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Tuesday, December 18, 2012
How Much Does a Bachelor Degree Cost Around the World? - Infographic
Here is a great infographic depicting the cost of a bachelor degrees around the world. It’s interesting to see the costs in some countries. Also what you chose as your major will impact for the rest of your career what your income will be. Many parents do not realize the education their children are getting, for an insane cost, will lead to a poor paying job.
Planning To Buy a Car? Know Your Type First
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| English: Toyota Camry (left) and Ford Excursion (right). (Photo credit: Wikipedia) |
- SUVs: SUV stands for Sports Utility Vehicle, and buying one can give you some great benefits. This kind usually comes with a 4x4 wheel drive option for good off-road experience. Apart from this, SUVs are known for their spacious interiors, extra head room and leg room, high ground clearance and ample boot space. All these features are very useful in case of long drives and family trips. So if you’re a family guy looking to travel medium and long haul drives on weekends, an SUV is the perfect buy for you.
- Sedans: Sedans are regular sized cars with two rows of spacious seats. Sedans are the most economical cars around and are also ideal city cars. They have low ground clearance, which means that there is less risk of toppling over. Sedans come in various types depending on their structure and design. Hatchback sedans, notchback sedans, fastback sedans and hardtop sedans are a few among them.
- Coupes: Coupes are smaller versions of the sedan. They were traditionally described as “two door cars”, but these days they come with four doors too. One major advantage of buying a coupe is that it is inexpensive to maintain and can be parked easily anywhere since it does not take up too much space. Other than this, it is easily maneuverable, thus making for the perfect city car.
Apart from these three major categories, there are a lot of other categories of cars available in the market. Furthermore, these categories are subdivided into full size, mid-size and compact cars, depending on their size. Now that you have a fair idea of the options available in the market, you can make your decision on what to buy. Remember to check online for a good car insurance quote before you actually go ahead with the purchase. Select the most suitable car insurance quote, draw up the papers, get your driving license and you’re all set to drive your very own car.
Author Bio:
Crowley is a car salesman with a leading company and has over two decades of experience under his belt. He also writes articles for his company – RSA Direct, which are published on the website. His recent write ups include “How to buy the best car for yourself” and “Getting the best car insurance quote online”.
Handy Tips on Effective Tax Returns
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| taxes (Photo credit: 401(K) 2012) |
After
the back to back financial slumps in and after the year 2008, the structure of
the world economy has greatly changed. There are millions all over the globe,
who do not have a proper credit history. Hence it becomes a difficult task for
them to get a loan. Besides getting the loan, one also needs to make sure that
they manage their taxes in a proper way. In this article we will provide the
correct tax planning tips that will help one to manage their taxes correctly.
Possessing the correct information on Taxes
Having
the correct knowledge of the tax that you need to pay is the most important
thing. There are various kinds of tax that one needs to pay such as local tax,
federal tax, income tax and others. Often it is found that one finds it
difficult to understand the nature of the tax and how much exactly they should
pay. In such cases it is a beer idea to hire a professional who has a fair idea
in tax returns. Such professional will also be able to help you to find ways to
save on your taxes. There are numerous ways in which one can save on their
taxes using legal methods.
Maintaining a Record of the transactions
Keeping
a record of the tax payable is an effective way of managing your tax payments.
That way you will not lose track of the amount of tax that you need to pay and
the time at which you need to pay it. Many a times it is found that individuals
inadvertently skip their tax and eventually end up paying more. Maintaining a
folder or a file will help one to keep abreast of the tax returns that they
need to make.
Hiring a Professional Tax Consultant
Hiring
a professional tax consultant is of utmost importance. The entire scope of tax
returns is huge and it is virtually impossible for an individual to get a
proper idea of it. There are numerous ways in which one can benefit by hiring a
tax consultant. The most important benefit of hiring professionals is that,
they will be able to help you in saving money on your tax. Moreover they will
also be able help you to easy ways of tax return. Hence resorting to the help of a professional
is certainly a great way to manage your finances.
On a Concluding note
On a
concluding note it can be said that in order to manage your finances in the
best possible way, you need to keep in mind all the above mentioned points. A
recent study has shown that many individuals lose thousands in penalties for
not paying their tax on time. Hence you should consider hiring a consultant to
manage all the aspects of tax return. There are many tax consultants out in the
market. Make sure that you choose an experienced one to address your needs.
Pros and Cons of Using the Internet to Sell or Rent Your Property
Anybody who is looking to sell or rent a real estate
property, wants to sell it quickly, and that too at good price, but a layman
might not even be aware of exactly what’s the good price for his/her property,
let alone managing to get that price. This is why majority of people goes for
real estate agents for buying, selling, or renting their properties.
A real estate agent or broker can assess your property and give
you an idea of the right price according to neighboring communities and the
overall situation of the real estate market. They can also help you with
marketing, home staging, and closing a deal, except that they will charge a
hefty fee or commission for their services, precisely the reason why many
people prefer to avail one of those online property portals or classified websites
for finding a buyer or tenant for their homes or offices.
But just like any other option, selling or renting a
property via internet, without getting any help from a real estate agent might
save you some bucks, but it has its fair share of disadvantages as well. So,
while I am all for making the most of Internet, you must have an idea of the
downsides, so that you can do something to deal with these shortcomings.
Advantages:
I.
1. Save
on the Commission Fee:
As earlier suggested, real estate agents will be charging
hefty amounts for their services. If all you are looking for a buyer or tenant
for your property, which is located in a big city, you can easily catch the
attention of many interested parties by simply putting an ad on property
portals or classified ads, and that too for free. You can also upload some pictures
and floor plan, and you will be getting calls from interested buyers or people
looking for rental property, in next to no time.
