Car Finance

Owning a new car is almost everybody’s dream. But only a few people can afford to buy a new car on a cash basis. Fortunately, car financing is readily available these days. As a result, more and more individuals have the privilege of owning a new car.

However, it is not easy to select a car, make a purchase, and then obtain car financing. Before you head to the local car dealer to buy the car of your dreams, you have to consider a lot of things with regards to car financing. You have to look into your credit score, compare car financing rates, and get pre-approval for your car financing application.

Your credit score has a lot to do with getting approved car financing because it reflects your credit worthiness. The lender will also look into this when determining your interest rates and down payment requirements. A credit score ranges from 300 to 600. If your credit score is above 600, you have a very good chance of getting car financing. However, if it is lower than 600, you need to spend several months paying your bills and increasing your credit score so you can qualify for financing.

After determining your credit score, you need to compare rates such as interest fees, fee structures, and down payment rates. Different lending institutions offer different rates. You should take your time evaluating each financing option so you can get the best deal.

After you have compared rates and picked your financing option, you can get a pre-approval for car financing. It is better that you have a pre-approved application before you go to the dealership so you can negotiate if you have cash in hand. This way, you may be qualified to receive rebates and discounts.

All these steps can help you to get the best car financing–and eventually, the best car–available.

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Business Meeting Thank You Note Samples

After just about any meeting, successful or note, it never hurts to follow up with a thank you note. It shows you respect your client’s time and even if your product wasn’t a good fit this time, your client knows you’re a courteous, professional colleague he’d like to do business with again.

Email or snail mail? You know best; think about the client’s company culture. Usually email is fine, especially if you’re thanking for something informal like time.

Your tone is also something only you can gauge. When in doubt, more formal is better. You don’t have to be cold or stuffy but do be respectful.

Here are a few examples you can customize to your own situation.

Example 1:

Dear Todd,

It was a pleasure meeting you yesterday. Your ideas on new approaches to sales in our region were insightful and a great help to me. Thank you for making time to meet with me and for sharing your thoughts.



Dear Dr. Price,

Thank you for seeing me yesterday. I appreciated the chance to discuss our new products with you. Your opinions are always helpful and interesting. I hope the latest product will fit your needs.

It’s always a pleasure to see you!

Best Regards,



It was a pleasure to finally get a chance to meet you today. Your research project sounds very interesting and offers a compelling value proposition to to the mobile phone carriers. As discussed, my team has done extensive work in the type of data collection that your research requires.

Please let me know if I can provide you with more details about how we would work on the project.

Look forward to speaking with you soon.


Dear Paul,

Thank you for your time today. Jack and I very much appreciated your input on our new business development strategy. I know that you have a number of demands on your schedule right now so the fact that you took as much time as you did to guide us is even more welcome.

We will be sure to circle back with you when the plan is finalized in order for you to provide your stamp of approval as well as any final comments.

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Is It Better to Add or Subtract EQ When Mixing Music?

Many home studio producers and studio recording engineers who know how to mix music have learned to equalise their music over time, will know that EQ is a crucial tool for creating a balanced mix that represents the music best and is pleasing to the ear. And the listener will want to listen to time and again. So getting the balance right and knowing when to subtract or add equalization is vital. And EQ is often overused.

Equalization or EQ is basically the volume of frequency ranges within a piece of music. Starting with sub bass and bass as the low frequency ranges, lo-mid hi-mid and presence range are next up and then come the high frequencies, some of which we cannot hear. Human ears are particularly sensitive to the mid and hi-mid or presence range as this is where speech lies in the frequencies.

If music is harsh or tiring on the ears then this means the mid range has been accentuated too much.

Another common error is too much bass which leads to ‘woolly’ or muddy mixes. So it is a delicate balance to strike to get all the elements of a track, song or piece of music heard as you intend when you are mastering how to mix music.

