2018

Today when it comes to getting a used car has become much easier with the invention of the internet. No longer do you need to look just at those available close to where you live but if you are willing to travel then you can look further afield by using many of the online auction sites and used car sites as well. Below we provide the top ten tips for buying a used car which you should be keeping in mind when trying to get your ideal one.

Tip 1 – Before you go ahead and buy a used car it is important that you do as much research into your chosen vehicle first. As well as looking through various internet used car listings then spend time reading through as many professional road test reviews that have been written. Also read as many reviews written and posted by people who currently own or have owned the model of car that you are interested in.

Tip 2 – Next you need to determine just how much the car is going to cost once you get it. Along with comparing the mileage ratings for the car that you are interested in you need to take into consideration what it is going to cost to upkeep the vehicle as well. There are plenty of websites online including the likes of fueleconomy.gov which provides you with the EPA mileage figures for any vehicle that has been made from 1986 to 2008. Plus sites like this will also tell you what kinds of greenhouse gas emissions the vehicle produces each year as well.

Tip 3 – The next thing you need to do is look at the cost of insuring the car you are interested in. Unfortunately the insurance premiums you pay on a vehicle are dependent upon a number of different factors. Along with the age of the driver and how much no claims bonus they hold the car’s sticker price will affect how much you pay in insurance for it, plus what it is going to cost to get it repaired, how safe the vehicle is and finally is it a vehicle which is likely to be stolen. What’s the point of purchasing a vehicle if only you cannot afford to get the insurance for it?

Tip 4 – If you need to arrange financing in order to purchase a used car then it is best if you arrange this through your bank or credit union as the rates they charge are considerably lower. Plus this puts you in a position with the dealership or owner of the vehicle to be able to get a better deal on the vehicle that you are after. Also before you go and get your financing it is worth checking your credit rating first to ensure that you won’t be hit by any unexpected problems that could affect what kind of financing deal you get. The three major credit reporting agencies are now by law required to …

Have you done a major renovation to your home lately? If you have, it will likely affect the reconstruction costs associated with rebuilding your home and it is a recommended time for a conversation with your insurance professional. Remembering to regularly review your home coverage with an insurance professional is a good step towards maintaining a level of insurance adequate to rebuild your home, in case of disaster.

So why else do reconstruction costs differ from a home’s market value or even the cost of new construction? Reconstruction costs can be affected by a number of factors, including but not limited to:

  • Economies of Scale – When houses are originally built, it is usually a case of many homes being constructed at the same time. This means that materials and fixtures required for the builds can be purchased by the contractor in one transaction, and often at a bulk rate. Just as buying 50 or 100 bathtubs at the same time will cost less per unit than buying just one, you can apply the same economic benefit to buying almost anything else required for home construction in quantity as well. This can add up to thousands of dollars in savings when compared to single home builds.
  • Reverse Reconstruction – New construction almost always follows the pattern of establishing a foundation and building up from there. When reconstruction is required, and you need to rebuild a home that isn’t a total loss, you need to start by pulling off the roof and working from the top down. As this process is labour-intensive, and takes more time to accomplish, it is generally more expensive as well.
  • Site Preparation – When a home needs to be reconstructed, the site it sits on needs to prepared before any new construction can proceed. This usually means additional costs for demolition of any remaining (unusable) structure and removal of the resulting debris. In cases of intense fire, soil remediation may be required as well. In new construction projects, site preparation is usually limited to costs for brush removal and grading.
  • Labour Costs – Having tradespeople such as carpenters, brick layers, drywallers, electricians, plumbers, roofers, and painters all onsite for an extended period of time can aid in scheduling and efficient usage. If a particular home isn’t ready for work requiring their specific expertise, they can probably be moved to work on a home that is. This flexibility in scheduling is not usually possible when working on a single home, and has a huge impact on overall costs when you consider that labour is one of the largest components of reconstruction costs.
  • Accessibility – Reconstruction of a destroyed home is often required in established neighbourhoods with mature trees, lawns, landscaping, and fences. These and other obstructions may limit access to the worksite and thereby increase costs in getting needed reconstruction materials to the worksite.
  • Older and Custom Homes – Reconstruction of older or custom homes generally must include the replacement of features and finishes which are considered

LED TVs have rapidly become incredibly popular, and are clearly emerging as the new standard in televisions. Technically an advanced type of LCD TV, LED TVs have acquired the market enough to fall into a category of their own, and are poised to give older LCD TVs a serious run for the money. The technology allows for a greatly improved picture quality compared to plasma, LCD and DLP TVs. As the price gap narrows between LED TVs and the rest, be sure to check out all the features to choose the best LED TV for you.

