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Why do people say that the US is hated around the world? I am always treated nicely and catered too as a tourist, as people have been very nice indeed. People in the US who travel little often repeat these things and believe them and they blame our government in our foreign policies. Why? America is a generous and great nation to the World.

The United States is the greatest nation ever created in the history of mankind. We need to make it even better. And work on a few minor issues, then we need to package the plan and allow for a United World Franchising System for those nations who truly desire to get with the program. Recently a reporter argued this point of contention to me and said that the following nations do no like us:

“UK, Iraq, Iran, North Korea, Bolivia, Venezuela, Cuba, Indonesia, France, Zimbabwe,
Colombia, Panama, Canada”

Dear Sir, with the laundry list, How day you name Iran in that list as their leaders support Hamas, which wants to destroy Israel, blow it off the map and send in insurgents to disrupt the fledgling democracy in Iran. How dare you name the ever incessant man of political posturing and threatening in North Korea. Panama should be thankful we gifted them one of our major assets in the Hemisphere.

France, who cares, with their oil for food scandal hypocrisy, after they put out a media hit on the United States, meanwhile civil unrest there never stops with all their riots. Venezuela? please spare me. Columbia loves us without us where would they sell their drugs. Indonesia loved our aid after the Tsunami.

Bolivia is posturing and in crisis and attempting to be friends in the region and does not dislike us, they are actually rather neutral on the matter. Canada exists thru our protection with an Army of only 8,000 do not kid yourself, we have a huge trade deficit with them, without us their economy would not succeed at these levels. Besides I am always well treated in Canada when I visit. The UK is our ally. Your list is BS. I will not debate with pretenders of truth. The United States is well liked and we have many friends around the world, for those who claim otherwise, well it simply is not so. Consider this in 2006.

“Lance Winslow” - Online WorldThinkTank.net/wttbbs/ Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance in the Online Think Tank and solve the problems of the World; WorldThinkTank.net www.WorldThinkTank.net/

Yo-yo financing fraud is a very common practice among car dealerships to rip off customers with below average credit by convincing them to drive off in cars without finalizing their loans. While you are at the car dealership, financiers will tell you that you have excellent credit and received a good interest rate on an auto loan. Then they give you the keys to your new car and tell you that the sale is final pending loan approval and off you go. A few days later, you get a phone call from the dealership letting you know that the loan fell through because you did not qualify for the interest rate you thought was set in stone. Then they ask you to return to the car dealership to workout a new loan. If you do fall for this scam, let it be known that you may be paying a higher interest rate and perhaps a fee if you agree to pay it.

The car dealership knows the interest rate that you qualify for and how large a loan you can get. They were well aware that you had bad credit before you drove off. They also knew that your interest rate would be high even if you could qualify. The final result is that you buy a less expensive car or you do not buy a car at all. Yet you want the car very badly for the right price. The salesman is cognizant of this. He already knows your credit score and wants to make a sale as best as he can. If you have below average credit and have not obtained your own financing, they view you as a target for yo-yo financing fraud. Sometimes this scam is also known as spot delivery fraud.

Customers with below average credit rarely question yo-yo financing fraud

People with below average credit are suckered into this scam because they are well aware that they have bad credit. The car dealership uses this fact and takes advantage of the customer. They will write in a “subject to loan approval” clause on the paperwork before you drive off. This scam will definitely not work on you if you have an excellent credit rating and you know your credit score. If your credit is good and the dealership attempts to raise your interest rate to 17%, you will probably be ready to walk out the door. For this reason, car dealerships target customers with below average credit. They probably will let go of the car anyway. There is no reason to take a risk. The unsuspecting customer with below average credit could get swindled into paying more per month. If the dealership feels that they are easily fooled, they might even tack on some extra fees as well.

The best way to circumvent a yo-yo financing scheme is to get your own financing on your new vehicle. Go to a bank or credit union, but do not go to the car dealership’s financing department where you will risk becoming a victim of this scam. You will also protect yourself by not driving off in a car unless you are sure that the sale and interest rate on your auto loan are locked in. If somebody tries to give you the keys to drive off in a car without a fixed price and interest rate, then walk away from the negotiating table. There are many honest car dealerships that you can patronize.

Anytime a car salesman asks you, “how much can you afford to pay a month?”, run very fast. If you have secured your own financing, it is none of his business how much you can afford. All that matters to you is how much the car costs. Period. Anytime a car dealership calls you to tell you that your loan fell through, you should suspect that you have become a victim of yo-yo financing fraud. Never drive off with a new car unless you are 100% certain that everything is finalized on paper.

What to do if you believe you are a victim of this scam

If you believe you are a victim of yo-yo financing fraud, you should report the car dealership right away to your state’s attorney general office. You should also report your bad experience to the local Better Business Bureau. You can also try to find better financing and secure a lower interest immediately. There is nothing that says that you should pay the interest rate that the dealership has locked you into. Getting an 8% APR from a 16% APR could save you hundreds of dollars per month and thousands of dollars per year.

There are many forms of consumer fraud going on nowadays. It is up to you to educate yourself on what is or is not legitimate. Hopefully, our advice will minimize your chances of becoming a victim of yo-yo financing fraud.

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