Your Questions About Title Loans

Lisa asks…

how to get out of title loans?

I took out a title loan for 2000 dollars 2yrs ago and have now paid back over 3000 dollars and the loan company is saying the money went to the principal and i still owe 2000 dollars. how do i get out of this?

barry0912 answers:

Tony:

The only way “out” of a loan is to satisfy the terms and conditions that you agreed to. When you took out the loan, you signed a promissory note – that’s where you’ll find all of the details of the agreement. If you signed it, you’re responsible for everything in there. If the loan contains unconscionable terms, you might have some recourse, but even then, you’d have to demonstrate that you were either incapable of understanding the terms that you agreed to, or that you had no choice but to accept the agreement.

The repayment schedule on your loan is determined by your interest rate, by the length of time that you have to repay, and by the amount of your monthly payment. If your interest rate is high, the repayment period is long, and your monthly payment is small, it could well be possible that you still owe pretty much everything that you borrowed.

The trick to repaying a loan quickly is to pay more than the minimum payment every month – that applies to credit cards, mortgages and any other type of borrowed funds.

I’m guessing that you misunderstood one thing that the lender told you – it’s unlikely that your payments went to principal, because if they had, you’d be in good shape. I think the payments that you’ve made have all gone towards some outrageous interest charge.

Just as an example, if you borrowed $2000 at 24% and made payments of only $41 a month, you’d wind up repaying almost $7700 and it would take you more than 12 years to repay the loan.

Get out the promissory note and check your interest rate and your payment term and your payment amount, and pay as much as you can. If possible, try to refinance this debt with a lower interest rate loan.

Good luck.

John asks…

Any one ever used Title Loans?

Has anyone ever used TURBO TITLE LOANS? It says they need a car title and a key. If it is online How do they get my car title and key? Also would they no if my car was broken? How?

barry0912 answers:

A car has to be worth at least $500 on the open market to qualify for title loans. A Salvage title is allowed. Customers will be asked about the current condition of the vehicle. The car needs to be running and in drivable condition, however, it can be in the shop in some cases. Previous clients have used title loans to pay a mechanics’ bill. This way, they get their repairs even when the repair shop won’t finance the bill.

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Your Questions About Internet Marketing Blog

Betty asks…

Dears…Please . what is the best money making Internet marketing available as u know…& tried successfully.?

barry0912 answers:

The best network marketing, internet marketing business cannot be stated that simply. What works successfully for one does not necessarily work for another. Also many companies require that you continue to recruit to earn commissions, so naturally they are going to tell you their’s is the best.

I wrote a blog recently about advice for working from home. You can find the link to it in the 2nd paragraph of my profile here on answers. In that blog are many tips of what to look for, what to avoid, how to search to find out if a company is having problems, complaints, etc.

Most people don’t read their policies and procedures, which is critical to having a successful network marketing business. Understanding compensation plans is also critical but most of us who have been in this a while had to learn this the hard way. We joined an opp, worked and worked, believing the hype we were told, blamed ourselves when we didn’t make the money others said we would/could, spent more money on outgo than every receiving income.

A good rule of thumb, before joining any opp is to set your financial goal first. What do you desire to make per month over a given time. Ask the person you are joining ‘how many people do I have to have to make $xxx ?’ For instance, one program I was in took 1300 people to make $5,000 a month.

Plus according to the policies and procedures I had to continue working and recruiting others monthly to earn a commission check; I would never be able to stop and just enjoy the residual income I had created over time. They don’t always tell you that up front.

~if I can be of further help, just shoot me an email here through answers
~jennifer

Donald asks…

what do you mean by E-marketing?

barry0912 answers:

E-marketing is another word for internet marketing. Internet marketing is the use of the Internet to advertise and sell goods and services. Internet Marketing includes pay per click advertising, banner ads, e-mail marketing,affiliate marketing, interactive advertising, search engine marketing (including search engine optimization), blog marketing, and article marketing.

Internet marketing is associated with several business models. The main models include business-to-business (B2B) and business-to-consumer (B2C). B2B consists of companies doing business with each other, whereas B2C involves selling directly to the end consumer. When Internet marketing first began, the B2C model was first to emerge. B2B transactions were more complex and came about later. A third, less common business model is peer-to-peer (P2P), where individuals exchange goods between themselves. An example of P2P is Kazaa, which is built upon individuals sharing files.

Internet marketing can also be seen in various formats. One version is name-your-price (e.g. Priceline.com). With this format, customers are able to state what price range they wish to spend and then select from items at that price range. With find-the-best-price websites (e.g. Hotwire.com), Internet users can search for the lowest prices on items. A final format is online auctions (e.g. Ebay.com) where buyers bid on listed items.

