Getting to work can feel like a job all on its own if you have a killer commute to tackle every day. Commuting on your own, carpooling, or using public transportation can get you where you need to go while draining away your energy for the upcoming day. Commuting can be especially frustrating if you’re one of the workers facingtravel times of an hour or more both ways every day. Fortunately, you can snag your productivity back from the jaws of your commute. Check out these tips for staying productive during your commute so you can make it to work ready to seize the day. Stay Focused and Protect Your Motivation Driving on the same roads every day and battling traffic can drain away your energy, leaving you tired before you even get to work. Keeping your mind sharp can help ensure that you will be motivated to get through the workday by the time you arrive at your destination. You can beat back the energy drain of commuting by: Staying Mindful You stay mindful byfocusing on the present moment. Try to avoid letting yourself drift during a commute. Staying present might involve focusing on: · Physical Sensations · The Sounds of the Road · The Sights Around You Mindfulness can also make it easier for you to accept frustrating parts of your commute, like slow traffic or bad drivers. Engaging Your Body Exercising during your commute might not sound feasible, but there are small exercises you can do to stay energetic. You can do a side twist by slowly twisting your torso from side to side. You can also practice hand-squeezes. Some people even choose towalk or bike for part of their commute to stay active. Focus on the Day Ahead Commute time can give you a chance to plan out your upcoming day. Rehearse any speeches or presentations you need to make. You can list out your goals for what you want to accomplish at work and go over them. Take a moment to breathe deep while you’re planning out your accomplishments. Increase Your Commute-Time Productivity Some commuters spend an hour or more getting to and from work every day. You can reclaim this time and use it productively in several ways. Planning is the key to making your commute productive. Make sure you get the most out of your trip by: · Making Sure All Your Devices Are Charged · Packing Extra Battery Packs · Gathering All Your Supplies · Planning Tasks You Want to Accomplish It’s important that you have a plan to guide your work, as this can keep you from getting distracted and disheartened on the road. Knowing what you plan to accomplish will help you stay focused and productive as you travel. Depending on your commute method, you might be able to use your travel time to: Strategize Your Work Commuting often doesn’t allow for a lot of hands-on work. But it does give you time to take a deep breath and think about your overarching goals at work. Taking time to come up with a strategy means you’ll arrive on the job ready to go out and seize the day. Staying productive might involve a daily session of strategizing and reviewing your options. You can: · Brainstorm Ideas · Go Over Your To-Do List · Explore New Ideas Handle Catch Up Work Do you have an inbox full of messages that need replies? You can knock out messages if you’re using public transportation or a ridesharing service for your commute. You can clear up these time-consuming tasks during your commute to free up work time for more in-depth activities. Learn Something New Podcasts, audiobooks, and online language learning options make it easy to broaden your mind during your commute. You can focus on information directly related to your job or branch out and explore new information. Anyone can listen to something, which makes this a great option if you’re behind the wheel during your commute. You also have the options of bringing along newspapers, magazines, or books to read while someone else drives. Record Your Thoughts and Ideas Don’t forget to keep track of your moments of inspiration during your commute. If you aren’t behind the wheel, you can write down plans and strategies. If you are driving, you can use voice capture to speak your thoughts aloud and ensure they’re recorded. Keeping track of the work you do on the road can help you stay motivated. You’ll then be able to see the direct benefits of your commute-time work. Many of us don’t look forward to our daily commutes. Travel time can feel like a drain on your energy levels before you ever get to work. Fortunately, you can handle your killer commute by staying focused and productive. Make sure you’re ready to take charge by turning your commute into a time to plan for the day, handle important tasks, and learn something new. The post Killer Commute? Here’s How to Stay Productive appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/killer-commute-heres-how-to-stay-productive/
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Hilton Head, S.C. is an island escape without the overseas flight. Located off the coast of South Carolina, Hilton Head mixes the charm of southern hospitality with the luxury of paradise. This island destination is popular with tourists who are looking for amazing beaches, great food and family entertainment and recreation. But, for couples, Hilton Head also is the ideal retreat for a honeymoon or just for a romantic escape. More than 40,000 residents call Hilton Head home, and, while this population isn’t exactly super small town, it’s also not as busy as bigger cities like Charleston. Hilton Head isn’t lacking in excitement, and visitors will find that the island features a long list of activities, sites, sounds and tastes to stay busy for an extended vacation. Of course, an island vacation means fun in the sun…and on the beach! Plan to spend time enjoying the sand, surf and beautiful weather. But when you want to venture out, here’s everything to do, see, eat and enjoy when visiting Hilton Head Island. Outdoor RecreationTemps range from the high 50s (in January) to the high 80s during summer; so no matter what time of year you visit, plan to spend some time enjoying the nice weather outdoors. Although, you probably won’t want to swim in the surf during winter…unless you bring a wetsuit! See the DolphinsTake a cruise to see the dolphins frolic in the ocean. Several companies offer dolphin cruises and there also are different cruise options! Prices, and cruises begin in March and run through November. Water SportsOutside Hilton Head offers many opportunities for families to get out and play in the water. Take the familywater skiing (on calm waters), go kayaking, try surfing or take a serene fishing trip. Water sports are great opportunities for