2021 Car Buying Resolutions: Set the Right Goals for the New Year

Jan 18 2024 Published by admin under Uncategorized

The end of 2020 was one of the most awaited and anticipated part of the year. Now that we can finally bid goodbye to 2020, we welcome 2021 with new hopes and in regards that it will be a better year. With the onset of a new year, we will all set our resolutions. New Year resolutions can vary from joining a gym, spending more time with loved ones, or travel more often. However, if you want to buy a new car, setting new year resolutions related to your goal will help you in making the right choice.

Car Buying in 2021: New Year Resolutions to get the Right Deal

The following resolutions will help you pick the right car deal in no time.

1. Pick Cars over Mass Transit Options

A self-owned car has proved to be much more convenient and safer in the past year. Many regular commuters have discarded the option of riding on a subway or a train. A car is a safe mode to commute to work, school, or run errands daily. Additionally, cab-hailing services such as Uber are also not a preferred option during the pandemic. Moreover, you should road-trip in your car with loved ones instead of flying for the trip because it is the safer option. In conclusion, your resolution for 2021 should include a self-owned car for safe travels.

2. Reliable and Feature-Rich Car for Young Ones

Many countries all over the world are preparing to launch a vaccine in the year 2021. Post the release of a vaccine and the reopening of colleges and schools, look into purchasing a car for your younger one. Focus on finding a vehicle that is reliable, safe, and beginner-friendly. The Honda CR-V 2021 has gained applause for being a spacious, compact SUV with safety features such as road departure warning, collision mitigation brake system, and traffic sign recognition. You can even check other options before you make the purchase.

3. Maintain your Car & Credit Score

Just as changing the oil of your car is a necessity, so is maintaining your credit score. Regularly look at your credit reports and correct any fallacies that may have gone unnoticed in the past year.

Additionally, pay off your previous debts before you apply for an auto loan. Be consistent with your payments. Work on improving your debt-to-income ratio before you set out to purchase your next car. In the end, make it a resolution to maintain your car and credit score for a robust financial future.

Resolutions for Better Car Deals and Improved Driving Skills

Just thinking of buying a new car will not help you to achieve your goal. Research for the kind of car you want to buy; and focus on improving your credit score to enjoy a better deal.

Additionally, get working on your resolutions to improve your driving habits. Resolve to become a courteous driver and ditch road rage. Make distracted driving and using phones while driving a thing of the past. Let us enter 2021 with an evolved sense of driving!

Comments are off for this post

Places to Get Moving Boxes

Jan 18 2024 Published by admin under Uncategorized

Places to Find Boxes For Moving

Are you looking to locate boxes for moving? There are all types of expenses associated with moving from one home to another, but one of the ones you can definitely save some money on (for more important things) has to be the moving boxes you use to put all your belongings in.

There are plenty of places you can get boxes for moving for completely FREE, and we want to go over some of those locations so you can get your hands on them, so you’re prepared for the big move!

Maximum Real Estate Exposure has a comprehensive list of both free and paid moving box resources but let’s take a look at some of them here.


Craigslist is one of the best places to get yourself some free stuff, beyond just getting boxes for your move.

We have found that the best way to get moving boxes, though, is at the start of a new week, as there will be plenty of people looking to get rid of the boxes they just used for their own move the week before.

Some of the other places on this list will need you to ask in-person to see if they have any boxes for moving, but with Craiglist, you can just keep checking up on your phone now and again.

This will allow you to go round town asking for boxes while checking on the craigslist site in between!

Liquor Stores

Stores, especially liquor stores, have an endless supply of boxes that are only ever going to get thrown into the recycling bins, thanks to the large number of shipments they receive daily.

This is a great opportunity for you to swoop in and grab some free boxes, giving them a new lease of life!

We’re not advising you to go round the back of the store and go through their bins, though.

Just ask at the front desk, and we’re sure that management will be more than happy to give you free moving boxes to help with your upcoming move.

