Collection of better articles in the world #navbar-iframe { display:block } function setAttributeOnload(object, attribute, val) { if(window.addEventListener) { window.addEventListener("load", function(){ object[attribute] = val; }, false); } else { window.attachEvent('onload', function(){ object[attribute] = val; }); } } Collection of better articles in the worldAccounting-Acne-Adsense-Advertising-Aerobics-Affiliate-Alternative-Articles-Attraction-Auctions-Audio StreamingAuto Care-Auto Parts-Auto Responder-Aviation-Fashion-Finance-Fishing-Fitness-Flu-Furniturethe Smart Way Get an Auto LoanDid you know that most people pay hundreds or thousands of dollars more on auto loans than they have to? Get an auto loan the smart way. Read on. Most people really get taken for a ride on their auto loan. Did you know that differences in the total cost of different auto loans can run into a thousand dollars or more? Here’s how you can get the lowest rate: * Make a list of different auto loan lenders and their interest rates and terms, before you go to the dealer (the web is usually the easiest way to do that). Did you know dealers get a commission on the loans they refer? If you’re not careful, that extra bit of money for the lender could mean you pay a higher rate than you would if you got the loan yourself. * Get a credit report and figure out your FICO scores. Removing any incorrect negative information from your report will help you get a better deal. Knowing exactly what your score is will help you figure out what interest rate you can realistically get. * Have bad credit? Try going to your credit union, bank or another institution where you have a relationship. Lenders like to help out established customers. If your bank still won’t help, online "bad credit auto loan" lenders usually offer better less expensive loans than dealers who advertise their great deals for people with poor credit. * Use a vehicle loan calculator. It will tell you what your loan will cost each month. It saves you the time of looking at vehicles you can’t afford, makes you aware of what information you’ll need to apply for a loan, and is a "reality check" of your financial condition. * Comparison shop, comparison shop, comparison shop. You don’t get the least expensive car by choosing a dealer at random, and you won’t get the least expensive auto loan that way, either. Start researching your options now: Get credit reports and FICO scores here: Use this vehicle loan calculator: Comparison shop among these lenders: About the author:Joel Walsh is a regular contributor to Auto Loan :http://www.cars-auto-loans.com, a website with information on car loan lenders, vehicle loan calculators, and other auto loan toolsby: Joel वाल्शDon’t Dig a Money Pit in Your GarageChoose the wrong auto loan and you might drastically increase the chances of defaulting and losing your car. Find out step-by-step how to avoid a money pit. Car loans are certainly less costly than home mortgages, student loans, or other kinds of loans. So why do so many people end up defaulting and losing their cars? Find out these hidden dangers: Biggest Hidden Car Loan Danger: The Inherent Money Pit Unlike home mortgages, student loans or other big-ticket loans, car loans are inherently money pits. A house can build equity; higher education can increase earning potential; even jewelry can sometimes be re-sold for as much as was paid for it. If you borrow to buy one of those things, you may eventually get a return on investment. But every single car loses significant value and keeps losing it as time goes by. Solution: spend as little on your car as possible. Of course, in order to spend as little as possible over the life of the vehicle, you need to get a well-made, fuel-efficient car, rather than the one with the lowest price on the windshield. But a pickup truck, SUV, sports car, or "luxury" model is a guaranteed money-loser. Don’t worry about what other people will think. Think about it: when was the last time you saw an expensive automobile and thought, "I really like and respect whoever owns that!" The best buy? Many economists actually recommend buying a used car that's a year or two old. That way you can actually benefit from the fact that cars only drop in value. Even a car that’s just six months old may offer you a substantial savings. Just have it inspected thoroughly so you don't lose what you've saved on maintenance payments. Hidden Car Loans Danger: Dangerously High Monthly Payments Unfortunately, most people never figure out the total cost before signing on the dotted line. They end up staying up late at night trying to figure out how to make ends meet. They live in smaller houses. They skip going out at night. They don’t go on vacation. All that sacrifice to have a brand-new SUV in the driveway! Take a hard look at your finances, and figure out how much you can pay total each month for your car. Be sure to take into account insurance, tax, maintenance, and fuel. Usually, when people actually do calculate the total monthly cost of the car they’re considering buying, they’re amazed by how high it is. How Much Car Debt Can You Afford? 