Most people are scared of walking into a car dealership to buy a new car. They should be! Car dealers are very skilled negotiators, and the dealership is their home turf. But there are ways to be prepared. The auto industry is one of the many that have been transformed by the information revolution. The world wide web has really equalized the information gap that most dealers have used for decades to make a big profit. Face it, car dealers are basically a commodity. So use that to your advantage to get the best deal!

This post is the first of a 3 part series that really quickly explains how to make sure you are getting a good deal on your car. The first step is very simple and only requires a few minutes at your computer!

Simply search for the brand of car you are interested in and your location. For instance, if you live in Manhattan and are looking for a Toyota Camry, you could do a google search for New York Toyota Dealers. Or maybe you live in Texas and would like a Mustang. Just search for Houston Ford. Pretty simple right?

Once you do those searches, click on the links that come up and copy down the contact information for each dealer. Do a bunch of searches to make sure you’ve found ALL the dealers near you who might have the car you want. We’ll cover how to get ready to contact them next.

There once was time when the only funny You Tube videos you could find were on the occasional T.V. Program, and they were often reruns. Now funny videos are everywhere. Using the internet you can even search for funny videos by topic. Do you like animals, stupid stunts, or maybe even some people getting caught in a practical joke? No more screening by producers for what they might think is funny or approved by the FCC. Now you can find the videos you think are funny made by people all over the globe just waiting for there chance to shine, or in some cases, laugh at themselves.

YouTube clips are fascinating, hilarious, and just down right interesting. And the beauty of a Youtube clip is that it often only takes a second to watch and can give a much needed boost to brighten your day. Youtube clips that you find really fascinating can even be sent to your friends and family with a simple link. Take some time for you with a Youtube clip that will leave you in stitches and in awe. The new water cooler discussions aren’t always about the latest primetiem show, but a Youtube clip. SO don’t be the one person at the office in the dark. Check out a Youtube clip today.

You Tube is the hottest growing trend on the internet. You can be the star you always wanted by making your own home videos and posting them online for the world to see. You Tube viewers may even rate you as a most popular video if you have the right stuff.

Maybe your not ready to make your own You Tube debut? Then why not take a look to see what others have done. Maybe even you favorite star relaxed and in their own envirmoent? Get a chance to see what happens when the spot light is off and the camera is still on. You Tube has something for everyone, even you.

When choosing your accommodations for your next vacation to Disney World, consider renting an Orlando vacation home instead of staying in a resort or a hotel. These rental homes are often less expensive and can accommodate more guests than a typical hotel room. The added privacy, along with the convenience of having a kitchen to prepare your own meals and a private pool to enjoy makes these vacation homes near Disney a popular choice among visitors to Orlando.

These homes can sometimes be booked through a travel agent, but the quickest and easiest way to find the perfect Disney vacation home is to visit one of the many sites dedicated to booking vacation home rentals in Orlando, Florida. These sites usually include a photo gallery of the actual homes available, so you can view each home and choose the one that you like best.

Most visitors to Orlando will agree that once they’ve stayed in a vacation home or condo, they will never go back to staying in a hotel again!

Wouldn’t you just love a buy-to-let with rental returns at higher than average levels, free of maintenance costs and with trouble-free tenants?

It is possible to buy a show home, and lease it back to the developer for a guaranteed rent while the rest of the estate is being built. You can get yourself a buy-to-let mortgage, and earn rent from the developer who will also pay ground rent, insurance and maintenance. Your out-goings will never be smaller on a buy-to-let.

After the developer has finished it is best to sell the property on the open market, and thereby avoid the niggles and hassles of finding and managing a new tenant. An alternative to selling the property after the development is finished is of course for the owner to move in and use it themselves.

Sale and leaseback is a well-kept secret of the property business. To do it you have to buy a show home off-plan. The show home will be the first to be finished on the sire of a larger development with many other homes to come. The developer will agree to rent it back over the period of building the rest of the development, which can be anything from one to three years. The developer – as the tenant – picks up all the outgoings except the mortgages, and the owner has a guaranteed tenant. In addition, they can be sure that this tenant – above all others – will look after the property because they are using it as their major sales tool to sell all other properties on the development. What more could you want? Oh yes, carpets, curtains, fittings and the best of landscaping!

