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Performance Brokerage Services

Performance Brokerage Services

  Selling your Car Dealership? Let Performance Brokerage Services do the Work! During this time of economic hardship, have you considered what your car dealership might be worth? Have you spent long, sleepless nights thinking about selling your dealership, yet you just don’t know what the first step might be? You aren’t alone. Performance Brokerage Services is a specialized type of brokerage firm. With over twenty years of service, they broker sales between buyers and sellers of car dealerships. As a national business, they are privy to the buyers who will pay top dollar for your dealership, making certain that you are completely satisfied. Performance Brokerage does not require any payment up front. They don’t require any type of retainer or reimbursement costs. They only get paid when you get paid. They have successfully brokered over 400 transactions – yours could be next! Take advantage of the recession…as smaller dealerships struggle, there are larger dealerships waiting to purchase and pay top dollar for your business. You can be assured that the professionals who work with Performance Brokerage Services will partner with you from the first step through the completion of the process. Nothing will be left undone and you can rest assured, knowing that you received the best possible price for your dealership. It’s no secret that this is not the same economy that it was even ten years ago; realizing that the economy is extremely volatile, a different attitude is required when working with purchases and sales that can be complex. Call today and allow the specialists at Performance Brokerage Services to assess your unique needs and begin to discuss the possibilities with you. Because each dealership is entirely different with its own particular qualities, allow them to see it objectively and create a marketing approach for your dealership that will maximize its potential. Where you are located, the demographics that you service, the potential of the business and past sales histories will all be considered and used to tailor a unique sales strategy specific to you. Be assured that, if you are considering the sale of your car dealership, you will receive the finest in quality service and experience from the specialists at Performance Brokerage Services. Go to http://performancebrokerageservices.com/sell-car-dealership/ to learn more. Contact them for a confidential and personal consultation and, when you decide to partner with them, you can rest assured that your business is in the hands of the right service professionals. As they say in their motto, “We know you have a choice. We want to earn your business. We pledge to do it right. Every time, one client at a time!”...

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More Effective Training for More Effective Customer Communication

Communication is not as natural as people think it is. You cannot deny the fact that there are people who have better communication skills than others. In the realm of business, communication skills is highly valued especially for those in industries with high customer contact. Businesses today are fortunate enough to have training and learning systems providers that they can rely on for more effective customer communication training. It is important to realize that merely talking to your customers does not result in effective communication. Listening is half the equation. Without the second part, the communication is lost. Effective communication means saying what you have to say in a manner that is best understood by your customers and then listening to what your customers have to say too. Impact Learning Systems can teach your customer service representatives, call center agents, and other customer contact personnel how to truly communicate with your customers. Their programs are targeted towards improving your customers speaking, listening, and verbal response skills. The value of excellent customer communication should not be taken for granted. There are a lot of various products and services out in the market trying to compete for the same set of customers. In a lot of cases, the final purchase decision boils down to how satisfied the customers are with the way the company representatives communicate with them. One bad experience with an outbound sales representative can mean one lost customer who can spread the word and cause a tens, hundreds, or maybe even thousands of lost customers. What you need is to train your call center agents to truly understand your customers so they can communicate with them more effectively. The result of better customer communication would be a more positive reputation and consequently a more profitable business. Not all training programs are designed the same way. What you want to look for is a training program for call center management that actively engages your employees rather than one where participants are mere receivers of information. The Making It Happen System trains your managers, supervisors, and team leaders to cascade the culture of communication to the front-line representatives. More than just a temporary fix, this program results in a more long term cultural change that is imbibed in all members of the team. This program is the perfect solution for businesses, call centers, and other companies that aim to improve the way their employees communicate with their...

