7 Tips to Prepare Your Vehicle for Winter

Windshield Wipers and Fluid – Fog, snow and rain will cut down your visibility in winter, causing you to use your wiper blades and washer fluid much more than normal. An antifreeze solution along with winter wiper blades will help to fight ice build-up. Keeping extra windshield washer solvent on hand is helpful too!

Battery – A thorough inspection of your battery, cables, terminals and fluid will help to make sure your car is ready for winter. The cold weather puts more stress on your battery. Many automotive parts stores will test your battery capacity free of charge.

Inspect Your Tires – If you’re not mounting winter tires on your vehicle, be sure to examine your current tires for remaining tread life, uneven wearing and cupping as well as checking the sidewalls for cuts and nicks to help you to know if your tires are ready for the harsh weather. The colder weather will also reduce the pressure within your tires, causing them to perform poorly in the snow. You should frequently check your tire pressures.

Coolant – Along with regulating the engine temperature, a vehicle’s coolant system is responsible for protecting your engine against corrosion. For the winter season you will want to make sure that you are using the right ratio of coolant to water in your system as well as using the right type of coolant for your car. If you are unsure, you can check the effectiveness of your coolant with a simple and inexpensive test found at any car parts store.

Ice scraper – Keep your ice scraper in your vehicle and always clean off your car completely, not just a little peephole in the windshield. You must be able to see all your surroundings, your side mirrors and through your back window. Snow on top of your car could slide down and cover your windshield while you are slowing down or fly off onto someone else’s vehicle while you are driving. In some states it is the law that your vehicle is clear of snow and ice.

Survival Kit – Especially during times of slick road conditions and below freezing temperatures, you will want to keep a survival kit in the car at all times in case of emergency. Some items to consider include extra gloves, boots and blankets, flares, tire chains, a flashlight and extra batteries, car charger or portable cellphone charger, and a whistle. Also check your spare tire and make sure that your car jack is in good, working condition.

Keep Your Gas Tank Above Half – If you get stuck or stranded, the car’s engine will be your only source of heat and you will want to be sure you have enough fuel to keep you warm. In some cases, it may be necessary to remove snow from behind the tailpipe and keep it unobstructed to prevent lethal gas from accumulating in the vehicle.

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Best Tips to Avoid Squandering Your Inheritance

When you receive an inheritance, it is important to figure out what will you do with that money. If you do not plan properly on how to spend that money, it will slip out of your hand within no time. If you have already got the cash, or you are about to inherit the money, here are some five tips for using it properly.

Don’t Rush Your Decision

People generally do not allow the money for a cooling-off period, after receiving the cash. This is one of the worst mistakes that people usually do. They are always in a hurry of spending the money without thinking twice. You can save the money either in a money market account or savings for at least two months in order to plan your options. You can also put the money into a short-term deposit for saving it, because you have to pay penalty if you withdraw it before time.

Assess Where You Are

If you analyse your present financial situation, you can get an idea about your future move. You can plan to start a college fund for your children, add the money to your retirement savings or keep it as an emergency fund. Make a goal in life, so that you can achieve it with the help of your inheritance.

Be Realistic About Your Inheritance

A sudden chunk of money will you lead to towards a changed lifestyle. The things like a new car or a luxury vacation that you could not afford before will now seem to be very tempting. You have to be careful to control your temptation and save your money for future needs.

Establish Boundaries

It is evident that when you receive an inheritance, many people come with a try to have a share in the money. Bank or financial sales people may call you so that you invest your money in their products. You may also be asked to make a huge donation by any charitable organisation. So, it is very important to set boundaries and prepare yourself for saying no to the people.

Be Proactive

You may need some professional help to figure out how to save your inheritance. It is absolutely fine to hire a financial advisor, but do not make your decision solely as per his guidance. In the end, it will be you who will take the final decision. Do some research and set your goals before taking professional’s help.

Thus, though an inheritance is like a blessing to you, but along with it comes responsibility. Plan properly to make sure that your money lasts for a longer time.

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Why You Should Buy Sarees Online

Probably one of the biggest ceremonies in India is traditional Indian weddings. And if it’s traditional, it has to be saree. Indian women look beautiful in sarees. Indian women and sarees- they always go hand in hand and are absolutely inseparable from each other. Since the time the civilization happened, sarees has always been one of the most beautiful and precious ornament that enhances the beauty of a woman. It’s the 6 yard long fabric which makes you a complete woman.

Unfortunately, buying a beautiful saree for an event or wedding is not easy. You must have encountered a situation when you were looking for a beautiful saree for a wedding and ended up wasting a lot of time and energy by going here and there, and yet you failed to find a lovely saree. However, things have now changed a bit. Buying a saree is no more a difficult task. Thanks to the DIGITAL TECHNOLOGY!! You can now buy a saree online from the comfort of your home. You just need the best gadgets to access the ecommerce sites online.