Other Local Businesses

Stores in your are area are some of the best places to find boxes for moving. Quite often you can find them for free.

Below are some of the best choices in your hunt for moving boxes.

These companies get regular deliveries to restock their shelves and often have more boxes than they know what to do with. Inquire with the manager, to see if they will let you take some boxes.

Here are some of the more popular places where you might find moving boxes.

Best Buy
Dollar Store
Sam’s Club
Office Depot

Just like the liquor stores in your area, your local Walmart is the holy grail of finding boxes as they take in many, many shipments per day.

They’re going to be left with heaps of boxes that they just have no use for.

Walmart will throw them away anyway, so you might as well get your hands on them if you can.


So don’t be afraid of looking heap’ when asking someone who works there if they’ve got any boxes you can take away for your home move. Another thing to keep in mind is that Walmart also sells boxes that are specifically for moving.

So if you strike out talking to a manager about taking away some of their shipping boxes, you can just head down to the moving box isle and pluck some there.

Dollar stores

With constant shipments of cheap and inexpensive goods coming through their doors every day, there are plenty of boxes just sat around in the back rooms of dollar stores that are ready for the taking.

Just turn up and ask someone if they’ve got any free, and we’re sure they’ll be more than happy to give you free moving boxes.

You probably won’t even be able to carry them all yourself, so bring a friend too!

Facebook Community groups

There are plenty of great community groups on Facebook, where a bunch of people from your area will have gotten together for one reason or another.

Whether that’s from a mutual interest in a particular topic or because they want to swap and sell their unwanted goods to each other.

These groups are also a great opportunity for anyone looking for help too.

So why not check out some of the local groups near you and ask if anyone has any spare boxes for moving that they currently have no use for. Facebook is good for many things, and you can add them to your list when trying to find your moving boxes.

Your friends

One of the many places people forget when they’re thinking about where to get moving boxes from definitely has to be their friends.

We are quick to think about our local stores’ possibilities of having free boxes for us to take, but we always forget that our friends might have some too.

And they’re going to be more than willing to part ways with them since they are your friends after all.

So, don’t be afraid to pick up the phone and give your favorite person a call to see if they’ve got any moving boxes for you to take. Who knows, maybe they’ll even offer to help you move home too!

Final Thoughts on Where to Find Moving Boxes

Other than changing your mailing address there aren’t many more tasks more critical than finding boxes to execute your move. After all, it is hard to get your move underway without having found your moving boxes. This should be a task that is put right at the top of your moving to-do list. Hopefully, you can use some of these ideas and find the boxes you need!

Comments are off for this post

An Introduction to the SMSF Loan Scheme

Jan 18 2024 Published by admin under Uncategorized

What is a SMSF home loan?
The SMSF is an abbreviation of ‘Self-managed Super Funds’. SMSF home loan is a type of loan that is used to buy investment property. The returns on investment- whether that’s rental income or capital gains, are funneled back into the super fund which in turn, increases the retirement savings of the borrower.

Who can borrow the SMSF loan?
The SMSF loans are used to buy both residential or commercial property. The Australian Taxation Office (ATO) controls this type of loan and allows membership of up to four people where all members should be trustees. The SMSF member and trustees borrow this loan with an intent of making an investment that can help grow the members’ retirement savings.

What are the advantages of investing in SMSF loan?
The SMSF Home loans are considered a good home loan option as well as the best powerful way of saving for retirement. This is because it provides the borrowers with several useful advantages. Some of these advantages are listed below:

Increased flexibility among the members to acquire and sell properties.
Access to a variety of investment options
Helps in increasing savings and reducing tax payments
Drawbacks of SMSF Loans
While there are some important benefits of SMSF commercial property loan, there are also a few drawbacks of this loan, about which every member of the SMSF should be aware of. These drawbacks include:

No tax loss offsets: Under the SMSF loan scheme, any tax losses from the member’s commercial property can’t be offset against their personal income tax. The member must rent his/her property at the market rate. Simply put, this means that if the member owns the property and lease it to his own business, then he can’t apply any discounts to the rental price.