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The Best Way to Contact an Insurance Agent

The Best Way to Contact an Insurance Agent

  If you need to get in touch with your insurance agent in Columbia, it is important to know what the best way to get in touch with him or her really is. You want to know this ahead of time because you are usually experiencing some sort of an emergency when you try to contact the agent – like a car accident or a home invasion – and you do not have much time to think. If you already have ways to get in contact with the agent, you can simply react, and the insurance company can help you take care of the situation. Call for Emergencies For most real emergencies, that need to be addressed right away, the best option is just to call. You do not want to call the main line for your insurance company, though. You want to call the agent’s cell phone. He can then listen to your case, tell you what to do next and refer you to the claims department. Since he has worked with you in the past and he knows your policy better than anyone else, he will be able to help you make the right decision going forward; contacting someone at the main insurance company is not going to get you these same results, though you may end up calling an adjuster eventually. Email Your Questions If you just have questions about your policy in general, you can always email your agent. Insurance agents do tend to be rather busy, so sending them an email allows them to respond when they have time. Your question is probably not urgent, but just something that you want to know for general reference – how to increase the amount of home insurance coverage on your jewelry, for example. It is important to ask, but it does not make a difference if you do not get your answer for 24 hours. The nice thing about emailing your agent is that it typically takes far less than 24 hours to get a response. Most agents carry their smartphones with them wherever they go, and they get alerts as soon as the emails come in. They will often check up on your question and respond right away. If the agent is in a meeting, though, he can just get to the email when it is done. This also allows you to ask questions after standard business hours....

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Earn Bucks Under Loyalty Programs

Earn Bucks Under Loyalty Programs

  There are many websites that offer coupons, money, and points when signing up to forward the agenda of a sponsored site. Free games and surveys can also provide small rewards for spending countless hours in front of a screen. Take all of these qualities, minus the hard work, replace with fun, and be rewarded with useful gifts. Choices of no involvement or becoming totally emerged in online loyalty programs, is possible with experienced and skilled networks. By partnering with consumer companies, social networking, and market research, amazing opportunities unfold to individuals that are looking for variety, fun and excitement. Games that offer points just for playing, shopping at favorite stores, interacting with companies that need a consumer’s opinion, or surfing the web, can become a great way to get rewards. Gift cards to popular stores, regular sweepstakes, and playing the lottery, keeps customers returning to find out what they have won. It has never been easier to save money for that special treat or to gamble a little without putting up hard earned cash. Reward programs by companies like Swag-Bucks, have been in the business for a long time and know what consumers like. Shopping online, searching the web, and playing games is something that most people do online. Why not make some extra cash by using a quality firm that knows the ropes and delivers what they promise? Online stores like Amazon, eBay, Target, and WalMart, are enticing and special deals are always sought after. Save the time in searching each one and gain big discounts by letting rewards present savings. When other people are scraping for ways to save and using lay-away, the merchandise can be available to those on a loyalty program. Good loyalty programs can offer a variety of earning bucks with new ideas in fun and saving money, each and every day. Discover places where real value is displayed, check out games, watch interesting videos, and share opinions. Learn more here, like how loyalty programs should never ask for money. Beware of those wanting a charge card number, bank account information, or signed contracts. There are safe and practical ways to save money, plus enjoy the visit. Check out the features of one of these programs today and start having fun for free, and more....

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Unlocking Cash from Dormant Assets

Unlocking Cash from Dormant Assets

  With today’s still volatile stock market, many investors are leery about losing additional funds that are earmarked for retirement. This is especially the case for those who need their money now for current income or other pressing needs. Although the market may eventually come back to its previous highs, many people who are retired or nearing retirement simply don’t have the time to recoup lost assets – leaving them with a financial gap. In these cases, a life insurance settlement could offer a good opportunity to make up for some or all of their lost funds. What are Life Insurance Settlements? A life insurance settlement refers to the sale of an unneeded life insurance policy. In these types of transactions, a qualifying policy holder is given a lump sum of cash in return for transferring the ownership rights of their life insurance proceeds to a third party. This shouldn’t be confused with simply cancelling and cashing out of the policy. Rather, the sum that is received by the policy holder is typically calculated as a percentage of the policy’s death benefit – netting them, in most cases, a much higher amount than the cash value within the policy itself. How Do Life Insurance Settlements Work? In a life settlement transaction, a third party buyer will essentially become the new beneficiary of the policy and will also continue making the premium payments. At the time that the insured passes away, the purchaser of the policy will receive the death benefit proceeds. In most instances, the seller of the life insurance policy must be at least 65 years of age, and buyers usually require a minimum face amount on the policy. Typically, the insured must also have some type of adverse health condition, as well as meet certain projected life expectancy requirements. With this in mind, a life settlement may be a great alternative to purchasing long-term care insurance should a health issue preclude you from obtaining that type of coverage. Advantages of Selling Your Life Insurance Policy There are a variety of reasons why selling your life insurance policy may make sense – especially if you no longer need the coverage. First, it is likely that you will reap a higher benefit through a life settlement transaction that you would by simply cashing out of the policy by cancelling it. Other reasons to consider a life settlement may include: Funds are needed for medical expenses The beneficiary of the policy no longer needs the funds that the coverage provided Retirement assets have been lost due to a market downturn and the funds need to be replaced A key person in a business has retired...

