Should I Refinance My House – Benefits Of A Cash-out Refinance

February 22nd, 2012

If you need extra funds for large purchases, or simply want to obtain a better interest rate on your home loan, refinancing may be a good option. Today, many homeowners are taking advantage of a cash-out refinance.

There are several advantages to refinancing a home. Moreover, refinancing also involves certain pitfalls. Before choosing to refinance your mortgage loan, carefully consider the benefits and risks.

What is a Cash-Out Refinance?

A refinancing is an approach that involves creating a new mortgage loan. You have the option of refinancing with your current lender or choosing a new mortgage lender. When refinancing, the old loan is replaced, and you begin making mortgage payments to the new lender.

Homeowners refinance for many reasons. Because of low mortgage rates, refinancing for a low rate is perfect for lowering monthly payments. Additionally, those with an adjustable rate mortgage usually refinance to acquire a low fixed rate.

Refinancing is also beneficial for obtaining extra funds. The option of cash-out refinancing involves creating a new mortgage, while borrowing some of your home’s equity. Hence, the new mortgage amount will exceed the previous amount. For example, if the old mortgage was $100,000, and a homeowner refinances and borrows $10,000 from the equity, the new mortgage principle totals $110,000.

Benefits of a Cash-Out Refinance

A cash-out refinance is ideal for homeowners needing extra funds for large expenses. For example, if your home is older and requires several upgrades, a cash-out refinance is great for financing the project. Moreover, the funds received may be used to start a business, plan for retirement, payoff personal debts, college expenses, etc.

Risks Involving a Cash-Out Refinancing

The money from a refinance is received at closing. The funds are dispersed as a lump sum of money. In most cases, homeowners may borrow up to the home’s equity. While tempting, it is important to avoid borrowing too much money. Because a cash-out refinancing increases your previous mortgage principle, your monthly payments may also increase.

Prior to applying for a cash-out refinancing, make sure you can afford the additional expense. For example, you must pay closing fees. You have the option of including the closing fees in the mortgage. However, this will also increase the total mortgage principle. To avoid the risk of foreclosure, the new mortgage amount and payment should fit comfortably into your budget.

Human Flaws and Absolute Power: A Combination For Disaster?

February 22nd, 2012

It has been said that giving a superhero the flaws of an ordinary person could only lead into inevitable disaster. The concept stems from the old adage absolute power corrupts absolutely, as superheroes tend to be in positions of great power. Arguably, any protagonist that exhibits human flaws is going to find himself subject to great scrutiny. People will always see him as being someone who must never exhibit weaknesses and flaws. Flaws and traits like social anxiety, status anxiety, mental health disorders, and psychosis can all have immense impact on a hero’s actions, which in turn can affect countless others. The flawed hero, while an interesting avenue to take in the realm of fiction, can also become a walking disaster, with the level of damage only varying on how badly things go.

The Hidden Costs Of Procrastination

February 22nd, 2012

Be honest – are you one of those people who puts things off? It’s ok – we all do it. It’s human nature. “Why do something today when you can do it tomorrow,” or so the saying goes. But procrastination (to give it it’s “proper” name) can cost us more than we can imagine.

Why do we procrastinate? In general, we procrastinate because the task we are putting off is unpleasant in some way. Either we don’t like doing it (like calling a bank), or there is some physical discomfort (like going to the dentist). The task may even be boring and monotonous, or just plain difficult.

But the effects of procrastination can run deeper than just not doing the task. Other problems it may cause are:

Being branded as lazy: When people notice that you haven’t completed particular tasks, you can be branded as a lazy person. Not only can this affect your job or personal life (promotions and the like), but it may mean the tasks you really want to do are offered to someone else who is considered more reliable!

Creates clutter: Many unfinished tasks can leave a lot of clutter around – books, papers or other items that are needed to perform the job.

Bad for morale: There is nothing worse than knowing you have a job you need to do, and knowing at the end of the day that the job wasn’t done. It can make you feel down, and even preoccupy your mind while you’re trying to concentrate on other things.

You have no leeway: When you put something off, jobs accumulate. This means if an urgent task suddenly comes in, you have no leeway to drop everything and work on it – there are too many other outstanding things that need doing.

It becomes more unpleasant: The job itself may not change by putting it off, but the feeling in our mind of how unpleasant we think the job will be grows. We think about how we have to explain not doing the job to other people, and the whole situation feeds on itself and becomes ugly.

Now to be fair, sometimes procrastinating isn’t a conscious action. Particular jobs just never seem to get done, even though you never consciously decided not to do them. But at other times you do make the decision not to do the job at the moment, and just put it off.

But you can save yourself a lot of mental clutter, and perhaps even more discomfort later on, if you just adopt a “do it now” attitude. Decide that you’re just going to get the job out of the way when it comes it, no matter how uncomfortable it may be. By doing the job straight away, often you will realise that the discomfort you associated with the task was simply your mind feeding on itself as you were putting it off. And the sense of relief you get from finishing the task is well worth it.

So, now you know about procrastination you have to ask yourself the question – “what am I going to do about it?” Hopefully you will decide to banish procrastination from your life, and reap the rewards of that decision!

Acne Program Step 7 Fruits You Should Eat

February 22nd, 2012

* Apples eat 3 4 apples a day while working to clearing your acne. Apples are good for skin health. Eat at least 2 a day. Eat organic apples because you can eat the skins and most pectin is in the skin, which helps with constipation. Apples contain ascorbic acid, bioflavonoids, fiber, pectin, quercetin, minerals, and vitamins

* Apricots eat as many as you like. Apricots are a high source of minerals, fiber, and beta-carotene and will help control acne. (A precursor to vitamin A) They help to relieve or prevent constipation.

* Bananas eat only one banana a day. Bananas have the phytochemcial fructoOligosaccharides, which feeds the good bacterial in your colon. By feeding the good bacteria, you prevent the bad bacteria from overtaking the colon and producing toxic acids that get to the skin and create acne.

* Blackberries help cleanse the blood and are good for constipation. They help a weak kidney and are good for creating good skin on your face.

* Blueberries are a good blood cleanser. They are also good for constipation and various skin disorders eczema, acne, psoraisis

* Cantaloupes are high in vitamin A, C, and have many other minerals. This makes them good for any type of skin problems

* Cherries are good blood cleansers and help the liver and kidney. They promote regular bowel movements.

* Figs are high in fiber and help to reduce constipation.

* Grapefruits helps to dissolve and eliminate poisons from drugs thus improving the liver function

* Grapes help cleanse the body, build blood, and build the body. It is good for constipation, skin, and liver disorders.

* Mango is good for kidney inflammation. It contains a lot of minerals, which helps to neutralize acid waste.

* Strawberries have been shown to have strong anti-acne activity. They are high in pectin content, which helps to keep your bowels moving.

* Pineapples contains many vitamins and minerals. It contains Papain, which helps to digest protein. They are useful in of excess mucus, digestive problems, intestinal worms, and constipation.

These fruits below are useful for acne since they have an antibiotic effect,

* Grapes

* Plums

* Figs

* Raspberries

* Blueberries

* Honey

* Apple juice

* Grape juice

Use as many of these fruits in your diet. If you do, you will start to see improvement in your skin and your acne will start to clear up.

Top 100 Advantages of Blogging – Why You Should Blog?