Have a look at the following reasons why more and more people are looking for an online saree store:-

1. It Saves Your Valuable Time

The very obvious reason why more and more people are buying shopping online is because it saves their valuable time. When you have a tight schedule all the week, it becomes difficult to take out time from your schedule and spend few hours in buying a beautiful saree which you will wear on a special occasion.

And this is exactly why online shopping is in trend. It will not only help your time by receiving a home delivery, but they also offer excellent discounts on brands. You won’t have to leave your home for shopping. You can always do some window shopping online whenever you get time.

2. Trendy Clothes

Before the trendy sarees come in the market, you can find the same in a digital store. Yes, this is the place where you can find the latest fashion. Do you need any other reason why you should buy saree online in India? Well, we have some more.

3. Of course, CONVENIENCE

When you have decided to buy a saree online, you have opened the doors of comfort and convenience which helps you to buy the same anytime you want. You don’t need to go from one shop to other, and you can easily place the order either from your home or your office. Now, you don’t really need to struggle hard in finding a gorgeous muslin saree.

4. 24/7 Stores

One of the best features of the online store is that they will always remain open i.e. 24/7 available to assist you all the help whatever required unlike the stores in the market which closes quickly after a specific time. Whenever you get some free time, you can always do online shopping. Now time won’t have the strength to bind you if you want to buy gujrati handloom saree at 2.am. Isn’t that great?

5. Price Comparison

You always have the option to check the price of sarees in different online store, do a quick comparison between both of them and buy the best one at the cheapest price. You don’t need to be in hurry. Take some time to decide, read all the features, as there won’t be any sales person selling the product to you. It’s your choice.
Top 3 Wedding Sarees You Can Buy Online

JAMDANI COTTON SAREE

Jamdani sarees are beautiful. They are very popular among Bengali women. It’s the beautiful fabric in colorful shades which makes this saree more popular. You can get this saree at a much cheaper price in the online store, and not any Jamdani cotton saree store.

SILK SAREE

This is a kind of saree which is prefereed by classy women. It makes you look modern and classy at the same time. When you are looking for a silk saree, always look for some bright colors i.e. green, blue, orange, purple. They are beautiful.

Aplick Work Saree Online

In few parts of India, this saree is popular and it’s quite expensive if you buy it from a local saree store. They are the perfect option of office wear. You can find these sarees in different colors, patterns and designs.

Before buying sarees online, you should visit the websites and read the customer reviews/testimonials to find the reality. All the reviews you read will give you an idea about the online store. If the customers are happy and satisfied, they will share a good review. It will also help you know the authenticity of the company. There are many other aspects you need to keep in mind when you are shopping online:-

• Choose the most reputed and established online saree merchants because they will have excellent shopping sites. They will also describe about the saree i.e. fabric, colors used in the saree, enlargement of the saree and blouse both.

• They are also very quick when it comes to delivering the product and most of the times, they won’t charge a single penny for the delivery. It will be absolutely free.

• Online stores also offer great discounts during the festivals so that buyers can shop more when the prices are decreased.

• Online stores offers the latest trends and therefore it will be a great choice for you.

Finally, where should you go? You always have the option to buy from a local store or shop online. When you are looking for a saree online, you should also select the fabric which will make your search easier. Simply go through all the options, and choose the one which will make you look beautiful.

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Are Travel Agents Old School?

It appears you can’t stare at the TV for 60 minutes without seeing a notice with William Shatner discussing Travelocity or that senseless dwarf discussing Orbitz. These travel sites have been extremely effective at encouraging voyagers to book their own particular carrier and lodging reservations on the web. So with this colossal push from the web to assume control over the travel business, one needs to ask, “Are travel agents old school?”

In the event that you have searched for some of these travel web sites, you have watched that they are stunning in the assorted qualities of travel choices that they make accessible. As a business traveler, be that as it may, your requirements are fairly unique in relation to the run of the mill aircraft traveler.

There are some certain administrations and genuine help that a living and breathing travel agent can give that basically can’t be duplicated by a computerized site like Travelocity or Orbitz. Some of those administrations that a prepared business traveler would be unable to live without having…

A Travel Agent will give you…

– Focus. You as a business traveler are not orchestrating this excursion for excitement. You have particular business goals as a main priority. So on the off chance that you should remove time from planning for your business assignment to stress over travel agendas, lodging and rental auto reservations and so forth, that is time that you are not being beneficial for your business.

When you get the chance that you can call a skilled travel agent who knows your travel profile well and delegate those courses of action to that agent, they carry out their occupation in finding only the right facilities for you and you are liberated to do what you excel at, spotlight on your business and the up and coming business trip.

