Havanna Travel

Whether motorcycle financing rates are currently up or down or it’s the end of a model year with plenty of dealership incentives, many motorcycle consumers tend to make the same mistakes while shopping for a motorcycle loan. More often than not there are four frequent errors motorcycle buyers make with motorcycle financing.

1. Plunging into the unknown motorcycle loan.

Motorcycle riders typically enter into motorcycle loans that they do not completely comprehend or even might not be the right option for them. For instance, in today’s age Japanese motorcycle makers often offer credit card motorcycle financing promotions on their private-label credit cards. But these promotions generally offer a low promotional interest rate for a very short term like twelve or 24 months and have a much greater interest rate following the short promotional term. On a private label credit card promotion if motorcycle buyers can not reasonable afford to pay off the loan during the short promotion period, then they are more often than not better with a slightly higher rate on an installment motorcycle loan for a longer term.

2. Searching for a motorcycle prior to searching for a motorcycle loan.

Many motorcycle buyers frequently enter the showroom looking for a motorcycle before determining how much money a motorcycle financing lender is willing to loan to them for the purchase of a motorcycle. There is little need to look for a fifteen thousand dollar Harley motorcycle, if a lender is only prepared to approve a loan amount of less than the motorcycle costs.

Furthermore, once motorcycle riders enter the dealership showroom polished salespeople many times pressure them into motorcycle financing with tremendously higher financing rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or on the internet. Salespeople do not like motorcycle riders to exit the dealership to get a motorcycle loan. In the salespersons mind this simply enhances the likelihood of not getting a sale and commission. Consequently, salespeople more often than not attempt for a speedy sale which ordinarily results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle lender before entering the showroom.

3. Borrowing too much.

The most familiar mistake the 1st time motorcycle purchaser makes is normally not having a clear sense of how much motorcycle they are able to afford. This is especially the case for young motorcycle riders who look to purchase the most advanced sport bikes. What they often time neglect to consider is that financing a $20,000 - $17,000 motorcycle might hurt them financially resulting in them having small amounts of money to enjoy themselves and the motorcycle rider lifestyle. They might also have too little cash in order to pay for insurance coverage, maintenance, vehicle registration or new accessories for their motorcycle.

4. Not posing the right questions.

The first warning sign that motorcycle riders should see is that if they do not understand the type of motorcycle loan. If this occurs then they should be extra sure to ask a lot of questions.

The below question can assist in pointing motorcycle buyers in the right direction:

• Can the rate increase if a payment is thirty day’s past due?

• Are there circumstances that can force the rate on the motorcycle loan change in the future?

• Is the interest rate fixed or variable? If fixed how long will it be fixed for?

• What are the motorcycle insurance requirements?

• What happens if a payment is sixty days past due? Does the interest rate go up?

• How long is the term on the motorcycle loan?

• What additional fees are required on the loan and are these fees incorporated the loan?

• Does the lender charge any specific document fees to process the motorcycle loan and how much are the fees?

In a nutshell, motorcycle riders can prevent being subject to these frequently repeated errors by directing their attention to shopping for a motorcycle loan and ensuring that lots of questions are asked to the motorcycle lender about the loan.

Copyright (c) 2005-2006, by Jay Fran. This article may be freely distributed as long as the copyright, author’s information and the all active live links with anchored text in the article are published.

About The Author:
Jay Fran is an avid motorcycle rider who has who has professional experience in consumer finance. Jay enjoys both cruiser style and racing sport bike motorcycles. Jay is also the owner of motorcycle-financing-guide.com a internet site which is specializes in helping motorcycle riders find the best motorcycle financing available in the marketplace. Motorcycle-Financing-Guide.com offers help with all types of motorcycle financing including good and no credit motorcycle loans, and military motorcycle loans.

With so many scams and con artists out there, many people become skeptical when they hear deals that sound too good to be true. While this is generally a good practice to follow, your concerns can be set aside when it comes to instant approval credit cards online. There is no scam with these cards - you can be approved for a new credit card within a matter of seconds. Nonetheless, there are exceptions and a few points you should keep in mind when applying for instant approval credit cards.

Gaining Instant Approval

For those with a good or excellent credit history, instant approval credit cards generally come back as approved within a matter of seconds. This is because the credit card company is able to access your credit history records and credit score quickly. If your score and history meets the requirements for instant approval, your application will process quickly and smoothly.

