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Car importers know that car auctions in Japan are a great place to find low mileage, high quality used cars at good prices. My aim in this article is to help you understand these car auctions in Japan better so that you can make a good, informed decision about whether to buy from them or not, and how the whole process works.

Why consider buying from Japanese car auctions?

This is a good place to start. After all, right now where you sit reading this article is probably many thousands of miles away from Japan. So why would you want to import cars from a country so far away?

There are two excellent reasons to consider buying cars from used car auctions in Japan.

First of all, the selection is immense and you can view all these cars remotely online. Auto auctions outside Japan may typically have a few hundred used vehicles, but only the tiniest auction in Japan would have such a pitiful selection.

In terms of individual auction locations, we are usually talking about over 1,000 cars per location, and sometimes over 10,000 cars (in the case of USS Tokyo) all in one place and being auctioned there weekly. Put all these individual car auctions together on the Internet, and over 30,000 on a single day is really not at all unusual.

So there is a huge breadth of choice. But that is not all. There is also a great depth of quality. The fact is that Japanese people just do not drive as much as people in other countries. An excellent public transport system and high levels of neighborhood walkability, in addition to the simple fact that urban driving speeds in Japan are incredibly low, all works together to keep people from using their cars very much.

Then on top of this the Japanese are fastidious in caring for their vehicles and yet it does not take long before the car they have seems old to them and they want a new one.

So, cars that are low mileage and well maintained are a dime a dozen. But the ironic thing is that the Japanese themselves are really not into secondhand items, so they don’t really want these used cars for themselves.

You can see where this is going: The car auctions in Japan have a great selection of great condition, low kilometer cars, but the Japanese people are really not that interested in buying them, so prices are relatively low and there is all the more opportunity for buyers from outside Japan to compete.

Car auction groups and locations in Japan

In Japan individual auctions are rare. They are usually part of a larger auction group. Here are just some of the more prominent groups:

• USS
• TAA (Toyota)
• Honda
• JU
• JAA
• CAA

USS Tokyo is the largest single used car auction location in Japan. This car auction runs once a week on Thursdays, and at peak season can have up to 20,000 vehicles all being auctioned on one day.

One auction group that does not have multiple auction locations (called kaijo in Japanese) is Aucnet, who hold their auctions on Mondays. Their model is a little different in that they do not have a physical auction house where all the cars are gathered.

Instead, they send out inspectors to car dealers who then keep their cars on their lots until they are sold. Since these dealers are still hoping to sell to a regular consumer at retail price, their reserve price at auction is often a little high compared with what a similar car might fetch at a regular auction.

How can you access the car auctions in Japan?

So far, so good. But wait a minute: How on earth are you going to be able to get a car from some used car auction way over there in Japan? You don’t know anyone there. You don’t speak Japanese. Even if you could buy the car, how would you ship it?

You need a Japanese car exporter to help you with this one.

Car exporters in Japan are set up to handle the process of bidding at the Japanese car auctions, transporting the car from the auction to the port, doing the paperwork and shipping the car over to you.

There are many car exporters shipping used vehicles from Japan, so this then begs the question of how you find yourself a good one. After all, we are not talking about trivial sums of money here, so it is vital you find one who is going to do a good job for you.

Here are some things to look for:

• How many auctions can you buy from, and can you access them all from one place online?
• Can you deal with a native English speaker who is also fluent in Japanese? (Nothing is more stressful than trying to overcome language barriers.)
• Does this exporter offer professional translations of the car auction inspector’s reports and help you really understand the condition of the cars in the auction?
• Does the exporter in Japan have good communication skills, keeping you in the loop about what is happening with your vehicles so you don’t worry?
• Does the exporter work hard to ensure your cars get to you from the car auction in Japan as quickly as possible?

Who will bid for you at these car auctions in Japan?

In order to buy from a car auction in Japan, the first thing you need is to be a member of that auction.

This usually entails being a registered business in Japan as well as having property as collateral and having a guarantor. This precludes regular consumers accessing these car auctions directly, so they tend to be a place where Japanese car dealers and Japanese car exporters buy at wholesale prices.

Japanese car exporters are usually registered Japanese companies and therefore have access to the car auctions in Japan.

Japanese car auction vehicle inspections

Car auctions in Japan have a strict inspection regime. Obviously the quality of the inspection can vary a little between auction houses since they are independent companies, but in general the grading system they use is very similar and easy to understand.

The cars and other vehicles are registered for the following week’s auction, after which they are inspected by inspectors who are qualified mechanics.

Now, it is important to bear in mind that these inspections are very thorough, but they do not involve any dismantling of the vehicle, nor do they involve test-driving it. They will often pick up mechanical issues very well, although problems which would only come to light if the vehicle is driven at anything more than the kind of speed you would expect in a parking lot can be missed. This is no fault of the inspectors, just a limitation of an inspection that does not involve a road test.

The inspector writes his report on an auction sheet. He gives the car an overall grading as well as a grading of the interior quality. He also writes details of issues that he has found. Some comments he writes in Japanese, and then issues like scratches and dents that relate to the car’s exterior condition, he writes on the “car map” – a diagram of the exterior of the car.

Remember you should not need to just rely on the overall grading when buying from Japanese car auctions: A good car exporter should give you detailed translations and help you understand what the Japanese car auction inspector has written on his report.

How does bidding work in these car auctions in Japan?

As we have noted above, only members of these auto auctions can actually bid. They do so in two ways: Either at the auction location (kaijo) itself, or online from anywhere.

The computer bidding system is the same whether bidding at the auction house on one of their machines or remotely online.

Bidding is very fast. Generally a car will be sold in anything from 10 to 45 seconds or so. The actual process may just look like pressing a button in a video game, but there is a real art to doing it right to avoid paying too much for a car – or equally letting it get away by holding back too much.

Sometimes cars will fail to meet their reserve price and bidding is stopped. It is then possible to make offers to the seller under the auspices of the car auction. Fewer cars sell in negotiation like this than are sold in live bidding. A good Japanese car exporter will handle the process of live bidding and negotiation seamlessly to get the best deals for his customers.

What happens after the car is won at auction?

After a car is bought at a Japanese car auction, the first thing that happens is that it is moved by car transporter to the port. Once at the port, the car waits to be loaded onto a RORO ship, or waits to be loaded into a container.

While the car is in transit from the auction, the car exporter will immediately start looking for bookings on the earliest ship, as well as doing paperwork to de-register the car and pass it through Japan-side customs.

Once on a ship, the car will take anything from a few days to over a month to reach its destination. This is mainly dependent on the distance of the destination country from Japan.

The car exporter will send the end customer the Bill of Lading, invoices, the de-registration document and any other documents that the customer requires for importing the car into his or her country. These import regulations vary from country to country so it is vital to check them before buying anything.

Conclusion

Car auctions in Japan can be a great place for car dealers and car importers around the world to find really good quality used vehicles at lower prices than they would expect to be able to find locally. The huge numbers of used cars in the Japanese car auctions that can be viewed online is another great plus.

The key to doing this successfully is to find a top-notch Japanese car exporter who both can communicate well, and also steer you safely through the process of buying from the car auctions in Japan.

If you enjoyed this article and would like to learn more, I have a huge amount of in-depth articles and videos covering every aspect of buying from the car auctions in Japan, including details about Japanese car auction inspections on my company website.

About the Expert Author

Stephen Munday has 12 years experience living and working in Japan, including 5 years buying from car auctions in Japan for customers around the world. His company, Integrity Exports, was set up with the goal of making buying from Japanese car auctions a stress-free and smooth experience.

This article is (c) Stephen Munday 2011. Permission is only given to reproduce this article in full with the URLs correctly hyperlinked and with the authorship and copyright correctly attributed.

Market Overview

The car rental industry is a multi-billion dollar sector of the US economy. The US segment of the industry averages about $18.5 billion in revenue a year. Today, there are approximately 1.9 million rental vehicles that service the US segment of the market. In addition, there are many rental agencies besides the industry leaders that subdivide the total revenue, namely Dollar Thrifty, Budget and Vanguard. Unlike other mature service industries, the rental car industry is highly consolidated which naturally puts potential new comers at a cost-disadvantage since they face high input costs with reduced possibility of economies of scale. Moreover, most of the profit is generated by a few firms including Enterprise, Hertz and Avis. For the fiscal year of 2004, Enterprise generated $7.4 billion in total revenue. Hertz came in second position with about $5.2 billion and Avis with $2.97 in revenue.

Level of Integration

The rental car industry faces a completely different environment than it did five years ago. According to Business Travel News, vehicles are being rented until they have accumulated 20,000 to 30,000 miles until they are relegated to the used car industry whereas the turn-around mileage was 12,000 to 15,000 miles five years ago. Because of slow industry growth and narrow profit margin, there is no imminent threat to backward integration within the industry. In fact, among the industry players only Hertz is vertically integrated through Ford.

Scope of Competition

There are many factors that shape the competitive landscape of the car rental industry. Competition comes from two main sources throughout the chain. On the vacation consumer’s end of the spectrum, competition is fierce not only because the market is saturated and well guarded by industry leader Enterprise, but competitors operate at a cost disadvantage along with smaller market shares since Enterprise has established a network of dealers over 90 percent the leisure segment. On the corporate segment, on the other hand, competition is very strong at the airports since that segment is under tight supervision by Hertz. Because the industry underwent a massive economic downfall in recent years, it has upgraded the scale of competition within most of the companies that survived. Competitively speaking, the rental car industry is a war-zone as most rental agencies including Enterprise, Hertz and Avis among the major players engage in a battle of the fittest.