bonding and family fun! Prices vary per experience. Visitors also can rent boats, kayaks, paddle boards and jet skisat Sea Monkeys Watersports. The company provides nature tours, too! A View from AboveLooking for a unique vacation adventure?Take a helicopter tour to see the island from above. Thrill seekers can choose to take the tour with no doors on the helicopter! Take the family or make it a romantic journey; this is also an amazing way to pop the question! Prices vary per tour package. Great Golfing!Hilton Head Island is an ideal destination for golfers. So, if you’re looking for the links, there are many golf courses available for play on the island. With the selection of courses available, you can choose the public course that’s right for your style, price point and ability. BeachesNo matter what time of the year you visit, you’ll want to stroll along one of the island’s many beaches. No trip to an island is complete without walking along the shore and watching a beautiful sunset…or sunrise. During the summer, play in the waves and enjoy the sun and sand. If you’re taking the kids, don’t forget to pack shovels and materials to make sand castles. But if you forgot those sand toys, just head to a local store to stock up. Depending on where you book your stay, your hotel or resort may be located on a beachfront. However, if you’re not staying on the beach, there are many public beaches to explore on the island.According to Discover South Carolina, those staying at the Marriot Grande Ocean Resort can easily walk to Alder Lane Beach. Other public beaches include Coligny Beach, Burkes Beach, Driessen Beach Park, Fish Haul Creek Beach, Historic Mitchelville Freedom Park, and Islanders Beach Park. Choose the beach that’s closest to your vacation rental, B&B, hotel or resort! MuseumsYou can’t stay outdoors all day; well, ok, you can, but there is way too much left to explore on Hilton Head! Whether you want to gaze upon fine art, play with hands-on exhibits or need a place to explore with the kids, be sure to pay a visit to these great museums and cultural venues. The SandboxDon’t be afraid to get your hands dirty! The Sandbox encourages kids (and adults) to touch the exhibits and explore them thoroughly! Let kids use their imagination as they “shop” at the grocery store, work at a café, pretend to fly an airplane, help build a house and much, much more. Admission is $7 for kids and adults; seniors and military receive a discounted price. The Coastal Discovery MuseumThis is an outdoor experience for the whole family. Learn more about the rich history and natural beauty of Hilton Head and the importance of conservation and preservation. Hike and explore the vast property, including historic buildings. This site is free for all, but donations are accepted. Hilton Head Symphony OrchestraIf you’re on the island for romance, or if you want to add a cultural element for a family vacation, buy tickets to a symphony concert. The Hilton Head Symphony Orchestra holds concerts from January through May; ticket prices vary. Hilton Head Island Art FestivalMemorial Day weekend is the time for the Hilton Head Island Art Festival. This is an outdoor festival exhibiting lots of amazing artwork, including jewelry and sculptures. Pets are welcome, if they are leashed and friendly. ShoppingOf course, you need a souvenir to remember your trip. Or maybe you can’t resist any local shopping scene; you won’t be disappointed, as Hilton Head is home to many unique local boutiques. Explore downtown and hidden treasures tucked away throughout the area. You never know what you might find, from clothing to crafts and even amazing paintings. If you’re a thrift store aficionado, check out the thrifty stores on the island. There’s always room for a bargain! Don’t Forget the Dog!If you’ve brought your favorite fur baby along for the vacation, head to the dog parklocated in Chaplin Community Park. Yes, your dog can be let off the leash…but only if s/he isn’t aggressive. Dogs also are allowed on beaches during certain times; however, owners should always clean up after pets. Be respectful! For all the beach rules concerning pets,visit HiltonHeadIsland.org. A Taste of Hilton HeadWhen all the island life leaves you hungry, Hilton Head has you covered. There are many restaurant options on the island, and there’s something for every budget and taste bud. Check out these local dining spots: A Lowcountry Backyard RestaurantThis restaurant was highlighted on the Travel Channel show Food Paradise! Dine on Potato Chip Meatloaf, burgers and other favorites. Or try house favorites like Shrimp & Grits or Seafood Purloo! There’s also a kid’s menu for younger diners. So how much will you drop? A burger is $11.95, Seafood Purloo is $23.95 and kids’ meals range from under $5 to $7.95. Palmetto Bay Sunrise CafeYou can order breakfast anytime! Choose from different types of Eggs Benedict, including the Crab Cake. Or order up a breakfast burrito or one of the many other classic breakfast favorites. Since you’re in Hilton Head, though, there is, of course, a Shrimp Hash on the menu! Not feeling the breakfast menu? Opt for a sandwich, a salad, soup or a heavier entrée (yes, there’s even a New York strip steak!). Breakfast dishes start at around $3.99 (for a half-order of biscuits and gravy); the most expensive entrée is $14.99. Fat Baby’s Pizza & SubsLooking for a place that offers just about everything? Head to Fat Baby’s to grab pizza, subs, pasta, calzones, burgers, hot dogs and even wraps! No one will leave hungry, and even the pickiest eaters should find something they like on the menu. Hilton Head Ice CreamNeed dessert and something to cool you off? Hilton Head Ice Cream offers tons of flavors and bakery treats too! Feeling spicy? Try the Chocolate Cayenne! Or opt for something a little more traditional like Mint Chip. Don’t be surprised if kids are drawn to the Birthday Cake flavor! If you’re looking for an ice cream alternative, try the sorbet. Sweet Carolina CupcakesWho can resist a cupcake? The menu might change with the season, but you’ll always find a cupcake flavor you can’t resist at Sweet Carolina Cupcakes. So what’s on the winter menu? Wedding Cake, Snickerdoodle, Carrot Cake, Peanut Butter Cup and more. Specialty flavors rotate through the week, but flavors like Classic Chocolate, Classic Vanilla, Red Velvet and Sweet Carolina are offered every day. Duck DonutsIt seems like every town has its own donut shop. Duck Donuts bakes up classic favorites like Cinnamon Sugar, but it’s the iced donut selection that will leave you stumped about what to order. You can indulge in flavors