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The basics of securing an auto loan

first_img The Anatomy of Fear If you’ve decided it’s time to purchase a vehicle, the best thing you can do beforehand is to educate yourself on the process. Here are some Auto Loan Basics to help you get started. Determine a BudgetFirst you need to know how much you can afford to spend and what your down payment will be. Traditionally, 20 percent was thought to be a suitable down payment for a new car, and about 10 percent for a used vehicle. However, it depends on how much you can afford. According to Edmunds.com, the general rule is that for every $1,000 you put down, your monthly payment will drop by $20. To see how various down payments will affect your monthly payment, use the Edmunds calculators. The bottom line is, put down as much as you can afford. If you will be trading in a vehicle, visit a few dealerships and ask for a trade-in quote. Also, check Kelley Blue Book, which provides approximate values for pre-owned vehicles.Lender ChoicesIn order to purchase a car, you will most likely need to borrow money. Most people borrow from a bank, a credit union, a dealership or through an on-line only lender. Complete several applications, be completely honest when answering the questions (all information will be verified!), and see which one offers you the best loan and terms for your circumstances.Interest RatesRemember, in order to borrow money, you will have to pay interest to the lender, in addition to the principal. You will be required to pay the money back to the lender in monthly installments until it is completely paid-off. As you shop around, it’s important to understand that interest rates, also known as Annual Percentage Rate (or APR) can vary. Your credit rating, price of the vehicle, length of the loan and your geographic location will determine your interest rate. For example, the shorter the length of the loan, the lower the interest rate and, conversely, the longer the loan, the higher the interest rate.Credit RatingYour credit rating is important; as it impacts the interest rate you will be charged, as stated above. The higher your credit score, the lower the interest rate you will be charged. So, you should know what your credit score is prior to applying for a car loan. According to U.S. News and World Report, those with a credit rating 720 and above receive the best interest rates. You can check your credit scores through bureau’s like FICO, TransUnion, Experian and Equifax. You should also check this information to ensure its accuracy, and to verify there is no fraudulent activity on your record. If your rating is poor, click here for tips from Experian on how to improve it.  If your FICO score is 620 or below, you will increase the chances of getting approved for a loan if you put down a large down payment.If you have good credit, it’s to your advantage to get pre-approved for a loan before you walk into a dealership. This gives you the upper hand, and a choice as to whether to accept or reject the dealership’s financing. Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Support conservation and fish with NEW Florida specialty license plate Please enter your comment! TAGSAuto Loan Previous articleApopka Police Department adds three officers to its familyNext articleHappy Father’s Day Papa God Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here LEAVE A REPLY Cancel reply Save my name, email, and website in this browser for the next time I comment.last_img read more

Hi-Tec donates outdoor walking boots to Children of Chernobyl

first_img Howard Lake | 21 July 2005 | News Tagged with: corporate AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Footwear manufacturer HI-TEC has donated pairs of Trekker JX boots from its Outdoor footwear range to the Chernobyl Children Lifeline charity. The HI-TEC Trekker JX will be presented to seventeen children visiting the UK from Chernobyl on a four-week trip organised by the charity.While in the UK, the children will undertake a programme of events and trips designed to offer them respite from the after effects of the nuclear accident.The Chernobyl Children Life Line charity host regular group trips for the children of Chernobyl, organising a range of outdoor events and excursions as well as dental checkups and treatment trips. The children stay with local families while in the UK.www.hi-tec.com/uk/local.php Hi-Tec donates outdoor walking boots to Children of Chernobyl About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.  28 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

