The Market Coalition

Here is a new car buying tip that can save you a lot of anxiety and grief, if not money.

It is quite common for people buying a new car to trade in their old car, and this tip will help you avoid the pitfall of such an action. Many times the happy customer drives away into the sunset and forgets all about this tiny detail only to get a very rude awakening a few weeks later. They suddenly find out that their new car dealer did not pay off their car loan in a couple of days as promised.

Legally when the bank calls, the loan is still in your name and you are therefore still liable and responsible.

The new car buying tip here that you really need to remember and enforce at all times, no matter how much you trust the car dealer, is to make sure that the car dealer puts everything in writing. It is really that simple. They need to put their promised intentions in writing that they will pay off your car loan in 10 days as promised verbally.

If they can not put it in writing then you should not under any circumstances whatsoever make the deal.

This is one tip for new car buying that has absolutely no exceptions.

Visit Chris Kavila’s buying a new car blog for other interesting tips and stuff you need to know when buying a new car. Visit now and claim the free gift of a detailed eGuide on how to shop for and buy a new car hassle free.

New technology has hit the bathroom scale, and today, dieter’s
are finding more resources to help stay healthy. The new digital bathroom scales
can not only talk and audibly tell you your weight, but many of
them can keep track of your body weight as well. Weight watchers
everywhere will be delighted with the ease and user friendliness
of these new “smart scales”.

Some of the new breed of scales are mini computers capable of
recording multi users weight as well as body fat. By having
access to your body fat percentage, dieters have a heads upon
specific areas that they need to work on. Multi users can
program the scales to remember their body weight and body fat
percentages. Various models will have different features but
overall, these are some of the new features that you can expect
to find with digital bathroom scales.

Accurate Readings for Weight Watchers

One of the best benefits of the new digital bathroom scales is
greater accuracy. Thanks to the large LCD displays, accurate
readings are standard. You may remember the old bathroom scales
and trying to read between the lines to find your accurate
weight. Well not with these scales. These scales offer
convenience, more features, and precision accuracy so you never
have to wonder what you “really” weigh. That combined with the
ability to read your body fat has enabled dieters to
successfully document their body fat and graph it according to
national health standards. These accurate measurements have long
lasting effects, more than just the daily reading of your
weight, but these benefits have the potential to save lives. By
knowing if your body fat percentage is “off the charts” the
dieter can successfully make the dietary and lifestyle changes
needed to safeguard their health, and potentially save their
lives.

Many people live in clutter, emotionally eat themselves into overweight, live in debt, hate their jobs and otherwise live unhappy lives, unable and seemingly unwilling to change. Why? What do these have in common? What is the core issue?

Fear, or rather an absence of love.

Fear, and not hate, is the “dark side” or opposite/absence of love, the way darkness is the opposite/absence of light.

Whether your self image is controlled by unhealthy or uncontrolled overweight or fanatic perfection, both stem from fear. In the first, food is used to comfort upset emotions and to retreat into - a true friend that never lets you down. In the latter (and sometimes the former), control over the body supplants a loss of control elsewhere in life, eventually taking over that life.

Clutter is almost always fear-based - fear of not having something and needing it, fear of getting rid of something important, fear of leaving oneself open to new experiences (which can’t come in because your house - and by extension your life - is already full) and fear of being alone with oneself and one’s thoughts (clutter requires so much of our energy to deal with and work around, it can serve as a sort of mental static to keep us too busy to think about important things).

Debt is another symptom of fear - people get into debt for many fear-based reasons (like needing stuff to make themselves feel better, or for fear of not keeping up with the Jones’ and being socially outcast). Another part to this equation is that many people will not get rid of their access to credit (cut up cards, etc) because there is always that “what if an emergency happens and we don’t have cash on hand to pay for it?” which is made moot by the fact that most of their credit cards are maxed out anyway. Debt is also a symptom of the fear of doing without, even when carried to extremes. The fear of going without and the feelings of “being without” fancy clothes or expensive meals out is no less than the fear and experience of going without basic clothing and food, although the reality is different.

