Avoid Spending Too Much On Your Next Car Or Truck

Car dealership ads are everywhere. They're on the radio, TV, print, billboards, and just about anywhere else you can think of. These ads are designed to entice you onto their lot to buy a new or used car. Some of the deals sound great, but are they too good to be true? Maybe or maybe not, it depends on the dealer. Dealers bank on impulse buyers, but with some education and a little planning you can turn the tables on them.

Your best option is a cash purchase, but in the event that is not an option, you will have to obtain financing. The key item your financing will be based on is your credit score. You should always check this prior to any big purchase where financing is involved.

Lenders have been hit hard by this economy and have been tightening credit offers to everyone. If your credit score is below 700 you will likely have a hard time getting a low interest rate. Dealerships advertise low rates knowing that only a small portion of the population can actually qualified for them. But most people always think their credit is better than what it actually is and dealers bank on this to get people on the lot to look at cars.

When a would be customer arrives at the dealership the salesman negotiates based on the special offers available. Take 0% financing for instance, in order to qualify for this rate the dealer retains all rebates and incentives from the manufacturer. So if a car cost $25,000 with 0% financing you might could actually buy the car for $17-18,000 but the salesman can't tell you that and still offer the rate discount. The problem arises when buyers are told they don't qualify for the rate and think they have to purchase at that price and don't haggle on price any further.

Employee Discount Programs are also popular incentive programs which have gone by many different names over the years. This is generally where a dealer slashes the price of the car or truck by offering you all the discounts and incentives. The catch is you have to pay the full interest rate in financing which in most cases are high even for shoppers with over 700 credit scores.

In addition, the finance department at your dealership will typically charge you a $295 doc fee and try to sell you additional items like credit life insurance, warranty programs, etc that they earn commissions on.

Final Remarks

Prepare yourself before ever talking with the dealership. Shop car prices online and then talk to your bank or credit union about payment terms and interest rates. Use an auto loan payment calculator to find a payment that fits your budget and not their bottom line. Take your pre-approval letter to the dealer and negotiate a cash price with them.

Loan calculator Tools is a website that provides a free loan payment calculator to help with planning your next home or auto loan. Use our free car loan calculator to calculate your auto loan payments. Article Source: http://EzineArticles.com/?expert=Hubert_Miles

Using YouTube for Wholesale Business Marketing

When individuals think about YouTube, the first purpose that comes to their mind is "entertainment". Hardly very few can think about its professional use in promoting your business and that includes a wholesale business.

YouTube can be used quite effectively for the marketing purpose of wholesale business. It is because videos can represent your products and services better than the images and content. YouTube is a new source of advertising your wholesale products in the most appealing way when customers can see the product live and then make buying decision. There are several reasons that makes YouTube the most effective and popular advertising medium nowadays.

In the beginning of online advertising, only words were used in different ways to market wholesale products. Then later on, images were used to represent products. A good image is better than thousand words as it creates a long lasting impact in customers' minds. Moving pictures (videos) are far better than still images when embellished with good words. These images create a better impact.

YouTube application is available on most of the cell phones nowadays that is why your clients can view the videos anytime anywhere. That is why your customers are free from the use of desktops and computers to see your wholesale products.

When you upload a video on YouTube you can count how many times it is viewed. You can perceive your customers' interest in a particular product.

A video can educate your customers quite well about your products and services in a detailed manner. It helps you in understanding the product line and what kind of changes you can bring in different products. You can hold a conversation with your manufacturer and talk about changes you want to bring in your existing product line.

YouTube is much helpful for wholesale electronics business. Whenever a wholesaler will introduce a new product, he can give a demonstration on video so the customers will understand the usage in a better way. It will create a direct and long lasting relation of your customers with your business.

In TV commercials it is mostly necessary to shoot video with celebrities but on YouTube there is no such restriction. You can shoot the video using common people and upload it for your customers. It keeps your marketing budget quite low.

The video marketing on YouTube is best source to create authenticity of your wholesale business. It is great to advertise and create good words of mouth at such low budget.

The conclusion can be just that YouTube is proved to be an effective way to reach your target market using the best technology available right now.