February 22nd, 2012

1. Use blogging as a tool to be kept updated and in the latest developments and products of your field.

2. Blogging helps in adding fresh relevant content to website which search engines like.

3. You can build up your business creditability with the help of blogging.

4. A blog is a great tool to help increase your customer base.

5. Get free and fresh content with the help of comments that are made in blogs. This can be like User-generated content or UGC.

6. Create and establish a brand and brand awareness with blogs.

7. Help build trust between you and your readers and customers through blogs.

8. Enhance your website effectively and cheaply with the help of a blog.

9. Blogs are an easy way to establish two way communication and social interaction.

10. There is a higher and better chance of getting viral over social media sites with the help of a blog.

11. People generally consider reading a blog much better because of their non promotional tone and informative nature.

12. Blogs give you an easy way of approving comments before posting as against to social media sites where you have very little or no control at all.

13. Create more targeted traffic to your websites through search engines using blogs.

14. Blogs help to save time as visitors find many answers to their questions there.

15. Rumors about a business can be clarified through a blog.

16. With a blog, you not only become famous, but also gain power which you had never experienced.

17. Blogs have a huge part in SEO. Blogs are loved by Google and other Search Engines.

18. With the help of a blog, the Google PR of your site is enhanced.

19. Blogs are a great means of increasing potential traffic to your site.

20. Develop free PR for your business with a blog.

21. Blogs are great for creating returning targeted traffic.

22. The interactive nature of blogs makes people choose blogs over websites for links.

23. Remember that blogs consist mainly of text; and in SEO, text is king.

24. The comments posted on your blogs can give you better business ideas and tricks for your business.

25. Use blogs to express your thoughts. You can also use the blog to exercise your freedom of speech.

26. You can share whatever knowledge you have using a blog.

27. You will be considered an expert in your field because of a blog.

28. Use the help of RSS and links in getting targeted traffic to your blog.

29. Maintain public relations and relations with the media through your blog.

30. When compared to normal website pages, spiders tend to crawl blog posts more frequently.

31. Blog is a great means of creating a buzz or voice of mouth advertising.

32. Use the blog as a foundation for the content of a book.

33. Develop your business with the help of your blog.

34. Remain connected with people 24/7 with a blog.

35. You get new visitors and potential clients with the help of blogs.

36. Blogs are helpful and beneficial to the community.

37. Blogs are used to share company news.

38. Blogs are used as a communication link between employers and employees.

39. Blogs indicate that you are an easily approachable entity.

40. Keep in touch with industry leaders through blogs.

41. Use blogs in educational marketing, where you show how your services and products can be used to solve customers’ problems.

42. Blogs maintain convenient internal communication to share information in a company.

43. Find out more about your customers and clients’ needs through blogs.

44. Use blogs to create an online community.

45. Blogs provide easy communication with clients.

46. Talent is easily found with the help of blogs.

47. Blogs are used for getting back links.

48. Use blogs for getting internal links.

49. Blogs are regularly indexed by Google.

50. Use blogs to get free links from blog directories.

51. Develop easy and efficient deep linking with blogs.

52. Share any ideas you have on a blog.

53. Use blogs to solve problems.

54. Blogs are used for marketing because of its low overheads.

55. The navigation on blogs is text based, and search engine friendly.

56. The non promotion tone of blogs makes them very easy to link. This makes blogs highly linkable.

57. Use blogs to generate quick feedbacks.

58. A blog is a really great promotional tool.

59. Use blogs to convey authority.

60. You can easily target variety of keywords using blog.

61. Search engines find blogs easy to crawl.

62. Use a blog to let people and clients to get to know you better.

63. The RSS feeds of blogs help in efficient link building.

64. Blogs indicate that you are open, and don’t hide from anyone.

65. Use a blog to increase membership and opt-in lists.

66. Blogs are great for educating and informing people about specific topics

67. You can learn time management and discipline through a blog.

68. Find new partners and experience better networking through blogs

69. Use a blog as a platform for announcing new products and services.

70. Use blogs to reply to queries.

71. Both cultural and geographical borders are overcome through blogging.

72. The long tail keywords in blogs help you get top rankings as blog are mostly hosted on very reliable domains. Blogging give you an excellent platform to target long tail keywords and get top ranking.

73. Generate a niche appeal using a blog.

74. Blogs bring about a more personal connection between yourself and your clients.

75. A blog helps you find jobs and clients quickly.

76. A blog can be easily integrated into a market plan.

77. Get to meet new visitors and buyers through guest blogging.

78. A blog offers increased lead generation opportunities.

79. Learn current trends through blogging.

80. A blog means low cost, better communication.

81. With a blog, you experience reduced emails, calls and inquiries.

82. You can also boost your social life with a blog.

83. Flexibility is an important feature of blogs.

84. The easy web publishing solutions make blogs much easier to set up and maintain than websites.

85. Blogs provide a punctual and important means of sharing information with an audience.

86. With the help of a blog, you can increase your writing, debating and analytical skills.

87. Use a blog to generate money with Adsense and Affiliate marketing.

88. A blog is a great and easy publishing tool.

89. With a blog, you can introduce a human voice or element in a company.

90. Blogs provide a great medium for opportunities and to use as a research tool.

91. You can increase the number of your loyal customers with blogs as it helps you get close with customers.

92. With a blog, you become different from your competition. This is because the medium tends to approach you if you have a blog and not the competitor who does not have a blog.

93. Blogs offer different and varies means of spreading ideas.

94. Blogs are considered a great means of relational marketing. This is because once you post honest and heart felt blogs, you instill trust and respect in prospective customers.

95. Manage your online reputation by using a blog to answer any negative remarks made about you by a competitor. In other words, blogs help you stop rumors from spreading.

96. With a blog, you can easily create more pages which is great for search engines that rank pages and not sites. With a blog, you need not bother about the fitting in of the new pages with design.

97. You can use a blog for recording all your past experiences and thus, start a sort of history about yourself.

98. Blogging is fun. Blogging is something everyone enjoys doing.

99. It has been proven that blogging offers some medical and psychological benefits like better memory and sleep and fast healing after a surgery.

100. After creating quality posts like this one, you develop a feeling of satisfaction.

For further information, please visit SEO Consultant Specialist’s Website

Abdul Hayi Mansoor
SEO Specialist and Article Marketer

Article Source:
http://EzineArticles.com/?expert=Hayi_Mansoor

Flex Fuel Vehicle And Ethanol

February 22nd, 2012

Flexible fuel vehicles are just like an average car in the sense that they use a single gas tank. But it can run on a mixture of gasoline and alcohol based fuel. Any car made after 1988 can run on a mixture of 10% ethanol and 90% gasoline. A flexible fuel vehicle can run on a mixture of up to 85% ethanol. Modifications are needed for this ratio as alcohol based fuels are corrosive.

Fuel tanks and engines must be modified in flexible fuel vehicles. In the US, there is a special indicator used that analyzes the ratio of the mix and adjusts itself accordingly to make sure that the fuel is burned clean. This is done by adjusting the timing and the fuel injection and happens automatically. Many flexible fuel vehicles are also required to use a special engine oil.

Why use ethanol?