Strict rental conditions: It is mandatory to pay all rental fees on time, and in full.
Regular valuations: It is important for the borrowers to get their property independently valued on a regular basis.
Showing intent: When a member purchases a commercial property within his SMSF, he must be able to prove it’s solely for the purpose of providing him with a retirement benefit.
Renovations and repair funding: With SMSF, any significant changes which are required to be made into the member’s property, such as repairs or renovations, must be funded by cash directly available in the member’s SMSF. He/she can’t borrow money or take out a loan.
What are the terms and conditions related to SMSF Loans?
There are certain essential rules which the borrowers must follow while applying to SMSF home loans in Australia. These rules state that the property for which the loan is taken must:

meet the ‘sole purpose test’ of solely providing retirement benefits to fund members
not be acquired from any related party of a member
not be lived in by a fund member or any fund members’ related parties
not be rented by a fund member or any fund members’ related parties
What are the requirements of applying to SMSF loan?
Lenders and all other types of financial institutions offering SMSF home loans in Australia look for the following requirements in their borrowers while lending the loan:

Deposit: A deposit of at least 30% of the property value is expected to be made by the borrower
Rental income: The income expected from the property is factored into the borrower’s ability to make future repayments of the loan
Patterns of contribution: Lenders also analyze the pattern which shows how frequently and consistently the loan members make contributions to the fund, as these will also be relied on to meet repayment obligations.
Structure of the SMSF: The structure of borrower’s self-managed super fund must be compliant with Australian Taxation Office (ATO) and Australian Securities and Investments Commission (ASIC) rules.
Speak with a home loan broker
Applying to a SMSF home loan can be quite a tricky and lengthy process. That is why, it is best to take help from a home loan broker while applying to the SMSF loan.

Your Finance Adviser is a leading group of best home loan brokers in Australia. We are a finance advising company that works with a team of home loan experts including first time buyer mortgage brokers who specialize in providing a variety of home loan advice to a variety of customers located across all types of industries in Australia.

Shailendra Wadhwa, our passionate and committed home loan broker of the Kellyville Ridge , is ready to assist the customers in making the right financial decisions while applying to a home loan in Australia.

Comments are off for this post

High Priced Consulting – Easy Selling Process

Jul 06 2023 Published by admin under Uncategorized

How to sell your high priced consulting to your list the easy way? What if you discovered how to boost the selling of your high-end consultation starting today? Here are 5 simple steps to get you started.

Step 1 – Get started building a list of very targeted prospects.
Step 2 – Start building a strong relationship with them by helping them.
Step 3 – Boost your trust and establish yourself as an expert in your niche.
Step 4 – 2 tools that you can use to speak with your list and convince with them that you have the best content.
Step 5 – Now promote your high priced consultation offer to provide specific solution to their needs.

Here are step by step details that you can apply quickly and easily.

Step 1 – Get started building a list of very targeted prospects.

The very first step that you need to take to get started selling high-ticket consulting is to start building your targeted list. The reason that you have to build list is that you will have a targeted group of people to whom you can promote your offer to purchase your consulting in future. Also you can build strong relationship with this group of people and promote your future products with them. Here’s how to make strong relationship with your list.

Step 2 – Start building a strong relationship with them by helping them.

It is extremely important that you build a strong long lasting relationship with your subscribers on regular basis. To build a strong relationship with your list it is extremely important that you build quality content on regular basis to give your subscribers and this will get them to trust you as an expert in your niche. Here is a simple tip that you can use to establish your expert status.

Step 3 – Boost your trust and establish yourself as an expert in your niche.