like Chocolate Icing with Toffee Crunch & Marshmallow Drizzle, Peanut Butter Icing with Toffee Crunch & Hot Fudge Drizzle, Chocolate Icing with Toffee Crunch and many more. Good luck choosing…or just order a dozen and leave extra happy! Hilton Head Island is a perfect island destination that won’t necessarily require you buy pricey plane tickets. If you live in a nearby state or if you’re ready to take a major road trip, Hilton Head may be the best bet for an island getaway for the whole family. Of course, Hilton Head also is a romantic choice for honeymooners or those just needing a romantic getaway. Head to the beaches, take a dolphin cruise or fly overhead via helicopter and see all this island has to offer. When you’ve hit the beach—and the surf—too hard, escape to a museum, a quaint boutique or just grab some dinner at one of the many restaurants on the island. No matter how long you stay, there is always something to do and see in Hilton Head! The post An Insider’s Guide to Hilton Head SC appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/an-insiders-guide-to-hilton-head-sc/ Fifteen is typically the age when teens take their written test in hopes of qualifying for their driving learner’s permit. For a year, many will practice driving around town, on highways and in parking lots to master the skills needed for that much-coveted license to drive. While teens see the driving privilege and the age of 16 as a rite of passage and a path to independence, parents tend to face the milestone age with more apprehension. The driving statistics for teenage drivers illustrate just why parents worry when kids take the driver’s seat.According to DoSomething.org, new drivers (age 16) are the most prone to accidents. Even more unsettling?More than half of teen drivers talk on the cell phone when they are behind the wheel. And it’s distracted driving that has become one of the leading causes of deaths on the road. In fact, in 2016,more than 3,000 people died because a driver was distracted. Parents can help teach new teen drivers how to be smarter (and safer!) behind the wheel by educating them about defensive driving techniques and good driving habits. While teens learn the basic rules of the road from state driving manuals, there are many other skills and engrained routines that will help keep teens safe on the road. Driving SchoolsParents are often a teen’s first driving instructor. However, some teens need a little more professional guidance and a driving school or professional driving lessons could be the ideal option. Some schools, though, can be costly. However, one of the more inexpensive options can often be found at your teen’s school. Many high schools offer driver’s education courses that teach kids the basics of driving and the rules of the road. Fees for driver’s ed classes vary per school, though. Non-profit organizations also may offer driving courses. Look for non-profits that are focused on teen safety or distracted driving awareness. Some organizations--like Doug Herbert’s B.R.A.K.E.S.—offer free courses but require that parents put down a refundable deposit. Online classes may be less expensive, although they won’t provide on-the-road instruction. Budgeting for Driving SchoolsSome areas might not have access to low-cost schools or programs, but parents may still want their teen to have professional driving instruction. Budgeting for expensive driving schools might mean cutting out fast food or entertainment expenses. Parents also can encourage teens to help earn money to pay for lessons. Teens may be able to mow lawns, babysit or take on another part-time job to earn the extra cash for driving school. Safe Cars for New DriversThe car that your teen drives also may help keep them safe on the road. While many parents might not have the budget for a new car for their new driver, they can investigate used automobiles. And some models might be better suited to less experienced drivers. So what size car is ideal for new drivers? Larger automobiles areconsidered safer options, although mid-sized cars and SUVs might be a better option for maneuvering into tight spots. Cars that accelerate to high speeds can be a dangerous—and potentially deadly—temptation. TheIIHS-HLDI advises parents to avoid allowing teens to have access to cars that boast high horsepower. Also, before teens secure the keys to any vehicle (even the family automobile), be sure that the car is up-to-speed on safety: lights should be in working order, fluids should be topped off, brake pads should be checked, etc. Parents also need to decide on automatic or manual transmission options. Obviously, if a teen learned to drive on a manual transmission, then either option should be just fine. But learning a manual transmission takes some time, and some people NEVER catch on. So be sure that your teen is secure with the stick shift before sending them on their way. Otherwise, opt for an automatic! Insurance IssuesOnce teens earn their license, they also need to secure insurance. Insurance for new drivers can be incredibly expensive. If parents can’t afford the premium increase, then teens need to find a way to help pay for their coverage. To ensure that you get the best deal on auto insurance, shop around and review all the quotes and coverage options. Some companies may offer discounts for good grades. Never, ever, let your new driver on the road without insurance coverage! Discuss Distracted Driving & Establish GuidelinesDistracted driving is dangerous, but it could also be lethal. Parents should discuss safe driving expectations with teens and establish guidelines for road privileges. Some parents create driving contracts that outline all the rules and responsibilities that are required for driving alone. Cell Phone UseTeach teens that using a cell phone while driving is dangerous. Distracted driving laws vary across the country, and a violation could lead to a fine. However, some states have extremely stringent guidelines about distracted driving, so it is very important that parents (and young drivers) understand the laws and the penalties in their state. So how can parents set cell phone limits? Some phones can be disabled while a teen is driving…although they remain functional for emergency calls. Proactive conversations also are important, so teens understand boundaries and expectations. Other DistractionsCell phones aren’t the only distractions while driving. Adjusting the thermostat, changing a radio station, eating and talking to friends can also take attention from safe driving. Parents may want to limit the number of friends in the car (or even