Take Care That Payday Loans Don’t Take Control Of Your Finances

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Payday loans might be a excellent resource if you are experiencing an economic emergency as well as your credit rating is less than best. Pay day loans are brief-expression personal loans and most lenders only consider your career, cash flow and balance when deciding if you should approve your loan. In this case, you really should think about cash advance.

Even though there are laws to shield consumers in the predatory practices of payday loan firms, this kind of organizations have discovered approaches to job around these laws. They tack on secret service fees which can be flawlessly legal. This may raise rates approximately 10 times a lot more than the rates of interest of standard financial loans.

Make sure that you learn how, so when you will pay back your loan before you even get it. Possess the personal loan transaction did the trick in your budget for your upcoming spend times. Then you could promise you have to pay the cash back again. If you cannot reimburse it, you will definately get caught up having to pay financing extension cost, on top of further curiosity.

Should you be considering getting a payday advance, make sure that you use a program to obtain it paid off right away. The money organization will offer to “allow you to” and expand the loan, if you can’t pay it off without delay. This extension expenses you with a cost, in addition additional curiosity, thus it does nothing positive for you personally. However, it earns the money organization a good revenue.

Simply because loan companies are making it so simple to get a pay day loan, many people utilize them when they are not in the turmoil or urgent circumstance. This will cause individuals to grow to be secure paying the high rates of interest and whenever a crisis comes up, these are inside a terrible place since they are currently overextended.

When you have to obtain a pay day loan, be sure to read through almost any fine print of the bank loan. If there are charges connected with repaying early, it is perfectly up to anyone to know them in the beginning. If you find nearly anything you do not understand, will not indication.

If you must take out a cash advance, be sure to read through all fine print linked to the financial loan. If there are actually penalty charges linked to paying down early on, it is perfectly up to anyone to know them up front. If there is nearly anything you do not comprehend, will not indicator.

Prior to completing your cash advance, read through all the small print inside the deal. Payday loans can have a great deal of authorized terminology concealed within them, and quite often that lawful terminology is utilized to face mask invisible costs, substantial-listed delayed service fees along with other things which can destroy your finances. Before you sign, be clever and understand specifically what you are signing.

Ensure that you learn how, so when you will repay the loan before you even buy it. Possess the financial loan transaction worked to your finances for your next pay periods. Then you can assure you have to pay the money rear. If you cannot reimburse it, you will definately get stuck paying a loan extension charge, on the top of further fascination.

Try not to count on payday loans to finance your lifestyle. Payday loans are expensive, therefore they should just be useful for emergencies. Pay day loans are merely made to assist you to purchase unanticipated health-related charges, rent payments payments or shopping for groceries, while you hang on for your upcoming monthly paycheck from your employer.

Tend not to get into personal debt which you do not want. Ensure you are not implementing out a pay day loan to be able to shell out another away. You need to give your very best to finish this cycle which may indicate sacrificing a lot of things. This period is not difficult to replicate so make sure to make the hard work to place an end into it. Otherwise, you might be away from lots of money in a small amount of time.

Payday cash loans are generally expected inside of 14 events of taking out the borrowed funds. You might be given a decision to either check out the workplace to pick up the check you published and spend the money for loan off or let the payday loan business office to send the check you authored for your banking institution for settlement.

Don’t disregard the future expenses of having a cash advance. It is actually simple to believe you’re planning to rest out a paycheck and points will likely be okay. Many people shell out double the amount because they lent in the long run. Make sure to shape this unlucky simple fact to your budget.

Only use how much cash which you really need. As an illustration, when you are battling to get rid of your debts, than the funds are clearly necessary. Even so, you should never borrow money for splurging uses, for example eating at restaurants. The high interest rates you will need to pay down the road, is definitely not really worth possessing funds now.

This post ought to have offered you some peace of mind in your difficult financial situation. While payday cash loans can help, you must learn every thing about them. These guidelines can aid you to make well-informed options and keep your finances wholesome at the same time.

