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    Industrial Units And Commercial Property


    Commercial property, industrial units and offices are becoming more and more valuable to their owners. Whether bought to use by the owner or bought to let to other businesses, the value of these units and offices have huge potential for long term capital gain. Every business whether service based or manufacturing needs premises to operate from and this is what makes industrial units and commercial property so valuable. Owning a commercial property gives a business a major advantage. It increases the value of a business hugely and means that a company has a valuable asset which can be used in various different ways. Firstly, owning and using the property eliminates rental bills incurred when a company has to rent their industrial unit or office from another company. Secondly, the business has a sellable asset which can be turned into capital if necessary. Finally, the business can create revenue by renting out all or part of the unit to another company. Industrial units and offices can vary hugely in size and design. From small 1000 square foot office space through to 30000 square foot industrial units encompassing storage space, offices, workshops and manufacturing areas. The offices and units can be used simply for storage and be very simple in design and facilities, consisting of merely shelving, lighting and a lockable roller shutter door. On the other end of the spectrum the commercial property can be multi faceted and consist of purpose built reception and office areas including toilets, kitchens and pedestrian entrances coupled with industrial units with the room to store goods and fully working industrial machines to allow for manufacturing and production. Industrial units, offices and commercial property all need to be designed and built to high standards. They must be equipped with all the facilities needed by a modern company on a day to day basis. Any business needs a good quality property, whether bought or leased, in order to perform their own functions to a high standard. A small internet service company for example must have offices which allow for their employees to work in comfort and carry out their tasks and also must have very secure and high standard storage spaced for servers and computer equipment. The quality of build and workmanship needs to be of the highest quality to ensure both comfort and functionality for the employees. As well as this an industrial unit built to high standards will retain its value as an asset for longer than one of inferior quality and will also allow for higher rent to be demanded from potential tenants. Companies who design and build these industrial units and offices need to not only design and build the commercial properties but also offer services such as detailed drawings for planning permission, structural calculations, reports for building regulators, layouts and footing design diagrams as well as free estimates. R3 North West perform all these tasks for their clients as well as designing and building top specification and high quality industrial units and offices. Their exciting and modern designs are all built to the highest standards and offer businesses solutions to problems with premises.


    The Mountain Behind The Mountain


    I'm reading through a new book I bought recently, "Creating a Charmed Life" by Victoria Moran. It features a collection of 75 short essays about how to bring more joy, meaning, and simplicity into your life. One of my favorite essays from the book (so far) is called, "Give Up Your Mountain." By "mountain" she means the foreboding issue that stands between you and the life you want to be living. Everyone's mountains are different. For one person, it might be haunting memories of an abusive childhood, for another it could be an addiction, for someone else it could be financial struggle. She mentions the necessity of surrendering to situations you can't change, and continuing on to create a meaningful life in spite of them. Wonderful advice, and this essay holds a lot of truth. But something else occurred to me as I was reading, and that is, the mountain behind the mountain. Sometimes what we think is our biggest mountain is simply an anthill at the base of the true mountain lurking behind the clouds. Some people think that financial lack is their mountain. Then, by some miracle, they win the lottery or inherit a large sum of money. But their problems don't vanish, do they? If anything, they experience more stress, family problems intensify, and everything seems to get worse. If their mountain was caused by lack, the money should have dissolved it. Yet, a surprisingly large percentage of people who win the lottery are broke again with a few years. Another good example is people who are overweight and believe that everything in their lives would be better if they could just lose the weight. Once they do lose it, what happens? They feel vulnerable and insecure, turn to food for comfort and regain the weight. In situations like these, we can see clearly that there was something else behind the immediate struggles, something that wasn't addressed in order to resolve the issues completely. There are exceptions to these examples, of course, but my point is that our mountains usually exist for a reason. Most often, they are based on a fear, thought, or belief about ourselves or our lives. Once we break down the initial mountain, we see the bigger mountain looming large in the background, and we realize that our work has just begun. So, how do we conquer the bigger mountain? How can we even tell why it's there? In my own experience, it requires a lot of self discovery. We must be willing to explore ourselves fully, question our beliefs, dig into our past, work through any unresolved issues, and make better choices. Even more challenging, we must overcome the fear of facing the hidden parts of ourselves. Our fear could accurately be called the mountain behind the mountain behind the mountain! But the beauty of this process is that once we face our fear, it doesn't seem so big anymore. We can chip away at our mountains a piece at a time, keep the momentum going, and our lives will begin to transform. It's important to point out also that there's no end to this process. We are never really done with learning and growing into ourselves more deeply. Our lives will always have room for improvement. We may also have periods of time where we feel uncomfortable with the work we're doing, and start backsliding with our efforts. New mountains could spring up in our path, seemingly overnight. But if we continue our efforts, day by day, week by week, and even year by year, we will make progress. We will learn how to love our mountains because of the way they strengthen us, and what they teach us. And we will realize that even though it wasn't an easy journey, it was definitely worthwhile in the end.


