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December 2019

10 Tips to Save Money

10 Tips to Save Money

10 Tips to Save Money

10 Tips to Save Money – Thousands of car buyers are likely to come out every day and make their purchase. But many will pay far more than they have to because they fail to reflect and choose the best ways to financing their car before they buy. A new car is in the top three most expensive purchase many us will make, after our residences. So, consider all available options carefully before buying committing to the purchase. Shockingly, research shows that nearly one out of three buyers does not even haggle over the price of a new vehicle, and just 3 out 20 spend more than an hour inquiring on financing.

Most people are not in the position of paying cash to buy a new car and it just isn’t in the realm of possibility. And even if it is, one may not want to use their saving to buy a new automobile. That means that you are either going to be getting a lease on the vehicle, or buying it through financing. When you’re buying, you’re probably financing it through the dealership, a banking institution, credit union, another financial institute, or maybe even a relative, a friend or someone close to you.

It is important to know as the cost of cars is on the up, it’s now more important than ever for buyers to make sure they get the best deal. In the bargaining on the purchase and on researching the right finance approach or insurance policy, at the very least several hours at home with a computer and phone at hand will make a dramatic difference to your money outlay.

Here are some tips:

1. Improve your credit

If you plan on buying a car in the near future, it is absolutely necessary to spend some time cleaning up your credit report. If you can’t do it yourself many companies specialize in this and will do it for as low as $30 per month.

2. Borrow against your 401K

If you are young, have a secure job and income and have the option to borrow against your 401K, any interest you’d be paying would not be lost. Check with your financial institution for the details and how much you can borrow.

3. Borrow from someone you know

That is if you know you will pay them back as promised and agreed. In this case you could go one step further to make them comfortable in guaranteeing the loan by putting up some collateral such as the title of car at least.

4. Get at least 10 quotes

Once you have a copy of your credit report and credit score, get 10 quotes from 10 different credit sources. This will also help when asking for a better rate and or negotiate a better sale price. Sometimes low APR credit cards will do just fine. 10 Tips to Save Money

5. Get pre-approved

This should be done on the ideal time to shop for a car loan is before you shop for a car. You can drive the car right off the lot. No waiting for the loan approval and disbursed and taking the check back to the dealer. In most cases the loan can be approved by your lender quickly.

6. Put a bigger down payment:

As part of your negotiations for a better interest rate, suggest a different percentage of down payment for a reduction in rate.

7. Dealer Financing

With many car companies having their own lending affiliates you can pick a car and a loan in one application. The process is usually quicker than applying for a bank loan, and dealers are more likely than banks to qualify buyers with less-than-perfect credit ratings. They also usually help customers with special needs, like first-time buyers and students. Car companies often offer low-rate promotional financing on certain cars. This option can be more expensive, particularly for poorly informed buyers.

8. Negotiate the Terms

3, 5 or 7 years? Which is right for you and which can you qualify for? Negotiate the car’s price before you talk about the terms of a loan, so the dealer can’t hike the car’s price to give you a lower-rate loan. Even when you get low dealer financing rates of 1% to 6%, there’s a catch. these loans are generally short term. Since many must be repaid in 24 months, monthly payments can be high.

9. Bank, Credit Union or Lending Institution

Banks and credit unions usually offer set, where you cannot negotiate rates, but less expensive than dealer financing. They will push the unnecessary expense of credit life insurance, which ensures that the loan will be paid off if you pass on. Credit unions that offer auto loans typically offer lower rates than banks and financing companies. But finance companies are the most expensive as they generally accept greater credit risks borrowers.

10. Payback quickly and insure yourself

The sooner you pay back the least interest you pay if you have a high interest rate. Otherwise invest the money in higher interest rate guaranteed return (my preferred option). Get life insurance so your family is protected and will not have to pay for bill in case of an accident. Term life is cheap and you only needed it for the length of time of the loan.
Remember that the good old saying “Work Hard and Save” has updated to “Work Smart and Invest.” 10 Tips to Save Money.

Select a Specialization Business Schools

Select a Specialization Business Schools

Select a Specialization Business Schools

Select a Specialization Business Schools – This is a decision I would make before even joining MBA program. If you have a choice between one or two schools then your option should depend on the school. That is known and good for the specialization. The potential employers also may decide the same way. That is the marketing jobs will be going to the schools where marketing is strong. I can understand that because if I were to get a marketing guy sharp enough to handle the present intensive competition. Someone with a lot of new ideas. I would look for them in a school which is very strong in marketing.