Thinking About A Cash Advance? What You Must Know

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Like most financial loans, you have to be informed before getting a payday advance. If you’re not familiar with most of these personal loans, it would be smart to perform some research. You have to know what lays ahead. Continue reading to find out the particulars of payday cash loans.
When seeking to accomplish a payday loan as with any obtain, it is wise to take your time to check around. Different areas have programs that fluctuate on rates, and acceptable kinds of guarantee.Search for that loan that really works to your advantage.
Avoid sliding in a capture with pay day loans. In principle, you might pay the financial loan way back in 1 to 2 several weeks, then move on together with your daily life. In reality, even so, many people cannot afford to pay off the borrowed funds, and also the balance will keep rolling over to their following salary, amassing big amounts of interest throughout the approach. In this instance, some people go into the job exactly where they could never ever manage to repay the borrowed funds.
Do a little seeking before choosing the pay day loan to suit your needs. Various firms could possibly have different delivers. Some may waive costs or have decrease charges. Some services provides you with the funds immediately, although some expect you to hang on a couple of days. By performing your investigation in advance, you ensure that you opt for the financial institution that is right for you.
If you are taking out a payday advance, make sure that you can pay for to cover it rear inside of one or two months. Payday loans ought to be utilized only in crisis situations, whenever you truly have no other options. When you take out a payday advance, and are unable to shell out it rear right away, 2 things come about. First, you need to spend a payment to hold re-stretching out your loan up until you can pay it off. Secondly, you retain getting billed a lot more fascination.
Use caution moving around any sort of cash advance. Frequently, individuals feel that they may pay out about the adhering to pay period, however their bank loan winds up receiving larger and bigger until finally they are kept with very little dollars coming in from the income. They can be found within a period where they cannot pay out it rear.
Read the fine print prior to getting any loans.
It is recommended to take care of a pay day loan company who offers direct down payment. With straight put in, you have to have your hard earned dollars in the end of the after that business day. This is a handy solution so that you can keep the funds risk-free instead of threat dropping it.
Seek information just before getting a cash advance to ensure you’re ready and know what’s in store. Don’t just leap with the first financial loan or company you see. Look closely at rates as well as other aspects to find out which financial institution to choose.
Never ever depend on pay day loans to get you income to salary. Should you be going through stress about your shelling out or cash advance behavior, look for assistance from credit counseling companies. A number of people have gotten to file personal bankruptcy as a consequence of these lending options. Only take out a pay day loan as a last resort.
When you are experiencing troubles repaying your payday loan, allow the loan company know at the earliest opportunity. These creditors are employed to this example. They could assist you to definitely create an ongoing payment alternative. If, as an alternative, you overlook the lender, you can find your self in collections before you know it.
Usually do not acquire additional money than you can afford to pay back. Before you apply for the payday loan, you need to see how much cash you will be able to repay, as an example by borrowing a amount that your following paycheck will take care of. Be sure to make up the monthly interest too.
Tend not to obtain more money than within your budget to pay back. Before applying for the pay day loan, you need to work out how much money it is possible to repay, as an illustration by credit a amount of money that the following paycheck covers. Be sure you account for the monthly interest way too.
As stated at first from the write-up, many people have been receiving payday loans more, and more currently to survive. If you are interested in buying one, it is important that you know the ins, and out of them. This article has offered you some crucial payday advance assistance.

What You Have To Know About Relation To A Payday Loan

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If you feel tension as a result of funds problems, require a deeply inhale. Pay day loans could be what you should get over those economic obstacles. There are some points to consider before you run out and obtain financing. This short article will assist you in making the proper choice for your circumstance.

There is an large quantity of cash advance businesses that are wanting to bank loan you money. If you wish to purchase a pay day loan, undertaking plenty of research on the company is recommended. The Greater Organization Bureau and also other consumer organizations can supply critiques and data about the trustworthiness of the individual businesses. Look on the internet and read critiques left by clients.