1) Make a list of your average monthly non-car expenses, and subtract them from your earnings. -___your monthly after-income-tax income -___any other taxes -___housing (including any fees and property taxes, and utilities) -___food -___health insurance or HMO -___life insurance -___debt payments -___401 (k), IRA, or other long-term savings -___short-term savings -___telephone, cellular phone, cable, internet, etc. -___entertainment and fun stuff (be honest!) -___cost of yearly vacation(s) divided by 12 -___other expenses = ____what you can spend on a car 2) Subtract your monthly car-related expenses from the amount you have left over from your other expenses. ___What you can spend on a car (from above) -___Amount you’re spending per month on gas (raise or lower this figure depending on whether you are getting a car with higher or lower gas mileage). -___Monthly maintenance (remember: your new car won’t stay new long, so maintenance will be an issue). -___Monthly insurance (remember that for a new car, your insurance premiums may go up). -___Tax. = ____ Maximum monthly loan payment. Now plug the number above into a vehicle loan rate calculator to figure out big of a car loan, and how much interest you can afford. Final Hidden Auto Loan Danger: Unnecessarily High Rates If you simply take the first loan the dealer offers you, you are probably paying too much. Do some comparison shopping on the internet, and bring a list of the best loans with you when you negotiate loan terms with the dealer. Don’t let the dealer cheat you by shifting the cost from the car loan to the car price to the deal on your trade-in. Make sure you get a good deal overall. Congratulations! You now are far better prepared to stay out of an auto loan money pit than the vast majority of car buyers. About the author:Joel Walsh is a regular contributor to Auto Loans :http://cars-auto-loans.com, where he writes about how you can get the best car loanUsed Car LoansWant to buy a used car but just don't have the funds sat in your bank account? If so, why not consider taking out one of the many used car loans available on the loans market.Used car loans are specifically designed by loans companies to provide used car buyers with a competitive finance arrangement through which to purchase a used car. Flexible loans terms are available from used car loans companies, as well as low APR deals suitable for used car purchases. Used car loans of up to £20,000 can be arranged on an unsecured basis, with loans companies offering higher loans amounts if security is supplied.Advance plan your used car loansWhen buying a used car it pays to do some advance planning and arrange your used car loan ahead of the search for a used car. There are many loans companies out there offering loans for used car purchases, so it makes sense to shop around to get the best loans deals for buying a used car. Look for car loans that are flexible to your needs and offer a low APR, so your monthly used car repayments on any loans taken out won't be sky-high.As with all types of loans, you should first determine how much you can afford to borrow on loans to buy a used car. Loans calculators are available on the Internet and can be used to calculate loan and repayment amounts in accordance with different APRs. It is important to take into account other financial commitments too, including other loans, when calculating the loans amount that you can comfortably borrow to purchase a used car.If you intend to buy your used car from a used car trader where they offer car loans / finance for their used cars, then do make sure that the loans deal you sign up to is better than the loans deal that the used car trader can offer. The APR rate is the critical thing here. On car loans tailored for used car purchases the APR rate - i.e. the rate of interest you'll pay on top of the used car purchase price - can be as low as 6%. Finance loans deals through used car traders may have a higher APR, so pushing the total cost of buying a used car up to an unacceptable price.One final thought। When negotiating the price of a used car with a trader, they may accept your lower offer providing that you take up one of their loans to finance the used car purchase. If this is an option then do check the terms and conditions of their loans carefully, paying special attention to the loans APR rate, as the savings from your negotiation on your used car may not be as attractive as first imagined when you consider the final costs attached to their loans!by: Matthew BourneThe Top 10 Reasons Your Staff Wants to Quitby: Jeff AltmanFrom an employee’s perspective, management often conducts itself in ways that make no sense. When the economy is slow, jobs are few and far in between or people are fearful, staff will tolerate management behaviors and policies that are nonsensical (in their eyes) or they judge are harmful. But when staff gets together for lunch and they start critiquing management, these are the Top 10 Reasons Why Staff Quit. 10. “My boss is arrogant and believes his own press clippings.” As a result, staff feels taken advantage of.. 9. “My manager micromanages rather than trusting staff to perform.” Staff hates the boss and looks for ways to resist being over controlled. 