« »

Saturday, December 10, 2016

An insider's guide to auctioning for a car

Auto auctions are an opportunity to find dream cars
By Lillian Connors

Car auctions usually attract two types of bidders. Low-riders who want to bid for the high-end classic cars and penny-wise drivers who want to buy a reliable used vehicle for an affordable price. When it comes to auction rules, high-end auction events where you can buy a 1967 Ford Mustang and online auctions that sell Corollas and Altimas are basically the same. They are usually based on the open ascending price auction concept, where contestants are trying to outbid and outsmart each other, by offering a bigger sum.

During these dynamic and passionate struggles many bidders become delirious and end up with an overpaid car wreck. This comprehensive guide will help you to outbid your opponents and buy a reliable used vehicle on a public or online auction.

Choose the right auction

There are two types of auctions that sell regular used cars. Government auctions sell old government cars, police cruisers and taxi vehicles. These cars usually come with a known background and high mileage, so government auctions are not the place where you’ll find a well-maintained used vehicle.
Public auctions are organized by dealerships and auction houses. There, you can find much better deals, but you should stick to the well-known and respectable auction companies. You can recognize them by their elaborate online vehicle catalogues, allowing you to review the current auction offers, choose your favorite vehicles and place bids.

Review the auction catalogue

Auction inventory give astute buyers a head start
The auction catalogue is your prime source of information about the offered vehicles. Most online catalogues come with similar categories that range from model specs to vehicle condition assessments, we learn from the guys behind Slattery Auctions. These assessment are sometimes conducted by auction house mechanics, but in most cases the data is simply entered by vehicle owners. You can use auction websites to inquire about your favorite cars, but most experienced bidders rely on personal inspections.

Examine the desired vehicle

If you’ve ever bought a used vehicle, you know that personal inspection is the most important part of the purchasing process. Before meeting the auctioneer or the car owner, check the cars’ value on the Kelley Blue Book.

You should keep in mind that the owners who sell their cars in ‘As is’ condition don’t offer any warranties. These cars have very low starting prices, but they usually come with much higher mileage and one or a few engine defects.

Bidders who don’t know much about cars, should definitely hire a professional car mechanic, who will inspect the car’s engine, transmission and brakes. You can check vehicle’s exterior yourself, by looking for dents, scratches and corrosion. When doing this type of check, don’t believe in everything you see. Sellers often use wax, polish, spray and touch up paint, to make their cars look shiny and spotless. Used cars are never as good as they look.

Bidding

If you attend the live auction event, find a place where you can be seen by the auctioneer. Observe other bidders during the process and look for suspicious actions. Bidders who are too active are often hired by car owners in order to surge up the vehicle’s price.

Online car auctions require completely different skills. One of the ways to secure a winning bid is to place it the moment after the auction closes. If you don’t have the time to follow the auction process, you can download a sniper program that can keep track with other bidders, and place bids up to the amount of money you’re planning to spend. Keep in mind that bidding can be very addictive. Don’t get carried away during the process, because you will spend hundreds of dollars more than the car’s actual worth.

If you manage to outbid your opponents, most respectable auction houses will deliver your new car to your address. If you’ve bought a pricey vehicle ask them to transport it in an enclosed trailer, so you don’t need to worry about shipping damages.


Author the Author: Lillian Connors believes that the question of business goes far beyond the maximization of profit through different money-grabbing ploys. Instead, she likes to think that ethical principles should be at the core of every commercial venture, paving the way for much more balanced distribution of wealth on a global scale. You can check her out on LinkedIn.

Images: Author owned and licensed

Thursday, December 8, 2016

4 ways to avoid rushing in to taking a loan


Aggressive advertising encourages impulse borrowing
By Dan Radak

Loans are one of the most important business cornerstones that commercial financial institutions rely on. They want to attract as many people as possible to their special offers, because that’s the easiest way for them to make money. What’s more, many people just rush into taking a loan without any deeper thinking, due to aggressive advertising campaigns. So, here’s how you can prevent yourself from taking a loan you don’t really need.