II. 2. More
Control:
Using Internet to sell or rent your property means that you
will be free to make your own decisions. Not that dealing with a real estate
agent will bound you to listen to their advice, still some of them might talk
you into a deal that you will regret later on. Remember that they will be
looking to get the deal done ASAP because that is when they will be getting the
commission, and sometimes your might miss a good prospect in hurriedness.
III. 3.Clash
of Interest:
If your real estate agent has many properties on hand, and
they are expecting bigger commissions from other properties, they will be
keener to sell or rent those properties sooner than yours, while making you
wait. Turning towards the Internet and doing it yourself means that you can make
a wholehearted effort and attract the potential buyers without wasting any time.
IV. 4. Learning:
Property portals are not just used for selling or renting
properties, they can help you in more than one ways. For example, you can
compare property prices in your neighborhood and decide the right price, you
can also get some handy tips from their knowledgebase, or you can initiate discussion
or post queries at their communities.
Disadvantages:
I.
1. Time
Consuming:
Remember that not only you will have to take all calls from
interested parties (including some at odd timings), asking all sorts of
questions and making weird offers. That is quite time consuming, as well as
annoying, not to forget that even if you have uploaded pictures of your
property, many people will be interested in visiting the home, so you will have
to take out time and arrange a visit for many interested buyers or tenants.
II. 2. Negotiation:
Real estate agents are usually quite good at persuading and
price negotiations. That’s part of their job and something that they are doing
day in and day out. You might not be as good as a professional agent or broker
at communicating or convincing when it comes to persuading buyers or renters to
go for the property.
III. 3. Documentation
All real estate transactions, doesn't matter if it is
renting out a property or selling it; need to have some well documented
agreements. A real estate agent will be able to help you with the legalities
and nitty-gritty of a transaction; you’ll have to be extra careful and vigilant
while handling it yourself.
Farah is a contributing writer for a London loft conversion company, that
specialize in planning and carrying out high quality loft conversions in
London, Hertfordshire, and Essex.
3 Benefits of a College Degree
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| (Photo credit: pennstatelive) |
In this age of globalization and competition, a college degree
has become a must for all those who wish to work in knowledge based
organizations. Here is what a college degree can mean to you:
Strong Knowledge Base
A college degree increases your ability to understand the
subject in depth. It gives you the time to absorb the subject through a
practical and focused approach. It teaches you the application of theoretical
aspects of the subject, it gives you the education requirements for you career choices, enhances your writing and speaking skills and gives a
broader exposure to the subject and everything related to it.
Higher pay package
A college degree could make a difference of at least $30,000 in
the annual pay package that you can command than without it. Even a 2-year
associate degree is better off than just a high school certificate.
Greater potential
College education can open up more job opportunities than you
imagine. The general perception of bachelor’s degree holder is that this person
is more equipped to deal with the challenges of work as compared to one without
it. So if you have a college degree in your hands then you are better to
attract more jobs your way.
So go ahead and get yourself a college degree, you will be glad
you made the decision
Monday, December 17, 2012
Fleet Management Tips for a Growing Business
In general terms, fleet management is
the process of maximizing the return on investment companies make in their
equipment. In practical terms, this means getting as much production as
possible from the equipment, at the lowest per hour cost, over the longest
period of time, while obtaining the highest sales value at end of life. In
order to do this, an owner has to monitor and manage the company assets through
modern business techniques and technology.
The first step in proper fleet
management is to obtain the vehicles in the most cost conscious way. Contract
hire is one way to make vehicle acquisitions.
Contract hire
is a type of vehicle lease.
This type of lease allows you to hire a vehicle on a long-term basis with
payments made for every month of use. The amounts that you are charged will be
based on the amount of driving you do using the vehicle, which is measured
using the mileage and value of the vehicle. In addition to mileage and the van's
value, other factors that will influence your rental fee include the length of
the rental period and the resultant depreciation at the end of use. Contract
hire is one of the most popular ways business pays for its equipment.
Vehicle
tracking:
Just as it sounds, vehicle tracking is the process of knowing where a piece of
equipment is at a specific time and date, or where it has been over a period of
time. Functionally this means answering questions as diverse as “are they where
they can be the most productive?” and “where did they go today?”
Theft
mitigation:
Closely related to traditional vehicle tracking, theft mitigation allows a
construction company to know if a piece of equipment is being stolen. Data
gathered for theft mitigation includes when a piece of equipment is started
outside of normal working hours, when a piece of equipment is moved (with or
without engine start), when the equipment is being transported and where the
equipment is at any time.
Productivity: Managing productivity
means being able to understand when and how much a piece of equipment is
running, idling, working, moving, etc. This information should be specific to
the tasks the piece of equipment is performing as well the project on which it
is working. For example, a backhoe might be working but not moving about the
job. The system needs to account for this.
Maintenance: Knowing how much a piece
of equipment has been running, idling and working allows a construction company
to know an equipment’s hour meter reading very accurately and in real-time. In
addition, sensors on the equipment can identify when and measure how long or
how far a piece of equipment is being run in reverse, how many lifts or dumps
have been made and a host of other activities. This knowledge makes it possible
to accurately employ a very effective preventive maintenance program.
Operator behavior: While you can’t directly measure operator
behavior, you can infer it from other data collected while the operator is
using a monitored piece of equipment. Knowing when a piece of equipment is
started in the morning, how much time the equipment runs during the day how
much time the equipment idles during the day, how much time the equipment moves
during the day and how much it worked can be interpreted to get a reasonable
view as to operator behavior. This is particularly powerful when management has
the ability to look back over months of data and identify trends.
Increased efficiencies and increased profits are
the main goals of modern fleet
management. The majority of these increases can be obtained
through the implementation of new fleet management methods or the enhancement
of existing fleet management processes.
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