This one is exciting. I currently drive a Dodge Grand Caravan and I have a very high monthly payment for 2 reasons. 1 - my credit rating. 2 - I traded in a car that had a loan on it when I purchased the van. They had to roll the rest of that loan into my new loan.
Anyway, about two weeks ago I said to myself, "I don't want this van anymore. I owe more on it than what it's worth and I want smaller loan payments".
Well, I got this letter in the mail and I figured it was a marketing letter or a letter from a collection agency, another story, and I started to throw it away. The letter had already been sitting in my mailbox for a couple of days because I deemed it junk/stress mail.
I was about to throw it away on Saturday, April 14 but then I thought I had better open it and see what the collections agency wanted. I was surprised! It was a letter from my dealer. They wanted to buy back my existing van and sell me a either a new or pre-owned vehicle. I was excited but a bit skeptical. I had received letters like this in the past and when I called they told me not to come in. That I didn't qualify.
Well, I called the dealership anyway and I was told me to come on down! I took everything out of my van and rushed down to the dealership about an hour later, spoke to a sales rep, the finance person, signed a few papers, gave them no money and walked away.
Today I received a voicemail. The dealership was able to work out the financing! They are putting me into a NEW car/van. They will cut my payments by 1. lowering my interest rate (my credit has been repaired) and 2. by paying down my existing loan both through the trade in value of the old vehicle and also by using up to 14K in rebates and incentives.
Wow!
So here's my story:
I will receive a brand new vehicle paying $0 down, my car note payments will be reduced by at least $100 a month and I will owe less than the value of the new vehicle (in my current scenaio, I owe more)
I will keep you posted.
Tuesday, 17 April 2012
Monday, 16 April 2012
My First Story
My auto insurance is due to expire on April 26. I received a letter from my current carrier on April 3, stating my policy was changed. They gave me a higher deductible and and a higher insurance policy rate. In addition, they requested that I pay the amount in full by April 26. What was the amount? A little over $3,500. I freaked out! I did not have that kind of money!!!
I was the one who put myself in this predicament. Long story short, I filed too many claims in a short period of time and got put into the high risk category.... most of the claims were for scrapes my car has received in the parkade under my condo complex.
So, I called my insurance company and I wailed and complained and they turned a deaf ear. They even told me, "good luck finding something better".
I called my bank and tried to purchase auto insurance through them. They wanted even more money, over $4,000 for less coverage and again, I had to pay it in one lump sum by April 26.
Friday the 13th of April, I checked my mailbox. In the mailbox was a letter from a bank in which I have a checking account that has a $5.63 balance. The letter was about auto insurance! They gave a toll free number to call if your auto insurance was expiring in less than 30 days. They have insurance brokers who could shop around and get you the best policy to suit your needs. Well, a ton of bricks did not have to fall on me for me to realize that I should call them!
I called and spoke to a young man who was very nice. I told him my situation. He did a preliminary search and he found an insurance company that he said might take me on. He gave me a quote but, he said it wasn't firm. He said he had to submit everything to them and he'd call me on Monday with the final offer. I asked him what did he think my chances were? He told me that truthfully he thought I would get a policy but with some revisions like a higher deductible and less coverage. Higher deductible!!!! We were already looking at a $1,000 deductible. Sheesh!
This was Friday night, April 13, 2012. Well, I sat down and I wrote my story and here it is:
I will receive a call from the insurance broker on Monday. He will tell me he found an insurance company that was willing to give me a policy. They will offer me a policy with some type of revision, either a higher monthly payment or a higher deductible. However, I would receive the same coverage as I would have if I stuck with my original insurance provider and they will give me the option to pay montly instead of forcing me to pay in one lump sum. The insurance company will also provide home insurance so that I can drop my condo insurance with my current insurance carrier and receive a 10% discount on my monthly payments. My monthly payment will be the same as the monthly payments I would have had to pay with my current insurance provider, if they would offer me a monthly payment option.
I told myself this story until I felt good about it. Then I put it out of my mind.
Well, Monday rolls around...I receive a call from the insurance broker!
He found an insurance carrier. They offered me the same coverage as my current carrier, same deductible everything. This new company offers home insurance! So, I can get a 10% discount on both the auto and home insurance if I purchase both through them. The policy is $200 more expensive than my current insurance carrier. However, with the 10% discount, it's $200 cheaper. And...wait for it... they offer a MONTHLY PAYMENT plan. Yipee!
Well, again, a ton of bricks didn't have to fall on me. I signed up for the auto insurance. (I will wait for the condo insurance to expire before I switch).
It's amazing! I told a different story and got almost exactly what I asked for.
I was the one who put myself in this predicament. Long story short, I filed too many claims in a short period of time and got put into the high risk category.... most of the claims were for scrapes my car has received in the parkade under my condo complex.
So, I called my insurance company and I wailed and complained and they turned a deaf ear. They even told me, "good luck finding something better".
