the Garmin, however, navigation in Sweden and Denmark were accomplished with relative ease. The Garmin Nuvi allows users to change the settings into English or your language of choice. By the way, just in case you were paying attention to the introductory paragraph, I did order a state of the art navigation system with the car. And though this works splendidly in North America, it is not compatible with European or Scandinavian navigation systems (though I was recently told Scandinavian maps might be available for a fee).

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We spent a few days in Gothenburg, an interesting and dynamic city and the second largest in Sweden. We walked throughout the city, toured the waterfront, checked out the 1907 windjammer Viking, jumped on a trolley to the fabulous botanical gardens located at the edge of the city and of course picked up our new Volvo at the Volvo Factory Delivery Center about 25 minutes from downtown Gothenburg. The experience at the delivery center was very positive. Volvo advertises that you will be treated like a King (or Queen), and shows a Volvo limousine picking up their new customers at the airport and at the hotel. We were picked up very promptly upon our arrival at the airport, and were transported with another couple in a new Volvo SUV to our hotel. The next morning we were picked up in a new Volvo sedan, and privately transported to the Volvo center. Though I can’t say we were treated like royalty or shuttled in a limo, the service was prompt, polite and professional.At the delivery center, we arrived around 10:30am, and were politely informed there would be a wait. That said, Volvo did provide internet access and comfortable seating. Around 11:40am, our turn in the queue had arrived and we met with a Volvo representative who patiently explained the nuances of our car use in Sweden and Denmark, roadside assistance, insurance, etc. She then escorted us to our new car and reviewed all of the functions, from the radio, to the electronic parking brake to the location of the gas tank. We took a quick test drive on Volvo’s property and carefully parked the car in the Volvo lot. Just to be clear, Volvo is delivering your actual car, not a rental or substitute vehicle. This car is yours to use in Sweden and Europe and it will then be shipped back, and ultimately delivered to your Volvo dealership, in our case to a dealership in Wellesley, Massachusetts. The shipping process takes about six to eight weeks from Sweden to the East Coast. Shipping is free from Gothenburg, but if you drop your car off in a different location (Denmark or Germany for example), there are extra fees. We dropped our car off near Copenhagen, and were charged about $500 for shipping. This seemed very fair and a much better alternative than trying to loop around back to Gothenburg to drop off the car.After a modest lunch promptly served by Volvo, we were ushered into a Disneyworld like tram, for the factory tour. This was a worthwhile expenditure of an hour, the tour is interesting, informative and impressive. Volvo whisked our group of about 20 people throughout their factory, showing everything from automated welding and assembly, to intricate hand assembly, explaining how the car moves from sheet metal to finished product on the line. Once we completed the tour, we navigated without use of a navigation system back to our hotel, minus a few wrong turns some trolley traffic challenges, we were able to valet park our vehicle at the Radisson SAS, our home for 4 days and 3 nights compliments of Volvo (new Volvo customers are provided with 1 night accommodation).The next day, we departed Gothenburg, heading south toward Malmo. The little Garmin successfully navigated us through Welsingbord, Varborg, Lund and into Malmo, and did so admirably. Great sites along the route included the Varberg Fortress, Helsingborg Kärnan Tower, and Kulturen, a collection of over 30 buildings in the world’s second oldest open-air museum located in Lund. It was easy to traverse this section of Sweden, the road system is excellent and the driving is easy. We arrived in Malmo, staying at the Renaissance Hotel in the middle of the old section of town, a bustling pedestrian friendly center offering a cadre of restaurants, alfresco dinning and interesting shops, just a few steps from our door. Notable sites in Malmo included Stortoget, Malmo’s city center square, Malmohus Castle and the fascinating Turning Torso Tower, the tallest skyscraper in Scandinavia. The Turning Torso is designed after a sculpture, and constructed with nine segments of five-story pentagons that twist as it rises. The highest segment is twisted ninety degrees clockwise relative to the ground floor segment. It’s hard to describe and truly interesting to see, a modest walk from downtown to the waterfront, and an opportunity to take in a great view of the Oresund Bridge. The Oresund Bridge connects Sweden and Denmark, and is the longest road and rail bridge in Europe, measuring 7,845 meters (25,738 feet) in length. That’s five miles from end to end, and though I’ve seen a myriad of measurements pertaining to the length of the Oresund, I can assure everyone of one thing, it’s a really long bridge!It was reassuring to be in our all wheel drive vehicle when we traversed the windy Oresund to Copenhagen, a towering cable stayed bridge that actually ends in a tunnel under the seabed and emerges in Denmark. Copenhagen is a thriving, pedestrian and bicycle friendly metropolis filled with great architecture, museums, canals and the famous Tivoli Gardens, an amusement park and garden located in the middle of downtown Copenhagen. Tivoli opened in 1843 and is the second oldest amusement park in the world. Because Copenhagen is so easy to walk around and offers great public transit, the Volvo stayed in the Marriott garage until we headed north to the regal Fredericksborg Castle and gardens, a great destination, similar albeit smaller in perspective to Versailles or Peterhof. The castle was roughly on the way toward our ultimate drop off point, a Volvo dealership north of Copenhagen, where we turned in the car for return shipment to Wellesley, Massachusetts. How difficult was that process? I’d estimate about 10 minutes plus a quick ride to the train station. The modern express train back to Copenhagen was only twenty minutes, with the balance of our trip spent in Copenhagen proper.

