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[S640]Sniff N The Tears Drivers Seat

by Christine Macguire, Chr

What's your driving pleasure…a powerful truck, a luxurious sedan or a colorful sports car? There are a myriad of questions in most car shopping experiences pertaining to which make, model, color, and options to buy. But what about questions pertaining to what you can afford, what interest rate you will pay, and whether zero percent or cash back is the better option? Buying a car can be a frustrating process. You should be well aware of the fundamentals of auto financing and the process of getting a car loan.

A car loan is usually a large lump sum of cash granted by a financial institution for purchase of your car. For many households, auto loans are a necessary part of life. Frequently, people decide how much they will spend for a vehicle based on the highest loan amount and longest repayment period they can obtain. The situation in the car financing industry has historically been less clear with the relative increase in the variety of funding sources. More efficient funding methods have been based on the credit worthiness of the customer and not on the bank.

Generally, there were two types of lenders in the automobile financing business, banks and captive finance companies. Captive finance companies are essentially lenders owned by an automobile manufacturer. The business of captives is to provide financing for customers through dealerships. On the other hand the banks both small and large view automotive financing as another service to their customers and also a consumer credit dimension to their portfolio. In this competitive market, the emerging Internet lenders offer another form of direct lending.

Whether purchasing or refinancing your automobile a lower monthly repayment rate is obviously what you will look for. Once you've found your vehicle, go to the dealer offering the best deal. Often your best deal could come from taking the dealer rebate and financing your vehicle through proper channels. Know ahead of time what you're willing to pay, whether or not you want an extended warranty or options, and, most importantly, be prepared to negotiate with your dealer.

Car-dealer fraud is on the high rise. The tactics being used are so sly that even informed consumers who do their homework are being taken for hundreds, and often thousands, of dollars. These scams add many millions of dollars each year to the profits of car dealers at the expense of consumers. So it is extremely important that you know what you plan to spend before you shop.

Planning your auto purchases properly over the long term in a way that enables you to stagger your loans, save on interest, and even set money aside for your next down payment can help you avoid straining your budget and stressing yourself. Never make the mistake of rushing into buying without thinking. Dealers are concerned about their profits, not your budget. Seek out actual transaction prices, dealer invoices, resale values and incentives. Resist the pressure to buy, slow down, and get into the details. Ask lots of questions about what is contained in the price, the limitations, and exclusions of any services or products.

Winning at the car buying game doesn't take any special expertise or university degrees, just common sense and a bit of time and effort. Never get baffled by the warranties, extras, free insurance, part-exchange prices, road tax and other great assurance put by the dealers. Learn your auto financing options and get the best deal on your new or used car loan.

Different employees need to be rewarded in different ways. You may wish to rewarded in different ways at different times of your life and career.

For example if you are a person who is newly married and saving for a home the best reward for you may be an increase in pay.

However s several years later with a young you may felt that the best rewarded is time off or 3 day weekends in the summer to better spend precious time with his family.

Good managers and supervisors are flexible in their reward tactics. Employee recognition and reward programs are often now be seen as an investment rather than an expense.

Traditionally recognizing superior job performance beyond the old fashioned compliment and occasional bonuses has previously not been a priority or concern in most Human Resource (HR) departments,

And to make matters worse often bonus or reward programs were changed in midstream.

This changing of the rules was often done arbitrarily on the whim of ?management privilege? causing frustration on the part of employees and often great resentment. As a result morale suffered often in the most productive employees on staff. It is often said that 85% of the results in any organization and certainly the role models of new employees come from the top 15 % of staff.

You should be aware of a major trend that is brewing in the workforce.

Masses of the most senior, experienced employees that were born during the ?Baby Boom? are getting ready for their retirement and thus exiting the work force.

As a result many job seekers and employees are becoming increasingly sophisticated in their employment expectations,

What can you ask for from your management superiors and as well look for in their hiring process?

Employment recognition , awards and remuneration come in many varied forms ? from simple salary increases , bonus structures , physical rewards of course such as shiny plaques and art work ,

Employees can be rewarded in ?point to point reward programs for high end merchandise, memberships in elite clubs and health clubs can also be a form of remuneration to look for.

As well you could be rewarded as an employee by expensive dinners, sports tickets, vacations and of course physical cash bonuses.

However be aware of awards that are ?not rewards ?well at least to you.

The interviewer or manager may speak strongly of a ?trip ?to some exotic location such as Hawaii or Fiji. However once there it turns out that this trip is actually a ?Moonie company indoctrination ?session where you are held captive in an isolated resort compound: You will be lucky if you see the light of day outside of the ? meeting? and in the evening slave over so called vital ?reports? and assignments .. So much for the ?trip? being a reward.

In the end as in life the simple things are really what to look for in the hiring and employee recognition process.

Either some form of effective increased salary ? be it a simple salary or bonus structure , increased time off ? vacations , 3 day weekends, shorter day periods or a benefit that you would otherwise have to pay out of your pocket ? for example a company car , lunch allowance or a paid health care plan are best.

At the worst as your grandmother may have told you ?When in doubt give cash ?.

Article Source : Pg. 55

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Both Christine Macguire & Shaun Stevens are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Christine Macguire has sinced written about articles on various topics from Cars, Software and Computers and The Internet. . Christine Macguire's top article generates over 4400 views. to your Favourites.

Shaun Stevens has sinced written about articles on various topics from Interview Questions, Business Plan and Leadership. Shaun StevensAce Employment Services AgencySenior Consultantcall_kirk@hotmail.comwww.aceemploymentservices.netwww.ace-training.net. Shaun Stevens's top article generates over 60500 views. to your Favourites.