Ethanol offers motorists an environmentally friendly alternative to using fossil based gasoline fuels, since ethanol is much more environmentally friendly and a renewable resource it seems to be an ideal alternative fuel for an environmentally friendly motorist. Studies show that using a mix of 10% ethanol reduces carbon monoxide levels by up to 17% , CO2 emissions by 4.2% and hydrogen emissions by up to 5%. By using a mixture of 85% ethanol greenhouse gas effects are reduced by up to 37%

What countries are using ethanol fuel?

There are three countries currently using ethanol in their vehicles – US, Brazil and Sweden.

* Brazil has been using ethanol mixtures in their fuel since the 1970′s and it is required by law that all fuel mixes be at a ratio of 29-25% ethanol.

* Sweden is the only country that has flexible fuel vehicles in Europe, although there are plans to introduce fuel mixes of up to 85% in other European countries.

* US has many cars designed to run on 85% ethanol fuel mixes. These flexible fuel cars make up 4 million of the cars in the US, although less than 1% of these vehicles are currently running on a mixture of 85% ethanol.

The future of ethanol based fuels

At the moment the future of ethanol fuel mixtures seems a little bleak. Until the fuel companies can make the mixtures of gasoline and ethanol fuel mixes more efficient and provide a superior mileage, people will still continue using gasoline and small mixes of ethanol such as a 10% ratio. Once this obstacle has been corrected, ethanol will be more widely used in flexible fuel vehicles.

There is potential for future growth in the ethanol industry. Last year an energy bill was created that is calling for refiners to begin using more renewable fuels. The national ethanol industry currently produces more than 4 billion gallons of ethanol fuel per year with more plants being built all the time. The ethanol industry is definitely set to sky-rocket in coming years.

Making All City

February 22nd, 2012

Toward the end of my junior year at Weequahic High School in Newark New Jersey, I started hearing from my friends that I was going to make All City. How did they know I asked myself? In my usual mood of high esteem I was thinking that there was no way I would make the all city team. Vailburgs catcher was better than me is what crossed my mind. I make the grade No way. I told you I had high self esteem.

The two best teams in the city at the time, Barringer and Vailsburg would receive the most recognition for their players. We were 3-15. And our record did not display how really bad we were. I think I was the only player that batted over .300. Well maybe Dashell Meeks hit over 300 as well.

In the last game of the season we were playing Central High School in Unterman Field. They were a poor to average team at best. But they had Richie Glenn. An above average pitcher with speed to burn and a curveball that was, well Ill get to that curveball in a minute. I went up to bat thinking home run. I was so determined to hit a home run I remember standing closer to the plate thinking I could reach an outside pitch. Most if not all of my hits that year were singles. While I had power I had not displayed much of it. I dug in deeper ready to smack one when Richie let loose with one that was very high and very tight. A curve ball without the curve in it.

So tight it stuck in my ear. I guess it did not curve like I thought. Down I went. Out like a light. While the ball did not stick in my ear it made quite an impression in my head. I think some thread from the ball is embedded in my ear and lobe to this day.
I was slowly escorted to Coach Ginsburgs office. When I finally awoke which seemed like hours, but was really minutes, Mr Ginsburg told me I had made the Star Ledger All City Baseball team. I was elated and soar. I was happy and groggy. I was proud and queasy at the same time.

At the time it seemed like the beaning I received made whoever voted for The All City team vote for me. They felt sorry for me and gave me a place on the team. I told you I had high self esteem.

Wow what a day. I wonder if Babe Ruth or Lou Gehrig ever went through something like this.

Honesty

February 22nd, 2012

Those who pride themselves on their honesty should also concern themselves with this principle: The effectiveness of honesty depends on a person’s willingness to face the truth, which may conflict with this person’s desires and provoke denial.

In such a case, how can one promote this willingness, despite this conflict? The answer to this question could prove useful to anyone who seeks to be effectively honest with people in denial. Ultimately, it could benefit these people, whose denial is contrary to their best interest. I go on the assumption that truth, or the conformity of thought to reality, is the sine qua non of vital efficacy. Health, pleasure, successful careers, and harmonious relationships require that we know the needs and capabilities of our nature, and the workings of the world. The absence of this knowledge leads to accidents, illness, suffering, failure, and death. Therefore, the first object of our desires should be truth, or the knowledge of ourselves and the world around us. Why then are people often unwilling to face it?

I believe there are two reasons for this unwillingness. Firstly, the desire to know the truth, which originates in the desire to live happily, spontaneously degenerates into the desire to be right, to avoid the insecurity and shame associated with error and ignorance, and also to avoid the effort to learn. Thus fear, pride, and laziness are obstacles to the pursuit of truth and happiness. People are unlikely to admit they are wrong when they are, unless they possess courage and humility. Whoever takes their good to heart should help them develop these virtues.

Secondly, the truth may be known from experience about a happy way of life. The desire to know the truth then turns into the desire to see the truth last. Mental inertia becomes the law, proportional to the force of attraction exerted on the mind by this happy way of life. Any upheaval that breaks the status quo is denied: “I cannot believe it; this cannot be happening.” Reality is deemed unreal because it no longer tallies with the desired truth. Denial can therefore be regarded as a deviant process that conforms facts to ideas, instead of the opposite. Reason is overthrown and emotions reign, as one strives to prove reality wrong to spare oneself the loss of a happy way of life and the pursuit of another, this loss and this pursuit being associated with grief, strain, and doubt, or even despair.

To help a person acknowledge an undesired truth about a radical change in reality, one has to couple honesty with wisdom to heighten this person’s awareness of the human capacity for adaptation. This capacity is best illustrated by the example of people who have suffered a terrible misfortune and progressively discovered a new outlook and a new happiness, more enlightened and satisfying than the old ones. In addition, one has to stimulate the will of this person, who is left with a formidable challenge: to start her or his life over. Lastly, this heightened awareness and this stimulated will may weaken at times, calling for reinforcement. All in all, against the unwillingness to face the truth, the effectiveness of honesty is always difficult and uncertain.

Detox To Lose Weight

February 22nd, 2012

Detoxification programs have been promoted as the remedy to todays unhealthy lifestyles for years. Proponents of detoxification note that a good detox can help increase energy, slow the aging process, aid the digestive system and help relieve the symptoms of diabetes and asthma. One of the greatest benefits of a good detoxification program is weight loss.

Our bodies are equipped with several systems to help it naturally detox. However, todays stressful lifestyles and unhealthy eating habits often overburden our natural systems. As our body struggles to keep up with the toxic matter flowing through our systems it often falls behind. Toxic waste begins to back up and the balance of our body is disrupted.

A good detox will help restore the bodys balance, eliminate the waste building up and make our systems run much more efficiently. During autopsies, coroners often find colons that are more than 75% clogged with waste matter. This causes the systems that clean our blood and intestinal tracts to back up. Nutrients cant be absorbed as efficiently and we gain weight, become tired and irritable. Health issues often follow.

Cleaning the colon and the liver often completely relieves these clogs and allows our bodies to return to optimum functioning. Nutrients are used efficiently and many find that the detox program has such great results that they simply dont crave sugar and fried foods after the detoxification. Many report feeling so good after detoxifying that they are motivated to eat more carefully.

With the toxins being flushed out of the body, many report a dramatic increase in energy level, encouraging many to exercise and further assist their detox in reducing weight.

