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  • I Advice - Buying an RV - The Dealer is Not the Enemy

    A Victim Of Adware Spyware Without Knowing It: Could This Be You?
    Chances are pretty high that you are a sitting duck to be a victim of fraud or identity theft, thanks mainly to Adware and spyware on your computer that is constantly harvesting your personal data and you may not even be aware of what is happening.Statistics and figures on the widespread nature of adware and spyware are scary. A November 2004 study by AOL and the National Cyber-Security Alliance, clearly indicated that 80 per cent of surveyed user's computers had some form of spyware. With a staggering average count of 93 spyware components per computer.In 2006, Webroot Software, makers of Spy Sweeper announced that 9 out of 10 computers connected to the Internet are infected with some form of spyware. Computers that use Internet Explorer are much more exposed to adware and spyware attacks, their report concluded. The main reason for this should be obvious. It is because Internet Explorer is the most widely used browser by far. T
    exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... Bu

    Secured Loans - Better Indeed
    Secured Loans have indeed made our lives simpler by fetching us with funds just at the time when we require them. The best part about secured loans is that lenders really like lending money in the form of secured loans since the borrower is supposed to put a specific collateral at stake, so there is a better possibility of him being more loyal to the lender, in terms of repayment. Hence, it is a much better option than the unsecured loans.The lenders tend to care a lot about your credit history in case of unsecured loans, but credit history doesn't matter much here. Before issuing the loan amount, the worth of your collateral is calculated which becomes the equity and the amount given is on the basis of that equity. If, under some circumstances, the borrower is not able to repay the required amount over a given period of time, then the lender has every right to confiscate the collateral to get the amount back.As far as the consum
    Statistics show that the 80/20 rule applies to RV sales profits. That means that approximately 80% of all RV's sold will make a dealer an acceptable profit. How much is that? I can tell you it is measured in the thousands of dollars. 

    I know... I've been in the RV business for years and years.

    How about the other 20%? Most of them will fall into the area of "just under the acceptable range". But, they are still paying the dealer several thousand dollars in profit. Actually, only about 3% of RV sales made in 2004 were at a profit margin that would be considered totally unacceptable to the dealer. In other words, the customer won... and won BIG!

    Yea, yea... As I said, I've been in the business for years. Salesman, Manager... Owner. Trust me - I've seen it all.

    Why am I telling you this? I'm really mad. As angry as I have ever been about anything. I get calls everyday from friends and clients who have been burned over and over again by fast buck "Slick Willie" salesmen selling a load of bull and using high pressure tactics.

    There are just too many "Big City Dealers" anymore, who are tarnishing the heck out of the business my family and I have worked so hard to keep clean and simple. My sales people have always been taught to be courteous, helpful, and most of all professional. They return phone calls, they send thank you notes and they treat each and every customer with respect.

    They also are taught two basic principles:

    1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the rent, utilities, salaries, commissions, etc. So by all means, make us a reasonable profit.

    2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

    It's really very easy to save a substantial amount on the purchase of your next RV. If, and only if you know exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... But

    Marketing - Lifeblood of a Business
    So your business does its fair share of advertising, right? You run commercials on the radio and on TV. You post ads in the daily newspaper and in the weekly neighborhood tabloids. You have a quarter-page ad in the Yellow Pages and are listed in the Business section of the phone book. You have an Internet webpage and can be found on all the major search engines.Granted, most small businesses cannot advertise in all these ways. Advertising normally requires a significant financial investment, and volume advertising is typically out of reach of the typical small business. But you probably are advertising in some manner.Say you run a skin care product service. Perhaps your business’s phone number can be found in the phone book or on its webpage. Perhaps you have a magnetic sign on your car door or even a sign in the yard.So you’re advertising…but are you marketing?Marketing involves more direct targeting than advertisi
    ly, only about 3% of RV sales made in 2004 were at a profit margin that would be considered totally unacceptable to the dealer. In other words, the customer won... and won BIG!

    Yea, yea... As I said, I've been in the business for years. Salesman, Manager... Owner. Trust me - I've seen it all.

    Why am I telling you this? I'm really mad. As angry as I have ever been about anything. I get calls everyday from friends and clients who have been burned over and over again by fast buck "Slick Willie" salesmen selling a load of bull and using high pressure tactics.

    There are just too many "Big City Dealers" anymore, who are tarnishing the heck out of the business my family and I have worked so hard to keep clean and simple. My sales people have always been taught to be courteous, helpful, and most of all professional. They return phone calls, they send thank you notes and they treat each and every customer with respect.

    They also are taught two basic principles:

    1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the rent, utilities, salaries, commissions, etc. So by all means, make us a reasonable profit.