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It’s no Overnight Success

It’s no Overnight Success

  A lot of people who are just getting into investing make the mistake of thinking that they can jump right into it and make a lot of money in a short amount of time. They want to put their money into the next big company to surge forward from an unknown to a powerhouse. There are the classic stories about people investing just a little money into a company like Apple, for example, and then becoming millionaires with no work at all. They think that this is what will happen to them, even if they have never invested a cent before. The reality of the situation, though, is that experience is very important when it comes to investing. Most people do not make all of their money right away, without doing any work. The stock market should not be viewed as a way to get rich quickly. Is such a thing possible? Of course it is. However, it is definitely not the norm. Just a fraction of a percent of all of the people who are working with investments are able to get these kinds of returns. The vast majority are never going to see that kind of success. For instance, just take a look at a Peter Briger CNBC article, and you will see a number of important things. First, you will notice that Briger has had a lot of success, forming his own company and making quite a bit of money. Next, you will see that this took decades to accomplish. He holds a pair of degrees, which means that he spent at least more than half of a decade just going to school. After that, he spent 15 years working for another company. He then formed his own company, which has been in business now for years in its own right. This is not success that came to him all at once. He has put his whole life into this business. He took the time to get the education that he knew that he needed. He then went out and got real-world experience that was probably, in many ways, more important than even his education. He learned the ropes. He asked questions. He talked to people who had been doing it for years. Even after all of that, he put years into getting his own company to run the way that he wanted it to run. Most people who are now interested in the idea of investing look at someone like Briger as a success story. They want that same success for themselves, and they think that stocks are the way to do it. They may be right, but what...

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Equipping Kids with Credit Card Basics

Equipping Kids with Credit Card Basics

  Managing personal finances is a life skill that can be honed as early as childhood. Teaching kids about the value of money and how to use it responsibly can hopefully prevent them from getting into debt problems in their adulthood. However, parents should also take into consideration that credit cards are also becoming a popular tool for purchase. In fact, a lot of people use their credit cards for shopping instead of paying in cash. It is but logical to include the mechanics of credit card in your child’s finance education. In this manner, they will be more likely to use it responsibly when they get old enough to have one. Some adults get into serious debt troubles because of their credit cards. The first thing that parents should do before introducing credit cards to their kids is to ensure that they have a strong grasp of money management. Start working with actual cash and savings so they can have concrete images of money being spent or saved. One of the dangers of using credit card or cashless transaction is that some people only realize that they are short on cash when the bill arrives. And when one doesn’t pay in full, they incur interest that accumulates until the full balance is paid in full. This means that they end up paying more that what their purchases are worth. Kids need to understand that using the credit card is just like spending their own money. They should only buy what they can afford to pay with their available funds. One way to do this is to show them how you use your own credit card. For instance, get them involved on your credit card usage for the month. You may limit the spending on household or food expenses so that the kids won’t be too overwhelmed with it. This means setting a budget on your purchases, keeping track of the charges, and paying off the full amount on or before the due date. Going through the process together makes it easier to understand. Children with a good understanding of how the credit card works are more likely to take advantage of the benefits that they offer rather than splurge on it and get into financial trouble. But even though your child is already equipped to handle his or her own credit card, parents should still be there to watch over their spending and provide guidance if necessary at least until they are old enough to earn a living....

