Archive | November, 2013

Understanding Vehicle Finance

When it comes to vehicle finance consumers are often left a little confused. Although in most cases of purchasing a vehicle, a loan or other finance is necessary, it can be a big commitment which can leave many people feeling a little overwhelmed. However, by gaining a little insight into the types of vehicle finance, you can have the information necessary to make an informed decision next time you are considering replacing your vehicle.

Questions to ask before considering vehicle finance:

Before beginning to research the options for vehicle finance consumers should ask themselves a number of questions. The answers to these questions will help to determine the extent and type of finance needed for your specific circumstances. The questions should include:

• Can I afford a new vehicle? Although this may seem like an obvious issue, many people fail to take into consideration the potential long term implications of financing a vehicle. Once you have secured finance, you are committed to making a repayment each and every month for the duration of the loan. You should consider not only if you can comfortably afford the repayments but also if you will have enough disposable income to cover any unforeseen expenses in the future. If you are tempted to over commit yourself with your vehicle finance, you may struggle in the future and it could potentially impact your credit rating.

• What type of vehicle am I considering? This will have a significant impact on the amount you may need to borrow. You should be realistic in your choice of vehicle and you may need to make some compromises to accommodate your budget. However, once you have researched your ideal vehicle, you will have a figure in mind for how much you will need to borrow.

• What term loan would I prefer? Many people give this very little consideration, opting for the “cheapest” loan option. However, the longer the duration of the loan, the more it will cost in the long term. It may be worth paying a little more each month with a shorter loan term, if it is feasible.

Providers of vehicle finance:
Many people simply choose to use the finance package offered by their dealership. However, this is not always the most cost effective option. There are other financial institutions who offer loans and vehicle finance consumers should also consider brokers. Many reputable brokers have access to a wide selection of lenders and can provide deals which are not available from the lender directly. This can allow you to assess the availability of finance options open to you, without needing to spend hours on the phone or surfing the internet. Brokers can also provide assistance with the administration and paperwork associated with a loan application, which can reduce the stress of seeking finance.

If you are interested in learning more about vehicle finance consumers should contact us. We are a broker specialising in vehicle financing for personal and business customers. Our representatives would be delighted to assist you with any questions or queries you may have, and help you obtain a great finance deal for your new vehicle.

Posted in Auto Loans Comments Off on Understanding Vehicle Finance

Washington, Technology, Training Influence 2014 Hiring Trends

Recent survey results from CareerBuilder point to continuing caution on the part of American business to commit to hiring in the near future. Even those companies that do plan to seek new employees in 2014 will do so less aggressively than previously. Small business, in particular, will be moving slowly to sign new employees, with not even 20 percent of less than 50 in the workforce planning to increase their numbers this year.

Among larger businesses, the projected growth rate is similar. Only 24 percent of firms plan to add full-time, permanent employees, down a full two percentage points from last year.

Continuing uncertainty in Washington is cited as a big reason for the caution, but there are other factors as well — some of them unexpected. Growth of new technology is a boon to business in many ways, but it may also be considered a means of replacing human skills. Efficiencies generated by mobile technology and internet marketing, as well as advances in communication, customer service and online ordering may contribute to lowered staffing requirements, according to analysts.

The double-edged sword of technology, while it makes recruiting and managing easier though such software as efficient applicant tracking systems, also has eliminated the need for some human resources positions. American business won’t be chucking new technology anytime soon, however, so job growth must be considered in terms of the economy’s health and the ability of companies to realize increased profits.

The way Washington deals with debt issues early in the year is sure to have an effect on business expansion and job growth. As issues are resolved, CareerBuilder CEO Matt Ferguson thinks the potential exists for new hiring at a pace greater than 2013. But business has adopted a wait-and-see posture.

Sales and IT positions are at the top of the want list for those firms planning on hiring in the new year. Marketing and business development, administrative posts, and customer service specialties are also cited as potentially needed positions.

Not surprisingly, a trend toward hiring more part-time employees is likely to continue due to the Affordable Care Act. Twelve percent of employers mentioned it as a reason for cutting back on hours, or for hiring more part-timers. A positive trend for American workers, however, is the return of some previously off-shore jobs, and that also is expected to continue.

Finally, about half of the human resources managers surveyed report a skills gap; they say that some positions go unfilled for three months or longer due to a dearth of qualified applicants. Today companies, 46 percent of them, are willing to train new hires; and a quarter of them will send employees back to school to earn advanced degrees, and pick up at least part of the cost.

Posted in Management Comments Off on Washington, Technology, Training Influence 2014 Hiring Trends

What Is Auto Equity Loan?

Looking for some fast cash? Not willing to opt for the traditional loans which require considerable time to approve the loan amount? Auto Equity loan can solve your financial problem seamlessly. It is one of the most effective ways to get some fast money with minimal verification of your income and with no credit check at all.

Let me offer you a more clear idea. Auto equity loan is a kind of secured loan that allows the borrower to use title of the vehicle that they own as the collateral. Borrowers who are eligible to get this loan should allow the lender to place a lien on their vehicle title. Moreover, the borrowers in order to secure the loan should hand over the hard copy of the car title to the lender. As you repay the loan, the lien will be removed and you will get back your car title. Now, do you know what a car title is? It is the legal certificate for a car that establishes an individual as the legal owner of the vehicle.

If you fail to make the payment on time, then your lender can repossess your car. They can even sell it out to repay your outstanding debt. These are typically short-term loans and in most cases the interest rate is comparatively lower than unsecured loans. It is also often the most preferred way to get fast cash. Moreover, your credit history will not be considered by the lenders while lending you the money. They will only take into account the condition and value of your vehicle.

How Auto Equity Loans Work?

While offering you the loan, the lending company will evaluate the value of your vehicle on the basis of the wholesale price. They will decide the loan amount based on what they think your vehicle is worth. The lending company will then hold your car title until you repay the loan. You will be given a specific term to repay your loan. If the borrower fails to repay the credit within the stipulated time, you will have to sell your car to the lending company. However, many companies also provide the option to roll over the payment.

However, before entering into any financial agreement with a money lending company, check out what step they are likely to step or the options that the company provides, in case of non-payment or late payment of loan.

When you are obtaining loan against your vehicle, you are putting your car title up in exchange of cash. What is most beneficial about this loan is that you are still the owner of your car, even though the title of the vehicle is on loan. This also applies that you can still use your car during your loan term.

Who can qualify for the loan?

In order to qualify for auto loan for bad credit, car owners should have the vehicle insurance. He should also own the car title completely. If you are still indebted to the bank from where you have taken loan to buy your car and your car title still remains with the bank, you cannot opt for the loan. The money lending company will not allow you to use your car as collateral to secure the loan.

Hope you have learnt some essential facts about auto equity loans in this article. And I’m sure it will help you to decide what type of loan you want for buying a car.

Posted in Auto Loans Comments Off on What Is Auto Equity Loan?

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