Macmillan’s DRTV ad recruits 50,000 hosts for World’s Biggest Coffee Morning

first_imgMacmillan’s World’s Biggest Coffee Morning DRTV advert (light branding) from Magneto Films on Vimeo. Macmillan’s DRTV ad recruits 50,000 hosts for World’s Biggest Coffee Morning Howard Lake | 11 July 2013 | News Macmillan Cancer Support’s first DRTV commercial for the World’s Biggest Coffee Morning helped the charity acquire 50,000 new hosts. It helped take total donations for the event from £10 million in 2011 to £15,007,000 in 2012, an increase of over 50%.Magneto Films working with fundraising agency Burnett Works to create an advert with a documentary approach. Although Macmillan usually uses actors in its adverts, this advert feature a real family. Jo, Karin and their monther Val live in Essex and hold a coffee morning every year in memory of Val’s husband, Pete. Two versions of the advertThere are two versions of the advert: one delivers more brand messages about Macmillan, the other focusses on the pleasure of getting together and making time for what really matters. Advertisement In the more heavily branded version, the family talk about how important Macmillan were to them when Pete had cancer.The ad has been screened since early June 2012 and Magneto put its success down to the fact that it featured real people telling their own story.Magneto’s Senior Producer Gaby Jeffs said: “We are delighted that the campaign has done so well for Macmillan.  We think one of the reasons our Coffee Morning advert was so successful is that it modelled the behaviour that we were asking our target audience to adopt, some hosts even went as far as placing a photo of their loved one amongst the cakes and cups. “Also featuring a real family meant that we were able to convey a genuine experience which resonated with our target audience.”The TV ad contributed to a 127% increase in pack registrations to 118,000, with an estimated 5 million people attending.The World’s Biggest Coffee Morning DRTV advert received an IVCA Clarion Highly Commended Award 2012 for Best Charity Ad, and was shortlisted for an Institute of Fundraising National Award this year. In addition delegates at last week’s Institute of Fundraising National Convention in London voted the whole World’s Biggest Coffee Morning campaign as the “most world changing fundraising” campaign.center_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2 About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.  41 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2last_img read more

USDA Offers Secure, Convenient Online Business Options

first_img SHARE USDA Offers Secure, Convenient Online Business Options Facebook Twitter Farmers and agricultural producers in Indiana have new online options to access U.S. Department of Agriculture (USDA) programs. Through USDA’s new streamlined process producers can now register, track and manage their applications for the Market Facilitation Program (MFP) and 2017 Wildfires Hurricanes Indemnity Program (2017 WHIP) on the secure and convenient https://www.farmers.gov/sign-in.“You can conduct business with USDA from the comfort of your home, office, or mobile device,” said Steven Brown, U.S. Department of Agriculture (USDA) Farm Service Agency (FSA) State Executive Director for Indiana. “These online services save time, reduce paperwork and, in some cases, speed up processing.”MFP and 2017 WHIP are administered by FSA and are currently available on the https://www.farmers.gov/sign-in. To apply and manage their applications online, producers first need to sign up for the Level 2 eAuthentication access.  Enrolling is a two-step process. Producers who do not already have an account can register for an account at www.eauth.usda.gov. After creating the account, customers receive a confirmation email with instructions for identity verification. Identity verification can be completed online or by presenting a government issued photo ID in person at a USDA service center.In addition to the programs available through the farmers.gov portal, other programs offered by FSA can be managed at the Online Services page with the same eAuthentication credentials.“We know doing business online has become a key part of many agricultural operations and hope our online services can provide the ease and convenience you’ve come to expect,” said Brown.Individual producers have many options available for conducting business online with USDA agencies including FSA, Natural Resources Conservation Service (NRCS) and the Risk Management Agency (RMA). Online tools such as the NRCS Conservation Client Gateway offer customers added flexibility and a secure web portal to track payments, report completed practices, request assistance, and sign documents. Level 2 eAuthentication access is not yet available for entities, but it is available for individuals.To learn more about conducting business with USDA online and to locate the nearest USDA service center, visit www.farmers.gov.Source: Indiana Farm Service Agency SHARE Home Indiana Agriculture News USDA Offers Secure, Convenient Online Business Options By Hoosier Ag Today – Oct 17, 2018 Facebook Twitter Previous articleU.S. Seeking Trade Agreements with Japan, EU, UKNext articleWheat Planting Underway Hoosier Ag Todaylast_img read more