A common strategy is to do additive equalization (EQ) to bring out come frequencies or sounds within an instrument or track. This effectively means you are turning up the volume of a part of the instruments sound or overall within the piece of music. You can see the effects of this on some stereo hi-fi systems with EQ settings or even in computer software such as Winamp and Windows Media Player. So if adding EQ in music is essentially increasing the volume of a frequency range, it is important to be aware that this will affect the balance of the harmonics or overtones of the sound. And apparently with many plug in software EQ devices, this can also result in distortion or phasing issues (where the frequencies can start to cancel each other out or negatively affect each other in other weird and wonderful ways).

And subtractive EQ in music – where you basically are taking out some frequencies or turning them down – can also cause phasing issues. But I tend to try to go for subtractive instead of additive where possible as I feel is less harsh or tiring for the ears and can leave room for other instruments or frequencies to breathe. For example, if a vocal track is not cutting through the guitar in a singer songwriter song, I will first try carving out some of the mid frequencies from the guitar rather than adding more mid range frequencies to the vocal track.

So, before you reach to turn up frequencies to get them to be more present in the mix or more prominent, perhaps try taking away some frequencies from the parts that are overshadowing or in conflict with those frequencies. Of course EQ can be used more creatively and obviously as an effect if you are making creative music. Dancefloor DJs often make use of EQ filters for effect. Just be aware you are affecting the whole mix and could be tiring your listeners’ ears by using unnecessary or drastic EQ in music, meaning they won’t be keen to listen to the music too much.

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Benefits of Flaxseed Oil vs Benefits of Apple Cider Vinegar

What are the benefits of apple cider vinegar? What are the benefits of flaxseed oil? Is flaxseed oil or apple cider vinegar better for you and your body? These questions will be answered in this article. There are many benefits of both of these products. These health benefits for your body are due to major ingredients in each. The three main ingredients in flax seed oil that contribute to your health are lignans, omega 3 fatty acids, and fiber. The three main ingredients in apple vinegar are potassium, calcium, and vitamin C.

Other ingredients in flaxseed are:

– Mucilage,

– Vitamin E,

– Vitamin B,

– Calcium,

– Potassium,

– Manganese,

– Magnesium,

– Zinc.

Other ingredients in apple cider vinegar are:

– Vitamin C,

– Vitamin E,

– Vitamin A,

– Vitamin B1,

– Vitamin B2,

– Vitamin B6,

– Provitamin beta-carotene,

– Vitamin P.

Benefits of Apple Cider Vinegar:

– helps with arthritis

– helps with asthma

– can lower blood pressure

– can help strengthen bones

– can help lower cholesterol

– can help lower risk of cancer

– benefits heart

Flaxseed Oil Benefits:

– Helps lower blood pressure

– Helps lower cholesterol

– Reduces the risk of cancer

– Protects against heart disease

– Aids the growth of hair and nails

– Promotes healthy skin

– help relieve constipation

– helps reduce acne

Personally, this comparison appears to end in a tie. I can not draw a conclusion as to which product is more beneficial to your body. Another important piece of information to look at to supplement this comparison would be the side effects of the two products.

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Introduction to Different Types of Surgery

In a surgical procedure, incisions are made in order to treat a disease or injury. The tissues are cut to allow the required manipulation. Surgery is of different types, and they are divided into different classes on the basis of many factors like the surgery timing, purpose, and the type of equipment used.

The art of surgery is also known as “surgical procedure” or “operation”. Primarily, surgery is done by a surgeon. Typically, he performs the surgery with the assistance of other specialists like a surgical technologist, circulating nurse and anesthesia provider.

Types of Surgery

There are many types of surgery. Based on different parameters, they can be put under many categories.

Timing Based

This category involves different types of surgeries based on need and urgency.

1. Elective Surgery

As the name suggests, this type of surgery is optional. This type of procedure is planned in advance and is not ideal to deal with an emergency situation. Many procedures come under this category of elective surgery, such as cosmetic surgeries.

2. Semi-Elective Surgery

Semi-elective surgery is done in order to save a patient’s life. However, it can’t be done in an emergency.

3. Urgent Surgery

As the name suggests, urgent surgery is done only when the patient is stable.

4. Emergency Surgery

This type of procedure is done without any delay as the patient’s condition requires it. If not done right away, the patient’s life may be at risk.

Body Part Based

Based on the body part, this type of surgery is done. Usually, it’s done on a specific structure or organ system. Let’s know about other types.