8. “My manager is crushing my drive and desire.” Hired because they were smart and energetic, the manager is afraid that she will not be seen as the shining light (the reason for success) and crushes the very qualities that made the new employee attractive to hire (and desirous of joining). 7. “My boss guesses what is needed without resorting to data or facts.” Maybe he has the facts, but they sure aren’t being communicated leaving the impression of “It’s my way or the highway.” There are a lot of new roads being built in this country and staff will leave rather than be abused. 6. “I’m treated like a child.” Look, there are often generational differences between how managers and employees work. Younger workers may have “know-it-all” attitudes and unfamiliar techniques using technology to accomplish tasks. Staff feels misunderstood and resent their boss. 5. “Manager promotes someone from a different function who does understand the job and how to be successful.” Staff does not believe they can learn from this person, judges her to be an anchor around their department and resents that they were passed over for promotion. 4. “My boss is extremely critical.” The only way they interpret their boss is pleased is in the absence of nit picking. 3. “I get ideas lobbed at me with little clarity and I have to figure out what is really wanted.” Staff is caught between a rock and a hard place and doesn’t know the target of the task or have a clear idea of what needs to get done. 2. “I don’t have sufficient resources to get the job done.” Fitting 10 pounds of stuff into a five pound bag is pretty tough. Imagine you’re the ten pounds and have to get squeezed in there! Staff often believes they have inadequate resources to get a job done. And the number one reason your staff wants to quit: “My company is grossly underpaying me.” Show me the money! Staff can read job ads online and learn what their real value is. As much as they may love you and their work, eventually people realize they need to pay their bills and start to think of leaving. Your staff, the ones you are mistreating or taking for granted are your competition’s staffing solution (just as theirs is for you). Rather than taking their continued employment for granted, motivate them, excite them, coach and encourage them and they will go do anything for you (at almost any price). Jeff Altman Concepts in Staffing jeffaltman@cisny.com © 2004 all rights reserved. About the author:Jeff Altman, Managing Director with Concepts in Staffing, a New York search firm, has successfully assisted many corporations identify management leaders and staff in technology, accounting, finance, sales, marketing and other disciplines since 1971. He is also a certified leader of the ManKind Project, a not for profit organization that assists men with life issues, and a practicing psychotherapist. For additional job hunting or hiring tips, go to http://www.newyorkmetrotechnologyjobs.comIf you would like Jeff and his firm to assist you with hiring staff, or if you would like help with a strategic job change, send an email to him at jeffaltman@cisny.com (If you’re looking for a new position, include your resume).How to Quit Your Jobby: Debra ThorsenDo you to know without ending up on the street? In a nutshell, you need to avoid the self-employment trap, think like a business, and create multiple passive revenue streams. Avoid the Self-Employment Trap If you quit your job and hang up your own shingle, you might work harder for less money. You may enjoy working from home or choosing your own clients, but you might end up living from client to client without building any real wealth. Many self-employed people I know suffer from feast or famine. They spend lots of time and money marketing their services and get lots of clients. They get really busy doing the work and stop marketing and then their prospective client pool dries up. If you set up your business so that you do everything - marketing, sales, bookkeeping, operations, and fulfillment, then you are limiting your success potential from day one. You will spend lots of time on non-income generating activities and