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.

Fitness Tips For Bodybuilding and Weight Training

Increasing muscle strength and size are synonymous with weightlifting and bodybuilding. However, weightlifting and bodybuilding offer other fitness benefits as well. Aside from developing strength, you can also improve your stamina and endurance and decrease body fat. If you would want to start or just starting out with weight training, make sure to follow these essential tips to maximize your results.

1. Set reasonable goals. You’ll only be disappointed if you think you can achieve your desired results in a short time. Weight lifting takes time and effort. Devise a program that you can commit to for several weeks, based on how much time you can invest in training

2. Balance your program with cardio routines. Doing cardiovascular workouts will supplement your strength training as you develop stamina, endurance and even flexibility. Try to do 3 to 4 cardio exercise sessions per week, each lasting 30 minutes long.

3. Diversify your training. Author Bill Pearl of “Getting Stronger”, a bodybuilding and weight lifting book, underscores the importance of altering or changing routines regularly. Change your training every four to six weeks to work out different muscle groups and keep your training sessions fresh and enjoyable.

4. Wear the right attire. Injuries can be avoided by wearing proper gym attire. Just make sure you are comfortable with your clothes and shoes. Consider buying quality training apparel and gear.

5. Measure your results. Measuring your results helps in increasing your motivation and long-term commitment because the practice allows you to see your progress concretely. Consider keeping a workout log, measuring your body before and after a workout, and taking photos of yourself to keep track of your progress.

6. Mental Training. You might think that weight training and bodybuilding is purely physical, but your training would also involve a great deal of your mind as well. You would need self-discipline to stick with your program. You would also need determination and concentration to go through pain and difficulties. You would inevitably develop mental toughness as you push yourself to your physical limits.

You would need to invest effort and time to get your desired results out of bodybuilding and weight training. You can achieve your results faster by creating a solid training program, follow your training schedule and by applying fundamental fitness principles.