Everyone is buying LED TVs, and the smart ones are making sure those TVs are wi-fi compatible. After all, everything is going wireless these days, so why not your TV? Out of all the manufacturers of LED TVs, the brands that stand out by offering wireless capabilities are LG and Samsung. Out of these two, Samsung is the brand that is generally considered the leader of this particular market.

On the other hand, LG's plus points include the fact that their TVs tend to be less expensive while also getting excellent customer reviews. While you're going wireless, be sure to check that your new audio and video devices fit the bill, too – for starts, you can look out Sony's great new wireless Blu-ray player which comes at an attractive price tag.

Thanks to LED technology, added to which is the new line of semiconductors, video images are sharper than ever – you will enjoy deepest blacks, crisp whites and all-round color vibrancy in an overall viewing experience that is nothing short of spectacular. Higher contrast ratios of 500,000: 1 and faster refresh rates at 250 Hz and above mean that you get picture quality that is beyond compare. Lifelike images and crisply displayed motion, even for high-speed content, takes TV viewing into the future.

Not only is the picture quality great on the best LED TVs, but they are designed to use significantly less power. On average, these televisions use 40-50% less power than comparable LCD TVs, making them easy on power resources as well as on your wallet – you'll find yourself paying less each month in utility bills. What's more is that no mercury is used in making these TVs. Mercury is toxic to the environment, and is generally used in LCD TVs so it's great that these TVs are made without this harmful substance.

As a general trend, the best LED TVs in today's market have consistently been coming from Samsung, clearly at the forefront of this technology. Not far behind are brands such as Sony and Toshiba. As the competition gets more fierce, prices of these TVs will consistently be lowered, and quality improved as kinks and bugs are fixed in the performance. Generally speaking it is recommended to go not for the top of the line models but the ones right below, for the best price-and-performance balance to get the best value for your money.

In these cases …

In today’s era, chip constitutes an important mechanism of your car and plays an interesting role in remapping the engine control unit (ECU) of your car. Mechanically, the main objective of ECU is to make smooth flow of air and fuel throughout your vehicle, generate high pressure and improve its performance in form of acceleration and fuel efficiency. Remapping the engine control unit completely changes the functioning of engine and facilitates you to determine its working according to your requirements.

Now the question might arise in your mind that why a person will need to remap the Engine Control Unit of his car, if he is enjoying its flawless drive without any issue. Well, an answer to this question can be to enjoy the hidden powers of his car. Being a layman, you must be unaware about the functioning of ECU, so it may be defined as heart of the engine installed in your car whose main function is to control the working different components while driving. The settings of these components are determined according to mechanism of the car so that it offers smooth performance to its driver.

This setting is basically determined according to climatic and driving conditions prevailing in different countries across the world. As most of the car lovers are normal drivers they do not pay much attention towards all these aspects while buying their favorite car, because their main requirements from their car are fuel efficiency and integration of contemporary features and safety features.

Whereas, on the other side there are car enthusiasts for whom a car means a device which they are entitled to use according to their wishes by using its all potentials. But, as those potentials are not configured in the car which they drive in their continent they are not able to enjoy its drive according to their wish. With remapping the ECU, today be redefining the settings of different components with help of a small chip they can get rid of this problem.

During the remapping the new chip or software is configured in the serial port of the car for rewriting the setting of engine with new code that are mentioned in the software. The process of remapping is almost the same for both petrol and diesel variants.

