Auto Leasing Guide

Something strange happened this week in Amazon.com's apparel section.

For a day or two, a black T-shirt featuring an image of three wolves baying at a full moon claimed the top slot at the online store's clothing bestseller list,, beating out the usual, unremarkable mix of Levi's 505 regular-fit jeans, Crocs clogs and Adidas running shoes.

Three Wolf Moon T-Shirt, Available in Various Sizes

And really, why wouldn't you buy the shirt, which is priced from $7.65 to $17.93, depending on your size? Just read the long and growing list of customer testimonials promising earth-shattering experiences or psychedelic vision quests upon purchase.

"I bought this shirt and instantly old girlfriends started calling me again," wrote one reviewer."My doctor says the cancer has gone into remission," wrote another. "

Thanks for changing my life!"The shirt's page at Amazon.com had quietly existed for years without much comment, but after a snarky link from CollegeHumor.com, the "Three Wolf Moon" shirt suddenly sprouted hundreds of five-star ratings.

Reviewers have dreamed up epics about its powers, weaving fantasies involving everything from the Large Hadron Collider in Switzerland to the pop group Duran Duran.

As the joke caught on and got passed around the Web, Photoshopped spoofs of the shirt started appearing online -- featuring corgi puppies, spiders or haddock instead of the now-famous wolves.

CollegeHumor.com, a comedy site started in 1999 by a couple of high school friends who grew up together in Timonium, Md., also claimed victory this week for rigging an online poll run by the state of Nebraska to select a new license-plate design.

The site urged its readers to vote for what it deemed the most boring design available to Nebraska drivers. That gray-and-white plate won.Officials in Nebraska said they monitored Web traffic to screen out visitors coming directly from the humor site, but CollegeHumor.com was still, credibly, claiming the joke a success this week.

"Together we pranked the entire automobile-owning population of Nebraska," wrote a CollegeHumor.com editor, in a Wednesday posting. "Congratulations."

This type of online rabble-rousing appears to be catching on more than ever over the past year, said Tim Hwang, the organizer of ROFLCon, a convention dedicated to celebrating Internet memes.

After all, another Web-based prank crossed over into the real world just last month when a 21-year-old college student, known by the online moniker "m00t," sailed to the top of Time's "most influential person" list in an online poll, beating out the likes of President Obama and Oprah Winfrey.

Gathering nearly 17 million votes, the world's "most influential" person is the founder of another jokey Web culture site, 4chan.org, whose proprietor is known offline by the name Christopher Poole. If you don't get why the shirt, and its reviews, are so funny, don't worry.

CollegeHumor.com co-founder Josh Abramson said it's a case where the shirt is so uncool that it's cool."A lot of things that become popular on the Web are based around just being ironic and being an inside joke," Abramson said.

"This resonates with a geeky, hip crowd that is very Web-savvy. When something resonates with that circle, crazy things can happen."Abramson said his team had considered licensing the wolf shirt for sale.

CollegeHumor.com, which had 7 million unique Web visitors last month, also has an online store that sells T-shirts with ironic catchphrases and designs, called BustedTees.com. But it appears that the site may have been a bit slow to catch on to its own meme.

"We're kicking ourselves that we didn't," he said.The New Hampshire company that makes the "Three Wolf Moon" shirt said that it doesn't generally mind being the butt of this joke."You have to be able to laugh at yourself," said Michael McGloin, a partner and art director at the Mountain, who added that he finds some of the reviews to be "freaking hilarious."

The company certainly doesn't mind the shirt's recent uptick in sales: "Three Wolf Moon" is sold out, and the Mountain has started printing up a fresh batch.

It seems that the wolf theme was growing in popularity even before the Internet hipsters descended, McGloin said."Wolf shirts are super hot right now," he said. "It's the year of the wolf, I guess."

Click now to Three Wolf Moon T-Shirt, Available in Various Sizes

By Mike Musgrove, Washington Post Staff Writer

Labels: ironic tshirt, the mountain, three wolf moon, tshirt, wolf moon, wolf shirt, wolf t-shirt

Hi,

Did you know that online spending is predicted to INCREASE by 14% this year?