I called my bank and tried to purchase auto insurance through them. They wanted even more money, over $4,000 for less coverage and again, I had to pay it in one lump sum by April 26.
Friday the 13th of April, I checked my mailbox. In the mailbox was a letter from a bank in which I have a checking account that has a $5.63 balance. The letter was about auto insurance! They gave a toll free number to call if your auto insurance was expiring in less than 30 days. They have insurance brokers who could shop around and get you the best policy to suit your needs. Well, a ton of bricks did not have to fall on me for me to realize that I should call them!
I called and spoke to a young man who was very nice. I told him my situation. He did a preliminary search and he found an insurance company that he said might take me on. He gave me a quote but, he said it wasn't firm. He said he had to submit everything to them and he'd call me on Monday with the final offer. I asked him what did he think my chances were? He told me that truthfully he thought I would get a policy but with some revisions like a higher deductible and less coverage. Higher deductible!!!! We were already looking at a $1,000 deductible. Sheesh!
This was Friday night, April 13, 2012. Well, I sat down and I wrote my story and here it is:
I will receive a call from the insurance broker on Monday. He will tell me he found an insurance company that was willing to give me a policy. They will offer me a policy with some type of revision, either a higher monthly payment or a higher deductible. However, I would receive the same coverage as I would have if I stuck with my original insurance provider and they will give me the option to pay montly instead of forcing me to pay in one lump sum. The insurance company will also provide home insurance so that I can drop my condo insurance with my current insurance carrier and receive a 10% discount on my monthly payments. My monthly payment will be the same as the monthly payments I would have had to pay with my current insurance provider, if they would offer me a monthly payment option.
I told myself this story until I felt good about it. Then I put it out of my mind.
Well, Monday rolls around...I receive a call from the insurance broker!
He found an insurance carrier. They offered me the same coverage as my current carrier, same deductible everything. This new company offers home insurance! So, I can get a 10% discount on both the auto and home insurance if I purchase both through them. The policy is $200 more expensive than my current insurance carrier. However, with the 10% discount, it's $200 cheaper. And...wait for it... they offer a MONTHLY PAYMENT plan. Yipee!
Well, again, a ton of bricks didn't have to fall on me. I signed up for the auto insurance. (I will wait for the condo insurance to expire before I switch).
It's amazing! I told a different story and got almost exactly what I asked for.
Why I started this blog
About three years ago I was so frustrated with my life. I kept feeling like nothing was going my way. I kept praying and asking for things and never receiving them and I didn't understand why. It was then I went to a local bookstore and "by chance" found this book, "Ask and You Shall Receive" I purchased it of course because I was frustrated with asking and not receiving. Well, I read the book and couldn't get past a certain aspect. It seems the author of the book is an entity, called Abraham, speaking through a woman named Esther Hicks. I couldn't get past that. It seemed so freaky to me. I put the book away.
However, the book kept reappearing. When I was most frustrated, I'd suddenly "find the book" while I was searching for something else.
I started reading it again and Abraham's teachings started to make sense to me but, I couldn't or wouldn't grasp their full meaning. My life started getting worse and worse and worse. How? Well, for one thing, I started earning more money than I had ever earned in my life and yet I was falling deeper and deeper into debt. My house was a shabbles. It was smelly and dirty and messy. My work was going down the tubes fast and I had no, love life! It seemed the harder I worked to get out of debt the worst things would get.
I finally got to a point where I said, I don't want this anymore. I need help! Help me!
I found a series of books all saying the same thing...and then, I came back to Abraham Hicks... This time I learned about the Vortex. Of course Abraham was talking about the Vortex years ago. I just never listened. I had ears but did not hear.
Apparently, it's when we are in the Vortex that we can ask and what we ask for we shall receive. What helps me to get into the Vortex? Telling a different story.
So, that's what this blog is all about, me documenting the different stories I tell and also documenting the results.
However, the book kept reappearing. When I was most frustrated, I'd suddenly "find the book" while I was searching for something else.
I started reading it again and Abraham's teachings started to make sense to me but, I couldn't or wouldn't grasp their full meaning. My life started getting worse and worse and worse. How? Well, for one thing, I started earning more money than I had ever earned in my life and yet I was falling deeper and deeper into debt. My house was a shabbles. It was smelly and dirty and messy. My work was going down the tubes fast and I had no, love life! It seemed the harder I worked to get out of debt the worst things would get.
I finally got to a point where I said, I don't want this anymore. I need help! Help me!
I found a series of books all saying the same thing...and then, I came back to Abraham Hicks... This time I learned about the Vortex. Of course Abraham was talking about the Vortex years ago. I just never listened. I had ears but did not hear.
Apparently, it's when we are in the Vortex that we can ask and what we ask for we shall receive. What helps me to get into the Vortex? Telling a different story.
So, that's what this blog is all about, me documenting the different stories I tell and also documenting the results.
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