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 Low Cost Airlines

William asks…

Is there any low-cost airlines in mainland China to Beijing or Shanghai such as Ryanair and Air Aisa?

Is there any lowcost airlines in mainland China to Beijing or Shanghai such as Ryanair in Europe and Air Aisa in Southeast Asia?

barry0912 answers:

Fares are regulated so any carrier will do. Air china and shanghai airlines are star alliance so you can earn united miles with them. Airlines don’t have as much corruption problems since the central gvt is watching them real closely, especially air china, the flag carrier.

If u have the cash, go for first or business class, it’s only 1.5 and 1.3 times the coach price respectively. I flew business once on a flight that was 5 hrs delayed and getting to wait in the lounge and in the business cabin was so tranquil compared to the chaos of coach, an I only paid like $30 more than coach. It’s a whole new world flying business or first class, I tell ya.

David asks…

Why do low cost airlines go bust when they charge us fuel surcharges?

Another “low cost airline” has gone bust…reason quoted, the rise in the cost of fuel…can someone explain to me how this can be the case… when the airlines always expect us to pay the fuel surcharges!

Has anyone experienced a case where an airline has reduced the cost…because the cost of fuel went down??

barry0912 answers:

As they slap on the fuel surcharge (which they really have no choice to do in order to stay afloat), the net cost for the client is increased, thus reducing demand. Less demand, less sold tickets, less airlines in operation.

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Your Questions About Anonymous Text

Betty asks…

Is it possible to send an anonymous text message and preset the time it will be sent?

I received a message anonymously and I want to know if it must have been sent exactly before I got it or if someone could have composed it at an earlier time and set it to be sent at the time I received it.

I believe it was sent using vtext.com but I cannot be sure.

barry0912 answers:

Only from the internet. Not from another phone

Susan asks…

Is there a way to send an anonymous text message?

Kinda like when you punch in *67 before dialing a number and your caller id won’t show up.

barry0912 answers:

Yes there is . . . But not like punching numbers. You can send anonymous text messages through most cell phone websites. For example at www.uscellular.com on their front page in the upper right you will see a header saying send a text message. But US Cellular asks for a legit 10 digit number both to and from. But I know I have put in a fake number before and it has still gone through.

I haven’t checked all cell phone company websites, but I assume they have similar functions on their websites. Good luck.

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Your Questions About Internet Marketing News

Joseph asks…

How private/secure is the internet?

Just wondering, are websites allowed to keep tab on the sites you go, know your name from cookies or something etc. I’M NOT TALKING ABOUT GIVING OUT FREE INFO ON CONTESTS or whatever. Just like… right now, being on any website, what information is being taking, etc.

barry0912 answers:

Kath, like it or not the Internet is the Wild West of data…anything goes.
For starters, how’s this for ‘right now’:
Yahoo! & Google breach of trust to it’s patrons reached a new low.
Both services submissively bowed to advertising conglomerates, by adopting ‘phorm’ inspired “targeted advertising”; a ‘data siphon’ method that directs your clickstream to 3rd party advertisers, and builds a portfolio on your surf habits.
This may make your browser display pop-ups which you have no control over, and may in fact do many other un-requested actions with your entire system.

Google itself has spyware.
From their Privacy Center page
(http://www.google.com/privacy_ads.html)
“No personally identifiable information – We don’t collect or serve ads based on personal information without your permission.”
Notice the last 3 words…yet it is specifically an “Opt Out” condition!

And Gmail, once perceived to be ‘safe’, actually scans all your mail & then selects advertising based on the content. It’s “for your own good….”
http://mail.google.com/mail/help/about_privacy.html

“Google uses the DoubleClick DART cookie on our Google content network …”
These guys are the used car salesman of the internet, very ‘slippery’ characters burying their methods, details & opt out choices with layer after layer, page after page of non-sense & merry-go-round tactics plus non-functioning links, etc.
All I can say is keep trying & get as many of these tracking portfolios killed as you can.

Yahoo! Calls their invasion of privacy “Matched advertising”, and it stems from the ‘Network Advertising Initiative’ (NAI), a conglomerate of advertising kingpins and requires “Opt Out” to defray the advertising tsunami from Yahoo’s partners in this server based spyware/adware (and to stop them from creating a ‘profile’ of you).
“Opt out” sign in pages;
Yahoo here: http://info.yahoo.com/relevantads/
Google here: http://www.google.com/privacy_ads.html
NAI garbage here: http://networkadvertising.org/managing/o…
DoubleClick here: http://www.doubleclick.com/privacy/dart_adserving.aspx

**************
Yahoo has gone insane.
**CRITICAL RECENT DEVELOPMENT**
Get this: the ‘new’ Yahoo by default, allows your Yahoo! Contacts computers, to send to whatever 3rd party software they have on THEIR computer, information about you! Can you believe that!!?
This is something you must end ASAP.
Look in your mail account settings (ya, it’s buried very conveniently) and uncheck this box!

Go to your Yahoo! Mail: near the “Welcome (your name)”, tick the ‘Profile’ link; next page, upper right corner, tick ‘Settings’; next page, near the bottom is the box to uncheck.