So despite what you're hearing about the current economy, this is still an EXCELLENT time to start or grow your Internet business!

And I've arranged to get you some FREE help doing it...

You've probably heard of Derek Gehl, right?

He's the Internet marketing guru that's made over $100 MILLION in online sales as head of the Internet Marketing Center.

Derek's been hard at work, researching and identifying the BIGGEST online trends for 2009, and coming up with strategies that ANYONE can use to take advantage of these trends to make more money online this year than ever.

And now he's turned all of his research, predictions, and strategies into a two-hour online presentation and he's given me permission to give you unrestricted access to the whole thing for FREE!

But I know first-hand that, due to the time-sensitive nature of this information, Derek's only going to make it available for a short time, so if you want to find out how to not just survive in 2009, but actually THRIVE, you need to check it our right away:

http://www.internetmarketing.com/2009-goals/789606

Best wishes for 2009,

Ave Ramel

Labels: hot trends, internet marketing, online trends 2009

Hi,

Will you act during the economic downturn, or simply REACT?

Don't let fear of the recession guide your goal setting plans for
2009. This is a BIG mistake...!

Fear is an emotional response, only good for short-term survival.

When you're in "fight or flight" mode, you're not thinking clearly
about the path you're running... You're just RUNNING!

So your efforts lack strategy, planning, and insight.

I want you to do more than just survive 2009.

Internet shopping is predicted to hit $145.1 Billion in the coming
year, a significant 14% increase -- despite the recession!

Consumers will be spending more time at home, using their
computers for everything from bargain hunting and product
research to upgrading skills.

Studies show this shift is ALREADY well underway...!

I don't want the Big "R" to stop you from pursuing exciting
personal, financial, and business goals in 2009, so I've arranged to
get you exclusive VIP access to an important video that Internet
marketing guru Derek Gehl just put up on his site.

Derek's been successfully selling on the Internet for over a decade
now, and he's brought in over $100 MILLION in sales …

… so he's by far the BEST person to advise you about how to
thrive in ANY market.

When you watch his FREE Goal Setting Video, you'll discover
how you can make 2009 your richest year yet:

http://goal-setting-video.blogspot.com/

Wishing you health, wealth, and happiness in 2009!

Ave Ramel

P.S. Derek's also going to be hosting a FREE Webinar in the first week of January to help everyone kick-off their New Year's goals with a bang.

You can register for it here:
http://goal-setting-video.blogspot.com/

***Trust in the Lord with all your heart***

Labels: goal setting video

Location: Gardenville Subdivision
Carsadang Bago, Brgy. Pagasa
Imus, Cavite

- Already livable subdivision, with 200 residents
- For as low as P180,000 per 60 sq.m. lot.
- Paved roads, with PLDT, Internet, cable lines
- 30% downpayment, 6 months to pay without interest
- Balance payable in 5 years
- House and lot option

Grand Open House: Saturday, November 8, 2008

Only 50 lots available so contact now:

Group Sales Manager,
Ave Ramel

For Online Reservation:
CLICK HERE www.aredconsult.com/real-estate/gardenville

Hi,

I have put together this Internet Business Program that includes MENTORING.

I've decided to create something so that the average person like you, the person that really needs the help, can get access to this program.

Online class starts on September 1, 2008.

Proceed now to Internet Business Program

For Aspiring Entrepreneurs, OFWs, Stay-At-Home, Jobless, New Graduates, and Underemployed -

"I will be your Mentor"

1. If you are a business owner who wants to bring your real-world business to the Net;

2. If you are an independent entrepreneur who wants to work at home and earn income from the Net; and

3. If you are a job-seeker who wants to acquire the skills of ecommerce and internet marketing to get employed abroad.

How is this course unique from other courses:

I will guide you, step-by-step, on a tested and proven strategy that have been continuously refined since 1999 - The Aredconsult Strategy.

The course is designed to generate more than 135,000 visitor-prospects per month from the Internet/Web and in the process, earn from multiple sources of income, including from your own business.

See the topics at
Internet Business Program

After the course, I look forward to a co-venture with you. Let's do business together.

