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WANT ADS

I need to cancel the ad we had for the 1940 Chris Craft barrelback. The boat has been sold. Thank you so much. I had numerous calls from all over the states. Your website is great! D. D.

Please remove my ad for the 65 Thompson in Port Townsend. I sold it for the asking price. Thanks so much. I sold it to a guy in Florida who flew out and is towing it home as I write!I don t think you can get much farther away from Port Townsend WA than Miami FL, but there you go.Keep up the good work.R.F

Please remove my ad. I have received numerous calls, and did purchase a 1957 Century. Great web site. Good bunch of enthusiasts! C.J.

Please remove my ad. I have sold the boat for cash and buyer even paid me a tip when he picked it up. Great site, thanx. D.B.

A Load O’ New Ads posted on Dec. 9, 2016.

Please Note!
New ads are posted to the end of each section and old ads are deleted from the beginning at each update.
Pat Ford-Webmaster-Antique and Classic Boat Society, Pacific Northwest Chapter

Please be aware of scammers that prowl online classified ads. They are typically from West Africa, but any overseas contact bears careful scrutiny. Contact me if you are unsure.

For sale 1940 Chris-craft 42′ DCEB, Lower hour twin Nissan diesels, burns only about 2GPH at 8kt cruise. Generator with only 30 hours use. Boat is in fresh water covered moorage in Lake Washington. Flying bridge was added in 1957 Many up dates. $33,000 May trade for smaller trailer boat. 7-15-2009 206-920-7172

1955 century resorter w/trailer, she has all crome plus orignal spot light. 185 hp gray marine with dual down draft carbs.hull in goog shape. rear deck needs repair, she needs a good restoration.sell for $4500.00 OBO serious buyers may call me at 585-733-9856.

flor sale 1967 14 ft. v botttom alum. with 10 hsp. johnson motor, two, 4 gal. pressure tanks 1994 trailer, all in top condition. best offer over $900.00 lawandareeves.centurytel.net

Dorsett Catalina 1961 16′ Johnson Super sea Horse 75HP 50% interior soft transom. $1500 OBO Mesa Colorado 970-948-4672

For sale: 1948 Lyman Islander project. Completely disassembled. Inteior and windshield have been refinished. Most chrome has been replated. Engine has not been run in years. The hull has been flipped, stipped and is ready for finishing. Minimal wood repairs required. Asking $3,000. Call 419-215-4350 for more information. December 2, 2010

1957 18ft. Century Resorter. $2,000.00 This boat needs to be finished. A full restoration was started but not completed. The boat is available now. Located on Portage Bay Seattle. 2,000 $ will take all including trailer. phone 206-632-7888 Peter or Steve.

For Sale: 1957 Sparkman and Stephens 42-ft centreboard yawl Fairwyn built by McGruer on the Clyde. In excellent condition and fully equipped for ocean cruising. VAT paid and presently lying in the Mediterranean. Full details at http://www.sandemanyachtcompany.co.uk

For sale or trade 1958 Ancarrow 20 foot utility, project boat. I have restored the bright work frames and structure. Now in top shape. But I am missing a motor. ( A nice 283 Chevy would do nicely). Willing to sell ( $2500.00) or consider trade for a smaller boat. Trailer and various orginal parts available.Located in Kingston Ontario Canada. Email me for photos. 613-239-0333

1947 22ft Chris-Craft U-22 Sportsman. Very original, extensive revovation 2003, matching numbers Chrysler Crown. This is a solid original northern fresh water boat that has had good owners, proper care and little use. She is in great shape and ready for 2013. Vermont 12/20/12

1941 16ft CC Deluxe Runabout. New 5200 bottom, new sides and deck, restored original engine with stainless valves and hardened seats. Hull # 57117. $35,000.00. Jim Carr, 360 832-4293.

1958 16ft Skagit Skimaster. Sound hull, nice custom upholstery, good running 4-stroke Bearcat 55 and cool vintage trailer. We haven t used the boat very often recently. $2,000.00 with motor, $1,400 without – OBO. Dick Dow, 425 868-0921.

Classic 1964 Restored Lone Star 15 ft Aluminum Beauty. New Upholstery that is a new kind of Marine Vinyl that stays cooler in the sun. New redwood flooring with a marine grade coating. 40 HP Evinrude motor that has been gone through by a local professional boat mechanic. Garage stored, Asking best price over $6,900.00 or best offer. Hours of attention to detail with a metal etching primer after it was stripped to the metal. Trailer has new tires and paint. Located in Wichita Falls TX. will consider transporting for a fee. Photos can be seen at https://www.facebook.com/annette.mcneil/media_set?set=a.10151867750519733.769409732 type=3

1963 aristocraft boat 4 cylinder outboard gas/oil mix need batt best offer 770-905-0300 This boat was bought new in 1963 it has leather dash. mirror, horn seats 4 plus fiberglass. must move asap on a trailer ready to go

1955 Chrysler Marine Hemi M-44-S, 270 cu. In. 155 hp, 1:1 gearbox, LH rotation, 2 bbl carb, 12 volt. Complete, operational unit in good condition, ready to install, with mounts, 1 coupling, risers, factory manual and spares. Runs strong. Last used on Chelan at 2011 Mahogany Merlot event. Can demonstrate on cradle. Best Offer. Tom Carlin, 425 318-2119.