Benefits of ECU Remapping:

  1. Increase in Power and Performance: The remapping of ECU results an improvement power and fuel efficiency of your car. It would be interested to know that remapping of diesel variant offers much better results as compared to petrol variant. The rewritten ECU offers improved fuel efficiency, improved ignition timings and optimizes the overall performance of your vehicle.
  2. Enhances the Aesthetics of Your Car: The ECU remapping is not restricted only in determining the settings of engine but also refers to determining the settings of different components like exhaust system, braking system etc. Because to enjoy improved performance of engine it is mandatory that these components should also be compatible according to engine’s setting to offer better response.

Photographers are always looking for ways on how to make money selling photos online. There has been few successes in this field. One of the most successful microstock photographer is Yuri Arcurs who is dubbed to be the "world's best microstock photographer". You can try to emulate the methods he used to make money selling photos online. You can also sell your images on Getty Images, Corbis Images or Istockphoto. It was quite easier back then to make money selling photos online but when Web 2.0 came in, things have changed. Let me show some tips on How to Make Money Selling Photos Online.

Before we begin, Let me ask you some questions. "Will you sell photos online to make it as your primary or secondary income?" "Will you sell photos online to help your photography business?". If your answer is yes to both questions, make a list of your available resources to make it happen. If you have not listed Facebook and Twitter then you are already missing out on the potential to sell your photos online to about 500 million users of Facebook and Twitter.

If you already have a Facebook account, create a Facebook Page or a Fan Page. Name your Fan Page the same as the name you use for your photography business. Why is it important to have a Facebook Page? Your current Facebook account limits you to 5,000 "Facebook Friends" while a Fan Page will give you unlimited number of "Fans". If you do not have a Twitter account, create one and get a Twitter username that is relevant to your photography business as well. If you are asking how Facebook and Twitter will help you make money selling photos online, then you have to read on.

Now that you have a Facebook Page and a Twitter account. Let me show you a tip on how to make a Facebook Page that will help you make money selling photos online. There are few Facebook apps that you can use to make an awesome Facebook Page one of them is static FBML. There is a new Facebook app that is so much easier to use and that is the Tigerlily App. You can find it by going to search and type Tigerlily. What it does is that it gives you two tabs which are more than enough to put information about your photography business and will help you make money selling photos online. The most important widgets to add on your Tigerlily app are the picture widget which when clicked will redirect the viewer to your website and the Twitter tab which will post your Twitter feed.

If you do not have a website, you should create one now. The cost of having a website has gone down. You start with registering a domain name think of something that is relevant to your photography business. Find a webhosting company and there are some you can pay for as cheap as a dollar a month. The …

Unless you were lucky enough to be born into a family that has a large amount of money, then chances are you will have to work for money at some point in your life. You will earn a salary or hourly wage and you will use that money to pay your way in the world. But ever, you will want to stop working and enjoy a retirement age. And if you have been wise and put your money to work for you, then you can often reach that time of relaxation much earlier.

Of course, not every situation is the same. Some people may have specific goals for which they are saving in addition to their basic retirement expenses, such as sending a child to college or buying a second vacation home. You may have a pension from your work, or you may be on your own when it comes to retirement expenses. Taking into consideration the fact that life expectancies are increasing all the time, and you may find yourself needing to plan for a greater period of time than you may think. So having your money start to work for you at an early age will pay out more and for a longer period of time in your future.

How is this so? Well, in part, as we discussed in the 'Get Rich Slowly' article, investing your money allows you to stay ahead of the depreciation of money's value and earn some return on your investment as well. But there is also the fact that interest compounds over time, adding to your earnings without you having to lift a finger. As an example, let's say that you were to invest $ 1.00 today and the annual interest rate or rate of return of the investment is 8%. That means that in one year, you will have $ 1.08 in the account. If you leave that money where it is, at the end of the year you will have earned interest on not only your original $ 1.00, but on the previous year's interest as well, giving you about $ 1.17. This compound interest will continue, year after year. But imagine that instead of $ 1.00, it's $ 100, $ 1,000 or even $ 10,000 that you start with and you can see the value over time.