This is spying, pure and simple.
And the deterioration of trust with Yahoo! Grows…it’s pathetic.

IMHO: the installation of the 3rd party data siphon servers, @ Yahoo & Google, et al, have for the last 4 weeks or so, been responsible for the Internet wide “glitches” and server interruptions, and is subjecting all users to massive invasion of privacy.

**********
Note: New US Court ruling “…the U.S. Federal Communications Commission that mandate telecommunications carriers must get an “opt-in” before disclosing customers’ information to a carrier’s joint venture business partner or an independent contractor.

The FCC “gave sufficient reasons for singling out the relationships between carriers and third-party marketing partners,” the court said in denying the petition for judicial review sought by the NCTA.”
http://tech.yahoo.com/news/nm/20090213/tc_nm/us_fcc_cable_court

But even this appears to be only a ‘suggestion’ from the court & may be good news; we’ll see.

Sharon asks…

internet security???????

hey guys,
been using for Kasper’s 2010 IS for quite a while now. I am thinking of changing my IS to something that doesn’t slow down my computer as much.
so basically can you list a IS that is close or better then Kasper’s in security, but doesn’t slow down my computer as much?
thanks,
Tim

Some System specs:

4gb ram
500gb hdd
intel core 2 quad q8200 2.33ghz i think?

barry0912 answers:

Norton Internet Security 2009 (NIS 2009) is currently the FASTEST internet security package (at 7mb memory usage only!) (beats kaspersky by 15mb)

Proof http://www.pcauthority.com.au/Review/127995,norton-internet-security-2009-believe-the-hype.aspx

NIS 2009 has the lowest system usage (therefore fastest) product on the market. With high a detection rate of 92% on par with Kaspersky.

Norton Internet Security 2009 is the Fastest (more proof)

http://www.bastillwork.net/security-software/norton-internet-security-2009.html

http://news.softpedia.com/news/Norton-Internet-Security-2009-to-Come-with-Super-High-Speed-86321.shtml

http://www.pcadvisor.co.uk/news/index.cfm?newsid=104478

Also answerers must understand, a free anti-virus alone can’t fully protect a system.

By the time of answering this, NIS 2010 has just been released. Faster than ever and using new reputation-based technology, this eliminates the old signature-based scanning and opens new potentials for nexgen security.

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Your Questions About Internet Marketing Strategies

William asks…

What Is Internet Consulting?

Is it some thing like aligning business strategy with internet usage strategy – something which many sites claim ( Ihad gone through one called mag-corp dot com and find some thing like this mentioned there)
If the answer is yes — what woud be an appropriate approach to moving forward?

barry0912 answers:

Internet consulting is a broad term that is applied to the task of evaluating and developing strategies for businesses that wish to function on the Internet. The consulting may take the form of developing a retail interface and marketing strategy that functions in conjunction with a business with brick and mortar stores. Internet consulting may include the creation of a process to market business online.

Consultants may also assist in the creation of online sales tools that are used to support the efforts of agents or remote salespeople. Internet consulting may also apply to the selection of hardware and software components to assist a client in creating a general infrastructure that allows employees to access in house information, such as departmental newsletters or other communications.

In all its forms, Internet consulting is about analyzing the current status of the client’s online presence and assess what needs to be added, adapted, or replaced in order to help the client reach his or her goals for a web presence. The consultant normally begins the process by becoming acquainted with what the company produces in the way of goods and services. Assessing the current status of the customer’s online presence usually follows in short order.

David asks…

What are film marketing strategies?

As Media work

barry0912 answers:

Here are the film marketing strategies.

1) The Internet (online marketing) makes it easy for you to promote your film even if you don’t know what you’re doing

2) YouTube (online marketing) is a social networking website that makes it easy to get promotion for the videos that you have. You want to start with YouTube because of the massive amount of traffic that this website receives.

3) Direct mail (offline marketing). You can purchase a mailing list from the SRDS (available at your local library) and find a list of targeted prospects who would be a great fit for your movie.

4) Word of mouth (offline marketing).

5) Paid advertising (online or offline marketing).

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Your Questions About Title Vii

Michael asks…

Compare and contrast disparate-treatment discrimination and disparate-impact discrimination, and Title VII�s r?

Compare and contrast disparate-treatment discrimination and disparate-impact discrimination, and Title VIIs response to each in the context of employment.

barry0912 answers:

Go to the official site

Donna asks…

Can An Employer Use Binding Arbitration Over EEOC Title VII Complaints?

Based on employer arbitration agreements, It is at least implied that an employee has no right to file a valid Title IV complaint with the EEOC.
I have seen two cases that have gone both was so there really is no president that I know of.
Has the Supreme Court or Congress made a decision on this?
This is the most recent story I could find on this issue. (4 yrs. old)
http://writ.news.findlaw.com/amar/20030221.html

barry0912 answers:

EEOC does not recognize prior arbitration agreements, so it makes no difference what an employer may or may not have implied. If you have an EEOC complaint, file it. You are protected by federal law from retribution when you file, by the way.

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