Complete Vintage 1957 Graymarine 100 Flathead 6 Priced to sell asking $300.00 or best offer! This is a complete engine that is in real good condition. Also comes with the in/out box. Also have many extra parts i.e. (2) Starters – (2) Heads – (1) Exhaust Manifold – (1) Fuel Pump – (1) Carburetor PLUS a few more extras! Located in Antioch, Ca Contact Number 925-238-4038 Asking $350,00 OBO

1931 Dee Wite Runabout 22′. Chrysler M48S straight eight engine. Recent restoration. West System bottom, all hardware rechromed, new upholstery, Iva Lite. Excellent condition. Comes with 2006 Trail Rite tandem trailer. $39,900. Paul 503 472-4625 OR

Classic Red, 1960, Merc 400, kiekhaefer, 4 cyl, 40 HP, long/s with original owners manual. Runs good, electric start. Have original control cables, but need work. $650
Jack, at 360-348-1398. Lake Stevens, Wa. Near Everett Wa.

Wanted: Windshield or Frame for 1955-57 Chris Craft Capri or Cobra. Windshield has curved sides and is

We are a manufacturer of metal products in China,We mainly produce marine equipments as windlass,winch, capstain, anchor ,chain,marine hardware,motors and so on in China ,if you are interested. pls click our website www.yd-metal.com our products quality and price must satisfy you.

1979 Chev C-30 Crew Cab Dually. Unknown miles, but recent transmission rebuild, good tires, new brakes, new battery, great for work, towing or restore it! I ve used it for the past 17 years. These can tow just about anything. Someone out there needs this truck! $2,500.00 OBO. Dick Dow, 425 868-0921.

Dickinson diesel stove/heater combination with all accessories venting, pumps, etc. – buyer removes unit. $475.00. Bob Schrader, 206 790-649

I have tons of vintage new stock rub rail in all different styles and sizes in 12� and 16� lengths. I know that I don�t have any more 1/2 inch. I am happy to text pictures if you are looking for something specific. 360-708-5170

We have a 1958 32ft CC Commander and are looking for any bullnose 1950�s Cabin Cruiser boats that are being parted out or anyone that has loose parts or accessories. We are looking for (2) specific items right now, a folding mast and new horns. 206-367-7606


How to Roll Over a 401k into an IRA? #401k, #401k #rollover, #ira #rollover, #roth #ira, #traditional #iras


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How to Roll Over a 401k into an IRA?

How to Roll Over a 401k into an IRA?

If you’re covered under a 401k plan at work, odds are you will do a 401k Rollover sometime during your working career. Why? Most people change jobs at least once during their working years. A lot people change jobs a number of times. Once you change jobs, you will be faced with the decision of doing a 401k rollover into an IRA. Or, you might have the decision made for you by your former employer. Rollovers are easy if you give some thought to setting up the right type of IRA, and doing the transfer correctly.

Why Roll Over Your 401k into an IRA?

There are two main reasons why you should roll your 401k balance when you leave an employer:

1. When you leave a company, and therefore no longer an active participant in the 401k, many plans state that you have to move your 401k plan somewhere else. They do this to save money. If you’re not an employee any more, why should they incur the administrative expense of having to track your 401k balance? While there are rules allowing you to keep to your balance in the plan, most companies do everything possible to encourage you to transfer your account elsewhere. If you join a new Company that has a 401k plan, you can move your balance into the new plan.

2. If your new company has no 401k plan, or if you simply want to, you can move your 401k assets into an IRA. The advantage of doing this is that an IRA gives you much more investment flexibility – you can invest in almost anything you want. In a 401k, you are limited to the funds offered by the plan sponsor.

The theory of income tax is pretty easy. If you earn money, it will be taxed, either now or later – but it will be taxed at some point. There are some loopholes, but in general, the theory holds true.

Regular 401k – Pre Tax

You may have a regular 401k at a former employer to which you contributed and your employer put in matching funds. This is considered a regular Pre-tax 401k plan that most people know about.

Employer Matching Contributions – Tax status is easy. Your employer adds money to your 401k on your behalf, and it doesn’t show up on your W-2. Since you haven’t been taxed on the money yet, you get hit with tax whenever you withdraw funds.

Your contributions – I always hear that people make “tax deductible contributions” to their 401k. This is technically wrong, though the thought is right. The amount you contribute to a 401k reduces the amount of salary shown on your W-2 each year. Since your salary is less, you pay less in income taxes. You don’t “deduct” the contribution from your taxes. The contributions reduce the amount of salary subject to tax – which is a bit different, but has the same general effect.

The bottom line is that your Regular 401k contributions have a tax status of Pre-Tax or “yet to be taxed dollars”. They have not been taxed, and will not be taxed until you withdraw money from the 401k. The IRS is very patient – they will wait for 30-40 years to get their tax cut of your money. But in the end, they always get their cut. Remember this point since it governs everything that happens in IRA rollovers or conversions.

Roth 401K

The Roth 401k is the new guy on the block. Starting in 2006, your employer was able to add a Roth option to your 401k plan. Essentially, you were/are given the option of electing how your contributions would be considered for tax purposes. You could continue to put in money, get a tax break and have your money taxed when you withdraw it (Regular 401k – Pre Tax). Or you make contributions after-tax, get no tax break, but have all money come out tax free when you retire (Roth 401k – After-Tax).

Again, remember the tax status of your contributions, either Pre-Tax Regular 401k or After-Tax Roth 401k contributions, as we move on to rolling over your account to an IRA.

What type of IRA Can I Open?

There are two types of IRA’s:

Traditional IRA – this is your normal IRA where you received a tax break on any money you put in, and get taxed when you take the money out at retirement. Tax status of money in a Traditional IRA is similar to a Regular 401k. Your contributions aren’t taxed until you withdraw the money.

Roth IRA – here you put in after-tax dollars, and when you retire, all withdrawals are received tax free. The tax status of your contributions is the same as in a Roth 401k – you put in after tax money and will get withdrawals tax free.

Why do I make a big deal of Tax Status? When you do a rollover of your 401k money into an IRA, the tax status needs to remain the same, unless you are willing to pay taxes as though you made a withdrawal.