Saving money as an alternative


The most frequent cause of opting for a loan is the wild desire to buy something on the spur of the moment. This is particularly the case in the pre-Christmas shopping season, when we’re under constant advertising raids. However, when you think about it for a moment, nothing has to be bought immediately, except for the food and the clothes. In addition, the rent and the bills could also be added to this list. All other items can wait. In line with that, when you notice a product you need, start saving money for it and buy it only when you’ve saved enough cash. To achieve that goal, you’ll need to improve your saving and spending discipline, which is why using a financial app is an extremely smart thing to do. Check some of the apps presented by Forbes and find the one that meets your needs.

Compare various lenders


Lenders compete with interest rates and special promotions
Every employed person has to have an account in a bank. Therefore, the most logical thing to do when you’re considering a loan is to inquire about the conditions in the bank whose client you already are. The advantage of such a way of thinking is that banks usually offer preferential interest rates to their long-term clients.

Nevertheless, sometimes you might get a better offer from other banks. For instance, when they launch promotional campaigns with low-rate loans, it could be a less expensive solution than a loan in your own bank. However, be careful, since your bank won’t approve of such a “betrayal”, which could lead to worse conditions for the services you might need from them in the future.

Clear your debts


No matter what institution you turn to for a loan, they’ll make an evaluation of your credit score. For that reason, first take care of your old debts, so that you can appear before your future lender with a clean slate.

Moreover, it would be smart to prioritize the previous debts. For instance, start with the most expensive ones or the ones that eat the largest chunk of your income. Also, you could use a few smart words from Clean Credit pundits when it comes to paying your old debt and regaining financial stability at the dawn of a new loan. Simply put, having a professional counselor by your side is always a practical solution when it comes to finances.

Look for friends & family solutions


People are often too proud to ask their friends and family members to lend them money. However, this attitude is wrong for a number of reasons. Firstly, why wouldn’t you ask someone you’re close to to help you out in a difficult situation? You would do the same thing for them, wouldn’t you? As a matter of fact, it’s flattering when someone trusts you enough to ask you for a loan.

Secondly, dodge wasting your income on high interest rates whenever you can. Still, even if you borrow money from a friend or a relative, suggest that this loan includes some sort of an interest rate, to preserve a business relationship. For instance, it could be activated if you miss the payback deadline. Such an agreement would keep you disciplined.

Finally, don’t mention your financial affairs in private conversations, especially in front of other family members or friends. It’s another way of separating the business and personal relationship with those people.

Unless it’s a matter of life and death, there’s no need for an urgent loan. So, never fall for call-to-action commercials or impulse buying. On the contrary, plan your budget carefully and if you really decide to take a loan, do it in accordance with our guidelines.


About the author: Dan Radak is a marketing professional with ten years of experience. He is a coauthor on several websites and regular contributor to BizzMark Blog. Currently, he is working with a number of companies in the field of digital marketing, closely collaborating with a couple of e-commerce companies.

Images: Author owned and licensed

Thursday, December 1, 2016

How to choose the right personal injury attorney

The right personal injury lawyer could secure a settlement
Personal injury lawyers assist clients with settlments
By Bart Costello

You have been in an automobile accident. While no one was hurt, the other driver, whose car was totaled, claims you are at fault and follows through on a scene-of-the accident threat to take you to court.

Few in Boulder will ever face this situation. But if you do, you should hire a trial attorney. But with no concrete place to start, you can get overwhelmed by the number of attorneys in the area, especially with so many making promises of success.

So how do you filter through the hype and find the right one for your case?

 Referrals


First, get referrals. Check with friends, family members and coworkers for their personal experiences. 
If you have any attorney friends, this would be another credible resource. 

While you should also check websites of local attorneys, a potentially great local source is the Boulder County Bar Association. Their webpage includes a ‘Find an Attorney’ tab, which gives local attorney names listed by specialty.

No matter how strong the recommendation or how great the resume, make sure you follow-up each possibility with a personal face-to-face consultation. With each interview, you will gain more confidence in what kind of attorney you are seeking. And these initial consultations should be free. If not, you should probably walk.

The initial meeting


In that first meeting, discuss with the prospective attorney how he or she might handle the case. To show you are serious, make sure you bring copies of all relevant documents, including the police report, any pertinent medical records and all correspondence between you and all interested insurance companies. Watch the attorney’s body language, listen for philosophy, and begin determining if your goals mesh. Mentally ask, “Can I work with this person?” Also, “Do I want this attorney handling my case?” Finally, "Can I see this person fighting for me?"

