Car loans > Do You Fear Money And Allow It To Control Your Life, Or Do You Play To Win?

Do You Fear Money And Allow It To Control Your Life, Or Do You Play To Win?

And it's making me angry! As a business man, but even more so as a finance and mortgage coach, I am deeply disturbed by the affliction and almost permanent emotional scars being left on people due to their fear of money. It is this fear of money that opens the door to the evil system of social engineering and conditioning, and allows the emotional state of people to be moulded into money slaves.

You could say that it is the evil that creates the fear in the first place, but like the chicken and the egg, which came first?

Where I live, we have just had an interest rate rise, and it is playing havoc on a lot of people. The biggest emotional strain is the fear of loss. Fear of losing the home, losing some of their lifestyle, and fear of losing control on what is already an uncontrollable life.

This fear is exactly what the major financial institutions prey on. In fact, certain professionals are employed by these big firms to educate them in the best way to prey on these fears.

What I'm seeing a lot of now is a rush to get home and small business loans fixed, but what I am not seeing is anybody doing any homework before signing on the dotted line.

It's ridiculous that a perfectly sane, intelligent and hard working individual or couple would sign over their most important asset to a financial institution before checking out what it is their getting into.

Let me give you a few examples:

The biggest draw card for the financial institutions is a low fixed rate, fixed for four years. Sounds good, doesn't it? But the problem is that no matter what the interest rate is, the financial institutions have a minimum amount that needs to be made from each loan. This means that if you have a low interest rate, then you have an extremely high probability of having fees and charges built in to the loan to make up the shortfall.

The next trick they play is there is no flexibility. This means that if you want to pay more off your loan you will either have fees for doing so, or a limit as to the extra amount you can pay, or both. What makes this even worse is that if you lose your job or have an emergency in your life, the inflexibility of your loan puts you in a very tricky situation.

Thirdly, a so-called ?low rate' looks attractive because it leads you to believe you're paying smaller repayments, but what does that do? Apart from not taking into account all the extra fees and charges you're going to incur, you've also just increased the term of your loan.

I don't quite know whether it's laziness as well as fear, but I cannot for the life of me understand how 99% of the western world will not stand up and get an education in money and finance. If a parent feels their child's safety is in danger, they will act without thought, and an instinct of immense power takes over. Yet at the same time, most of society live in complete fear of money, and are therefore teaching their children the exact same fear.

If you really love your children, then why would you want them to follow the footsteps of, struggle, stress and financial dependence. I know this is a bit harsh, and I'm not suggesting for one moment people don't love their children, but there has to come a point in time when parents realize that what they are doing is not working but at the same time is leaving a huge impression on our youth.

There are better ways of coping with an interest rate rise, than running to a bank with your tail between your legs and pleading for a fixed rate loan. If you live in the US, then you actually have it better than us in Australia, yet the statistics are exactly the same, suggesting that it has nothing to do with the interest rate, but rather the education and mindset of people.
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Dean Whittingham is author and writer for his company Tridean Pty Ltd trading as www.TrideanDevelopments.com

First Mortgage Options

When going for that first mortgage, it is essential to know about the options that are out there. While this may make the final decision more easy or difficult, you may just end up with the best possible deal.

Let's begin with the down payment options. In most mortgage deals, you have to make the 20 per cent down payment in the initial stage in order to repay the loan at lower interest rates in the future. However, if you don't have enough money for this down payment, you can explore other options.

For example, if you can meet monthly payment needs and have a good credit rating, lenders can give you the 5 to 15 per cent down payment option. However, this would mean that you will be paying more interest compared to some who has opted for the 20 per cent option.

Loans can extend anywhere from 15 to 30 years. It must be understood that you will be paying more than your principal in interest. In the initial years you will be paying only the interest, while...