Another simple reason that you can boost your expert status online is by speaking with your subscribers personally one-on-one and providing quality information and helping them to solve their problems. All you have to do is set up a free teleseminar call on a regular basis and provide quality content to your subscribers and this will boost your expert status in your niche. At the end of the call you can easily promote your consulting service and this will boost sales.

Step 4 – 2 tools that you can use to speak with your list and convince with them that you have the best content.

Teleseminars and webinars are two most powerful tools that you can use to boost your trust and relationship with your list. They will help you to provide audiovisual presentation to your subscribers and provide them quality content to promote your high-end consulting program. Once you have built your credibility with your subscribers it is the right time to promote your high-ticket consultation.

Step 5 – Now promote your high priced consultation offer to provide specific solution to their needs.

At the end of your presentation you can easily divert your attendees to promote your consultation program. You can give them a time-limited offer and this will boost sales almost instantly.

Comments are off for this post

Business Consultants That Try to Be Everything to Every Company Miss the Mark

Jul 06 2023 Published by admin under Uncategorized

There is a huge tendency for business consultants, branding experts, marketing gurus, and Six Sigma management folks to over embellish their abilities almost to the point of listing every possible task in a business, and claiming they are one with that expert status. This is a mistake, not only because it’s most likely untrue, but because entrepreneurs, start-ups, and large corporations do not need all those things. Rather they start searching for consultants on specific items they need assistance with.

Consulting companies need to realize that most companies wish to buy such service al la carte, not in a huge package. This is not to say that a consulting firm may not eventually get all the business for other needs within the company over time, they may, but really a comprehensive consulting package is most likely 95% of the time what they are looking for. Indeed, advertising such on a consultant’s website, may actually backfire on them. Let me explain.

You see, companies probably already have someone in-charge of marketing, operations, PR, advertising, branding, processes, management, communication, etc., and they are contacting the consulting firm for a niche need of theirs, not the whole thing. If they needed all those services, and were falling down on all those things, they’d probably already be out of business in this recession.

Additionally, those who work in the company will sabotage the hiring of the consultants if they think it might cost them their jobs. If they are the ones participating in the hiring of the firm, they will want to choose a different company if they read on the website that the consulting company is going to come in to do everything. Please think on this.

Comments are off for this post

How to Start Consulting – Discover 4 Amazing and Powerful Steps to Jumpstart Your Consulting Career

Jul 06 2023 Published by admin under Uncategorized

Do you want to start a career in consulting? Here’s how you can get started:

1. Choose a field of consulting that match your skills, expertise, and experience. If you are great in running a business and if you have proven track record in this field, you can be a business consultant. If you are great in information technology, you can be an I.T. consultant. It’s important that you target a field that you know very well to easily give your prospects the kind of information and assistance that they need.

2. Increase your knowledge. There are now so many people who are sinking their teeth into the field of consulting because it’s very lucrative. To get ahead of the pack, I recommend that you increase your knowledge on your chosen niche so you’ll become more “hireable.” Read relevant online and offline resources, attend relevant trainings and seminars, and interview other experts on your chosen niche. The more information you obtain, the better.

3. Take advantage of consulting training. You would want to be 100% ready once you work with your first client. This can happen by attending consulting trainings that can give you a solid idea as to what you can expect in your consulting sessions. These trainings will also help you develop or improve certain skills needed to succeed in this field. These include communication, analytical, people, and problem-solving skills.

4. Practice makes perfect. Get an objective third party who can help you while you are practicing. This person can act as your client and can give you a problem that you need to solve. After each session, ask for feedback to easily figure out the things that you need to improve on.

Comments are off for this post

Management Consulting – Understanding the Ins and Outs of a Management Consultant

Jul 06 2023 Published by admin under Uncategorized

Management consulting is the practice of helping certain organizations improve their performance through analysis of business problems and creating plans of actions for improvement. Management consulting has grown quickly particularly in the United States. The industry has grown at least 20% in the last couple of years.