may get frustrated and burned-out in a short time. The real key to successfully creating wealth outside of a job is to avoid the mistake of trading one boss for another boss. You need to stop trading your time for dollars. Stop thinking like a wage slave. Look beyond earned income. Think Like a Business There are many problems with earned income. The biggest one is that you are trading your time for money. If you stop trading your time, the dollars stop coming. This is a huge problem if you decide to have a baby, get sick, want to take an extended vacation, or are ready to retire. The IRS penalizes self-employed people who operate as a sole proprietorship with a hefty self-employment tax. How can you avoid this? Well, I am not an accountant or CPA, so I am not giving legal or accounting advice, but I have learned to think like a business. Before you quit your job, interview local tax advisors to educate yourself on different business entities and tax strategies. Start thinking big. Build a Company with Multiple Passive Income Streams You need to build a company that works for you. My best advice on how to quit your job is to build a business that offers multiple streams of passive income in addition to your earned income. There are so many exciting ways to design your income portfolio. It requires imagination, courage and planning. Structure your business so that your daily activities are fun and challenging. Identify the things that you don’t enjoy or are not good at and find other people to do these activities – outside partners, independent contractors, or employees. How to Quit Your Job My advice for how to quit your job is to avoid thinking that you have to do everything yourself to make your new enterprise run. Think big! Set up systems and structures that work for you so you don’t have to work so hard. Incorporate and make the tax system work for you. Design your work around multiple passive income streams to support your active work. And finally, have fun! About the author:Find out how to break free from the corporate world. Debra Thorsen is a happy corporate escapee who helps individuals create real wealth and happiness without 9 to 5 jobs. Visit for free tips on career change, wealth building, and living without fear.Older PostsSubscribe to:Posts (Atom)Accounting(64)Fashion(9)Car Loans(3) My HeadlinesSubscribe to RSS headline updates from: Powered by FeedBurner       _WidgetManager._Init('http://www.blogger.com/rearrange?blogID=8101701616010045041', 'http://collection-articles.blogspot.com/','8101701616010045041');_WidgetManager._SetPageActionUrl('http://www.blogger.com/display?blogID=8101701616010045041', 'j-ktOKGaJYnfaYJ2HepTvjvOTD0:1223431977565');_WidgetManager._SetDataContext([{'name': 'blog', 'data': {'title': 'Collection of better articles in the world', 'pageType': 'index', 'url': 'http://collection-articles.blogspot.com/', 'homepageUrl': 'http://collection-articles.blogspot.com/', 'pageName': '', 'pageTitle': 'Collection of better articles in the world', 'encoding': 'UTF-8', 'isPrivate': false, 'languageDirection': 'ltr', 'feedLinks': '\74link rel\75\42alternate\42 type\75\42application/atom+xml\42 title\75\42Collection of better articles in the world - Atom\42 href\75\42http://collection-articles.blogspot.com/feeds/posts/default\42 /\76\n\74link rel\75\42alternate\42 type\75\42application/rss+xml\42 title\75\42Collection of better articles in the world - RSS\42 href\75\42http://collection-articles.blogspot.com/feeds/posts/default?alt\75rss\42 /\76\n\74link rel\75\42service.post\42 type\75\42application/atom+xml\42 title\75\42Collection of better articles in the world - Atom\42 href\75\42http://www.blogger.com/feeds/8101701616010045041/posts/default\42 /\76\n\74link rel\75\42EditURI\42 type\75\42application/rsd+xml\42 title\75\42RSD\42 href\75\42http://www.blogger.com/rsd.g?blogID\758101701616010045041\42 /\076', 'meTag': '\74link rel\75\42me\42 href\75\42http://www.blogger.com/profile/05747428729112416999\42 /\76\n', 'openIdOpTag': '\74link rel\75\42openid.server\42 href\75\42http://www.blogger.com/openid-server.g\42 /\76\n', 'latencyHeadScript': ''}}]);_WidgetManager._SetSystemMarkup({'layout': {'varName': '', 'template': '\74div class\75\47widget-wrap1\47\76\n\74div class\75\47widget-wrap2\47\76\n\74div class\75\47widget-wrap3\47\76\n\74div class\75\47widget-content\47\76\n\74div class\75\47layout-title\47\76\74data:layout-title\76\74/data:layout-title\76\74/div\76\n\74a class\75\47editlink\47 expr:href\75\47data:widget.quickEditUrl\47 expr:onclick\75\47\46quot;return _WidgetManager._PopupConfig(document.getElementById(\\\46quot;\46quot; + data:widget.instanceId + \46quot;\\\46quot;));\46quot;\47 target\75\47chooseWidget\47\76\74data:edit-link\76\74/data:edit-link\76\74/a\76\n\74/div\76\n\74/div\76\n\74/div\76\n\74/div\076'}, 'quickedit': {'varName': '', 