First Mortgage Options

Car loans > First Mortgage Options

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When you begin window-shopping for a home, you will soon find out that the number of houses available is almost outdone by the number and variety of home purchase loans available. Every year, lenders come up with new and innovative ways to package mortgages. They tweak them with complex interest rate schedules, they simplify them with basic low-cost approval and closing processes; and they trick them out with bells and whistles that are the latest up-to-date version of the reinvention of the wheel in terms of home purchase loans.

Doing Home Purchase Loans Research

Yes, it can be overwhelming. But no, it doesn't really have to be.

To shop for home purchase loans without getting bogged down in frills and dog and pony shows ? and without wasting time with mortgages that are not appropriate for your particular needs ? it is a good idea to first do some homework.

Talk to a mortgage advisor, or visit the Internet and research...

Home Purchase Loans

Car loans > Home Purchase Loans

Motorcycle Shipping.

Is motorcycle shipping any different to car shipping?There are quite a few main differences between car shipping and motorcycle shipping. While a car has a reliable handbrake and four wheels for extra stability a motorcycle is quite different by design and has only two wheels with nothing to keep the bike stationery apart from the stand. You might think that motorcycle shipping would be cheaper than car shipping because of the difference in size of vehicles but this is rarely the case. The closed carriers that are often used should be specially designed to carry motorcycles and this will mean that there will either be palettes specially designed for the purpose of motorcycle shipping or there will be specially fitted tracks that serve the same purpose. What this means is that a motorcycle basically takes up the same room as a car when it needs to be shipped anywhere.How expensive is motorcycle shipping?This is dependant on two main factors.

How far you are travelling and what...

Motorcycle Shipping.

Car loans > Motorcycle Shipping.

Saigon Transporters has Expanded and Is Now Nationwide Transporting Autos, ATV's, Cargo, Motorcycles & Trailers

(ContentDesk) October 19, 2005 -- Saigon Transporters has expanded and is now Nationwide transporting Autos, ATV's, Cargo, Motorcycles & Trailers.They provide the highest standard of safety and security in the automobile transport and car shipping industry.Saigon Transporters has been meeting the auto shipping needs of individuals and businesses, both domestically and internationally. Saigon Transporters has a 24-hour phone service to ensure the customer will always know exactly where their vehicle is in transit 24 hours a day, seven days a week. Their goal is to meet the car shippers' requests for service with the best car trucking companies that Saigon can use so that the customer has his vehicles transported in a safe and timely fashion as close to door to door as can be done.Saigon Transporters offers the convenience of either door-to-door pick-up and delivery, or pick-up and delivery at one of over 85 terminal locations across the country. Saigon Transporters gives its customers...

Saigon Transporters has Expanded and Is Now Nationwide Transporting Autos, ATV's, Cargo, Motorcycles & Trailers

Car loans > Saigon Transporters has Expanded and Is Now Nationwide Transporting Autos, ATV's, Cargo, Motorcycles & Trailers

Do You Fear Money And Allow It To Control Your Life, Or Do You Play To Win? Car loans

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(ContentDesk) January 11, 2006 -- Cdesigns4u.com understands that sometimes people want to show their anti-Valentine's Day attitude with pride.Enough with the Happy Valentine's Day shirts. No more of the candies, chocolate hearts, and roses. What about the many singles out there? Don't they need a day too? The brokenhearted, unhappy, betrayed, single people out there need a special day for them.A Happy Singles Day! Get your messege across with an Anti VD shirt from Cdesigns4u.com.Make a statement...

Protesting Against Valentine's Day This Year Do You Fear Money And Allow It To Control Your Life, Or Do You Play To Win? Car loans

Car loans > Protesting Against Valentine's Day This Year

6 Steps to Relieve Stress

Copyright 2005 Think Healthy

We get over-stressed now and then. It's a natural response under certain conditions. We need to be concern when our stress is getting out of hand and interfering with our lifestyle. What problems can too much stress cause?

? High Blood Pressure ? Colds and the Flu ? Allergies ? Diabetes ? Damage Relationships ? General Bad Health

The list goes on?.

Getting over the stress is what we want to strive for. How can we...