Working at a job you hate is nothing but fear - fear of not having enough, fear of quitting and not being able to find other work (or finding it and being stuck with something even worse), fear of not being to keep up with your “stuff habit” or your debt, fear of failure, fear of success, fear of relying on yourself, fear of doing things differently or out-of-the-box (running your own business, running off to Mexico, etc), fear of letting the family down, fear of “wasting” your education, fear of what other will say, think, fear that your mom/dad/sister/evil art teacher were right and so on.

Fear is the basis for pretty much all human suffering, not counting natural disasters and other acts of God. And the opposite of fear is love. Love creates an ecosphere of calm and plenty, because you know there is enough (if only just enough) and so feel no need to “get mine before someone else does.” Nor do you feel the need to hoard (clutter) or gather in more than you can afford (debt) to assure yourself of plenty. In a world of love, all are accepted and loved for their own personal strengths and forgiven their faults, therefore negating the need for drowning in the comfort of stuff and food (debt and overweight), or worrying about what others will think if you quit your job to become a Mexican portrait painter (toxic job). And on and on.

Learn to live with love, for yourself and for others, even when they don’t meet your standards (even the rich and awful deserve your love, for they serve their purpose, too). Creating a world of love is up to each of us. We cannot wait to see if others take the first step. They are waiting for us.

(c) Soni Pitts

ABOUT THE AUTHOR

Soni Pitts is the Chief Visionary Butt-Kicker of SoniPitts.Com. She specializes in helping others reclaim “soul proprietorship” in their lives and to begin living the life their Creator always intended for them.

She is the author of the free e-book “50 Ways To Reach Your Goals” and over 100 self-help and inspirational articles, as well as other products and resources designed to facilitate this process of personal growth and spiritual development.

Golfing Guavaberry in the Dominican Republic

Read Jetsetters Magazine at www.jetsettersmagazine.com

To read this entire feature FREE with photos cut and paste this link:
http://www.jetsettersmagazine.com/archive/jetezine/sports02/golf02/coral/hilton.html

We Canadians consider ourselves a hearty people, however, the 2003 winter was excessively bitter cold and endless. By February we had had enough and were ready to trade in our winter boots for a pair of sandals.

Travel ads for the Caribbean beckoned us south like the Siren’s called to Odysseus. One by one our colleagues seemed to disappear for a week then reappear sporting tans and relaxed smiles. Feeling left out, a person can crack under the pressure and the decision is made. South or bust!!!

I walked into my kitchen and yelled at nobody in particular, “I’m officially sick of winter!”, I emailed my editor and suggested he plan a trip south to write a golf article. He jealously obliged and my travel companion and I soon began planning a golf/relaxation trip to the Dominican Republic, to write about two new Hilton properties (Marien Coral by Hilton and the Costa Caribe Coral by Hilton) and the Guavaberry Golf Resort. Our departure date couldn’t arrive too soon!
The Dominican Republic is a well-known favorite destination of Canadians from Newfoundland to British Columbia. It is the second largest island in the Caribbean, with a population of eight million and a landmass of 48, 442 square kilometers. The island offers something for everyone - seductive sunsets, the highest mountains in the Caribbean, rolling landscapes, villas, busy cities, and over 1,500 kilometers of gorgeous beaches. The island is actually entitled (Hispaiola) and hosts two countries: Haiti and the Dominican Republic. The Dominican Republic is located on the east side of the island and is surrounded by the Atlantic Ocean and the Caribbean Sea.

My traveling companion, Kevin, an avid bogey golfer like myself, and I, flew into Puerto Plata, located on the northern tip of the island. We were looking forward to experiencing and writing about two hotels recently acquired by Hilton and the Guavaberry golf course.

Prior to departing we considered the best method of getting around the island. We obtained maps; we inquired about car rates and researched public transportation and hotel shuttle services. In the end we were undecided and concluded that this was one item we could arrange upon arrival. We have driven in many places including: London, England; Athens, Greece; Germany and even Montreal. Heck, if you can drive in Montreal without an insurance claim, you can drive anywhere, right? As a result, we opted to a rent a car to get us around the island. Figuring we’re both careful and confident drivers and competent navigators, we didn’t anticipate too many problems.

Our arrival in the Dominican was a pleasant and swift custom’s experience and we quickly found ourselves outside the quaint airport watching the taxis and buses come and go, and all the other tourists boarding their all-inclusive package shuttles.

