Lider Chargeback

13/02/2024

"At the real early ages until about the age of 10," says Gould, "you don't really need to worry about score. A lot of parents are forgetting this fun and fundamentals stage."

There are two ways to motivate a kid to play sports, Burnett says.

One negative method is an all-or-nothing approach:"You have to beat the competitor. You are only as good as the competitor you defeat. There is no place for second place."

He suggests an alternate philosophy that motivates kids to participate in sports by getting them to judge their success based on the skills they develop, regardless of outcome.

"Now you're competing against yourself. You focus on the skills," Burnett says. "The top athletes focus on tasks, not on trophies."

Regardless of what type of program you and your children choose, "When all the dust settles," Burnett urges parents, "You need to make sure that when you look at your child, that you relate to your child as a kid first and an athlete second."

13/02/2024

Recent studies conducted at the Michigan State University Institute for the Study of Youth Sports reveal that kids are motivated to play sports by a variety of factors.

"Kids want to have fun, improve their skills, be with their friends, get some physical activity," says Gould. "They like to win, but it's not the top reason nor the only reason."

And while sports have real value for kids, experts caution that children will not just catch the positive effects by showing up for practices or on game day. To reap the benefits of sports, they say that children need to be a part of a youth sports program that promotes mutal respect and encouragement.

"In order to help develop and enhance positive self esteem, a youth sports program must make sure that every kid feels like he or she belongs on the team," Burnett says. "At the recreation level, the real value of sports is that everybody plays."

"Unfortunately, in many situations in America now, in youth sports, and recreational level especially, the less talented kids are being trained to be spectators -- to root for the handful of kids who will be the representative all-stars," he says.

Also, in many leagues, some experts are concerned that the focus is on winning, a team's place in the standings and making it to post-season play.

12/12/2023

25/07/2023

Believe it or not, in 2014, total dealership net profit before tax as a percent of sales was 2.2%, according to the National Automobile Dealers Association. How do they stay in business? That’s simple – they make most of their profits by offering other services, such as auto financing.

So even if you qualify for a low-rate new car loan, don’t think that your dealership’s quote is the best you can do. The truth is, many dealerships pad the interest on car loans — by as much as one percentage point — to boost their profits. You’re better off securing your own financing at your bank. This cuts out the middleman and results in better new car interest rates.

25/07/2023

Do you stay away from new cars because they depreciate as much as 20% in the first year? This is understandable. Besides, no one wants to deal with an upside down car loan.

This concern, however, doesn’t have to stop you from buying the newest model of your favorite car. Not only are new car loan rates cheaper than used car loan rates, but short-term loans can bring you additional savings.

Let’s say you buy a new car with a purchase price of $15,000. With a 72-month term, you might pay a new car rate of 5.74%. Reduce your term to 60 months and the interest rate drops an entire percentage point — that’s nearly $40 a month in savings. Go with a three- or four-year term and the savings continue.

25/07/2023

Maybe you’re looking at used cars because you cannot afford the payment on a new car loan. However, there’s a little fact about new car interest rates: they’re often lower than used cars.

Of course, a lower rate on a new car doesn’t make up for the fact that you’re paying more for this car. Then again, if your credit score is high enough and you qualify for zero percent interest financing, the monthly payment on your new car might be the same (or lower) than a used car.

07/06/2023

It is obvious that this was merely a case of robbing Peter to pay Paul. There was no real clearing up of the outstanding debt. It was the intention of the schemers to make it possible for the financial politicians on the inside to reap the same old harvest by allowing the certificates to be sold to the right parties for ninety or less, setting up the claim that there was no market for them, the credit of the city being bad. To a certain extent this was true. The war was just over. Money was high. Investors could get more than six per cent elsewhere unless the loan was sold at ninety. But there were a few watchful politicians not in the administration, and some newspapers and non-political financiers who, because of the high strain of patriotism existing at the time, insisted that the loan should be sold at par

07/06/2023

Mollenhauer had maintained a subsurface connection with the treasury, but never so close that it could easily be traced. He was too conspicuous a man politically and financially for that. But he was not above a plan, in which Simpson if not Butler shared, of using political and commercial stool-pigeons to bleed the city treasury as much as possible without creating a scandal. In fact, for some years previous to this, various agents had already been employed – Edward Strobik, president of council, Asa Conklin, the then incumbent of the mayor’s chair, Thomas Wycroft, alderman, Jacob Harmon, alderman, and others – to organize dummy companies under various names, whose business it was to deal in those things which the city needed – lumber, stone, steel, iron, cement – a long list – and of course, always at a fat profit to those ultimately behind the dummy companies, so organized. It saved the city the trouble of looking far and wide for honest and reasonable dealers.