The interview


You should have your questions ready, and rehearsing them with a friend a time or two wouldn’t hurt. Some standard questions include: How long has the attorney been in practice? Approximately what percentage of the firm’s practice includes personal injury cases? Does this lawyer more often represent defendants or plaintiffs? Are you interviewing the actual attorney who will represent your case, or will it be passed on to a less-experienced lawyer? If that’s the case, ask to meet that lawyer, too. How long have you been in practice? What fees can you expect?

Settlement goal


As the interview nears its end, ask the attorney how much he or she thinks your case is worth, and a guess as to the difficulty in recovery. Keep tabs on this question at each interview. And follow-up with, “How did you arrive at that figure?” You will especially want to note if one gives numbers wildly different than the others.

This level of preparation is a lot of work. But all the organizing will be worth the effort. Even selecting the right attorney doesn’t mean you will win, of course. But you will go into battle feeling confident that you have maximized your chances for a positive outcome.


About the author: Bart Costello is the founder of Injury Law. Bart is passionate about helping people. He has built a strong reputation over the last thirty years as one of the premier Boulder personal injury attorneys.

Easy books to educate yourself about going green

By Edusson Writers

What difference would going green make?

Going green is fast becoming a common trend that many people all over the world are embracing. This is not farfetched from the fact that dangers of not going green outweigh that of going green. Going green is everywhere – in the news, technology, healthy eating, and even fashion. Everything we do directly or indirectly affect the planet in a negative or positive way. By making little changes on what you buy, where you live, how you use the light in your home, etc can have huge impacts on making the world a better place for all of us.
There is only one Earth, and the way we live will effect our planet for years to come
Sustainable agriculture helps the Earth and humans in the long term
Image: Lynn Tucker and Astrid Erasmusen: New Zealand Institute for Crop and Food Research

There are also a lot of health issues that are posing as challenges to the medical profession. Incurable diseases abound and study has traced most of these diseases to the lifestyle we live. We found out that there are many people who want to go green but do not know what to do. This is why we have marked out easy books to educate you on going green.

Benefits of going green

When you go green, you will eat better and treat the environment better. Little baby steps you can take in going green includes, switching to organic foods, embracing recycling, turning down the thermostat, reducing your exposure to greenhouse gas emission among others. The obvious benefit is that you can reduce your chances of suffering from cancer or other health challenges that have defied medical intervention. You will also save the environment and protect the ozone layer that has been drastically battered. To help you make this transition, you will need easy books to educate you on going green.

6 books on all you need to know about going green

1. Easy Green Living: The Ultimate Guide to Simple, Eco-Friendly Choices for You and Your Home by Renée Loux. This book will show you simple adjustments as well as steps you need to make to launch you into the world of green living. It has been endorsed by many.

Eco-friendly books help raise awareness
2. Clean House Clean Planet by Karen Logan is the next book we recommend. The book exposes the dangerous things you have in your home that aren't as innocent and harmless as they seem. You will be surprised at the discoveries you will make with this book.

3. Let's Garden: A Step by Step Introduction by Clara Lidstrom. Chances are that you have read about going green and are all excited about kicking it off. One major step in going green is in your eating habit. So, what this means is that you may have to start growing your own food which is the only way you can be sure that you are eating organic. You may wonder how to go about it since you probably don’t have a garden or an empty space. This book will open your eyes to ways you can grow your food from scratch even in make-shift containers.

4. Hands-On Healing Remedies: 150 Recipes for Herbal Balms, Salves, Oils, Liniments & Other Topical Therapies by Stephanie L. Tourles. Instead of relying on over the counter drugs for topical therapies, this book will show you how to make use of things you already have in your home to safely take care of first aid treatments.

5. Grow Your Own Drugs: Easy Recipes for Natural Remedies and Beauty Treats by James Wong is one of the easy books to educate you on going green. It is very resourceful and will be of great help to you.

6. Go Green, Spend Less, Live Better: The Ultimate Guide to Saving the Planet, Saving Money, and Protecting Your Health by Crissy Trask will teach you how you can save money while going green.
By embracing greener lifestyle, famous essay writers help us to live better, your bank account will swell, you will live a quality life and you will make better choices that will affect your generation to come.

About the author: The article was written by Edusson writers.

Image 1: CC BY 3.0;  2. Geralt/Pixabay, US-PD