prohibit teen passengers), and parents should teach drivers when is the safest time to adjust in the car (turning the station, etc.). Drugs & AlcoholTeens need to understand that it is never OK to drive impaired or under the influence in any way, and they should know to NEVER get in the car with anyone who has used drugs or alcohol. However, while the legal drinking age is 21, drinking and driving among teens remains problematic. The National Highway Traffic Safety Administration notes that “in 2016, almost one out of five teen drivers involved in fatal crashes had been drinking.” Every year, thousands of people lose their lives because of drunk or impaired drivers. In fact, every year drinking and drivingkills more than 10,000 individuals. Nighttime Driving & Other LimitationsParents of new drivers also may want to discuss time limitations for driving privileges. Some parents are not comfortable with allowing teens to drive at night or during bad weather. Teens should have boundaries as to when they can drive solo and what time periods are off limits. However, at some point, teens need to understand how to navigate during dusk or darker periods and how to maneuver in bad weather. To help teens grasp the fundamentals of driving in bad weather, parents can help them practice in open areas like empty parking lots or streets with minimal traffic. Parking lots are ideal for helping teens navigate snow and learn how to brake properly during bad weather conditions. Rewards for Safe DriversIn the beginning, the rules for new drivers may be expansive. As teens exhibit more responsibility and show that they can be trusted to make smart driving decisions, parents may want to loosen the reins a bit. Eventually, all teen drivers will become adults who will make their own decisions—good and bad. Set driving goals for new drivers that allow them to earn more driving privileges. For example, a year without accidents or a ticket can lead to more freedom on the road (in safe ways, of course). Parents should set their own goals and reward systems for newly-licensed teens. However, parents need to keep in mind that absolute independence is the eventual result once a teen becomes a legal adult. When Teens Become Dangerous DriversSome new drivers might prove to be reckless on the road. Maybe they’ve had an accident, or the tickets are piling up. Parents of teens who exhibit poor driving choices and dangerous habits should evaluate the situation. While the situation may warrant driving school, it also may mean that the driver isn’t yet ready for the driving privilege. Parents need to be prepared to set penalties for poor choices. When creating the rules for driving, consequences for breaking those rules need to be very clear. Some parents may take away the keys. Others may create driving curfews. When you set consequences, follow through! Fun Fact: Did you know LoanCenter offers auto loans and even offers a variety of cars you can browse online? Driving is a privilege, not a right. And when teens turn 16 and earn their driver’s license, parents should be prepared to set rules and boundaries to ensure safety. Distracted driving and impaired driving can be lethal. It’s up to parents to educate teens about driving safety that goes beyond the basic rules of the road (like speeding!). Some parents may wish to create a driving contract that outlines all the details for driving privileges. However, the contract also should include rewards for safe and smart driving as well as consequences for those who don’t follow the guidelines of the driving contract. The goal for parents is to turn new drivers into safe and experienced drivers who don’t just understand driving laws but who also know how to engage in defensive driving habits. Because street smarts can be the difference between life and death on the road. The post License to Drive – A Parent’s Survival Guide to New Teen Drivers appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/license-to-drive-a-parents-survival-guide-to-new-teen-drivers/
Spring means warmer weather and a new beginning. But it also means tax season. Read about some helpful tips for how to prepare for tax season and make this year’s filing a breeze. Get Ready to Do Your Taxes Know which forms you’ll need. W-2, W-4, 1040, 1099, and so many more. There are different types of tax forms required for different types of jobs. Your employer should mail the appropriate form to you sometime after January 1. If you don’t have anything by March, you should probably ask your employer for them. It’s also wise to keep all of your tax forms in one place. Decide how you wish to file. You can take your tax forms to a […]
from http://carolinacashfast.com/blog/prepare-tax-season-5-simple-steps/ The words “car shopping” can be enough to strike despair into the heart of anyone. Most of us picture several unpleasant scenarios when we consider car shopping: sitting in a waiting room, haggling for a fair price, and driving off unsure if you got a good deal. Fortunately, you don’t have to go into the car buying process unprepared. There are tactics that can work to make purchasing a car easier and less stressful on your wallet. Here are a few secrets to get the best deal from a car salesman. Success Begins with Preparation You can just walk into a car dealership, pick out a vehicle you like, and sit down at buy it. But have a lack of strategy can end up costing you a lot of money. The real secret to getting the best deal on a new vehicle often begins with some preparation at home. Before you head to the dealership, you should: Research the Vehicles You Want The internet makes it easy to get a lot of information about the vehicles you might be interested in purchasing. Narrow down vehicles at home, focusing on the features you want and your price range. Some drivers also focus on the color they want. Note that the color of your vehicle can makere-selling later easier, so you might want to consider picking a perennially popular color like silver, white, or black. You can use sites likeU.S.News to learn about what the vehicles you are interested in should cost. Understanding what a fair price would require you to learn a bit about the different prices used in the world of car sales, including: · The MSRP (Manufacturer’s Suggested Retail Price). The MSRP is often the sticker price on a vehicle. This represents what the dealership would like you to pay. You should aim to pay below the MSRP. · The Invoice Cost. You can think of invoice cost as the amount of money a manufacturer would like a dealership to pay to purchase a vehicle. This number is often above what a