If you want to make a tax free rollover:

• A regular Pre-Tax 401k must be rolled into a Traditional IRA
• An After-Tax Roth 401k must be rolled into a Roth IRA

These moves preserve the tax status of the money. Your regular 401k money and your Traditional IRA money will all be taxable when you eventually take the money out. Your Roth 401k money and your Roth IRA money has already been taxed and will eventually come out tax free.

You might have heard about Roth IRA conversions, in which people roll their money form a Regular 401k or a Traditional IRA into a Roth IRA. This is done to change the tax status of money and involves paying income taxes now, at the time of conversion. There are good reasons for doing this, and the subject is discussed in What is a Roth IRA Conversion and How Does it Work?

In this article, I am assuming you want to move your 401k into an IRA and not pay any income taxes until you retire or withdraw your money later on.

How to Move Your 401k into an IRA without it Being Taxable

It’s pretty easy to rollover your 401k into an IRA.

• When you open an IRA account, whether you choose a Roth or Traditional depends upon the tax status of your 401k money. So if you are in a Regular 401k, open a Traditional IRA. If you are in a Roth 401k, open a Roth IRA.

If you are moving Cash from the 401k, you can open the IRA anywhere you want – bank (for a savings account or CDs), Brokerage Firm (if you want to invest in securities), or Mutual Fund Company (to invest in funds).

If you are moving company stock from your 401k, you need to open the IRA at a Brokerage Firm who can accept securities. Read: Choosing the Right Manager for Roth or Traditional IRA Investments

• Fill out the forms at your former employer telling them to move the assets directly into your new IRA.

*** Do NOT have your employer cut you a check so that you can deposit it into the new IRA. Have it sent directly to your IRA account. ***

If your employer makes the check out to you, they are obligated to withhold 20% of the amount, and submit this to the IRS. You would get the money refunded when your income taxes are filed for the year. However, the IRA Withdrawal Rules are strict, and say that IRA funds must be deposited within 60 days or you will have a penalty of 10% plus whatever other taxes are due. So, you will have to make up for the 20% out of your own pocket to fully fund the new IRA within 60 days. If you don’t have this large amount lying around in a savings account, you will be penalized 10% on the 20% that went to the IRS as though you had withdrawn the money early.

So, be sure to tell your former employer to move your 401k assets directly to your new IRA provider so that no tax withholding is necessary. This will prevent the above problem.

If your former employer refuses to make a direct transfer, and will only cut you a check, tell the employer to make out the check to your new IRA provider with the notation “investment for John Doe 401k rollover…” This will stop you from being able to deposit the check in your checking account. Simply send the check to your new IRA provider since it is made out to them.

• Check with your new IRA provider that the funds were received and put in the correct account. Money does get side tracked sometimes, and you don’t want to find out in 6 months that the money never arrived.

A 401k Rollover is easy if…

As you can see, the process is very easy. Your new IRA provider will handle most of the transfer aspects. Your former employer will be glad to get rid of your account.

The process is easy IF you put in the necessary thought before the transfer .Ensure the rollover is going in an account with the same tax status. Make sure you don’t get your hands on the money during the process. Confirm the money ended up in the right place.

Thanks a ton for your post. I d prefer to say that the price of
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there are so many different facets which give rise to the
overall cost. Such as, the model and make of the vehicle will have a huge bearing on
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Dealership Internet Departments vs. Traditional Car Buying #auto #refinance #rates


#internet auto sales
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Dealership Internet Departments vs. Traditional Car Buying

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There are two entrances to today’s car dealership.

In the traditional entrance, a customer walks onto the car lot, is approached by a salesman, hears the sales pitch and then hashes out a deal in a sales office.

The other entrance is a virtual one and leads to the dealership’s Internet department. Once car buyers have test-driven and chosen a car, they can do the rest of the deal (including financing and negotiating) online or over the phone by using the Internet department. In some cases, a dealer will even deliver the car to the buyer’s home or office. This helps buyers avoid delays and extra sales pitches in the dealership finance and insurance office.

Which of these two paths to new car ownership results in a lower price for the consumer? And which will be the more pleasant buying experience? It’s the Internet path. Hands down.

I’ve used car dealership Internet departments for more than a dozen years in buying cars for my family, my friends and for Edmunds’ long-term testing fleet. Frankly, I’m amazed that the Internet department still remains something of a secret.

What Is the Internet Department?

In the 1990s, Web sites such as Edmunds.com began publishing invoice prices for cars, taking away what had been a powerful bargaining strategy for dealerships: the consumer’s lack of knowledge about car pricing. Dealerships then began to cater to this new breed of informed shopper by creating Internet departments. By working through Internet departments, shoppers could get price quotes by e-mail or with a phone call.

“Internet department” is a bit of a misnomer. Car buyers can’t click an “Internet Department” button on a Web site and have a car delivered to their driveway. The name comes from the fact that shoppers do research via the Internet and use e-mail for much of the communication about the car purchase.

Who Is the Internet Salesperson?

Car salespeople in Internet departments typically have different sales incentives and so behave differently from traditional car salespeople. Car dealership Internet departments focus on selling a higher volume of cars rather than on maximizing profit on each individual. Therefore, the initial price quote from an Internet sales manager is often very close to the absolute lowest selling price for a given vehicle.

Internet department salespeople also assume car buyers are informed, have shopped around and won’t necessarily “buy today.” More importantly, they are willing to give specific prices on actual cars in an e-mail or over the telephone. Recently, Edmunds.com has taken this approach one step further by creating a new program called Price Promise SM. which posts guaranteed, up-front prices for specific cars online.

Firsthand Experience

Edmunds editors have used car dealership Internet departments many times to buy cars for our long-term test fleet. It consistently saves us time and money.

