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 Title Insurance

Robert asks…

Do i need title insurance if buying a home with cash?

There will be no mortgage on the house. What does title insurance protect me from?

barry0912 answers:

Yes you would want and need title insurance on any real estate purchase even if you are paying all cash for the property.

This title insurance would ensure that there are no liens on the property prior to you assuming ownership. Failure on your part to obtain title insurance you might have many unknown liens on the property that if you decided to refinance or sell the property would have to be paid prior to you selling or getting a refinance.

The title police guarantee that you are receiving a clear title without any other encumbrances.

I hope this has been of some benefit to you, good luck.

“FIGHT ON”

Richard asks…

Do you really need title insurance on a foreclosed house?

For example HUD recommends that a buyer of the HUD foreclose gets a title insurance. Why? Isn’t that redundant?

Also, I know some lenders that require buyers to get a title insurance on a government foreclosure.
I understand that on bank foreclosure it is necessary to have title insurance. But why on a government foreclosure? My understanding was that all the lens are dropped when you buy a government foreclosure.

barry0912 answers:

Title insurance is more important on a foreclosed home than any other. There are numerous title insurance problems that can be associated with a foreclosure. I have seen many, many incorrect legal descriptions in foreclosures; creditors (thus lienholders) omitted from the foreclosure process; and even on one occasion the entirely wrong property was foreclosed. In order to save the most money you should ask for the re-issue rate if that is possible. HUD just purchased a policy of title insurance on the property in question, you may want to go back to that title insurance company for your policy.

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Your Questions About Internet Marketing Degree

Sandra asks…

WHAT IS DIRECT MARKETING?

AND WHAT ARE SOME ADVANTAGES AND DISADVANTAGES OF THIS METHOD? PLEASE HELP THANKS XX

barry0912 answers:

Direct marketing usually refers to marketing or advertising your product or service direct to the consumer or business that will use it. Direct marketing is primarily considered direct mail advertising. Some may also include internet marketing in the mix since that can be targeting to some extent. The advantage is that your message can be targeted to those most likely to be interested or to purchase your product or service. The disadvantage is that it may not be the best venue for some products. It depends on what you want to accomplish with your message and your target. Another advantage is that it is measurable. You send out a certain number of pieces of mail and receive a certain number back. Based upon the response rate you can tell if your advertising is working or not and to what degree. If you use other media such as radio or TV you cannot accurately measure your level of success. If you are advertising on TV and/or radio and your business increases then that is likely where it is coming from but there is no accurate way to measure it. With direct marketing you have an order or response in your hands and you can measure your success based upon the responses. Another disadvantage is that you cannot respond to rapid changes in the market with direct marketing as you could with other media. It takes time to design, print and mail to the consumer. With TV or radio the ad could be done today and on the air the next day.

Mary asks…

Getting into marketing?

Hello,
I am just about to enter my final year as an undergraduate psychology student, having already received offers to do a psychology masters when I finish my degree I’m not too sure it’s what I want to do. For a while now I’ve been interested in marketing and I feel Perhaps I have chosen the wrong degree. However, as I have no experience, (I live in a very very rural place with literally no internships or anything) I’m not sure whether I should risk turning down my masters offers.

I’m debating emailing some companies that are based in large cities and basically asking if upon completing my undergraduate degree they would be interested in taking me on. I would have plenty of experience with IT and analytical and research skills from my degree and If I was to gain employment in marketing I would enrol in evening business courses.

To cut a long story short, can I actually ask this of them? Is this cheeky? Is there anyway I can get into the marketing world?

Please help?

barry0912 answers:

The Internet is such a huge part of our everyday lives. Entering Affiliate Marketing sounds like a good idea for you. Also, while you’re in between jobs you can gain experience in marketing, earn money and add this to your resume! I’ve provided a link that has gotten pretty good reviews, good luck and congrats on becoming closer to your degree! 🙂

http://frl267.5423.clicksurecpa.com

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Your Questions About Internet Marketing News

George asks…

Will you take my 5min survey on local TV news?

We’re students doing a market research project on local news viewing habits.
Survey is fast and easy – it would really help us out!

https://www.surveymonkey.com/s/2MY5N2W

barry0912 answers:

Ok, I have. Hope this helped. It took less than 5 minutes and I actually enjoyed completing this. Conclusion in my case is that I follow the news more on TV (and radio) and somewhat less via the Internet.