Researchers have found that as the level of toxins in the body rises, more fat is manufactured to protect the body. Weight gain is a natural by-product of toxin buildup. Removing the toxins from the body allows the body to release the excess fat, resulting in a natural weight loss.

There are many detoxification programs on the market. Choose a gentle, well researched program that includes a parasite remover as well. Youll be pleasantly surprised at your increased energy and amount of weight loss!

The Search For The Right Fat Burner

February 22nd, 2012

If you are anything like me and most of the adult American population, then you can hardly make it a day without hearing something new about a good food, a food to avoid, a magic exercise or the perfect fat burner. It seems that the search for the best bodies for the least work possible is on with full speed.

As a personal fitness trainer I am more than a little bit concerned about this “get fit quick and painless” mentality I meet in so many American adults. I guess it makes sense in a way when we see how fast every other aspect of our society has become. So it partially makes sense that we want everything about our health to be fast too. It makes sense that we want to find the perfect fat burner without making any changes to our diet and fitness routines.

Let me assure you, however, that the right fat burner is not a piece of magic or a pill that can be popped. The right fat burner is a combination of four main elements. The first element to any true fat burner program is a good amount of sleep. Surprised? Well, let me tell you that most adults I meet are not getting anywhere near the right amount of sleep at night. Our sleep levels will drastically affect our ability to function and to have the most effective fat burner happening.

Another element to the perfect fat burner system is drinking enough water. This comes as a surprise to many people as well, but it truly is important. You see, the more water we drink, the better our skin is and the less we desire to fill up on food and drinks that are not good for us. So make sure that you are drinking several glasses of water each day and cutting out other high sugar beverages. This will make a key difference in a fat burner program.

The last two elements of my four ways to make the perfect fat burner concept are more obvious. You must work on your nutrition and your level of fitness if you really want to see longterm changes in your health. No pill is as good of a fat burner as eating well and taking time each day to exercise, so don’t be fooled. You need to focus on healthy, unprocessed foods and make twenty minutes each day for getting your heart rate up.

These four simple things are my way to fat burner success. Try them for a month and see what kind of difference you see and feel.

How to Build a Resume – The Biggest List of 37 FAQs About Award-Winning Resumes

February 22nd, 2012

1. What is A Resume?

A resume is a presentation of your qualifications for employer. It lets your employer know what type of job you are seeking and highlights your education, experience, skills and other relevant information. A resume (or CV – Curriculum Vitae) only may be the tips to potential employer for determination whether or not you will be interviewed.

2. Does a resume always need to be only one page?

Resume (CV) length should not exceed 2 sides of A4. How much of those two sides you fill depends on how much you have done.

3. Should the education section always be near the top?

If you have recently completed formal education your academic achievements will form a major part of your qualifications, and it is recommended to place these near the top of your resume.

4. Is an objective always necessary?

No, it is not crucial. But however an employer will be impressed if you have a focused idea of where you want your career to be heading.

5. What if I haven’t done very much to fill up my resume?

This does not matter. If build a resume is a problem – use sensible formatting and fonts so that you comfortably fill one side of A4.

6. Do hobbies and personal interests need to be shown?

It is not imperative but it can provide an employer with an insight into your personality.

7. Must references be included?

One note that ‘References available on request’ will be sufficient.

8. What should be on my resume?

Contact details, Date of birth and nationality, an introduction, employment history, academic qualifications, hobbies and interests are enough for resume building.

9. What shouldn’t I put on my resume?

Religion, references, sexuality, why you left your previous jobs, all your school grades, a photo, lies should not be included into resume.

10. Do I have to include all of my exam results?

No, just the most recent.

11. In what order do I list information?

Contact details at the top, a brief introduction, employment history, education, interests hobbies. Follow these simple instructions:

  • The heading is first.
  • The objective is second.
  • All other headings are listed as they relate to your job objective. Build a resume that highlight your objective and enhances you as a candidate for the job you are seeking.

12. What sort of paper should I print it on?

The best quality that you can get your hands on, but don’t get paper that is too thick ;-) .

13. In what text format should I save my resume so that it can be e-mailed?

Employer unequivocally can read your resume in *.txt attachment. However this format does not allow you to include attractive formatting. The MS Word document or PDF will probably be suitable. If you want to be certain you could paste a txt version of your resume into the body of the e-mail and attach a Word or PDF version.

14. How can I ensure that my resume will be read?

Resumes (CVs) usually aren’t read at first. They are scanned (look at the questions #21, #22). So, how to build a resume to be easily scanned:

  • Present information in concise, compact statements.
  • Leave irrelevant, unnecessary or inappropriate information off your resume.
  • Organise your information so that the reader doesn’t have to hunt for your skills.

15. Do I need more than one resume?

Construct a ‘core resume (CV)’ using the ‘How to build a killer resume’ guide then configure that to the recipient each time you send it out.

16. How far back should I go with the information I put on my resume?

Ten years is usually required. However, there are certain situations in which experience from more than ten years ago may be advantageous to show on your resume.

17. What are some common components of a resume?

They are:

  • Identification: Your name, address, and home and/or message phone number with area code, and e-mail address should be placed at the top of the resume.
  • Objective: Describe your career or professional objective. Be specific and include what you want to do for the employer – not what you want the employer to do for you.
  • Summary: Used by the candidate with experience; briefly state your achievements, the range of your experience and the environment(s) in which you have worked.
  • Employment: Describe your job history in reverse chronological order – most History recent first.
  • Education: Build your resume with list of educational experience, most recent first.
  • Skills: Include into your resume (Curriculum Vitae, CV) foreign language fluency, knowledge of computers including specific hardware, software, operating systems and anything else that may be relevant.
  • Community: Create a resume with information about any volunteer efforts, including name of organization, dates and a brief description of your activities and experiences.
  • References: List professional references on a separate page. You may want to state that references are “available upon request” (you can see question #7).

18. How long is the standard resume?

See question #2. The general tips of resume building are to use enough space to provide all info and to write only relevant information about yourself.

19. What resume style is preferred by employers?

There are three resume building styles: Chronological, Functional, and Combination. Chronological resumes present your work history and experience most recent first. Functional resumes focus on the skills and abilities that have been acquired and can be applied to new career opportunities. Combination resumes combine elements of both the chronological and functional formats.

20. Are All Resumes Alike?

I wrote above there are three basic types of resumes. The format you select should be the one you believe will best allow you to target your education, experience, and skills towards your career objectives.

21. What is a Scannable Resume?

A scannable resume is one that may be “read” by a computer equipped with Optical Character Recognition (OCR) hardware and software. They scans your resume and puts data into a database. The software then creates a summary of your resume and ranks it among other qualified candidates for the position. This process, sometimes called electronic applicant tracking, is gathering popularity among medium- to large-sized companies as an initial employment screening device.

22. Why are the Employers Using Scannable Resumes?

Scannable resumes have advantages for employers:

  • Employers can simply search through their database and identify names with the specific experience, skills, and qualifications.
  • Human Resource departments can be much smaller because this technology speeds up the entire hiring process.

23. What is an Online Resume?

An online resume is a plain text document (*.txt) which can be cut-and-pasted into online forms. It can be used by resume builder because ASCII files are recognized by PC’s, Macintoshes, UNIX Workstations, and mainframe terminals.