In one case, we searched online for the car we wanted, e-mailed the dealership’s Internet department and got this response: “I have the car on my lot. Your preferred Internet price is $27,417 plus tax and license. Let me know how you would like to proceed.”

We compared the price quote to the Edmunds.com True Market Value (TMV ) price and saw that it was even lower than TMV. We bought the car at that price and the saleswoman delivered it to our offices, where we signed the sales contract. After we finalized the paperwork, we asked the saleswoman if we could have gotten a better deal on a new car if we just walked onto the dealership lot.

“I would never walk onto a lot to buy a car,” she replied. “I don’t want to go through all the hassle.” We took that as a no.

Besides that, she said, her dealership’s traditional sales team typically starts negotiations by trying to sell the car at sticker price. Plus, they try to make more money on the back end through higher finance charges, she said. In the Internet department, she said, “We are straightforward and disclose everything. Nothing is pushed onto a client.”

Another Internet salesperson, in Pasadena, California, described her sales approach this way: “I like to be up-front with all my customers. I show them all the numbers. I don’t try to hide things or put extras into the contract at the last minute. I don’t want any misunderstandings.”

How Much Does the Internet Save?

As an experiment, I decided to try both the traditional and Internet sales processes on the same vehicle. After walking onto a car lot and test-driving a new car, I requested a written price quote. The salesman escorted me into a sales office, where he wrote my name, phone number and address on a “four-square” worksheet. which is used to negotiate the four elements of a typical car deal.

I repeated my request for a written price quote, but didn’t get one. Soon, Paul, the assistant sales manager appeared. After an opening sales pitch that extolled the virtues of the car, he said, “What if we could discount it by $500?”

After more discussion and a trip to see his manager, Paul said he might be able to get a $999 discount if I bought the car that day. I left, even though Paul became increasingly insistent that I stay and work out a deal. Had I hung around to complete the purchase, it appeared that I might have been able to buy the car for $19,810.

The next morning, I phoned the Internet manager at the same dealership and asked for a price on the car I had test-driven the day before. “Let me look that up for you,” he said. A minute later, he was back. “Our price is $19,310.”

When I asked if there were additional fees, he said, “I can fax you all the fees and your out-the-door cost if you like.” This pleasant three-minute phone call got me a price that was $500 below the vague price quoted by the traditional sales department.

Advantages of the Traditional Way?

While the Internet approach clearly offers advantages to many consumers, some buyers are still more comfortable buying the traditional way of physically going to the car lot. There, a car salesperson greets the customer personally and leads them through the buying process. This is good for a person who wants the salesperson’s recommendations on selection of the right model and features, a face-to-face sales pitch and some hand holding during the buying process. If the salesperson truly is an expert in the car’s features, this approach can be helpful. The buyer just needs to have done his price homework to ensure the deal is a fair one.

At some dealerships, however, the salespeople employ a variety of tactics to excite buyers, hurry them toward a commitment to buy and then sell cars to them at the highest price. Other dealerships are more straightforward and skip the high-pressure plays.

Internet vs. Traditional Car Shopping: The Bottom Line

It’s difficult to accurately quantify the savings you can get by using a car dealership’s Internet department. But it’s safe to say the price will nearly always be lower than the price you’ll be quoted if you walk onto the car lot assuming you can even get a definite price, not a vague promise of what the discount might be.

There’s no question that using the Internet department saves time and stress. When buyers are shopping in person at a dealership, they run the risk of making costly, spur-of-the-moment decisions on financing or additional products, such as extended warranties. Working via the Internet department minimizes that risk. It also is good for people who don’t have an appetite for negotiations.

By using the Internet as the front door to a car purchase, a buyer makes more informed decisions. There is time to consider all the possibilities in a relaxed atmosphere, away from the distracting lure of new-car smell.


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6 Facts About Transpersonal Psychology

I don t remember learning about transpersonal psychology in my clinical psych program. (With all that reading and lack of sleep. it s also possible I just missed that lesson.) So I was intrigued when I recently came across the term, and decided to do some digging.

In the Foreword of The Textbook of Transpersonal Psychiatry and Psychology . writer Ken Wilber defines “transpersonal” as “personal plus.” He explains that transpersonal work integrates both personal psychology and psychiatry but then “adds those deeper or higher aspects of human experience that transcend the ordinary and the average—experiences that are, in other words, ‘transpersonal’ or ‘more than personal,’ personal plus.”

It turns out that transpersonal psychology focuses on the spiritual. Bruce W. Scotton, M.D. one of the editors of the book, describes “spiritual” as “the realm of the human spirit, that part of humanity that is not limited to bodily experience.”

The British Psychological Society also acknowledges the central emphasis on spirituality in transpersonal psychology :

Transpersonal Psychology might loosely be called the psychology of spirituality and of those areas of the human mind which search for higher meanings in life, and which move beyond the limited boundaries of the ego to access an enhanced capacity for wisdom, creativity, unconditional love and compassion. It honors the existence of transpersonal experiences, and is concerned with their meaning for the individual and with their effect upon behavior.

According to the Institute of Transpersonal Psychology (which is a private graduate school founded in 1975):

Traditional psychology is interested in a continuum of human experience and behavior ranging from severe dysfunction, mental and emotional illness at one end, to what is generally considered normal , healthy behavior at the other end and various degrees of normal and maladjustment in between. While an exact definition of Transpersonal Psychology is the subject of debate, Transpersonal Psychology is a full spectrum psychology that encompasses all of this and then goes beyond it by adding a serious scholarly interest in the immanent and transcendent dimensions of human experience: exceptional human functioning, experiences, performances and achievements, true genius, the nature and meaning of deep religious and mystical experiences, non-ordinary states of consciousness, and how we might foster the fulfillment of our highest potentials as human beings.