1. Gastrointestinal Surgery

Gastrointestinal surgery is done in the digestive tract and the related organs, such as the esophagus, rectum, large intestine, small intestine, and stomach. Aside from this, it includes pancreas, gallbladder, and liver.

2. Orthopedic Surgery

This involves the muscles or bones of the patient. This medical specialty is related to the diagnosis, treatment, and prevention of the injuries of the nerves, tendons, ligaments, joints, spine, bones and muscles.

3. Cardiovascular Surgery

It involves the surgical treatment of different disorders and diseases of the blood vessels and the heart. Examples include open heart surgery and vascular surgery.

4. Gynecology

This surgical specialty is related to the female reproductive system i.e. ovaries, vagina, and uterus.

5. Neurosurgery

This specialty involves the treatment of different disorders of the peripheral nerves, spinal cord, and the brain.

6. Ophthalmology (Eyes)

Ophthalmology diagnosis and treats different disorders of the eye. Some common conditions include conjunctivitis, glaucoma, and cataracts.

7. Oral and Maxillofacial Surgery

This dental specialty helps to perform the diagnosis and treatment of many injuries, diseases, and defect of gums, teeth, and mouth. In other words, doctors perform these procedures for jaws repair, palate repair, facial injury repair and the repair of wisdom teeth.

8. Otolaryngology

Otolaryngology involves the procedures that treat the neck, head, nose, ears, and throat.

So, this was a brief introduction to different types of surgery based on body parts and timing. Hope this guide is helpful.

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Hospital 3 Day Diet – Birmingham Hospital Diet Review

The Hospital 3 Day Diet, which is also known as the Birmingham Hospital Diet, has become popular due to claims that the diet was created as a means of enabling patients intended for surgery to lose up to 10 lbs in weight over a period of three days. Other sources attribute the origin of this diet plan to the University of Alabama.

It should be noted that these institutions do not make that claim and do not accept any responsibility towards those who follow the diet.

Notwithstanding the uncertainty of its origins, there is little doubt that this simple diet plan has become widespread and that many people have used it, often coming across the weight loss strategy under one of its many names. Apart from the Hospital 3 Day Diet, it is also known as Alabama 3 Day Diet, 3 day Tuna Diet, Tuna Fish Diet, 3 Day Cardiac Diet, and others.

The content of these weight loss diet plans is very similar and will here be treated as essentially the same.

A key element of the Hospital 3 Day Diet is that it contains a low daily calorie level of about 1,000 calories with specified ingredients to provide the protein, carbohydrates, fat (very little) and other nutrients that we need to survive. For a full description of the menu plan, do a quick search for my article “3 Day Tuna Fish Diet – Menu and Diet Plan”.

In brief, the plan outlines the foods to be included for breakfast, lunch and dinner over a three day period.

There are many reports of weight reduction from those who have followed the diet. The amount of claimed weight lost during that time varies, as might be expected with so many differing metabolisms and food requirements being involved. However, a minimum weight reduction of at least 2.5 lbs does seem attainable and likely.

Much of the weight loss from a diet of such a short duration probably comes from water loss. As well, with a calorie count of about 1,000 this would be well below normal requirements for most adults, so energy expended would also account for some of the loss.

However, whilst not a ‘starvation diet’, the Birmingham Hospital Diet is likely to generate user problems if continued beyond the recommended 3 days. For instance, it is normal for our bodies to make adjustments when a food shortage is detected. This is a survival mechanism which protects us when little food is available, as in times of famine. The body slows metabolism and conserves fat stores to enable us to survive longer with less food. This actually makes it harder to lose weight, we have less energy and tire more easily. Not a satisfactory long term condition!

Although there may be some short-term loss advantage, the feelings of hunger experienced by the end of the diet encourage extra food intake after the diet has been completed. A better alternative is a program that does not produce a craving for food, does not cause the body to slow its activities, and takes into account nutritional requirements so that changes in eating habits would allow fat loss to happen over a longer period and be lasting.

