Financing A New Or Used Car: Leasing Options

Financing a new or used car can be a great way to get out of your old one and into a new one. When you finance a new or used car, you are not paying full price up front and in cash. This is great for those who are on a monthly budget, and went to space their payments out over 12 to 72 months. Financing options are available for those who have bad credit as well. Elise is a great way to get into a new car, without having to apply for a loan. Many people wonder what the best leasing option is for their financial situation. Below are some great tips and tricks on how to finance a new or used car within leasing options. 

Where To Start With Financing

When you start to look for financing options, you should definitely check your credit score. This going to have a massive effect on whether or not you qualify for at lease.Mini leasing options require you to have good credit. However, there are some cases in which you don’t have to have a perfect credit score in order to take a lease out on a new car. Leasing is a great way to get into a vehicle without making a large down payment, as well. A great place to better understand financing is to check out the article is on cars.com. They give you a wealth of comprehensive information from their expert technicians on all things cars. 

Ways To Calculate The Lease Agreement

When you are ready to calculate your lease agreement, you should check out the car lease calculator. This handy, free tool on cars.com can help you determine whether or not you should take out a loan or lease a vehicle. You can estimate your monthly payments just by putting in the make, model, and trim of the car, as well as the car price, downpayment and trade-in value. You will also want to look up the state sales tax for the state you are purchasing the car if you do not know it. Next, you will be given an estimate of both a loan payment and monthly lease payment. This will help you better understand the price of the car that you can afford. You will also be able to negotiate lease terms with a dealership like a pro. 

What To Do Next

Once you have all the information about leasing options, and have decided which company or dealership you would like to go with. You can then start shopping cars. A great way to shop cars is on cars.com. Cars.com offers you millions of listings of various cars with leasing options. This is a great place to shop for the make and model car that you would like to buy. You can also look for a reputable dealerships on cars.com. This is a great place to start talking to people about leasing options they offer on different makes and models of cars. When you are ready to lease a vehicle, you should check out cars.com for all of their financial calculators and tools that help you better determine which leasing option is great for you.

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Why the Bookkeeper Steals Your Money

Hiring a competent person to keep your books makes good business sense and in some cases is required by law.  Not only do they bring a skill set to the business that keeps costs in line, they can offer a snap shot of the financial health of the company, suggest strategic moves, and create company policies and procedures to track cost more efficiently.  They help the company maximize profits as much as possible, using every tactic they can to make a dollar out of 15 cents.  They’ll suggest shortcuts like using Groupons to make purchases of office supplies, and for purchases from stores like Home Depot if they know a 40% discount will help the bottom line. The very skills that make a bookkeeper so valuable are the same ones that can be used against you if the person has ulterior motives.  The news if rife with stories of bookkeepers who have stolen thousands, even millions of dollars from companies by falsifying records, setting up bogus accounts or submitting fake time sheets, as one bookkeeper did to her undoing.

Bookkeepers steal your money because they can.  In fact, a study found that one-third of students at a business school said “yes” when asked if they’d be willing to take a chance at netting $100,000 even if they knew there was a chance of going to prison after getting caught.  There are a number of reasons bookkeepers give for embezzling money from contractors or employers.  In the case of the time sheet cheat, she faced a messy divorce and had no money for her children’s school fees.  Taking advantage of a lax supervisor who signed practically anything she put before him, he signed off on time sheets for an employee from a temporary agency for weeks after the employee had been let go.  At the time, the bills from the temp agency came to the bookkeeper, and no on in the departments saw them or approved them.  She got caught when the temp agency noticed the irregularity in the number of employees they had sent and the higher number the company was paying them for.

Unfortunately, many bookkeepers are never prosecuted because the fraud is considered a victimless crime.  With advanced technology, cheating is getting harder to do.  It behooves the company owner to be diligent and prevent fraud by keeping an eye on the checks that are written and signed, keeping separate accounts for payroll and other expenses and balancing your petty cash drawer if you have one.

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