Some of the benefits associated with Internet marketing include the availability of information. Consumers can log onto the Internet and learn about products, as well as purchase them, at any hour. Companies that use Internet marketing can also save money because of a reduced need for a sales force. Overall, Internet marketing can help expand from a local market to both national and international marketplaces. And, in a way, it levels the playing field for big and small players. Unlike traditional marketing media (like print, radio and TV), entry into the realm of Internet marketing can be a lot less expensive.

Furthermore, since exposure, response and overall efficacy of digital media is much easier to track than that of traditional “offline” media, Internet marketing offers a greater sense of accountability for advertisers.

Limitations of Internet marketing create problems for both companies and consumers. Slow Internet connections can cause difficulties. If companies build overly large or complicated web pages, Internet users may struggle to download the information. Internet marketing does not allow shoppers to touch, smell, taste or try-on tangible goods before making an online purchase. Some e-commerce vendors have implemented liberal return policies to reassure customers. Another limiting factor, particularly with respect to actual buying and selling, is the adequate development (or lack thereof) of electronic payment methods like e-checks, credit cards, etc.

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Your Questions About Internet Marketing Strategies

Nancy asks…

Marketing strategies?

I am opeing up a car valet service, what advertising / Marketing campaign would you recommend.

barry0912 answers:

Fliers,newspaper ads,coupons,Internet marketing, word of mouth
advertise in stores and restaurants,make up business cards

Betty asks…

Marketing strategies?

Please can someone tell me any recent marketing strategies that have been made by McDonalds or any other UK or multinational business. Its urgent! thanks

barry0912 answers:

If you want to know more about internet marketing I’d suggest you download the free ebook here:http://tinyurl.com/237cvqj .
It’s a simple and straight-forward ebook with step-by-step instructions that can produce a lot of traffic, leads and income for you if you’re willing to put in the small amount of time and effort to do it.

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Your Questions About Internet Marketing Forum

Donald asks…

How Can i start my own profit business online and retail?

Trying to take advantage of an open market during this recession by investing little of five thousand dollars. Searching for a market to expand an idea for my own enterprise. I am wondering where should i look for it legally without being scam by fake ads? What other legal site offers you the best idea to run both online and retail? Also how to find ways to get product into your business?

barry0912 answers:

My husband is a member of an Internet marketing community called Wealthy Affiliate. It is like a school for internet marketers.
There are a lot of people in it that know what they are doing and everybody is trying to help each other. You can learn so much there. The forums, the support, the coaching, all the information they provide you with. You can find the right answers for most of your questions regarding starting an online business, advertising, etc. It is a great program.
Check it out if you want to… I guarantee you will not regret it: http://www.wealthyaffiliate.com?a_aid=jV6Ylqvy

Mary asks…

I would like to learn more about the stock market, can someone tell me where to start?

I am interested in the goings on of the stock market. I would like to know how to decipher everything and possibly do some informed investing on my own. Can someone show me where to begin learning about it?

barry0912 answers:

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. If you are like most people you will invest part of your money aggressively in stocks, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do “Asset Allocation,” determining how much to put in each type of fund.

You want to buy a diversified portfolio of stocks as individual stocks are too risky. Highly knowleadgable people can buy a properly balanced portfolio, but most folks have a difficult time balancing things on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Back in 2000, Some people bought all internet stocks; they got burnt when they all crashed together. You have to diversify across industries. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. And ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:
http://www.vanguard.com/VGApp/hnw/planningeducation
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetallocation.htm
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin_investing
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//flagship.vanguard.com/VGApp/hnw/planningeducation/education
https://ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval
http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)

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Your Questions About Internet Marketing Strategies

Michael asks…

What would be the best marketing strategy for a greeting card company called Walnut Street Cards?

After posting on Yahoo Answers last year, on what to name our company we choose Walnut Street Cards. Now we are in the marketing phase and would like some solid and detailed answers. Thanks for the help.

barry0912 answers:

This is the age of Computer and you should make a website for your internet presense. And you have to use each and every promotion method available but keep yourself in budget limits. You would get response from the customers but you have to spend more on the cheapest method of advertising. And you may advertise on our website http://www.MutualBargains.ca

Lizzie asks…

How do you find facebook as a marketing channel?

There are various ways to market your product online and social marketing is just one of those. In comparison with other strategies such as article marketing how heavy do you use facebook as one of your strategies to market a product?

barry0912 answers:

Facebook can be a lucrative internet marketing strategy if used effectively. You can’t just use one strategy though, and you have to know that Facebook is more of a branding opportunity, and most successful businesses will not use it to sell products directly, but indirectly (if that makes sense).

Why?