Over to our right was a row of little shops and car rental outlets. We arbitrarily selected one and asked to look at some of the cars for lease and stated we needed one for the week. We negotiated with a friendly agent named Gypsy who spoke superb English and we decided on a 7-year-old white Nissan Sentra with only 40,000 km. We didn’t think about it at the time, but 40,000 km on the 180 km island is a lot of driving, and suggests the car had seen its better days. We completed the walk-around and we checked the tires, which looked satisfactory as long as it didn’t rain. The best we could arrange was a fair $190 USD for the week. It was a box on wheels with air-conditioning and a radio, with manual windows. We would discover our simple, run-down Nissan with spongy, springy seats, was one of the better cars on the road.

The deal signed and sealed, we fired it up and off we went, map in hand. I was the prepared navigator and Kevin the confident driver. We laugh when we think how nave we were.

Somehow the excitement, and unclear directional traffic signs, led to taking the wrong turn out of the airport and we drove one pleasant and interesting hour the wrong way. At that point we should have known that we might be up for a bit of challenge.

Eventually we did find our hotel, which was actually only 15 minutes from the airport. Our first destination was the Marien Coral by Hilton. Situated on the Puerto Plata “resort strip”, the Marien Coral by Hilton is the last resort property before you reach Puerto Plata proper. As we entered the resort, we immediately knew we were in for a special treat. Our first impression was one of awe.

The resort emits a sensation of serenity and decadence. Swaying palm trees line the circular driveway bringing your vehicle directly to the entrance. Our car door was graciously opened and a friendly smile welcomed us to the Marien Coral by Hilton. A chilled glass of fruit punch is in our hand even before our luggage and clubs are unloaded and we are led into an open-air spacious lobby, accented with a marble floor and inviting couches and a panoramic view of the common pool beyond. The lobby teases us, offering a glimpse of what’s to come.

Hilton Caribbean, a division of Hilton International, and Coral Hotels and Resorts decided to join forces in late 2002. As a result, the Hilton Caribbean entered the all-inclusive resort market with the addition of four resorts in the Dominican Republic. Hilton is the first major hotel chain to embark in the all-inclusive-resort market in the Dominican Republic and further plans are underway for Hilton to expand in this market; with the addition of new properties in Haiti and Barbados.

To read this entire feature FREE with photos cut and paste this link:
http://www.jetsettersmagazine.com/archive/jetezine/sports02/golf02/coral/hilton.html

By Lise Lacasse, Jetsetters Magazine Correspondent. Read Jetsetters Magazine at www.jetsettersmagazine.com

About the Author

Lise Lacasse, Jetsetters Magazine Correspondent. Join the Travel Writers Network in the logo at www.jetsettersmagazine.com

If you are a loan officer or mortgage broker on the market for exclusive mortgage leads, how do you know if that lead is really exclusive or not?

The true definition of an exclusive mortgage lead is defined as one that is sold in real time and sold to you only.

This sounds really good, but there is a small problem with that. Who is to say that this potential customer hasn’t taken it upon themselves to contact other loan officers.

Unfortunately, this is the chance you take when you buy leads exclusively.

Typically, a potential customer who fills out an on-line form over the internet is using the internet to find a mortgage and a loan officer because they feel as though they have no other place to go, and the internet is their best resource to find their product and someone to help them with it

Also, it is against the norm to jump from web site to web site filling out on-line forms. The majority of consumers like to keep their personal information very limited on the internet, so the chances of them filling out many forms is highly unlikely.

So your chances of receiving the lead exclusively may be better than you think.

Another problem, how can you be sure that the lead company selling you the exclusive mortgage lead is doing just that?

The best defense against receiving anything less than exclusive mortgage leads is to research the company you are considering investing in.

Call the company, speak with someone in customer service, find out how they obtain their leads and what exactly makes them exclusive.

Remember, you buy your exclusive mortgage leads with money that you have worked hard for, so if you can’t get answers to your questions, move onto the next lead company.

Customer service, as in any industry, is very important in the lead industry. The way you are treated when researching lead companies should be an indication as to how you will be treated when something goes wrong, or if you think you should get your money back. Best of luck.

Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of www.jconners.com, a mortgage resource site, he is also the owner of www.callprospect.com, a mortgage lead company