Why Buying A Used Car Is The Smarter Decision

Shopping for a new car is an exciting adventure but also can involve a lot of running around, dealing with different car dealerships and doing a lot of research. New cars are expensive.

According to reports, in 2015 the average price of a new vehicle was at $33,500 and right when you leave the dealership and hit the road in your new vehicle, the value of your car almost immediately drops at least 11%. A new car’s value also falls nearly 20% each year, lowering the value by almost 30% during just the first year.

That sparks the question, why wouldn’t everyone buy a used car? The reasons vary from wanting you to be the first and only owner, knowing what you are buying and not wanting to do the proper research.

While a brand new car should never be looked at as a bad investment, there are other options which can save you thousands of dollars and the difference in vehicles is not often far off.

For instance, if you shop around, go to dealerships and find the type of car you want, you shouldn’t stop there. Keep on shopping and look for used vehicles of that same model, depending on usage and mileage, you can save over $10,000 in some cases.

Many people think used cars are broken or beat up. And while that may be true, more likely than not when someone is selling their old car it is still in fine condition and they are probably looking for a change as well. Doing the right research and working with the right people is important to finding yourself the best deal out there.

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Online Business Degrees

Have you have made the decision to get an online business degree but do not quite know what business area to specialize in? If you are looking for flexibility, it is hard to think of another field as vast as business. Online business degree programs tend to incorporate classes from all specialties of business, giving you the knowledge to tackle any business project. You may choose a general online business degree such as an online business administration degree or you may specialize by pursuing a specialty such as an online accounting degree. To help you decide, here is what you can expect to learn in the many online business degree programs that are offered.

Online Accounting Degree
Accountants are essential to all organizations, as accountants log income and assets. To remain competitive today’s economy, organizations are actively seeking job candidates who are thoroughly knowledgeable of accounting theories and practices. Upper level positions in accounting are always available for those with the essential understanding of generally accepted accounting principles practiced in today’s accounting profession. An online accounting degree will provide you with the knowledge of financial, managerial and tax accounting practices. Besides organizing and preparing a company’s financial statements, accountants are may also get involved in projects such as reviewing new accounting technology and evaluate financials for mergers and acquisitions.

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The Factors That Affect Your Pennsylvania Auto Insurance Rates

What factors affect the cost of your Pennsylvania auto insurance rates? It is important to understand these factors in order to find cheap Pennsylvania auto insurance rates because after all; who want to pay more for their PA car insurance policy than they have to?

The state of Pennsylvania like many others has their own requirements when it comes to automobile insurance. The state that has approximately 12 million people is home to many big cities such as Pittsburgh and Philadelphia. Rates change accordingly to where people live and what they drive. It is important to understand that rates are not the same for everyone and that there are many different things that you can do to lower your rates. Below you will find out some valuable information about automobile insurance rates in Pennsylvania and some key information about how rates are calculated.

Pennsylvania Auto Insurance Rates Of The Past

Although there is not exact figure of the average rate of car insurance premium that the everyday Pennsylvania resident pays nowadays, there are statistics that show how much they had paid in the past. In the year 2003 the average Pennsylvania premium was about $909 compared to the national average of about $914. It is important to understand that the premiums have been on the rise since then simply because automobiles have been converted to a necessity instead of a luxury. It is also known that the first drop of automobile insurance rates came in 2007 when most premiums dropped from 0.5 to 1% and in 2008 and beyond experts predict that the rates will go up again!

Determinants Of Automobile Insurance Rates In Pennsylvania

The PA automobile insurance industry like many others has determinants on how their rates are calculated. It is important to understand these important factors because the more you know about what determines your rate, the more money you may be able to save.

1. Place of Residence: One of the most important determinants of your PA car insurance rates is your place of residence. If you live in a rural community you will not pay that much in car insurance simply because the likelihood of an accident is not that great. On the other hand if you live in a big city like the ones mentioned above, you will have to pay more per month. Add to the many traffic jams and the number of accidents and the risk of your vehicle being stolen and the premium will increase to a great degree.

