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Product Creation Tips – The Three Biggest Product Creation Lies – Are You Falling For Them?

I really enjoy helping people create information products that can eventually create more time and freedom for them by duplicating their efforts. Many times they have heard conflicting ideas about creating products or have seen programs that promise instant and effortless product creation. Let me share with you the top three product creation lies.

Lie #1 You Can Create or Buy Instant Products with Little Effort.

If you want to sell virtually worthless and low quality products, this might be true. But if you want to actually share your knowledge, information, gifts, talents and inner voice with the world, there is no instant about it. It can be a fast process, but there is effort involved. I believe when you create a product, you are actually sharing part of yourself and your light with the world.

Lie #2 You Must Take Years to Create a Quality Product.

On the other end of the spectrum, there is also no need to spend months and months or years to create great, high-value products. I believe the best way to create products is to first set a start date. Then set an end date for completing your product or you could end up trying to tweak and perfect your product forever. When you use my quick and effective tips to create quality products that do not require years of your life, you can become a product creation machine too.

Lie #3 There Are Already Too Many People Creating the Kind of Products You Want to Create.

Instead of being discouraged if someone else is already teaching what you want to teach or creating those types of products, ask yourself how you can differentiate yourself from the crowd. There is a segment of the population who will resonate with you as a teacher waiting for you and your products. And if you see competition out there, think about how you can collaborate with them. There is more than enough room for everyone and the internet makes collaboration extremely easy.

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Auto Auction Bargains: 10 Guidelines for Smart Buying

Yes, you CAN save a bundle on a used car. If you shop the auctions, and shop smart.

There are plenty of opportunities, at government auctions, police auctions, repo auctions, and more. Lots of auctions, with inventories that change constantly.

Many prospective buyers don’t know there are auctions, or where they are, or how to participate. Smart buyers know where the good auctions are, and understand how to make the moves that lead to a successful bid. Here are a ten important guidelines every buyer should know.

1. Understand that for smart auction buyers, information is king. Don’t just walk in and start bidding. Do your homework. Know where the best auctions are. Know about the vehicle you’re bidding on. Ask questions. Know what’s the right price for the car you want.

2. Come to the auction site early. Give yourself time to look around carefully and identify the cars you’re interested in. Generlly, you’re not allowed to start the vehicles, or drive them.

3. You may want to consider traveling to auctions that are some distance from big cities or towns. They’re likely to be less crowded with bidders, and the cars may fetch lower prices.

4. Check the history of any car you intend to bid on, with CarFax or similar data base. Some buyers at an auction use their cell phones to send cars’ VINs (Vehicle Identification Numbers) to friends at home, who go on line to check vehicle service histories, then phone back the information before the bidding starts. Some auctions supply car histories to prospective bidders.

5. Check VINs on a car’s trunk, hood, doors, etc. If all the VIN markings on a car aren’t the same, the vehicle has been assembled from parts of other cars, and may have been stolen.

6. Look up the prevailing market value of the cars that interest you. Search for information in authoritative publications: Edmonds, nada (National Automobile Dealers’ Association), or kbb (the Kelley Blue Book). You may also want to check on line at AutoTrader.com.

7. Don’t catch “auction fever.” Set a limit on how much you’ll pay for a car you’re interested in, and don’t bid above that limit. It’s easy to get caught up in the excitement of bidding, and feel you must win the bid no matter how high it goes. Keep a cool head. There are a lot more cars to choose from.

8. Find out the auction’s buyer’s premium before you bid. Remember, you’ll actually pay more than your winning bid. You’ll also pay a buyer’s premium to the auction house, generally 10 percent of the bid. Also, some auctions charge an entrance fee to get the number that makes you eligible to bid.

9. Read the contract carefully. When you win a bid, you’ll be asked to sign a contract that sets down the details of the deal. Read the contract carefully, paying particular attention to how long you’ll have to wait for the car’s title, if the auction house doesn’t have it at the time of sale.

10. Be sure you have the money. You can’t finance an auction car. Know the auction’s payment requirements.

Piggyback Credit Lines: All That You Wanted to Know About Piggybacking

For quite a long time, parents have helped their young kids piggybacking of their credit cards to initiate a credit life while it has been quite a common practice that spouses used to piggyback each other enabling them to buy a luxurious apartment or high-cost car etc. in fact, piggyback credit lines, in industry term ‘tradelines’ refers to adding somebody with low credit as an authorized user on someone else’s credit card with good history helps boost credit score as well as credit history of the AU.Credit card piggybacking, in fact, emerged in the mainstream during the period of the great financial recession of this century when plenty of credit repair companies and individuals used the advantage of piggybacking credit lines to artificially facilitate common people/relations to qualify for mortgages or come out of bankruptcy.Scope of PiggybackingAs stated above whereas someone with a poor credit score becomes an authorized user on someone else’s credit card with high credit score and thereby inherits the same and boosting their credit status is piggybacking. While many people confuse it with joint account, the major difference is that an authorized user is not legally liable to pay the dues on the credit card or make any changes in it whereas a joint account holder can do. Nonetheless, an authorized user finds the full credit history of the primary cardholder reflected on his/her credit report while boosting the score. Thus, piggyback tradelines are an effective way to enjoy access to good payment history, age of that account and its utilization rate. When these features are not positive, it can risk you to drop your credit point further.Piggyback Credit LinesAs you’ve seen how piggybacking is used in the family circle, when it comes to your turn, you can get the same advantage for some fees to piggyback credit lines or buying tradelines from its reputable vendors. After having the details of you and the charges, the credit repair company will match you with one of their credit card holders having considerable credit score and add you as an AU to the person’s credit line i.e. credit card. Equally, the primary cardholder gets a portion of the fee you’re paying even though you don’t receive the original card and the tradeline company performs as a middleman in the deal.How does it Work?In order to understand how to piggyback credit lines works, first of you, you need to understand the fundamentals of credit score. You might be aware that the three major components that affect your credit score are 1) your payment history, 2) available credit in your card that refers to your credit utilization and 3) the age of your credit history. Precisely, your score states potential lenders how you’ve used your debt so far. Now, as you become an AU, the primary user’s credit history appears on your statement and increases your credit score with credit limit. On the contrary, this can equally lessen your credit utilization ratio if you piggyback a credit line that has a low balance. Similarity it can increase or shorten your credit history which are some risky sides of piggybacking; which is why while buying tradelines, do thorough research and work only with high profile companies.Is Piggybacking Legal?There’re plenty of disagreements about whether piggybacking on someone’s credit card is legal or deceptive. According to the conclusion of different U.S. commercial laws or FICO whereas consumers are misled by fraud piggybacking companies, it’s obviously illegal. However, unless it is misused for some misdoing this is lawful in the eye of law.

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