Growth

Over the past five years, most firms have been working towards enhancing their fleet sizes and increasing the level of profitability. Enterprise currently the company with the largest fleet in the US has added 75,000 vehicles to its fleet since 2002 which help increase its number of facilities to 170 at the airports. Hertz, on the other hand, has added 25,000 vehicles and broadened its international presence in 150 counties as opposed to 140 in 2002. In addition, Avis has increased its fleet from 210,000 in 2002 to 220,000 despite recent economic adversities. Over the years following the economic downturn, although most companies throughout the industry were struggling, Enterprise among the industry leaders had been growing steadily. For example, annual sales reached $6.3 in 2001, $6.5 in 2002, $6.9 in 2003 and $7.4 billion in 2004 which translated into a growth rate of 7.2 percent a year for the past four years. Since 2002, the industry has started to regain its footing in the sector as overall sales grew from $17.9 billion to $18.2 billion in 2003. According to industry analysts, the better days of the rental car industry have yet to come. Over the course of the next several years, the industry is expected to experience accelerated growth valued at $20.89 billion each year following 2008 “which equates to a CAGR of 2.7 % [increase] in the 2003-2008 period.”

Distribution

Over the past few years the rental car industry has made a great deal of progress to facilitate it distribution processes. Today, there are approximately 19,000 rental locations yielding about 1.9 million rental cars in the US. Because of the increasingly abundant number of car rental locations in the US, strategic and tactical approaches are taken into account in order to insure proper distribution throughout the industry. Distribution takes place within two interrelated segments. On the corporate market, the cars are distributed to airports and hotel surroundings. On the leisure segment, on the other hand, cars are distributed to agency owned facilities that are conveniently located within most major roads and metropolitan areas.

In the past, managers of rental car companies used to rely on gut-feelings or intuitive guesses to make decisions about how many cars to have in a particular fleet or the utilization level and performance standards of keeping certain cars in one fleet. With that methodology, it was very difficult to maintain a level of balance that would satisfy consumer demand and the desired level of profitability. The distribution process is fairly simple throughout the industry. To begin with, managers must determine the number of cars that must be on inventory on a daily basis. Because a very noticeable problem arises when too many or not enough cars are available, most car rental companies including Hertz, Enterprise and Avis, use a “pool” which is a group of independent rental facilities that share a fleet of vehicles. Basically, with the pools in place, rental locations operate more efficiently since they reduce the risk of low inventory if not eliminate rental car shortages.

Market Segmentation

Most companies throughout the chain make a profit based of the type of cars that are rented. The rental cars are categorized into economy, compact, intermediate, premium and luxury. Among the five categories, the economy sector yields the most profit. For instance, the economy segment by itself is responsible for 37.7 percent of the total market revenue in 2004. In addition, the compact segment accounted for 32.3 percent of overall revenue. The rest of the other categories covers the remaining 30 percent for the US segment.

Historical Levels of Profitability

The overall profitability of the car rental industry has been shrinking in recent years. Over the past five years, the industry has been struggling just like the rest of the travel industry. In fact, between the years 2001 and 2003 the US market has experienced a moderate reduction in the level of profitability. Specifically, revenue fell from $19.4 billion in 2000 to $18.2 billion in 2001. Subsequently, the overall industry revenue eroded further to $17.9 billion in 2002; an amount that is minimally higher than $17.7 billion which is the overall revenue for the year 1999. In 2003, the industry experienced a barely noticeable increase which brought profit to $18.2 billion. As a result of the economic downturn in recent years, some of the smaller players that were highly dependent on the airline industry have done a great deal of strategy realignments as a way of preparing their companies to cope with eventual economic adversities that may surround the industry. For the year 2004, on the other hand, the economic situation of most firms have gradually improved throughout the industry since most rental agencies have returned far greater profits relative to the anterior years. For instance, Enterprise realized revenues of $7.4 billion; Hertz returned revenues of $5.2 billion and Avis with $2.9 billion in revenue for the fiscal year of 2004. According to industry analysts, the rental car industry is expected to experience steady growth of 2.6 percent in revenue over the next several years which translates into an increase in profit.

Competitive Rivalry Among Sellers

There are many factors that drive competition within the car rental industry. Over the past few years, broadening fleet sizes and increasing profitability has been the focus of most companies within the car rental industry. Enterprise, Hertz and Avis among the leaders have been growing both in sales and fleet sizes. In addition, competition intensifies as firms are constantly trying to improve their current conditions and offer more to consumers. Enterprise has nearly doubled its fleet size since 1993 to approximately 600,000 cars today. Because the industry operates on such narrow profit margins, price competition is not a factor; however, most companies are actively involved in creating values and providing a range of amenities from technological gadgets to even free rental to satisfy customers. Hertz, for example, integrates its Never-Lost GPS system within its cars. Enterprise, on the other hand, uses sophisticated yield management software to manage its fleets.

Finally, Avis uses its OnStar and Skynet system to better serve the consumer base and offers free weekend rental if a customer rents a car for five consecutive days Moreover, the consumer base of the rental car industry has relatively low to no switching cost. Conversely, rental agencies face high fixed operating costs including property rental, insurance and maintenance. Consequently, rental agencies are sensitively pricing there rental cars just to recover operating costs and adequately meet their customers demands. Furthermore, because the industry experienced slow growth in recent years due to economic stagnation that resulted in a massive decline in both corporate travel and the leisure sector, most companies including the industry leaders are aggressively trying to reposition their firms by gradually lessening the dependency level on the airline industry and regaining their footing in the leisure competitive arena.

The Potential Entry of new Competitors

Entering the car rental industry puts new comers at a serious disadvantage. Over the past few years following the economic downturn of 2001, most major rental companies have started increasing their market shares in the vacation sector of the industry as a way of insuring stability and lowering the level of dependency between the airline and the car rental industry. While this trend has engendered long term success for the existing firms, it has heightened the competitive landscape for new comers. Because of the severity of competition, existing firms such as Enterprise, Hertz and Avis carefully monitor their competitive radars to anticipate Sharpe retaliatory strikes against new entrants. Another barrier to entry is created because of the saturation level of the industry.

For example, Enterprise has taken the first mover advantage with its 6000 facilities by saturating the leisure segment thereby placing not only high restrictions on the most common distribution channels, but also high resource requirements for new firms. Today, Enterprise has a rental location within 15 miles of 90 percent of the US population. Because of the network of dealers Enterprise has established around the nation, it has become relatively stable, more recession proof and most importantly, less reliant on the airline industry compared to its competitors. Hertz, on the other hand, is utilizing the full spectrum of its 7200 stores to secure its position in the marketplace. Basically, the emergence of most of the industry leaders into the leisure market not only drives rivalry, but also it varies directly with the level of complexity of entering the car rental industry.

The Threat of Substitute

There are many substitutes available for the car rental industry. From a technological standpoint, renting a car to go the distance for a meeting is a less attractive alternative as opposed to video conferencing, virtual teams and collaboration software with which a company can immediately setup a meeting with its employees from anywhere around the world at a cheaper cost. In addition, there are other alternatives including taking a cab which is a satisfactory substitute relative to quality and switching cost, but it may not be as attractively priced as a rental car for the course of a day or more. While public transportation is the most cost efficient of the alternatives, it is more costly in terms of the process and time it takes to reach one’s destination. Finally, because flying offers convenience, speed and performance, it is a very enticing substitute; however, it is an unattractive alternative in terms of price relative to renting a car. On the business segment, car rental agencies have more protection against substitutes since many companies have implemented travel policies that establish the parameters of when renting a car or using a substitute is the best course of action.

According to Tracy Esch, an Advantage director of marketing operations, her company rents cars up to a 200-mile trip before considering an alternative. Basically, the threat of substitute is reasonably low in the car rental industry since the effects the substitute products have do not pose a significant threat of profit erosion throughout the industry.

The Bargaining Power of Suppliers

Supplier power is low in the car rental industry. Because of the availability of substitutes and the level of competition, suppliers do not have a great deal of influence in the terms and conditions of supplying the rental cars. Because the rental cars are usually purchased in bulk, rental car agents have significant influence over the terms of the sale since they possess the ability to play one supplier against another to lower the sales price. Another factor that reduces supplier power is the absence of switching cost. That is, buyers are not affected from purchasing from one supplier over another and most importantly, changing to different supplier’s products is barely noticeable and does not affect consumer’s rental choices.

The Bargaining Power of Buyers

While the leisure sector has little or no power, the business segment possesses a significant amount of influence in the car rental industry. An interesting trend that is currently underway throughout the industry is forcing car rental companies to adapt to the needs of corporate travelers. This trend significantly reduces supplier power or the rental firms’ power and increases corporate buyer power since the business segment is excruciatingly price sensitive, well informed about the industry’s price structure, purchase in larger quantities and they use the internet to force lower prices. Vacation buyers, on the other hand, have less influence over the rental terms. Because vacationers are usually less price sensitive, purchase in lesser amounts or purchase more infrequently, they have weak bargaining power.

Five Forces

Today the car rental industry is facing a completely different environment than it did five years ago. Competitively speaking, the revolution of the five forces around the car rental industry exerts some strong economic pressure that has significantly tarnished the competitive attractiveness of the industry. As a result of the economic downturn in recent years, many companies went under namely Budget and the Vanguard Group because their business infrastructure succumbed to the untenability of the competitive environment. Today, very few firms including Enterprise, Hertz and Avis return a slightly above-average revenue compared to the rest of the industry. Realistically speaking, the car rental sector is not a very attractive industry because of the level of competition, the barriers to entry and the competitive pressure from the substitute firms.

