Buying A Used Car On A Budget

When you intend to buy a used car, you will want to ensure that it meets the value of what is displayed or asked of by the dealer or the owner. It is good for you to know that you may end up paying slightly over the value of a car the first time that you buy a used car. For you to do it easily, you will have to familiarize yourself with information and facts that will put you in a good position to buy a used car.

After learning the buying tips that you will need in buying a used car, you will be able to negotiate with the dealer and get a better deal done. Since you want to purchase a car on a budget, you have to ensure that you do what it takes so that you avoid finding yourself in credits. Just pick the car that you had planned and saved for so that you can budget for something else after buying your car. What are the tips to follow when buying a used car on a budget?

Buying a used car

Set your budget

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This is the first thing for you to do when you want to buy everything including a car. Ask yourself, a how much car can I afford? And start from there. You have to prepare yourself adequately for the amount you can be able to afford and raise and spend it on buying a second-hand car. In your budget ensure that you include insurance, registration and approximate the regular maintenance costs before you estimate all the money you will need.s

Inclusive research

It is good for you to do a complete research and ensure that you have looked thoroughly through the market prices and all the models available in your budget before you buy a used car. The internet is the best source for you to find the idea of the current market price. Most automotive sellers sell used cars through the internet, and so you can buy a car online without having to go through a lot of trouble.

Vehicle checks

After you have done a thorough market research, you should ensure that you select the most suited automotive and check if the car is serviced properly and is in good mechanical condition. You should go ahead and inspect the automotive yourself and check previous car inspection reports. It is good to check whether the car has a road merit certificate that is not more than thirty days old. Ensure that you buy your car from licensed dealers because they are recognized by the law, and it is, therefore, hard for them to corn you. They will also give you used cars valid registration papers and accurate information.

Haggle for your used car

sadpvasdnvlkasndlvknaslkdvlasndvlknasldkvnasdvsThe dealers always allow for bargaining. This is an appropriate and affordable process that will enable you to get a car at a better price. After you have checked the vehicle, you can ask for the dealer’s price and give an offer at a lower price than you can negotiate and come up with a price comfortable for both of you.…

Gold American Eagle vs. The Stock Market

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The art of investment has never stood still. It evolves even when dealing in commodities as old and precious as gold. The same is true when you invest in precious coins such as the Gold American Eagle. Today, people are undecided whether to invest in the bullion market or the stock market. The indecisiveness is a product of the many investment options that are opening up in the 21st century. Investing in a small software and applications firm can earn better returns than a giant manufacturing firm with a healthy balance sheet.

Missing the mark

kjjkd84Many miss the mark when they fail to see the discerning line between the stock market and the bullion market. The Gold American Eagles may not appear as good an investment option as a tech giant that’s rolling out a share split offer besides other firms that are making a debut on the stock exchange platform. The promise of a quick buck and the push to follow the crowd may make you cast doubt on the bullion market and gaze toward the stocks.

Before you leap, remember that stocks are equities. They give you a piece of a company. The Gold American Eagles are, on their part, commodities which you hold on to as your own in entirety. You do with them as you please. Many choose to keep them as the real store of value since the fiat currency or the paper money isn’t stable in gales inflation and other market volatilities that also affect the stock market.

The vintage dash – adventurous investing

The act of investment should be adrenaline drive from time to time to give it a sense of adventure. The adventurous aspect is rarely witnessed in the stock market since there isn’t such a thing as a “vintage share”. Vintage Gold American Eagles are highly sorted after master collectibles. Joining the dash can be interesting especially when you hold to the philosophy that gold prices always rise even after taking a plunge while share prices may a times go under, never to float again.

High dividends and Irreplaceable

Gold reserves are drying up as extracting it gets complicated and expensive. As a result, the existing gold in the market is getting higher in value even whenever their prices appear to be in free fall. Note that man is yet to find another metal that can replace gold. Its increasing number of industrial applications and processes that depend on gold are also pushing the demand higher. Gold prices can subsequently move in only one direction – up.