Transpersonal psychology combines a variety of approaches in psychology, including behaviorism, cognitive psychology and humanistic psychology, along with other disciplines, including Eastern and Western philosophy, mysticism, mindfulness and the world’s religions.

Below are six other facts about transpersonal psychology, from the therapist’s role in psychotherapy to transpersonal psychology’s history as a field.

1. Transpersonal psychology doesn’t have specific tools or methods.

“Transpersonal psychotherapy is rooted in an ideology and a basic humility that operates behind the scenes,” said psychotherapist, author and teacher Jeffrey Sumber. “It is less about a particular tool or methodology and more about an intention that motivates the intervention,” he said.

2. Relationships in transpersonal psychology are key.

According to Sumber, “Transpersonal Psychology is an approach to understanding the way our minds operate through our relationships with others, resting in the belief that there is something bigger and deeper in the space between which operates upon us.”

The relationship between client and therapist is just as important as the client’s other relationships. “… The space between therapist and client is as sacred and transformative as that space between the client and their issues, their families and friends, etc.,” he said.

And both people change as a result of this relationship. As Sumber writes on his website, “…in order for positive change to occur for the client, it must also occur for the therapist on some level, by and through the bonds of our relationship.”

3. The therapist isn’t viewed as the expert.

Rather, the therapist is “the facilitator [who] assist[s] the client in uncovering their own truth and their own process,” Sumber said. “The only room for expertise is the therapists ability to reflect the client’s own truth back to them with as little of the therapist’s own baggage as possible,” he added.

4. Transpersonal psychology doesn t judge others experiences.

Sumber said that transpersonal psychology also is based on the belief that the “client and the therapist both have their own experiences and neither is right, wrong, correct or incorrect, healthy or unhealthy.”

“If a client brings an experience into therapy that makes me uncomfortable, I have the ability to look at my own discomfort and work on it and I can even disclose it to the client if that is appropriate.”

5. Various well-known psychologists pioneered transpersonal psychology.

According to The Institute of Transpersonal Psychology, William James, Carl Jung and Abraham Maslow are just a few of the psychologists that played a role in pioneering transpersonal psychology. (Find out more about each psychologist here .)

In fact, William James was the first to use the term “transpersonal” in a 1905 lecture, according to The Textbook of Transpersonal Psychiatry and Psychology, and he’s referred to as the founder of modern transpersonal psychology and psychiatry. As psychologist Eugene Taylor, Ph.D, writes in the book:

He was the first to use the term transpersonal in an English-language context and the first to articulate a scientific study of consciousness within a framework of evolutionary biology. He experimented with psychoactive substances to observe their effects on his own consciousness and was a pioneer in founding the field that is now called parapsychology. He helped to cultivate modern interest in dissociated states, multiple personality. and theories of the subconscious. He explored the field of comparative religion and was probably the first American psychologist to establish relationships with or to influence a number of Asian meditation teachers. He also pioneered in writing about the psychology of mystical experience.

6. Transpersonal psychology emerged as a field in the late 1960s.

According to the article “Brief History of Transpersonal Psychology” written by one of transpersonal psychology’s founders, psychiatrist Stanislav Grof, in the International Journal of Transpersonal Studies:

In 1967, a small working group including Abraham Maslow, Anthony Sutich, Stanislav Grof, James Fadiman, Miles Vich, and Sonya Margulies met in Menlo Park, California, with the purpose of creating a new psychology that would honor the entire spectrum of human experience, including various non-ordinary states of consciousness. During these discussions, Maslow and Sutich accepted Grof’s suggestion and named the new discipline “transpersonal psychology.” This term replaced their own original name “transhumanistic,” or “reaching beyond humanistic concerns.” Soon after- wards, they launched the Association of Transpersonal Psychology (ATP), and started the Journal of Transpersonal Psychology. Several years later, in 1975, Robert Frager founded the (California) Institute of Transpersonal Psychology in Palo Alto, which has remained at the cutting edge of transpersonal education, research, and therapy for more than three decades. The International Transpersonal Association was launched in 1978 by myself, as its founding president, and Michael Murphy and Richard Price, founders of Esalen Institute.

(You can find the full-text here. along with other pieces on transpersonal psychology written by Stanislav Grof.)

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about transpersonal psychology?

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Dealership Internet Departments vs. Traditional Car Buying #canada #auto #parts


#internet auto sales
#

Dealership Internet Departments vs. Traditional Car Buying

1 of 3

There are two entrances to today’s car dealership.

In the traditional entrance, a customer walks onto the car lot, is approached by a salesman, hears the sales pitch and then hashes out a deal in a sales office.

The other entrance is a virtual one and leads to the dealership’s Internet department. Once car buyers have test-driven and chosen a car, they can do the rest of the deal (including financing and negotiating) online or over the phone by using the Internet department. In some cases, a dealer will even deliver the car to the buyer’s home or office. This helps buyers avoid delays and extra sales pitches in the dealership finance and insurance office.

Which of these two paths to new car ownership results in a lower price for the consumer? And which will be the more pleasant buying experience? It’s the Internet path. Hands down.

I’ve used car dealership Internet departments for more than a dozen years in buying cars for my family, my friends and for Edmunds’ long-term testing fleet. Frankly, I’m amazed that the Internet department still remains something of a secret.

What Is the Internet Department?

In the 1990s, Web sites such as Edmunds.com began publishing invoice prices for cars, taking away what had been a powerful bargaining strategy for dealerships: the consumer’s lack of knowledge about car pricing. Dealerships then began to cater to this new breed of informed shopper by creating Internet departments. By working through Internet departments, shoppers could get price quotes by e-mail or with a phone call.