Strategic Group Mapping

As a moderately concentrated sector, there is a clear hierarchy in the car rental industry. From an economic standpoint, disparities exist from a number of dimensions including revenue, fleet size and the market size each firm holds in the market place. For instance, Enterprise dominates the industry with a fleet size of approximately 600,000 vehicles along with its market size and its level of profitability. Hertz comes in second position with its number of market shares and fleet volume. In addition, Avis ranks third on the map. Avis is among one of the companies that is having issues recovering its revenue margins from prior to the economic downturn. For instance, in 2000 Avis returned revenues of approximately $4.23 billion. Over the course of the next several years following 2000, the revenue of Avis has been significantly lower than that of 2000. As a way of reducing uncertainty most companies are gradually lessening the level of dependency on the airline industry and emerging the leisure market. This trend may not be in the best interest of Hertz since its business strategy is intricately linked to the airports.

Key Success Factors

There are many key success factors that drive profitability throughout the car rental industry. Capacity utilization is one of the factors that determines success in the industry. Because rental firms experience loss of revenue when there are either too few or too many cars sitting in their lots, it is of paramount importance to efficiently manage the fleets. This success factor represents a big strength for the industry since it lowers if not completely eliminates the possibly of running short on rental cars. Efficient distribution is another factor that keeps the industry profitable. Despite the positive relationship between fleet sizes and the level of profitability, firms are constantly growing their fleet sizes because of the competitive forces that surround the industry. In addition, convenience is one of the crucial attributes by which consumers select rental firms. That is, car rental consumers are more prone to renting cars from firms that have convenient rental and drop off locations. Another key success factor that is common among competing firms is the integration of technology in their business processes. Through technology, for instance, the car rental companies create ways to meet consumer demand by making renting a car a very agreeable ordeal by adding the convenience of online rental among other alternatives. Furthermore, firms have integrated navigation systems along with roadside assistance to offer customers the piece of mind when renting cars.

Industry Attractiveness

There are many factors that impact the attractiveness of the car rental industry. Because the industry is moderately concentrated, it puts new market entrants at a disadvantage. That is, its low concentration represents a natural barrier to entering the industry as it allows existing firm to anticipate sharp retaliations against new entrants. Because of the risks associated with entering the industry among other factors, it is not a very attractive sector of the marketplace. From a competitive standpoint, the leisure market is 90 percent saturated because of the active efforts of Enterprise to dominate this sector of the market. On the other hand, the airport terminals are heavily guarded by Hertz. Realistically speaking, entry in the industry offers low profitability relative to the costs and risks associated. For most consumers, the main determining factors of choosing one company over another are price and convenience. Because of this reason, rental firms are very circumspect about setting their rates and that generally force even the industry major players in the position of offering more to the consumers for less just to remain competitive. Hertz, for example, offers wireless internet to its customers just to add more convenience to their travel plans. Avis on the other hand, offers free weekend specials if a customer rents a car for five consecutive weekdays. Based on the impact of the five forces, the car rental sector is not a very attractive industry to potential new market entrants.

Conclusion

The rental car industry is in a state of recovery. Although it may seem like the industry is performing well financially, it is nonetheless gradually regaining its footing relative to its actual economic position within the last five years. As a way of insuring profitability, besides seeking market shares and stability, most companies throughout the chain have a common goal that deals with lowering the level of dependency on the airline industry and moving toward the leisure segment. This state of motion has engendered some fierce competition among industry competitors as they attempt to defend their market shares. From a futuristic perspective, the better days of the car rental industry have yet to come. As the level of profitability increases, I believe that most of the industry leaders including Enterprise, Hertz and Avis will be bounded by the economic and competitive barriers of mobility of their strategic groups and new comers will have a better chance of infiltrating and realizing success in the car rental industry.

Sources

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Rodrigue Monestime has authored several articles. He holds a BS in Business Administration with high concentration in Management Information System (MIS). He is the founder of BizVita.com [http://www.bizvita.com], a site designed for busy professionals with an all-in-one approach to the daily facts of the global business environment.

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It may seem strange to think that there is some question as to what constitutes a children’s book for many after all this would seem like a question with an obvious answer. A children’s book was after all created for children. However Huckleberry Finn by Mark Twain one of the books considered to be classical children’s literature was originally intended for adults and as indeed received some past censorship because of how interpret it was considered for children. The Grimm’s fairy tales also where written initially for adults, yet they where bought for children. This situation of children taking over what was supposed to be an book for adults has led to many problems. After all society then complains that the story was not appropriate for children, and so attacks to book. Further the book not being appropriate for children perhaps does cause some social problems. Yet we still seem to consider many such books as children’s literature.

Why is it books written for adults become children’s books? Or at least books read by children. Although it is perhaps impossible to state all the reasons for this situation, I would forward three theories on ways in which this can occur.

The first reason is that a book offers a fantastic reality, an imaginative story, children like such stories and so for whatever reason it is presumed that such imaginativeness is in the realm of children’s literature. This could for example be the case with Gulliver’s Travels and of course the Grimm’s Fairy Tales. In many ways I would argue it’s sad that if a story is fun and imaginative it is automatically pushed off into the realm of children. Not that children’s literature is lesser, indeed this imaginativeness has helped in many ways to make it superior to that created for adults. Rather it is sad that adults do not presume that such creative genius is worth more of their time.

Another reason which a book might become children’s literature is that it is about a child, for some reason a child character makes people automatically assume a child should read it, as if they are the only ones who can relate to a child. This is a ridiculous notion of course, we where all children and besides of which all such books where written by intelligent adults.

The final reason I will propose is that many books and works of art intended for adults become children’s as a means of expanding their reach or extending their life. This is why for example one will find the works of Jane Austen in the children’s literature section at the book store with a little charm.

This still does not answer the question of what is children’s literature. Part of the problem here may be that we have not yet truly defined the question, broad questions have broad answers. The question may be what should parents have their children read, or what should educators and those studying children’s literature study in order to learn about the impact of literature on children? In the case of the first question the answer is in regards to the parents beliefs and their kids reaction to things. If a parent does not believe their kid should be exposed to something then it does not constitute children’s literature for that kid. This definition of course makes the whole field of children’s books very difficult as there are so many differing views on what is acceptable for children to read.

However this problem would beg the question, is the purpose of the definition to help people study children’s literature or to help parents decide which books their kids can read? In the case of the purpose for study children’s literature would constitute all books which children regularly read. After all the purpose of study is to determine what is acceptable to read and what impact such readings have on children, as will as ways to make future books better. For this purpose to be effective all books which children read must be included.

Part of the difficulty of course with determining what constitutes children’s literature is that there is some debate as to what children are.

After all different cultures have at times believed many different things about children. However I would point out that this in and of itself is exactly the point, childhood is viewed as different by different cultures. It is then a cultural definition, one which our society can answer and change. Certainly it is difficult for people to accept this idea, and for many the idea that the culture determines someone’s role is tantamount to prejudice, however when it comes to defining a state and an impact we are indeed looking at cultural variables. One cannot for example assume that a picture book based on the Impressionist style, and with Swedish Motifs would have the same impact on Americans as it does Japanese or Swedes. It is culture which determines the role literature plays in our lives so it is through a cultures definitions of something that that thing should be defined. Further accepting one cultures definition of what defines children and not another’s is prejudice.

In American culture this definition of child has been constructed in a way as Minors to the age of 18, however not all of these ages are considered children per say, they are teenagers, pre-teens, Elementary, Preschool, Toddlers and more. However as a society we have defined these groups and so a wish to understand their demographic must begin with the societies definitions of them. Arguing that a culture is wrong is often a mute point, just as literature is a social construct many of the emotions and impact surrounding it are too.

Children’s literature then according to my definition and the definition which will be found throughout this site is literature which impacts directly through reading a fairly decent percentage of the population which is considered children by the culture it is from.

Or in the case of cross-cultural analysis such impacts will extend to ages determined by the culture with the oldest children or the largest definition of them. Why? Because in many cases especially historical ones children where considered adults fairly young, yet if we want to compare differences in impact between 8 year olds we must study both sets of 8 year olds. It is important to stress that this is not a means to push one cultures definition on another it is merely a research construct intended to help study literature, so that we can better understand its impact.

Ty Hulse has degree’s in art and psychology with both with a children’s and a cross-cultural focus. He is currently working to create the site Zeluna.net which discusses Children’s Literature and Picture Books, as will as Fairy Tales.

Advertising Your Blog In Your Email Signature

If you have a blog that you are particularly proud of,and that you want to share with other people, there are a lot of free ways that you can get your blog noticed.

One of those ways is something that you do everyday,and that you may not even consider as a way to share your blog. Put the link to your blog in your email signature.

Chances are that you send out emails more times that you can count during the day, Each time you send out an email, you can advertise your blog by putting the address of your blog in your email’s signature.

It’s always a good idea to write something catchy like, See what I am up to now, or Read my latest chapter of my fanfic here, depending on what type of blog you have.

The thing to remember about putting an adveritsement in your signature for your blog is to make it short, but eye catching.

You want people to be interested enough to want to click on it, but you also don’t want to scare them off.

Just like it is with any adveritsement, you want to give them just enough to be interested and take a closer look at what it is that you are advertising.

Think about what it is that your blog is about. What is really going to interest people about it and want to visit That is what you should include in your signature, and that is what is going to get people to go to your blog.

Blogger Forums – A Great Place To Advertise Your Blog

No matter what type of blog that you have, one of the best places that you can advertise your blog is to join a blogger forum. After all, everyone who posts there has a blog and thats the main subject.

It’s a great place to meet other bloggers and to advertise your blog.

There are quite a few blogger forums that you can signup for on the Internet. One is known as Bloggeries,where you can show off your blog, get your blog reviewed or review other blogs, and find lots of tools that you can use for your own blog.

Another good place to go is to Blog Forum.