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Shipping and HandlingThe Volvo S60 had an interesting return trip home. It left Copenhagen on the back of a truck and was shipped to Gothenburg, Sweden. In Gothenburg, it was loaded onto the Atlantic Concert, a cargo ship built in 1984, measuring 291 meters in length and 32 meters in width, weighing in at 51,648 tons. Once loaded, I was notified of its departure, and through a website and Google maps was able to track the ship’s progress across the Atlantic to the docks on the shores of New Jersey. It passed through customs and a few weeks later, it was parked in my garage.Nominal NegativesOther than the initial navigation challenge, there were a couple of minor issues with the trip. One issue related to the routing from Boston to Gothenburg. Since Volvo partners with SAS (Scandinavian Airlines), and they don’t fly from Boston, our outbound routing was Boston to Washington to Copenhagen and finally to Gothenburg (or we could have chosen New York or Chicago). This resulted in a three flight segment routing to arrive in Gotherburg, whereas two would have been much better (Boston to Copenhagen to Gothenburg for example). Routing was luck of the draw, if you live in New York for example, you would be able to accomplish this with one connection. Our return was from Copenhagen since we drove from Gothenburg to Denmark, resulted in good routing with only one stop in Washington Dulles.It is important to mention that SAS has four classes of service: First Class, Business Class, Economy Plus, and Economy. Though the SAS flight attendants were very courteous and accommodating, the economy class was tight, with narrow seats and limited leg room. Fortunately, on the return trip, SAS was gracious enough to move us to Economy Plus, dramatically more comfortable than economy.ConclusionIf you like to travel and are considering a Volvo or comparable vehicle, the Volvo Overseas Delivery Program offers a great experience and an excellent value. Everyone we met in Sweden and Denmark spoke English, some were so conversant we were uncertain if they were truly indigenous to the area. Sweden and Denmark struck us as clean, friendly, and environmentally proactive. We witnessed a wealth of wind turbines (we estimated about 25 wind turbines across Copenhagen’s waterfront) and a bevy of bike lanes with a literal commuter rush of work bound bicyclists.If you intend to travel to Scandinavia, summer is advisable from my perspective, as it resides pretty far north and the climate is chilly, even in the summer. During our 10 day stretch, the weather was fairly good with several sunny days, intermingled with a fair share of clouds and rain. My take on the entire experience was very positive and in my opinion, Volvo delivered as promised.

Buying Used Cars – A Guide on Why, Where and What to Buy

Here is a guide to take you through the process of buying used cars that are in reasonably good condition. You might want to buy a used car instead of a new one for various reasons. Whichever it is, you want to make sure your money works for you, even if you are paying for a second hand car. Using this guide, you can make informed decisions on ‘why, where and what’ of buying second hand cars.Why buy used cars?Mostly the buyer has the answer to this question. However, for those who are still contemplating, we know new cars can cost a lot and getting it financed through a lender can be hassle. The monthly EMI or installments are very high for new cars compared to a car that is hardly 3 years old.

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It is also a well-known fact that a brand new car loses 15% of its original price the moment it leaves the showroom. When you can get a car that looks great, runs smoothly and has no accident record for a lower price, who wouldn’t buy it?Best place to buy used carsA ‘used car only’ dealership is the best place to buy a used car. You can negotiate and get the best deal for your dream car. These places will give the buyer wide range of options to choose from. If you are confused as to which model to buy, all you need to do is tell the salesperson your need and he or she will happily point out the exact model for you.Advantage of choosing such a dealer is that apart from great deals and wide options, you will also get fantastic after-sales servicing and warranty. These guys will dig out the history of the car in and out, something that if you had to do on your own, would have taken a long time.If you were to buy from a new and old car dealership, there is always a chance that you might have to pay extra. If you can afford it, good for you. On the other hand, if the car is bought from the original owner, you will have to buy without warranty.Also, such dealerships can help you navigate through the insurance and legal proceedings after you buy a car. You just have to bring along few documents, a partner who would admire the car and a pen to sign the check!

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What to buy?Usually before buying a car, people have a fairly good idea on what type of vehicle they need, if not the exact make and model. If it is a college student, he or she might want a basic sedan; if the person has a family of 4 or 5, he or she might look for minivans and SUVs. Therefore, once you define your purpose, you can easily pin down the exact used car model. Even among those, there are certain companies whose vehicles are great even in used condition. You can take along an experienced mechanic to take a look at the car at the dealership and decide. Choose a model that has clean history, good reviews and, in general, a good on road durability.