How to Search for Apartments for Rent in Your Area

Moving can be quite the hassle with packing up boxes, throwing things away, renting a truck, and not to mention potentially injuring your back when you try to move a heavy piece of furniture. But there comes a time in everyone's life where they just need to move on, literally.

Maybe you need a change of location for a fresh start? Or depending you have decided that it was finally time to move out of your parent's home. In any case, before you even begin searching for apartments for rent in your area, you need to take a look at your current financial situation in order to determine if moving out is plausible for you. Here are a couple of questions you should ask yourself:

Can I Afford It?

If you have a stable job and income, then you should be able to estimate how much income you will have left after paying the rent. Keep in mind that rent should be your number one priority when it comes to paying your expenses on time. It should make up less than 30% of your monthly income. Or you should aim to have an income that is three times the amount of your rent.

Can I Afford the Fees That Are Due Upfront?

No, you're not allowed to move in for free. In fact, it might be best to start building up your savings account months in advance before you even decide to move. Although it may vary from state to state, apartments for rent, in general, require that you put down the first month's rent payment and security deposit even before you are allowed to move in. This, coupled with renting a truck and possibly hiring movers, can really put a dent in your wallet.

Do I Have the Required Documentation Required?

If you're a first-time apartment renter, then you should start saving your pay stubs two to three months in advance. This will assist managers in determining if you can afford the apartment or not. The required documentation will vary depending on what complex you're trying to get into, but in general you should be prepared to show proof that you have two banking accounts (checking and savings), employment information and dates, professional references, and a co -signer, if needed.

How Do I Find Apartments for Rent in My Area?

Glad you asked! After your financial situation is evaluated and you have determined that you can afford to move, the apartment hunt will begin. Most people opt to begin their search online if they have no clue where they want to move. Check out websites that have updated listings on apartments for rent, keeping your set budget in mind. However, if you have a set location in mind, then plan a day to drive out and observe the area on your own. Look out for signs on various complexes and take a moment to pause and read the atmosphere of the area. Doing this will help determine if you want to live in that particular neighborhood.



Source by Alfred Ardis

Automotive Redux – The 2010 Honda Insight

In 1999, Honda introduced the first mass produced hybrid car to the American market, the two-seater Insight. Oddly shaped and a bit out of place, it won the hearts of its owners as the car achieved an astounding 70 mpg, far outpacing anything else on the road. Alas, the Insight was never much of a sales magnet and was discontinued by Honda in 2006 as the Japanese automaker chose to offer a hybrid version of its popular Civic instead.

A new Insight is set to debut in 2009 as Honda seeks to gain fresh transaction in a high demand segment. Unlike the original model, the Insight will sport a cleaner design, get excellent fuel mileage, and be priced thousands of dollars less than the arch-rival Toyota Prius. In true Honda fashion the automaker is rather tight lipped about the new Insight, but we've gleaned the following information from our automated sources which we will share with you momentarily.

Introducing The 2010 Honda Insight

Yes, the Insight is on its way back to the states, in fresh form and ready to do battle. Here's what we know about this exciting model:

Styling cues from the FCX Clarity – Honda's test hydrogen vehicle is the FCX Clarity, an attractive model being tested in Japan and in California. Look for the Insight to borrow plenty of its looks from that hydrogen model.

Sharing components with the Fit – The Civic is no longer the tiniest of all Hondas, a distinction now associated to the Fit. Look for the Insight to use many of the same components found in the Fit while being powered by the same 1.3L engine found in the hybrid Civic.

Saving you money – Trying to find a Prius for $ 21,000 is nearly impossible with most models going out of Toyota showrooms priced at $ 23,000 on up. Honda says that the starting price for the Insight will be an industry leading $ 18,500!

Stretching your fuel further – Fuel mileage is the largest unknown with the new Insight, but this we do know: the car will beat the Prius and may actually top the original model's 71 mpg! Cars with air conditioning included (and running) will lower fuel numbers as will certain other variations, but topping 60 mpg on the highway and at least 50 mpg around town is a strong possibility for the Insight.

Honda Will Ramp Up Production

Honda has said that they plan on building 200,000 Insights annually with half those cars being shipped to the US. With gas prices hovering around $ 4 per gallon and a dearth of hybrid cars available, next summer's debut of the Insight will be welcome relief from pain at the pump for thousands of lucky drivers.



