4 Things to Think About When Buying From Car Dealers

Before you go to visit car dealers, it’s worth putting in a little time to research options. This is a process you don’t necessarily have to undertake alone. Salespeople can be useful allies in this acquisition, both in the initial purchase and further down the road. Here are a few things you can do to better equip yourself for the experience:

Do Your Research

The internet has allowed us to connect in ways we could not have imagined and allows for a level of transparency not seen before. This is advantageous for someone in the market for a new vehicle. You have the ability to compare prices, conditions, makes, and models at several different car dealers without leaving your home. You can even begin communicating with a salesperson online via email or chat features, building a relationship with him before you ever step foot on the lot.

Leasing and Financing Options

Purchasing a new or like-new vehicle is a big financial undertaking. You may opt not to take on this burden all at once. Leasing and financing are both options you can consider to alleviate the initial cost of buying an automobile. And a salesperson can be very helpful in navigating these options. Since they have worked with many customers, they have a comprehensive view of the market and would be able to tell you the benefits and drawbacks of leasing and financing for someone in your unique financial situation.

Leasing and financing are also both useful options because many car dealers have begun to offer maintenance packages with their loans. This means that you won’t have to worry about where to take your automobile when you need an oil change or your tires rotated.

Online Estimators

Many car dealers have started offering value estimators on their websites. This means you can get an idea of what your trade-in is worth without ever leaving your home. Online resources can also provide information about common problems with certain models. The reasoning for the value of an automobile often includes customer complaints about that model.

See the Car in Person

Terms like “good” or “like-new” can seem incredibly vague until you see the vehicle and its condition yourself. A salesperson will also be able to tell you about recent maintenance and body work, giving you a more comprehensive view of the automobile’s condition and value.

Good car dealers will always be open and upfront about the process of buying a vehicle. A salesperson will help you with the steps involved in getting you behind the wheel. These extra tips will allow you to purchase with confidence.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.

Do You Road Rage? Why We Do, and What We Can Do About It

Living in a city like Los Angeles requires a commute on some form of Freeway (too many to list), a journey through bumper to bumper surface streets, and possibly a walk. All of this is cemented between our daily stressors of work and family.

It’s often common for us to leave home upset around time management issues, conflicts with loved ones, or the dread of going to a place of employment. How can this not affect us? Most of us are also aware that there is an unofficial “Rules of the Road” handbook that establishes polite behavior, which is not followed by many. The perfect storm of impolite driving (unsafe, or self-righteous), and an average person’s bad day can lead to escalations that are unsafe for all parties. Most of us would call this sudden explosion of anger, Road Rage.

While the actions of others remain out of our control, we can be more mindful of our own state as we enter our cars. When a person makes a physical check of possible obstructions prior to pulling out of a space, they are hyper aware. Their eyes search all mirrors for people, dogs, and other cars as if life depended on it, and in many ways this is true. We can also look inward, within ourselves. Creating an awareness of how you are feeling prior to starting the ignition, can be helpful in creating awareness of where you are at.

Road Rage is related to the tipping point of our agitation. What is your frustration tolerance at that particular time, on that particular day? Some people appear to always be at a high frustration level, but for others, irritation can sneak up more slowly. What are the daily obstacles we still have in front of us? Maybe there is a specific meeting, appointment, or a time we have to pick up our kids. It could be the time of day we depart such as rush hour, or a work related task that still lingers on our mind. Are we late? There is an infinite amount of possible stressors, and personal drama or what we might call personal crisis situations (hey it seems like a crisis to us!), but when paired with inconsiderate drivers things can explode.

If we were to rank our personal wellbeing on a scale of 1-10, with one being Buddha, and 10 being Hulk, most likely we all live in a 3 most of the time. It’s once we cross 5 or 6, that we want to become more mindful of Road Rage triggers, and our own body awareness. This is the time we can course correct, prior to further and potentially more dangerous escalation.

Every person has a different anger response. If we begin to track our outbursts, we become more aware of the patterns in our triggers. This is where we can consciously begin to change patterns and replace or alter behaviors. Tracking body symptoms prior to outburst (twitching eye, flushed face, rapid breathing, warm forehead, watery eyes, itchy shoulders or neck, clenching, etc..), can be helpful in establishing patterns, but we need to work on better planning to implement prior to these escalations.

Listening to the radio, taking deep and purposeful breaths, or talking to a good friend or family member can be helpful. Avoiding conflicts while driving is a good rule of thumb as well. When a person is riding at an 8 or 9, it does not take much to be the straw that broke the camel’s back. As our mindfulness and self-awareness increase, it’s easier to make better choices, and do the things we need to do to be safe.