Dependable dealers

hgfhdd64You don’t need to be a bullion market expert to know how the market will perform in the next couple of years. The precious metals market is rarely affected by normal market forces. With these in mind, it’s still advisable to seek the services of a bullion market analyst especially if you’re scheming for a windfall from an investment in the Gold American Eagle.

Ensure that the gold coin dealer that you choose to engage in the process has the right accreditations. They should give you a preview of their experience by showing you the genius behind their bullion portfolio management strategies.

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Why You Need a Truck Finance Broker

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Are you looking for information about commercial truck financing?Are you involved in the transport business and would like to buy a truck? If your answers to the above questions are yes, then this article is designed specifically for you. Obtaining truck finance needs an expert presentation, particularly for new businesses.You must be able to convince the lenders that you really need that finance, failure to which no approval will be given. That is why you need a Truck finance broker to take you through the loan application process. There are various truck financing options in the market today that will help you buy your preferred truck

Basic Requirements for you to obtain finance

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There are many factors that lenders will consider before giving you the finance you require to buy a truck. If you have just started a transportation business, then collateral or upfront deposit is usually required. The collateral, in this case, can be an asset; like houses or cars owned by the applicant.

 

Credit history

It is important to evaluate your credit history before approaching any lender to give you truck finance. If you have a positive credit history, then you can move on with the finance application process. But if your history is negative, you need to clear with your creditors first.

Advantages of using Truck finance brokers

Purchasing a truck is not an easy affair.It requires you to look for a good broker to take you through the process.There are several benefits that you can obtain by engaging truck finance brokers as discussed below;

Access variety of loans

Truck financial brokers will always provide you with a variety of loans options for you to choose. This helps you to avoid the risk of making wrong choices because of the limited options available. This can be one of the worst scenarios, especially with major investments like buying a truck.

Expert’s Advice

You need to realize those truck financial brokers are more experienced in regard to loans. They have networks that can help your business to grow or expand. They ensure that you obtain the finance you need and at the right time.

Great Experience

srjynjThe truck finance brokers have been in the loan industry for long, and this makes them more experienced in handling your truck financial need. You will be able to utilize their knowledge to your competitive advantage.

If you want a loan to buy a truck, then hiring a truck financial broker will help you obtain financing faster.…

What To Do When You Need Bridging Loans Urgently

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Bridging loans can save you from impending financial difficulty. Maybe, things did not go as planned and therefore, you need some additional financing so as to complete the projects for which you borrowed the initial loans. In such a situation, the first thing should be to convince the lenders that you deserve another loan. Of course, they will look at many factors before granting it, but you can make them feel that they should give it to you.

According to various studies, a majority of people who take loans for big projects such as mortgages end up needing more money before they are done with the projects. Need bridging loan urgently? Here is what you need to do:

Consider the processing speed

hgdhgdd64How fast is the company likely to process your request? When the money is needed urgently, you want the company to process it as fast as possible. You will find out that in as much as there are those that can process it instantly, others may take several days before approving the application. In the same way, there are lenders that still use traditional loan processing methods. These include submitting an application and having it checked manually by the staffs. However, there also are those that have moved on with technology and therefore, they will allow you to borrow money online. You do not have to fill any hard copy forms, and you will not even have to visit their offices to have the money in your bank account.

Think about the new interest rates

There is the initial interest rate that you had agreed upon when you took the initial loan. Therefore, you need to find out if there will be an adjustment when you take a bridging one. The reason this is an important factor to consider when you need bridging loan urgently is that it determines how much you will pay back. If you carry out a small survey on the main lenders, you will notice that the adjustments vary depending on who you borrow from. There are those that will keep constant while others will adjust it upwards because of the increased risk.

Plan early for the repayment process

hgdhdd64Taking a bridging loan means that your debt has increased and therefore, you should make changes to your repayment schedule. This new schedule is likely to take longer; ad will cost you more. You have to be prepared for the repayment because it affects your credit score. You do not want to be blacklisted by the main lenders because that means that it will be extremely difficult for you to get a loan I future. Even if you find a lender that does not care about your bad credit, you will be met with huge interest rates that drain your finances.