William King is the director of Wholesale Products. He has 18 years of experience in the marketing and trading industries and has been helping retailers and startups with their product sourcing, promotion, marketing and supply chain requirements. Article Source: http://EzineArticles.com/?expert=William_King

Ecommerce Web Design

Electronic commerce, or ecommerce, as it is more commonly known, is simply the buying and selling of goods over electronic systems, generally the internet. Various factors - including fears over security - meant that customers mistrusted this technology for some years, instead preferring to purchase their goods in person, or sometimes by mail order. But a few years ago the idea reached critical mass, and now online shopping comprises a significant proportion of all sales - particularly in certain areas. For this reason, it's enormously important for a business website to incorporate some element of ecommerce web design. London, as the capital of the UK, is a hugely popular destination for tourists and shoppers. Ecommerce has the potential to increase this popularity substantially, since it opens the capital's attractions to a wave of people who were previously prevented from shopping there only by their physical distance.

The internet has changed the shopping landscape for ever. For better or worse, certain shops are just no longer viable without online presence (and perhaps need only online presence, since customers have no need to shop physically, and the overheads for shops in busy locations are high). Book shopping is one such example, with giants such as Amazon threatening smaller retailers. Although much lamented, this trend is still a fact, and businesses must adapt or go under. If your business hasn't already got this online capability, then you should strongly consider some form of ecommerce web design. London, with high footfall and profile but also high overheads, is both uniquely privileged and uniquely vulnerable to the implications of online commerce; either way, you cannot afford to miss this string from your bow.

This is one area where you simply cannot afford to go it alone unless you know exactly what you are doing. Whilst the worst that you can do with a self-designed website is produce something second rate, with ecommerce the risks of getting it wrong spiral dramatically. If you're not familiar with security protocols and scripting requirements, you could find thousands of pounds of stock disappearing from your shelves, as dishonest or mistaken customers manage to order your products without paying for them. The best option is to find an experienced web design agency and ask to see a portfolio of sites they have already put together. That way, you'll be able to integrate your ecommerce needs with up-to-date graphic design - there's no point making sure your site holds its own in one area if another is letting you down badly.

A little shopping around should tell you all you need to know. When it comes to ecommerce web design, London has lots of individuals and agencies who are highly experienced in creating sites that are both graphically strong and secure against malicious or mistaken shoppers. Aside from the security aspect, you'll need to ensure that shopping online is as painless an experience as possible for the consumer. There are numerous ways of going about this, but again, a good designer will be able to put together what you need. Everyone has had experiences trying to buy something from a site and getting frustrated or even giving up because the checkout demanded unnecessary details or processes, or simply wasn't as intuitive to navigate as it might be. Those little details are the ones that are going to keep customers coming back again and again - so don't overlook them.

James Marshall wrote the Article 'Ecommerce web design London at its most accessible' and recommends you visit the Dhub website for more information. Article Source: http://EzineArticles.com/?expert=James_P_Marshall

The guys over at Beertees.com recently sent me one of their tees to review. With absolutely zero exaggeration, this shirt found its way into my lineup of favorite t-shirts on the first day. It isn’t that the shirt is hilarious or witty or stylish. The shirt is cool but it’s simply a vintage beer label. But the shirt is incredibly soft, comfortable, and form fitting.

In some of my past reviews I’ve talked about the vast difference between Gildan and American Apparel tees. I think the same can be said of the difference between American Apparel and Next Level Apparel tees. This is the first t-shirt I’ve had printed with this product and I absolutely love it. It is incredibly comfortable to wear.

Now back to the tee itself. The Miller tee is done with high quality printing which you can see in the detail of the second image below. Beertees.com designed and printed the shirt in a way to give the appearance of a distressed and faded tee that you’ve been wearing for years which is great because everyone loves the broken-in look. It’s available for $19.95 and in sizes Medium, Large, and Xtra Large. With this style of tee I think you’d need to be a midget or a girl to need anything smaller than a medium. It’s only available in one color but that doesn’t bother me since the color chosen works well with the vintage style and is quite neutral.

Beertees.com has a nice range of products from tees, to hoodies and hats, to shorts and underwear. They also have some pretty sweet hat and hoodies available on sale for good prices. Check ‘em out here.

I was extremely impressed with the quality of their website. The design is great with a really cool “beer” theme right down to the “Your keg is tapped” shopping cart, but it is also extremely user friendly and easily navigable. It has some nice features like being able to view all shirts by a specific size instead of searching for a shirt and then checking if your size is available. Here’s an example of a search for Large t-shirts.

Nice work guys…Thanks for the great t-shirt and for introducing me to your company!

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