Rather than following a simple, low calorie diet plan, losing weight over an extended period allows other tactics to be employed in the plan, such as ‘calorie shifting’, placing greater emphasis on fat loss and adequate nutrition. This is more likely in the long run to provide health benefits and sustainable weight loss.

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Stephen King Is More Introspective in His New Novel Doctor Sleep

In Stephen King's new novel, Doctor Sleep , King brings back the character of Danny Torrence, the little boy in The Shining . In interviews King says that when fans ask about the fate of specific characters (the one's that actually live through the horror), he's been more interested in the those that question the fate of Danny. I think most people who have seen the movie remember the cute little boy on a tricycle with a bowl haircut racing down the empty corridors of the overlook hotel. Later to run from a mad "white knuckle alcoholic" who was his father.

Doctor Sleep is, in my opinion, semi autobiographical. Like Duma Key , which deals with the aftermath of a man who is in a horrendous accident (like King), Doctor Sleep deals with the reality of what it is like to be a recovering alcoholic. I did not know King was an alcoholic, but he has been in recovery for over twenty years. So he knows the depths to which one can plunge as well as the difficulties in trying to remain sober. In Doctor Sleep , Danny is an alcoholic like his father and a chain smoker like his mother (who, in the novel, has died of lung cancer). When writing the book, King's son, Owen, told him that the "plunge" he had given Danny, now Dan, was not far enough to equal the plunge Dan's father, Jack, had taken. King takes his advice. So, if you don't want gross, speed read ahead. Dan, after having picked up a girl, gotten in a fight, spends all of his paycheck on cocaine, wakes up still drunk and has to go to the bathroom. "Another lurch from his unhappy gut … That released all of the puke triggers: the vinegar smell of hard cooked eggs in a big glass jar, the taste of barbecue-flavored pork rinds, the sight of french fries drowning in a ketchup nosebleed . All of that crammed into his mouth last night between shots. He was going to spew … "And that he does in spectacular fashion. But that leads to the main reason for the scene … Dan's plunge. As he's leaving the bathroom, out of another room comes a toddler with a baggy diaper full of everything a baby discards, sees the coke on the table, runs to it crying, "canny, mama, canny!" Danny keeps him from getting the "canny" and the little boy falls asleep with his drunk mother. Danny notices bruises on the little boy's body. While the mom is passed out, he goes through her wallet taking all of her money. Justifying this by saying she'd been the one who made him spend his paycheck on coke. The taking of the money haunts Dan. And the bruises on the little boy haunt Dan. This, to me, is the real crux of the novel. Dan can not get beyond the demons of his past, his murderous, alcoholic father, the dead but not dead people from the overlook who visit him leaving behind pieces of their rotting, putrefying bodies and the mother with her bruised baby boy. Dan discovers "that memories are the real ghosts" and that, "you take yourself with you, wherever you go."

Of course in every King novel there has to be some type of supernatural forces causing havoc. In this novel, King expands on the concept of "the shining". It's the ability to read other people minds, or move objects, or project out of one's self. Dan has it and so does a young teenage girl named Abra. In Doctor Sleep , they have to battle a bunch of centuries old serial killers, the True Knot, disguised as RV driving pensioners who literally feed off the pain of others. They only feed on those with "the shining", and they make their deaths particularly brutal. It makes for better "steam". They get a big kick out of 9/11 and other tragedies. The leader of this group, a woman named Rose, has a tusk. In Doctor Sleep , Dan fights his past with much greater dread and sense of terror than he does the woman with the tusk. Dan does, through AA, "come to know a new freedom and new happiness." He also comes to realize that he "will not regret the past nor wish to shut the door on it." With this novel King, apparently, is not shutting the door on his past.

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Gracefully Accepting Feedback – A Key Employment Skill

Accountability is more a buzzword than a way of life at most companies.

The average employee has never received real quality negative feedback – the kind of feedback that might help startle him or her out of career-dashing behavior and toward a more lucrative and successful work life.

Smart employers realize that people are their only sustainable competitive advantage. Companies hiring this year will be looking for people who are highly capable in their fields of expertise and who energize the other people with whom they work. This will hold true for traditional employees as well as independent contractors who will continue to make up a larger and larger part of the workforce.