    The Truth About Chess


    People, particularly chess players themselves, say the darnedest things about chess and about chess players. Here are some of our favorite misconceptions about the royal game. Some of these sayings are unquestionably off target, some of them are uneducated impression, and some of them are controversies that might or might not be valid. 1 ) Chess is difficult to grasp. Chess may not be the easiest game to pick up, but it is far from the most prohibitive. You have to know the moves of the six pieces, where the object with the slightest significance, the Pawn, has the most complex moves. Then you have to memorize the rules about attacking and defending the King, including castling. Then there are a few rules about games where neither player wins. One side of this myth is legitimate it is difficult, very difficult, to learn to play chess well. One player in a hundred achieves supremacy. 2 ) You have to be brainy to play chess. There is some link between chess talent and general intelligence. Minimum smarts are required. Cats and dogs will never make out the basics; no one has tried giving lessons to dolphins and chimpanzees. Chess does involve, after all, using numerous advanced compartments of the brain as skillfully as applicable. People from all walks of life have fun playing chess, several attaining mastery. Some very clever people delight in playing but never progress beyond novice. 3 ) Chess is for nerds. In fact, this isn't a misstatement, since chess is for everyone. It is for nerds, geeks, eggheads, and boffins, as usually as it is for anyone else. People who want to call other people unpleasant names should better say, ' chess is only for nerds ', but this is plainly untrue. Even if it was on target, so what? Intelligent, awkward, quirky people have made more contributions to the evolution of society than have the rest. If they want to play chess, that ' s their business. 4 ) Computers play chess better than people. In 2006, the finest computers play chess better than 99.99% of people, but are evenly leveled in games against the top humans. If, as some experts think, computers are gaining 20 30 rating points per year, the moment will soon arrive when humans have no chance against the best machines. It should not be overlooked that computers are always trained by teams of human specialists who program them in psychological areas like opening repertoire. Removing this benefit would eliminate their excellence. 5 ) Chess is a sport. Here we run the peril of upsetting the many meritorious chess organizers who have spent years trying to prevail upon the International Olympic Committee (IOC) that chess should be included as an Olympic sport. Lifting light pieces of wood or clicking rapidly on a computer monitor is not physically challenging work. As any quantity of photos from foregone high level chess events will demonstrate, chess players don't always cut a lean, trim, muscular profile. 6 ) Chess isn't a sport. Here we try to make amends with those very same organizers who nearly convinced the IOC that chess is a sport. Chess has been included as a medal sport for the 2006 Asian Games. A game between two extraordinary chess masters is full of tension, where superior nerves can make the difference between a winner and an also ran. Grandmasters have been acknowledged to lose a lot of weight during the action of a month long contest. 7 ) Women can’t play chess as well as men. To date it is unquestionable that women have not performed as well as men in chess events. There are many possible reasons for this. One may be that male players are often expert at making female players feel uncomfortable at chess events. The Polgar sisters have gone a long way to convince the chess world that women can play very well. Perhaps one day we will discover that women can even play better than men. No one really knows.