dealership pays for a vehicle. So, if both the MSRP and the invoice cost do not reflect hard and fast costs in the car buying world, what can they tell you? These prices give car buyers a place to start. Car buyers that know roughly what they can be expected to pay will have an easier time avoiding dealership schemes. Print off the information you find to back you up when you visit the dealership. Research the Value of Your Current Vehicle The majority of car buyers already have a vehicle that they are planning to sell or trade-in alongside their new purchase. It is very important that you research your current vehicle’s value before you begin the car buying process. Do not trust the dealership to give you a fair price out of the kindness of their hearts. Sites likeKelley Blue Book can provide you with a rough estimate of what you might receive if you sell your old vehicle or trade it in. If you’re interested in online sales, you can even check auction sites likeeBay Motors to see what vehicles like yours are going for. You may also decide that you would rather sell your old vehicle on your own, without involving the dealership. You can often get more money for your vehicle by selling it privately. You can then use the money from the sale for whatever you want, including a down payment on a new vehicle. Some people are not looking to get rid of their current vehicle at all. After all, maybe your family is growing and you need a new vehicle. You might be able to get the money for a down payment on a new vehicle by taking out a loan with your bank, the dealership, or with acar title loan. Research Pre-Approved Car Loans Car dealerships can make a lot of money by financing your vehicle. The interest payments you make on your vehicle add up and can fill the coffers at your dealership. Fortunately, you do not have to just accept a dealership financing deal. New car buyers can secure pre-approved car loans before they ever head to the dealership. If you aren’t sure where you can go for a car loan, you can check out the rates you can right here on LoanCenter. Visit our auto loan page, and you can find how much you qualify for and even check out an online inventory of vehicles. Research Any Special Deals Sometimes, car dealerships run special deals to move vehicles that might be: · Ending Their Product Cycle · Not Selling as Expected Some of these deals are heavily advertised, but others are not. You can check dealership websites to see if any specials are going on that might apply to the vehicle you are interested in buying. You’re Ready to Visit the Dealership Alright, so you’re armed with information about the vehicle you want, your old car, your financing options, and any relevant deals. That means it is time to visit a car dealership. Note that many people arebuying cars online, which is a great way to get a vehicle. However, it is still recommended that you visit a dealership, at least to test drive the car that interests you. Keep these tips in mind while at the dealership: Remember to Shop Around Many of us live within driving distance of several dealerships. However, there are only so many hours in the day. You do not have to physically visit each dealership that offers the vehicles you are interested in. Instead, you might contact a sales manager by phone or over the internet to discuss price quotes. Car sales is a free market, which means you are allowed and encouraged to work to get the best price. Let other dealerships know if you are offered a better price elsewhere; they might match the price, or even underbid the other dealer. The secret to getting the best deal is often printing out all the information you found about: · Prices Offered at Other Dealers · Sales · The Trade in Value for Your Vehicle Bring this physical proof with you when you go to the dealership, so you can’t be pushed around or fed misinformation by salespeople. Don’t be afraid to walk away from a deal that doesn’t make sense for your budget. Pick the Right Time There are many sayings regarding the best time to buy a car. Some people say to go at the end of the day, others at the end of the month, or at the end of the year. It turns out that there is a grain of truth in some of this accepted knowledge. Most car dealerships have sales goals that they expect to meet. Unfortunately, it can be hard for a car buyer to know when these sales goals will come due. Many dealerships set goals on a quarterly or yearly basis, but each dealership is operated differently. Note that there are some days of the week that are better for car shopping than others. Dealerships are generally very busy on the weekends. This means that salespeople might not offer you much attention if they don’t think you’ll be a pushover. You can expect more time and attention if you visit a dealership during the week. Always Stay Professional (Not Emotional) Buying a car is a big decision that can impact your life for years to come. Most of us drive our vehicles every day, and it’s easy to get attached to the idea of the ‘perfect vehicle.’ The truth is, dealers are counting on you to get emotionally tied to your vehicle, so they can push you around on price. Staying detached from your purchase can save you money in the long run. You’ll negotiate better with a clearer head, and sales people are more likely to treat you fairly if you are polite and pleasant. Becoming aggressive or mean-spirited will often work against you. As with any other purchase, you also need to remain willing to walk if you aren’t getting a fair deal, or if you think the dealership is wasting your time to wear you down. Don’t be afraid to politely leave, letting the salesperson know that they can reach you if they find a way to get the vehicle into an acceptable price range. Learn What to Expect in a Negotiation Buying a car is often stressful because most of us do not negotiate the prices for other items we buy in our life. Most products or services have set prices and you’d be laughed out of the store if you tried to haggle them down. This means that negotiating is a skill most of us don’t get to practice, except when the time comes to buy a car. With that in mind, keep these tips in mind as youplan to negotiate for your vehicle: Don’t Show Your Hand Buying a car isn’t quite a gamble, but it can feel like one. Make sure that you are careful about the information you share with a salesperson. Once you state your lower limit for a price, you won’t be able to walk that information back. Focus instead on getting information from the salesperson. Find out what they want you to pay for the vehicle, so you have an upper limit to work