Posts tagged with "financial"

Three Top Tips on Buying Your First Car

As soon as you pass your driving test, all you want to do is get out on the roads in your very own car. As exciting as this time may be, however, it’s still highly beneficial to exercise a bit of caution and patience. When it comes to buying your first motor there’s nothing smart about rushing in– doing so will see you face more problems further down the road.

Exercising caution doesn’t mean being inactive when it comes to finding the perfect car for you, though. You should still be proactive at this time, and you should still try to set up your life as a driver in the most fruitful way possible. To find three top tips on how to buy your first car in the right way, read on.

1. Sort out the financial aspects of the venture

Before you do anything else in your car-buying venture, you need to work out your budget as well as how much you are willing to spend. This is essential because it’ll stop your spending from spiraling out of control, no it’ll help you avoid paying too little and then having to face any buying regrets further down the line.

You also have to take future running costs into account. It’s no good just factoring the cost of the car into your financial plans. You also have to deliberate insuring the vehicle, getting it taxed, getting it tested, and then having work done to it to ensure it is roadworthy.

Something else that you must consider is how you are going to pay for your car. Are you able to buy the car outright, or will you be going down the financing route? Regarding the latter, if you wish to take out a car loan to cover your bill, then you should check out the best auto loans at Crediful.com. Doing so will help you make the most informed decision on the matter possible.

2. Be scrupulous when it comes to checking your chosen car

You may think that you have found the perfect car for you, but that might not necessarily be the case. Any vehicle can be made to look and sound good on the outside, but you cannot commit to anything until you’ve meticulously checked that your chosen car is in good working order. That means checking to ensure that the quality of your car is in keeping with its age, its model, and the number of miles it has to run; this means ensuring that the car can carry out all functions and purposes expected of it; and this means it matches its descriptions exactly. If you can’t perform these tests yourself, then have a trusted mechanic carry them out for you. Only then will any underlying problems with the car be unearthed, and only when these troubles are unearthed can you stop them from becoming actual headaches of yours.

If you want your first car to truly help you in your quest to grow as a driver, then it needs to be in full working order. Taking the above advice is the first step, but there is something else that you must do: take it for a spin. Only when you get behind the wheel yourself can you get a feel for the car’s capabilities. When you take it for a ride, you should test the clutch and the brakes to ensure they do not feel worn, you should head to a road where you can hit at least 60mph to ensure it is capable of high-speed driving, and you should make sure that the steering wheel does not vibrate while you drive.

3. Don’t trust everybody’s advice

As an inexperienced car owner, you will experience plenty of people sticking their nose into your car-buying business. The family members and friends of yours who own their own cars will try to give you an insight into car buying — their advice might come with the best of intentions, but they don’t know your situation quite like you do. There will even be car dealers out there who try to push you towards certain buys — the advice they give will be very much designed to sway you towards lining their pockets. This all means that the only person that you can really trust in this situation is yourself, and you’re the only one who can bring about the best results for you.

 

Your first car will always remain a favorite of yours, even after many years (and cars) have gone by. Be sure you invest in a car that’ll last for many years so that you do not have to worry about further expenses.

3 Top Tips on Buying Your First Car

As soon as you pass your driving test, all you want to do is get out on the roads in your very own car. As exciting as this time may be, however, it’s still highly beneficial to exercise a bit of caution and patience. When it comes to buying your first motor there’s nothing smart about rushing in — doing so will see you face more problems further down the road.

Exercising caution doesn’t mean being inactive when it comes to finding the perfect car for you, though. You should still be proactive at this time, and you should still try to set up your life as a driver in the most fruitful way possible. To find three top tips on how to buy your first car in the right way, read on.

1. Sort out the financial aspects of the venture

Before you do anything else in your car-buying venture, you need to work out your budget as well as how much you are willing to spend. This is essential because it’ll stop your spending from spiraling out of control, and it’ll help you to avoid paying too little and then having to face any buying regrets further down the line.

You also have to take future running costs into account. It’s no good just factoring the cost of the car into your financial plans. You also have to deliberate insuring the vehicle, getting it taxed, getting it tested, and then having work done to it to ensure it is roadworthy.

Something else that you must consider is how you are going to pay for your car. Are you able to buy the car outright, or will you be going down the financing route? Regarding the latter, if you wish to take out a car loan to cover your bill, then you should check out the best auto loans at Crediful.com. Doing so will help you to make the most informed decision on the matter possible.