2. Your Age and Gender: This is one of the most important determinants of the rates in Pennsylvania automobile insurance industry. The rates in the auto insurance business are high when you are a teenager and you are starting to drive, are lower when you are a middle aged American (usually from 26-50) and then they get high again when you become a senior citizen. A reason for this is that teens and senior citizens tend to have a higher accident risk than do middle aged people. Your gender will also be a determinant because although there is a common widespread idea that women drive worse than men, it is men who get in more accidents than women because they tend to drive more aggressively. Because of this men’s rates are usually higher than those of women.

3. Vehicle Type and Year: This is very important because it is the most used determinant when it comes to insurance companies coming forth with a rate. Every year insurance companies get a top 100 countdown of the cars with the most injuries after an accident and the ones that are at the highest risk of being stolen. Those cars at the top of both categories will be the ones that will be expensive to insure because they are of more “risk” to the insurance company. Another thing important to highlight and that may be bad for those drivers that own sports cars is that insurance companies usually charge those drivers a lot more for car insurance. The reason for this is that in the automobile insurance business speed is associated with accidents and although some may argue that it is not fair to discriminate against sports car owners, the auto insurance industry does just that.

4. Credit Report: Many people don’t understand why this has anything to do with the rate of your automobile insurance. The truth is that for any insurance in the market nowadays, credit report is very important. If you have a good credit report you will have to pay less money than someone who doesn’t have good credit. This is simply because auto insurance companies are protecting themselves from those drivers that cannot pay regular monthly premiums.

Pennsylvania Automobiles With The Highest Car Insurance Rates

Most Expensive for Theft:

1. Four-Wheel drive Cadillac Escalade

2. Chevy Corvette Convertible

3. Four-Wheel drive Lincoln Navigator

4. Four door Jeep Cherokee

5. BMW Series 3 Convertible

Most Expensive for Injury:

1. Four Door Suzuki Esteem

2. Four Door Kia Rio

3. Two Door Mitsubishi Mirage

4. Four Door Kia Spectra

Most Expensive for Collision:

1. Four-Wheel Drive Subaru Impreza

2. Four Door Lexus IS 300

3. Two Door Hyundai Tiburon

4. Two Door Porsche 911

5. Acura RSX

Pennsylvania Auto Automobiles With The Lowest Car Insurance Rates

Least Expensive for Theft:

1. Buick LeSabre

2. Buick Park Avenue

3. Volvo 720 Station Wagon

4. Four-Door Mercury Grand Marquis

Least Expensive for Injury:

1. Two-wheel drive GMC Sierra 2500

2. Chevy Silverado 2500

3. Four-Wheel Drive GMC Yukon

4. Four-Wheel Drive GMC Sierra 2500

5. Two-Wheel Drive Chevy Tahoe

Least Expensive for Collision:

1. Two-Wheel Drive Ford Excursion

2. Four-Wheel Drive GMC Safari

3. GMC Sierra 2500

4. Four-Wheel Drive GMC Yukon

Go Find The Cheapest PA Car Insurance Rates!

If you paid attention through the entire article you may have seen that rates do not only depend on one thing, but they are many factors that work together to determine your PA car insurance rates. If somehow you fit under the categories of factors that will allow you to have a lower rate then congratulations! If on the other hand you live in a big city, drive a sports car, and your vehicle is at the top of the lost of most stolen vehicles then don’t panic; you can still find a well priced policy. Just make sure that you look around and do you homework because the more you search the better your rate will turn out to be!

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Importance of Performance Parts in an Automobile

Everyone loves cars and bikes. When we speak about automobiles, we often indulge in a talk discussing power and performance of a vehicle. Many individuals love their cars. They often try to find ways to increase the performance of the car or a bike. The performance of a vehicle is increased by replacing the regular parts with “performance parts”. The selection of a performance part depends on the need of the user. One wishes to increase the power while other may wish to increase the mileage. Every need has performance part and is developed to deliver the same. It is necessary to select the best part for the vehicle.

There are important factors that one should consider while they look out for such parts in the market. The process of selecting a performance part is tedious as there are many companies in the market. Buying an expensive part does not really mean that one has the best solution available to increase the performance of the vehicle. It is necessary to take into account the model and year of manufacturing of the car to select the best parts for improvement in performance. There are people who indulge in extreme actions to fulfill the need to replace a regular part with a performance part.