It also is important to consider the suitability of the lender when you need bridging loan urgently. Make sure that they have the right loan for you, and that they can help you to fill the deficit in your budget.

 

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Different Loan Options For Lands

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Purchasing of land is not an easy thing. And if you are thinking of purchasing one then you will need any financial help that you will need. If you don’t have the whole amount, then it will be wise that you take the land loan to assist you in getting the land without so many issues. Though you will not fully benefit from the loan if you have no idea of the best one to take. There are different loans available and sometimes it might get confusing on the best one that you should take that will fit all the needs that you have. Visit the website http://www.landloancenter.com for the various loan options for lands. Below is a list of different loan option for land.

Raw land loan

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If you are thinking of getting the raw land loan, then be ready to pay a higher down payment, and the interest rate will be higher too. Ensure that the lender that you will go to will not require the 50% down payment that so many lenders require but they will be okay with the 20%. Ensure that you will be okay with the interest rates before you go ahead and get this loan. Because the interest rate will affect so much the loan payment process.

Seller financing loan

If you are thinking of buying the land from the land sellers, then it’s possible. Because they will be able to give you the land on a down payment that you will agree on, and still they will hold the land as a lien. It will be like the land you will be able to get the land on loan, and at the same time, the land will not be all yours until you pay the rest of the amount. The seller financing loan will be short term, and it will not be more than three years. But this is enough time to have completed the loan, and the land will be in your possession.

Home equity loan

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If you have other homes, then it will be possible to get a loan through those houses. You will be able to get a loan by using those houses by giving them as equity. It’s the best because you will have something to back the loan if something was to go wrong. Just ensure that before getting the loan that you will be able to pay it so that you don’t lose your house in the process of it all. Because if you are not able to pay the loan, then the lenders will take over the house that you had given as equity.

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Facts About Cryptocurrency

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Cryptocurrency, what is it? I bet many of us may know the term but not much after that. Well, you are not alone in that. This post will demystify the subject by providing you with facts about Cryptocurrency. With better information one is able to make an informed decision to invest and look for a cryptocurrency broker uk who can help them. Below is more information on cryptocurrency.

Cryptocurrency

What is Cryptocurrency

skjsjssjjsjsjThis is digital currency using encryption for money generation and verification of transactions. Cryptocurrency transactions are recorded in a public ledger called Transaction Block Chain. The new creation of this digital currency is called mining.

Facts you should know about Cryptocurrency

The conventional currency has its ups and downs. That is why the creation of a digital form was invented in the first place. Many people are buying into the idea of Cryptocurrencies, and you may too join the bandwagon; but not until you know a few facts about the relatively new industry.

Bit Gold is the first type of Cryptocurrency

To many people, Bitcoin is the first kind of digital currency to hit the virtual market. That is probably because Bitcoin has been the most successful. However, before it, there was Gold coin. This was the first decentralized form of digital currency ever to hit the market. It was developed and worked on by Nick Szabo for the period running from 1998 to 2005.

There is a bunch of Cryptocurrencies

At the beginning of 2015, there were 500 types of Cryptocurrencies all active in online markets. The major ones include Bitcoin, Litecoin, Peercoin, Primecoin, Ripplecoin, Ethereum, and Namecoin among others. In this list, only 10 of these currencies had a capital actualization of $10 million in the same year.

As of 2017, the total market capital stake of all Cryptocurrencies stands at $60 million. In essence, the Cryptocurrency is not just a fad but a real market force. Despite the challenges that it faces, it is here for the long haul.

You can use these currencies to buy a lot of stuff

Apart from a few exceptions, Cryptocurrencies are acceptable in many parts around the world. Many online stores such as Amazon, PayPal, eBay, Sears, Apples, and scores of others accept Bitcoin for transactions. On that list is Dell, who recently announced that they would be accepting Bitcoin from customers. They are now the biggest company to make a move and open the way for others to join the league.