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Enjoy Retirement to the Fullest with Simple Joys in Life

Enjoy Retirement to the Fullest with Simple Joys in Life

  The transition from work life to retirement can be difficult even for those who have already accepted that they have to give up their career some time in their senior years. A lot of people who have worked hard for most of their lives often find themselves at a loss on what to do when it is time to retire. Planning for this stage in life early on can help people cope with letting go of their careers and enjoying their golden years. After setting aside some nest egg for retirement, one can start exploring options on what to do when they retire. 1. Find a hobby you love. Giving up one’s job is similar to losing a part of one’s identity. However, this shouldn’t stop anyone from filling this void with other things that they love to do. It can be as simple as reviving an old hobby that you had to let go because of your busy schedule or trying out something new and interesting. 2. Reactivate ties. One of the best ways to spend your free time is to enjoy them with your loved ones. Spend weekends with your children and grandkids for quality bonding moments, and some weekdays reconnecting with old friends or school chums who are most probably retired just like you. 3. Fulfill your bucket list. It is never too late to do things that you’ve always wanted to do. People who love to set goals and accomplish targets in their job can still have the same fulfillment in their workplace by coming up with their bucket list for retirement. Goals can be as grand as travelling to an exotic vacation spot or as trivial as completing a 1,000 piece puzzle in record time. Those who want to enjoy retirement at their fullest need to start putting-up their savings while they are at the peak of their careers. A good investment can ensure that they have more than enough funds to cover both basic needs and recreational needs when they retire. There are a lot of leisure activities that one can pursue in their senior years, but often times it’s the simple joys in life that makes retirement worthwhile. Keeping oneself physically and mentally fit by pursuing fulfilling activities and bonding with friends and loved ones is a good example for enjoying retirement to the fullest....

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Putting Your Inheritance to Good Use

Putting Your Inheritance to Good Use

  Your parents have done whatever they can in order to give you a good education and to raise you to become who you are now. In some cultures, children are allowed to become independent and to fend for themselves at a certain age. There are some cultures, however, where parents opt to still provide financial support until the adult child is able to secure suitable employment. Whatever the case is, whatever assets parents have accumulated throughout their lifetime are often left to their children or their immediate kin. You might come across some amount of inheritance from your grandparents or other close relatives as well. If you do become a beneficiary of an inheritance, you have to put it to good use. It’s the best way that you can show gratitude and honor the legacy of whoever it is who passed it on to you. Assuming that you have paid all the dues on your inheritance like estate taxes, inheritance taxes, and income taxes, your next step would be to determine what to do with your newly acquired fortune. This depends on how much you have on your hands. Whatever you decide to do, never use the money to splurge on luxury items and other frivolities. Resist the urge to upgrade your lifestyle unless your inheritance is in the billions. Your immediate concern should be how you can make the money work for you. Before the inheritance came, you were surviving with the income that you are getting. There is no reason why you cannot keep on living on the same income after the inheritance. Of course, you want to improve your standard of living. You simply have to be patient enough to wait for your inheritance money to start bringing you passive income. This happens when you invest your money wisely. You can opt to put up your own business or invest the money in financial instruments that are projected to give you a stream of income within a certain time frame. When you spend your inheritance wisely, you can preserve the legacy of your parents or whoever it was that gave it to you. You can even pass the same legacy, or maybe even more, to the next generation when you leave a sizeable inheritance to your children....

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How to Effectively be a Real Estate Agent

How to Effectively be a Real Estate Agent

  A successful real estate agent locates prospects who want to buy or sell real property. On behalf of each client, the real estate agent facilitates the process of qualifying prospective candidates who want to either purchase or sell property. The day to day activities of a real estate agent involve showing homes, assisting clients with completing contracts, setting up property inspections and doing market analyses. A successful real estate agent utilizes effective marketing strategies and marketing campaigns to become marketable and retain satisfied clients. A real estate agent always seeks to build his or her career to improve his or her market knowledge, and advance to higher career stages. Many of the top real estate agents in each state have built their businesses by developing long-term relationships with clients, which also help to acquire leads for new prospects. Developing long-term business relationships derive from the implementation of a proven and successful business plan, which involves setting a target market, reviewing the market conditions and creating a timeline for spending and deriving profits. It also incorporates maintaining a mailing list and staying in contact with former clients. A real estate agent’s mailing list may include a wide variety of individuals in addition to past and former clients, such as friends, relatives, neighbors, prior co-workers, tenants, business associates and more. A top real estate agent also maintains long-term business relationships with key vendors in the real estate industry, such as lenders, real estate attorneys, insurance agents, title companies and accountants. The housing market is currently experiencing a full recovery. This is the best time for prospective homeowners to purchase and sell properties. Real estate agents are listing and selling properties quickly. Because of the booming housing market, it is also a great time for real estate investors to purchase profit-making properties. At AgentHarvest, real estate agents with a successful track record have an opportunity to continue building their business by becoming an AgentHarvest Elite Agent. Individuals and businesses can also connect with AgentHarvest to locate the best real estate agents in their local areas. Whether you intend to sell, purchase or lease a property, you will find qualified and hand-picked agents at http://www.agentharvest.com/find-agent.html....