Don't wait for this new world of employment, prepare yourself now to get the feedback from others that will help you develop into the powerful person you can be. First, begin to change the way you feel about receiving feedback. Listen to the messages you get from those close to you: your spouse, children, close friends, other family members. Write them down and consider them as food for thought. Begin to analyze common pieces of feedback objectively and develop ideas about what you might do if you wanted to change their perceptions.

A key factor to remember about all feedback: it is one opinion coming from another individual's unique perspective. It is up to you to consider it thoughtfully, compare it to other feedback you have received and do something positive with it. It is impossible for us to see ourselves as others see us, but very important that we don't allow these blind spots to jeopardize wonderful opportunities.

Here's a system for taking in feedback for maximum benefit:

  1. When receiving any feedback, listen without comment, looking directly at the person. When they have finished, don't make any statements, but do ask questions if you want clarification. Don't accept, don't deny and don't rationalize. Because we are rarely taught to give feedback well, you will often get feedback when the giver is angry about something in the moment. Quality feedback may be emotional when it touches a heartfelt issue, but it is not abusive. If a co-worker's critique gets to this point you should ask to stop the discussion and have it at another time when cooler heads prevail.
  2. Recognize the courage it took to give you the feedback and consider it a sincere gift intended to help you grow. Thank the giver for feedback – make it short, but something you can say sincerely, such as "You've really given me something to think about, thanks." It is hard to feel real appreciation when you hear negative messages about your behavior, so it is important to have simple words of gratitude prepared ahead of time.
  3. Immediately write down all you can remember of the feedback, recording as many words used by the giver as possible. Allow yourself at least 2 days to process the information, taking no action to change your perceived behavior. Watch what you do and how other react to it. After a few days, go back and look at your original notes. Take out the emotion-packed words and look for the basic message.
  4. Know that feedback can be tough to receive, even if we solicit it and are grateful for it. Although it is simply another's perception, it can shake up your feelings about yourself. Plan to do something nice for yourself when you know you are facing tough feedback. Try to do something that bolsters self-esteem – dinner with friends, or engage in an activity that you are particularly good at.
  5. Discuss the feedback with friends or others whose opinions you respect, but ask them not to react to the message. Tell them you are only looking for sympathy for the difficulty of going through a rigorous self-development process, but that you don't want them to agree or disagree with the feedback. It would be normal to want to invalidate negative feedback, and to get others to help you, but you will lose what may be a critical grain of truth if you do.
  6. Use feedback in a positive way as soon as practical, not with the giver, but with others. Over time you may even want to tell others to lightly remind you if you slip back to old ways. "Jack, I don't want to bug you, but you asked me to remind you if you started to get behind on those reports."

You are ready to receive feedback when you:

  1. Want to know yourself as others see you and you are clear that this is their perception, not necessarily what is true about you inside.
  2. Trust your co-workers to care enough about your development to risk giving their opinion.
  3. Have a place outside work you can talk it through.
  4. Have opportunities for additional feedback so you get validation of the changes you have made.

Things you can do now to get more feedback at work:

  1. Find out if your employer has a 360 degree review program or is willing to allow you to work with your human resources department to develop a feedback program tailored to you.
  2. Look back at old performance reviews and see if there are common comments you can use.
  3. Consider hiring a personal development coach to give you alternative methods of getting feedback, such as personality testing.
  4. Decide to use the feedback to get a promotion or change career direction so that you have a reason to get involved in the process.

As you get to know yourself better, feedback will become less painful. You learn how to put it into a larger perspective and how to allow it to help you achieve your dreams.

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Basic Java Interview Questions

Java today is one of the most sought programming languages ​​by developers and programmers all over the world. The Java platform is being used for development of all kinds of rich applications in phones, tablets, desktops, speakers & other IT enabled software. Thus, demand for Java developers has increased in the market & everybody is jumping on the bandwagon to secure the job of a Java developer. So if you are also in the race & are going to face technical Java interview questions during recruitment but don't know where to look for the basic Java interview questions, then a complete ready reckoner guide is here for you.

1. What is Java?

Java is a platform independent & object oriented programming language called OOPS. This language was discovered by Mr. James Gosling of Sun Micro systems in early 1991.