Blog Forum, like Bloggeries, has spots for you to market and show off your blog,

Blogger forums are a great place to advertise because everyone in them are of the same mind and want to make certain that their blogs get noticed and read.

If you use your blog to advertise something that you are selling, or you want to get a lot of traffic to your blog in order to make money, you want to go someplace where it can get exposure.

When you advertise on a blog forum, you know that you are placing your advertisement in a place where blogging is something that people enjoy.

Just remember when you are posting to a forum to read the rules and abide by them. That way you’ll get your blog noticed and you will know that you are doing the

Blogging Directories – Great Advertising Venues

If you want to have more people visit your blog, there are plenty of blog directories on the Internet that you can submit your blog to so that people will come and visit it. Most blog directories are listed by the topics that the blogs that are submitted cover.

Blog Catalog is a free blog directory that offers categories such as career and jobs, writing, Iraq, and many others. It has features such as featured blogs and other things to offer those who submit their blogs there.

Another great place to add your blog is blog-drectory.org. Not only do they have an an extensive list of categories with sub categories, you can get your blog reviewed. For the most popular blogs, it shows the amount of hits that blogs have and if they have any reviews. As well as listing by category, the blogs are also listed by location.

There are other blog directories on the Internet -these are only a couple of them. But blog directories are a great place to advertise your blog and to make new friends. You never know what you will find when you browsing through the directory, and you may just find out information that you never knew. Some of the blog directories offer chat features as well, so that you can meet other people easily.

As you can see, blog directories are a great place to get your blog noticed and bring people to read your blog and look at your pictures.

Blogging Traffic – Give And Take

Blogging traffic is a give and take relationship.Sometimes one of the best ways to get traffic to your blog is by visiting someone else ‘s blog.

Go to their blog and read one of their entries, or read a few of them. Chances are that you are going to find something that you have in common.

When you find something that you find truly interesting on a blog, leave a comment so that they know that you were there.

One of the best known blogs available is Live Journal. A great feature of Live Journal is that you can search for interests on their site and it will come up with results of those who have that interest.

Are you interested in horseback riding You can see what other bloggers are interested in horseback riding as well.

When you are commenting on someone’s post, you want to make sure that you don’t leave generic comment. If you like the post, say something about what you read in the post.

After you have commented on the person’s post, then you can say something like, ‘I really like horsebackriding too. I had a similar experience to yours.’ and then use it to link back to your journal.

But be sure that you sound sincere when you are commenting, and don’t make them feel like you’re just fishing for traffic.

If someone thinks that you are using their blog to get more traffic to yours, they won’t visit your site and your efforts will be wasted.

Join A Community To Advertise Your Blog

Something that you will find, especially if you join something like Live Journal or Greatest Journal, is that users just like you have created communities for people with common interests.

There are communities for just about any subject, and if you find that there isn’t a community for the subject you can create one. This is a great place to advertise your blog.

The nice thing about communities is that there isn’t any limit as to how many communities that you can join.

For example, say that you love blogging about books,horseback riding, and skiing in Tahoe. All you have to do is look through the communities for ones that have those interests and join them.

As long as you post something related to the topic to the chosen community, people will see you and perhaps they will check out your personal blog.

Something to remember is that you don’t want to write a post that is one sentence long in order to get people to go to your blog. They will want to know that what you write is interesting and is something worth reading.

Joining communities can be a great way to advertise your blog and drive traffic to it. If you are referring to something that you posted about on your blog, you can use a link back to your entry in your post.

As with posting comments on someone else’s blog, you don’t want people to think that you joined a community simply to get traffic to your blog. Otherwise, people won’t visit your blog and you may get banned from the community as well.

Email Groups – Hidden Treasure Troves For Advertising A Blog

Something that has become increasingly popular since the Internet has grown are the email groups that are available through Yahoo, MSN, and other venues.

They are a great way to meet other people who have a common interest, and are very similar to the communities that are available through blogging sites.

There is plenty of diverse subjects and there are communities for just about any subject.

These groups can be a great place for people who have a blog about the subject and want to share it with other people.

Most of the time when you join a group, you are encouraged to take a moment and to introduce yourself.This is a great opportunity to tell people about your blog, but make certain that you don’t overdo it.

Just like with any of the other places you will advertise your blog, you want to make people want to go to your blog. If you are too overbearing, you will turn people off.

If your blog covers different subjects, you can advertise it on the other groups that cover those subjects as well.

Make certain that your post to the groups is interesting and that you let people know what it is that your blog is about. There’s nothing worse than getting taken to a blog under false pretences.

When people visit your blog, make certain that you thank them for visiting and respond to comments that they leave.

If they know that you appreciate the time that they took, they are more likely to come back again.

The power of being seen is the up most importance and blogging is one the best ways you can make sure others know of you, don’t let it pass you by.

[http://www.theonlinenbiznetwork.com]

Douglas Smith has been involved with selling online since 2001 and creator of numerous websites along with being an ebay powerseller.

Why Career Advice Is So Important

Choosing a career presents a nerve-racking decision, as it can have a life-long impact on you. Do not fret, as you can gain a clearer outlook into your future by thorough career planning.

Having a clear vision of the future can guide you by helping you set career goals and helping you on your way towards attaining them. Whether you are starting out on a new career or looking to change your current career, you will benefit enormously from taking sound advice.

Don’t Spend Most of Your Life Doing …

Chances are that you will be spending a great deal of time at your job, about 40 hours a week. Career advice and career profiling can guide you to a job that is enjoyable for you and matches your interests.

There are many reasons people change their careers and career advice can help them along the way. Some frequently cited reasons are:

· Stuck in a dead end job.

· Lost interest in current line of work.

· Gained a new interest in a different career option.

A Job For Life … Not Anymore

In today’s world, there is increased job rotation … also with the down turns in the economy, many people can be laid-off.

Good career advice for unemployed persons would be to consider a career change. Some of the fastest growing occupations are Medical Assistant, Network Systems Analyst, Physician Assistant, etc. Occupations that are struggling to gain workers can be a suitable option for currently unemployed individuals.

People often back off from changing careers if they are unsure of the effort it might take to start a new career and learn a new trade. If you are one of these people, career advice from professionals can help you make a knowledgeable decision.

How To Identify Your Career Choices

When choosing a new career field, career advice and career planning can help you figure out your career choices. When embarking on a new career, you need to take into account your previous education and work experience.

You should start thinking about the skills you currently possess and how they can be beneficial in each of the new career options available to you.

Have You Considered a Career Test?

Valuable career advice can come from career tests as they can help in identifying suitable job options. Career tests include tests such as personality profiling, leadership skills, motivation, management style, etc.

The results of such tests can give you the career advice that can direct you to a suitable career, by matching your interests with career options.

Many career tests are offered online. They may be free or available for a small fee. Many experts provide the career advice to employment seekers to take some time to plan their career and set their goals. Knowing your career goals can provide you with valuable guidance.

Remember that career planning and goal setting is an on-going process, changing as you continue on your career.

The web can be a great source to find valuable career advice. It can provide you with many resources to research new career choices and find out information on a particular career field such as average salary, work environment, job responsibilities, etc.

Use Resumes That Give You an Advantage

Whether you are starting a career, changing careers or looking for a different job in your present career, the best career advice is to have a great, eye-catching resume.

You may be thinking about using your old resume, maybe the one you made after graduating from college. However, you will have to make changes to that resume to make it relevant to your present situation.

Upgrade your resume with the additional skills and experiences you have acquired. People going through a career change, need to present the skills they have acquired through the years in a way that makes it relevant to the new career jobs for which they are applying.

You may not have all the standard education for that career, so you need to convince potential employers that your previous education and work experience have given you the skills that make you a suitable candidate to transition into that job.

Career planning involves gaining information that can ease your transition to a new career. This information can help get you out of your current dreary jobs and into a dynamic and interesting career.

Act Now… and Take Control of Your Career

It’s never too late to think of making a career change… seek professional career advice and give yourself the best chance of achieving your career goals.

Roger Clark has an excellent selection of articles providing details on writing resume letters posted on his blog and if you want to find out where to get free resume writing software [http://www.studentsforasecurefuture.org/write-your-own-resume-and-save-money], then this is an article you should not miss.

As a responsible pet owner, it is a goal to always give almost everything that money can buy for your pets. Although doing this can be good for your pets, it would still not be practical especially now that everyone is experiencing financial crisis. I am not saying that you should stop buying pet supplies nor buy cheaper supplies that are of lower quality. What I am trying to say is that you should find a way on how to save money even though you are buying supplies with high quality. Providing your pet all of these things can really hurt your wallet a lot because most of his needs are very expensive. It is as if you are providing the needs of a child. But then you must not worry because you can still do something about it. If your problem is your budget, you can still provide your pet all of his/her needs through buying discount pet supplies.

Pets have different needs especially on spring. This is the time when they could go out and play. Because the weather is a bit warm, pets need to have cool clothes and cool dog beds. He /she can’t wear clothes that are intended for summer and winter because these are not appropriate. He/she can’t also sleep on warm beds so you must also change his dog bed so that it will be suitable for the season.

If you are really determined, buying pet supplies will not be a big burden to you once you have found the right place or the right means on how to buy discounted pet products. Thorough research can help you a lot because through this, you will be able to find out how you can purchase discount pet supplies.

The first thing that you can do is to search on magazines if there are any discounted coupons. These discounted coupons can help a lot in lowering the price of your pet supplies. Then visit some pet supply stores and see if they are offering discounts on some of their pet products. You can also try to log on the internet to see if there are any pet supply stores offering discounts online. If you notice, there are now loads of pet supply stores online and these stores are usually offering discounts on their products. Browse the internet and see which among these stores online are offering the greatest discounts. Yet, you must be very careful especially in the quality of the product. Always stick with the product that is suitable to your pets.