    Colors Of The American Flag


    : I would imagine that even before the ink on the Declaration of Independence had dried, the sentences: "Are we gonna have a flag? We gotta have a flag! Britain has a flag!" were echoed by members of the Continental Congress. But then, a flag is important. It is a symbol representing a group and their beliefs a means of identification. It has long been reported that in May of 1776, Betsy Ross sewed the first version of the flag we use today. The American flag has, of course, gone through several design transformations since then, as states were added to the nation and stars were added to the design. Symbolism Abounding Unique and appealing as the design is, I think our flag is also full of symbolism. To me, the red stripes indicate courage, blood and suffering. The white stripes mean truth, purity and open mindedness. The word stripes, itself, is associated with oppressions, struggles, punishments and lessons learned. An enduring flag represents a state of surving or coming of age the hard way. To me, the stars on our flag represent goals, dreams and the future what we all aim for, in our own way the infinite, the stars. The color blue is usually identified with peace, tranquility and spirituality. Hopefully, our dreams and future will be surrounded by peace and spirituality, just as the stars on the flag are surrounded by the blue. Our flag is very much like our country. It is woven together by many threads, just as our nation is woven together by many nationalities, religions, philosophies and personalities. The flag needs to be held up and supported to wave free, just as our country needs support to continue to remain as free as it has been. Any little breeze can cause a reaction. A harsh wind can make the flag angrily whip around on its foundation. But, even when it becomes weathered and torn, hanging on by only a few strands, as long as it is still connected to its foundation, it will continue to hang on and wave freely. It's the wind blowing against the flag that keeps it waving, that allows the stars (as well as the stripes) to be seen. It's the winds of properly channeled protest and criticism brought against a nation that keeps it changing and shaping and thus, prevents it from sinking into a false euphoria or apathy...or worse. Not as Simple as it Seems The flag is not black and white, and neither are most issues involving it. You will note, that there is one more red stripe than white, showing that there will be more pain and struggle than there will be purity and truth. An amendment ("H. J. Res.10") giving Congress the power to prohibit the physical desecration of the flag, has been up for vote several times. However, "desecration" means more than being burned or shredded in anger and protest. Through the popular sale of interpretated versions of our flag that's been placed on items ranging from paper notebooks and jewelry, to shirts and table cloths, it's been proven that the flag has a marketing appeal as well as a patriotic one. But Title 4, Section 8 d, 8 g and 8 i of the U. S. Code (rules and regulations) forbids wearing it or placing an image of it on anything that is meant to be thrown away. The code also says that it is not be be used for advertising purposes. Therefore, it is always interesting to see how "desecration" is interpretated. An Implied Pledge? Any flag represents a nation or group's future, as well as it's past. So, before you burn it or praise it, condemn it or pledge allegiance to it, you should take another look at it and really see it for what it represents. Sometimes I think that our nation's "pledge" has gone to another rectangular object...a green one. With all the crime and corruption in this country, it's as if the "Pledge of Allegiance" has been subconsciously rewritten to:

    I pledge allegiance to the dollar of the United States of America. And to the buying power for which it stands. One cartel, under the stock exchange, insatiable, with affluence and greed for the fortunate.
    May Our Flag Always Wave Free! Since the 9 11 tragedy, the red, white and blue American flag has been seen on more cars and flying from more buildings than ever. Maybe we should continue to wave our flag even more and be ever cautious to see that it continues to represent the freedom, justice and integrity for which it has always been known.


    The Bird Flu Pandemic


    Are we on the brink of a Bird Flu Pandemic in the UK? That is the big question that everyone is wondering about in recent times. Only a few months ago Avian Influensa or bird flu as its known more widely was only reported in distant countries. In recent months the outbreak has been reported in European countries and now in the last month the first few cases have been reported in the UK. Avian Influensa or bird flu is a highly contagious disease of birds caused by virus influenza. Bird flu is currently only affecting poultry and some in some cases people’s infection in the Far East. The virus strain is currently named H5N1 and can be spread by animals via contaminated droppings; this can be spread among other birds and passed onto other animals through ingestion and inhalation of the droppings. It has been reported that no bird species are immune to this Avian influenza. Migratory birds such as wild ducks, geese can carry the virus between different countries and often show no signs of the symptoms connected with illness. Poultry flocks are particular vulnerable to epidemics of a severe and quick form of the disease. According to the World Health Organisation there is evidence that the H5N1 strain has the capacity to jump between species and cause severe disease in people resulting in potential mortality. The history of avian influenza began in poultry in Korea in late 2003. This then spread between birds in countries such as Asia, Europe, Middle East and Africa. The United Kingdom and the European Union have controls in place to prevent the outbreak of the virus, however it is still possible for wild poultry or poultry left outdoors to become infected through contamination with wild birds. The black market also poses a risk from spreading the virus through illegally imported birds which do not meet the required control methods in place. H5N1 is able to infect people which are the most serious risk to society, the exchange of human and animal viruses can easily occur. Of the reported cases in humans, all have been in contact with infected birds but as yet only caused mild conditions such as eye infections and mild flu symptoms.


