On average, must people get auto loans at 5 years for vehicles $25K+ at a way lower interest rate (about same 3K down payment). 

There are many scoring versions available to the various types of lenders (auto, mortgage, credit card companies) and the scores vary by version.

My family and I have bought and sold without a website and an auto responder.

I'm not referring to the basics that everybody already knows (i.e. get auto letter, submit, get short sale package, submit) I'm referring to things like when to do the repair estimate.

Once they did sign up, the program was pretty much on auto pilot while we was out going to OTHER guru's seminars.

Once interest rates increase and the cyclicals like housing, autos, and transportation starts to decline that's when you should take some profits and run into a new venture..............REAL ESTATE INVESTING

Also, check out their incredible auto refinance loans, which are being offered for 72 months at an amazing fixed rate of 1.75%, a rate which can't be beat, and on top of such a good rate they give customers a $200 bonus for taking out a car loan.  

If there is anyone out there dealing with contaminated site issues (heating oil tanks, junk/salvage yards, auto recycling yards, etc.) or other environmental issues am happy to be a resource if it is within my wheelhouse.This has been a very scary process to leave my good job and transition to a business owner. 

I work with one of the auto industry here in Michigan. i was hoping getting a job there will make me get my freedom, but i haven't.

I'm sorry I meant to say you SHOULD look for homeowners insurance and shop rates starting with your auto insurance.