with, and then focus on getting the price down. You can do this by: · Making Your Offer · Backing Up Your Offer with the Information You Brought Along · Waiting Sitting can be uncomfortable, but let the salesperson lead the conversation to stay in a strong position for your negotiation. Understand Dealership Strategies Be aware that some dealerships will attempt to frustrate you into accepting a deal by making you wait for long periods of time. Do not be afraid to politely inform the salesperson that you will have to leave if they do not currently have time to help you. Salespeople may also try to guilt you into purchasing a vehicle at a price that isn’t right. Don’t buy it if a salesperson complains about the time they spent talking to your or going on a test drive. They are only doing their job, after all. Do Your Own Math Most of us carry our phones everywhere, and most phones come with calculators these days. Salespeople can throw around figures and calculations that sound better than they are. Do the math yourself to make sure you aren’t taken in by a lot of numbers and figures. Stay Strong Until the End You haven’t successfully purchased a car until after all the paperwork is signed. This means that you will likely also have to negotiate when it comes to financing. Fortunately, you should have the research you did on pre-approved car loans to give you a leg up when it comes down to focusing on financing. Dealing with Add-Ons Note that car salespeople may also try to convince you to accept a bunch of extras and add-ons after settling on a vehicle. Most of these add-ons are simply not worth it, and they end up increasing your total price. You can always add on these extras later, if you really want, so don’t let a salesperson push you into adding them in the financing office. Check the Fine Print Buying a car means signing a lot of documents. You’ve made it this far. Take the time to carefully read all the papers put in front of you. Don’t ignore mistakes in the price or any other term included in the document. And that’s it! You can summarize these tips and secrets together by: · Researching the Vehicle You Want, Your Trade-In, and Car Loans Before You Go · Shopping Around and Picking the Right Time · Staying Professional and Unemotional · Focusing on Your Negotiation Strategy These steps can help you get the best deal from a car salesman, so you’re ready to drive home with the perfect new vehicle. The post Here are the Secrets to Getting the Best Deal from a Car Salesman appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/here-are-the-secrets-to-getting-the-best-deal-from-a-car-salesman/
A loan is always there in a pinch. But just as there are many reasons for needing a loan, there are also several different types of loans. Two popular types of loans are payday loans and car title loans. Let’s look at the difference between the two to help you decide which one better fits your needs. What is a Payday loan? A payday loan is a type of short-term loan where the borrower simply writes a post-dated check to the lender for the amount of money needed plus some interest. The loan is paid out to the borrower immediately, and the check is not cashed by the lender until the agreed upon date. The agreed upon date is typically […]
from http://carolinacashfast.com/blog/payday-loans-vs-car-title-loans-what-you-need-to-know/ For many families and individuals, filing a tax return leads to a refund. For others, though, that year-end return means writing a check instead of receiving money back. No tax filer should ever bank on a refund, but unfortunately, underpayments are a reality. Adding insult to tax injury is the fact that January and February often usher in bills from holiday spending. The time has come for families to pay the credit card debt that accumulated to ensure a happy holiday season.According to Nerdwallet’s 2018 Holiday Shopping Report, pulling out the plastic was the planned payment method of choice for 73 percent of consumers. Most of these consumers weren’t naive about how long it would take to pay off those charges, either. Nerdwallet’s report noted that, per the respondents’ estimations, clearing off holiday debt would take some time—more than three months, in fact. When money is tight, an infusion of extra funds from a tax refund may often be a family’s beacon of hope to ease their debt. According to a survey from GoBankingRates, 27 percent of respondents have earmarked their future (or hopeful!) refund for debt reduction. What happens, though, when you expect a refund but receive a tax bill instead? If you were expecting a big tax refund to pay off holiday debts or other unexpected expenses, having to make another payment can be a devastating blow to your finances. Even if you don’t get a tax bill, a smaller refund than expected can still pack a punch. Holiday bills are looming overhead, and credit card companies are expecting their payments. Now is the time to look into other financing options. Home Equity Line of Credit (HELOC)A Home Equity Line of Credit (or HELOC) is a loan that uses the equity of your home as collateral. So what is equity? The equity of your home is the difference between the outstanding loan principal and the appraised value of your home (basically, what you can sell it for on the market). Equity value can change over time and with the flux of the market. Paying down your mortgage principal can help increase equity, and the state of the real estate market can affect it, too (for better or worse). Home values depend on many factors, and each real estate market may be different. However, if you’re interested in pursuing a HELOC, you need to talk to your bank or lending institution. Some homeowners apply for a HELOC with their current mortgage lender; others use a different bank or lender. Your credit score may affect the terms of your loan and the interest rate you can secure. Your loan also is based upon the equity limitations, so don’t expect an unlimited line of credit. When you take out a HELOC, you are borrowing against the equity in your home, which could impact your finances if you need to sell your home in the near future. If you max out the equity in your home, selling could get complicated. So before you sign on the dotted line, make sure you understand the terms of your HELOC. This includes interest rates, any loan constraints, and the credit limit tied to your equity. Talk to your lender if you have any questions or concerns. Payday LoansTaking an advance on a future paycheck also can be a way to access money now. Payday loans allow consumers to receive money before their next payday