'template': '\74div class\75\47clear\47\76\74/div\76\n\74span class\75\47widget-item-control\47\76\n\74span class\75\47item-control blog-admin\47\76\n\74a class\75\47quickedit\47 expr:href\75\47data:widget.quickEditUrl\47 expr:onclick\75\47\46quot;return _WidgetManager._PopupConfig(document.getElementById(\\\46quot;\46quot; + data:widget.instanceId + \46quot;\\\46quot;));\46quot;\47 expr:target\75\47\46quot;config\46quot; + data:widget.instanceId\47 expr:title\75\47data:edit-link\47\76\n\74img alt\75\47\47 height\75\04718\47 src\75\47http://img1.blogblog.com/img/icon18_wrench_allbkg.png\47 width\75\04718\47/\76\n\74/a\76\n\74/span\76\n\74/span\76\n\74div class\75\47clear\47\76\74/div\076'}, 'all-head-content': {'varName': 'page', 'template': '\74data:blog.latencyHeadScript\76\74/data:blog.latencyHeadScript\76\n\74meta expr:content\75\47\46quot;text/html; charset\75\46quot; + data:page.encoding\47 http-equiv\75\47Content-Type\47/\76\n\74meta content\75\47true\47 name\75\47MSSmartTagsPreventParsing\47/\76\n\74meta content\75\47blogger\47 name\75\47generator\47/\76\n\74data:blog.feedLinks\76\74/data:blog.feedLinks\76\n\74data:blog.meTag\76\74/data:blog.meTag\76\n\74data:blog.openIdOpTag\76\74/data:blog.openIdOpTag\76\n\74b:if cond\75\47data:page.isPrivate\47\76\n\74meta content\75\47NOINDEX,NOFOLLOW\47 name\75\47robots\47/\76\n\74/b:if\076'}});_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML2', 'footer',{'main': {'varName': '', 'template': '\74b:if cond\75\47data:title !\75 \46quot;\46quot;\47\76\n\74h2 class\75\47title\47\76\74data:title\76\74/data:title\76\74/h2\76\n\74/b:if\76\n\74div class\75\47widget-content\47\76\n\74data:content\76\74/data:content\76\n\74/div\76\n\74b:include name\75\47quickedit\47\76\74/b:include\076'}}, document.getElementById('HTML2'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_AdSenseView', new _WidgetInfo('AdSense1', 'sidebartop',{'main': {'varName': '', 'template': '\74div class\75\47widget-content\47\76\n\74data:adCode\76\74/data:adCode\76\n\74/div\076'}}, document.getElementById('AdSense1'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_LabelView', new _WidgetInfo('Label2', 'sidebartop',{'main': {'varName': '', 'template': '\74b:if cond\75\47data:title\47\76\n\74h2\76\74data:title\76\74/data:title\76\74/h2\76\n\74/b:if\76\n\74div class\75\47widget-content\47\76\n\74ul\76\n\74b:loop values\75\47data:labels\47 var\75\47label\47\76\n\74li\76\n\74b:if cond\75\47data:blog.url \75\75 data:label.url\47\76\n\74span expr:dir\75\47data:blog.languageDirection\47\76\n\74data:label.name\76\74/data:label.name\76\n\74/span\76\n\74b:else\76\74/b:else\76\n\74a expr:dir\75\47data:blog.languageDirection\47 expr:href\75\47data:label.url\47\76\n\74data:label.name\76\74/data:label.name\76\n\74/a\76\n\74/b:if\76\n\74span dir\75\47ltr\47\76(\74data:label.count\76\74/data:label.count\76)\74/span\76\n\74/li\76\n\74/b:loop\76\n\74/ul\76\n\74b:include name\75\47quickedit\47\76\74/b:include\76\n\74/div\076'}}, document.getElementById('Label2'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML4', 'sidebartop',{'main': {'varName': '', 'template': '\74b:if cond\75\47data:title !\75 \46quot;\46quot;\47\76\n\74h2 class\75\47title\47\76\74data:title\76\74/data:title\76\74/h2\76\n\74/b:if\76\n\74div class\75\47widget-content\47\76\n\74data:content\76\74/data:content\76\n\74/div\76\n\74b:include name\75\47quickedit\47\76\74/b:include\076'}}, document.getElementById('HTML4'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML1', 'sidebar',{'main': {'varName': '', 'template': '\74b:if cond\75\47data:title !\75 \46quot;\46quot;\47\76\n\74h2 class\75\47title\47\76\74data:title\76\74/data:title\76\74/h2\76\n\74/b:if\76\n\74div class\75\47widget-content\47\76\n\74data:content\76\74/data:content\76\n\74/div\76\n\74b:include name\75\47quickedit\47\76\74/b:include\076'}}, document.getElementById('HTML1'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_AdSenseView', new _WidgetInfo('AdSense2', 'sidebar',{'main': {'varName': '', 'template': '\74div class\75\47widget-content\47\76\n\74data:adCode\76\74/data:adCode\76\n\74/div\076'}}, document.getElementById('AdSense2'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML3', 'sidebar',{'main': {'varName': '', 'template': '\74b:if cond\75\47data:title !\75 \46quot;\46quot;\47\76\n\74h2 class\75\47title\47\76\74data:title\76\74/data:title\76\74/h2\76\n\74/b:if\76\n\74div class\75\47widget-content\47\76\n\74data:content\76\74/data:content\76\n\74/div\76\n\74b:include name\75\47quickedit\47\76\74/b:include\076'}}, document.getElementById('HTML3'), {}, 'displayModeFull'));_WidgetManager._RegisterWidget('_HeaderView', new _WidgetInfo('Header1', 'header'));_WidgetManager._RegisterWidget('_NavbarView', new _WidgetInfo('Navbar1', 'navbar'));_WidgetManager._RegisterWidget('_BlogView', new _WidgetInfo('Blog1', 'main')); |
|