24. Why do I need an Online Resume?

You can build a resume in online version and to send it to companies who are soliciting resumes via e-mail. Frequently the companies who are calling for resumes want them in the form of a plain text document sent in the body of an e-mail message – NOT PDF, NOT MS WORD.

25. Can’t I just send my resume as an email attachment?

Sending any attachments through email can be tricky, and the last thing you want to do is make a potential employer work to read your resume. There are many types of computer systems, increasing the risk that the program that you create your resume in will not be compatible to the computer of the receiver, making it impossible for them to open up the attachment. The online resume solves that problem as you import it directly into the text body of the email message. Its simple, plain text look is easy for employers to read through email.

26. What is a Functional Resume?

The Functional Resume is a resume in which the resume builder organized information by skill sets. These resumes design focus on individuals whose education and experiences do not obviously match their career objective.

27. Who Should Use a Functional Resume?

Functional Resumes can be used for people who have a History or Psychology degree. In these cases it may be easier for the student to highlight their Communication, Computer Skills, Leadership, Research, Administration, and Management. A functional resume allows such people to feature their volunteer and other non-paid experiences. It also includes individuals who have multi-track job histories, or work history gaps.

28. What are the Benefits of Using a Functional Resume?

Functional Resumes are beneficial in these ways:

  • Utilizes volunteer, unpaid and non-work experiences.
  • Demonstrates precisely the skills that the employer wants.
  • Eliminates work history that does not support your current objective.
  • Directs the emloyer to what you want them to notice.

29. What is a reference?

A reference is someone who knows you well and can builds talk about your job related qualifications with a potential employer. Many employers will want a list of your references, including addresses and phone numbers.

30. How many references do I need?

You will need at least three to five references as a recent college graduate. It is also a good idea to tailor your references to the job for which you are applying.

31. Who do I ask to be my reference?

Someone who knows you well through a job, class or organization. Find someone who can make a positive statement about your skills, work habits, and other qualifications. There are three main kinds of references:

  • Professional References are the best help, it can provide the potential employer with specific work habits and abilities.
  • Academic References can also assist you in finding a job in your chosen field, for example a professor in your major can attest to your knowledge base and study habits.
  • Personal References are usually not recommended unless the potential employer specifically asks for them. Generally, personal references get the least amount of attention from employers.

32. What Is A Cover Letter?

A cover letter is an accompanying letter that serves as the introduction to your resume. No resume should be sent without one. The cover letter is created separately and individually for each position for which you express an interest.

33. What Is The Purpose Of The Cover Letter?

The purpose of the cover letter is to introduce yourself to an organization, demonstrate your interest in the company or a specific vacancy, draw attention to your resume and motivate the reader to interview you. A cover letter tells a potential employer that you are available, qualified, and interested in employment. Cover letters personalize your resume by briefly highlighting your strengths as they relate to the position sought.

34. How Should Cover Letters Be Organized?

The cover letter typically consists of three parts: Introduction, Body, and Closing. Within these three parts you must get the following three points across:

  • Why you are specifically interested in the organization?
  • Why they should be particularly interested in you?
  • When and how you will contact them to follow up on your letter and schedule an appointment.

35. Should cover letters be personalized to match each job opportunity?

Yes, certainly! The cover letter is your chance to personalize the resume to highlight your strengths as they relate to the needs of an employer. Often this means simply changing the address, salutation and opening paragraph to specify the employer. The manual of resume building recommends to personalize the cover letter in any manner that you can because such cover letters assist in grabbing the attention of an employer.

36. Should a cover letter always be included with a resume or application?

YES, Of course! Cover letters clarify what are you seeking and highlight your strengths to an employer’s needs.

37. Where Can I Learn More About Resume Writing?

Available steps are:

  • Look at the sample resume handouts, and the many resume-related resources in the Career Discovery Center.
  • Request Career Services to present a Resume Writing Workshop to your club or organization.
  • Schedule a Resume Review with a Career Associate.
  • Make an appointment to discuss your resume with a member of the Career Services staff.
  • Look for additional FAQ pages, including Action Verbs to Enhance Your Resume.

Oleg Savchenko is the author of the eBook “Expert Resume Writing” and the site “How to create a CV” [http://how-to-write-a-cv.net/]. He is expert in the resume building – all of his experience in the theory and practice of building a resume allow him to receive more favorable position in the more famous company each time at job changing. His last job position is management in the one of the largest worldwide advertising agencies. If you are worried about the resume writing, sign up for our email course “How to Build a Resume” [http://how-to-write-a-cv.net/course-10-resume-writing-trade-secrets.html] and receive 10 resume writing ‘Trade secrets’. It’s Absolutely Free!

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5 Reasons To Not Let Depression Control You Anymore!

February 22nd, 2012

Family It can be very vexing to loved ones when you are depressed. On one hand they want nothing but the best for you, but on the other they sometimes get frustrated and wonder why you cant simply snap out of it. It can be particularly hard on children of someone with depression as it may affect their outlook on life for many years to come. Having experienced this myself, I can say definitely this the number one reason to fight your depression.

Work – Work life generally suffers when in the throws of depression. It is more difficult to concentrate and not as easy to create and maintain good professional working relationships and partnerships. Furthermore, it makes being a Self-starter more unlikely. Rather than moving forward, maintaining the status-quo becomes more acceptable, even if only unconsciously.

Love The love life of a person with depression can suffer tremendously. Regardless of How much someone may profess their dedication to another person, if the other person can never see the bright? side, it can wear on them. Life is short, right?? Love conquers A WHOLE LOT, but it doesnt conquer everything. Sometimes we must add internal fortitude to love to truly be invincible. Besides isnt it better to fight, not just for you, but for this person that you love as well?

Health University studies have proven that people who are depressed are more likely to get sick, and more likely to die of an illness than those who are content. It is in your benefit, health wise, to fight your depression as well. A recent New York Times article, citing a University study, indicated that persons who have been diagnosed as depressed have more hospital visits, and a shorter lifespan.

Prosperity The depressed person sometimes lacks clarity of thought, and may miss golden opportunities to improve their lives if only they had been paying attention. This may be, perhaps, the most important point, since many people believe they would be happier if only this part of their life, or that part of their life, etc was different. Allowing good things to happen in your life might just give you the jump start needed to end the cycle of depression and self imposed-isolation( even if only figuratively ).

Fighting depression can help your life in many ways. In some ways, the fight in itself is also a reward. You become stronger, do better at work, have better relationships, and can focus on what is really important in life so that you can improve it, for yourself, your family, friends, and loved ones.

Thursday Rock

February 22nd, 2012

Thursday, a post-hardcore band, is from New Brunswick, New Jersey. The band formed in 1997. Their first full-length album was released in 1999 with a New Jersey based company called indie Eyeball Records. Thursday is known for their notable advancements of artistic nature; many of the bands songs are as a result of books, real world events, and art of various forms. Successfully emerging from the underground indie scene, Thursday at the turn of the century attracted Victory Records attentios.

The band gained significant commercial radio airtime when they released their second album which became a breakthrough. Their hit single “Understanding In A Car Crash”, landed the band a major label record deal with Island. Their hopes were in continuing to create music and an image that truely represented themselves. This hope resulted in a magnificent artistic piece in which the band perfected their sound. The entire collection of Thursday albums were produced by Sal Villanueva and mixed by Rumble Fish.