Whoever made Bitcoin is not known

Satoshi Nikamoto is the name that pops up when you try to look into Bitcoin, the most popular and successful Cryptocurrency. However, no one has ever done the follow up to know whether or not Nikamoto is a real person. It is still a mystery on the creator, and it has become an internet folk legend.

They are not regulated by government

cdjdjdjdjdjjjCryptocurrencies are for the anarcho-capitalists and libertarians. The players have successfully kept government out of their game. However, early indications show that keeping out government is not that successful at all. Governments and law enforcers are finding a way into this trade, and once they do, it may come down tumbling. But who knows?…

What You Should Know About Debt Management

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A debt management program is an excellent way to get rid of all your debt troubles. A debt management plan is an agreement between a creditor and a debtor that contains the terms of debt. The purpose of the agreement is to reduce debts and to help the debtor to gain financial control over a short period. It also helps creditors receive the full amount of money they are owed. Debt management plans are used when the debtor has a low financial capability and can only manage to pay a small amount monthly or make the repayment in a couple of months.

How to come up with your debt management plan

1. Get a record of your expenses and income

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Gather all the credit card statements, receipts, bank statements and bills and estimate your monthly budget. Join personal finance software like Mint, AceMoney, and BudgetPulse. Or you can just create a spreadsheet. You could chart your income and expenses. A spreadsheet allows you to identify problems in your spending habits. Come up with a document containing your budget for the past one year Analyze your monthly budget

2. Create your budget

Make a preliminary budget. Set goals on how to spend Maximize on tax advantages.

3. Be a budget pro

Reduce your expenses and stick to your budget. Make a point of paying off your credit card balances monthly.

Debt Management Programs

Debt management programs take 3-5 years and require a lot of commitment. If you don’t complete your term, you risk losing the concessions made by the creditors. While in the program, all credit card accounts are to remain closed. You must ensure that you contact your creditors and establish if they have accepted your payment plan as proposed by your credit counseling agency.

eferfgrgthIt is important that you spend an hour with a counselor prior signing up for any debt management plan as they will offer you expert advice. They will advise on how to control your spending and to how to reduce your debt, and you will be given your new customized budget according to your particular situation and spending rate.

In conclusion, participating in a Debt Management Plan is the right way to go when you have an outstanding debt and bad spending habits. Credit counseling organizations will offer you all the help you need and give you counseling sessions. When looking for a credit counseling organization, go for one that has a little monthly maintenance fee and a one-time fee. You could carry out research on debt management organizations and find one that suits you.…

How Can You Manage Your Finances To Be Debt Free

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You need to manage your finances effectively so that you stay out of the red light. Handling your finances may be a difficult task if you don’t know how to do it. The following are simple ways on how to manage your finances.

Stop making unnecessary expenses

It will help if you cut down on the expenses that you don’t need to spend on. You can do this by making a list on what you need to buy and avoid what you don’t want to use.

Start budgeting

fttgdsfdgrIt is important that you begin planning on how to spend the money you have. You can do this by budgeting as it is an excellent way to be in control of your finances. This will help you to keep yourself overspending and stay on track on your spending and the amount of cash to save. Keep a track on your expenditure by making a list, online budget planner, or create a spreadsheet.

Stop using credit cards if possible

Credit cards are convenient to use, but they can easily make you fall deep into debt. It is easier for you to spend money even if you do not have that cash at the moment. This can encourage more spending as you use money and you are charged later. It is so dangerous because you may end up spending more than you can afford to pay. It is nice to shop with cash as you have to pay for what you want. This will help stop you from overspending and keeping track of your money.

Consolidate your debt

dedfrgtgtfdgthtyYou can consolidate all your debts and merge them to be one loan. Once you get a low interest card and you got a high rate or large balance, transfer it or consolidate it to the credit card. You can be able to pay your debt within a short period and easily with a manageable interest rate. Make sure that you will never be buried in debt again if you ever acquire a sizable debt.