One or two nuisances can accompany the idea. Some lenders refuse to view this as a true buy-to-let, so loans can be harder to come by. There is also the risk that the developer will go bankrupt during the construction phase – but this is a rare occurrence – but it could leave you with a property that is difficult to sell. Show homes are also sometimes fitted with smaller furniture than usual to create a feeling of space.

But all-in-all it sounds like a trouble free buy-to-let investment.

Results from the Big Five banks in the UK last week showed massive profits, with HSBC top of the pile, with a huge £6.9bn profit for the six months to June 2007. They were followed by Royal Bank of Scotland at £5.1bn and Barclays at £4.1bn; all the top high street banks could boast double-digit percentage profit growth.

Despite these apparently impressive figures, shares of UK banks continued their slump alongside banking stocks across Europe and the US. Why? Thanks to the US sub-prime loans crisis.

The crisis in the US is causing concern in the UK for fear it could happen here too. So far UK interest has been focused on the banks’ exposure to doubtful US mortgage lending via tradable Collateralised Debt Obligations. Of UK banks, HSBC has lost most on CDOs.

The problems may really come when the extent to which UK banks are exposed to sub-prime failures in this country.

In the last week the Council of Mortgage Lenders (CML) has reported that 1.1% of mortgage loans have fallen behind since January. Obviously the interest rate rises imposed by the Bank of England have had an impact on whether people can actually afford their mortgages. Although higher than it has been it is by no means a record and in the US the figure is much, much worse: 4.8%.

With sub prime being an issue the use of debt consolidation loans are now starting to become more popular

The CML was concerned enough to withdraw its forecast for arrears so, it said, to be able to properly gauge the impact of the increase of sub-prime lending in the market overall.

Meanwhile, Bear Stearns, the US investment bank at the centre of the crisis in the US has had its credit rating downgraded and US markets slumped in response. The US credit market was said to be as bad as it has been in the last 20 years. Twice before in 2007 Bear Stearns has caused problems in the market, following June’s announcement of fund problems and July’s announcement of problems fur to the sub-prime market.

It remains to be seen what will happen in the UK due to the sub-prime market.

The fight to become greener has caused millions of people to reconsider how they live their lives. It has also caused many of us to question businesses on how they package their goods and in a way credit cards have also come under fire. There are more credit cards around today than there are people. With so much plastic being used and constantly thrown away, consumers are now starting to question just how green this really is.

Now Barclaycard have come up with the idea of using one card for three different purposes. They are set to introduce their new card by the end of 2007 and it is going to be used to pay for travel, purchases and possibly fast food too. This means that you no longer need more than one card to purchase different things. It is definitely a good first step to solving the thousands of wasted cards that are constantly being thrown away as consumers no longer need them. The benefits of having one credit card also includes the reduction of bank charges where one can easily control their own finances.

As well as the way they are made, credit cards are also starting to become greener by offering discount services. Consumers are now pointed in the direction of environmentally friendly services and home improvements too. This is set to help thousands of people to do their bit and install new greener products in their homes. It is one the main problems that people mention when it comes to getting more environmentally friendly products. So now that they can find them and they are at a discount price, consumers are a lot happier.

Overall many people do own more than one credit card for different purposes. That is the reason why there is far more credit cards than there are people in the world. So the introduction of 3-in-1 credit cards should help to reduce the amount of cards that people need and that in turn will help the environment.

Spy Review features gadget reviews, technical articles and opinions covering all aspects of surveillance, counter-surveillance and security devices available in the public sector. You might not be a private detective or security professional; you might just be a spy film or gadget fan! If you’ve ever been curious about the real spy equipment used by law enforcement agencies, then this blog will definitely open your eyes.

From covert spy cameras to lock pick devices, from GPS trackers to bugs hidden in stuffed toys, from encrypted mobile phones to mobile phone surveillance devices… Spy Review even gives you tips on making your own spy gear too!