Organizations who are hiring management consultants usually look for external help or objective third party who can share their ideas about business plans. As these consultants were exposed with different organizations and problems related to business, they are expected to bring in expertise that can help their clients solve their problems in half the time.

Management consultants may also be called in as a temporary help for a one-time projects. Consultants are expected to provide assistance in development of coaching skills, organizational change management, technology implementation, operational improvement services, and strategy development. These consultants are also expected to bring in their own methodologies when identifying and resolving the problems within the organization.

Consultants have the option to specialize. They may opt to focus their attention on particular industries such as telecommunications, retail, etc. They are encouraged to choose their areas of specialty based on their educational background, preferences, and relevant experiences. These people charge based on the size of the project and the amount of time needed to finish it. Consultants who have been around for years and who were already considered industry leaders can charge up to $25,000 per client. While those people who are just starting out usually charge $1,500 – $10,000. This can indeed be a lucrative field to individuals who got the expertise and skills.

Comments are off for this post

Chiropractic Marketing Consultant Red Flags

Jul 06 2023 Published by admin under Uncategorized

In the fast expanding world of chiropractic marketing and consulting, chiropractors looking for a results-driven coach should definitely do their due diligence before jumping the gun. It’s unfortunate, but many get locked into long-term commitments that only benefit the chiropractic marketing consultant. This, in my opinion has to stop! Here are some important things to look for when selecting a practice management coach online or offline in 2009.

First, find a chiropractic marketing consultant whose ego doesn’t need to be stroked constantly. This can be easier said than done, trust me. However, if you look deep enough, you’ll be able to filter through the BS down to who’s the real deal and who’s just inflating social proof. When I was on my quest originally, I found many “gurus” talked a big game, were super pretentious, and consistently released marketing material that only spoke about how great they were. This, in turn, translated into a lack of transparency and more hype for the average chiropractor searching for a legit company.

Next, find a chiropractic marketing consultant that has a track record of working together with other leaders in the profession. Typically, the consultants with the largest egos are usually the most competitive and operate from a scarcity mentality, meaning these guys think they’re too great to collaborate with other marketing groups. This mindset appears to be prevalent in the chiropractic profession unlike many other industries.

For example, if you study internet marketing, you’ll notice that the guys with the big lists at the top of the food chain are always helping each other with joint ventures. This is true even though they have similar products and by many standards are “competing” for the same pool of customers.

Third, go with a chiropractic consulting group that’s looking out for YOUR best interest. Don’t rush into any decision and don’t feel like you have to choose today. It’s OK to take a few days to weeks to do your homework before investing several hundred to several thousand dollars per month. Talk to friends, as word travels fast if a doctor is making killer returns from the guidance of a coaching group.

Ask yourself, “Is the management firm you’re considering pressuring you for a payment or are they legitimately concerned about taking your chiropractic practice to the next level?” A word of advice…. The minute you sense that your best interest is not at the forefront of their game-plan, run!

Last, make sure to go with a chiropractic marketing consultant or group that is technically savvy and that stays abreast of new trends in the world today. Communication is changing rapidly and many are finding their models of doing business and marketing are outdated. It’s funny, I will do specific internet searches and heavy online analytics for some practice management groups and their web presence is usually poor with little branding even being done online. I spoke to a consultant one time that said he could barely turn on a computer and sounded proud of this for some odd reason.

Contrary to what some believe, the internet is not a fad. It’s the most spectacular medium in world to gather information and marketing your chiropractic office. We live in an information and technological based world and those that resist updating will not be around in a few years for sure.

As touched on before, get involved with a group that let their results do the talking more-so than their mouth. Speak with satisfied and unsatisfied clients. It doesn’t matter how good your product or service is, you will always have unsatisfied clients so it’s important to get their points of view, too.