Ken asks…

please give us ideas for an article about ANYTHING in the Wolrd! ANYTHING! just an article for a student news?

PLEASE!

barry0912 answers:

Internet

when it comes to your internet marketing campaign, the net is full of potential snags. Emerge unscathed by avoiding these 7 deadly sins
Entrepreneur, Jan, 2006 by Catherine Seda
THE INTERNET is always in motion. That’s both good news and bad news: You can immediately change your online marketing campaigns to produce better results, but your results can also take a nose dive if you’re not paying attention. Protect your campaigns from these costly mistakes:

1. LOSING AD TRACKING CODE: If a previously profitable ad campaign tanks, find out if your site pages embedded with ad tracking code have been accidentally replaced. Remind your web team to download site pages from the server before working on them.

2. FALLING TO REMOVE OUTDATED OFFERS: Keep track of your special promotions so you can replace the copy on any online campaign you’re running as well as the ad’s corresponding landing page.

3. MISSING DEFERRED ACTIONS: Not all prospects click on your ad and take action right away. Set your cookie length or your ad tracking solution’s settings for a minimum of 30 days to properly credit marketing sources.

4. IGNORING SUSPICIOUS CLICKS: Study the log files in your traffic reports if you notice a sudden spike from your pay-per-click campaigns. You might need to fix your campaigns, remind team members not to click your ads, or address competitors engaging in click fraud.

5. FORGETTING TO MONITOR COMPETITORS: When competitors change their offers, yours may no longer be compelling. Watch your marketing space to respond quickly with your own new promotions and maintain your lead flow.

6. NOT OPTIMIZING OFFERS: Stop running the same marketing message! Improve your campaign performance and reach new customers by continuously testing innovative offers. You’ll also maintain your competitive edge.

7. OVERLOOKING YOUR CONVERSION RATES: A tiny increase in your website conversion rate can make your revenue and profits skyrocket, so don’t focus exclusively on your marketing campaigns. Your site also plays a critical role in your marketing performance.

In your quest to grow your business by using internet marketing, respond to any warning signs, and maximize your current campaigns before you initiate new ones. You’ll improve your bottom line without spending a dime.

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Your Questions About Internet Marketing Blog

Helen asks…

internet marketing packages?

I tryin to find soem info out regarding internet marketing packages for my mother-in-laws Florist shop
At present she is using customer street, she is being bombarded by companies tryin to sell her websites and stuff and she knws nowt about them
What I would like to knw is are there and better companies than customer street and the company she is looking at is Freestart, I dont think they will give her the same sort of package has she has now

barry0912 answers:

Some of the ways you can advertise your business are:
1. Post an article about your business on related blogs and get free visitors and back links
2. Submitting to directories
3. Free classifieds
4. Forums

Send an email with more information about your business to e@culx.net for free help on finding new customers and increasing sales.

Lizzie asks…

Value investing/ stock market blogs?

Hi so my dad is interested in value investing, value investors and basically the stock market in general and has recently expressed a desire to communicate with others over the internet who are also interested in this. My question is where is the best place to do this, he just made a twitter account so he can talk to his favorite bloomburg radio host, but im afraid twitters to complicated for him ( were talking he still does two finger touch type, and can barely check his email without my help, but i have hope) and lacks much communication. So im thinking maybe tumblr, and he can follow blogs with similar interests as him, but looking for suggestions!!

barry0912 answers:

My opinion is that he subscribe to the Wall Street Journal, Bloomberg, Kiplinger, or any of the other financial reviews available online. The best thing he can do is become informed about the market, types of investment options, and the risk associated with each option. Investing decisions are very, very important, and the more information he has the better he’ll do.

If I can offer and advice it’d be the following: buy and hold. The stock market is too vulnerable to expect consistent, short-term gains. Think 5-10 years out, or more. Statistics show that the more one trades, the less likely that person is to beat the market’s average rate of return in the in the long term.

The economy’s still not very strong now, but if he’s committed to entering the market, beware! There is potential to make money, but there’s potential to lose a lot, too.

Step 1: Consistently check the following websites for relevant financial information, and become informed:

http://online.wsj.com/home-page
http://www.bloomberg.com/
http://www.kiplinger.com/

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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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