An essential thing to bear in mind is that you need to be honest in your program. Revealing is by using an app might seem smart, but it really really comprises illegal scams.

Find out about the firms offering pay day loans in your neighborhood. Tend not to go with the first one you see promoting for. Be sure you have study critiques. Most companies can have poor critiques as a result of faults folks make, however they must have numerous good, sincere reviews also. The full method will probably be refined in the event you utilize a trustworthy business.

While confronting payday creditors, always ask about a payment discounted. Sector insiders show these particular discounted charges can be found, only to individuals that enquire about it get them. Also a marginal discount can save you dollars that you really do not have at the moment anyway. Even when people say no, they might explain other discounts and choices to haggle for the company.

Know that you will be giving the payday loan usage of your own banking info. That is excellent when you see the borrowed funds down payment! Nevertheless, they can also be making withdrawals from your account. Make sure you feel at ease with a company having that kind of entry to your banking account. Know to anticipate that they can use that accessibility.

Think again before taking out a payday advance. Regardless how a lot you imagine you require the money, you must realise that these personal loans are really costly. Needless to say, if you have no other way to place food items about the kitchen table, you need to do whatever you can. Nonetheless, most pay day loans find yourself pricing folks double the amount volume they borrowed, as soon as they spend the money for financial loan away from.

Typically, the common payday loan volume differs between $100, and $1500. It may possibly not appear like a lot of cash to many people shoppers, but this quantity should be repaid in very little time. Normally, the settlement becomes due in 14, to 1 month after the program for money. This can end up operating you shattered, should you be not very careful.

When you are thinking about a payday advance, have good credit score and might additional a couple of days, take into account hunting instead to your interpersonal lending choice. This really is a process which sets individuals and lenders jointly structured off from the requirements. The costs are normally a lot less pricey than the usual cash advance, nevertheless it does take several days to finalize this process.

Only use what you’re optimistic you are able to reimburse down the road. It could be appealing to take out more, but you’ll need to pay even more curiosity on it.

Receiving a payday loan is amazingly simple. Ensure you check out the financial institution with your most-latest pay stubs, so you will be able to get some good money in a short time. If you do not have your the latest pay stubs, you can find it is much harder to have the financial loan and can be denied.

Payday cash loans usually hold extremely high rates of interest, and should simply be employed for emergency situations. Although the interest levels are substantial, these personal loans might be a life saver, if you realise yourself within a bind. These lending options are especially helpful every time a auto breaks down, or an equipment tears up.

Prior to signing a contract for any cash advance, be sure you recognize mentioned agreement. Significant management costs frequently are concealed inside the financial loan deal. It is vital that you know about these fees whenever you sign in the dotted collection or you may maintain warm water if the personal loan repayment arrives.

As documented earlier, financial turmoil will bring tension like few other stuff can. Ideally, this information has presented you together with the important information to produce the proper determination with regards to a pay day loan, as well as to assist oneself out of your finances you are into much better, a lot more productive time!

Pay Day Loans And You Also – Crucial Assistance

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If you’re stressed out over cash and you want a quick solution, there might be a way to loosen up. Receiving a cash advance can assist you in getting away from the jam you happen to be in. However, you have to find out all about them before you apply for one. These suggestions might be valuable.

Payday loan companies know their way around usury laws. Attention disguised as service fees is going to be linked to the personal loans. Consequently, the interest for any payday advance could be huge.

When you are getting your first cash advance, ask for a discounted. Most pay day loan workplaces provide a payment or rate low cost for initial-time consumers. If the location you need to use from will not give a low cost, phone all around. If you realise a discount in other places, the loan spot, you need to pay a visit to will probably complement it to have your company.

In case you are at the same time of obtaining a payday loan, make sure you see the contract meticulously, looking for any concealed fees or important pay-back again information. Usually do not indication the agreement before you completely grasp every little thing. Look for red flags, such as huge charges should you go per day or more over the loan’s thanks day. You could potentially find yourself paying far more than the original loan amount.