The addition of such parts increases the value of the vehicle. Customization has good demand in the market. A vehicle that has been customized with high performing parts installed in it sells for a good price. Such vehicles are often displayed at motor shows. People love cars that are highly performing. The inclusion of the parts increases and modifies the engine. There is an increase in power development, the balance of the vehicle, improvement to exhaust system and braking system. Every user has a set of specifications and work through it by installing the right part.

Performance parts are also used by regular drivers and individuals who love to modify their vehicle. This improves the working condition of the vehicle. When there is an increase in the performance of the vehicle, there is an equal increase of life span. Reputed and high quality parts from leading manufacture are expensive. Though most people do not have the luxury to afford such expensive parts, they can still improve the performance by choosing locally manufactured parts. They have the same functionality as that of a branded part. Searching for such parts is a good practice to reduce the overall expenditure.

There are a number of parts available that improve the performance of the vehicle. Searching over the Internet will give complete details about these parts. Replacing the parts in the correct way is essential. Looking for a reputed mechanic is also essential. The mechanic should possess experience in handling different vehicle and replacing the parts properly. It is also important to take advice before changing a part in the vehicle. Minor changes can improve power development, safety features and comfort of a vehicle. Choose the best and affordable parts that are high quality for improvement in overall performance of the vehicle.

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Define Motivation

Motivation can be defined in a number of ways. Generally, it is defined as a driving force that initiates and directs behavior. In other words, motivation is a kind of internal energy which drives a person to do something in order to achieve something. It is a temporal or dynamic state within a person which is not concerned with his/her personality. There are different types of motivation such as achievement motivation, affiliation motivation, competence motivation, power motivation, and attitude motivation.

Motivation is based on three specific aspects such as the arousal of behavior, the direction of behavior, and persistence of behavior. Arousal of behavior involves what activates human behavior and direction of behavior is concerned with what directs behavior towards a specific goal. Persistence of behavior is concerned with how the behavior is sustained.

Various studies have been conducted to understand the different motives that drive a person to success. Motives are categorized into three: homeostatic motives, nonhomeostatic motives, and learned or social motives. Almost all the motives belong to one or more of these three groups.

Motives such as thirst, hunger, respiration, and excretion are included in homeostatic motives. Nonhomeostatic motives include required activities such as seeking shelter and curiosity about the environment. Curiosity, a desire for novelty, power, achievement, social affiliation, and approval are considered as learned motives or social motives.

Motivation is essential to be successful in any endeavor you undertake. It can be positive or negative, subtle or obvious, tangible or intangible. It is very important in workplaces as it plays a key role in the effective performance of employees. In industry, managers play a significant role in employee motivation. They use different motivation techniques to improve productivity, thereby promoting cooperation between employees and employers.

Learning is somewhat interrelated to motivation. In education, instructors also use motivation techniques in order to motivate the students to learn. It is essential to increase student motivation as it can make a student more competent. Also, motivation encourages self confidence and problem-solving skills.

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Motivation Management Is the Key of Change

During my career, I have learned that motivation is the most important factor of change.

I have seen people who have overcome their addictive behavior only with the high motivation. In addition, I have many people who continue their addictive behaviors despite the fact that they enjoy the various opportunities, such as professional consultants, hospitalizations, participation in meetings of famous recovery groups, and support by good families, friends, and community.

Their motivation is low for giving up their addiction, and their motivation for doing addictive behavior is high. Motivation determines whether one overcomes addictive behaviors or continues them. Therefore, motivation management is the key to change. This is because habit change requires not only an increase in motivation to quit addictive behavior, but a decrease in motivation to continue the addictive behavior.

I think the motivation management includes two basic principles:

1. Ability to raise and lower motivation.

2. Ability to increase motivation while changing.

Ability to raise and lower motivation Source of the motivation, is the need. When a need is activated, it creates a motivation for extinguishing itself.

Needs are activated by attention, too. The more people pay attention to stress and anxiety and how to get rid of them, and pay attention to the enjoyment drug use produces, the more they feel are motivated for using. In contrast, whenever people pay attention to the costs and risks of long-term addiction, the motivation of quitting drugs or addictive behaviors will increase.