    The Many Advantages Of An Internet Based Business


    There are many advantages to an internet based business. Possibly one of the most appealing aspects of an internet based business is the fact that it does not require a lot of cash up front to start. With a little research, dedication, and basic computer knowledge, the possibilities of an internet based business are open to almost anyone. Also, here is not a lot of risk involved in an internet based business. An internet based business allows you to gauge the status of your web site and your advertisements based on how many hits you have had. This also eliminates a lot of the risks that tend to be involved with other types of businesses. Because you do not have to make these type of marketing decisions in the dark, and internet based business gives you the ability to make quality choices that will help generate the most business. With an internet based business, your potential list of customers is practically limitless. New people are connecting to the internet every day, and with the proper marketing and business strategy, an internet based business should be able to attract quite a large amount of customers or clients. Additionally, income can be made for an internet based business by placing pay per click advertising on your website. This tends to work well because advertisements are directed at the specific types of interests that the customers or clients of your internet based business have. Every time one of these advertisements is clicked, income is generated for you. This is an easy way to increase the amount of money that your internet based business generates. Another advantage that an internet based business provides is the ability to offer all of your products and services on a web site. Many customers appreciate the fact that an internet based business allows them to view everything that is available, where often, traditional brick and mortar stores are only able to keep a certain amount of items in stock. The website of an internet based business also allows for the latest, up to date information about each specific product. Also, an internet based business is beneficial to the customer who is trying to make a decision, because he or she can come back to view the product multiple times without leaving the comfort of home. Comparing prices and specifications of individual products is also made easy for the customer who is buying from an internet based business. The speed and ease of online monetary transactions is also a great advantage for both customers and those who own their own internet based business. As well, much of the average cost of ordering is slashed through the efficiency of an internet based business. Although an internet based business does have more competition because of the ease of starting up online commerce, if an internet based business is able to make its products stand out in a unique way, there is practically unlimited potential for income.


    The History Of Audio Books


    It's really amazing that you can get the exact value listening to an audio book while doing your normal chores as you would reading it. Certain experts even say information sinks in more when we are not paying direct attention to them. But when did this audio book phenomenon really start? In other words, what's the history of audio books? From all indications, audio books look like a very recent invention, right? WRONG! It is very easy to make the assumption that audio books are a recent invention because of the mention of CDs, downloadable digital formats, MP3s, PDAs and other technological jargons each time audio books are discussed. But audio books started a long time ago. To know how long audio books have been, it is pertinent to understand exactly what audio books are. Forget about any other jargon you have heard, audio books are simply books that are recorded to be heard, instead of read. That being the case, such recordings of books in audio formats have been around for a very long time. If you want to be specific, it is safe to say they were first introduced over half a century ago. It could even be longer, if you include the Library of Congress recordings made especially for the American Foundation for the Blind and distributed free throughout the U. S. However, according to Robin Whitten, the editor and founder of the only magazine which is dedicated solely to the audio book industry: Audiofile AudioFileMagazine. com, Caedmon (now a subsidiary of Harper Collins Publishers) can be credited to have started the recordings of literature as far back as 50 years ago. Going further, he said Caedmon was just a small company way back then in New York, which started recording the audio of great authors and poets of the 1950s. Specifically, he said one of the earliest recordings were by greats such as Dylan Thomas, T. S. Eliot, Fitzgerald and Robert Frost. What happened then was that they were simply recorded while doing their own works and made as vinyl records. But these early recordings can arguably pass off for the first collection of audio books ever. However, the transition of these book recordings into audiocassette tapes didn't happen until the late 1970s up to the 1980s. From thence, it blossomed until audio books in audiocassette tapes came to be accepted by all and sundry. For whatever reason however, the audio book phenomenon didn't really kick off until the 1990s. And with the transition from audiocassette technology into CDs, more people have become interested in audio books. With the advent of the Internet and its paraphernalia, audio books have now transited from vinyl records, audiocassette taps and CDs into downloadable digital formats that can be listened to with a desktop computer, laptop computer, PDAs, etc. If you are still interested in "going back in time" you can get the original book recordings that started this audio book industry. Impossible? Not really. Some of those early 1950s analog recordings by Caedmon which were performed by the greats of those days can be purchased today on the Internet. For example, recently I was able to browse the Internet thoroughly and found the original recording of "The Lord of the Rings" as read by J. R.R. Tolken. You can find that classic you have always dreamt of in audio book format if you search hard enough on the Internet.