Source by Matthew Keegan

7 Ways to Save on California Health Insurance

Health insurance premiums are at a all time high they are going up at a rate of approximately 15 percent each year. So there has to be a way to keep your promotions at a level that is affordable I am going to explain to you how. California has 7 companies that compete for your business and as of the date of this publication there are a lot of new plans out there that are saving people 30 to 50 percent off their health insurance premiums each month I am going to give you some tips on how to do that today.

# 1 Hire a Health Insurance Agent (Health Benefits Specialist)

There are a lot of people that sell health insurance but are not health benefits specialist that maybe your auto insurance agent that happens to sell health insurance but only shows one company make sure you hire an agent that represents a variety of companies. Whether you purchase your policy from an agent or straight from the health company itself the price of your insurance will be same they are regulated by each states insurance commissioner. Therefore by hiring an agent you are going to get an unbiased opinion of all the plans available to you in the state of California as opposed to just the carrier telling you why they are greatest and the best. I work for my clients and not the insurance companies I find my clients the best plan for their needs and budget.

# 2. Switch to a Health Savings Account (HSA) Plan

HSAs are becoming one of the most popular health insurance plans in California. The concept is simple; you pay for expenses below the deductible at a discounted rate and the carrier pays for everything after the deductible. Most HSA plans cover preventative care as a first dollar benefit which means that your deductible is waived. The savings are significant they are typically 50% less expensive then traditional plans. How much could save?

Family Traditional Plan $ 550 dollars a month for a family of four

HSA Plan – $ 250 dollars a month for a family of four

Savings of $ 3600 dollars a year

# 3 Choose A Higher Deductible

Most people while choosing a plan opt for the lowest deductible possible, however, you are paying for that low deductible in the way of higher premiums and coming out ahead in the end. Choosing a plan with a higher deductible can save the average family $ 1,500 or more. How much can you save?

Family Plan with a 500 deductible – $ 680

Family Plan with a 2,500 deductible – $ 315

Savings – $ 4,380

# 4 Ditch The Co-Pays

Yes, you only pay $ 25 when you see a doctor but the question is how much are those co-pays actually costing? There are many plans now on the market with no co-pays, however all doctor visits are still covered. You simply pay the network discounted rate, which is usually only $ 15 to $ 25 more than the co-pay. How much can you save? Here's an example:

Family Plan with Co-pays- $ 425

Family Plan without Co-pays- $ 290

Savings- $ 1,620 a year!

# 5 Shop and Compare

There are at least seven (7) major health insurance companies in California each offering 12 plans or more on average. That's over 84 plans on the market. Well to be perfectly honest there are over 250 plans to choose from in California so you have a great selection of plans. It is a big mistake to think that similar plans have similar price. One carrier could charge $ 500 per month for a PPO plan with a $ 1,000 deductible. Another carrier could charge $ 350 for the same exact plan. So make sure you compare carriers.

# 6 Annual Policy Review

Every year many carriers come out with new plans with lower rates. When you choose a new plan you are typically getting the lowest rates in the market and can save 30% to 60% off your current promotions.

# 7 Look at plans with generic only prescription drug coverage

You can typically save 20 percent or more on your health insurance premiums by only getting health plans that have generic prescription drugs costs. So if you are healthy individual looking for coverage not on any medication this could be an alternative for you. More and more drugs now have a generic alternative so another suggestion to save money is to ask your doctor if they have a generic version of the drug you are on.

I hope you have come away learning something you did not already on how to keep your health insurance premiums lower in the state of California.



Source by Marc Hart

Bad Credit Consolidation Loans: How To Find A Lending Company

Some of us have incurred several debts over a period of time and find them difficult to re-pay. Well, getting bad credit consolidation loans is an excellent solution around this. There has been an increase in popularity with consolidation loans over the past few years and there is a surprisingly large number of lending institutions ready to offer a helping hand. The types of consolidation loans on offer are vast and flexible to each client.

Normally, the best way to pay off multiple debts is to find another loan with a lower interest rate. This effectively means that the balance of your debts will decrease while only a single lump sum will be due each month. It is not easy to find such loans, but with the proper research of the lending institutions in your locality, you can get one that will offer you very good rates.