White supremacy posters on TCU’s campus under investigation

first_imgThis poster was one of many found on campus promoting white supremacy and anti-Muslim rhetoric. TCU parking: No room on the asphalt ReddIt Linkedin Facebook printTCU police are reviewing video as they try to determine who posted fliers promoting white supremacy and urging white people to “take back America,” and “Imagine a Muslim free America.”The posters, which were found in the Mary Couts Burnett Library and the Bass Building, were stamped with bloodandsoil.org. Vanguard America, which describes itself as a “white nationalist American youth organization,”  runs the site.The site claims: “Our religion, our traditions, and our identity are dragged through the mud by the globalist establishment while millions of nonwhites flood our nation every year. If current trends continue, white Americans will be a minority by 2044. It’s time to take a stand.”Video footage from the Bass Building and the library  is being reviewed as part of the investigation, said Detective Stephen Hall.“It’s not a crime, but it is against school policy,” Hall said. “If the flyers were distributed by students, the campus can address it with them.”Photos of the fliers were posted on Snapchat before they were removed.The bloodandsoil.org domain was registered two weeks ago; its Youtube channel has been active for at least six months. ReddIt Linkedin Previous articleFrogs drop another close one against Oklahoma for seventh straight loss, 73-68Next articleHorned Frogs defeat Ole Miss 5-3, sweep weekend in Houston Emily Laff RELATED ARTICLESMORE FROM AUTHOR TCU alum writes book on finding purpose Welcome TCU Class of 2025 TCU tells Greeks: No Hazing Emily Laffhttps://www.tcu360.com/author/emily-laff/ Emily Laff Students react to controversial speaker’s views on radical Islam Facebook + posts World Oceans Day shines spotlight on marine plastic pollution TCU places second in the National Student Advertising Competition, the highest in school history Emily Laff is a senior journalism major (and die-hard Broncos fan) from Denver, Colorado. When she is not out reporting she is most likely at a Krispy Kreme drive-through or in an aisle at Barnes & Noble. Twitter Emily Laffhttps://www.tcu360.com/author/emily-laff/ Emily Laffhttps://www.tcu360.com/author/emily-laff/ Twitter Emily Laffhttps://www.tcu360.com/author/emily-laff/last_img read more

Technological Insights Into Natural Disasters

first_img Related Articles The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Natural Disasters Tech Demand Propels Home Prices Upward 2 days ago August 9, 2019 1,426 Views The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Natural Disasters Tech 2019-08-09 Mike Albanese Technological Insights Into Natural Disasters Previous: Eileen Fitzgerald to Lead Wells Fargo’s Housing Affordability Philanthropy Next: Mortgage Cadence Adds New Capabilities About Author: Mike Albanesecenter_img A CNBC report follows a new brand of tech companies using advancements in technology to track how climate change could impact real estate in the not-so-distant future. The report states that a joint study from Heitman and the Urban Land Institute title, “Climate Risk and Real Estate Investment Decision-Making,” revealed real estate markets “are far from understanding climate risks enough to price them in today.” Additionally, companies are turning to high-tech data analysts who can go well beyond current flood maps to forecast climate risks for real estate. Rick Sorkin, CEO of Jupiter Intelligence, was asked in the report what he thought of the water surrounding the island of Manhattan, his response: “It’s beautiful, and it’s incredibly dangerous.” Jupiter, whose clients include the cities of New York and Miami, Florida, is a startup tech company backed by $40 million in venture capital. “We’re seeing a dramatic expansion of large corporations coming to us and saying, ‘we need to understand the risks in this office complex, the risks in this hotel, or the risks in this neighborhood, where we have hundreds of millions of dollars of mortgages out,” Sorkin said. Jupiter analyzes properties, using predictive data points and then gives clients a risk score, forecasting up to 50 years into the future. Analyzing data to prepare for a disaster is key, and it was among the topics discussed at the Five Star Institute’s Disaster Preparedness Symposium, held on July 31 in New Orleans, Louisiana. Jody Gunderson, EVP of National General Lender Services, who also moderated a panel on disaster data during the event, said both insurance and mortgage industries “have more information than event” to identify the impact of natural disasters. “Meteorological forecasts have become more accurate and are able to discern potential events, especially hurricanes, further in advance,” Gunderson said. “We also have better information about potential flooding and wildfire events. This enhanced data and more precise modeling translates into better analytics and thus a better borrower experience.”She added that data can also teach lessons, saying that insurance industry loss data currently specifies many properties that are underinsured and lacking coverage to rebuild in the event of a natural disaster. The race is on to predict climate risk, and these tech start-ups are in the lead from CNBC. Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Home / Daily Dose / Technological Insights Into Natural Disasters in Daily Dose, Featured, Loss Mitigation, News, Technology Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. last_img read more