    Five Reasons Why You Should Stop Smoking Now


    If you are reading this article it means that you have already thought about stopping smoking. The first step in quitting a habit or in changing your life is to take a firm determination or a vow to yourself that you are going to do something. However, in order to take this first step you have to be convinced that it is the right thing to do. If you need some more reasons why it is time to do something about your smoking habit, here are five things to consider: 1. You can live longer if you stop smoking now According to a study in the British Medical Journal, quitting smoking now could add 7 10 years to your life. No one can be sure that he or she will be alive tomorrow. Anything can happen, due to circumstances beyond our control. Despite this, we should do whatever we can that is within our control to live a long and happy life. You can’t prevent yourself from being injured in an earthquake, but you can prevent yourself from dying due to a smoking related illness. 2. Smoking is no longer cool Many people begin smoking due to peer pressure or for other social reasons. At one time it was fashionable or “cool” to smoke, but that is no longer so. With study after study confirming the harmful effects of smoking, the tide has turned. It is becoming quite difficult to smoke in public areas and smoking is viewed as a nuisance by the society at large. If you began smoking to be “in”, take a look around and you will see that the times have changed. Keep up with these changes and quit smoking now. 3. Set a good example for your children or people who look up to you If you know that becoming a smoker was a mistake, then you should make sure that your children or friends who look up to you do not follow in your footsteps. The best way to teach others is by example. If your children or family see that mom and dad or their older brother and older sister do not smoke, then they will be less likely to start smoking. So, think about the example you are setting, and do whatever you can to change your life style. 4. Improve your athletic performance If you like to play sports then you already know that endurance is very important. Smoking interferes with your breathing and your body’s capacity to absorb oxygen. If you want to improve your athletic performance and increase your endurance, then it is time to put down your cigarettes. 5. Don’t pass on smoke and harm others around you Even if you are the only one who smokes in your house, your smoke is harmful to your non smoking loved ones. Second hand smoke has been proven to be the cause of disease in non smokers and that is the main reason why smoking is now being banned in public places. While the new non smoking laws will help to protect the public at large, you can protect your closest family and friends by making a personal decision to stop smoking There are lots more reasons to quit smoking, but just think about these five reasons and make a decision that you are going to do whatever it takes to stop smoking. It could be a decision that will help you to live a long, healthy and happy life.


    The Poker Fish


    The game of poker is really strategic and as in all games of strategy in this game you will find that there are some weak player and some strong players. The strong players devour the weak players and take their money off them. In poker, a weak or bad player is known as a fish, while a strong or good player is known as a shark. According to the law of nature, the stronger shark kills the weaker fish. In the same way in poker, the bad players become the prey of good player. If you want to survive as a poker player you must win the game; unless you win game the chance of your survival becomes less, especially in a tournament game where you need to collect chips. The winning in this game is dependant upon strategy and luck; if you follow right strategy then you can win the game. Further there is no such absolute right strategy to win every game; each time you play you are playing against new players, also different games may require different strategies, the poker shark is always familiar with the rules of the game and knows all the tips and strategies such as table positioning, the shark uses these to his advantage meanwhile the fish has never even heard of table positioning. The connotation fish and shark is very much associated with this strategy of the game. According to the poker terminology, fish is a player who des not know any strategy. While playing the game the bad player make wild chases and try to play with long shot hands. Such bad players depend on the luck to win the game and they have to play against all odds. On the other hand the good player is equipped with different winning strategy and keeps the ability to win the game. Many new beginners want to be a master of this game in a short time; they go through many articles, reading everything they can and searching websites to gather information. Remember there is no short cut in this game; you have to learn every trick and strategy. We can say that the poker imitates the animal kingdom, where there are both predators and prey coexist side by side. The predators or good payers will seek the prey or the bad players to win the game. It is the responsibility of the bad player to flee from the table at right moment.


