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]]> Misc News John Kapili Sat, 18 Dec 2010 07:06:52 -0700 http://www.johnkapili.com/news.php?item.58.1 http://www.johnkapili.com/news.php?item.38.1 John Kapili Releases:::The new Money Calendar 2011. The Excel Money Calendar 2011 is the easy way to keep up with just about any payment received or money paid to you.

The Money Calendar 2011 keeps track by Day, Month, Quarter, Year. As always Free, but any gratuity is appreciated.

Download or in the Downloads Section under Excel

]]> Misc News John Kapili Wed, 17 Nov 2010 16:28:05 -0700 http://www.johnkapili.com/news.php?item.38.1 http://www.johnkapili.com/news.php?item.39.1 Vanishing Message has been released by John Kapili. Vanishing Message is a file message that can be sent by email attachment or file transfer. The message can be read by the recipient then vanishes without a trace. As we all know there are times when we need to send a message to someone that we want no trace of later. Vanishing Message uses a random encryption on all words, no word is ever encrypted the same. The message vanishes if exited, cannot be copied, if viewed longer than 1 minute it vanishes and you can use the same file to forward or email another person a new message. So prove it!!! Did it ever exist?

You may download Vanishing Message here or in the Program section of Downloads


If you have a question about Vanishing Message contact John Kapili I would like to thank everyone for trying Vanishing Message. Please leave your comments below.

How to use Vanishing Message. Try this::::::::::

1. Install Program (Vanishing Message)
2. Look at C:|Program Files|Vanishing Message|Message.xvm
3. Make a copy of Message.xvm on your desktop
4. Double Click Message.xvm Type your message and save. It will be encrypted. Now exit.
5. Right Click Message.xvm highlight Send To click Mail Recipient.
6. Message.xvm is attached to email just enter the email address and click send.
7. The person you send the Vanishing Message must also have Vanishing Message installed to read it.
8. The person recieving the email opens the attachment Vanishing Message runs they click Reveal Message they read it. If they exit its gone or after a minute its gone.
9. Thats it. You do not have to write anything in the email body because your message is a Vanishing Message.

]]> Misc News John Kapili Thu, 07 Oct 2010 10:33:33 -0600 http://www.johnkapili.com/news.php?item.39.1 http://www.johnkapili.com/news.php?item.56.1
This Excel program takes the Budget Calculator inputs the monthly income and copies over all the amounts that Dave Ramsey suggest using, to divide up your income for Your Budget in the categories for the Monthly Cash Flow. You may also use the Quick Budget Excel Sheet to do a simple Budget.

This will save you a lot of time.



The Quicker Budget can be downloaded from the Download section under Excel. or here


]]> Misc News John Kapili Thu, 07 Oct 2010 10:32:38 -0600 http://www.johnkapili.com/news.php?item.56.1 http://www.johnkapili.com/news.php?item.55.1
I never had concerns about what I had paid for the vehicle. So the price is not the issue.

It is the Financing Interest Rate that I was told by Daniel of Capital Ford finance department "was the best rate that I qualified for from Ford Credit." I was going to pay Cash for my purchase, but I was told I could get another $1000.00 off if I would finance. I was told since I was going to pay it off it really did not matter. Does it?

My only concern was the financing quote that Daniel had given me and my repeated questions about the loan rate of 7.99% being the best rate that Ford Credit was giving me, per Daniel. My credit rating being perfect (possibly better than perfect) My cash ($10,000.00) and trade in($5000.00) not excluding Tax Tag Title Cash, financing over half the sale price to get a rebate of $1000.00 that my rate would be 7.99% from Ford Credit. Daniel repeating that this was the best rate that Ford Credit would give me I signed. After thinking this over more I readdressed my question to Daniel. Again Daniel said this was the best rate I could receive from Ford Credit and if I didn't believe him I should call Ford Credit myself, which I did ( not excluding the remark about reading the information on the walls in the hall). Ford Credit told me that they do not set the rate, it is between the customer and Dealer at the time of the sale. I readdressed this again to Daniel, Mr. Cecil (both) and also with the Manager in charge in absence of Mr. Michael.