Thursday Band members are: Geoff Rickley (vocals), Tom Keeley (guitar), Steve Pedulla (guitar), Tim Payne (bass), Tucker Rule (drums) and last but not least Andrew Everding (keyboard).

The sound of Thursday is built upon both post-punk atmospherics and hardcore’s visceral instrumentation. Repeated high-pitch guitar riffs stacked on top of heavy bass lines echo Thursday’s British influences such as The Cure, The Smiths, and Joy Division as well as New York City’s Sonic Youth. There is the odd time signatures, tempo and key changes, and multi-sectional song structures also play a prominent role, akin to progressive rock bands such as Yes and Rush. Lyrically, Thursday is a masterpiece with lead vocalist Geoff Rickly. Geoff concentrates on the struggles of growing up in the world today using violent imagery along side shimmering, and often beautiful phrases.

Thursday’s Discography
* Waiting (December 6, 1999, Eyeball Records)
* Full Collapse (October 18, 2001, Victory Records)
* War All The Time (September 16, 2003, Island Records)

Thursday’s Singles
* 2001 – “Understanding In A Car Crash”
* 2002 – “Cross Out The Eyes”
* 2003 – “Signals Over The Air”
* 2003 – “For The Workforce, Drowning”
* 2004 – “War All The Time”

Avoid the Top Five Resume Mistakes

February 22nd, 2012

Over the years as a recruiter and resume coach, I’ve seen the consequences of poorly written resumes. Unfortunately, most people don’t seek professional career help until they experience the frustration of a long and fruitless job search. It’s surprising how many of their problems can be traced to the top five resume mistakes.

#1 No resume focus.

The most effective resumes leave no doubt as to the job seeker’s career objective. A one-size-fits-all resume gives the impression that the job seeker is uncertain of his career goal. An employer once told me that if a candidate is interested in two completely different positions, he must not be very good at either. If you have more than one career objective, you need more than one resume.

#2 Lack of marketing strategy.

Job seekers rarely see their search for what it is-a sales campaign. Think of your resume as marketing material designed to create a powerful first impression and win a multitude of job interviews. A resume coach can help you translate your career history into an effective marketing piece by selling toward the reader’s buying motives: solving problems, saving money, or increasing profits.

#3 No accomplishment statements.

95% of all resumes lack accomplishment statements. These statements allow employers to visualize your contribution to their company. A resume coach can help you move from a job description type resume to a resume with quantifiable statements that motivate employers to call you before their competition does. These statements can dollarize your worth and increase your bargaining power.

#4 Lack of resume keywords.

These days, resumes are screened by both humans and computers. A resume lacking in keywords runs the risk of being read by neither. An average screening of a resume is 15 seconds or less, so more attention is paid to resumes using the same words found in the job description. Candidate-tracking software retrieves resumes by keywords. A keyword-focused resume will put you front and center.

#5 Incorrect resume format.

Basically, there are three resume formats: chronological, functional and hybrid.

Chronological: The chronological is best known and easiest to write, a timeline style resume. This format works well if your objective is to remain in the same industry or occupation.

Functional: The functional resume places transferable skills and accomplishments at the beginning of your resume. However, a poorly crafted functional resume can be confusing, causing the reader to believe the candidate has something to hide.

Hybrid: The hybrid resume combines the best features of other resumes. It showcases skills and accomplishments while maintaining ease of reading. This is the best format for job seekers of all level, but it is also the most difficult to write, requiring thoughtful planning to identify the most critical transferable skills that will attract potential employer attention.

Once your resume is designed to avoid the top five resume mistakes, you will be well on your way to winning interviews and reaching your career objective. How much is you old resume costing you in lost opportunities?

Deborah Walker, Resume Coach, has spent years studying the art of fine resume crafting. Her career-long focus on all phases of the employment process provides a solid base of knowledge for resume advice and coaching. Learn more about resume coaching at http://www.AlphaAdvantage.com

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Easiest Car Insurance Free Quotes

February 22nd, 2012

Imagine this! You are walking down the market place checking out the variety of rates for a box of apples. You scout the market on foot, personally checking with all vendors who have apple carts on display. The entire process takes you roughly about an hour as the market is spread out over a large area. You pass by those that quote a high rate and mentally check those that offer the sum that’s nearest to what you can pay. At the end of the exercise you zoom in to the vendor who offers the best quote for the best quality as well. And then you pick your lot. Something similar happens when you shop around for the best free quote in car insurance.

Let us first understand what insurance is. Answer: Insurance is basically an agreement you make with an insurance company to secure yourself or your belongings in case of any eventuality. The insurance is payable in cash, the amount which is pre-decided between the insurance company and the insured. The insured pays a premium to the insurance company regularly towards this insurance cover.

Car insurance is insuring the car that you or your family/ employees would drive. All car insurance companies provide quotes for your cars on request and you can get free quotes by spending some time looking around yourself. Unlike going about the car insurance market on foot as described, there are easier ways to obtain some good free quotes.

Obtaining free quotes for your car insurance is something like this. All vehicles by law are required to have insurance. If your car is not insured you cannot drive it. Therefore you need to get a car insurance done at the earliest.

Now, how do you go about getting your quotes?

In today’s internet savvy generation, car insurance quotes can be obtained free over the net. You can also find loads of information about numerous car insurance companies that operate in your district and those car insurance companies, which offer the best and free quotes as well. This helps cut any costs that may be associated in obtaining car insurance quotes from several car insurance agencies.

Let’s assume you need a car insurance free quote today. What do you do? Simple, as a first step you log on to the net and run a search for car insurance free quote in your district. This will throw up several web links. You have to click on them to read and understand what the car insurance agencies offer, their free quote requirements, their policy and procedures and such information.

When you are scouting around for the relevant car insurance free quote information you will need some specific information regarding your car. To start with you need to provide your personal contact information which would include name, contact numbers, email address, car driving license number and since when you have it etc.

Then you will need to fill in details about your car like the any current car insurance policies you are holding and their term. This section will probe your car history (any accidents, tickets or violations), the car make and model (4 Wheel drive or sedan), your specific use of the car (to work/ cross-country), and details like if the car has airbags, security alarm system etc etc.

You will also need to clearly mention in your quote requirements what is the coverage amount you need like a full cover or liability only. Also required by the car insurance companies is the bodily limit injury amount you are seeking. Once you submit these details related to car insurance, your quote will be on its way.

All you need to do is await a number of free quotes from several car insurance companies. Once you have shopped around among the best car insurance companies in your district to get the best free quote, select one. You have to try to get the maximum car insurance benefits for your free quote. If you find that you are not happy with the rates in the free quotes that the first lot of car insurance companies have sent you, there are ways to get even better free quotes.

Free quotes depend on the information you put in on the car insurance websites. You can reduce the premium amounts mentioned in the free quotes drastically if you do any of the following and mention the same in your free quote request. You park your car inside a garage. This eliminates damage and theft. You set a ‘break in warning alarm system in your car. You alone drive your car instead of several persons. You don’t have a history of self-caused accidents or violations. You don’t need a car hire clause when your car is taken by the insurance agency for any repairs and many such important points.

So you see, you can get fantastic free quotes from reputed car insurance agencies for your car without moving out of your home.