2. Be scrupulous when it comes to checking your chosen car

You may think that you have found the perfect car for you, but that might not necessarily be the case. Any vehicle can be made to look and sound good on the outside, but you cannot commit to anything until you’ve meticulously checked that your chosen car is in good working order. This means checking to ensure that the quality of your car is in keeping with its age, its model, and the number of miles it has run; this means ensuring that the car can carry out all the functions and purposes expected of it; and this means it matches its description exactly. If you can’t perform these tests yourself, then have a trusted mechanic carry them out for you. Only then will any underlying problems with the car be unearthed, and only when these troubles are unearthed can you stop them from becoming actual headaches of yours.

If you want your first car to truly help you in your quest to grow as a driver, then it needs to be in full working order. Taking the above advice is the first step, but there is something else that you must do: take it for a spin. Only when you get behind the wheel yourself can you get a feel for the car’s capabilities. When you take it for a ride, you should test the clutch and the brakes to ensure they do not feel worn, you should head to a road where you can hit at least 60mph to ensure it is capable of high-speed driving, and you should make sure that the steering wheel does not vibrate while you drive.

3. Don’t trust everybody’s advice

As an inexperienced car owner, you will experience plenty of people sticking their nose into your car-buying business. The family members and friends of yours who own their own cars will try to give you an insight into car buying — their advice might come with the best of intentions, but they don’t know your situation quite like you do. There will even be car dealers out there who try to push you towards certain buys — the advice they give will be very much designed to sway you towards lining their pockets. This all means that the only person that you can really trust in this situation is yourself, and you’re the only one who can bring about the best results for you.

Your first car will always remain a favorite of yours, even after many years (and cars) have gone by. Be sure you invest in a car that’ll last for many years so that you do not have to worry about further expenses.

Staying Healthy When The Temperature Drops

Staying healthy can be a challenge when the temperature drops, we all know the feeling of being unprepared for the bitter winter wind and then catching a cold a few days later. With an abundance of medicines helping us to rid the cold faster, it may seem tempting to take out a quick unsecured loan to get you all the latest supplements and medication. However, with these loans in place for financial emergencies only, this is now a thing of the past! Here we are going to give you some top tips for staying healthy when the temperature drops, without breaking the bank.

Sleep

When tackling the winter months it is important to get plenty of sleep in order to strengthen your immune system and fight the infection as the number of germs increases. With the nights drawing in and getting darker earlier, there is plenty of time to rest up to help reach your recommended 8 hours of sleep per night.

Stay Warm

Another way of ensuring that you stay healthy during the winter months is to keep as warm as possible. Although the weather outside may seem bright and inviting, do not be fooled! The weather outside can still be bitterly cold, which can lead to you becoming ill if you do not stay as wrapped up warm. Get yourself a winter coat, a hat and a scarf as this will help you to stay warm and fight off any potential infection. In addition to this, drinking warm beverages and eating warm food can also help you to feel better and ensure that you are healthy throughout winter.

Eat Healthy

Arguably one of the most important ways of staying healthy when the temperature drops are your diet. Although it may seem tempting to go for all the unhealthy treats, many forget to focus on the vegetables and healthy alternatives. If your diet is balanced with a large number of fresh vegetables then you will get the vitamins that you need to help fight infection and help to keep you healthy against typical winter illness, such as the common cold.

In addition to this, staying hydrated during this time of year is also important, as it will help you to concentrate during work hours as well as allow you to maintain healthy bodily functions.

Avoid Caffeine

Caffeine is something that most people run to when it is cold outside. With the long, dark working days, it can be hard to get up in the morning when the bed is so warm, that is why most opt for caffeine at work and throughout the course of the day to stay warm. However, this could be making it worse! Although it may seem tempting to reach for the tea and coffee, it is best to keep to one or two cups a day and replace the rest with something warm such as a mug of soup.

Not only does caffeine have an effect on your concentration levels, but it also has a negative effect on your mood and your immune system.

As you can see, it is easy to look after yourself during the winter months without having to spend a fortune on supplements or medication.

ELLE Canada September Issue

ELLE Canada’s September 2018 issue features Tracee Ellis Ross as our cover star in a high-fashion photo shoot inspired by the best of the fall 2018 runways. In a playful and politically charged interview, Ellis Ross—who was recently nominated for an Emmy for her role on hit sitcom Black-ish—opens up about her love of fashion, growing up with Diana Ross, what she does with her downtime (including her secret to the best salads) and how she really feels about aging.