“Internet department” is a bit of a misnomer. Car buyers can’t click an “Internet Department” button on a Web site and have a car delivered to their driveway. The name comes from the fact that shoppers do research via the Internet and use e-mail for much of the communication about the car purchase.

Who Is the Internet Salesperson?

Car salespeople in Internet departments typically have different sales incentives and so behave differently from traditional car salespeople. Car dealership Internet departments focus on selling a higher volume of cars rather than on maximizing profit on each individual. Therefore, the initial price quote from an Internet sales manager is often very close to the absolute lowest selling price for a given vehicle.

Internet department salespeople also assume car buyers are informed, have shopped around and won’t necessarily “buy today.” More importantly, they are willing to give specific prices on actual cars in an e-mail or over the telephone. Recently, Edmunds.com has taken this approach one step further by creating a new program called Price Promise SM. which posts guaranteed, up-front prices for specific cars online.

Firsthand Experience

Edmunds editors have used car dealership Internet departments many times to buy cars for our long-term test fleet. It consistently saves us time and money.

In one case, we searched online for the car we wanted, e-mailed the dealership’s Internet department and got this response: “I have the car on my lot. Your preferred Internet price is $27,417 plus tax and license. Let me know how you would like to proceed.”

We compared the price quote to the Edmunds.com True Market Value (TMV ) price and saw that it was even lower than TMV. We bought the car at that price and the saleswoman delivered it to our offices, where we signed the sales contract. After we finalized the paperwork, we asked the saleswoman if we could have gotten a better deal on a new car if we just walked onto the dealership lot.

“I would never walk onto a lot to buy a car,” she replied. “I don’t want to go through all the hassle.” We took that as a no.

Besides that, she said, her dealership’s traditional sales team typically starts negotiations by trying to sell the car at sticker price. Plus, they try to make more money on the back end through higher finance charges, she said. In the Internet department, she said, “We are straightforward and disclose everything. Nothing is pushed onto a client.”

Another Internet salesperson, in Pasadena, California, described her sales approach this way: “I like to be up-front with all my customers. I show them all the numbers. I don’t try to hide things or put extras into the contract at the last minute. I don’t want any misunderstandings.”

How Much Does the Internet Save?

As an experiment, I decided to try both the traditional and Internet sales processes on the same vehicle. After walking onto a car lot and test-driving a new car, I requested a written price quote. The salesman escorted me into a sales office, where he wrote my name, phone number and address on a “four-square” worksheet. which is used to negotiate the four elements of a typical car deal.

I repeated my request for a written price quote, but didn’t get one. Soon, Paul, the assistant sales manager appeared. After an opening sales pitch that extolled the virtues of the car, he said, “What if we could discount it by $500?”

After more discussion and a trip to see his manager, Paul said he might be able to get a $999 discount if I bought the car that day. I left, even though Paul became increasingly insistent that I stay and work out a deal. Had I hung around to complete the purchase, it appeared that I might have been able to buy the car for $19,810.

The next morning, I phoned the Internet manager at the same dealership and asked for a price on the car I had test-driven the day before. “Let me look that up for you,” he said. A minute later, he was back. “Our price is $19,310.”

When I asked if there were additional fees, he said, “I can fax you all the fees and your out-the-door cost if you like.” This pleasant three-minute phone call got me a price that was $500 below the vague price quoted by the traditional sales department.

Advantages of the Traditional Way?

While the Internet approach clearly offers advantages to many consumers, some buyers are still more comfortable buying the traditional way of physically going to the car lot. There, a car salesperson greets the customer personally and leads them through the buying process. This is good for a person who wants the salesperson’s recommendations on selection of the right model and features, a face-to-face sales pitch and some hand holding during the buying process. If the salesperson truly is an expert in the car’s features, this approach can be helpful. The buyer just needs to have done his price homework to ensure the deal is a fair one.

At some dealerships, however, the salespeople employ a variety of tactics to excite buyers, hurry them toward a commitment to buy and then sell cars to them at the highest price. Other dealerships are more straightforward and skip the high-pressure plays.

Internet vs. Traditional Car Shopping: The Bottom Line

It’s difficult to accurately quantify the savings you can get by using a car dealership’s Internet department. But it’s safe to say the price will nearly always be lower than the price you’ll be quoted if you walk onto the car lot assuming you can even get a definite price, not a vague promise of what the discount might be.

There’s no question that using the Internet department saves time and stress. When buyers are shopping in person at a dealership, they run the risk of making costly, spur-of-the-moment decisions on financing or additional products, such as extended warranties. Working via the Internet department minimizes that risk. It also is good for people who don’t have an appetite for negotiations.

By using the Internet as the front door to a car purchase, a buyer makes more informed decisions. There is time to consider all the possibilities in a relaxed atmosphere, away from the distracting lure of new-car smell.


Dealership Internet Departments vs. Traditional Car Buying #best #auto #loan #rates


#internet auto sales
#

Dealership Internet Departments vs. Traditional Car Buying

1 of 3

There are two entrances to today’s car dealership.

In the traditional entrance, a customer walks onto the car lot, is approached by a salesman, hears the sales pitch and then hashes out a deal in a sales office.

The other entrance is a virtual one and leads to the dealership’s Internet department. Once car buyers have test-driven and chosen a car, they can do the rest of the deal (including financing and negotiating) online or over the phone by using the Internet department. In some cases, a dealer will even deliver the car to the buyer’s home or office. This helps buyers avoid delays and extra sales pitches in the dealership finance and insurance office.

Which of these two paths to new car ownership results in a lower price for the consumer? And which will be the more pleasant buying experience? It’s the Internet path. Hands down.