Fears Home Help crisis in Donegal has deepened considerably

first_img Derry draw with Pats: Higgins & Thomson Reaction Previous articleDynamo set to make magical return to our TV screensNext article10 people awaiting in-patient beds at LUH News Highland Facebook DL Debate – 24/05/21 WhatsApp Google+ Pinterest WhatsApp There are fears that the Home Help crisis in Donegal has deepened considerably, with patients unable to return home from hospital due to a lack of packages available. The crisis is said to be also affecting capacity issues across the county, as many hospitals do not have a full complement of nursing staff due to the employment embargo.While the Government has indicated that hours have increased year on year, it’s thought that this is not reflected on the ground.Donegal Deputy Pat the Cope Gallagher believes that the service is on the verge of collapse, as another winter looms:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2019/08/copehomehelp.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Twitter FT Report: Derry City 2 St Pats 2 News, Sport and Obituaries on Monday May 24th center_img Fears Home Help crisis in Donegal has deepened considerably By News Highland – August 23, 2019 AudioHomepage BannerNews Google+ Pinterest RELATED ARTICLESMORE FROM AUTHOR Important message for people attending LUH’s INR clinic Twitter Facebook Arranmore progress and potential flagged as population growslast_img read more

Irish Naval service involved in rescue operation off Fanad Head

first_imgHomepage BannerNews WhatsApp Arranmore progress and potential flagged as population grows Facebook Important message for people attending LUH’s INR clinic Google+ RELATED ARTICLESMORE FROM AUTHOR WhatsApp The Irish Naval service assisted in a rescue operation off the coast of Donegal on Saturday.LÉ Ciara responded to a PAN PAN distress call from a small craft with two people onboard, taking on water approximately 9 nautical miles north of Fanad Head.The vessel was located and station maintained until Lough Swilly RNLI took it under tow.Lough Swilly RNLI was launched at 4:55pm and towed the vessel before landing it at Buncrana pier with its crew safely.LÉ Ciara was stood down and resumed Maritime Defence & Security Operations patrol. Community Enhancement Programme open for applications Nine til Noon Show – Listen back to Monday’s Programme Facebookcenter_img Pinterest By News Highland – August 5, 2019 Twitter Pinterest Twitter Irish Naval service involved in rescue operation off Fanad Head Google+ News, Sport and Obituaries on Monday May 24th Loganair’s new Derry – Liverpool air service takes off from CODA Previous articleAmount of businesses unprepared for no-deal Brexit ‘a worry’ – InterTradeIrelandNext articleMan due in court following assault on female bus driver in Derry News Highland last_img read more