– Economy. It is hard to find that harmony between finding the housing that fit the requesting timetable of a businessman out and about and is conscious of the organizations travel spending plan too.

On the off chance that you utilize a computerized online travel administration, you may need to relinquish accommodation, timetable or area for economy.

A decent travel agent will endeavor to get you the right schedule while getting as close the corporate travel cost confinements as would be prudent. Furthermore, they will do it without taking up a considerable measure of your time.

– Back up. You needn’t bother with help if your excursion goes totally as arranged. Be that as it may, in the event that you experience issues out and about, you can wind up in need or rescheduling flights and finding new lodging to work around scratched off flights, climate issues or other surprising intrusions to your arrangements.

These travel debacles are not aware of your tight due dates to meet your business objectives. In any case, you have a travel agent who is committed to giving you administration, he or she can locate those option courses and assets to do whatever they can to get you to your destination so you can direct your business on time.

– That individual touch. You may have travel inclinations that you need to accomplish with every outing you take. A travel agent has your profile and your travel history so they can do what they can to suit your inclinations.

Yet, in addition, when you have particular unique needs, for example, an eating regimen constraint or a requirement for convenience because of an inability, it will be a travel agent that sees to it that your needs are accommodated and you are well dealt with out and about.

– No Complications. In the event that your travel agenda includes making associations with different business accomplices who are going from various workplaces, complex travel calendars and schedule challenges that just can’t be depicted to the nonexclusive screens of an online travel administration, you can disclose these inconveniences to your travel agent and they can work with other travel agents attempting to arrange the meeting and see to it that your agenda meets your prerequisites.

While the online travel administrations do give a profitable and moderate other option to the general voyaging open, it is anything but difficult to see their confinements on the off chance that you are attempting to book a trek that is dubious or in the event that you have particular needs that the screens don’t suspect.

That is the reason working with a human travel agent ensures that this travel proficient person will devote themselves to the assignment of ensuring your excursion attempts to your details and that you get to your destination prepared to lead in business and be fruitful in your accomplishing your objectives.

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6 Types of Rolling Contact Bearings

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Growth Consultant: Giving New Direction To Your Business!

Earning substantial profit is the main objective of every business and for this it is imperative that your business grows in significant direction keeping pace with changing scenario. Because, if a businessmen continues to follow conventional methods of conducting business he might not be able to stay even in competition with his contenders and may lag in competition.

For the continuous growth of business it is indispensable to keep a strict eye on every change taking place across the business world. The relevance of keeping an eye on changing scenario increases more today’s age because today as an impact of globalization business operators are blessed with vast opportunities of exploring their business throughout the world in short span of time.

Days have gone back when business operators centralized their activities within a limited region, but now the time has arrived when they need to move ahead by eliminating cultural and demographic traits and transfer their orthodox business model into customer centric, best in its segment, broadening potentials of growth with feasible profits from business.

To assist the business owners in moving their business according to changing environment, growth consultants can play an incredible role in getting the infrastructure of their business keep changing in accordance to global market.

The growth consultants provide their expert advice and suggestions to business groups and may even help them in getting those suggestions implemented in organization in determined strategy. These consultants make business operators understand the drawbacks of orthodox business concepts and make them realize the changing role of not so recognized sections like women and youth in growth of an organization. They make business owners understand the contribution which they can make in exploring their business.

Moving ahead they also make them realize the changing nature of consumer behavior and how they can succeed in offering varied services and products to their multicultural consumers located in different regions of world.

The consultants of growth help business groups in:

1. Re-evaluating the core targets and models of their business

2. Identifying the gaps in their value delivery systems

3. Make them understand whether their strategies of VP communication are misfiring or not;

4. Generating the identity of their brand in accordance with values, beliefs and strengths of new worlds market place (NWMP)

5. Selecting and strengthening their value propositions and competitive differences

But sharing business details with an unknown person is not an easy task for any business operators and therefore it is necessary to get assured that information shared with consultant will stay restricted only with him and not affected by any kind of elusion. The selection of growth consultant should be done after proper research about his past experiences and knowledge.

As a general practice need of a growth consultant is felt when:

1. Growth of your business has stagnated

2. You are not able to make appropriate use of the available sources

3. When you are speculating to introduce a new initiative in market

How do growth consultants assist the business groups?

The growth consultants conduct an intensive study of every aspect related with your business on your behalf and then point out the pros and cons of your business comparing with your contenders.

After analyzing your business they find potentials of your growth keeping the changing atmosphere and making system approach for your business according to recent trends. They also help you in assessing the results and difference in your business after implementation of their recommendations. This strategy will help you in achieving desired success in your business in appropriate direction.

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Must-Know Facts About Armored Recovery Vehicles

Various kinds of military vehicles are used in used in war-torn areas or places where conflicts are present and continuous. One of the most common types of specialized vehicles you will see in such areas are armored recovery vehicles.

