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Home > > Mastercards & apr charges

Mastercards & apr charges

If you are in the market for a new or used RV, there has never been a better time to get a great RV financing rate.

With the increase in apr & mastercards charges online businesses and lenders it is now easier than ever to shop around for the best loan with the best rates.Usually the larger lenders are able to offer better financing rates, but sometimes there are specialty lenders, such as lenders that cater specifically to RV buyers that will offer very a very competitive RV financing rate and also other advantages to the potential buyer. Some tout their low rates, others tout their quick loan servicing and a quick application process which puts money in your pocket more quickly, and still others offer no money down on your loan. But, how do you know which apr mastercards & charges RV financing rate and loan package is right for you?An experienced RV loan officer can guide you through the process of getting the best RV loan for you whether you are buying a fifth wheel or a motor coach. They will show you the advantages and disadvantages of both the variable and fixed RV financing rate so that you can make the choice for yourself. They should also tell you that if you want to get the lowest rate, it is important to put more money down. If you can put 20 percent of the purchase price down, you should able to get the best RV financing rate. Another factor to consider is the APR. This is the amount of interest you will actually pay on a yearly basis. The loan officer should be able mastercards & apr charges to tell you how much you will actually spend on interest for the life of the loan.One thing to consider when you are looking for an RV financing rate is the condition of the vehicle you are considering buying. If it is a used RV it will most likely get a higher financing rate than a brand new model and this will not only effect your monthly payment but also your total loan cost over time. You will have to weigh whether it is better to buy new at a lower RV financing rate, but with a higher initial cost, or to buy used at a lower initial cost and a higher RV financing rate. The total cost in the end may not be that far different.Shop around and choose carefully. There is a loan out there that will be a perfect fit for your needs.2

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DID YOU KNOW?

Another year is upon us and if you are like most people you have hit the floor running without planning a clear objective for the upcoming year. However, top performing sales people make the time to establish clear targets. Setting goals is not a complicated process nor does it take a lot of time. Use the techniques outlined in this article to help you achieve your targets.

Ensure each of your goals follows the SMART concept: Specific, Motivational, Action-oriented, Relevant to your situation, and Time-bound. For example, “I will increase my sales by 15% compared to last year.” Be as specific about your goal as possible. “I will start my own catering business” is a lot stronger than “I want to go into business for myself.” Challenging goals are motivating. Set goals that will push beyond what you usually think you can accomplish. Remember to set a deadline. A goal without a deadline is simply a dream. Attach a realistic yet challenging deadline for accomplishment and post this where you can review it regularly.

Phrase your goal in the present tense and assume success. Don't say, “I want to.” Say, “I will.” This subtle technique tells your subconscious that you have already achieved your goal which means it will go work at helping the goal become a reality. It will attract the people, places, and situations you need to achieve that goal.

Put them in writing. This simple act helps you clarify your goals and will allow you to visualize them more effectively. I recommend that you record each goal on a separate index card and review them twice a day – once in the morning (when you first wake up) and again before you go to bed. This process reinforces your goals, acts as a reminder and drives your goals deep into your subconscious. In fact, this is one of the most powerful strategies you can use to achieve your targets.

List the benefits you intend to receive by achieving each goal. This will keep you focused and strong particularly when you face the inevitable roadblocks and barriers. Years ago, when I chose to quit smoking, I listed 75 benefits and when I felt the urge for a cigarette I would review this list to help me get past that craving. The more benefits you can list for your goals, the more motivating those goals will become.

As you review your goals each morning and evening, picture yourself achieving each of them. The more you can “see” success in your mind's eye, the more likely you can translate this into reality. Create a perfect picture in your mind and replay it frequently. Developing a picture board can help with this. This is a very effective tool that allows you to see the visual impact of achieving your goals. When my wife and I bought our first house we clipped photographs and pictures of what we wanted our house to have and pasted them on to a large sheet of poster board. We hung this near the front door of our apartment so we could see it every time we left or entered the apartment. We also created a thermometer of “down-payment savings” to help us track our progress. We had a clear deadline and were able to surpass this deadline by almost 30 days. I now keep track of my annual revenues, speaking engagements and book sales in the same manner. I post these sheets on my office wall wh!

ere I can see them everyday and they allow me to track my progress with a quick glance.

