economy & finance
car loan deals by sean horton
when it s to getting the best car loan deals then a lot of it will depend on your credit history. if you have a good credit past then this will go in your favour when it s to getting the best rate of interest. however, all is not lost if you have had problems with credit in the past, although you still can get credit when it s to getting a loan for a car you wont get the best interest rates, but by shopping around you can get a good car loan deal.
if you have an excellent credit rating then it might be in your best interest to go for a personal loan, by going for a personal loan you are able to shop around online and secure the cheapest loan and rate of interest. it also works another way in your best interests because as you already have the cash in your pocket by going for a personal loan you can go along to the dealer and offer cash.
the majority of time if you pay cash for your car then you can get extras; the dealer could knock something off the price you pay if you pay cash there and then or offer you bonuses such as money off your insurance. another benefit is that you will drive away from the showroom knowing that the dealer isn't in a position to repossess the car should you miss a repayt.
one possility when it s to financing your car is to take the finance through the dealer where you choose to buy your car from. however the majority of times the rate of interest will be a lot higher than if you had shopped around for a personal loan, one of the ggest benefits of taking this type of finance is that it is easier to get but you of course will pay for this privilege.
if you do have bad credit history and have been turned down time and time again for credit, then it still might be possible for you to get a loan to buy a car. if you look online then there many places which now offer loans to those with bad credit ratings, however by doing so you can expect of course to have to pay a high rate of interest on the loan.
whichever way you decide to go for your car loan deal the best place to start is to go online, the internet holds a vast amount of information about the different types of car loan deals that are available and also the best rates of interest or best offers at car dealerships.
about the author
louis rix is a director of netcars, one of the uk's leading motoring websites. first established in january 2000, its mission is to be the number one site for used car searches and motoring information. netcars also provide used cars, loans and insurance.
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punctured tires and lessons learned about paid links
posted by rebecca
my first triathlon was this past saturday (it was a sprint), and it didn't go so well. i figured there would be some way to use the experience as a lesson learned about seo, so i thought about it for a t and concluded that there is a lesson indeed, and it is about paid links. obviously, it's a loose tie-in, but whatever, i'm good at stretching ogies. anyway, if you're willing to humor me and my semi-topical post, read on. if not, brainstorm some questions to ask rand. :)saturday morning i woke up at 4:15 am (aka "the butt crack of dawn") to get prepared for my first triathlon. i have been training for a half ironman, but my trainer me to familiarize myself with the craziness of a triathlon so i signed up for a sprint. a sprint is a 400 meter swim, a 15 mile ke, and a 5k run (3.1 miles). i was a t nervous, especially about the open water swim, but i had done some lake swims and it was a short distance so i figured i'd do fine.
the race started and i did the swim portion. i had to catch my breath and collect myself halfway though the swim because there were quite a few people around me and i didn't want to freak out, but i did all right (i could have at least a minute off my swim time, but overall it wasn't too horrible). i ran out of the water, yanked off my swim cap, goggles (and yes, i initially typed "googles"), and suit, threw on my helmet, sungles, and ke shoes, grabbed my ke, and took off.
the ke was a leisurely 15 miles with one small hill climb. i say "leisurely" because a couple weeks ago i did a 52 mile ke ride, so compared to that 15 miles felt like a breeze. i ked out to the turnaround point and headed back. i looked at my watch and saw, to my excitet, that i was making decent time for my first ever race. only 3 miles to go, then a short 3 mile run and i'd be done. huzzzah!
my internal celebration was immediately sidelined when i heard a small but audible "pop!" i didn't think much of it--i figured i ran over something and made a crunching noise. no g deal. however, shortly after the mystery noise something didn't feel right. my ke sounded loud. really loud. the ride was no longer smooth--it felt like i was riding on a jack hammer. i rode for a t longer before deciding to stop. i clicked out of my pedals, turned around, and pushed down on the back tire. it squished under the pressing weight of my finger. i had a flat.