Scott is a consultant at Car Insurance Free Quote [http://www.lespillets.com/Car_Insurance_Free_Quote.html], a directory listing site with all your car insurance information needs. If you have any other car insurance questions please visit [http://www.lespillets.com/Car_Insurance_Free_Quote.html]

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Fish Oil – Its Health Benefits & Risks

February 22nd, 2012

As the name implies, fish oil is oil that is removed from the tissues of oily fish and is often recommended as part of a healthy diet program. Many nutritionists recommend that individuals each fish at least once a week, but emphasis must be placed on the importance of avoiding fish that contain certain harmful contaminants. In avoiding predatory fish, such as sharks and others, individuals will prevent the consumption of unhealthy substances which can accumulate due to the fishs predatory lifestyle.

The benefits of fish oil are thought to be many, including a number of experts who believe that its consumption can help to regulate cholesterol. This problem affects many individuals and, if left untreated, can lead to more serious complications. The liver of fish, however, may contain dangerous levels of Vitamin A.

According to the American Heart Association, daily consumption of the proper amount of fish oil can be beneficial for patients suffering from coronary heart disease. In addition, the United States National Institute of Health recommends fish oil for the prevention of cardiovascular disease and high blood pressure. Once again, the institute reiterates the fact that high levels of omega-3 fatty acid intake may increase the risk of dangerous side effects, including a stroke.

In September 2005, Louisiana State University conducted a study that resulted in findings to support a theory that fish oil may prevent the brain from developing cognitive problems that are associated with Alzheimers Disease. This illness, which is common among the elderly, causes an individual to gradually lose his/her memory.

Apart from consuming fish on a daily basis, fish oil is available as dietary supplements and can may be purchased at many locations. In certain cases, fish oil may require a doctors prescription if the product is of pharmaceutical quality. It is important that individuals read the label and/or instructions carefully before using any medication and/or dietary supplement, including fish oil. It is also equally important that individuals inform their doctor of any current health problems and/or medications for which they are currently taking.

This article is to be used for informational purposes only and is not intended to be used as professional medical advice. The information contained herein should not be used in place of, or in conjunction with, a doctors recommendation . Prior to beginning any treatment regimen, including one that involves the use of fish oil, an individual who develops an illness of any type should consult a licensed physician for proper diagnosis and treatment.

Obtain A Free Merchant Account

February 22nd, 2012

You may have heard about the distinct advantages of offering credit-processing services to your clients, but do you know how to obtain a free merchant account? Many lenders request applicants to pay an online credit application fee that can run more than $100. Others waive this fee, but they then impose other types of costs, like an annual membership fee. Yet there are some lenders out there who offer a merchant account at no direct cost to business owners. While there will be expenses associated with processing transactions and performing service maintenance on credit processing equipment, some lenders will limit their merchant account costs to fees like these and provide the card account at basically no extra cost to the business owner.

To find out more about how to take advantage of this type of offer for a free merchant account, ask your business banker for details. If the bank cannot provide information, check with other business operators in your area to find out if they have merchant accounts and where they got them. Some may have a free account, so you will have to ask for details if they are willing to supply them. Otherwise, you can always use a search engine to browse the Internet for companies that provide a merchant account at no cost. Be wary about offers that seem too good to be true, as they probably arent true. Read the fine print in contracts, and ask about every type of fee you can think of. Some applicants have complained that hidden fees surfaced after their account was approved, forcing them to pay fees they did not anticipate. Leave nothing to chance.

Create a business plan that will put your free merchant account to good use. Dont get a merchant account simply to have one. The primary advantage is to offer credit-processing services to your customers via a number of options. These might cost an initial outlay of company funds, but the return on your investment will be valuable in terms of the shopping convenience that will make visiting your company or your site a pleasant experience for customers. Develop a reasonable budget that will show you how much you can afford to invest in credit equipment like a terminal processor, perhaps one with a printer combined. Or you may prefer to get a wireless processor if you deliver goods or services to customers at remote locations. You also can get a pager to enhance communications within your organization. Or you may want to upgrade your phone system to include a digital program that lets customers dial in to place and pay for orders without the need for direct employee assistance.

Obtaining a free merchant account will release funding that might have been earmarked otherwise for account fees, allowing you to direct it to more needy areas of your operation. If you are able to negotiate a low per-transaction fee (especially one that is less than 20 cents per transaction) or a low monthly overall rate, your savings will be enhanced, providing additional savings that can be used in other parts of the budget.

For these and other reasons, apply today for your free merchant account!

2007 Nissan Versa: Gen “Y”, Take Notice

February 21st, 2012

Automakers are clamoring to build and market cars to the Generation Y crowd which, loosely defined, and encompasses new drivers and mostly everyone who is under 30. Toyota threw the gauntlet down in 2003 when they introduced a line of cars under the Scion brand. Now, Nissan is responding and the Versa to be released during the summer of 2006 is their answer. Will the Versa compete successfully or be lost in a sea of Gen Y vehicles soon to flood the market? All of that is too early to determine, so lets take a look at the Versa and what the car has to offer to motorists.

A visit to Nissans website reveals much about the Versa. Unlike a certain Scion vehicle that takes its styling cues from a toaster, the Versa is aerodynamic and reminds me of the Toyota Matrix. Available as a four door sedan or five door hatchback, the Versa is expected to retail for around $12,000, the same price range as Scion vehicles. Like Scion, the Versa will be fairly well equipped to give motorists a value packed experience without having to add on several thousands more to the base sticker price in order to achieve a satisfactory and comfortable driving experience.

Along with a 1.8L I4 engine, here is what you can expect to be included with base models:

AM/FM/CD audio system
Air Conditioning
Power
side mirrors and automatic trunk release
6 speed manual transmission [4 speed automatic is optional]
Split folding 60/40 seat with the hatchback

Not a bad standard equipment list for the price. For $2,000 more, SL versions will come with aluminum alloy wheels, cruise control, power windows/doors/locks, remote keyless entry, a souped up sound system, and more.

The car will have a 102 inch wheel base which is long for a vehicle of its type. The result is more interior room, with four adults having ample knee and leg room to weather long trips.

Pictures of the interior reveal a car that is well though out and not cheap looking. I especially like the dashboard with its overlapping circular instrument panel and easy to reach audio and air conditioning controls. A generation ago, entry level cars would have looked and felt cheap. Todays drivers expect more and the Versa delivers in the form of a decent level of standard equipment and attention to style.

The Versa replaces the Sentra as the entry level Nissan. Nissan has restyled the Sentra and promoted it up a notch much like Honda has done with the Civic and Toyota with the Corolla.

Although more expensive than Chevys Aveo and Kias Rio, the car has more flair and style than either one. Still, one has to wonder how the Versa will compete against Toyotas soon to be released Yaris and the all new Honda Fit. Throw in new models expected from Dodge and Ford and add Chinese cars to the mix and the whole entry level market becomes saturated.

Ultimately, the Versa is a step in the right direction and a nice alternative to some of its boxy competitors. Gen Y drivers have another choice in the Versa and an alternative to Scion, Toyotas youth-oriented brand.

The Cumberland Falls State Resort Park in Corbin, Kentucky – A Great Vacation and Travel Destination

February 21st, 2012

Close your eyes and imagine a waterfall pouring over the edge and falling with crashes and splashes into a gorge littered with large boulders. Then, feel the mist from the falls blowing through the breeze and kissing your face. What you are imagining is known as the “Niagara of the South”, this 125 foot wide waterfall appears to be a curtain of water falling to the gorge below. No matter when you see this waterfall it is amazing and it gives off a different appearance at night and during the day.