Service fees which are tied to payday loans consist of many types of fees. You will have to discover the attention amount, punishment fees and if there are program and finalizing fees. These fees may vary in between diverse loan providers, so be sure you look into distinct creditors prior to signing any agreements.

When using the Online to have a pay day loan, attempt to use right from the lender’s internet site. A lot of sites really exist that accept fiscal information as a way to match you by having an proper loan provider, but such sites carry important threats as well.

Recognize that you are currently offering the payday advance access to your own business banking information and facts. That may be great when you notice the money downpayment! Even so, they can also be creating withdrawals from your bank account. Make sure you feel comfortable by using a company possessing that kind of entry to your banking accounts. Know should be expected that they will use that accessibility.

Costs which can be tied to payday cash loans involve numerous sorts of fees. You need to find out the curiosity volume, charges charges and when there are software and processing fees. These charges will be different between distinct loan companies, so be sure you look into distinct loan providers prior to signing any deals.

Do not allow a loan provider to chat you into by using a new loan to get rid of the balance of your respective past personal debt. You will definitely get caught paying the service fees on not simply the 1st loan, nevertheless the secondly as well. They may rapidly talk you into achieving this time and again until you shell out them over five times what you had initially lent in only charges.

Do not count on online payday loans to finance your way of life. Pay day loans can be very expensive, therefore they ought to simply be utilized for crisis situations. Payday cash loans are merely made to assist you to purchase unforeseen health care monthly bills, hire monthly payments or shopping for groceries, while you wait for your next month to month salary from the workplace.

You could be given the option to obtain additional money than you initially requested, but it might be best if you failed to take that. Businesses that offer lending options try out to help you to borrow far more so they can get money more income in interest and fees. Only obtain just as much as you need.

When you are selecting a organization to acquire a payday advance from, there are various significant things to remember. Make sure the business is signed up with the condition, and follows express rules. You must also seek out any complaints, or judge procedures against each firm. It also adds to their reputation if, they are running a business for a variety of many years.

Online payday loans are an easy way to purchase funds when you need it most. Sound credit history is not necessary, and it is normally easy to get these personal loans fast. Use the knowledge you’ve just read so that you can obtain the cash you need without having concern.

Road Bikes For Sale – How To Choose The Right One For You

Choosing the right road bike can be very confusing when you see how many road bikes for sale there are. So what variables are there when looking at purchasing a road bike? And how do you choose the right one for you?

Lets start with…

Frame and Fork Materials

There are 4 main types of materials used in today’s bicycles. These are:-

Steel: High-quality steel frames integrate great design, superior assembly, and better alloys in the tubing. A popular quality steel for bicycle frames is American SAE 4130 steel, better known as “chrome molybdenum,” and referred to as “chromoly” or “chrome-moly.” Steel is an excellent fork material but is heavier than either aluminium or carbon fibre.

Aluminium: this is the most popular frame material. This magic ride is attributed to aluminum being the lightest frame material – even lighter than carbon and titanium. It makes aluminum frames great choices for racing and time trialing. And, unlike steel, aluminum won’t rust; another advantage.

Titanium:This is one of the longest lasting, strongest, and most expensive frame materials. Many cyclists and experts feel that it combines the best characteristics of all the other frame materials. It rivals aluminum in weight, is as comfortable as steel and it has a sprightly ride and electric handling that many riders swear by. The frames feel “alive,” as if each pedal stroke gets a boost from an inherent springiness in the frame. However they are expensive to produce and will certainly add to the overall road bike sale price.

Carbon Fiber: This is a relatively new material and creates a frame that is light, stiff and durable but is also very expensive due to the manufacturing complexities of carbon fiber. Carbon is a popular material for forks due to its natural ability to absorb shock while offering fine handling. Although, they’re not the best choice for heavy or aggressive riders, there are even all-carbon forks (weighing less than a pound). These are great if you want a superlight road bike and performance is high on your list of priorities.