by using the upcoming paycheck as collateral. Payday loans typically include a fee for the advance and the full amount is then owed when the paycheck is received. There may be borrowing thresholds that limit the minimum or maximum borrowing amounts. Guidelines for these loans also may vary by state. Understand all the fees associated with these loans as well as repayment expectations. Payday loans are meant to be a short-term solution; be sure to talk to the lender if you have any questions about these loans. Title LoansThe equity in your car also may help secure emergency money. Title loans use the value of an automobile as collateral for the loan. Like payday loans, they are meant to be short-term solutions. While interest rates vary, they are typically higher than traditional loans. Individuals with poor credit may qualify for a title loan, but the interest rate may be even higher because of the credit risk. There may be limitations on the minimum and maximum loan amounts. These amounts may be guided by state regulations and/or the lender. Recreation vehicles (RVs) and motorcycles also may be used for these loans, but, again, the loan value may be capped. Loan amounts also are limited to the equity or resale value of an automobile. And there are many factors that affect the value of a car, truck, van or SUV. Age, condition, make/model, and mileage all can increase or lower the value. The title of the automobile also has to be ‘clean.’ A salvage title cannot be used for a title loan. Always review the terms and conditions of your loan so you understand the APR and payment expectations. Again, title loans are meant to be short term solutions to a financial need. Those who already have a title loan but may be struggling to make payments because of high interest rates also can investigate refinancing the loan. Better terms may lead to lower payments. Tax Return LoansIf a tax return shows a refund, you may be able to take an advance loan against that refund.H&R Block offers these loans. According to the H&R Block web site, there is a zero percent APR for these loans. And once your refund is received, the amount of your loan is deducted from your refund. They can also be taken via Refund Transfer (although H&R Block notes that this choice is optional). Consumers may choose how much of an advance they need; amounts range from $500 to $3000. However, be aware that not everyone may qualify for these loans. This type of loan may be an ideal solution for those who are expecting a refund but cannot wait for the IRS to process their return (and deposit the refund). And H&R Block isn’t the only option;according to the Detroit Free Press, TaxSlayer, Liberty Tax, and Jackson Hewitt offer similar loans. While many families are hoping for a massive refund this tax season, not all filers will get good news on their return. For those who aren’t getting a large refund, there are options when finances are tight and holiday bills are busting the budget. A HELOC, payday loan, title loan or refund advance may be an option to help pay for unexpected expenses and/or credit card bills from holiday spending. Before you sign on the dotted line with any lender, though, be sure you understand all the loan terms including your annual percentage rate and repayment expectations. A loan should not add to your financial stress or drag you into deeper debt. The post I Really Needed a Big Tax Refund This Year…But I Didn’t Get It. Now What appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/i-really-needed-a-big-tax-refund-this-year-but-i-didnt-get-it-now-what/ Ever have a check-engine light come on and weren’t sure what was happening under your hood? Here’s a handy guide for the most common car-parts you may find under your hood. The post What’s Actually Under the Hood of Your Car appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/whats-actually-under-the-hood-of-your-car/
For many people, a New Year’s resolution is to start saving money. For others, it’s to stop saving money and start investing money. But if you’re new to investing, you may not know where to start. No worries. We’ve got you covered. Below are five good tips for anyone investing for the first time in 2019. Investing in 2019: Your Guide Gold Gold is generally considered a safe investment and many investors use it to diversify their portfolio. The value of gold is based on supply and demand, and gold is used in everything from jewelry and computers to dentistry and the aerospace industry. One advantage of investing in gold is that it often performs best when the rest of […]
from http://carolinacashfast.com/blog/investing-tips-for-2019-5-ways-to-give-yourself-a-boost/ Huntington Beach might just be the perfect beach town. While the California city offers many options for recreation, culture and delectable dishes, it’s also low-key enough to be an under-the-radar tourist delight. Those in the know understand that Huntington Beach is a dream destination that’s more relaxed than the craziness of larger coastal cities like Los Angeles and San Francisco but also offers plenty of must-see hot spots. More than 200,000 live within the city limits of Huntington Beach, and this city is in no way a small town. But the laid-back vibe of the coastal lifestyle keeps this beach town chill, relaxed and the ideal destination for those seeking refuge from larger tourist locales. So, what is the inside scoop on Huntington Beach? Here’s everything you need to see, do and eat when you’re heading to Huntington Beach. Museums & LandmarksHuntington Beach’s moniker is Surf City USA, so, of course, this city has a museum paying homage to this sport. See exhibits like Surf2Skate or check out concerts during Surfin’ Sundays. The museum is extremely budget-friendly; visit for just $3! The Newland House is the oldest in Huntington Beach! Learn about the Newland family and tour this expansive home, including the unique tower room, the sleeping porch where several of the girls slept (there are seven Newland sisters!) and more. The tour costs $2 for adults and only $1 for kids. L.A. has the Hollywood Walk of Fame, but Surf City has the Surfing Walk of Fame! Located on Main Street, you can see the stars who owned the waves. Take a snap of your favorite star. Of course, it’s always free to stroll along the walk of fame. The gallery is open Tuesday through Sunday. However, check out the Art Center’s web site for upcoming shows, exhibits and events. An art camp is offered during the summer for kids (6 to 12). Those interested in learning more about their own artistic talents can take a class from a professional artist. Duke