What to Watch Out For If You Decide to Finance at a Dealership

I am going to make this a simple article to read. I want you to be able to read this whole article and understand it before you make your next vehicle purchase.

Yeah, the economy isn’t the greatest right now. Yeah, nearly all industries are down on sales.

You see commercials on TV all the time talking about how now is the best time to buy a car. It is, BUT…..

You see, the auto industry is struggling. So of course, to get people to come in and purchase a car they need to advertise these “great” deals and show you how you can get their employee pricing! Sounds exciting, eh? Well if you walk in there with cash, maybe you are going to get a great deal. Actually, you probably are assuming you can negotiate a good deal.

But what if you are going in there without cash? Or without your own financing? Are you really going to get such a great deal? Well you may receive your dream car at employee pricing and they may promise you that its the best they can do on price.

Lets take a close look at their financing techniques.

Did you know that dealers really do shop for the best rate for you? Yeah, they do! However, they won’t give you that best rate! They shop for the best rate then give you a higher one. How? They are allowed to mark up your interest rate up to 2% higher than what they were quoted. That means that they are making profit off of the financing too. That can lead to you paying hundred to thousands more for your new car.

So think about this:

The car you are looking at costs $20,000.00 after manufacturer’s rebates. The dealership said they would take off an additional $1000.00 to get you to employee pricing. Sounds good, right? It is good. Now, you go to the financing office, they finance you at an 8% rate when you could have actually had a 6% rate. That will end up making you pay more, a lot more. They could have you paying a couple thousand dollars more in just interest! It makes that $1,000.00 discount look weak, doesn’t it?

The whole point here is to tell you that you need to be cautious when using dealer financing as if you know they aren’t making much from the car due to the incredible deal they gave you, they are going to make it up on the financing end of it.

Always negotiate interest rates. You wouldn’t ever take them up on their first offer on the price of the car would you? Nope. So treat the first offer on the interest rates the same too. A lot of dealers won’t even tell you what the rate is. Be sure to ask.

They have their own special programs through the car manufacturers to make up for lost profit. Don’t let them fool you. It is called dealer hold back. It is tough to negotiate into that.

Starting a Law Firm – Ideas About Office Space

One of the things that you will notice when you first open your law office is that you will write a lot of checks. You will make a lot of payments. It will seem like there is much more money going out than there is money coming in and, at the beginning, that probably will be the case. Consequently, one of the major aims when you are staring out is to keep overhead costs as low as possible. That means you don’t need that corner office overlooking Park Avenue. Right now, you don’t have the client base to justify that sort of expenditure. With that in mind, below are some ideas for some “starter” office space, at least until you get your feet on the ground.1) Traditional Office.Traditional office space, while the most liberating and enticing, is also the most expensive. However, that doesn’t mean you can’t lease office space from the outset. The key is to put your office in a location where the cost is justified. For example, if you are a litigator and can get prime office space next to the courthouse (where everyone who walks by can see your sign: “Law Office of Blankity Blank”), then the investment could be worthwhile. Be sure to consult with other attorneys who have offices near the courthouse, and see how much business they get from walk-ins. Then evaluate whether the risk is worth it.2) Home Office.The home office is the least expensive of the options. Additionally, the expense is not ongoing – once you outfit your home office with furniture and technology, there really isn’t a further expense until something needs to be replaced. Be aware that some practice areas (i.e. criminal defense or family law) do not lend themselves well to practicing out of your home. However, others fit well into the warm environment that the home offers (i.e. elder law or estate planning), especially if you will be meeting clients there. You will need to create a separate office within your home, to separate work from home life and to maximize productivity.3) Office Sharing.Office sharing can be a great alternative to the traditional office. While still more pricey than other options, sharing an office with someone else creates a natural avenue for referrals. This is especially true if you are sharing with other attorneys who practice in different areas than you do, or if you are sharing with non-attorneys. If you choose wisely, the referrals alone can justify the cost. As with any option, the key is to do your research, and meet with the people who you could potentially share space with, prior to making any decisions.4) Virtual Office.A relatively new phenomenon is the virtual office. The variations on the virtual office seem limitless, but it is essentially a place where you can meet with clients, receive your mail, have your telephone answered, while not being tethered to the office space. Additionally, the cost of a virtual office can be much less than traditional or even shared office space. It is a great way to keep costs low while growing your law firm, and maintaining the look of an established law firm.At the end of the day, your office says a lot about who you are as an attorney, but also as a businessperson. Make wise choices now, so you can thrive in the future.

The Wonderful World of Online Shopping

Online shopping is a very easy way to purchase products or different types of services via the internet. There are online catalogs and online shopping malls that allow you to sit in the comfort of your own home and shop for any goods that you need.

Benefits Of Shopping Online

1. You can browse several categories and find different items without having to leave the house

2. You can compare prices at many different online shopping malls

3. You can order as many items as you want to and not worry about carrying them to the car because they are shipped to you

4. The internet is available and open twenty four hours a day so you can shop whenever and for however long you please

5. There is no worry of standing in long lines and being in large crowds

Most online shops that are based in your country will have low shipping fees, but these fees will always apply. There may also be options for the type of shipping that can get your items to you within a day, up to two weeks.

The majority of online shopping sites follow the same pattern and guidelines. They are simple and easy steps, and help create a pleasant online shopping experience.

1. Select the category that you want to browse

2. Either choose a specific item within that category or select to view all

3. Once you find the product you want, you can add the item to your shopping cart

4. At the end you will be able to check out and continue shopping

Once all of your chosen items are in the shopping cart, there will be a total at the bottom with the amount of the sales tax. You will be allowed to remove things from your shopping cart as well as add more. Payment is usually done by debit or credit card with your information secured.

It is always a great idea to check for coupons that may be available at the online shopping malls. Make sure you check for the different prices of shipping and compare them with other places.

Online shopping is most popular around the holidays. If you do not want to be one in a crowd of people waiting in long lines, this is the most brilliant form of shopping. You can almost guarantee that prices online will be cheaper than the prices in the actual stores.

A lot of time, products are more commonly available online and not in the store. If this is the case, the online shopping mall will let you know that your certain product is only available for purchase online. Also, this shopping option allows you to save gas and time as well as the whole physical aspect of shopping!

Online shopping is fun for all ages, especially families with infants or small children, or families with elderly that cannot move around. You can shop at your convenience from within the comfort of your own home.

Royalty Universe is your convenient online shopping site that offers all information and assistance needed in the shopping process. Customers are able to give a feedback and email questions to the customer service.

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