It is always wise to try the internet first. The internet can help you a lot because there are hundreds of online coupons that are available there. These coupons can be used when you are buying some supplies for your pet.

Moreover, spring is the time when pets can be attacked by different kinds of pests so he/she might need some medicines. You can also join some consumer clubs and discover how you can get discounts on pet supplies from them.

Always remember that buying discount pet supplies does not mean that you will buy the products with lower qualities just to save money. What you will do is to find a store that is selling quality products with discounted prices. Enjoy your spring season by not spending too much for pet supplies. You can still give all the needs of your pet without worrying about the money.

Joanne Delos Reyes writes for http://www.petitude.com.au, Australia’s premiere online pet store and 2008 eBay Australia Top Store awardee. Petitude offers quality, yet affordable dog clothes, dog shoes, dog accessories, pet furniture and more.

For most parents, summertime is an opportunity to allow their children to enjoy their favorite summer camps and childcare services. This can, however, be a hefty cost for the parents and guardians. However, thanks to the childcare tax deduction benefits, parents can deduct the cost of childcare for summer camp from their Adjusted Gross Incomes and therefore, not pay taxes for their childcare expenses. For the childcare expense to qualify for a deduction, some requirements must be met. Some of these qualifications are:

• Payment Has to be Made - For the childcare cost to qualify for a deduction, actual payment has to be made to a summer camp or childcare organization. You cannot make your own camp for your children and deduct the expenses as childcare. The childcare must also not be run by your spouse or by your children, unless your child is over 19 years old and not your dependent.
• Payment Has to be for Qualifying Dependents – To qualify for the deduction, the children of the taxpayer claiming it need to be dependents of the taxpayer. Therefore, you cannot claim deductions for your neighbor’s or friend’s children.
• Overnight Camps Do Not Qualify – Overnight camps do not qualify for the deduction under childcare tax deductions.
• Claim Costs of Childcare Only – You can only claim the costs of the actual childcare and not other expenses. Expenses such as food, clothing expenses, and self-incurred transport expenses to the camp cannot be claimed. However, if the childcare organizers transport the children from an agreed destination, they may include this in their bill to you, which would be deductible. Similarly, if the camp organizers do not separate the costs of food and other expenses with those of childcare and only provide a lump sum bill, then one may deduct the whole amount.
• Include the Social Security Number of Your Children – To qualify for the deduction, you must include the Social Security numbers of the children or dependents that you are claiming for. Failing to include a Social Security number may lead to having the deduction being denied.
• Must File IRS Form 2441 – To qualify for the childcare deduction, the taxpayer must file IRS Form 2441 and attach it to the Form 1040, 1040A, or 1040NR. You cannot claim the deduction if you have filed form 1040EZ or 1040NR-EZ.
• Deduction Allowed After Actual Childcare – You can only claim the deduction if your child or dependents actually get to go to camp. If the camp is canceled for whatsoever reason and you have incurred fees such as booking deposits, you cannot deduct such costs, even if you did not get a refund. Furthermore, if you prepay for the summer camp, you cannot claim the deduction until your children have actually attended the camp.

Rob L Daniel and partners of Limon Whitaker & Morgan, for years have helped businesses and individuals Nationwide, with their delinquent IRS & State tax problems. The firm is based in Los Angeles, California USA. http://www.limonwhitaker.com / Tel:888.321.6188

You have permission to republish and use this article in your newsletter, website, or blog as long as you leave the article fully intact, and include this resource box at the end of the article.

Why should you use hiking poles is perhaps the first question that may strike in your mind especially when you are a beginner. To get the right answer for this question you need to consider two things i.e. Safety and Comfort. Hiking poles are just balancing sticks which help you maintain good balance that is closely related to your overall safety and comfort. When you use two poles you move as you have four legs which allow you better comfort and safety. Experts say that by using hiking poles you switch to 4×4 mode of driving, using your two legs and two hands.

As far as safety is concerned, a pair of hiking poles helps you prevent frequent fall downs on uncertain tracks, avoiding aches in ankle or knee or even back; and here comfort is pointing towards the convenience in walking such as maintaining right walking posture and pacing using two extra legs.

Although it is personal preference and an individual decision to use hiking poles but they can prove to be very helpful for you during your hiking. You must use hiking poles especially when you are on your first hike. And, I think next time you will yourself carry these sticks with you by seeing their countless benefits.

Thousands of people who have already used (or still using!) hiking poles for years could not be wrong and this is the reason that poles are considered the traditional way to move on uncertain tracks while maintaining good stability. Although, hiking poles have countless benefits but below given are some significant benefits which enforce us to use them every time we go on hiking and trekking:

Safety- Safety is the main reason of using hiking poles. Hiking poles, in reality allow you the extra pair of legs to maintain good stability on the uncertain trails and when crossing fast streams or difficult terrains. Without having hiking poles you may fall down that may end up in injuries and accidents, and if you don’t fall even then ache in knees or ankles is a common mishappening you may face. When you have hiking poles with you, they keep you safe by preventing fall downs, bad steps which may cause of sprained ankle or knee.

Indeed, safety and convenience are the main reasons of using these hiking and trekking poles. Let’s see some other benefits/advantages of using them.

Weight Distribution- Hiking poles or staffs help us to reduce weight on our feet and legs. The modern design of the hiking pole distributes the weight evenly on the whole body instead of legs. According to one estimate poles can reduce 15% of weight from your legs by spreading it on the arms and other parts of body. As they act like your legs so they also bear some of the weight. Especially when you are climbing on a steep hill, the poles bear much weight than in normal walking so the percentage of weight may rise even further.

Pacing- When climbing on a steep hill, you will find your hiking poles more helpful for pacing yourself. I have personally seen their advantages to pace my steps. No doubt, hiking poles can easily speed you up by acquiring your weight and by allowing you to maintain good stability. You can maintain your speed without having so much huff and puff (needless to say more sweat!). And finally you will find that you have won over the trail without so much effort that really hurts. Certainly you will not feel pain in your back because poles allow you to walk in your natural position.

Comfort- Hiking with poles feels comfortable because you can walk in your natural posture while climbing on a hill or coming down. Your hands also remain in comfortable position; another better thing is that your hands remain above the heart which is also comfortable and beneficial as it improves the blood circulation that ensure less stressed body after the hiking. Many research studies and findings have clearly shown their cardiovascular, orthopaedic and other health benefits, as a result they advocate that not only circulation is improved but heart rate is also said to be reduced. A landmark study in this regard was published by Dr. G. Neureuther in 1981. Therefore, almost every seasoned and experienced hiker or trekker actually uses them and advises others to use them.

At last but not least using hiking poles for trail riding is not a wrong decision at all as they have countless benefits and uses, but that doesn’t mean that they don’t have any disadvantages. Experts believe that using poles may increase your total energy expenditure as your hands are no longer hands but will become two extra legs when you use them. Basically, your arms are not designed to prop up your body, nor to distribute weight, but to do certain other things that are expected to use your hands such as to open up the map, carry your drinks, eat a snack, wipe off your sweat, to grab branches of a tree to pull yourself ahead, to take a photograph, or occasionally to carry the hand of your partner. Undoubtedly, these things are not possible or comfortable when you have hiking poles in your hands and it will become relatively clumsy, time consuming, and sometimes even frustrating to carry them.

Well these were certain limitations of using hiking poles, but only an experienced hiker knows that these limitations in themselves are very limited. Of course these can be easily overcome as you grow and matured with them. However, most of the time it is generally seen that many people don’t actually know how to use them correctly and how to carry them properly. When they buy these hiking poles, they go for most stylish, fashionable and feature filled poles, but failed to recognize how to use them properly to reap their true benefits. For example, they buy adjustable hiking poles with compass fitted and with a camera mount, but don’t even know how to adjust them to a right length. As a result the majority of the people get little or no benefit from them except adding few extra pound of weight in their backpack to put more weight on their back.

But in actual sense, you must educate and familiarize yourself with your hiking poles and right techniques to use them. Then you will find that it only adds few extra pounds of weight to your packing but helps you in many ways. Actually pole less hiking is great for the slack packers who walks very short and come back their home in sunlight. But the hikers those who walk very long on the trails in day light as well in the night must use hiking poles. They are perhaps your best companions while climbing or walking on relatively difficult, snowy or muddy terrains. Specially when walking in after hours you should use poles to discover holes, stones and bushes in the absence of light.

I sincerely believe, by now, you may have understood yourself that why should we use hiking poles.

All the best!!

Mats Lundkvist
Trek Lightly!
http://www.hikinghelp.com/blog/

Anyone who has seen the Lamborghini Reventón or the Aston Martin DBS knows that unmistakable feeling. It’s the thrill & the allure of the exotic sports car, overhauled & updated for the 21st century. Since their inception, sports cars have continually pushed the boundaries of both engineering & art. These are the cars that exemplify speed, power and beauty.

Alfa Romeo: The Grandfather of Exotic Sports Cars

Alfa Romeo first began producing racecars in Milan, Italy in 1910. Their first endeavor, the HP 24, turned some heads with its superior speed and handling. Chief Designer Giuseppe Merosi worked on all Alfa Romeo models from 1910 to 1923. When Merosi retired, racecar driver Enzo Ferrari persuaded Vittorio Jano to leave Fiat and take over Merosi’s work.

In 1925, Alfa Romeo unveiled the P2 Grand Prix Car, Jano’s first car with Romeo and widely considered the first “supercar.” The P2 was powered by a straight-8 cylinder supercharged engine, and placed first in 14 Grand Pix races between 1924 and 1930. Today, the P2 Grand Prix is considered one of the most rarified of the collectible antique cars, with less than a dozen still intact.