Cheers,

Ave Ramel, Coach

Your Coach is the Strategist, Webmaster, Content Provider, and Net Marketer of Aredconsult Online Learning Network of 9 websites.

He has been studying the Internet since 1995 for his business coursework on Information for Business Decision-Making. He finally took up the challenge in 1999, when internet marketing really took off in the USA that year.

You can say that he's one of the pioneers of internet marketing here in the Philippines.

Chances are it's the price of gas, not auto insurance, that's driving you to the poor house.
But if you want to cut your auto insurance premiums to the bone, stay away from small, fast cars.

"It's a common denominator among vehicles that have the highest losses - a lot of smaller, sportier vehicles, says Russ Rader, spokesman for the Insurance Institute for Highway Safety.

"Contrary to the idea that smaller cars can help you avoid crashes, the data shows that small cars get into more accidents," he says. "If you feel like you have a vehicle that can zip in and out of traffic, chances are you'll do that."

Each year, the institute, and its sister organization, the Highway Loss Data Institute, analyze the actual insurance losses associated with the most popular vehicle makes and models. Since insurance companies use similar kinds of data to set premiums, the rankings give consumers a window into how their vehicle choices affect their auto premiums.

And, once again, the data suggests that small cars and speed are an expensive combination for insurers -- especially with a young driver behind the wheel.

"Sporty cars tend to be driven in ways that lead to more crashes," says Rader. "They also tend to be driven by younger, riskier drivers." And smaller cars also tend to be more affordable, which makes them more attractive to those same younger drivers, he says.

"The Subaru Impreza WRX, the Mitsubishi Lancer, the Acura RSX, the Nissan Sentra SE-R -- these vehicles have the highest rates of collision," says Rader. "And age is a part of it. It's how these vehicles are driven."

10 Most-Expensive Cars to Insure

The 10 vehicles that account for the highest dollar amount of losses for insurance companies (starting with the most expensive) are:

Cadillac Escalade EXT 4WD Subaru Impreza WRX 4WD Hyundai Tiburon Mitsubishi Lancer Scion tC Acura RSX Nissan Sentra SE-R Suzuki Forenza Nissan Sentra/Mitsubishi Eclipse Chevrolet Cobalt two-door

Source: Insurance Institute for Highway Safety, based on 2004-2006 models

10 Least-Expensive Cars to Insure

The 10 vehicles that account for the lowest dollar amount of losses for insurance companies (starting with the least expensive) are:

Ford Five Hundred 4WD (now the Ford Taurus) Buick Rendezvous 4WD Buick Lucerne/Buick Rainier 4WD/Honda Odyssey Ford Freestyle 4WD/Subaru Outback 4WD Buick Rendezvous/Honda Pilot Chrysler Town & Country LWB Honda Pilot 4WD Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70 Dodge Grand Caravan/Ford Freestyle 4WD Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna

Source: Insurance Institute for Highway Safety, based on 2004-2006 models

The car that comes in fifth on the "most expensive to insure" list, the Scion tC, has one of the youngest demographics. Thirty-five percent of drivers are under 25, says Kim Hazelbaker, senior vice president for the Highway Loss Data Institute.

But the car at the top of the list, the Cadillac Escalade, bucks the trend. So why is a luxury SUV most commonly driven by a more affluent and comparative older clientele on the list? Two words: theft magnet.

"The Escalade has a lot of buzz in the entertainment industry," says Rader. "You can't watch an episode of 'Cribs' without seeing an Escalade. So it's desirable."

So desirable that owners face a comprehensive premium of six times the national average, says Hazelbaker.

"It's one of the iconic vehicles that continues to be popular with pop culture stars, so it continues to be popular for people to steal," he says. Plus, "everything in an Escalade bolts into a Suburban," he says.

Least Expensive to Insure

The vehicles that are likely to have the lowest insurance costs? Today's version of the good old fashioned family car, says Rader. These skew toward large sedans, or midsize SUVs or minivans.
"They tend to be driven by people who are not as likely to speed or drive recklessly," he says.

