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Financing Your Used Car

When selecting a lender to finance one’s car, one should conduct or perform some extensive research over the internet. This assists in finding the most suitable lender to obtain a loan. One may use search engines to locate the lenders by keying in their company names. The financing options vary depending on the type of vehicle. The financing options for brand new cars are different from those of used cars. One should acquire value for their money when financing their used vehicles. A car begins to depreciate the moment a person purchases it and commences to drive it. There are three main options that a person has when planning to finance their vehicle.

They include contract plans, used-car loans and hire purchase. Hire purchase is a traditional means, which aids in spreading the costs thus easing the payment process. When selecting hire purchase as a means of financing one’s used car, one should budget accordingly to accommodate the monthly fees that the seller may deduct until the agreed period is over. Hire purchase is the most popular, mainly because the initial deposit is quite low. Compared to contract plans and used-car loans, this means is cheaper in terms of the payable interest. One may also negotiate the interest rates with the seller in order to obtain the best financing deal.

Contract plans require the buyer to deposit some money as a way of securing the car for purchase. After paying the deposits, the seller deducts the agreed monthly installments from the buyers account. After completing the monthly payments, one has the option of maintaining the vehicle while under the sellers care, or one may make a balloon payment. When a buyer makes a balloon payment, it means that they obtain full ownership of the vehicle. Contract plans have lower monthly fees, as compared to the hire purchase method of financing one’s used car. When one fails to meet the monthly payments of both the contract plans and hire purchase means, it means that the seller reserves the right to repossess the vehicle. Therefore, people should organize themselves financially before purchasing a used car.

Alternatively, one may obtain a loan from their bank as a means of financing the used vehicle that one intends to purchase. The benefit of obtaining a car loan is that it secures the vehicle therefore, meaning that the seller cannot repossess the said vehicle. Bank car-loans have competitive rates and this ensures that their customers have various repayment options. They are also easy to manage and organize, in terms of finances and this makes it an efficient means of financing one’s vehicle. Once a person obtains a bank loan, they may fully purchase the car, by making balloon payments. The bank deducts money from their customers account depending on the agreed interest rates. The buyers may sell the car before completing the loan payments and accomplish something else with the money. When looking for a suitable lender to finance a used car, one should compare the rates and benefits before selecting a particular means.

Are Your References “Professional”?

What do your professional references say about you? Ever think about it? You should because no matter how good your interview went, if your references don’t say good things about you….you’re not getting that new job you want. Seems kinda harsh doesn’t it? But it’s true, a bad reference can single handedly sink an otherwise great opportunity.Ironically, most people pay little to no attention to their references. I hear things like “I haven’t talked to him in ages.”, “I didn’t really work that closely with her.”, “I’m just his friend” but my favorite is the “one word answers” – yep, no, yes, maybe, absolutely. Joking aside, if you aren’t taking the time to really cultivate and inform your professional references you are putting yourself at a disadvantage in any job search. Someone who takes their job search seriously has educated, informed, prepared and PREDICTABLE references. I recall a candidate interaction a long time ago where the recruiter asked a reference “Would you hire so and so again?”. Simple stuff, nothing major, should be a straight forward response and it was just that….”I wouldn’t hire that guy to stock shelves”. End of interview, no hire, thanks for playing. If your references say they wouldn’t hire you again, it’s pretty bad but when they go out of their way to torpedo your application it’s apocalyptic.Without further adieu, a few quick tips on how to give the best professional references:1) Give people who you know, trust and who will absolutely, positively say nice things about you – I know, right, who WOULDN’T do that? You’d be surprised. I’m not even going to talk about this anymore, do your homework, call your references so when they talk to potential a employer they don’t throw you under the bus.2) Give a former manager – Again, I know, not rocket science. I’m always happy to hear how great a guy someone is, or how they play a mean guitar or how they can finish Halo without dying……….but, at the end of the day it doesn’t matter. I want to talk to someone who can tell me what kind of an employee you’ll be once you are hired. Former managers are critical to making sure any potential employer can get the info they need to hire you without reservation. If you don’t have a former manager who’ll say nice things, try someone else in a leadership role. You need someone besides your lunch buddies to say nice things about you, especially in a competitive job market like we have now.3) Make sure your references are available and expecting the call – This one drives recruiters crazy. Nothing more frustrating than leaving voice mail after voice mail for a reference only to follow up with an email that bounces back “On vacation until September 2013″. Good times! It’s common courtesy for everyone involved and will help also make sure our references say nice things about you.4) Have a few people recommend you on LinkedIn – Simple stuff, and frankly it doesn’t matter if this is a former manager or not. With the rise of social networking, more and more companies are searching the web for potential hires. No better way to reinforce that you are a quality hire than to have a well groomed LinkedIn profile that has several people singing your praises.5) Keep in touch with your references to make sure you have a big stable of people to use -This is the final tip, and probably the most important. You want to keep in touch with people who can serve as great professional references. Seriously, think about it. How many former managers can you give that would say nice things about you? The more you have, the better off you’ll be long term. You don’t need to talk to them every day, week or even every month however, you should be just touching base once every quarter or two, JUST in case you need them or, get this…..maybe they need you. That’s right, your former boss may be looking for a job and need a “former direct report” to say nice things…next think you know you guys are colleagues again. So, trust me on this one, figure out who will give you a stellar reference and then maintain and build on that relationship.That’s it, nothing crazy, nothing complicated. Follow these simple tips and I can guarantee you’ll have much more success converting those interviews into offers.

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Online lab report writing

A lab report is a fundamental document for any scholar pursuing scientific studies. This type of academic document serves numerous roles. Firstly, instructors use a lab report to assess the student’s understanding of scientific concepts. For instance, the instructor might be interested in assessing the student’s proficiency in hydrocarbons. Using lab reports, this objective is easily achieved by the instructor. The lab reports are also essential tools for developing the communication skills of scholars.

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