In this case, you will generally receive a notification right away letting you know that you have been approved to be a card member. Depending on the instant approval credit card company, you might also learn right away what your credit limit will be. In other cases, you might need to wait a period of time to learn how much you will be able to charge to the card. This is because the credit card company needs to do more research to determine how much credit they can risk extending to you.

Getting Pending Approval

If your credit history is not so great or if your credit score is lower than the ideal score, you might receive a notification that your application is pending. In this case, the credit card company thinks you might still be a good candidate for the card, but needs to acquire additional information. Although this approval process is no longer “instant,” it is still far faster than with the traditional application process.

Generally, you will receive a notification letting you know whether or not you have been approved for the instant approval credit card within a couple weeks of application. With the traditional paper application process, it can take six to eight weeks to learn if you have been approved for card membership. Therefore, applying for an instant approval credit card can still be worthwhile if you want to expedite the entire process.

Getting Turned Down

It is important to note that instant approval credit cards are not the same as guaranteed approval credit cards. Therefore, it is possible to be turned down when applying for an instant approval credit card if you have very poor credit. In addition, it is possible to receive a pending approval notification only to be turned down later. If this happens, however, you should not be discouraged. There are credit cards designed for those with poor credit - even instant approval credit cards. For this reason, you should shop around carefully to find an instant approval credit card that targets those with poor credit and apply for that card rather than one that is targeted toward those with good or excellent credit.

Getting the Card

Although instant approval credit cards can be approved instantly, that doesn’t mean you receive it instantly. You will have to wait until you physically receive the credit card to start spending. This can take a couple weeks after you have been approved for the card. Nonetheless, the process is still much faster than going through the traditional paper application process. Those looking for “instant” gratification with their instant approval credit card will be sorely disappointed when they discover they cannot start spending right away.

For more on instant approval credit card offers, Robert Alan recommends that you visit CreditCardAssist.com.

I’M NOT JUST A HAIRDRESSER A FOUR PART DOCUMENTARY SERIES TO:
UPLIFT THE SPIRIT AND IMAGE OF OUR INDUSTRY.

New York City 24th July 2005

I’m Not Just a Hairdresser is a four-part exploration of the
hairdresser’s world, from the classrooms where great teachers
inspire the artists of the future to the salons of celebrity
style makers like Vidal Sassoon and Trevor Sorbie. Produced and
directed by Vivienne Mackinder and Aldo Belkouar, this
insightful documentary series takes viewers behind the glamorous
facade, tracing the triumphs and pitfalls, the pride and the
passion of the hairdressing life. In doing so, it aims to
inspire a new generation of professionals, reinvigorate the
seasoned stylist, and restore a little self-respect to an
industry that has taken its share of criticism over the years.
Hairdressers are an integral yet unsung part of the fashion
world, contributing creativity and vigor to a business that is a
triumph of collaboration. This is their story.

The first film in the series is The Legends, featuring in-depth
interviews with the likes of Vidal Sassoon, Trevor Sorbie and
Robert Lobetta, who discuss the joys and challenges of being a
trendsetter. These icons have changed the face of hairdressing,
impacting fashion trends over the past 50 years, and changing
attitudes to beauty around the globe. Their stories are
humorous, insightful and emotionally provocative, but provide
ample reason to believe that, with talent, luck and hard work,
we can all realize our dreams.

Part 2- Empires stars Horst Rechelbacher, Frederic Fekkai and
Anthony Mascolo. These entrepreneurs, turned self-made
millionaires share their stories of their climb to the top.
Success, as this film demonstrates, does not always come easy.
But where failure shadowed their progress, they invariably beat
it back and emerged from the experience stronger and more
determined than ever to attain their goals.

— more —

Part 3- The Stars Behind the Chair, takes you into the very
heart of the industry. You will see how hairdressing schools,
shows and salons are changing lives one day at a time. The
educators here are not only luminous artists, but also
entertainers and motivational leaders presenting around the
world. In the salon, the commercial artist is hand crafting
beauty one head at a time. The stylist is creating an
environment for well-being and self-esteem, with the ultimate
goal of creating inner and outer beauty. An intimate, inspiring
look at the contribution hairdressers make to the world around
them.

Part 4- Glamour & Glitz features editorial and freelance artists
working on fashion shows, fashion editorials, award shows, music
videos, television, cinema and theatre. Every one of these
fields would be underdressed without the talent of the
hairdressers working behind the scenes.