“Selective attention” is a simple act and strong technique that it is used during the thousands years by religions and ideologies for motivating their followers. Today, SMART Recovery benefits from this method and uses the Cost-Benefit Analysis (CBA) for enhancing motivation to change.

The CBA has four categories of questions:

1. What do I enjoy about my addiction? What does it do for me (be specific)?

2. What do I hate about my addiction? What bad things does it do to me and to others (give specific examples)?

3. What do I think I will like about giving up my addiction?

4. What do I think I will not like about giving up my addiction?

Answering these questions develops awareness and increases the motivation for quitting. The more people do this exercise, the more they will tend to enhance motivation for quitting.

Ability To Increase Motivation While Changing

Overcoming addictive behavior is a process, not an event. Many people know how painful it can be to tread the path toward change. They want to change their addictive behavior immediately, with no discomfort and no urges, without changing their beliefs and values. Such people are like those who enjoy having reached a mountaintop, but hate mountain climbing; or like soccer players who get pleasure only from winning, not from playing.

They start with the high motivation, but they lose their motivation gradually and the most of them do not reach to their goal. Few people that reach to the end of the path. They go through the entire path with anger and complaints. In contrast, those who enjoy the way their motivation increase quickly. And reach the goal with joy and lightly. Rumi believes that loving the path not only increases the motivation for us, but also carries us to the goal. He has beautifully expressed this fact in the story of a thirsty person.

On the bank of the stream there was a high wall,
painful thirsty person was on the top of the wall.

His obstacle for reaching the water was the wall;
He was in distress for the water, like a fish.

Suddenly he threw a brick into the water:
the sound of the water came to his ear like spoken words.

The water was making a sound, that is to say, (it was crying), “Hey,
what is the advantage to you of this throwing a brick at me?”

The thirsty person said, “O water, I have two advantages:
I will never give up from this work.

The first advantage is (my) hearing the sound of the water,
which to thirsty people is music to their ears.

The other advantage is that, (with) every brick I tear off this (wall),
I come (nearer) to running water.

Anyone is more thirsty on the top of the wall,
He will tear off the bricks more quickly.

Anyone is more love with the sound of the water,
He will tear off the bigger brick from the barrier.

I think the main task of people who want to overcome addictive behavior is learning motivation management. Recovery groups, psychologists, physicians, and other people and organizations involved with addiction treatment would do well to establish an environment for helping clients/patients learn this skill.

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Motivation by Listening

Listening skills are a very powerful motivation factor.

Hardly any people are actually good at listening, being more interested in what they are going to say next. When you think about how many people you have met who can remember your name or what you said, you’ll find it is very few indeed. That generally seems to be the norm so when you do meet people who you think are good listeners, your feelings towards these particular people are usually more positive.

By that I mean you likely would place more trust and confidence in them. So because most of us find it very hard to listen, we are surprised by somebody who does listen and we tend to endow them with greater capabilities than they may possess.

This is the secret of motivation by listening. If we can learn to listen well, the people we listen to will be motivated and inspired by our attention.

Most salespeople consider themselves to be good talkers instead of listeners. You hear people saying: “He is a born salesman, he’s got the gift of the gab”. Many people believe that the speaker holds the power and that the listener is meek or docile. Actually you will find that the good listener has much more power in any conversation. The listener is able to gather more information than the talker and armed with information can then produce the desired result.

When two people are conversing, the one who really dominates the conversation is the person who is asking questions and listening carefully to the answers. When we want to motivate somebody to give their best effort, or to follow our direction, we will do so more effectively by listening to their responses to the situation.

Therefore the real job of the salesman is to listen carefully to his customers and understand their needs and concerns. Although they might ask you a few questions first, most successful salespeople will agree with this.

So what steps should you follow to create motivation by listening?