I’ve used car dealership Internet departments for more than a dozen years in buying cars for my family, my friends and for Edmunds’ long-term testing fleet. Frankly, I’m amazed that the Internet department still remains something of a secret.

What Is the Internet Department?

In the 1990s, Web sites such as Edmunds.com began publishing invoice prices for cars, taking away what had been a powerful bargaining strategy for dealerships: the consumer’s lack of knowledge about car pricing. Dealerships then began to cater to this new breed of informed shopper by creating Internet departments. By working through Internet departments, shoppers could get price quotes by e-mail or with a phone call.

“Internet department” is a bit of a misnomer. Car buyers can’t click an “Internet Department” button on a Web site and have a car delivered to their driveway. The name comes from the fact that shoppers do research via the Internet and use e-mail for much of the communication about the car purchase.

Who Is the Internet Salesperson?

Car salespeople in Internet departments typically have different sales incentives and so behave differently from traditional car salespeople. Car dealership Internet departments focus on selling a higher volume of cars rather than on maximizing profit on each individual. Therefore, the initial price quote from an Internet sales manager is often very close to the absolute lowest selling price for a given vehicle.

Internet department salespeople also assume car buyers are informed, have shopped around and won’t necessarily “buy today.” More importantly, they are willing to give specific prices on actual cars in an e-mail or over the telephone. Recently, Edmunds.com has taken this approach one step further by creating a new program called Price Promise SM. which posts guaranteed, up-front prices for specific cars online.

Firsthand Experience

Edmunds editors have used car dealership Internet departments many times to buy cars for our long-term test fleet. It consistently saves us time and money.

In one case, we searched online for the car we wanted, e-mailed the dealership’s Internet department and got this response: “I have the car on my lot. Your preferred Internet price is $27,417 plus tax and license. Let me know how you would like to proceed.”

We compared the price quote to the Edmunds.com True Market Value (TMV ) price and saw that it was even lower than TMV. We bought the car at that price and the saleswoman delivered it to our offices, where we signed the sales contract. After we finalized the paperwork, we asked the saleswoman if we could have gotten a better deal on a new car if we just walked onto the dealership lot.

“I would never walk onto a lot to buy a car,” she replied. “I don’t want to go through all the hassle.” We took that as a no.

Besides that, she said, her dealership’s traditional sales team typically starts negotiations by trying to sell the car at sticker price. Plus, they try to make more money on the back end through higher finance charges, she said. In the Internet department, she said, “We are straightforward and disclose everything. Nothing is pushed onto a client.”

Another Internet salesperson, in Pasadena, California, described her sales approach this way: “I like to be up-front with all my customers. I show them all the numbers. I don’t try to hide things or put extras into the contract at the last minute. I don’t want any misunderstandings.”

How Much Does the Internet Save?

As an experiment, I decided to try both the traditional and Internet sales processes on the same vehicle. After walking onto a car lot and test-driving a new car, I requested a written price quote. The salesman escorted me into a sales office, where he wrote my name, phone number and address on a “four-square” worksheet. which is used to negotiate the four elements of a typical car deal.

I repeated my request for a written price quote, but didn’t get one. Soon, Paul, the assistant sales manager appeared. After an opening sales pitch that extolled the virtues of the car, he said, “What if we could discount it by $500?”

After more discussion and a trip to see his manager, Paul said he might be able to get a $999 discount if I bought the car that day. I left, even though Paul became increasingly insistent that I stay and work out a deal. Had I hung around to complete the purchase, it appeared that I might have been able to buy the car for $19,810.

The next morning, I phoned the Internet manager at the same dealership and asked for a price on the car I had test-driven the day before. “Let me look that up for you,” he said. A minute later, he was back. “Our price is $19,310.”

When I asked if there were additional fees, he said, “I can fax you all the fees and your out-the-door cost if you like.” This pleasant three-minute phone call got me a price that was $500 below the vague price quoted by the traditional sales department.

Advantages of the Traditional Way?

While the Internet approach clearly offers advantages to many consumers, some buyers are still more comfortable buying the traditional way of physically going to the car lot. There, a car salesperson greets the customer personally and leads them through the buying process. This is good for a person who wants the salesperson’s recommendations on selection of the right model and features, a face-to-face sales pitch and some hand holding during the buying process. If the salesperson truly is an expert in the car’s features, this approach can be helpful. The buyer just needs to have done his price homework to ensure the deal is a fair one.

At some dealerships, however, the salespeople employ a variety of tactics to excite buyers, hurry them toward a commitment to buy and then sell cars to them at the highest price. Other dealerships are more straightforward and skip the high-pressure plays.

Internet vs. Traditional Car Shopping: The Bottom Line

It’s difficult to accurately quantify the savings you can get by using a car dealership’s Internet department. But it’s safe to say the price will nearly always be lower than the price you’ll be quoted if you walk onto the car lot assuming you can even get a definite price, not a vague promise of what the discount might be.

There’s no question that using the Internet department saves time and stress. When buyers are shopping in person at a dealership, they run the risk of making costly, spur-of-the-moment decisions on financing or additional products, such as extended warranties. Working via the Internet department minimizes that risk. It also is good for people who don’t have an appetite for negotiations.

By using the Internet as the front door to a car purchase, a buyer makes more informed decisions. There is time to consider all the possibilities in a relaxed atmosphere, away from the distracting lure of new-car smell.


Dealership Internet Departments vs. Traditional Car Buying #used #car #lot


#internet auto sales
#

Dealership Internet Departments vs. Traditional Car Buying

1 of 3

There are two entrances to today’s car dealership.

In the traditional entrance, a customer walks onto the car lot, is approached by a salesman, hears the sales pitch and then hashes out a deal in a sales office.