An armored recovery vehicle, also known as Armoredownload-12d Repair and Recovery Vehicle or ARRV, has the primary purpose of recovering and/or repairing damaged or inoperable vehicles right in the battle field.

These specialized vehicles were first called Salvage tanks during World War I. It was only during the Second World War that people began calling them recovery vehicles.

The earliest versions of these vehicles were usually equipped with repair tools or with winches of heavy-duty to release the stuck vehicles. However, the latter generations or newer models were outfitted with a type of crane attached to the A-frame – a feature which could perform the task of lifting heavy parts from disabled vehicles, such as the engine. In addition, during the post-war period, various great alterations and improvements were made in these vehicles. Some of these capabilities include the improved ability of these vehicles to carry an extra engine to replace a non-working on the field and fuel pumps which allow the easy transfer of fuel. They can also carry anchors which can be utilized as stabilizers in heavy lifting situations.

In the past, recovery vehicles were usually derived from battle tanks of other armored fighting vehicles. Today, most manufacturers build them from the same type of material or vehicle they will most likely or frequently recover on the war field.

Although recovery vehicles are one of the sturdiest and strongest specialized vehicles around, they also have limitations. In cases where the work of a recovery vehicle is not possible anymore, tank transporters will have to be used. Tank transporters have the mission of transporting the tanks on the war field for longer distances, to reduce road damage, save fuel, or to recover them from the war field. Certain types or models of tank transporters are equipped with special protection, in case they have to make their way up to the first line.

Armored recovery vehicles are important types of specialized vehicles to have and use where fighting, especially with the use of artillery, is consistently present. To make sure that you can make the most of your vehicles and that the operator and passengers will be safe during transport, make sure that you purchase them only from a well-known and trusted automotive manufacturing company.

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How Being Authentic Will Help Your Network Marketing Career

People can see through smoke and mirrors. Maybe it was different in years past but these days people are very smart. In this article, we are going to talk about how being authentic will help your network marketing career.

Let me first let you know that being authentic to me does not mean that you share all of your business with the world. Being authentic means being in line with whatever message it is that you are sharing. If you are talking about financial freedom and you don’t have it, you should be talking about how you are working toward it and what you are learning instead of trying to make people think that you already have it.

One of the things I remind myself and teach to my team is that the truth is good enough. Maybe we are not impressed with the success that we have so far but it could be just what the person we are talking to needs to hear.

When I am talking about success, I don’t even necessarily mean monetary success levels, it can even mean that you’ve enrolled one person or got one customer. Whatever your story is, you have to be good with your story and be authentic. This does not mean that you tell the world all of your problems. People don’t need to hear all of that. You can give your story after you’ve gotten through your challenge. When was the last time people were inspired by a rags to rags story?

When you are talking to people just connect with another human being and be genuine in your writing and any other communications as well. The more that you do this, the more people will know, like and trust you. We all know that these are the people that we love to do business with and that is how your business will be helped by being authentic.

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The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

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The Obstacles Home Business Owners Face When They Start A Home Business

If you have made up your mind and you are 100% certain about starting a home business, then you might have in mind what product or service you want to market. You should also know that for the first two years you will be devoted to making your business grow. If you are willing to take a huge risk such as this, you will need to be motivated, determined and confident. There are numerous obstacles that you could run into if you don’t take the necessary precautions.

To work your way through the start-up of your business you will need to take the following steps

SWOT analysis (Strengths, Weaknesses, Opportunities and Threats). By knowing and using this method, you will be aware of what competition you are facing, where your business can grow, and you will get a better understanding of the business market.

Form a business plan. Forming a business plan can be overwhelming and slightly confusing. A business plan should include the audience that will be looking at your plan, an outline of the business plan, a collection of research and data, a general abstract of the market, an inquiry profile, finances, and finally the executive summary.
Funds for the business startup. Do you have the resources needed to start the business or do you need to find the money or money lender?

Naming your business. What will be the name of your business? This is a crucial and significantly important element.

Electing your business structure. Sometimes people get confused due to the business types. You will need to elect the right business partners. The choice you make will cause an impact on your business.

The license and permit. This entails registering your business, you might also need a business identification number, and may also include other tax licenses and zoning permits.

The location. This step also entails many minor tasks such as finding the right location for your business, buying office supplies and equipment and designing your business place.

The insurance. You are responsible for any risks associated to your business. Getting a business insurance will protect your office of any disasters or litigations that could occur.

Lastly, create an accounting system. Many individuals that want to start their own business tend to fail because they get caught up with location and buying supplies and other details that they forget to keep an account of money going in and out. A good option would be to hire a professional accountant that will keep track of the businesses finances.

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