Diet Soda May Increase Risk of Depression
Diet Soda May Be Making You Fat
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1. “These cars cost me less than you think.”
As car dealers try to move inventory off their lots, consumers can exert more leverage in their buying power and try to negotiate the lowest price possible.
And, with online buying and selling, consumers can arm themselves with more research before making an offer: Car-buying sites like CarsDirect.com provide a car’s invoice price and the manufacturer’s retail suggested price (or MSRP), and consumer information hub Edmunds.com even lists cars’ invoice prices with various options.
What’s more, “holdback” allows dealers to pay up to 3% below invoice for vehicles. Here’s how it works: The dealer buys the car from the manufacturer at the invoice price. Then after the car is sold, the manufacturer reimburses the dealer for the cost of keeping it in inventory for 90 days. When a dealer sells the car faster than that, part of the holdback payment becomes pure profit, even if the car is sold at invoice price. “You’ll never get holdback money back from a dealer,” says Burke Leon, owner of BL Auto Enterprises, a Fullerton, Calif.-based dealership that sells nearly-new off-lease cars, and author of The Insider’s Guide to Buying a New or Used Car. But just knowing about it can help when a dealer whines that he can’t meet your price.
2. “Our lenders aren’t as tough as I’ll make them seem.”
Some car dealers will try to pass the buck regarding pricing and sales tactics. One common trick: Blame everything on the lender. For example, some dealers who don’t want to give you the price you’re asking for may tell you that the leasing company requires all deals to be based on the sticker price, says Mark Eskeldson, founder of CarInfo.com, which provides consumer-protection advice to car buyers, and author of What Car Dealers Don’t Want You to Know. That probably isn’t the case, since lenders can’t control a car’s price.
Likewise, some dealers will try to sell you an extended warranty, claiming that the lender requires it. Don’t be fooled. In its online “Facts for Consumers” report on auto-service contracts, the Federal Trade Commission tells car buyers to watch their backs: “If you’re told you must purchase an auto-service contract to qualify for financing, contact the lender yourself to find out if this is true.” The FTC also says that some people have had a hard time trying to get out of a service contract they signed up for thinking it was a standard requirement for their car loan—another good reason to ask questions before any papers have been signed.
3. “You could probably get this car cheaper on eBay.”
One of the biggest threats to bricks-and-mortar car dealerships today is direct sales over the Internet. Nearly one in four consumers looking to buy a late-model used vehicle went online to buy a car in 2007, a 44% increase from 2006, according to the most recent report by J.D. Power and Associates. EBay Motors alone has helped consumers sell more than 3.5 million cars on its website; That’s not surprising since as of January 2010, 21% of all online automotive minutes are spent on eBay Motors, according to the Nielsen Company. What might come as a surprise is the fact that car shopping on the Internet is saving consumers money — an average of $1,794 per purchase, according to J.D. Power.
Dealerships have been slow to catch on to the trend, but more are recognizing the value of promoting their brand online. FordDirect, for example, is a joint venture between Ford Motor and Ford dealers aimed at promoting Internet sales. Sales from FordDirect Internet referrals totaled more than 229,000 in 2009, a 7% increase over 2008 sales; this represents over 19.3% of total Ford retail sales, up from 15.5% in 2008.
4. “The old bait-and-switch is alive and well.”
It’s a tried-and-true tactic: You walk onto the car lot, your heart set on a certain model, but immediately, the salesperson starts ticking off all the reasons why that model simply isn’t good enough for you. Before you know it, you’ve signed on for something bigger and better and, naturally, more expensive.
These tactics can result in drivers signing up for leases so that they can afford the monthly payments on an expensive car, says Eskeldson.
Another problem is that car buyers often think they’re showing up at the lot with tons of information they found online that they can use to negotiate – but often that information isn’t helpful, says Phil Reed, an editor at Edmunds.com. Knowing the invoice price of a car, he says, isn’t enough since it isn’t in lockstep with the car’s true market value. True market value pricing takes into account several factors, including a car’s current inventory levels – the higher they are, the more willing a dealer will be to negotiate – the local market sale conditions, hidden pricing details (i.e., all those extra fees that get added on before you sign the contract) and available rebates and incentives.
5. “I’ll give you a great price—and then lowball your trade-in . . .”
If you’re trading in an old car, Leon explains, the dealer’s greatest potential for profit lies in giving you the lowest possible value on your trade-in. How come? Most people have no idea what their car is worth, and besides, you’re less likely to play hardball on this point when that new car is much more interesting. “They get you involved in loving the new car,” Leon says. “And your old car seems kind of punk in comparison, so they ‘do you a favor’ and get it off your hands.” For this reason, Leon recommends always settling on a trade-in price before considering a new or even a used car, despite the conventional wisdom of doing it the other way around.