This year marks the return of Alfa Romeo to the United States. Their current sports car, the 8C Competizione, is stunning with its sleek lines, 4.7L 6-cylinder engine & a top speed of 181 mph. This car is destined to send ripples throughout the US market.

Ferrari: High Performance, Luxury Cars

After racing Alfa Romeos in the 1920′s & 30′s, Enzo Ferrari decided that he wanted to build his own racecars. He prototyped a few models in the 1940′s, but it wasn’t until after World War II that he found success. Notably, Ferrari’s exotic sports cars took first place in the Formula 1 World Championships, 24 Hours of Le Mans and the World Sportscar Championships throughout the 1950′s.

Ferrari’s Gran Turismo series remains its most successful lines, with the 2007 599 GTB Fiorano bringing even more luxury and innovation to the table. Patrons of the Ferrari Club of America cite performance as the primary reason for purchasing a Ferrari over other collectible cars.

Lamborghini : Exotic Sports Cars for a New Generation

Ferruccio Lamborghini had a successful business building tractors in Italy before his eyes turned to the exotic sports car. And it wasn’t a love for performance that stirred his fire, but a disdain for Enzo Ferrari.

According to Lamborghini’s family, Ferruccio purchased a Ferrari 250 GT in the early 1960′s and was unhappy with the handling & response of the clutch. He brought it into Ferrari’s factory and met with Enzo Ferrari to voice his concerns. Ferrari was immediately upset with Lamborghini’s complaints so he mocked Lamborghini and sent him away. Lamborghini went home, dismantled the car and discovered that the clutches installed in Ferraris were from the same manufacturers he used for his tractors. He installed a new clutch and vowed to create a higher-quality, luxury sports car than Ferrari.

While Lamborghini has countless models that produce awe and wonder in car enthusiasts, it’s the 1974 Countach that remains their most iconic. Designer Marcello Gandini, then just beginning his career, placed his focus on style over aerodynamics. With its scissor doors, sharp lines and low, wide frame, the Countach raised the bar for Lamborghini. The Diablo, the Murciélago, and even the 2008 Reventón follow in its wake.

Aston Martin: Unforgettable Collectible Cars

Britain’s Aston Martin was founded by Lionel Martin & Robert Bamford in 1914. They designed exotic sports cars and drove in competitions, but it wasn’t until David Brown became managing director of the company in 1947 that they were able to establish themselves as a maker of high-quality, high-performance sports cars. They introduced the DB line (DB standing for David Brown) in 1950, and many of their models have become synonymous with antique and collectible cars.

Newer DB models include the luxurious DB-7, which was designed by Ian Callum and produced from 1994 to 2001. This model won the Jim Clark Award in 1995, and remains Aston Martin’s most successful car to-date.

Where to Find Collectible Cars for Sale

Buying and selling exotic sports cars is a specialized process that requires a credible and secure collector car trader. Some of the best experts are other exotic sports car owners. To find out more about buying and selling antique cars or classic collectible cars the first place to look are exotic sports car clubs such as http://www.lamborghiniclub.com or [http://www.exoticcarrental.com/FerrariClubs.com]

Interested in online car dealers that specialize in buying and selling exotic sports cars? Check out http://www.chooseyouritem.com/exotics/dealerpage.html, ebay classic cars and a new website called [http://www.HighEndCrazy.com] These sites will get you started on the road to driving the exotic sports car of your dreams.

John Green is an Electrical Engineer who has worked for prestigious companies, such as Kimberly-Clark Corporation and Union Switch and Signal Corporation where he oversaw completion of large commercial projects. John was frustrated with hard to use websites while selling some luxury merchandise online. So he teamed with his brother, Richard, to develop a website for buyers and sellers of luxury merchandise. Visit: [http://www.HighEndCrazy.com] or email highendcrazy@bellsouth.net for more information.

When doing business abroad it is important to understand the local culture. Culture includes areas such as a country’s norms, values, behaviours, food, architecture, fashion and art. However, one area of culture that is important for the international business person is etiquette. Understanding business etiquette allows you to feel comfortable in your dealings with foreign friends, colleagues, customers or clients. Knowing what to do and say in the right places will help build trust and open lines of communication. One aspect of etiquette that is of great importance internationally is the exchanging of business cards. Unlike in North America or Europe where the business card has little meaning other than a convenient form of capturing essential personal details, in other parts of the world the business card has very different meanings. For example, in Japan the business card is viewed as a representation of the owner. Therefore proper business etiquette demands one treats the business card with respect and honour. Below we have provided you with a few examples of international business card exchange etiquette that may help you on your business trips abroad. General Business Card Etiquette Tips: o Business cards are an internationally recognised means of presenting personal contact details, so ensure you have a plentiful supply.
o Demonstrating good business etiquette is merely a means of presenting yourself as best you can. Failure to adhere to foreign business etiquette does not always have disastrous consequences.
o When travelling abroad for business it is advisable to have one side of your business card translated into the appropriate language.
o Business cards are generally exchanged at the beginning of or at the end of an initial meeting.
o Good business etiquette requires you present the card so the recipient’s language is face up.
o Make a point of studying any business card, commenting on it and clarifying information before putting it away. Business Card Etiquette in China o Have one side of your business card translated into Chinese using simplified Chinese characters that are printed in gold ink since gold is an auspicious colour.
o Ensure the translation is carried out into the appropriate Chinese dialect, i.e. Cantonese or Mandarin.
o Your business card should include your title. If your company is the oldest or largest in your country, that fact should be highlighted on your card.
o Hold the card in both hands when offering it.
o Never write on someone’s card unless so directed. Business Card Etiquette in India o If you have a university degree or any honour, put it on your business card.
o Always use the right hand to give and receive business cards.
o Business cards need not be translated into Hindi as English is widely spoken within the business community. Business Card Etiquette in Japan o Business cards are exchanged with great ceremony.

o Invest in quality cards.
o Always keep your business cards in pristine condition.
o Treat the business card you receive as you would the person.
o Make sure your business card includes your title. The Japanese place emphasis on status and hierarchy.
o Business cards are always received with two hands but can be given with only one.
o During a meeting, place the business cards on the table in front of you in the order people are seated.
o When the meeting is over, put the business cards in a business card case or a portfolio. Business Card Etiquette in the UK o Business card etiquette is relaxed in the UK and involves little ceremony.
o It is not considered bad etiquette to keep cards in a pocket.
o Business cards should be kept clean and presentable.
o Do not feel obliged to hand out a business card to everyone you meet as it is not expected.

Neil Payne is Director of Kwintessential Ltd, a London based Cross Cultural Communications Consultancy.

In spite of the world wide recession the retail sector of automotive is thriving day by day. One can make a lucrative business in this sector, provided he needs to have the technical knowledge, the know how of what to do and hands on practical experience of working with vehicles. There are many schools all around the world which offers different automotive courses readily. The available colleges and schools offer all the courses that one needs to learn in order to handle the various demands of the retail market. Now, many courses that are not available on campus are available online and through this one can get knowledge without going to school or college. These automotive courses become a part of the distance study programs offered by the universities.

Automotive courses offered by many schools are designed to match different segment of people. Some schools offer courses which are as short as one week. These short courses are mainly structured for people who are already in automotive business and they feel that it is necessary to enhance their existing skills and knowledge by learning about the new technology and practices. Short automotive courses are perfect for people who are hard pressed for time and can only spend few hours in a day at school to learn new innovative methods. These courses are created for convenience to suit each individual’s requirement.

Most courses are full time, which include class room study, hands on experience in work shops and practical experience in managing and operating an automotive facility. The course aims in equipping their students with technical knowledge, practical skill and managerial quality to help them to start their own automotive unit or get an employment in top auto firm in the country. When the students graduate they would have had hands on experience of working on different parts of the vehicles.

Several colleges around the world offer automotive courses like automotive technology, automotive service technicians, automotive management, automotive mechanical technology, automotive vehicle body and many more.

A course based on car maintenance will educate the students to learn the basic working of a car and what is required to maintain the car in good condition. One is educated about the various parts of the car, their functioning and what to look for when there is a trouble.

Another popular automotive course which has become rapidly popular with car fanatics is the “collision refinishing” which educates on restoring a car. It guides on the metal working, painting and detailing. This course is usually divided into two segments which involve repairing and refinishing. This guides on the finer aspects of finishing the car to look cool. Other related automotive courses are trim and upholstery, applied service management, motor sports chassis fabrication, street rod and custom fabrication.

Automotive study is versatile segment where there is no end to ones learning. With each year there is an improvement in technology and man pushes the machines to a higher level. Hence these automotive courses are ever evolving with new addition to the curriculum. Automotive course are beneficial and can set the path to a lucrative career where one can take technology to new levels.

IQMS – Founded in 1990, we offer professional consultancy services, management systems training and auditor training courses throughout the UK. Visit http://www.IQMS.co.uk/ now!

Why temperature is so important

NB. F = Degrees Fahrenheit and C = Degrees Centigrade

Temperature is critical in determining how long to cook a turkey, for the simple fact that the bird must have reached a uniform temperature of at least 165 F throughout in order to destroy harmful bacteria. You do not want to give your guests food poisoning!

The turkey is a weird shaped food source! – Large body covered with thick flesh around the breast area, large legs made up of dense muscle and a large internal cavity. Because of this, it is not so easy as cooking a single joint of meet for example. The breast meat tends to cook much faster that the dense muscular leg meat, so there is a risk of over-cooking the breast meat whilst waiting for the leg meat to cook thoroughly.

Deciding how long to cook a turkey is not an easy question to answer as there are so many variable factors to consider.