Road Groups

What is this?? Well a group is comprised of brakes, hubs, chain, cassette, bottom bracket, crank, derailleurs, shifters and headset – basically all of the componentary of brakes and gearing. Shimano and Campagnolo are really the only two companies that sell Road Groups. Each company sells 5 groups ranging from the entry level quality and performance right up to the professional level. So if you see a road bike for sale cheap then ask the question “what quality of road group does it have?”

Tires and Rims

Tires and their rims need to be aerodynamic, durable and lightweight and this all affects the bike’s climbing, acceleration and handling. Box-section rims are lightweight, accelerate quickly, and provide the most comfort whereas aero-shaped rims are stronger, have less wind drag, and are stiffer which means less comfort. The choice of rim will come down to personal preference. So if you are reasonably light and love riding at a leisurely pace on rough pavement then the box -section will be the best choice however if you are heavy set, competitive and ride on smoother pavement then the stiffness of the aero-shaped rims will suit you better.

With tires, essentially the thicker they are the longer they will last,the more they absorb road shock but they will have more friction as there is more tire on the road, so racing styles will always be thinner. So if you are looking at all of the road bikes for sale, then keep all of these variations in mind and decide on what specific features are important to you.

Dirt Bikes For Sale – 5 Things You Should Check Before Purchasing a Dirt Bike

Are you looking for dirt bikes for sale? If this is your first dirt bike then buying a used bike may just be the way to go. You can see if this is something you want to do on an ongoing basis or is it is just a passing phase without spending a great deal of money.

If this is your first dirt bike, or even if you have purchase used dirt bikes before, there are several things you should look for above and beyond the obvious. Obviously you should check any potential purchase over for broken, torn, bent, worn, ripped, scratched, cracks, fractures or loose parts on the bike. But there are five things you should look for in addition:

First, you need to check out the brakes. How worn are they? Are there worn spots where the brake pads touch the bike? Is the front brake line worn out or is it time for it to be replaced? These might not be deal breakers, but they will be expenses you will have to bear, so you at least would want concessions made in the price for these items.

Second off, you should look for leaks. Check the bike over carefully, most particularly on the front fork. Look at the fork seal and check for any runs of oil going down the forks.

Third, check the chassis number on the bike. If the chassis number is scratched and unreadable, the bike is most likely stolen and your don’t want to be a party to that.

Fourth, question the present owner about his or her maintenance schedule. How often was the oil changed and have there been any major repairs. If the seller is asking for a premium price because of major work done on the bike or because of a rebuild, ask for proof the work has been done. Copies of the work orders and receipts should be furnished with any dirt bike sale.

And Fifth, if you are able, take the bike for a test ride. You will be able to tell a great deal about the bike once you’ve ridden it. If you are an inexperienced rider, ask to have the bike inspected by a mechanic or some other professional. They will often be able to see and hear problems a less experienced rider would miss.

Valuable Assistance You Need To Know Prior To Getting A Cash Advance

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As with every other monetary decisions, the choice to take out a cash advance really should not be created without the correct info. Below, you will discover a lot of info that will give you a hand, in arriving at the most effective decision feasible. Keep reading to discover advice, and data about payday loans.

Get in touch with all around and see interest rates and fees. Most payday loan organizations have related service fees and rates, although not all. You may be able to help save 10 or twenty money on your bank loan if an individual firm supplies a reduced monthly interest. If you frequently get these personal loans, the price savings will prove to add up.

Once you get the initial pay day loan, request a low cost. Most cash advance workplaces give you a cost or level lower price for very first-time consumers. In the event the position you would like to acquire from fails to provide a low cost, phone around. If you realise a discount someplace else, the money location, you would like to pay a visit to probably will complement it to obtain your business.

Payday cash loans is one quick strategy to entry cash. It is important, however, that you do your quest and understand what you will be stepping into. These personal loans have high interest rates, and the costs included can cause them to be difficult to repay.