Williams holds a song in his heart

first_img Williams said that it’s the great message of that song that has made it his favorite:“Mercy there was great and grace was free. Pardon there was multiplied to me. There my burdened soul found liberty at Calvary.”Williams was born in a log cabin between Henderson and Goshen in 1913. When he was a teenager, his family moved to Columbus, Ga.There, he quit school and went to work in the cotton mill for eight dollars and five cents a week. Dan Williams leaned back in his “easy” chair and wrinkled his brow. Then, he shook his head.“I just don’t know,” the retired Baptist minister said. “I just can’t answer that.”Like many who are blessed with many years, Williams had no magic formula for living a long life. He just knew that he had been richly blessed. Pike County Sheriff’s Office offering community child ID kits By Jaine Treadwell Book Nook to reopen Williams holds a song in his heart Remember America’s heroes on Memorial Day You Might Like Miss Pike County named Scholastic Winner at ‘Peanut’ Few, if any, of the 47 contestants in the Miss National Peanut Festival Pageant had a larger cheering section than… read more Published 10:13 am Thursday, October 23, 2008 Email the author Plans underway for historic Pike County celebration Latest Stories Williams celebrated 95 years on Oct. 13 and was treated to a festive party at Troy Manor by the Monday prayer group that meets there weekly.He usually leads the singing and sometimes will “supply” if there’s no guest speaker.“They had told me that if my birthday ever came on Monday, we would sing all four verses of my favorite song, ‘At Calvary.’ We usually sing two verses but, on my 95th birthday, we sang them all.” Troy falls to No. 13 Clemson “I started out sweeping floors and worked my way up to straw boss,” he said. “At night, I was taking a business course.”At the same time, Williams was feeling the nudge of God’s call. He had served his church as a deacon, song leader and youth leader but had not found the fulfillment he desired.In 1957, a group from his church was going to an event at Ridgecrest, N.C. and one of the drivers couldn’t go. Williams was asked to go along as a driver.“At Ridgecrest, they had a prayer garden and, early one morning, I went out in the garden and me and God made the decision that I was to go into the ministry,” Williams said. “I attended Bible College at Graceville, Fla. for three years. Then I served churches in Georgia and Alabama for the next 30 years.”Williams said he preached the Word of God and, at times, his sermons might have reached the level of fire and brimstone.“I guess my preaching was a mixture, according to the congregation,” he said, with a smile.“But I was more of a preacher than a teacher. I preached the Word.”Williams found favor with Jonah and identified him as his favorite Old Testament character.“There are a lot of ‘favorites’ in the New Testament,” he said. “But Jonah was a man on the run. He ran from what the Lord told him to do. He ended up in the belly of fish and it spit him out. Then he repented and did what God called him to do.”Williams said people today are either obedient or disobedient to God’s will or they are trying to stay ahead of God.“Sometimes God has to hold us down,” he said. “He’s had to hold me down at times. God would tell me to preach a sermon and I wouldn’t do it because I didn’t want to hurt somebody’s feelings. He had to hold me down.”For Williams, life has been good. At age 95, he can’t do the things he used to do and he misses his wife, Audrey Mae, who died in 1995. But he has the love of his family and friends and a faith that will see him through anything.And, he still has the special gift of song that God gave him and he continues to use it to God’s glory. Sponsored Content By The Penny Hoarder The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Skip Print Article Around the WebMd: Do This Immediately if You Have Acid Reflux (Watch Now)Healthy LifestyleIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthTop 4 Methods to Get Fortnite SkinsTCGThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

Women in equal pay protest at CBI conference

first_imgHundreds of women and girls protested outside the Confederation of BritishIndustry’s (CBI) annual conference in Manchester last week demandingorganisations carry out mandatory equal pay audits. The demonstration wasorganised by trade union Amicus which claimed it will take 40 years beforewomen are guaranteed equal pay without government intervention to make payaudits compulsory. The protesters argued that the CBI is effectively endorsingsex discrimination by failing to back mandatory audits. Amicus joint generalsecretary Roger Lyons said: “The CBI is aiding and abetting the theft ofwomen’s wages by sexist employers.” A CBI spokesman agreed the pay gapmust be tackled but said it opposed statutory pay audits as they would createan administrative burden for employers. Comments are closed. Women in equal pay protest at CBI conferenceOn 3 Dec 2002 in Personnel Today Related posts:No related photos. Previous Article Next Articlelast_img read more