Also, most programs include projects at the end of the first year then you need to select a marketing project. So that you have something to talk about to your potential employers and get some idea of the realities in marketing before you go out of the school.

What is the meaning of specialization?

Actually the term specialization should not be misunderstood at the MBA level. It simply means that a student has done more marketing courses than others. Also has done project work in this area. How many of these courses would depend on the school and its program structure. Within the specialization there could be courses that are compulsory like the global marketing in marketing or international marketing course. The others are chosen by the student. Same holds true for other subjects too.

Marketing, Finance, Human resource Management, Operations Management, IT and General Management which are very functional in nature are generally offered by most business schools. Each of these functionally organized specializations structure an appropriate mix of courses which are contemporary in nature and embedded with current issues.

What should be the factors to consider?

Students often struggle to make this decision. Again, one should not get into any specialization without giving due consideration for the kind of jobs they will get into in future. One should not get into specialization because that person is not comfortable with the other alternative. I hate to see some student get into marketing because he is scared or does not like finance, but is not really interested in marketing either. He is just there because that is specialization that gets him a good job as an alternate to finance. I really would not want such students in a marketing classes.

You also need to make choice of the courses you will take with in your specialization. Students can also request the school to offer some special courses they want. I would not restrict myself to the number required but would take as many good courses as possible. At least audit some, as I could to get a good 360 degree view of the function.

What are the Employment opportunities?

Generally the type of jobs marketing guys end up with after MBA are in Sales, Brand Management, Business Development, Marketing Research, Distribution and logistics management. Marketing controller and jobs in Advertising Though experience in sales is good it is not the only route to ascend to Marketing Director position, which in turn can be a spring board for further jump in the organization. However,, it is highly desirable to get your hands dirty with sales and get the feel of the market. It is therefore good if you have in your cart the brand management, sales management, marketing research and may be strategic marketing. You can add others like advertising if you like.

Consumer behavior should come some where or other. Consumer behavior is also a very good and very interesting course. But because the students feel it is too basic they avoid it sometimes. Schools seem to slowly stop teaching this subject. Select a Specialization Business Schools.
There is no dearth of opportunities for finance specialists. Banks, Insurance companies, Investment companies, manufacturing, you can say finance gives you the potential for omnipresence. In recent years the banks and investment companies have been making very attractive offers to finance specialists.

Who Can ascend to the Top?

My personal experience (which is open to debate) is that the Marketing and Finance guys have a better chance of being Chief Executives for the simple reason. That these two hold the main threads to the organizational performance. I noticed that when the market or the firm is in a growth path heading towards leadership and dominance in the market, the marketing guys would have a good chance. Further, the nature of business also determines the preferred background for CEO. In times when the company needs financial revamp or in companies/banks where the products are mainly financial product and require a good understanding of finance a finance person would do well.

Human Resource management is good too and finds a prominent role in the organization. It is about handling people and also the development of the people, personnel policies, development of people, recruiting people, finding talent, learning centre administration, salaries, promotions and industrial relations as well. Operation Management provides understanding of the manufacturing, planning production, optimization, inventory management, supply chain management, logistics and physical distribution optimization and similar aspects. Select a Specialization Business Schools.

Professionals Toilet Training Puppies

Professionals Toilet Training Puppies

Professionals Toilet Training Puppies

Professionals Toilet Training Puppies – Toilet training puppies is absolutely important if your pets stay indoors. You may not be able to train your puppy to flush the toilet much less use the bowl when he needs to go, you should be able to train him to use a designated potty spot.

In choosing a potty spot when you are toilet training puppies, be sure that the area is clean before and after your puppy goes. Dirty areas are breeding ground for germs and bacteria and can be a source of worms. You don’t want your pet to get sick do you?
To be able to succeed in toilet training puppies, you must take into heart the following secrets that professional trainers, breeders, and vets suggest:

1. Scolding and punishing.

Never ever do the following when you do potty training: hurt your puppy by slapping him, throwing anything at him, shoving him, shouting at him, and rubbing his nose on his pee or poop.
Scolding and punishing will do you and your puppy no good as they have limited reasoning skills, they can’t determine ‘good’ or ‘bad’ in the way humans perceive it. Another reason is that doing so would either result to an aggressive dog or a dog that is afraid of you.