Kahanamoku isn’t just the ultimate surf legend, he is noted asthe “father of modern surfing.” Visit his statue, which sits outside Huntington Surf & Sport. Car ShowsSurf City is big on car shows. So, if you’re visiting, you need to see the cars that make this city unique. Shows are held throughout the year, so, chances are, there will be something to see whenever you visit. This car show features classic cars and motorcycles. The show is held in early June and admission is $10 a person per day, but discount admissions are available if you buy 2-day passes. Children under the age of 16 are free. According to the website, this event “is open to all “Beachcruisin” vehicles manufactured through 1967. If you hauled your board, buddies, or babe to the beach in it, it’s a beachcruiser.” Proceeds from the event help the community and are also used to benefit the National Woodie Club Scholarship Fund. The best part? Spectators pay no admission price! Surf City Veteran’s Day Car Show Check out lots of classic cars, cool motorcycles and more. There is no fee to watch the show, but exhibitors must pay to register their vehicle. Proceeds help benefit non-profit organizations. This show is incredibly popular, so plan in advance! Learn to Surf!The surf culture in Huntington Beach is part of its charm. So if you’re interested in hanging out here for a day, a weekend or beyond, you might just want to learn how to conquer the waves. So where do you go for the best lessons? Surf City is ripe with surf schools and experienced surfers willing to teach newcomers a thing or two. You’ll need a board and a sense of adventure, though! This is just one of many local surf schools in Huntington Beach, and lessons can get pricey. A two-hour private lesson is priced at $159 and up. But if you go in a group, you can cut that rate to under $80! For additional classes, lessons and pricing, visit Banzai Surf School online. This surf school offers private lessons, surf camps and more. Rates for private lessons (two hours) are around $130 per person. Again, though, if you go as a group, you can cut the cost. You also can opt for a quick one-hour session (during the summer season) if you just want to get a quick primer. Additional classes and pricing info is available online. Private lessons, youth lessons, summer camps and more, HB Surf School offers a variety of instruction levels. Private sessions are 90 minutes and priced at $145, but, again, the cost goes down with more participants (so make it a group activity!). Lessons for younger surfing enthusiasts are $200 but include four classes. For other classes and lesson options (and pricing!), check out the school’s website. Caliblue offers one-on-one lessons, group sessions and more. Choose the option that fits your needs and your budget. There’s even daily beach yoga! Want multiple lessons? Buy a package! There are many more surfing schools and options for surf lessons available in Huntington Beach, because this is Surf City USA. Research the schools and instructors that best fit your needs and personality. Then get out there and hit the waves! Surf & TurfHitting the waves is hard work and helps work up an appetite. In Huntington Beach, you’re going to want to hit the best local hot spots for great grub, drinks and decadent desserts. Luckily, Surf City is home to many, many great restaurants. And, yes, many of them are located right on the beach! Lobster Mac and Cheese? Yes, please! BLK mixes up the best from the sea and land for a vast menu of yumminess! Want a burger? Choose one filled with bleu cheese…or mac and cheese! Steak is also on the menu…and ribs, too (with a side of mac!). Looking for a taste of the sea? Choose lobster, the fish of the day, salmon, sea bass and more. Looking for something spicy? Head to Ola Mexican Kitchen and dine on tacos, enchiladas, fajitas, burritos and other traditional Mexican fare. Interested in something from the sea? Opt for fish tacos or a fish burrito. Or a lobster taco! This restaurant has multiple California locations and offers traditional pub fare. Burgers, fish tacos and chicken sandwiches are just a few classics you’ll find on the menu. Kids can dine on chicken tenders, burgers or grilled cheese. While BLK and Ola are on the pricier side of the budget, Sugar Shack won’t put a major dent in the wallet. Serving up breakfast and lunch, Sugar Shack Café has been feeding Huntington Beach for more than 50 years. The menu features breakfast burritos, omelets and classic egg and meat combos as well as burgers, sandwiches and salads, too. Want something on the sweet side? Order French toast or pancakes. For breakfast or just for a sweet treat, head to The Donuttery for the ultimate menu in donuts. Classic donuts like cake (lots of different varieties!), Long John’s and jelly fill the menu. But PB&J, Salted Caramel, Strawberry Nutella and other unique flavors add to the choices. This sweet bakery also is vegan friendly and features an extensive menu of vegan sweets (including a many tasty donut flavors)! You also can grab savory breakfast classics and order up lunch, too. When it’s hot, cool off with ice cream! The Ice Cream Way offers vegan-friendly, dairy-free, gluten free and sugar free options! At the Ice Cream Way, you actually create your own unique flavor. Add candies and other toppings (or mix-ins) to kick up the sweetness or add a little savory. A small size is $5.95 and the regular is $7.95. Huntington Beach is a surfing hotspot, but this beach city also features many unique attractions that make it a must-see when vacationing on the West Coast. Visit the International Surfing Museum, stroll along the Surfing Walk of Fame and check out one of the many car shows held in Huntington Beach. Of course, Surf City USA also lures visitors with its waves; if you’re hanging out by the beach, take a surfing lesson! Many surf schools in Huntington Beach offer private or group lessons to help you master the board and the waves. Once you’ve exhausted the sights and conquered the surf, head to a beach-side restaurant to enjoy the local flavors. Surf City isn’t short on surf and turf options; if you love seafood, indulge in the local catch of the day. For the sweet side of Huntington Beach, pay a visit to The Donuttery or create your own personalized cup of ice cream at The Ice Cream Way. There are so many other unique sites and tastes to experience in Huntington Beach, so take your time, chill out and enjoy all the city has to offer. The post An Insider’s Guide to Huntington Beach, CA appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/an-insiders-guide-to-huntington-beach-ca/ |