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For Richer and For Poorer: Discussing Money Matters Before You Say “I Do”

For Richer and For Poorer: Discussing Money Matters Before You Say “I Do”

  A person’s financial status is often a touchy matter. This is especially so when a person has a number of skeletons in his closet involving bad financial management and money issues. When two people get married, their finances inevitably get intertwined as well. Even if they choose to keep separate financial affairs, the legalities of marriage put these matters into another light. They often become jointly liable for the financial obligations of the other. Most marriages actually fall apart because of these issues. To keep things in perspective, it is important for the couple to discuss their financial status before the tie the knot. This is not necessarily done to count apples but merely to complete the picture of who the person they are marrying is. Someone who is not financially responsible might not be ready to take the plunge into wedded bliss. In this case, it’s better to find out early on in the relationship than later when things get murky and the family might be involved. Financial compatibility should be part of your criteria for marriage. Marrying someone you are not financially compatible with will only spell trouble. This does not mean that you should be of the same social status or have equal balances in your savings accounts. This has to do with money principles and financial management practices. Do you save regularly or at least understand the importance of saving regularly? Do you often spend big bucks on important items without considering your other expenses? How do you view loans? How do you handle financial setbacks? These are just some of the questions that each individual will have to answer. You and your fiancé will have to know what and how much you are willing to do to keep the future family’s finances in order. If there are differences in your beliefs about money, saving, and spending, you have to find out how you can compromise. If you are not willing to budge on your credit card swiping habits and future spouse does not tolerate the use of credit, you have a lot to talk about. Discussing money matters before the wedding, just like everything else that concerns your life together with your fiancé, should not be confrontational. It should not be a talk about uncovering something that he’s been hiding from you all along. It’s about how the two of you can come to an understanding about how you will build and manage your family’s financial resources. This is one of the foundations of your life together. You have to make sure that it is strong enough to hold your family together for years to come....

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A Penny a Day: Saving for the Future Starts Today

A Penny a Day:  Saving for the Future Starts Today

  The biggest mistake that people can make is to procrastinate on starting a savings plan.  This is most applicable to students who rely on their parents for financial support.  Even those who are already able to work on-the-side do so to have money for specific spending needs rather than to have a little more money to save.  The savings perspective of ‘save before you spend’ can be followed by students too.  When they get their allowance from their parents, they can already set aside a small amount for their savings.  Through time, the small amounts they regularly save will accumulate to a bigger amount.  This takes a lot of discipline to successfully pull off, however.  A few sacrifices will also have to be made.  These should not at all be viewed as deterrents to saving.  These should be minor concerns that should easily be brushed aside when the importance of setting up a savings fund is realized. There will always be financial needs today and in the future.  What is uncertain is the availability of funds to cover these needs.  What young students have working for them is time.  They have more time ahead of them to prepare for whatever financial needs might come.  But, the time they have on their hands will be wasted if they do not start saving now.  Saving for the future starts today – not tomorrow or some other time when they have more money to spare.  No matter how small their allowance is, encourage them to regularly set aside a fixed amount to go to their savings account. A young student can start with feeding his piggy bank with coins.  Parents can opt to give their children’s allowance in small bills or in coins so he can easily set aside a portion for savings.  This is a good way to teach younger children to save.  For older children, opening a bank account and making a monthly deposit is a good practice.  This can be followed by students in their college years as well.  If they have jobs, they can allocate a certain percentage of their earnings towards their savings account. Students have to be disciplined enough not to touch their savings for any reason.  It is not likely, anyway, for these students to have a huge financial emergency at this time in their lives.  The future holds much more for these students in terms of opportunities and challenges.  Starting a savings plan gives them the resources they might need in the future to take advantage of what life has to offer....