Anticipate the challenges you will encounter and plan how you will overcome them. This will prepare you for them and help you overcome the obstacles easier and with less stress. In fact, the simple act of planning for obstacles will often prevent many of them from occurring.

Surround yourself with successful, motivated people who also set challenging goals. I share my goals with several friends and associates. When we get together, we motivate each other by talking about our success, our challenges, and our goals. A word of caution: Be careful who you share your goals with. People who are not goal-oriented will not support you, and in many cases, will actually try to dissuade you from your goals.

Use affirmations. If you plan to quit smoking repeat statement such as, “I enjoy the lifestyle of a non-smoker,” “I’m glad I’m a non-smoker,” “I enjoy the taste of food more as a non-smoker.” Stating affirmations aloud reinforces your goal to your mind and will help you achieve your goal much faster.

Take action. Don't procrastinate. All the planning in the world will not help you achieve your goals. You MUST take action. Once you have determined a goal for yourself, take action within 24 hours. This will set the wheels in motion and create the necessary momentum you need. I once heard a speaker state, “We are either moving toward or away from our goals.” Develop the habit of taking action on a daily basis.

Achieving greatness and a higher level of success is not that difficult. However, it does require discipline, focus and a clear idea of what you want to accomplish. Follow these steps and have your best year ever!

© 2006 Kelley Robertson, All rights reserved

Credit cards are a major staple of American life. We have all been weaned on the idea that you can “buy now, pay later” or “have what you want now” or otherwise cave in to the natural instinct for immediate gratification. Credit cards prey upon this very urge. What is most interesting about credit cards is that they begin to be used in late adolescence, at just the time when, developmentally, children are strengthening their ability to delay gratification. Credit cards have pros and cons related to this development and to other facets of American life. These pros and cons should be carefully weighed before applying for credit cards.

Understanding delayed gratification

Much of a parent’s role is to socialize children in order to be able to live within the rules of the greater society and much of this socialization requires learning how to delay gratification. Young children want what they want when they want it and have trouble understanding the concept of “later”. Delayed gratification is important because it is not possible for everyone to always have what they desire in an immediate sense. Credit cards are interesting because they begin to be offered to adolescents (usually at the start of college) just as these adolescents have learned the keys to delaying gratification. This is interesting because credit cards work on the opposite principle, telling you that you can have what you want now and worry about it later. The schism between credit card theory and gratification theory creates both problems and benefits to American society.

The problems with credit cards

By offering credit cards to children who have not fully learned how to delay gratification, American society creates a consumer subset who tend to buy impulsively with little attention to whether or not they will be able to repay the debt accrued by purchases made on credit cards. This, in turn, creates a subset of Americans who are increasingly in debt and unable to make repayments, resulting in problems with personal credit and economic balance.

The reality of credit cards is that you do eventually have to pay back what you owe and at much greater cost than that of the initial purchase as a result of the high interest rates of most credit cards. The disparity between learning to delay gratification and being told that it is preferable to delay responsibility has led to an interesting phenomenon in America in which adolescence seems to be increasingly prolonged. The mixed messages children receive from credit cards help to reinforce this prolonged adolescence which can be a drain on parents and society as a whole.

The benefits of credit cards

Credit cards do also have benefits which should not be discounted. The major benefit of credit cards is that they allow people to make large purchases, such as those for cars or expensive semester textbooks, even without the upfront cash to do so. Responsible repayment of credit cards allows card holders to develop quality spending habits and fit into middle class American life. Credit cards help for emergencies (for example, medical bills caused by accidents). Additionally, negotiating the mixed messages between credit cards and societal rules for delayed gratification can help adolescents develop stronger ethics and a basic moral code for living.










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