And they also aren't as likely to be used to commute to and from work, says Hazelbaker. That means the cars aren't on the road during rush hour, which also lowers their risk.

"We have an awful lot of soccer mom cars on that list," he says. "The (Buick) Rendezvous, the (Subaru) Outback, the (Honda) Pilot, the Chrysler Town & Country - all of these are sort of 'mommy mobiles.'"

And none of the vehicles on the cheapest to insure list "are very large," either, says Hazelbaker. "As the size of an SUV or pickup goes up, you do have higher losses."

The all-around least expensive to insure? The Ford Five Hundred, the study found. A medium-sized, affordable sedan now known as the Ford Taurus, "it's probably driven by a favorable demographic in a favorable way," he says. "It's a suburban family second car."

Cars of this type "are probably living in a garage," which makes them less of a theft target. Plus they tend to be less desirable to thieves, he says.

"If you're going to pick out something to steal, what would you choose?" says Hazelbaker.

When Bigger Isn't Better for Premiums

But larger vehicles don't automatically mean lower premiums. Some super-size vehicles could actually increase the cost of your insurance.

When two cars collide, the average repair cost for each is about $3,000, says Hazelbaker. But some larger vehicles are routinely linked to higher-dollar damage to other cars. And that could cost you in terms of more expensive insurance.

The top five linked to highest dollar damages to other cars, according to the institute, are as follows.

Hummer H2 SUT 4dr 4WD
Hummer H3 4dr 4WD
Hummer H2 4dr 4WD
Dodge Ram 2500 mega cab 4WD
Toyota Highlander Hybrid 4dr

"They're big, heavy vehicles that tend to inflict a lot of damage on what they hit," says Rader. See the top 10 list.

Keeping Premiums Down

Want to keep your premiums low? Talk to your agent before you buy your next vehicle, says Loretta Worters, vice president of the Insurance Information Institute, an industry organization.

Once you've narrowed your choices to two or three models, ask if any of the premiums will be significantly different. Note if any of the models have high repair costs or theft rates, she says.

It can be tricky. Even different models of the same car can have different costs when it comes to insurance. "A different motor or different luxury items" can change your premium, says Worters.

One example is a convertible. That ragtop could cost you more than the hardtop version of the same car, says Worters. A convertible is "easier to get into, so it might be more costly," she says.
Another tip off to high-priced premiums: higher-priced cars.

"The more expensive the car is, all things being equal, the more it's going to cost to insure," says Dick Luedke, spokesman for the State Farm Insurance Cos.

And each car has more than one score to consider. The same car that shows lower-than-average losses in terms of inflicting damage might be worse in terms of theft. But insurance companies, and the premiums, take the whole package into account.

So what categories make the most difference, when it comes to your premium?

"The biggest portion of auto insurance is for liability," says Luedke. Next is collision and comprehensive, fairly equally. And after that comes medical payments, he says.

Smart money: Look at your car's scores in all categories, but in the end, shop safety. Pick up great safety information, like crash tests results, rollover ratings, recalls, service bulletins and consumer complaints with the following sites.

And the car is only part of the equation. You, your lifestyle and your driving record will also have a sizable impact on the premium. To calculate your premium, insurance companies analyze everything from your age, residence, and driving patterns to your prior driving record and credit history.

When it comes to the premium, says Hazelbaker, "the person in the vehicle makes the most difference."

Dana Dratch is a freelance writer in Roswell, Ga.

Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences.

Think about what the car means to you : are you the sort of person to bond with the car or would you rather have the excitement of something new?

If you want to drive a car for more than fives years, negotiate carefully and buy the car you like.

Read more Buy or Lease? at http://www.aredconsult.com/auto-leasing/buy-or-lease.htm

To avoid being on the receiving end of such tried-and-true tricks, educate yourself about leasing.

Get down to the nitty-gritty and understand what the leasing terms used by dealers mean.

Crunch the numbers along with him and understand how they arrived at the monthly payment figure.

Don't sign anything until you've understood all the terms and your numbers much those of the dealer.

Read more Dealer Leasing Tricks at http://www.aredconsult.com/auto-leasing/dealer-leasing-tricks.htm

Are you interested in chartering a private jet? When it comes to air travel, many travelers automatically think of commercial airlines, but did you know that you also have another option? That option is private jet charter services.

