Sunday, December 16, 2012

How To Write A Used Car Dealer Business Plan

Firstly the question you need to answer before writing your plan - what is a business plan? Cutting to the quick it is a roadmap for your used car dealer business presenting anyone who gazes as it what the goals of the business are and also shows how those goals should be achieved.

It is a vital tool for raising finance, including - bank overdrafts, loans and venture capital.

The plan should be customized for the would-be lender or the financier. The substance of the plan should exhibit the would-be interests of the lender and promote support for your used car dealer business venture.

Your used car dealer business plan isn't just for getting you the investment you need - it's main objective ought to be to indicate the direction in which your used car dealer business is heading.

You must keep your investor's attention by making the document as reader friendly as possible. Use straightforward, direct language and graphics to illustrate your points. Make sure your wording reflects the assured approach of the management team. Then again, it is advisable to be realistic whilst presenting fiscal forecasts.

Endeavor to make the used car dealer business plan as upbeat as possible but do not shy away from any evident troubles there may well be in setting up your used car dealer business as your backer will more than likely think of them anyway; so if you can get their first and reply to the likely questions before they think of them so much the better.

Make a solid first impression by presenting the article in a clean and professional manner by using an understandable, uncomplicated design that conveys a skilled image and keep away from jargon, keeping the contents concise and hard hitting. Any technical or supporting information should be provided in the appendices.

Keep all the numbers between the main body of the article and your appendices - if you put large sections of figures in the body of your document you'll distract your backer from the flow of the used car dealer business plan.

If you are creating a new business; it's important you explain why you came up with the idea to start this new business. Give advantages of your particular products or services that you intend to present to potential clients stating how you plan to get their business. Give details of the market sector whether it is a growing sector or not, give details of your pricing policy and how you intend to sell your goods/services. Highlight any competition out there and how you plan to compete in this lucrative market and make your backer a return on his or her money.

Make apparent the know-how and awards of you and your management team and show how their skills can be harnessed to secure growth potential and profitability. Give information on enrollment requirements including CVs for superior management in the Appendices and, if applicable, an organisation chart to illustrate the management arrangement.

Monday, December 10, 2012

How To Beat Credit Card Debt

It's all too easy to get bogged down in credit card debt. In the current economic climate, many responsible, intelligent people find themselves struggling with debt they can't repay. It's easy for your situation to begin to seem desperate, and people facing large amounts of debt often sink into depression and fear.

Don't let this happen to you! Your credit card debt may seem insurmountable, but there are simple steps you can take to beat credit card debt once and for all without destroying your credit rating. Follow these simple steps and watch your debt disappear.

Step One: Stop Spending

It seems obvious, but if you're facing a mountain of debt, you have to stop spending. This can be a real challenge if you're having trouble making ends meet, but it's one you have to face. Where can you cut corners? How can you bring your spending under control? What can you get rid of? This is a necessary first step to curtailing your debt.

Step Two: Get Rid of (Most of) Your Credit Cards

If you're one of the thousands of people shuffling debt between a dozen credit cards, it's time to stop. Pick one ideally the one with the lowest interest rate and cut up the rest. If you don't trust yourself with even one credit card, consider asking someone you trust completely (like a spouse or parent) to hold onto that card for you.

Step Three: Don't Ignore the Problem

The biggest mistake people make when facing credit card debt? They ignore it. They don't answer calls from collection agencies, they shred their bills unread, and they avoid looking at their bank statements.

This is a perfectly understandable response, but it's not going to solve anything. No matter how difficult it is, you have to get an accurate understanding of your situation. It may not be as bad as you think or it may be much worse. Either way, it's time to sit down with those credit card statements and figure out exactly how much you owe.

Step Four: Budget

Look at what you're spending and what you're making, and figure out how much you'll allow yourself for each expense for the coming month. Make sure that debt repayment is one of those expenses before you proceed to step five, you'll need to know exactly how much you can afford to put towards your debt.

Step Five: Figure out a Repayment Plan

It may surprise you to learn that credit card companies aren't your enemies. They know that once an account goes to a collection agency, they're very unlikely to see their money again. For that reason, they welcome any attempt you make to repay your debt.

This means that if you contact them and explain your situation, many credit card companies are willing to accept lower monthly payments, charge less interest, or forgive missed payments in exchange for your commitment to work with them towards repayment.

Credit card debt is frightening and difficult to deal with, but it doesn't have to spell financial ruin. Take a few deep breaths, confront the problem, and you may be surprised at how quickly you're able to beat credit card debt for good.

Saturday, December 8, 2012

Ie Advantages And Disadvantages Of Recurring Authorisation Payments

One of the greatest stresses in life is having to pay your monthly bills. Dealing with the financial burden and having to take time out to take keep track of all the different bills and due dates is not something any one looks forward too. Thankfully, with the advent of credit cards, an option that makes bills payments less stressful is now available.

Credit cards now offer what is usually called recurring authorisation payments, or automatic payments. Recurring authorisation payments work by allowing your service provider, such as the electric company or your life insurance company, to automatically charge your credit card each time a bill is due. The charge then reflects on your credit card balance so that you do not have to worry about paying the service provider, but instead take care of your credit card bill.

The most obvious advantage of this set up is that, as long as they have this option, you can set up recurring authorisations with as many of your service providers as you want. This has the effect of consolidating all your bills into just one, your credit card bill. Instead of having to keep track several due dates, which almost always means missed payments for a bill or two, you just have to make sure that you make your credit card payment on time.

Another advantage is that it can make keeping track of your expenses a bit more easy. Since recurring authorisation payments are reflected on your online credit card account, you can easily see if the service provider has already billed you and how much. You also do not have to keep receipts for future reference since they will all be reflected on your statement of account, which you can always recheck if there is any need for it. Furthermore, some of the best credit card providers also allow you to export your financial details to a financial or budgeting software to help you manage your finances. Since you are paying your bills via credit card, they will automatically be part of the expenses, so you won't have to plug them in manually.

As good as it sound though, recurring authorisation payments does have some disadvantages. The same way that it can help you keep track of your bills payments, having this set up can make you lax in keeping track of bills that can soar, like phone bills. Since you do not have to look at your phone bill, knowing it will be taken care off by the credit card company, you can end up with an enormous bill without realising it. This leads to the other disadvantage, which are over the limit charges. If you do not keep track of your spending, this can lead to your going over your credit limit, which can lead to expensive penalties.

Sunday, December 2, 2012

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