Because building a successful online business isn’t about using one channel, it’s about using multiple internet marketing strategies together. Lately there is so much hype about using Facebook to market products online. This is completely wrong. People are on Facebook to connect with people, not businesses.

The way people use the internet is much different than old school brick and mortar business. It’s not selling to users, it’s users having the option to make there own decisions…just a click away.

You need to look at marketing on Facebook as permission based and 99.99% of people will not buy products or services if they “like” your business, or friend request you. Top internet marketers will agree that successful online business is not about getting, it’s about giving. That principle even holds more true to Facebook marketing. This is a direct channel to provide value to potential customers, free reports, thoughtful information, humorous tidbits of information sometimes seemingly unrelated to your business.

If potential customers see you as not selling, there more likely to look into what you do, consequently resulting in more traffic and more business.

If you have any questions about that let me know.

Sincerely,

The Wealth Kid
WealthKID.com

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Your Questions About Internet Marketing Degree

Linda asks…

Is a business degree necessary in starting a career in marketing?

Or would a degree in social sciences be ok?

barry0912 answers:

No, you do not need a business degree to start a career in marketing. You don’t need any degree at all. There are countless opportunities in marketing. Its a huge field. For example, a good friend of mine started doing internet marketing while he was studying economics. He eventually got his economics degree, but he didn’t need it. He found what he loved to do: internet marketing. If you want to get into a huge corporation in one of their entry level marketing jobs, then you’re better off with a degree. There are plenty of alternatives though. There are plenty of ways to make a living with a marketing career without any degree at all. For example, here is a possible path:

1. Get an entry level job as an “Administrative Assistant.” Make sure the job has at least some advertising/marketing duties (such as stamping envelopes to send out advertising post cards).
2. Get a year of experience at this job.
3. Revise your resume, focusing on the marketing skills you learned.
4. Apply to a new job as a “Marketing Assistant.”
5. Repeat this process every year or two. This is how you “climb the corporate ladder.”

You can build a career like this. Feel free to skip steps if you can. There is no set path. No degree is necessary for this, but a degree helps get you interviews. Eventually you could become the CEO of a multi-billion dollar marketing agency.

Good luck.

Donna asks…

law degree and then a career as a business professional?

I want to do a law degree but don’t want a law career such as one as a solicitor or barrister. I would like to become a business professional instead but don’t know what area I could go into – any ideas?

barry0912 answers:

Please be aware of what you are proposing on getting yourself into. Please do more research first.

Reminder: We are in a World-wide Recession. Consider career paths that have available jobs.<<<< Jobs in the field of Law are drying up fast!! This is just not a good field to invest time and/or money into. This is a SHRINKING, crumbling, and dying vocational field. Many reasons. Many people today (mistakenly) think they can do their own legal work, thanks to the Internet. Also, we simply already have way too many Legal Professionals – we have an absolute glut!! (“Legal Professionals” includes, but is not limited to: Attorneys/Lawyers, Paralegals, Legal Assistants, Legal Secretaries, Bailiffs, Court Reporters, etc, etc)

Employers (usually law firms) in the field of Law today want employees with degrees from traditional colleges/universities. Those “certificates” you see advertised aren’t worth the paper they are printed on – they are generally scams. (I found this out the hard way.)

Cost of law school to be lawyer, approx $150,000+.
Be prepared to take on a lot of debt.

Even if you finish law school, you won’t be able to find a job when you are done. Since this vocational field is shrinking, many new attorneys/lawyers are, themselves, having to work “down” as Paralegals, Legal Assistants, Legal Secretaries, Bailiffs, Court Reporters, etc, etc, to simply try to keep some of their bills paid <that the job market/economy is just saturated with way too many Legal Professionals. Instead the schools will feed you a fairytale and will lie to you. The root of the problem is we have too many law schools. We are in a recession, and the schools are fighting for their own survival – they will tell students anything to get to the students’ money. (Which is why they won’t tell you the truth about the job market for the field of Law.) And these schools continue to recruit and churn out even more graduates………….

If you don’t believe me, then just do a search here on Yahoo Answers to see what other posters are saying about the current status of the field of Law. Call some local law firms – ask to speak to the Manager of Human Resources – ask them if they are hiring; ask them what they think about job availability in the field of Law………………

In the book “So You Want to be a Lawyer?” by Marianne Calabrese and Susanne Calabrese (ISBN 0-88391-136-1): “The United States has more lawyers than any other country in the world. About 38,000 students graduate >each year>>Healthcare or Information Technology! I spoke to a career counselor from Jobs and Family Services, and HE told me that these areas are where the jobs are, and future job availability! And scholarships!

Good luck.

(This is based on my current knowledge, information, belief, and life experiences. This was intended as personal opinion, and not intended to be used as legal advice. Please be careful and do your research.)

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