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Energy Saving Tips for Using Computers

Energy Saving Tips for Using Computers

  One of the most widely used appliance or gadget in the house is perhaps the computer. Almost every member of the family has a need to use it for work, errands, or leisure. As such, they are likely to consume a lot of power. With a few conscious efforts from each computer user, the household can cut down on their electricity costs and take care of their computer at the same time. Here are some quick tips for forming energy saving habits in computer use. 1.       Take advantage of the power management features built in the computer. Most computer operating systems today are equipped with power saving options in the control panel. This feature enables the users to set time frames for automatically turning off monitor or hard drives when the computer is idle. 2.       Enable devices only when needed. Bluetooth, Wi-Fi, and other built in devices also consume power when enabled. Since these devices are not always necessary when using the computer, disabling them when not in use is a practical way to save on energy. 3.       Decrease brightness level of laptop or desktop monitors. The brighter the screen the more energy is consumed. Check your screen options for luminance in order to adjust brightness settings. Text and internet modes usually have dimmer settings than sports and gaming. 4.       Turn off computer or monitor when not in use. Most people leave their screen savers on when the computer is in idle mode, but they don’t really save on energy. The best option is still to turn off the monitor if you plan to leave the computer for 20 minutes or more. After all it only takes a push of a button to get it back on without affecting the active programs. If it takes you more than two hours to get back to work on your computer then it is more practical to turn off the computer. Contrary to old myths, turning it on and off doesn’t consume more power nor reduce its lifetime. 5.       Look for energy efficient products in upgrading or replacing your computer. The latest hard drive versions and monitor models are better equipped for saving on energy like modern LCD screens for instance. Those that bear the seal of energy star are popular option for power conscious users. The rising cost of commodities prompt homemakers to take on some practical habits that help them save on expenses in every way they can. A simple way to help save on cost, and save the environment as well, is for the household to adapt energy saving habits in using the computer....

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The Power of Numbers: Cutting Down on Leisure Expenses with Group Buying Sites

The Power of Numbers: Cutting Down on Leisure Expenses with Group Buying Sites

When people have tight finances, leisure expenses are the first ones to get cut off in the budget allocation. We often have to forego entertainment and leisure for everyday essentials. With group buying sites like Groupon, you do not have to make such a sacrifice anymore. Deals on spa treatments, beach vacations, hotel accommodations, and airfare among others are made much more affordable in these websites. At up to 70%-90% discount, these deals will definitely fit your budget. The merchants offering these deals are able to offer such huge discounts because they are assured of selling a pre-agreed number of units or packages. The deal is made between the merchants and the group buying site. Once the target number has been achieved, the deal is closed. If, on the other hand, the deal does not reach its target number of sales within the offer period, the deal is called off. To take advantage of these deals, there are several things that you have to keep in mind. 1. Check the merchant or retailer. Always take the time to get to know where the offers are coming from. It is not the group buying website that will deliver the final product or service. The website merely negotiates group deals and opens them to the members of their website. You still have to ensure that the merchant or retailer offering the deals are legitimate and will honor the group deal that you buy. 2. Read the fine print. These group deals often have specific requirements for you to avail of the discounts. For vacation packages, for example, most of these deals specify periods during which you can use your group deal voucher. In most cases, these periods are during off-peak seasons. The fine print will also tell you about expiration dates, maximum allowable vouchers, and other applicable restrictions. 3. Share your deals. As mentioned above, some deals that do not reach the required number of purchases do not push through. If you see a deal that you really want, you can put in a little word-of-mouth promotion and share the deals with friends and contacts in your social network. When you do this, you increase the chances of filling up the required number of purchases – make sure that you purchase your deal first or it could get sold out before you get your voucher. As with all purchases, online or offline, always set a budget so you don’t get carried away availing of all the great deals. These group buying sites should save you money and not put you in debt....

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