2. What is class & define abstract class in Java?

In simple Java terms, class refers to a group of similar objects with the same attributes (data structure) and behavior (function). Java consists of different types of classes such as abstract class, interface class, etc. Abstract class is a differential implemented class (means some portion of this class can be fully implemented during execution while other portions can not be fully implemented).

3. What is the difference between an interface & abstract class in Java?

An abstract class has no direct instances in the system & consists of methods inside the code strings, while such a feature is absent in the interface class.

4. Explain some of the basic features of Java.

Here you can explain many features of Java such as:

  • Java is reusable
  • Unlike other programming languages, Java gives the main emphasis to data instead of procedure – thus making it more user-friendly.
  • Java is a very secure language as none of the data can be accessed by the external or third party function directly without the first user's permission.
  • Java is platform independent.

5. Explain the difference between a queue & a stack.

The basic difference between a queue and a stack is that a queue works on FIFO concept (that is, first in first out rule) while the stack works on LIFO concept (means last in first out) rule.

6. What do you mean by Java packaging?

Java packaging helps in neat & concise filing of different classes into the respective directories, thus making it easier for the user to categorize the data properly. So if you are dealing with various modules & want to organize your files into proper classes without much hassle, then Java packaging is the apt solution for you.

Besides these basic Java interview questions , you will be asked to write some basic programs in Java language explaining different commands used in each step by the interviewer. The interviewer may also give you some already written programs & you have to find the error (s) present in any steps of the given program stating the reason of errors present with proper logic. So just brush up on your Java fundamentals from any resources available to you & practice some programs execution & running on the computer to master the language & sail through the Java interview questions easily.

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Personal Finance: Sound Money Habits To Start Now

“I just got my tax refund, it’s time to go on a vacation!” I can’t tell you how many times I heard this growing up and now see daily on social media. I recognized early in life that the way I managed money was very different than most people I knew. It has always puzzled me because I never quite understood how people could spend money without ever giving a second thought to saving or retirement. Following are some basic habits you can start now to help secure your financial security in the future:

1. Saving for retirement as early as possible is the most beneficial thing you can do. Even if it is just $50 per month, which is the minimum for most plans, you could be setting yourself up with thousands upon thousands of dollars at retirement. The earlier the better. For example, a 25 year-old who saves $200 a month until age 65 and earns exactly 6% on saved funds annually would have accumulated around $400,000. But a 40 year old contributing the same amount each month at the same earnings rate would have accumulated only $139,600 by age 65.

2. Never carry a balance on a credit card with an interest rate. This is one of the fastest ways to build an amount of debt that could burden you for the rest of your life. When you do need to use credit and you’re unable to pay in full each month, seek out a 0% interest card. Many promotions are from six moths up to a year or more. If used responsibly, they are essentially a free loan. Just be certain to pay their entire balance before then end of the term or you’ll end up with retroactive interest that could add hundreds of dollars (if not more) to your obligation.

3. Instead of buying a new car or a lease, try to save up and buy a good used car for cash. What you save between interest, depreciation, taxes, plates and insurance will save you thousands. According to, buying a car that is two years old is your best bet because you avoid the biggest depreciation drop. Owning it for three years and then selling will also benefit you because you see another large drop after year five due to long-term maintenance that is generally required at that point. If you cannot afford a two-year old car without having to borrow, then getting one a little older with the long term maintenance repairs done (and low miles if possible) is your best bet.

4. Avoid eating out if you can. The average American eats out 4-5 times per week spending on average $232 per month or about $2,700 per year. If you skipped eating out for two years you would have actually saved enough to buy a good used car like point three above.

5. The last thing, and arguably the most important, is thinking long-term. The worst way to justify spending is doing so on an individual basis versus the monthly or yearly aggregate. Take eating out for example: while it might only cost you $10 a meal, don’t fail to consider that if you did this three times per week for a year, you would have spent more than $1,400. This same logic can be applied to virtually anything-clothes, vacations, furniture, coffee, expedited shipping etc. Anytime you’re about to spend money think to yourself, okay, how much will this end up costing me each year.

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