Conclusion

It is advisable for one to apply for a low interest rate credit card if you ever need one. Don’t sign the agreement if you don’t understand it. You should request a credit card that doesn’t require you to pay high interest rate if you need it for business or if you are working. You could save more money by paying a lower interest rate.…

Seven Sows – Asheville NC Southern Cuisine

MODERN SOUTHERN & AMERICAN CUISINE
Voted Top Ten ‘Best’ Fried Chicken in the United States

by Yahoo Travel/Lee Brian Schrager Miami-SOBE/NYC Wine & Food

(828) 255-2592 / 77 Biltmore Avenue Asheville, NC USA

UNIQUE

At Seven Sows, in downtown Asheville, NC, we combine a unique interpretation and modern spin on cultural classics. We pride ourselves on being different. The roots of our cuisine lay in the food memories of our youth and the travels and experiences of our journey as cooks. We have hung our decor ,including century aged white pine from North Carolina farms, to reflect some of the artifacts of a timeless era in our part of the South. We take pride in hospitality and have a smiling team of knowledgeable and efficient staff to make your special dining experience warm and truly memorable.

 

THE CONCEPT
Seven Sows is a restaurant which focuses on an impressionable and memorable dining experience with down to earth decor, warm and friendly service and delicious food and drink rooted in the nostalgia of our heritage and our past. Seven Sows sets out to embody the interpretation of a southern focused cuisine with impressions of French and modern American techniques and above all a boundless and bold creative spirit.

CRAFT COCKTAILS

While we have a full bar with all libations from vodka, scotch, gin to rum, we specialize in that one spirit born right here in the American South – bourbon. We offer an exclusive selections of bourbon, whiskeys and rye from Kentucky to Tennessee to Japan. We are proudly armed with two craft bartenders who’s masterful minds will impress you – The Brothers Knighten. Russell and Malcolm of Asheville will be pleased to tell you the story behind each and every one of these special libations. Our bar program includes delicious and outstanding craft cocktails which are ever changing with the seasons including house made drams with spice and local fruits to infusions and bitters. Our cocktail menu is proudly fantastic and will tempt and treat you from the Adios Muchacho (Suaza Blanco Tequila, Del Maguey Vida Mexcal, Lime, Pineapple & Jalapeno) to the South Slope Shandy (Heritage Cheshire Bacon Infused Old Forester Bourbon, Lemon, Sow’s Garden Thyme, Peach Bitters & Pilsner). Not sure which bourbon is your favorite? Take our whiskey flight and choose your favorite medicine.

FLAVOR
We select the very best seasonal ingredients from area farms, gardens and wild foraged foods from the valley and mountain forest floor as well as select whole animals from heritage breed hogs to mountain lamb, goat and chickens. We also grow a special selection of heirloom vegetables on beautiful acreage of valley land upon Western Buncombe County in the Rabbit Ham Valley which we call home. This special selection and labor of love, to us, provides our cuisine with the most amazing flavors you could imagine. This is what is important to us. ‘Cook what you know.’

EAT TOGETHER

Every plate achieves that elusive, cuisine-defining balance of nostalgic flavors with sweet, salty, and sour — even dessert.

Our South: In our South, cornbread is magic and must be conjured in a cast iron skillet and come out yellow, soft and sweet. We rhapsodize about homegrown vegetables cooked simply with salt and pepper. The pot likker is something of a miracle especially when involving filet beans and ham, fresh field peas and butter or slow cooked dixie speckled butter beans and smokehouse bacon. In our South, we marvel in the simplest of things like the thick round slice of fresh summer tomato with a slice of soft white bread and mayonnaise. The one thing perhaps equally important as the food we consume is the people we consume it with. The breaking of bread is sacred and we take pride in offering this experience for you here. Seven Sows accommodates all parties big or small and families are more than welcome.

Food for everyone: We offer a kid friendly menu and will cater to the the needs of any specialty diet. We offer exclusively fresh ingredients with menu items that change weekly with our repertoire. We are a full service restaurant with some of the most memorable service and cuisine you will receive from caring and passionate cooks, servers and bartenders. We offer on and off site catering to fit your needs and will gladly host your special event with us.

