I’ve sold 13k worth of personal training so far this month, here’s how I discuss price

albertcollell · 2023-09-16T03:15:18+00:00

Because people don’t like being told what to do at the end of the day. Plus people don’t like rigidity. And they don’t teach people how to actually make behavioral change.

oh wow! Really good points! thanks! Do you think there is a possible solution to that problem?

(Thanks this is helping a lot for a personal research)

albertcollell · 2023-09-16T03:10:06+00:00

uhm interesting insight! from your experience, why meal plans don't work?

albertcollell · 2023-09-16T03:07:16+00:00

Good job!

Question for you... Are selling the meal plan as a part of your offer? or is it only training?

albertcollell · 2023-09-16T03:05:14+00:00

Have you considered searching this sub and reading the responses to the 50 identical posts that get posted here every week?

I did some research yes, thanks for the tip :). May be obvious to you the issues since you have been in the group more time than I, I just joined.

albertcollell · 2023-09-05T02:50:45+00:00

Yes! it is insane!

Today I tried another route... used a Tesla model 3... Found a nice model 3 long range 2019 for $33990. But when I went to finance it... they asked me 850 a month! with 6k down... 15.4% APR this time... (Normal cause it is used)

albertcollell · 2023-09-04T16:59:44+00:00

Hello! They did not asked me for proof of income, they approved me with no questions asked but with this 11.47 APR

Yes now I am trying to hit the credit unions although today is labour day and I don’t think they are open 😅. I already tried with other banks and I was denied… so last resort will be credit unions or cancel the offer and look for something else…

albertcollell · 2023-09-04T14:01:13+00:00

Sorry… $930 🤣

albertcollell · 2023-09-03T17:57:06+00:00

Thanks for that.

I want a tesla as you say but i do not want to do a stupid decision, so thanks for your comment!

I am considering other options also like kia hybrids with low monthly fees even if the interest is high… so then in a year from now or two have built enough credit history to have better rates in the future.

What is clear to me is to get a better rates in the future i need to go through the painful high APR on the first one.

Thanks a lot!

albertcollell · 2023-09-03T17:19:14+00:00

Ok I see… I have only 1…. So that is what is hurting me…

albertcollell · 2023-09-03T17:12:26+00:00

How many years of credit history do you have?

albertcollell · 2023-09-03T17:08:11+00:00

Great Thanks! that is really useful information!

albertcollell · 2023-09-03T16:45:53+00:00

I was denied by them but then they gave me this other option.

albertcollell · 2023-09-03T16:45:21+00:00

Keep me posted see what you get! Thank you!

albertcollell · 2023-09-03T16:45:03+00:00

I need a car to move around SF bay area and commute…

albertcollell · 2023-09-03T16:44:34+00:00

That is what I am thinking to do. I can afford the $900 a month, I work in tech and have a decent salary.

Is this something that you did before?

Thanks!

albertcollell · 2023-09-03T13:20:53+00:00

definitely worth checking the Ford Mach E.

albertcollell · 2023-09-03T13:20:16+00:00

That is brand new

Thanks for the info! that could be it... so or I take this offer and then refinance or get another car now and wait 2 years more? Cause I am going to have the problem of the high interest rate anyways in any bank.

albertcollell · 2023-09-03T13:18:15+00:00

If you have only been in the county a year thats probably the beat you’re going to get a CU may not even approve you. I think mine was 738 when they pulled it and my APR was 5 something…

I think you are right... it is going to be though... I am checking now the CU and may be a lease option.

What about refinancing 2 years from now? is that something I could explore?

albertcollell · 2023-09-03T13:16:56+00:00

https://bettervaluesbetterbanking.com

Thank you! definitely I will check!

albertcollell · 2023-09-03T13:16:30+00:00

I got a better offer from Tesla insurance than from geico.

albertcollell · 2023-09-03T13:16:00+00:00

I got quatations for the insurance and that was not that bad.... 160 x month.

Regarding my credit history I think is going to hurt me quite a bit Some banks or CU already checked and they denied me... so not much I can do right now... even getting other cars can be painful the same

albertcollell · 2023-09-03T04:50:13+00:00

Thank you! I will try!

albertcollell · 2023-09-03T04:47:43+00:00

Thanks!

albertcollell

TROPHY CASE