When choosing a payday advance comapny, thoroughly analysis them. It is advisable to ensure the company you decide on is genuine, along with guaranteeing they already have solid guidelines in position for pay back. Discover critiques from earlier individuals, provided you can.

A necessity for several payday cash loans is actually a banking account. Loan providers demand this simply because they use a direct exchange to get their cash as soon as your financial loan will come because of. It will be taken out of your bank account once your salary is settled.

Your credit report is important with regards to payday cash loans. You could continue to be capable of getting a loan, nevertheless it probably will cost you dearly by using a sky-great rate of interest. For those who have great credit rating, payday loan companies will reward you with better interest rates and unique pay back courses.

Should you have complications with previous pay day loans you might have obtained, organizations exist that will offer you some help. Through their free service of negotiation along with your loan company to attain reduced rates of interest, or maybe a loan consolidation of the personal debt, these businesses might help remove you against the borrowed funds routine.

If you want to get a payday advance, the best option is to use from well reliable and well-known lenders and internet sites. These websites have developed an excellent reputation, so you won’t put yourself in danger of giving vulnerable details to some rip-off or less than a good loan provider.

Constantly read through each of the conditions and terms involved in a cash advance. Establish each point of monthly interest, what every achievable fee is and just how very much each is. You desire an emergency bridge financial loan to get you from your present scenarios back to in your toes, however it is simple for these scenarios to snowball around several paychecks.

Besides the pricey costs and interest charges, you should keep in mind that payday cash loans can boost your chance of banking institution overdrafts. 1 poor check out or overdraft will enhance the charge that elements to your payday loan, along with any fees as well as the interest rate you may be having to pay.

When you are considering getting a cash advance, ensure you will have enough cash to repay it within the following 3 weeks. If you will not have enough money to pay your requirements when the loan will come do, consider other alternatives. Simple-term lending options for relatively low amounts of dollars do not possess to be payday cash loans. View option possibilities when you opt for a pay day financial institution.

As noted before, economic turmoil may bring pressure like number of other stuff can. With a little luck, this article has offered you together with the information you need to help make the correct choice about a payday loan, as well as to support your self out of your financial situation you are into better, far more profitable times!

Exercise Bikes For Sale – Buying Online is Your Best Bet

Where do you find the best exercise bikes for sale? If you are tired of wasting time looking at yard sales or have been surprised too many times by the prices that local stores consider “sale” prices, then it is time to take your shopping efforts across the country. Often, the best deal on an exercise bike is not going to happen in your own backyard. You have to expand your horizons and use the internet to your advantage, whether you are looking for a used or new bike.

When it comes to finding a great sale of exercise bikes, the internet is the best way to go. Not only is it convenient because you can do it from the comfort of your own home on your own schedule, but it often allows you to purchase a bike that retails in a price range that normally would retail well out of your budget.

This is why it is important to know about the best bikes on the market before you start shopping online exercise bike sales. Knowing which brands and models will meet your needs and their normal retail prices will help you spot really great deals when you see one. Often, you will be able to find more expensive bikes within the price range you are willing to pay. This means you can have a higher quality bike packed with more advanced features and technology without paying the premium prices they normally retail for.

Shopping an exercise bike sale is just like shopping the ads in the Sunday paper for local retailers. You want to shop around a little and know what is out there before making a final decision. The best sales will jump out at you and outshine all the other sale sites, so sit back and have a little fun seeing how sweet you can make the deal.

When purchasing used exercise bikes for sale, consider looking into the availability of replacement exercise bike parts for that particular brand and specific model before making the purchase. This is a good idea for new bikes as well, especially if the warranty does not cover the parts for more than a year or two.

Finding exercise bikes for sale is not very difficult. With a little looking around and the proper research of the market you could save hundreds of dollars on a high quality bike that will last for years to come.