Vivienne Mackinder Executive Producer of the Film series - I’m
not just a hairdresser, and industry legend a 4-time winner of
the North American Hairdressing Awards.

Aldo Belkouar Director of Legends is an internationally renowned
fashion photographer and journalist. Together the two comprise
Viv-Aldo Productions.

A portion of the proceeds will be donated to Movement of the
Heart. A non-profit organization www.movementoftheheart.org

Contact:

Vivienne Mackinder Mackinder, Inc. PO Box 2307, Aquebogue, NY
11931. 516.810.0083 email: vivienne@mackinder.com For product
information and a trailer: www.imnotjustahairdresser.org

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Your social security number is very important, it’s like your password in life, all of your information is tied into that number. Many people don’t know this, but only a few organizations actually have the right to know your social security number. Today almost everybody is requesting a social security number for access to something, schools, video stores, phone companies, health clubs, etc. The main reason for companies asking for your number is to make sure you pay your bills, to keep track of address changes and to check your credit rating. Many of these companies sell your social security number to marketing lists who then sell your number to companies. The fact that all these people having access to your social security number is dangerous because the chances of it falling into the hands of the wrong person is great. They can take your number, then use your name and your credit report to steal money from you.

Any business can ask for your social security, but what most people don’t know is that there are only a few companies who can actually demand your number. The Department of Motor Vehicles (DMV), the welfare department and the tax department are a few of the entities that can demand your social security number. Social security numbers are also required to do transactions that involve taxes, so employers and banks would need it. If a company asks you for your social security number ask them if they would accept an alternative piece of identification, if for some reason they say no then it is best to take your business elsewhere. Refusing to give your social security number to whoever asks for it will protect you from allowing your number to end up in the wrong hands. Even when you go to your doctor’s office, you don’t have to fill in your social security number, your number is classified information and only meant for those institutions that absolutely need it.

Social security numbers exist mainly to track your earnings and benefits, they were never meant to be used by businesses as identifiers. If you feel that someone has used your social security number you should request copies of your credit reports at least twice a year. The three largest credit reporting agencies are Equifax, Experian and TransUnion and it’s best to get one from all three so you can check for discrepancies.

Remember that all a criminal needs to get access to your credit cards, bank account and any other critical information is your social security number. Only a few companies can demand your social security number, so if someone demands your social security number with no relevant intent take your business elsewhere, your identity is a lot more precious than their business is.

Michael Russell Your Independent guide to Identity Theft

All the indicators show an improving economy and, finally, the
start of job growth. More than eight million unemployed workers
see hope around the corner and re-enter the nightmare of job
search with increased enthusiasm and the positive outlook they
lost six months ago when they virtually gave up on ever finding
a good position.

What do they find?

Service jobs: customer service, hospitality, tourism, food,
travel, entry-level healthcare, retail. What are these jobs
offering? 30%, 50%, 75% less income than the old manufacturing
jobs which have moved to foreign countries. Where are the
benefits, the insurance, the paid holidays, retirement plans?
Where have the stability, seniority system and regular raises
gone?

It is a new world, an evolving economy, a changed future.
Everything will work out, government forecasters confidently
predict. With tax reductions continuing, the economy will expand
and thousands of high-tech, highly compensated positions will be
created. Keep the faith, job seekers are advised — this is the
United States where innovation and entrepreneurship always
prevail and life gets better and better.

Keep mouthing the platitudes and perhaps the 50 year-old former
auto worker with an eleventh grade education or the 60 year-old
dislocated engineer with outdated job skills and high blood
pressure will actually start to believe it. At least until they
return to active job search and encounter the real, not the
hypothetical/political, labor market. That is when the true
economic progression of twenty-first Century America emerges: an
increasing number of millionaires, an increasing number of
entry-level, low paid workers, and a great middle class vacuum.

The displaced worker is confronted with the choice of working at
a level far below his/her skills, education, and abilities
warrant, or staying unemployed. When the government reports that
in the near future “Every one who wants a job will get one,” the
connotation of unemployment is that jobless workers do not WANT
to work. This political myth leads to increased depression,
diminished self-esteem, and the final conclusion by the legions
of the unemployed that their personal fears turned out to be
true: they are worthless, unwanted, redundant. The universal
anxiety about not being quite good enough, not measuring up, not
able to run with the big dogs has been validated and the mental
health of the unemployed deteriorates further.