The type of oven

With conventional gas or electric ovens (not Microwave, Convection, Rotisserie) the top of the oven is the hottest zone. The middle part of the oven is usually the coolest zone. The bottom part of the oven is usually also a cool zone in a gas oven, but in an electric oven this area can be a hot zone. As the turkey will remain in the same position throughout the cooking cycle, this will influence the length of time and how evenly the turkey cooks.

Microwave ovens work on an entirely different principle but due to the larger size of turkey compared to chicken, may not be large enough to cook turkey.

Convection ovens are more efficient than conventional ovens because an internal fan circulates hot air all around the food. Turkey cooked in a convection oven should be more evenly cooked with maybe a 50% saving in time.

Rotisserie ovens are also more efficient than conventional ovens because the food is continually turned allowing heat to penetrate evenly.

Size and weight of the turkey

No surprises here, but the larger and heavier the turkey, the longer the time period for cooking! If the turkey is so large that it only just fits into the oven, seriously consider using a bigger oven or buying a smaller turkey. The reason for this is that to cook the turkey thoroughly, there must be a good air space all around the turkey to enable hot air to circulate. If this is not the case then it will be difficult to gauge cooking times and ensure even cooking throughout.

Fresh or frozen turkey?

Many people prefer to cook a fresh turkey as the taste is said to be superior to frozen. Fresh turkey should be purchased 1 to 2 days prior to cooking and stored in a refrigerator. When ready to cook take out of the refrigerator and allow to come up towards room temperature.

Frozen turkey is more convenient for many people however and provided the correct thawing out procedure is followed, should be safe and tasty. Care must taken to follow the suppliers thawing out instructions correctly, including that applying to stuffing. A general guide to thawing frozen turkey stored in a refrigerator is to allow 24 hours for every 4-5 pounds weight (e.g. a 14 pounds turkey would take 3 to 4 days to thaw out).

Deciding how long to cook your turkey

Professional chefs cook their turkey at an oven temperature range 325 F to 350 F (170 C to 180 C).

As a guide, if you are cooking a 12 pounds weight fresh or thawed frozen turkey without stuffing using a conventional oven operating at a temperature of 325 F, the likely cooking time would be 3 Hours. When stuffing is placed within the turkey it will take a little longer to cook through so the cooking time must be increased. Refer to a good turkey cook book for full instructions.

Testing temperature when cooking your turkey

The old school method for testing when your turkey is cooked is to use a clean metal skewer. When the approximate cooking time is up, you take the turkey out of the oven and carefully pierce the thickest part of the leg with the skewer. Remove the skewer and press against the leg to see if the juices run out clear without any trace of pink – if the juices are clear then the turkey should be cooked.

There are more accurate methods available using modern technology, more suited to the amateur or newbie chef:

• Use a temperature probe food thermometer designed to be inserted directly into the turkey during the cooking process, as directed by manufacturers instructions. This continuously monitors the internal cooking temperature so you can be certain that the correct minimum temperature is achieved.
• Use a thermometer (designed for the specific purpose) to register the internal temperature of your oven so as to check the accuracy of your ovens temperature controls.
• When the turkey has cooked and has been removed from the oven, use an “instant read” probe food thermometer to check the internal temperature of various parts of the turkey e.g. legs, inner thigh, breast, internal cavity stuffing. The turkey should be allowed to rest for approximately 30 minutes after cooking and the internal temperature must be at least 165 F to ensure that the meat is cooked sufficiently well and safe to eat.

Turkey cooking tips

1. Some professional chefs suggest pre heating your oven to a much hotter initial temperature of 425 F ( 220 C ). Place your turkey in the oven and leave for approximately 15 minutes. Then reduce the temperature down to the correct range selected e.g. 325 F for the remaining time. The idea here is to give the turkey a good blast of heat which penetrates right into the meat and any stuffing.
2. Consider cooking stuffing outside the turkey in a casserole.
3. To protect the turkey breast from over-cooking and drying out, consider placing stuffing under the breast skin. You should carefully peel back the skin and work your fingers and then your hand under the skin to free it from the meat. Spoon the stuffing into the cavity and then replace the skin and secure down to avoid anything leaking out.

Enjoy your turkey dinner celebration!

The author is an enthusiastic home cook loving traditional recipes. For a complete guide to cooking turkey made easy visit http://howto-cookaturkey.com

A Step-By-Step Tutorial: How to buy a car with bad credit without it turning into a nightmare.

Are you tired of hearing the word ‘No’ when it comes to a car loan? I set up ‘How to buy a car with bad credit’ specifically so that you could hear the words ‘yes’. Who am I, you ask?

I spent 14 years in the automobile business as a Finance Manager so I believe it’s fair to say that I know a thing or two about getting a loan financed, irregardless of your past credit history.

Remember, regardless of your past credit history, you still need a car, want a car and most of all, you deserve a car. You should also be treated with respect and given choices. I’m going to teach you how to have a choice with auto bad credit financing loan.

First of all, all lenders now purchase deals based on what is called a beacon score, which is the same as your credit score. There are three credit bureaus that make up the package. Each lender will choose whichever credit bureau(s) they prefer when looking at your credit or a combination of bureaus.

I highly advise everyone to have all three credit bureaus pulled when checking your credit and to pay for the credit score. If you only look at one bureau, you’re only seeing part of the whole picture.

With the exception of a few minor things, beacon score will play a large part in your approval. Staying within your financial means is another, so be realistic. If you make $2500 per month and have $1200 going out, don’t walk in all high-and-mighty and tell the Finance Manager that you will only have an Expedition or nothing. You’ll end up with nothing.

In order to effectively use auto bad credit financing, you are going to have to know what your credit looks like and what your credit score actually is. Otherwise, you are working in the dark.

Pay for the credit score or it’s just almost useless. With the credit score, you will know whether or not you qualify for a lender such as Ford. Also, the higher the score, the lower the interest rate. Got it? With an auto bad credit loan, the higher the beacon score, the better.

Let me explain websites like cars.com and the such: They collect applications for car loans online. They then have a network of dealerships that PAY them for the leads. These are generally dealerships that have departments that specialize in getting you financed, regardless of your credit. These departments pay for these leads, so most take them very seriously, as they are their bread-and-butter, so to speak.

If you have a lower than usual credit score, a current repo or just plain, all-around bad credit, this might be the way to go. If your credit is really that bad, remember that you are going to need some cash or a paid-for trade in that’s actually worth something.

O.K., now for the step-by-step system that I promised. First, take control of your car deal! You need to be in the driver’s seat, if at all possible. Go online and run a copy of a tri-merge, which is all three credit bureaus, plus pay for your credit score. You can get a FREE copy of your credit report once per year HERE:

http://www.annualcreditreport.com

This is the new Federal law that actually entitles you to receive a FREE copy of your credit bureau once per year and with some other exceptions. This is not a credit monitoring site. You have to run each bureau separately; Experian, Equifax and TransUnion. Then, you have to pay for the credit score.

So as to hold down on confusion, here’s the scoop: Each credit score for each separate bureau will be different. That’s why a Tri-Merge is called what it is called. You can run a specific bureau called a Tri-Merge from one company (there are many-just do a Google search) and you actually get one bureau (it’s actually all three combined but the credit score is also one credit score). It’s more expensive and generally runs around $34.00 but it just depends on your preference.

Now, with your credit score in hand and a copy(s) of your credit bureau, look at your credit. Do you have anything strange on there that is not yours? If so, it’s time to fix it. You should review your credit bureau at least every 6 months to a year. Plus, if your identity has been stolen, you will know quickly. P.S. you can also have a liner placed on the bottom of your bureau that simply states “Do not extend any credit on my behalf without contacting me first. Work # (111)222-3333 Home#(222)333-4444 Cell# (333)444-5555.” Call or write the credit bureaus and request that this is done. You can now do this online for free. Again, do a Google search for all three bureaus listed above.

How do you fix your credit, you ask? I give away a totally FREE book that I wrote on the subject simply for the asking. Email me with Free Credit Repair Book in the headline and I’ll email it to you.

Next in line: Know what you want to buy BEFORE you even go out shopping! Let me make this very clear. Car dealer’s jobs are to sell you a car on your very first visit. A salesman/woman and their sales manager believe that if you walk into their dealership and do not leave with a car, you will never come back again. They are going to hammer on you until they either A) Make you mad and you get up and leave or B) Sell you a car. It’s the nature of the beast. Accept it ahead of time.

What do you want to buy? Where can you get unbiased information on the auto? Again, Google for Kelley Blue Book or NADA and you can get cost, warranty repairs, recalls, and information on problems and tons of info beforehand. Limit your shopping to three models. Keep it simple. Those will be the ones that you will shop for.

Can you afford the car? You may think you can afford the car, but the bank may think otherwise! I have seen this so many times in my career. Automobile economics 101: Take your gross income (what you make per year BEFORE Uncle Sam taxes you) and remember, this income needs to be provable-tax returns, check stubs with taxes taken out or a W-2. If you are self-employed, you will need two years of tax returns with Schedule C’s. This is the income that you actually paid taxes on. Being self-employed can be tough. You may need to combine a spouse’s income if you are self-employed.

Now with your gross income figured out, find out what all of your debts are that are going out each month. Include everything…it’s listed on your credit bureau’s. Example: Car note=$450.00 + House note= $560.00 + Credit card debt= $425.00

Boat note= $310.00 Charge-offs=$1200.00 (yes, charge-offs; these are bills that you never paid and they were written off). Add all of your debts up. With just your obvious debts (including the charge-offs), you have $1805.00 per month going out. I arrived at that figure by adding up all the monthly notes and taking 5% of the charge-offs. 5% of $1200.00 = $60.00. We’re not through, though. Now we have to figure in cost of living-utilities. Each lender has their own algorithm for utilities but a good range to estimate would be to add $300.00. Now we have a total outgo of $2105.00. This is what you have to have to pay your current bills before you take on any other debt.