Law Offices, Professional Image, and Marketing

Face it. Financial bottom lines are affected by the fact we live in a world that judges a book by its cover. Pretty singers sell more records, court cases rank higher in the news if the person is attractive, and politicians are elected based on their image as much any other factor.Looking at your own industry, don’t you have to fight the public’s perceptions? We see it on TV and in movies every day. More often than not, young lawyers, paralegals, and others just starting out in the profession are portrayed as cheap, petty, low-rent, and usually called “ambulance chasers.”It’s not right, but this issue of image is one that you have to live with and learn to work with.Let’s cut to the bottom line which is this: In today’s business climate, everyone should realize that a professional image is crucial to reputation and everyone could stand to improve theirs to some degree or other. It’s what you need to do to keep your individual firms alive. Therefore, let’s cover some opportunities for improvement using the acronym A.L.I.V.E.:Appearance – Your physical persona and the way present yourself.Letterhead – The level of professionalism demonstrated in your printed marketing materials.Information – Accuracy and honesty; the keys to presenting the data gathered during a case.Voice – How you communicate to everyone you’re associated with.Education – The continual improvement to your professional knowledge base.Appearance: People base a large percentage of their first impression on your appearance. When a client meets you for the first time, they’re sizing up your credibility, your ability as a legal professional, and deciding just how well you might conduct yourself in public. As the saying goes, you only get one chance to make a good first impression, so let’s look at a few pointers.Always dress in a professional manner. For men and women both, the attire should be “business professional,” which for men means suit and tie whenever possible, and for the ladies, business suits, nice skirt and blouse, or dresses. If you look unkempt or “second rate” the client will wonder how you’ll represent them while working their case.A close cousin to dress is personal grooming. Simply put, make sure your hair, facial hair, hands, nails, and teeth are all clean and well kept. By the way, how’s your breath? Always keep some mints handy.Another key opportunity to exhibit a professional image is in court. Make your trial presentations well-organized and polished works of art. You’ll notice down in our bio box we have a link to a free ebook that will help you create a very professional trial notebook.Letterhead: In some cases, the first contact someone may have with you might be one of your business cards. For our purposes though, “letterhead” refers to any printed material (paper or electronic) anyone outside your office might see.Business cards are a must. Make them distinctive, but with minimal content. Let your website or brochure carry the heavy content.On business cards, stationery, and your website stay away from trite, cliché, or negative icons such as someone running after an ambulance. In your web address, phone numbers, or email addresses, stay away from negative phrases like “[email protected].” These might seem cute, but to many potential clients, they’re a turnoff.For stationery, choose quality paper and have your letterhead and envelopes, as well as your contracts, professionally produced by the same people who do your business cards. Make sure their color themes match. Your local print shop or office supply store should have everything you need. If there’s any one place you want to spend a little money, this is near the top of the list.Stay away from blank notepads and manila folders. They’ll both get too messy too soon and not only will that make you look unprofessional and disorganized, but blank notepads make you look unprepared, and lost or disorganized notes lead to inaccurate reports and invoices. Invest a little time and/or money into buying or developing a comprehensive set of forms or an organizer system to use while assembling your case.Information: In the legal business, the glass is neither half full nor half empty. It’s 50%. And, unless you know what’s in it, don’t speculate. “Just the facts Ma’am.” One of the biggest opportunities for a good impression, and naturally the most important, is the timely delivery of honest, accurate, information. Nothing will kill your image, reputation, and livelihood, like incomplete, inaccurate, biased, or late case work. Likewise, an inaccurate invoice can cost you by being either too low or too high.Rule one is, always has been, and always will be, “Use a good case management system.” Make sure everyone working for you uses the same system, and that your standards of accuracy start at the beginning, and continues through the whole case and through any follow-up you may ever have with that client. Then treat all of your other clients the same way.Use nice presentation folders for all your reports; even the “small dollar” ones. Each client is important to you from a marketing standpoint and therefore deserves to be treated with respect. Putting your work product on better stationery, in a well-organized format, and in an attractive presentation folder will provide a greater perceived value to your client. These people have probably paid a hefty sum for your service and a more professional report will help assure them that it was money well spent.Voice: Voice is a general term used to describe not only the actual verbal communication you have with your clients and others, but the “tone” your business has with those it deals with.When you answer the phone, do so cheerfully and actually smile. You can tell when someone’s not happy to be on the phone and so can others. This phone call might be your first contact with the next big client, so make it count.If you can’t personally answer every call, the next best thing is to have a receptionist or answering service. A person is always better than voice mail. Go with what you can afford, but since the phone call is one of your opportunities for a first impression, anyone answering the phone should be trained to be courteous, cheerful, informative, and as professional as possible.Education and intelligence are just as necessary as a cheerful hello. You want people to know that you are every bit as qualified and capable as they could hope for. Therefore, when speaking with people, speak clearly, and choose your words carefully. They don’t have to be big words, but they do have to make sense, and grammar is important.The written word should follow the same rule. Make sure your business cards, letterhead, brochures, reports, invoices, and all other written documents use correct spelling and proper grammar. Though your client may be enamoured enough with your abilities as a legal professional to overlook a minor grammatical error, you never know who else of importance might see your report or correspondence.Education: Here we continue where your writing skills leave off and cover the actual knowledge or skill base upon which your legal expertise is founded. Experience is the best teacher, but classroom education can certainly help keep you informed and up to date. Also, the fact that you are continually updating your expertise is impressive to most potential clients.Many states require continuing education. If your state does, you should publish this fact in your firm’s literature. If your state does not require CEU, you should still take it upon yourself to keep your own training updated and make that fact a prominent component of your marketing materials.Join professional organizations where possible. Many of them will offer various classes and training programs and the benefits of networking are considerable.Keep your library stocked. Many people learn as much from books and videos as they do in a classroom setting.As you attend some of these educational functions, take the opportunity to look around you and either further your own education on this issue of appearance by studying your colleagues, or help improve the way they represent you by helping educate them as to the benefits of a more professional image.