Comments are off for this post

How Colour Consultants Can Help With a Change of Hair Colour

Jun 14 2023 Published by admin under Uncategorized

Colour consultants are experts in looking at your colouring in its entirety; they understand how your natural colouring (hair, eyes and skin tone) works together and they know what will work and what will not. They will be able to advise you on the options that will look great and can explain why some shades need to be avoided.

It is a good idea to book a brief appointment with your colour consultant before you have your hair coloured but also to return to see them for a longer session when the colour has been changed. When you change your hair colour, it can sometimes mean that you will need to alter the shades of clothes you wear and how you wear your make-up. So, for example, if your hair has been high-lighted and fair during the summer but you would like to go back to brunette for winter, some darker shades of clothes and make-up that would have been too heavy for you before might be perfect with your new brunette look.

So what are the main things to keep in mind when having your hair coloured? Firstly, if you are a natural blonde whose hair has gone a bit “mousey”, highlights would be the easiest option to return your hair to its original tone. Your colour consultant will be able to tell you if you have a warm or cool skin tone therefore whether it is better for you to go for a golden blonde look or more of the ashy tones. An all-over platinum blonde look is popular at the moment but consider whether you will find the look too dramatic for your personality.

If you are a red head then hopefully you embrace your rarer colouring and don’t try to fight it. Adding ashy highlights would really work against your warm skin tone, so if you want a lighter look opt for golden, strawberry blonde shades. When you were younger your hair might have been much more vivid but might have become more muted as you’ve matured. If you would like to take it back to it vibrant past, then an all-over copper shade in a semi-permanent or permanent shade may be the answer. Permanent shades are usually more damaging than semi-permanents and remember if you want to make sure that you’re absolutely happy with the colour, a semi-permanent is easier to change.

For the brunettes, your darker colouring is usually perfect for your eyes and skin tone but if you feel your dark hair is a bit flat, why not consider making it livelier with lowlights. These fine strips of muted, bright and dark shades look like filtered light and give flashes of brightness. Again an all-over permanent or semi-permanent shade can give more of a solid and shiny look but ask your colour consultant if you have a warm or cool skin tone to know whether it would be best to go for a warmer shade such as mahogany or a cooler shade such as an aubergine.

Changing your hair colour can be exciting and just the lift you need as winter draws nearer, but do remember to get good advice before you go ahead with a drastic change.

If you have a friend who has already changed their hair colouring and is now wondering what colours she should be wearing in her clothes and make-up, why not treat her to a colour analysis for Christmas?

Comments are off for this post

Industrial Management Consultants – Who Are They and What Do They Do?

Jun 13 2023 Published by admin under Uncategorized

Often industrial management consultants are asked what a consultant is and what do they do. This can be tricky if the expert hasn’t actually prepared themselves to answer this specific question. Lets begin with what a consultant is, according to wiki; from the Latin ‘consultare’ means “to discuss” from which we also derive words such as consul and counsel) is a professional who provides advice in a particular area of expertise such as management. Now to me that’s a simple and excellent explanation in regards to what a consultant is.

Essentially they are an expert who offers their advice, because they either have significant experience or expertise that lends to their high level of credibility as an expert. Now as to what a consultant does and how they do it that’s where this conversation spreads like the spokes in a wheel. Begin by thinking of their expertise which we will – just for an illustration – is at the center of a wheel.

Now each expert has several methods in which they deliver there expertise, some deliver it online with webinars. Some deliver it through on site visits, and some deliver it through products such as books and training DVD’s. The most successful consultants utilize several of the methods discussed above, but they usually fall back on the network and delivery methods they used while developing that expertise. For example if they were Technicians whom traveled to many parts of the country to troubleshoot machines.

Then they will likely have built quite a contact list which they would use when they decide to jump into the consulting arena they will likely feel more comfortable traveling to and from sites around the country. Therefore they are likely to offer on-site training classes as a result.

As a matter of fact from a business point of view its probably the best route for the to build their practice, there’s very little learning curve by doing what your already good at in a niche you already have significant experience in.

Comments are off for this post

Older posts »