Almost all lenders will not allow your new car note to exceed 20% of your current income. For our example, let’s assume that your gross income is $5300.00 per month. Let’s take $5300.00 and subtract your debts, which are $2105.00. That leaves you with $3195.00. To make it easy, take $2105.00 and double it. That would be $4210.00. That would leave you with disposable income of $1090.00. What the lender is looking at here is referred to as debt-to-income. They want to know if you have more going out than you can handle. This is strictly a case of numbers and provable numbers. If your gross income was $4500.00 and you had $2105.00 in debts each month, you need to be prepared for one of two things; add your spouse’s income and your spouse to the deal or trade in the other auto. If your debt-to-income is running too close to 50%, you’re going to have a hard time getting a loan for anything. Make sense? The way the bank looks at it is this: you can’t afford both cars so they assume that you are going to let the other (older) car go back to the lender-repossession. That’s their take. Debt-to-income is a HUGE deal.

In this case, your disposable leftover income is $1090.00. 20% of that would be $1060.00. Whoa! Let me be the first to inform you that you are NOT getting a car payment of $1060.00! Why? Well, you only have $1090.00 left over for starters. Let’s be realistic here. Most lenders will slice that in half which will equal $530.00. Your payment call should be around that figure, give or take a few dollars.

How expensive of a car can I buy on a $530.00 payment? Good question and one that you absolutely need to know so that you can pick out the correct car. One answer depends on the term of the loan. You can finance for 36, 48, 60 or 72 months, as a for-instance. That equates to 3 years, 4 years, 5 years and 6 years. I will tell you this: the worst thing you can do is extend the note out the longest amount of time in order to get the payment where you can afford it. That creates a syndrome that now affects over 75% of car owners called being “Upside Down.” It means that you owe more on your car than it’s worth. It also means that you need more money down when you go to trade it in. The only way around that is a lot of money down or a short-term loan.

You can again do a Google search for a ‘car loan calculator’. You will punch in the loan amount you want to borrow, the term (48,60, etc.) and the interest rate. If you have not gotten approved already and know the rate, you will have to guesstimate. Here’s a rule of thumb for you-it’s not an exact science without knowing your credit, but it is a guide you can follow to get you close. Let’s base the rate on your beacon score: that’s what most of the lenders are going to look at.

If your beacon (credit score) is in the 400 or lower range, you will need to figure your interest rate on a new car at 21% (state maximums differ-it could be 18%). If you are looking at a used car, figure on 33%. If your beacon score is in the low 500 range, figure your new car loan as you would for the above-mentioned 400 beacon. If your beacon score is in the mid to high 500-range, figure a new car at 18% and a used car at 27%. If you have a beacon of 600 to 649, figure a new car at 16% and a used car at 20%. If you have a beacon score of 650 to 699, figure a new car rate at 12% and a used car rate at 16%. I may be hitting too high on a few of these, but I live in a state that has the highest rates in the nation. Better safe than sorry.

Get Pre-Approved BEFORE you start shopping. This is the easy part, in a way. Remember I told you at the beginning of this article to take charge of your car deal instead of letting the dealer lead you by the hand. It all boils down to financing. If you can walk in with a check in your hand, you are in control. I will recommend a few companies that are reputable, have a proven track record in sub prime loans and all mail the check to you at home. You then go into a dealership and pick out your vehicle, negotiate and buy like a cash buyer! These companies are Household Finance, Capital One Finance, Americredit and E-Loan. You can do a Google search for all four, apply online, and get either an instant approval or one really quickly. When you are approved, they mail the contract to you and then the check. It’s that easy.

On the final decision for the car-work smart here. There is nothing more valuable than time and nothing more rewarding than piece of mind. Please don’t go running from dealership to dealership. Wrong. Pick out the 3 models of auto that you can afford. If you are looking for a program car (rental), call dealerships and inquire as to whether or not they have any. If you want a new, ask other people that are driving that model where they bought theirs and would they purchase there again. If you start hearing a lot of “I’ll never buy from them again”, move on. Something is wrong. Your new car is only as good as the service you will get AFTER the sale.

Negotiating-Most people hate this. I have only met 2 people in 14 years that enjoyed it; they were both retired and had nothing better to do. One did it for the fun of it and never even bought if you agreed to his price. Don’t waste other people’s time. If you don’t like the car, don’t negotiate on it. When you do find a car that you would own, tell the salesman you’d buy it right then if the price was right and if they provided you with a Car Fax. The keyword here is: ‘If the price is right’. How do you know what a good price is? Well…glad you asked. If it’s a new car, Kelley Blue Book will have dealer cost. Go to: http://www.kbb.com

If it’s a used car, compare used car figures at http://www.kbb.com

And

[http://www.nadaguides.com]

What’s the difference? Most dealers (with the exception of the West coast) will use NADA as their guide.

Here’s what’s transpired so far:

Before you ever drove the car, you went by the dealership on Sunday, when there are no salespeople and you got the Vin# of the car and the equipment, year model and had a good look at it. You already know if you like the car when you drive it, that you would buy it. The list price is in your pre-approved check category, to boot. You’ve already gone online and gotten wholesale, trade-in and retail values for the car.

Retail is what the dealer should ask for the car. This will help you to know whether or not the salesman is trying to add money to the car, or if the dealership is. Trade-in is a figure to gauge approximately what the dealership traded for the car for. It will give you an idea of what the dealer paid for the car, before reconditioning fees and any ticket from service. Now, not every make of car will bring trade-in value. Two that will at this time are a Honda and a Toyota. Those cars will bring trade-in value. Domestic cars generally will not bring trade-in value, with the exception of new, hot models. Other models will only bring wholesale. As an example, Kia makes a great car, but most will not bring close to trade-in value. Mitsubishi is going through changes and also won’t bring close to trade-in value. There are exceptions to the rule: Katrina and Rita-two hurricanes that created a short supply of used cars. If you live in the south, that will be the case for a while. With the exception of a Honda and a Toyota, you can probably be safe offering less than trade-in. Not thousands, mind you, but less.

Take into consideration the other costs of trading for a car. Also, ask the salesperson how long they’ve had the car. If the salesperson slips up and tells you they’ve had it a while, your negotiating should be easier. The reason behind that is that the dealer is paying interest on the car every month it does not sell. The book value is also dropping every month so it needs to go.

Throughout the car deal, make sure they know you are paying cash. Don’t mention that you have a check from Americredit or whoever. That’s none of their business. When you make a deal, insist on the Used Car Manager running a Car Fax before you sign any paperwork. A Car Fax will show if the vehicle has been involved in a serious wreck, was bought back from the original customer or is salvaged. This will put your mind at ease. If you don’t like the Car Fax, don’t buy the car.

Throughout your shopping, I can’t stress this enough-Do NOT fill out credit applications at each dealership. Every time you sign a credit application, the dealer pulls your credit report and your beacon score goes DOWN. That’s why I advise on getting approved ahead of time. There are numerous advantages to getting approved ahead of time. The main advantage is that you are in control, not the dealership. That’s worth a fortune in itself. Their job is to take control of you from the start of every meeting. Believe me; I know what I’m telling you. I lived that life for a long time.

For some reason, should you not be able to get pre-approved because your credit is extremely bad (a discharged bankruptcy is an instant-approval, by the way), and you have to go through an online clearinghouse like cars.com, don’t despair. Continue to follow my previous steps and advice and negotiate and insist on a Car Fax report.

When you do decide on a car and go into the Finance Office to sign the papers, I would like for everyone to know that you do not have to purchase any products in order to get the loan. If anyone in Finance tells you that you have to purchase a warranty and credit life to get the loan, which is a bold-faced lie. Why would a Finance Manager do that? Because they work on commission, also. Surprised? Don’t be. That’s the way dealers set up Finance Offices from the start when they realized how much money could be made. The Finance Manager makes money off of the rate they quote you, the warranty they sell you, the gap insurance and the credit life and disability you buy. That’s how they make a living.

I’m not saying that any of these products are bad, though. I believe in extended warranties. I’m just telling you to shop around first. If you find a cheap warranty, check out the company and make sure they will give the dealer a credit card over the phone immediately when in need of repairs in any state. All in all, I will say this-A manufacturers warranty is always better than an after-market warranty. Always. Just negotiate on it if you want it.

The only reason why you would not want gap insurance would be if you literally paid cash for the car. Otherwise, gap is cheap (should retail around $495) and will pay the portion that insurance won’t pay if it’s totaled. Just remember what I said about the book dropping on a car every month. It will never be worth what you owe unless you put down a lot of money at the time of purchase.

Credit life and Disability insurance are a personal matter. If you have a life insurance policy, it can be used to pay off the car in the event of your death. If you are single, why do you need Credit Life? The only benefit would be if you are married with a family, it cuts down the payout time. In this situation, your spouse would not lose the car.

Disability Insurance pays out for a specified amount of time. It will not pay out for the entirety of the loan. It also has a specified start date from the time you are disabled. It doesn’t just kick in immediately.

This is a lengthy article, but the gist of it is this: do your homework at home first. Then get approved online. Then shop on Sunday. Then go get your car and negotiate on everything. It will be the easiest car-buying experience you have ever had.

Regardless of your credit situation, if you follow my steps, you’ll have a car in no time and you’ll be an educated and informed customer during the process. Good luck!

Alicia Guidry spent 14 years in the retail automobile industry as a finance manager, sales manager and general sales manager.

For additional sources, see:

Bad Credit Car Loan [http://bad-credit-card-applications.com/auto-bad-credit-financing-loan.html]