    2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

    It's really very easy to save a substantial amount on the purchase of your next RV. If, and only if you know exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... Bu

    Investments - Alternative Safe Haven Investments Gain In Popularity
    The ruling by the UN has implications for all countries economies and stock markets and people are worried about their investments, so what are the implications and what could happen next and how can you protect your capital?Let’s find out.The backgroundThe United Nations Security Council passed a resolution by a 14-1 vote that gives Iran until Aug. 31 to accept a multinational incentives package aimed at suspending its nuclear program, or face the threat of economic sanctions.If Iran refuses the UN demand, the Security Council could move to discussions under Article 41 of the UN Charter, which provides for unspecified economic penalties.The likely outcomeWill Iran comply? This is anyone’s guess but the odds don’t favor it on past performance.America and Iran simply don’t get on and Iran has said on numerous occasions that it will not be bullied.So, what will be the outcome?Iran is
    t buck "Slick Willie" salesmen selling a load of bull and using high pressure tactics.

    There are just too many "Big City Dealers" anymore, who are tarnishing the heck out of the business my family and I have worked so hard to keep clean and simple. My sales people have always been taught to be courteous, helpful, and most of all professional. They return phone calls, they send thank you notes and they treat each and every customer with respect.

    They also are taught two basic principles:

    1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the rent, utilities, salaries, commissions, etc. So by all means, make us a reasonable profit.

    2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

    It's really very easy to save a substantial amount on the purchase of your next RV. If, and only if you know exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... Bu

    Debt Snowball - A Simple Method Of Getting Out Of Debt
    More and more people are unfortunately finding themselves sinking deeper into the debt mire. Many people look for outside help to tackle their debt problem, perhaps through the Citizens Advice Bureau, or a firm specialising in negotiating with creditors to lower the monthly payments. Others might take out an IVA (Individual Voluntary Arrangement) or in extreme cases might even consider declaring themselves bankrupt. However, all these solutions will have a major, negative effect on your credit rating.However, by using a recently introduced system of managing debt repayments, people can actually help themselves to tackle their debt problems without damaging their credit rating. The system, called the Debt Snowball, has been devised by Dave Ramsay and goes against the grain of most of the advice given by self-help books and even some financial advisors.Many debt counsellors advise paying more money towards the debts carrying th
    sic principles:

    1. Make a reasonable profit. We have earned it and we deserve it. We have to pay the rent, utilities, salaries, commissions, etc. So by all means, make us a reasonable profit.

    2. Sell RV's. Always try to make a reasonable profit, but if you can't... at least try to make some profit. A little of something is better than a whole lot of nothing.

    It's really very easy to save a substantial amount on the purchase of your next RV. If, and only if you know exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... Bu

    What Are You Doing To Reduce Staff Turnover?
    In November I wrote an article entitled, “Is Staff Turnover Keeping you Poor…Costs and Affordable Solutions”. The article identified eight simple tips to reduce turnover and related expenses. The tips detailed: 1. Involving staff in turnover reduction planning 2. Evaluating your hiring process 3. Addressing communication issues 4. Recognition and praise 5. Staff training and development 6. Positive relations among staff 7. Starting the campaign with successful actions 8. Tracking actionsBusiness and human service leaders everywhere understand the importance of reducing turnover. Clearly, turnover is an expense as well as a threat to the maintenance of quality products and services. Can we manage this problem or is it just part of the cost of doing business? Unfortunately there is very little data to substantiate what works. But experience and employee surveys tell much about the roots of j
    exactly what to do.

    Many people walk into a dealership with the impression that they are going into battle. They bristle with resistance as the salesman introduces himself, and begins the cat and mouse game of "I can sell you... No you can't".

    The salesman is asking qualifying questions, to hopefully keep from walking all over the lot and showing each and every RV. You are simply trying to see the different styles, options, colors, models, etc. It is a tug of war... But it doesn't have to result in all out war.

    Obviously the dealer, as the individual or business that has shelled out literally millions of dollars to provide a good inventory of recreational vehicles, has the right to regulate the flow of potential customers through his doors. He also has the right to dictate what type of methods his sales people use. When people walk through the doors of the dealership, many salesman, like a cop in a bad movie, will subconsciously read you your RV Miranda Rights.

    "You have the right to remain ignorant. Anything you say can and will be used against you in the sales office. You have the right to speak to your spouse, and to have your spouse present during any negotiating. If you cannot afford an RV, one will be financed for you at 3% over buy rate."

    This is the mentality of many, many RV dealers and sales people across the country. They will use any means possible to sell you an RV from their inventory, and their lot. They will use a multitude of tricks and strategies to "help" you buy on your first visit. They will give you reasons to buy NOW! 

    You, as the consumer also have a set of rights that you should go over mentally as you walk through the doors of any dealership. 

    1. You have the right to be knowledgeable. Anything you have learned can be used against the pressure tactics of any unscrupulous salesperson or greedy sales manager.

    2. You have the right to take your time. Although you do have the right to know how to use urgency to your advantage.

    3. You have the right to know the wholesale and retail book value of your trade in, as well as the RV you are buying. 

    4. If you finance your RV, you have the right to choose your own source for RV Loans, and the best interest rate and terms possible.

    5. If you choose to purchase an RV Warranty, you have the right to a fair price and a reputable company.

    Clearly, the dealer is

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