How I Bought Exactly the Car I Wanted Using Just the Phone and the Internet

February 21st, 2012

In 2002, the lease was up on my current car, so I decided it was time to get a new one. Like most people, I generally don’t like going to a car dealership to buy a car. At the beginning of my career, I worked for 6 months as a car sales person so I knew exactly what would happen if I went to the car dealership:

The sales person would “assess my needs.” Then get me to settle for a car that they had in stock on the lot. Then I’d have to go for a test drive. Then negotiate on a price. Fill out a credit application. Sign the paperwork in the Finance and Insurance office. All the while they attempted to sell me additional add-ons to the car–paint protection, under coating, and extended warranty.

If I was lucky, the entire process would take about 5-6 hours. Plus be physically exhausting.

That’s if I was lucky. If I was unlucky, I’d have to shop from dealership to dealership and negotiate several times before I finally found the price and the car I wanted. The entire process could easily take several hours a day for a week or more.

At the time, I was working as a consultant at a very high hourly wage. And at the time, the company needed me to even work extra hours in order to complete an important project. So, for me to take any time off just to buy a car was not only a waste of time, but would probably cost me hundreds, maybe thousands of dollars in lost income.

So, I decided to take control of the situation. I decided that I would find exactly the car I wanted on the internet, and do everything else over the phone. I decided I wasn’t going to even step on the dealership lot until it was time to sign the final papers and pick up the car. After the experience, I’m convinced that you don’t have to earn a lot of money to do what I did, you just need a plan and be prepared to follow it through exactly.

Here’s what I did:

1) I decided on exactly the car that I wanted. This strategy is not going to work if you are at the stage where you are just browsing for a car. In my case, the way I decided was to rent the type of car I wanted for a week. What happened was that the dealership where I had my car serviced rented me a Jeep Liberty. I had the car for a solid week so I had a chance to get to know the car’s basics. How it drove, what the visibility was like, what the gas mileage was like, etc. Even though it was a base model, I absolutely loved it.

The best way to find out about a car that you are interested in is to rent it for several days. You are not going to learn much about a car in a 10 minute test drive. If you can’t find the exact car, at least drive a similar car by the same manufacturer. There are usually a lot of similarities. Also, make certain you research the car in Consumer Reports.

2) Once I knew the make and model of the car, I researched it online using the manufacturer’s website. There I was able to see all of the available exterior and interior colors, determine the difference between the different model types (e.g., Sport vs. Limited, etc), and the options. In my case, I wanted the car “fully loaded.”

3) Using the online tools of the manufacturer’s website, I designed the car exactly the way I wanted it and got the basic information on the manufacturer’s suggested retail price–the sticker of the car. That told me what the high end of the price was going to be (but of course, I had no intention of paying full sticker price).

4) I contacted my insurance company to find out what the exact insurance price would be on the car. This is important because your insurance will probably go up or down when you buy a new car. You want to know this information upfront before making a final decision so that there are no surprises.

5) I arranged for the financing I would need for my car. In my case it was easy. My insurance company (USAA) also providing car financing at extremely low interest rates. They took all the necessary information over the phone–no credit application to fill out.

You may have to shop around for your financing and fill out a credit application, but believe me, it’s quicker (and usually cheaper) to make those arrangements before you go to the dealership. What the lender will probably do is tell you that they will loan you up to 75% of the car’s value up to a certain value. It will all be based on your credit application and credit rating.

By getting the financing in advance, you know exactly how much you will be able to afford, and the interest rate and monthly payments are even before you speak to the dealer. This gives you a lot more leverage in negotiating the best deal and gives you time to think without a sales person pressuring you for a decision so he or she can move on to the next sale. Plus you don’t have to wait around at the dealership for them to approve your loan.

6) I went back online to locate the dealerships in my area. In the case of Jeep, they not only listed the dealership, they also listed their inventory. I not only new exactly what car I wanted, I new exactly which dealerships had the car and how many cars of this type were in the area.

7) After this preparation, it was time to call the dealership. In my case, I called the original dealership who had rented me the Liberty. I was impressed with their service department, so I decided to give them the first shot. I knew from my research that they didn’t have the car, but I also new by experience that they could arrange for a trade with another dealer.

I spoke to the sales person and directly explained my situation: my lease was up on my current car. I wanted to turn it in and buy a new car. I explained that this was going to be the easiest sale he ever made. I already knew exactly the car I wanted. I had already driven the car, so I didn’t need a test drive. I already had my financing. I knew what a fair price for the car was.

I told him that we either do the deal over the phone, or I will have to go some place else. He referred me to the sales/desk manager who had to approve the deals. I put him in touch with the lender so they new I was serious. Since they had to trade with another dealership for the car, I had to put down a small deposit using my ATM card.

8) They arranged for the dealer trade, got exactly the make, model, and color I wanted. They contacted the lender directly to give them the VIN number and the price.

9) The lender Fedex’d me the check made out to the dealership for the amount agreed upon.

10) I went to the dealership during a week day when sales traffic was slow. I wanted to show respect for the sales staff’s time by not going when it was busy. And I wanted to get in and out in record time. I dropped off my leased car, signed the papers, gave them the check from the lender, wrote a separate check for the down payment, and drove off in my new car. I spent about 20 minutes in total at the dealership. And most of that time was the sales person showing me the car–and forcing me to take a 10 minute test drive.

By being prepared, by demonstrating to the dealership that I knew what I was doing, by making the deal easy for them, by respecting their time, I not only was able to get exactly the car I wanted, I got a great price. And, most important to me, it took very little of my personal time.

You don’t have to be an hourly paid consultant or a former car salesperson to get a similar result. It’s all in the preparation and especially in the attitude. I approached the situation with complete confidence that this deal was going to happen. That confidence was based upon solid preparation in advance.

It was also based on complete integrity. Because I was prepared, I made certain that the sales manager knew that I would do exactly what I said I would do–if they met my terms. I convinced them that they could trust me not to shop around at other dealerships if they met my terms. I made sure that it really was the easiest sale they ever made. I reduced the salesperson’s role to that of an order taker.

This strategy will not work if you try to pit one dealership in competition with another after they give you a price. That’s not fair to them. If they offer you a fair price you can live with and the convenience of doing the deal over the phone, you have an obligation to follow through on your part of the agreement.

So, it’s critical that you have all of the other approvals you need before you make the first call to the dealership. Otherwise, they will identify you as a “shopper” or a “be back” and only negotiate with you at the dealership.

I should also add that through out this process, I used my Power Affirmations (see information in the bio below) to stay completely on target and to get exactly what I wanted in a manner that was also more than fair to the dealership. This may sound corny to some, but it’s the absolute truth.

By the way, it’s three years later and I still love my car. It pays to know exactly what you want, to have a plan to get it, and have the confidence to take action and not settle for anything less.

Copyright (c) 2005 Bill Marshall – All rights reserved. Feel free to republish this article provided you include the copyright information and the weblinks where possible.

For practical self-improvement tips, visit http://www.poweraffirmations.com. Get my new free e-book, “Power Affirmations: Power Positive Conditioning for Your Subconscious Mind”

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