It is important to find out if you can get a personal loan with your employer or a credit union. Most employers are willing to give their employees a total sum of the debts they owe as a lump sum loan. Typically, the interest rates charged are much less, but it is good to consult with the appropriate persons involved in order to get constructive feedback.

Most credit unions are willing to give loans for bad credit if your paycheck is set to pay it directly. Therefore, be on the look out for such loans as they can assist you to pay off those debts with high interest rates. They not only clear up your debts but they clear them quickly.

Several credit unions and banks are willing to offer loans off your car. This deal also includes those with bad credit since if you own a car, it can be a very good way of clearing up your debts. But ensure that you keep your car safe and properly maintained, and it is wise to consider the year model because some banks can turn down a loan request if the car model is too old.

Therefore, the older the car, the more interest you will pay since compare your existing debts with this kind of loan before allowing the bank to verify ownership and appraise the car.

It is also good to take a closer look at your home before going to apply for a loan. This is because home equity can get you a better, lower interest consolidation loan. Depending on the size of your equity, you can take out a loan that lasts as long as thirty years and this would be the most effective way of clearing all your bad credit. But with the housing and property market slump, this has become a diminishing source of loans.

Thus, with the several methods of clinching bad credit consolidation loans, it is wise for you to do comprehensive research to find the best rates available. Scout the internet because most reputed lending institutions have a web presence. Remember that debt consolidation does not actually lower the total amount of debt, it only changes the circumstances required to pay it since making life a bit easier.



Source by Susan Westbrook

Drive Your Business With the Automotive CRM Tool

If you are always scrambling for active leads, future leads, dropped leads, or sold cars, then your CRM data management is up for a drastic overhaul. You can not give the lame excuse that you're not computer savvy that's why you can not make use of the automated CRM tool. This is suicide if you're in business.

Car Dealers, Sit Up!

A sale a day keeps the bankruptcy at bay. Car dealers have to reach a target sales quota monthly to reap their rewards from the wholesale purchase of cars. That's how they make a living. If you're in the car business, you know how important it is to keep your customer information updated and manageable. The automated CRM tool saves all the trouble of wading through messy files.

If you are not computer savvy, or if your CRM staff is not that clever with computers, you still can not give the reason that the technology is beyond your ken. Software architects had this in mind when designing the software. They have made the features easy to use, and they did not design a rubic-like puzzle just to confound users of the software.

The screen layout of the software has recognizable buttons and have different color codes for different files. You can even keep track of the weekly appointments you have scheduled, so there's no time wasted; you have the customers well within your speed and mileage meter. You can also send your customers emails or chat them up.

You can even do a quick inventory of supplies and spare parts in just one go. You do not have to get up and rifle through old files to update anything needing a quick touch up. This expediency is not limited to your customer databank, but also extends to your suppliers' info tank.

Easy collaboration with suppliers from all over the globe makes it effortless for you to be updated about their latest products and stocks. You can always have first hand and consistent information to share with customers and target leads. This improves your customer care and services, helping your business pick up speed.

Efficient Collaboration

The automated CRM tool enhances your accounting methods. It becomes easy for you to track customer accounts and company expenses. You do not need many workers to manage your CRM databank. A fully trained employee can do the job of three persons efficiently with the CRM tool for automotive dealership.

You still have the option to let a third party manage your system. This comes cheaper because you do not have to pay for add-ons that may be required later or measures for your data security. Instead of paying the wages for a worker to manage your CRM, the service provider does this competently and costs much less when expenses are summed up.

The technology gives you the edge in sharing information with different departments in the business and with the car makers, gives better communication links with customers and suppliers, and helps personalize customer interaction.

Improved Sales

When there is a ready and updated file on customer information, it is easy to track leads and consistently follow them up, especially when there are new car models or spare-parts that have become available.

The automated CRM tool contains modules for sales force computerization and customer communications administration. Collection of customer data becomes efficient and the information that is collected is organized for easy analysis, which determinates consequent action.

With prompt action on leads and better customer service, sales is improved. Automotive CRM tool gives the business the better drive.



Source by Nahshon Wingard