Online Used Mountain Bike Sales and Purchases

It is not necessary that everyone can afford to buy a brand new mountain bike. You don’t have to be rich or a big spender if you are a mountain bike lover. I know a lot of people who prefer to buy used but in good condition mountain bikes just because they can’t afford to buy a new one or preferred to tryout a used less expensive just to try it out before investing in an expensive top of the line model.

Earlier it was a very tedious job when you had to sell off your old bike or when you needed to buy a used bike. You had to look around and ask a lot of people of put up you ads all over the town to find a buyer. This routine has changed to a more convenient, faster and much better way with the advent of sale and purchase sites on the internet.

If you are interested in buying a used bike just search for used mountain bikes for sale and pick out the nearest one to your home. You will find sites which advertise sellers in your area and even give you a price comparison so that you are not ripped off.

If you want to sell your old bike get registered on anyone of the internet market places and place your add. Any buyer near you will automatically contact you and you get your deal.

This is in my experience the quickest and hassle free method to achieve your goal in the shortest of time.
So let’s say good bye to the old ways of hauling your things out for a garage sale and waiting for a buyer who would surely hassle you with a bargain and price reduction and no chance for anyone coming after dark. But here online you will get buyers 24/7 and only those willing to pay your price will contact you.

How to Completely Blow a Bike Sale

I bought a cheap bike today. It was about $200. I am sure it’s not the greatest bike in the world, but it is new and clean, it has two wheels, a seat and gets me where I am going, which was the whole reason I wanted one in the first place.

To be honest, I don’t know much about the differences between a cheap bike, an average one or an expensive one, other than well… price really. I even checked around online looking for average prices, which were anywhere from $100 to $1000, so I assumed I could find something somewhere in the middle that was good enough.

The problem though was that I had NO IDEA, and still don’t about what exactly a good bike is. I was hoping to find someone to tell me.

So, I decided to go to an actual “bike store” where I expected to find a knowledgeable bicycle salesman who could tell me all about them and sell one to me. That’s why people go to bike stores usually. They are looking to buy a bike and get information about them.

They have a need, (they want a bike) and the bike store has the solution (BIKES!)

Well, so one would think.

The first store we walked in to was this huge, popular specialty bike store with a large selection of high priced models, lots of accessories, what seemed like 3 service desks with lots of tools and people standing around talking about, you guessed it, bikes.

We walked around for a while, checked out some models, noticed some prices, high and low and waited for someone to come and sell one to me.

But they didn’t.

You see I wanted to be sold. I wanted a full service sales experience. I wanted a knowledgeable professional to talk to me and ask me what kind of bike I was looking for and suggest to me the best one.

Oh and I didn’t just need a bike, mind you. I needed a lock too, some reflectors to make it legal, and who knows… maybe there is a whole lot of other related stuff I needed, that I still don’t know if I needed, but since there was nobody around to tell me I needed it, I still don’t have them.

I most definitely would have needed a service agreement, because since I don’t know anything about bikes, if it broke, I would need someone to fix it and I certainly would have been willing to pay for that too.

But I didn’t get that either.

Unfortunately, nobody at the “bike store” thought to ask me if I needed help, and as a result, failed to sell me a bike, at their bike store. So… I walked around the corner to the Wall Mart and bought a cheap one for $200. As I mentioned, it’s an OK bike. At least I think it is…

I couldn’t tell you for sure though, because there was nobody around to tell me so.

I guess I’ll have to go to a bike store and find out. Oh wait…

To summarize, I am always surprised when I hear people describe how hard sales is. To me sales isn’t really so hard as long as sometimes, you are just willing to be there to take a customer’s money.

Sean Earley is an American designer, entrepreneur, blogger, and online marketer currently living in Wiesbaden Germany with his wife and daughter. His current primary focus is interaction design, user experience and user Interface (UI) design for mobile applications and social networking platforms.

When he is not designing amazing products, he is busy writing, playing guitar and dreaming up new online ventures.