Of course, this is only one possible way to invest. Most of us do not have $ 10,000 to invest from day one. Instead, we will be building our savings over time. We may start with $ 100 a month, added each month over the years. You can still reach a significant savings, but it will simply take more of your own money to get there. This is called an 'accumulation annuity,' and you can use calculation tables available from your investment broker, bank or online to figure out exactly how much money you will need to invest regularly in order to reach your goal. But to give you an idea; if …

As technology evolves, we are continuing to become reliant on mass amounts of data to forge ahead, but how is all that data managed and is it secure? What people in your company are managing all of this important data and do they have too much access?

The Growth of Data

The world's information is doubling every 2 years with 1.8 Zettabytes in 2011 alone. Corporate data continues to grow at a rate of 60% per year.
In the corporate world, data is a big deal yet only 17% of companies use 75% or more of the data they collect. This, 74% of companies feel that it is "extremely valuable" to achieve a competitive advantage.

Who Is Using This Data, and Do They Know How?

Companies may have a lot of data, but they struggle from poor organization, a poor process for sharing and lack of effective policies to secure the data.
• In 60% of companies data is an executive level responsibility.
• Less than 20% of IT managers are responsible for their company's data strategy.
• For 73% of companies, it makes a contribution to competitive intelligence.
• 59% of big businesses believe that improving corporate data sharing efforts and security have given them a competitive advantage.

Using loyalty card data (which has 16 million active members in Britain) took Tesco's market share from 20% to 30% in one year.

The Victims of Big Data

While data can help a company gain great success, security is a major concern. In fact, 75% of companies have experienced a break in the last 2 years! These joints have made it harder for executives to use data to their advantage.
• 28% of executives feel that data is bottlenecked after a security break.
• On average, a data bread costs a business £ 3.47 million.
• The business of managing and securing company data will grow from £ 252.7 million in 2012 to £ 631.67 million in 2016.

Secure Your Business Data

Securing your business data is a must, because data is going to continue to be a competitive backbone for companies around the world. The two main steps your company can take with regard to business data security are making sure your users understand security, and above all, the need to ensure that your hardware and applications are always up to date with the latest firmware and software patches and upgrades. Statistically, if you do this, you will be safe from more than 90% of external security attacks. If you start from a strong security foundation, then maintaining and improving that place will be much easier. Where security is concerned, never hesitate to seek advice, whether from your colleagues, peers, publications or professionals. …

If you are even considering to buy life insurance do you have the hardest time when it comes to deciding on Whole Life vs Term Insurance?

One life agent named Vicki Gunvalson (not affiliated with our organization) vaguely states…

The difference of term to permanent. I think that term is being sold to a lot of clients under age 40 where I try to talk more permanent coverages when over age 40 with more on the estate planning side where it is something they want to have for their beneficiary’s benefit when they are an age 100.

So with term we could obviously only go 20 to 30 years but when we’re looking at 40-50 year olds I always talk to them about permanent coverage.”

In contrast to what Vicki states we wholeheartedly, wholeheartedly believe that no one should purchase anything other than term life ins. When you have an agent trying to sell you Whole Life, Variable Life Insurance or Survivorship Life Insurance then be extra cautious with this life insurance agent because they may be looking at their own interest and financial gain rather than you and your loved one.

Whole Life vs Term Insurance

Permanent Insurance, which includes Whole Life, Universal Life, Variable Life and Survivorship Life insurance has a built in “Cash Value” but when you understand that the cash value really means nothing to your bottom line you will never think about purchasing any of the types of permanent ins.

Cash Value is the “investment” portion of life ins that you can access through loans or withdrawals. The death benefit may be reduced with the withdrawals and there may be some charges which could affect your policy in the future.

Also, you definitely do not want to have life coverage forever. If you understand how expensive continuously paying into a life policy can be you will definitely rethink this purchase. At age 100 the cost is $1000/month for every $1000 of coverage. So if you have a $500,000 policy it will cost you $500,000 per month at age 100. You only need it when you are younger and when you have dependents counting on you for your income. Outside of that temporary time period you do not need this coverage. Again, it is only for a temporary period of time.

Insurance agents that tell you the benefits of cash value either don’t know how bad a permanent insurance policy is for you or they don’t but chances are they know how much commission they stand to make from selling one of these whole life policies to you and have chose that route instead of looking in you and your family’s best interest.