"no g deal," you're probably thinking, "just change it right quick and be on your way!" uhhhhh, yeah, that would have been the most feasible solution...except for i didn't have a spare tube with me, nor did i have a ke changing kit, nor do i even know how to change a tire. i had been meaning to attend a ke clinic and learn how to do it, but i just never got around to it, plus i told myself, "what are the chances, right?" well, just my luck--i ride for 3 1/2 hours with no problem two weeks ago, but the day where i'm participating in a timed event and going a whopping 15 miles, i get a flat with 3 miles to go. son of a tch.
i walked with my ke for several minutes before a friend of mine saw me and stopped. she had a spare tube and a ke kit...but she'd never really changed a tube, either. we fumbled with the back tire for about 20 minutes. my boyfriend rode up, stared at us awkwardly (no, he doesn't know anything about kes, either), gave us his extra tube as a backup, and rode off. the entire time i kept glancing at my watch, thinking, "i should be done with the race by now," and getting more irritated and frantic.
thankfully, a spunky little woman ran across the street wielding a ke pump. she lived nearby and saw two inept racers fumbling with a ke, so she decided to help out (and by "help out," i mean she totally pulled a nick burns, the company computer guy on me and said "mooove!" so she could work her magic). christy (aka the hero of the day) had done many triathlons and knew a thing or two about ke maintenance, so she swiftly took over and expertly changed the flat out for the spare tube...only to discover that the air valve on the tube was bent, so she had to change that one (good thing we had a backup tube for the backup tube). after a 30 to 40 minute delay, i was finally able to climb back on my ke and finish the final 3 miles. i transitioned as quickly as i could and hauled for 3.1 miles, fueled by rage and exasperation. i crossed the finish line in a measly 2:05. with the delay, it took me an hour and 26 minutes to ride 15 miles. if i hadn't gotten the flat, i would have finished in around 1:35 or better. for someone as stubborn as me, that's a hard fact to swallow.
"yeah, great," you're thinking, "you didn't know how to fix a flat so you screwed yourself over and finished with a crappy time. what does this have to do with seo?" well, i thought about how i had been doing so much training and figured the sprint would be a piece of cake. sure, i didn't know how to change a flat, but i had done a long- ride recently and had no problems whatsoever, so what's another 15 miles?
well, i thought about my situation from a paid links perspective. maybe you think you know a thing or two about seo--you have a website and you've read an seo blog here and there. you understand that you need links to your site, and you've heard that you can simply s out some cash and receive a large amount of links quickly and easily. "pretty sweet deal," you think to yourself, so you snatch up some links. they go under the radar of the scrutinizing search engines. you am thousands of links, hundreds of which are via paid means, and you've never been caught. this is your 52 mile ke ride. why should you worry about your website getting a flat tire (a flat tire in this instance being getting busted by search engines)? you haven't had any problems so far, and you think you know what you're doing, right?
one day, however, you're stunned to find that the latest small batch of paid links you've purchased got you thrown in the slammer. somehow these links didn't escape from the search engines' steely gaze like the other ones have. your site's been penalized. your rankings took a nosedive. your business suffers. you, my friend, got a flat tire, and now you're left standing by the side of the road looking like an idiot and not knowing what to do. guess you didn't know as much as you thought...
that's what happened to me, and i've seen the same thing happen to marketers. i got y. i mean, i know i'm no triathlon expert or anything, but the amount of knowledge and training i've built up over the past four months comned with the previously successful long rides i'd done made me think that the chances of some sort of mechanical hiccup happening to me would be low. similarly, a lot of marketers think, "hey, i already have a ton of paid links and the search engines haven't detected them, so what's a few more? what are the chances i'll get busted for this new batch?"
well, maybe you will and maybe you won't, but are you willing to take that risk? maybe i will get a flat and maybe my ride will be fine, but i've now learned that that's a risk i don't want to take. i also learned that i don't know as much as i think, which is why i'm attending a ke maintenance cl this week. the same goes for marketers--when you're stranded by the side of the road with a neutered site and useless links because the search engines lay the smack down on you, do you know what your next course of action is, or are you going to stand there awkwardly, not knowing what to do as your site loses conversions and business every day it's taking a rankings hit?
now, i'm not saying that all paid links are bad, contrary to what google may insist. i just caution that if you are going to dip your toes into the paid links pool and wish to test the waters, know full well what you're getting yourself into--be aware of the risks involved, have a strategy in place (e.g., make sure you have a high amount of naturally acquired links mixed in with a small amount of paid links, and naturally build your links vs. dramatically increasing them over a short period of time), and make sure you have your repair kit and tube on hand in case you do get nailed (remove the links, file a reconsideration request, grovel like you've never groveled before).
there you go--a weak ogy that compares getting a flat tire to getting busted for having paid links pointing to your site. i told you i could do it. now all i need to do is learn more about this crazy contraption called a cycle. in the meantime, i hope you learned something from my racing woes--if not, then at least i did. i'm already planning on doing another sprint triathlon (i'm dubng it my "redemption race"), and i'll certainly be more prepared for it. i hope that you're prepared for the risks involved with paid links--if not, then maybe you need to attend a maintenance clinic, too. :)
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