LATE NIGHTS AT THE SOW: Eat, drink and dance the night away to our very special late night party once per month. The lights go dim, the music gets loud and the menus get funky! Seven Sows stays open for late night dance parties every few Saturdays complete with a very special food and drink menu and live spin and music under a disco ball. Look for the next late night date and menu advertised on the news section of this website and on our social media sites. Late night hours are tentative to the end of regular dinner service and are set to start at 11pm-2am.

Next Late Night: Saturday Oct 25, 14

MIKE MOORE

EXECUTIVE CHEF

Mike was born in Elm City, Wilson County, North Carolina. His family had settled in Eastern North Carolina since prior to the American Revolution from Ireland, England & France among an agricultural legacy and community of sharecroppers and heritage farmers which are his roots. Leaving a career in law enforcement in Raleigh, NC in his mid twenties, Mike worked and trained in San Francisco at The California Culinary Academy and at a number of restaurants such as Aqua, SF and Rogue Chef Culinary Company in Half Moon Bay. Mike relocated to Asheville, NC, in 2004 and has worked in the Asheville restaurant scene for a decade in and through its changes and growth. Mike has experienced much from cornerstone kitchens such as The Market Place Restaurant under Fred Snyder and Mark Rosenstein and most recently at The Admiral with executive chefs Elliott Moss and Drew Maykuth.

In 2010 Mike launched a charity driven group of local chefs and friends which became the Blind Pig Supper Club. Three years, 78 conceptual dinners and thousands of dishes later The Blind Pig and its local and inspired chef collaborators have become a nationally noted charity fundraising organization that inspires creativity among its performing chefs and creates a boundless dinner experience for its guests.

Mike opened Seven Sows in March of 2013 with partner Jason Caughman. The vision is a restaurant concept focused on American and Southern cuisine widely inspired by the roots of his heritage. Mike leads the kitchen as executive chef and works to foster creativity, focus and motivation for the kitchen team.

TODD WOODS

CHEF DE CUISINE

Todd’s passion for cooking originated in his grandmother’s kitchen inspired by her beloved cooking, gardening and preserving food in Lenoir, NC. Primarily self taught, Todd has a music degree from Appalachian State University and worked through college in various kitchens of Boone, NC. Todd moved to Washington DC in 2008 to further his culinary experience. Through handwork and dedication to local and seasonal cuisine, Todd led the kitchen team at Restaurant Nora in Washington, DC as executive chef of the first certified organic restaurant in the United States. in 2014, Todd relocated back to WNC with his family and worked with Chef Kyle Mcknight at Highland Avenue in Hickory. In March, 2014 Todd relocated to Asheville, NC as Executive Sous Chef at Seven Sows and after five months of diligence, craft, passion and hard work was promptly named chef de cuisine in August of 2014. Todd is a major addition to the chef team at Seven Sows and is duly noted as lending creative inspiration of the ever changing menu from his experience and his travels as a cook. Todd’s practical thinking, grace in preparation and hard work shine through the menu as he helps lead the team.

NICK HANE

SOUS CHEF

Nick was born and bred in the capital city of Raleigh, NC. After attending college at Rochester Institute of Technology in NY, Nick travelled independently through Italy and returned to the U.S. with a further fondness and inspiration for cuisine. Nick thereafter relocated to Asheville, NC and graduated from the prestigious culinary program Asheville-Buncombe Technical College. Nick has worked his way through the kitchens of Asheville and landed at Seven Sows 6 months after inception and has been hard at work ever since on the line as well as assisting at numerous charity dinners at Blind Pig. Nick was recently featured as a chef at Blind Pig presents: ‘The Lonesome Highway’ dinner event held for the Hank Williams legacy and the creation and execution of his dish appropriately named ‘cold, cold, heart’ was given center stage by a feature from Garden & Gun Magazine in July 2014. Nick is Inspired by charcuterie, whole animal butchery, Waylon Jennings and Cheer Wine, Nick is a true son of all things Southern North Carolina and is a recent addition to the leadership and management of the cuisine in the kitchen …