You may want to seriously give the chartering of a private jet services some thought. After a close examination, you will likely see that there are a number of benefits to doing so, especially for business, honeymoon, and romance.

If you have engaged a private jet charter services before, have you decided which private jet chartering company you would like to do business with?

There are some instances, where it may be more of a hassle than anything else. While there are still a large number of jets to go around, you will want to make sure that you make your reservations early.

That is why you are urged to examine the advantages and disadvantages of choosing your own private jet to charter.

If you have yet to do so, you will want to do so with caution. In today's society, scams are at an all time high.

Click now to all the tips and guide about private jet charter services at http://www.philippine-resorts.com/private-jet-charters/private-jet-chartering-scams-aware.htm

During your lease, and you expected to honour your monthly payment obligations.

Any failure to do so will result in late-payment charges.

You have to pay any traffic tickets, emission and safety inspections and ongoing maintenance costs.

Read more Fees Involved In Leasing at http://www.aredconsult.com/auto-leasing/fees-involved-leasing.htm

What if you suddenly realized everything you thought you knew about investing was a lie?

Types of Investments
Online trading
Budgeting
Risk tolerance
Bonds
Stocks
Investing Strategy
Rebates
Investment style

http://www.aredconsult.com/investing-basics/main.htm

How About Real Estate Investing?

Take a look at How To Get Monthly Rental Income From Real Estate,

Welcome to The Condotel Concept!
http://aredconsult.com/real-estate/lancaster/

Lancaster is The First Residential Condotel In The Philippines With An Atrium.

If you want to take advantage of these incentives and contribute to energy conservation then visit HybridCenter.org and complete a personal profile about your driving needs and habits.

You will get in-depth advice on hybrid models that would make economic sense to you and local, state and federal incentives available where you live.

Read more Go Green and Save on Your Lease at http://www.aredconsult.com/auto-leasing/go-green-save-your-lease.htm

Keep in mind that this is a simplified calculation that does not take into account taxes, fees, rebates or any other incentives.

The calculation gives you a ballpark figure or a rough idea of what your lease payments for the vehicle in question should be.

Read more How to Calculate Your Lease Payment at http://www.aredconsult.com/auto-leasing/how-to-calculate-lease-payment.htm

Make sure you know all the fees involved at the beginning of your lease: you may have to pay fees for licenses, registration and title.

Other fees include acquisition fees, freight fees and local or state taxes.

Read more How to Lease a New Car? at http://www.aredconsult.com/auto-leasing/how-to-lease-new-car.htm

Leasing has been lauded as your cheapest ticket to keep up with the industry's hottest vehicles and trends.

The jury, however, is still out on leasing: with the industry long on hype and short on detail, it is difficult to distinguish between a genuinely good deal and a downright up-selling exercise.

Read more How to Spot a Good Car Lease at http://www.aredconsult.com/auto-leasing/how-to-spot-good-car-lease.htm

Independent lease companies can offer you unbiased and professional advice on vehicle selection regardless of make and model.

This is because they are not tied to a single manufacturer or financing source, unlike conventional dealers who have to sell specific models.

Read more Independent Car Lease Companies at http://www.aredconsult.com/auto-leasing/independent-car-lease-companies.htm

Most people just don't understand how this is calculated on capitalised cost AND residual value instead of just the capitalised cost.

For most, it seems plainly obvious, just as is the case when purchasing, that a charge should be levied on the capitalised cost of the vehicle.

Read More Read This First at http://www.aredconsult.com/auto-leasing/lease-financing.htm

Before swapping your lease, make sure your leasing company approves lease transfer transactions.

Caution must be exercised in choosing a lease swapping service: make sure they facilitate the whole lease transfer process, offer online or telephone customer-service help and registered buyers undergo stringent credit checks.

Read More Lease Trading at http://www.aredconsult.com/auto-leasing/lease-trading.htm

Ask for your FICO Credit Score from the Fair Isaac Corporation (FICO) which details your credit score held by all three leading credit score agencies in the country.