    Travel Alarms Be Punctual In Any Language


    You forgot to remind the hotel receptionist to wake you up. After a night of mulling over what you are going to say in the meeting, you woke up to find out that you have overslept. Once again, you found yourself rushing to another meeting. You arrived twenty minutes late. You felt very uneasy as you entered the conference room. Nine pairs of eyes suddenly focused on you. And you could’ve sworn you heard one of them say spдt wieder, in a soft disapproving voice. Late again! You winced, knowing the impact of this blunder to your negotiations and silently hoped the situation ahead wouldn’t be as grave as you thought it would be. You’re late! Sie sind spдt! Siete in ritardo! Vous кtes en retard! Vocк estб atrasado! Osoi desu! These are the words that you don’t want to hear. Being late does leave a bad impression on people. It makes you look unreliable, irresponsible and inconsiderate. No one would like to make a deal with someone who would give him more stress and problems. Your clients’ impression of you can make or break your business opportunities. You should also take into consideration that the embarrassment of being late can ruin your composure. No matter how much you have prepared the night before, you will end up stumbling and stuttering all over the place. Have you ever had this experience before? If so, has it happened a lot of times? If that’s the case, what are you waiting for? It’s time for a change! Maybe you should consider using travel alarms. Without the hassle of having to make phone calls or enduring the receptionist’s overly pleasant voice, travel alarms can make an early bird out of you. All you need are a couple of batteries as well as regular check ups. Just like cars, travel alarms need to be maintained in order to work efficiently. Of course, because all you need to do is check the power supply, the maintenance isn’t as complicated. Travel alarms come in all shapes and some of them can fit in the palm of your hand. Even better, they come in trendy designs. Some travel alarms even come with a picture frame. So, you don’t have to leave home without a picture of your beloved family or your cherished pet. Not only can it keep you from being late, it also keeps your loved ones close no matter where you go. These travel alarms also come in a sturdy case so that you don’t have to worry about the bumps and spills of a rough travel. These travel alarms can survive the worst travel conditions and the best feature of these travel alarms is their ability to wake up the heaviest of sleepers and the loudest of snorers. You can easily adjust the volume of the alarm. The loudest setting can wake you up no matter how deep your slumber is. Never be late again… You shouldn’t entrust your career to other people. There is always a chance that the receptionist may forget to give you a wake up call. And, because of her failure, you will end up paying for it. So, put your trust on something that you can trust. A travel alarm clock will never let you down.


    Flag Of Mexico Dia De La Bandera


    The Flag of Mexico is rich with historic symbolism. The tricolors of green, white and red with the coat of arms centered in the white middle stripe were adopted by Mexico following their independence from Spain during the War of Independence in 1821. There have been changes to the flag during history but the coat of arms has always featured a majestic eagle holding a serpent on top of a cactus. The current coat of arms was designed in 1968 by Helguera. Legend says that the Aztecs, then a nomadic tribe wandering throughout Mexico, were waiting for a sign from the gods telling them were to build their capital city. Their god, Huitzilopochtli told them to search until they found a place where they saw an eagle, devouring a serpent while perched on a prickly pear tree, growing out of a rock submerged in a lake. After wandering for two hundred years, they saw this mythical eagle on a small island in Lake Texcoco and built their capital, Tenochtitlan, where the main plaza in Mexico City is now located. Over the years the three colors of green, white and red on the flag have remained the same but the meaning of the colors has changed. The green stripe represents Independence from Spain or can signify Hope. The white stripe represents purity of the Catholic faith or Unity. The red stripe represents Heroes blood or Religion. When the flag of Mexico is paraded in front of a crowd, bystanders raise their right arm, place their hand on their chest parallel to the heart. The hand is flat with the palm facing the ground. This salute is known as the El Saludo Civil de la Bandera Nacional. On February 24 each year a national celebration, Dia de la Bandera, Flag Day is held. This commemorates this day in 1821, when all the factions fighting in the Mexican War of Independence joined together to form the Army of Three Guarantees. Brought to you by . FlagWave. com to honor your Mexican heritage.


    Educate Yourself To Amazing Car Finance


    When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work. First, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle. Second, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars. Next, when it comes to our car finance, don’t believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan. Before you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole. Once you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked. Remember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesn’t mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It can’t hurt and you could save yourself a lot of money that way. As the process goes on, don’t get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you don’t notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about. Always know that car financing may seem complicated, but it doesn’t have to be. Educate yourself, shop around, and make sure you know what is going on and you should have no problem. Better yet, you will find yourself with a great new or pre owned automobile.


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