At no time has anyone except Daniel told me that 7.99% was the best rate that I should have qualified for from Ford Credit. This is the issue and nothing else.

So if I should have qualified for a better rate from Ford Credit to receive the Rebate of $1000.00 I should have no concerns? I'm sorry but I do. If I did qualify for a better rate from Ford Credit and Daniel inflated the rate, then who possibly benefits from this,,, Ford Credit , Capital Ford or Me. I feel that my best interest was not part of this equation. I was up front as to what my intentions where through the whole process.

Mr. Kapili,
I am sorry that you do not like the interest rate you received that night but on that night you had the option to pay cash for the truck at your agreed upon price or you were offered another option which gave you an additional $1,000 rebate the only requirement was that you finance the vehicle with Ford Credit (which was making the offer of the rebate). You made the decision to take advantage of the offer which was a very smart decision (I think) and you agreed to the rebate and the interest rate that was offered to you by our Business manager. I believe our people did have your interest in mind by making this offer to you because it did save you money. We have offered to seek other financing for you if you feel the rate is to high with Ford Motor Credit and that offer is still on the table. Thank you for sharing this information and concern with me and I only wish you and your new truck the best.

Timothy Michael

Mr. Michael,
Thank you for not answering my question. I understand. You are correct I did sign the papers going on the word of your employee Daniel. I still do not feel Ford Credit set the interest rate of 7.99%. It is my opinion that Daniel representing your company (Capital Ford) inflated the interest rate over the required amount of Ford Credit. It is a shame that some see this as looking after the customers best interest and an acceptable practice. I tried to bring this to your attention because I thought you might not have known about this. I wanted nothing from Capital Ford other than to inform and correct a problem for myself and the many other customers that might fall victim to this practice. I do feel that the public should be made aware of what Ford Credit informed me of, ( Ford Credit does not set the rate it is negotiated between the Buyer and Seller) so they may not make the same mistake I made.

The honor of a mans word is his soul. The silence of a mans word is something he must live with. I will be fine. Nothing further is needed.

My advise to anyone financing a vehicle. Be very weary of deals and rebates. You really get nothing for free. Be very careful of who you trust.
]]> Misc News John Kapili Thu, 07 Oct 2010 10:29:29 -0600 http://www.johnkapili.com/news.php?item.55.1 http://www.johnkapili.com/news.php?item.28.1 A completely free Garage and Classified Ad Website was launched, OBO Sale Place your free ads for Fuquay Varina, NC and surrounding areas like Holly Springs, Apex, Garner, Dunn, Angier at www.OBOSale.com
]]> Misc News John Kapili Thu, 16 Oct 2008 08:15:45 -0600 http://www.johnkapili.com/news.php?item.28.1 http://www.johnkapili.com/news.php?item.36.1 ]]> Misc News John Kapili Tue, 16 Sep 2008 12:03:17 -0600 http://www.johnkapili.com/news.php?item.36.1 http://www.johnkapili.com/news.php?item.1.1 Access, Excel, Games and Programs for free. We also offer Classifieds Ads, Forums, PM, Membership, Photo Albums and much more. We will still offer our World Famous Talking Math Tutor (Free) and Talking Calculator (Free)
]]> Access, Excel, Games and Programs for free. We also offer Classifieds Ads, Forums, PM, Membership, Photo Albums and much more. We will still offer our World Famous Talking Math Tutor (Free) and Talking Calculator (Free)
]]> Misc News Fri, 29 Aug 2008 09:03:45 -0600 http://www.johnkapili.com/news.php?item.1.1 http://www.johnkapili.com/news.php?item.35.1 Convert is a free and easy to use unit conversion program that will convert the most popular units of distance, temperature, volume, time, speed, mass, power, density, pressure, energy and many others, including the ability to create custom conversions! You can get it here or in the Downloads section under Programs
]]> Misc News John Kapili Sun, 24 Aug 2008 15:18:47 -0600 http://www.johnkapili.com/news.php?item.35.1