What? Do you mean I get to invest with a life policy? Isn’t that wonderful?

Yes, there is an investment portion to these permanent life policies but in reality the cash value is never really yours. It’s the insurance company’s money and they will allow you to borrow from it. They …

When it comes to cancer health insurance, there is one underlying question that many people want to answer: who benefits more from such insurance coverage, the one buying insurance or the insurance providers themselves? Of course, you know what you want the answer to be, but what is the reality of the situation? Another question has cropped up relating to cancer medical insurance: for what is it worth to buy cancer health insurance coverage?

To find the answers to these questions, the history of cancer medical insurance should be briefly explored first. There used to be only three or four major companies offering this kind of insurance, but today there are around 15 who promote this option heavily and another 50 that still write their fair share of cancer medical insurance policies. When the concept of cancer health insurance first surfaced, agents would literally travel from city to city selling insurance for cancer. Their emotional appeal is what allowed them to make sales.

While times have changed, there is still a high amount of emotional selling when it comes to offering cancer medical insurance to customers. For as little as $ 25 per month, you can protect yourself from the devastating costs associated with recovering from cancer. Consider the rarity of cancer. What if you are blessedly never overcome by the condition? All your payments will be lost to you. If you do contact a cancerous condition and file a claim, the past 12 years of paying for cancer health insurance-which comes to $ 3,600-may result in a payment of only $ 1,000- $ 2,000. A majority of cancer health insurance companies today only pay out 60% on claims.

These facts leave you with a few important points to consider. First, is cancer medical insurance worth it to you personally? You may have a history of cancer in your family, which means you may inherit a greater disposition for contracting cancer. In this case, cancer health insurance could certainly benefit you and your peace of mind. The other consideration is finding a company that will pay out a larger sum on your claim in order to make paying for insurance worth it in the end. Of course, what you hope is that you never become a victim of cancer, but should the unthinkable occur, your cancer health insurance will be there to back you up if you have acquired coverage from a trustworthy company. Compare providers and their rates today to help you make an educated decision.

If you need assistance in locating particular coverages at a pre-determined price, we can help save up to 50% on health insurance . …

Thinking about money in terms of being in a relationship is not the way we normally think about it. Yet, we relate with everything in our life experience, be it a person, the earth, our car, and our money. We are in relationship with it all. Think of yourself as a relationship partner with everything you come in contact with to some degree or another.

So how do you know if you need to change as a relationship partner with money and how exactly do you do that? I have just the thing for you.

First of all, look at your bank balances, your debt balance (s), your paid and unpaid invoices, your income, your savings and investments. These are the aspects of money that you are in relationship with specifically. Rate the quality of each aspect from 1-10, 10 being great, 1 being just awful. Now, this is the quality of your relationship with this particular aspect of money. Each aspect means something a little differently. This is why I have broken it down this way. You have relationships with multiple aspects of money.

If your ratings are less than 8, it is time to admit that you and this particular aspect of money need to change. You need to become much better friends, in fact, you need to be the best of friends! Some people like to think of their relationship as two lovers in love.

It only takes one person to change in a relationship for the whole relationship to change! That is good news for you since you never really have control over other people, places, things, or even money.

Let's take income as the particular aspect of money that you would like to become best friends with. If your income is not flowing to you in a consistent way, if you experience feast or famine, or if money only comes to you when you are in trouble and you're about to lose everything, these situations will reveal to you what you believe about your ability to receive and / or how much value you believe that you have, particularly in the business world.

How do you react to the inconsistent flow of income in your life, and how does it make you feel? Chances are, you may feel very stressed out and triggered to react in a fight / flight / freeze survival pattern. This could be a response similar to your conflict response in other relationships. You become a responsive partner when things get tough.

Do you become a victim to your income and blame other people for not seeing your value or do you blame circumstances (economy) for it not showing up? Perhaps you expect money to show up because you demanded that it would because, after all, you worked so hard for it, therefore, it should reward you. You could be sabotaging yourself by not reaching out and asking for what you want and need from a place of knowing it is …