“I don’t want to feel like I’m hostage to an Instagram version of myself. My belief is that all these lines on my face and neck and the softness in my legs and my body are evidence of a life lived.”

Other issue highlights:

• Trend Report: Every trend we’re obsessed with this fall.

• ELLE Guide: How to create and define your own signature style.

• Feature: Are you being financially unfaithful to your partner?

The September issue of ELLE Canada, featuring Tracee Ellis Ross, hits newsstands on August 6, 2018.

MagnaReady × Stylish Options × Disabilities

There are over 50 million adults in the United States with a disability or health condition that limits their mobility in some way.

As we age tasks that used to be simple that we could complete without thinking twice about it become more challenging. Just turn on late night or early morning television and you will see dozens of informercials for gadgets that make it easier to hear, read, open jars, you get the idea. Until recently though, no one had come up with a practical way to make it easier for arthritic hands, someone who is missing an arm or fingers, or someone with another type of limitation to their mobility to grip and maneuver buttons into buttonholes.

There are those loop gadgets you can use to snag the button and pull it through a buttonhole, but those are not necessarily a time-saver and can still be very hard for some people to use. Unfortunately, it took a diagnosis or Parkinson’s disease to create an alternative option. Maura Horton created her patented magnetic closures for clothing after her husband, who was a college football coach, started to struggle with the buttons on his dress shirts. Because his job required him to travel with the team, Maura could not always be there to help Don. Instead of buttons, she thought why not magnets that would essentially be able to button his shirt for him?

It took some time to research and find the right type of magnets and perfect the design, but eventually Maura was able to create a dress shirt that looked no different to the unknowing eye, but that could restore independence to someone with upper body mobility challenges. Now, the patented MagnaReady magnetic closure technology is used in pants, polos, long sleeve dress shirts and short sleeve camp shirts, creating clothing options that are an intelligent and stylish choice for seniors or people with mobility difficulties of any age.

360 Magazine, MagnaReady360 Magazine, MagnaReady360 Magazine, MagnaReady

Why Dakota’s Thriving Economy Could Be a Good Bet

There are a number of factors that help decide whether a location is likely to be prosperous should you decide to set up home there. A recent study by Play USA took a look at all 52 states in the US and came up with a list of the ones that are thriving economically.

While states such as Alaska and Nevada may not be worth the gamble, you might be surprised to find that North Dakota, Washington and Massachusetts made it to the top of the table. All three have the fastest economic growth over the last decade and, according to the research, could well be pretty good places to settle down.

It’s long been known that the state of the economy in the location where you live is closely linked to your potential financial wellbeing. If you’re tempted by the prospect of the big city, however, you may be perplexed to find that New York lags a way behind states such as North Dakota.

The research looked at different parameters including growth in GDP, the rise in students going to college and percentage increases in house prices. Along with the number of new business that have started over the last ten years and levels of household income and employment opportunities, the list gives a good idea which states are currently the most prosperous in a purely economic sense.

The Top Five States With the Best Economic Prospects

  1. North Dakota: With a growth of 5.83% in new businesses and GDP up by 7.36%, it’s a surprise to find this state on the list. Growth has been driven by the oil industry over the last decade and this has led to a strong economic profile compared to many other states.

  2. Washington: Employment is up by just over 3% in the Garden State and household income has increased by 3.39% over the last ten years, some of which has been driven by the development in the information sector.

  3. Massachusetts: The state has seen a 3.42% increase in college admissions, which usually means that economic health is good, as well as boost to GDP of over 4%. Local household income took a big rise just before the financial crisis and jumped up 6%. Overall, it’s risen by 3.69% in the last ten years.

  4. California: You might expect this state to be on the list and that’s born out by a college admission growth of over 7%. Employment has also increased in a pretty healthy manner and is up by 3.35%.

  5. Missouri: Another surprise on the list, a 5.46% rise in new businesses indicates this state is the place to set up a company. Much of this has been due to high tech industries moving into the area.

The research was carried out using 6 measurements that point to good economic health between 2007 and 2018. You can view the full infographic on the Play USA website as well as download more detailed information about the performance of different states.

Missouri, California, Massachusetts, north Dakota, Washington, 360 MAGAZINE