Compare the three credit scores and determine if any agency is holding erroneous credit data about you. Contact the reporting agency and getting corrected.

Read More Leasing with Bad Credit at http://www.aredconsult.com/auto-leasing/leasing-bad-credit.htm

Praise Realty Marketing Corp. and Aredconsult, Inc. have joined forces this February 23-25 by launching The Global Filipino Conference that will unite different Pinoy organizations, local and abroad.

The date cannot be lost to majority of Filipinos because it is the date of the EDSA Revolution.

The PinoyConference.com homepage shall be launched on February 26.

The Global Filipinos Conference initiative shall create a big directory of organizations, associations, and movements that the members can join later.

It will initially offer online learning modules for individual subscribers such as self-improvement, online entrepreneurship, work-at-home, investing, personal finance, blogs, forums, and chats.

In the immediate future, Instructor-Led Training (ILD) will be held.

Praise Realty Marketing Corporation owns Praise Realty.com.ph, one of the Top Ten real estate marketing websites in the Philippines based on Alexa.com.

Aredconsult.com specializes on business marketing and one of the pioneers of internet marketing in the Philippines since 1999.

We are now accepting free membership at http://mysearch.ph/pinoy-network

Security deposits an up-front amount that your leasing company required at the beginning of a lease to safeguard against non-payment. This is generally refundable at the end of your lease.

Termination or Disposition fee The amount you have to pay the leasing company at the end of your lease if you decide not to purchase the vehicle.

Wear-and-tear charges Extra charges you have to pay at the end of your lease for any wear and use the leasing company considers above normal.

Read More Leasing Glossary at http://www.aredconsult.com/auto-leasing/leasing-glossary.htm

The Center for Internet Marketing Research and Education (CIMRE) will conduct a Web-based training on February 7, 2008. Philippines only initially.

1. If you are a business owner who wants to bring your real-world business to the Net;

2. If you are an independent entrepreneur who wants to work at home and earn income from the Net; and

3. If you are a job-seeker who wants to acquire the skills of ecommerce and internet marketing to get employed abroad.

FREE ENROLLMENT:

http://www.philippine-imarketing.com/internet-business-program/

In this Web-based training, we will discuss The Aredconsult Strategy on eBusiness that has been continuously researched since 1999 using at least 9 websites for experimentation.

In the immediate future, we will be conducting Instructor-Led sessions.

For Newbies and Non-Techies, there is a manual that can be purchased at PHP300 only.

The Aredconsult Strategy Manual also contained hundreds of details and internet marketing tactics.

http://www.philippine-imarketing.com/internet-business-program/

Here are the problems a foreign tourist usually encounters when traveling to any overseas country:

Nobody meets you at the airport and provides you with the transportation out of that place.

This is just the beginning of your problems until you go back to your own country.

But you're supposed to be on vacation.

When traveling to the Philippines, simply contact your Travel Buddy...

- who can run errands for you and provides you with useful information.

- finds you a place to stay that suits your budget

- accompanies you to your various appointments

- arranges your transportation for you to go around the place

- arranges your travel plans and documents

- guides you around the Philippines

- checks on your safety and security


Contact now Travel Buddy at http://www.philippine-resorts.com/travelbuddy

Leasing a used vehicle can be an attractive deal in many ways, no least getting you into that luxury model or SUV, for lower monthly payments than a brand new one. Be prepared, however, to do some more homework to dissect a good deal.

As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value.

Read more Leasing Used Cars Explained at http://www.aredconsult.com/auto-leasing/leasing-used-cars-explained.htm

Founded as a mining camp in the Colorado Silver Boom and named because of the abundance of aspen trees in the area, the city is now a ski resort and cultural center.

Finding things to do in Aspen, Colorado during the day isn't difficult - get out on the slopes and ski or enjoy one of the other winter sports that you love.

At night, however, Aspen really comes to life with Aspen nightlife! No matter how old or young you are, there is something to do in Aspen twenty-four hours a day, seven days a week.

Read more Aspen Nightlife and Vacation at http://www.philippine-resorts.com/aspen-vacation