Reed went undercover as a salesman in two Los Angeles-area dealerships and then wrote about it for Edmunds.com. During three months he saw firsthand how much money can be made in used car departments. One day, he says, he watched a man drive into the dealership’s parking lot, scurry over to the used cars, and then rush back to his car. “He said he had just traded in his Chevy Cavalier here,” Reed says, “and wanted to know what they were selling it for.” The discouraging answer: While the customer had gotten $5,000 for the car, its asking price on the lot was $12,000
In this lecture about addiction to drugs, sex, and alcohol I learn a
number of different things about how addiction works and how scientist
study the pattern to find what causes it and prevents it. Most of the
myths that Dr. Garza proved to be false was exactly what I always
assumed to be true.
One of the major myths that I thought to be true was that drugs, sex,
and alcohol affect everyone in the same way. As in high school there is
a very divers group of kids who are known to be addicted to different
things. Like for example the group of kids who do drugs, I know many
people who go threw that phase and come out like nothing happened, while
other get stuck with no way out weaken by the addiction. For example
cigarette smokers, my older sister is practically a chain smoker, she
has tried everything one can think of to quit but it never worked. Where
as my boyfriend, Jesse, was a social smoker ever since he joined the
military three years ago; I refused to go out with him because he drank
and smoked and he quit on the spot. As one may see how I quickly came to
the conclusion that my sister wasn't trying hard enough, and probably
just waiting for the medicine do all the work. On a more personal
observation, people who drink I always thought were liars. I transferred
from a very strict private school in Dallas, to a very small, barely a
3A, country school in the middle of nowhere, straight in to high school.
I became friends with the more outgoing crowd the partiers and I went to
a party of there's. Even though it tasted disgusting, I drank just as
much as the girls I went with and I wasn't making out with every guy I
saw, stripping on table tops, or throwing up on everything, and I
defiantly remembered everything the next day. So when the girls came to
me saying they couldn't control them self because they were drunk, I
didn't believed them, and I found new friends with better morals. I'm
still not completely sure 'how much' drinking really effects someone
actions. I now believe as Dr. Garza proved with the different test done
to monitor the brain activity that things like drugs and alcohol effect
people different. He also proved this concept again with the different
kinds of rats Dr. Garza test on; which reveal it took different amounts
of myth to keep the rats in that satisfied high. This explains why I
never got drunk and girls that drank just as much as I was way passed
what I would call drunk. It also explains why my sister has such a
problem with trying to quit smoking and Jesse quit without haven a
second thought about it.
Another major thing that I learn more about is how scientist studies
diseases as in addiction to different things. I guess I never put much
thought in how they do their research and get their data. I heard of mad
scientists who do test on humans before, which are how they say all the
different blood types evolved. Although I don't believe that Dr. Garza
is a mad scientist, I guess if people are willing to participate to find
a cure for their disease, its okay. I mean people do the same thing all
the time when they risk their life getting an organ transplant, even
though there is a chance their body could reject it, to find a way to
get through their disease. It was also interesting as well as shocking
to hear that methamphetamine addicts chose money over myth, even as low
as seven to sixteen dollars, even though there concealed in a hospital
for weeks with no other way to get what they were supposedly addicted
to. Another fascinating fact Dr. Garza stated was how the genetic makeup
of a person effects how prone to addiction a person could be. This
statement makes me wonder if I can control in a sense the genetic makeup
of my children. For an example if I marry someone who tried and found
some kind of displeasure in drugs and alcohol and never tried it again
just as I have, will that make our children dislike it and never want to
do it as well? Dr. Garza gave a fascinating lecture that left many minds
continuously thinking about the different concepts and how they connect
in a bigger picture. I truly appreciate this chance to listen in on what
scientists today are studying; I don't believe that students get enough
great opportunities such as these. There for I want to thank you for
letting us sit in.
Published on May 13, 2010
Written by Public Record Finder Staff
When Twitter first exploded onto the tech scene, most predicted the
website to be a passing fad. Now that tweeting has become a part of the
English lexicon and is being used by everyone from Barack Obama to
Charles de Gaulle Airport, the Library of Congress plans to create a
public record archive of every tweet since March 2006. Though private
accounts and direct messages will not be a part of the archive, a
majority of the 50 million tweets sent daily are public.
While Twitter is the first social media site to be fully archived in the
Library of Congress, it is not the first or only form of electronic
communication to be stored. Everything from e-mails to text messages is
stored in some capacity. In recent high profile court cases, text
messages have become pertinent in establishing alibis and character
references, while emails are regularly used as evidence involving
government officials. Who knows if Twitter accounts will be the next
form of communication to enter a court room?
By preserving the 140 character messages to be freely searched by the
general public, the Library of Congress is taking a unique step in
recording history. While the value of what a high school student in Iowa
has said about the latest episode of How I Met Your Mother may not be as
important as the first tweet by Twitter co-founder Jack Dorsey, it will
provide future generations with a unique perspective about present day
culture and trends.
The United State Postal Service has recovered approximately 20,000
pieces of mail — some of them more than a decade old — from a
Philadelphia postal carrier's garage.
Special Agent Scott Balfour says it took three mail trucks to remove the
letters. The carrier worked in the city's Bustleton neighborhood.