The other entrance is a virtual one and leads to the dealership’s Internet department. Once car buyers have test-driven and chosen a car, they can do the rest of the deal (including financing and negotiating) online or over the phone by using the Internet department. In some cases, a dealer will even deliver the car to the buyer’s home or office. This helps buyers avoid delays and extra sales pitches in the dealership finance and insurance office.

Which of these two paths to new car ownership results in a lower price for the consumer? And which will be the more pleasant buying experience? It’s the Internet path. Hands down.

I’ve used car dealership Internet departments for more than a dozen years in buying cars for my family, my friends and for Edmunds’ long-term testing fleet. Frankly, I’m amazed that the Internet department still remains something of a secret.

What Is the Internet Department?

In the 1990s, Web sites such as Edmunds.com began publishing invoice prices for cars, taking away what had been a powerful bargaining strategy for dealerships: the consumer’s lack of knowledge about car pricing. Dealerships then began to cater to this new breed of informed shopper by creating Internet departments. By working through Internet departments, shoppers could get price quotes by e-mail or with a phone call.

“Internet department” is a bit of a misnomer. Car buyers can’t click an “Internet Department” button on a Web site and have a car delivered to their driveway. The name comes from the fact that shoppers do research via the Internet and use e-mail for much of the communication about the car purchase.

Who Is the Internet Salesperson?

Car salespeople in Internet departments typically have different sales incentives and so behave differently from traditional car salespeople. Car dealership Internet departments focus on selling a higher volume of cars rather than on maximizing profit on each individual. Therefore, the initial price quote from an Internet sales manager is often very close to the absolute lowest selling price for a given vehicle.

Internet department salespeople also assume car buyers are informed, have shopped around and won’t necessarily “buy today.” More importantly, they are willing to give specific prices on actual cars in an e-mail or over the telephone. Recently, Edmunds.com has taken this approach one step further by creating a new program called Price Promise SM. which posts guaranteed, up-front prices for specific cars online.

Firsthand Experience

Edmunds editors have used car dealership Internet departments many times to buy cars for our long-term test fleet. It consistently saves us time and money.

In one case, we searched online for the car we wanted, e-mailed the dealership’s Internet department and got this response: “I have the car on my lot. Your preferred Internet price is $27,417 plus tax and license. Let me know how you would like to proceed.”

We compared the price quote to the Edmunds.com True Market Value (TMV ) price and saw that it was even lower than TMV. We bought the car at that price and the saleswoman delivered it to our offices, where we signed the sales contract. After we finalized the paperwork, we asked the saleswoman if we could have gotten a better deal on a new car if we just walked onto the dealership lot.

“I would never walk onto a lot to buy a car,” she replied. “I don’t want to go through all the hassle.” We took that as a no.

Besides that, she said, her dealership’s traditional sales team typically starts negotiations by trying to sell the car at sticker price. Plus, they try to make more money on the back end through higher finance charges, she said. In the Internet department, she said, “We are straightforward and disclose everything. Nothing is pushed onto a client.”

Another Internet salesperson, in Pasadena, California, described her sales approach this way: “I like to be up-front with all my customers. I show them all the numbers. I don’t try to hide things or put extras into the contract at the last minute. I don’t want any misunderstandings.”

How Much Does the Internet Save?

As an experiment, I decided to try both the traditional and Internet sales processes on the same vehicle. After walking onto a car lot and test-driving a new car, I requested a written price quote. The salesman escorted me into a sales office, where he wrote my name, phone number and address on a “four-square” worksheet. which is used to negotiate the four elements of a typical car deal.

I repeated my request for a written price quote, but didn’t get one. Soon, Paul, the assistant sales manager appeared. After an opening sales pitch that extolled the virtues of the car, he said, “What if we could discount it by $500?”

After more discussion and a trip to see his manager, Paul said he might be able to get a $999 discount if I bought the car that day. I left, even though Paul became increasingly insistent that I stay and work out a deal. Had I hung around to complete the purchase, it appeared that I might have been able to buy the car for $19,810.

The next morning, I phoned the Internet manager at the same dealership and asked for a price on the car I had test-driven the day before. “Let me look that up for you,” he said. A minute later, he was back. “Our price is $19,310.”

When I asked if there were additional fees, he said, “I can fax you all the fees and your out-the-door cost if you like.” This pleasant three-minute phone call got me a price that was $500 below the vague price quoted by the traditional sales department.

Advantages of the Traditional Way?

While the Internet approach clearly offers advantages to many consumers, some buyers are still more comfortable buying the traditional way of physically going to the car lot. There, a car salesperson greets the customer personally and leads them through the buying process. This is good for a person who wants the salesperson’s recommendations on selection of the right model and features, a face-to-face sales pitch and some hand holding during the buying process. If the salesperson truly is an expert in the car’s features, this approach can be helpful. The buyer just needs to have done his price homework to ensure the deal is a fair one.

At some dealerships, however, the salespeople employ a variety of tactics to excite buyers, hurry them toward a commitment to buy and then sell cars to them at the highest price. Other dealerships are more straightforward and skip the high-pressure plays.

Internet vs. Traditional Car Shopping: The Bottom Line

It’s difficult to accurately quantify the savings you can get by using a car dealership’s Internet department. But it’s safe to say the price will nearly always be lower than the price you’ll be quoted if you walk onto the car lot assuming you can even get a definite price, not a vague promise of what the discount might be.

There’s no question that using the Internet department saves time and stress. When buyers are shopping in person at a dealership, they run the risk of making costly, spur-of-the-moment decisions on financing or additional products, such as extended warranties. Working via the Internet department minimizes that risk. It also is good for people who don’t have an appetite for negotiations.

By using the Internet as the front door to a car purchase, a buyer makes more informed decisions. There is time to consider all the possibilities in a relaxed atmosphere, away from the distracting lure of new-car smell.