2. Schedule feeding time.

Dogs and puppies love rules and schedules, this is in fact ingrained in their DNA because this is what happens in a pack. Schedule his meals and you will be able to predict when he goes.
Not only should you feed him at the same time everyday, you should also feed him with the same type of food. Changing meals often will give your puppy digestive problems.

3. Consistency does it.

After feeding, take him immediately to his potty spot on a leash. Allow his digestive system to do its work so no playing or cuddling whatsoever.
When you take him to his potty spot always use the same door. This establishes a pattern that he will follow.
There should only be one potty spot with which he can do his business, avoid going to his potty spot today then your bathroom tomorrow. Doing this will confuses and will the training difficult.

4. Using scents.

Many professionals recommend the use of scents in toilet training puppies. Puppies will always go back to where the odor of their urine is, this is what they do in scent marking.
You can use this when you toilet train your pup by using a cloth that smells of his urine. Put the cloth on his potty spot before you take him there.

5. Clean accidents thoroughly and immediately.

Often a pup will reach a point where he will find potty places for himself and they are usually places you don’t want him to urinate. Even during the process of potty training, he will have accidents. You should clean ‘accident areas’ thoroughly, don’t wait for the urine to dry because again when he smells them he goes back to any of those areas and conducts his business there.

6. Use stacks of newspapers if you are trying to potty train indoors.

Choose a spot in your house away from lots of traffic and noise. When you notice that he begins to squat and is nervously pawing on the floor immediately pick him up and place him on the stack of newspapers.
Don’t leave him alone to do his business, supervision is a must. After he does his business, keep a single newspaper and use it again the next time he feels like going.

7. Use a crate.

This method counts upon a puppies denning instincts, his den is his home and so he will not mess up this place. Now you should not leave him in the crate for a long time when he could no longer hold his bladder or you will have thrown your efforts away.

8. Be patient and give your puppy rewards.

Experts say toilet training puppies can take weeks. So you have to be patient and kind to your pet and when he does good reward him with his favorite treat.

Housing Market Prices Down

Housing Market Prices Down

Housing Market Prices Down

Housing Market Prices Down – It is known that the mortgage crisis in the US was the key to the global economic criss that has shaken the world since 2007. After house prices reached their peak in 2006, prices suddenly started declining at the end of that same year. Real Estate is so important that its downfall can cause the entire economy to crash. The economic crash can cause millions to lose their jobs and families to struggle in providing for their children. All of these things caused me to think about the real estate market a bit more, and as a result I am contributing to this section of our blog after a long time.

Rent Price is Up

The other day I spotted a news headline about the rise in rent prices. I realized at that point that this can be incredibly confusing to the common person. We are all aware that home prices have fallen, but yet rent prices are going up. One would think that if there is no money, there should be no demand, which would result in lower prices. This is the exact scenario that recently happened in some developing countries affected with the global economic crisis.

In Australia however, a large group of people that would have purchased a house turned to renting. At the same time, high school and college students who would have moved out on their own and become renters stayed in their parents’ home. In the developing countries instead of renting, this same group of would be buyers would have returned to their parents’ home. Due to these would be buyers turning to renting, the demand for rental properties increased, and therefore rental prices went up as well.

Theory

In theory, it would make sense for home owners to rent out their properties until the prices leveled out and increased. The problem with this is strictly a cash flow issue. Let’s take a look at an example. One family has to relocate to a new city They would like to purchase a home in their new city and therefore, need to sell their old home immediately. Often times people in this situation would buy a second home, and wait for the first to sell. Some families choose to rent a home temporarily until the first home sells and then purchases a new home. This prevents them from having the option to rent their home, because they need the cash flow for their new property.

Solution

So this was and still is a perfect time for brave investors, not looking for a fast return on investment. So if you have money just laying on your savings account, and earning little interest, think about investing in real estate. Prices are not going to get as high as they used to be, but will get higher, and meanwhile you will be making money off the rent.

All of these factors make it a perfect time for brave investors willing to wait for a return. Purchasing a home now with extra funds in a savings account earning minimal interest is a great way to invest currently. Renting out the property immediately will ensure some additional income and when the housing market levels out and prices return to normal you can then sell house for a hefty profit.