1. Repeat or rephrase so you can clarify the information given

2. Give useful information in return.

3. Listen for the emotions. Selling especially is often based on emotional factors more that objective facts.

4. Look people in the eye and make some reassuring gestures or tones to encourage the speaker.

5. Be careful not to distract the speaker – give them your full attention while they are talking.

6. Show that the discussion is important to you too.

Listening is an essential skill for making and keeping relationships. When you are acknowledged as a good listener people confide in you and trust you; as a manager of people or as a salesperson this is your route to success.

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It's a Doozie – The History of the Duisenberg Automobile Classic Motor Car

It can be said that many of the greatest things in life start off with humble beginnings. So is it with the Duisenberg Motor car. You may have heard the expression off times – "That's a Doozie" or "It's a Doozie". These are all references to a great car and car automaker of renown – the Duisenberg.

The Duisenberg began its life as the Auburn-Cord-Duisenberg. Ernest Lobban Cord began his career in the automobile industry in a most humble manner – as a simple repairer of model T Ford cars. It could be said that this start of the Duisenberg line met with even fairly mixed fortunes. – Mr. Cord said to have become a millionaire three separate times even before he reached the ripe and experienced age of 21 – losing his entire fortune fully each of the three times. Finally at the ripe old age of 30 years and with lasting and real wealth ,, Mr. Cord joined the failing Auburn company as its "general manager"., Bought a substantial share in the company and proceeded to bring Auburn back onto the path of financial security and wealth.

Aside from being obviously a clever engineer himself, Cord had the greatest ability and abilities to spot great talents and talents in others. As a result he spotted, hired and employed such classic notables and famous legends in the automobile trades as Gordon Buehrig, Harry Miller and Count Alexis de Sakhnoffsky. Next Mr. Cord promptly bought control of the Lycoming engine plant and the Duisenberg Company itself.

The Deisenberg brothers, Fred and August had originally begun by actually making bicycles in their adopted "home town" of Des Moines Iowa, before going into the sport of motor racing, building their first racing car in 1903. The Duisenberg Company itself was formed in 1912 to build race cars, and their success led inevitably to the manufacture of standard road cars. The first of the Duisenberg line of standard motor cars for the road and non-racing a driver was the Model A tourer. The Model A "Tourer" has been dated for the year 1920. It can be rightly said with truthfulness as well as knowledge that the Duisenberg road cars were more than heavily based on the knowledge and expertise gained from auto racing itself and were excellent examples of advanced engineering and automotive mechanical technologies of the time. The Duisenberg automotive product line quickly established a more than solid and well earned reputation on the roads just as the Duisenberg racing cars had collected a bevy of speed and racing records. Amazingly the Duisenberg racing group had taken the venerable race wins of Indianapolis in the years 1924, 1925 and 1927.

It can be said that Mr. Cord's tough leadership and empire-building ambitions had brought a most vital had brought a most effective combine into being and Auburn-Cord -Duisenberg proceeded to flourish in no uncertain terms. Unfortunately Cord's timing was particularly bad and all of his projects reached fruition in the same fateful year – 1929, the same year as the great stock market "crash". Miller, himself, patented his version of "Front Wheel Drive"

The following year – 1929 – in which for the first time the Cord nameplate itself was used – the L29 was introduced and released for sale. Designed by Carl van Ranst, it carried Miller's front axle setup. Next in line were such speedy and flighty cars as the Auburn Speedster which was had the distinction of being the first car line that stated and guaranteed that each car had been individually been speed tested to 100 miles per hour.

Hence the Duisenberg reputation as fine motor cars of great speed as well as beauty was born, cultured and maintained. It's no accident that the name Duisenberg carries such a reputation and notoriety among car aficionados.

The expression "It's a Doozie" has been well earned.

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Automobile Industry in India

The Automobile industry in India, which includes design, development, manufacturing, repairing and sale of cars, two-wheelers, three-wheelers, as well as trucks, buses and tractors, has witnessed an upsurge over the last few years and continues to boom even today. While India's automobile industry is one of the largest in the world, the country was the fourth largest exporter of automobiles in Asia last year. Additionally, as per the Automotive Mission Plan (AMP) 2006-2016, presented by the country's Ministry of Heavy Industries and Public Enterprises, India is a favorite investment destination for international auto-makers, many of whom have set up manufacturing divisions in the country , opening a whole new vista of job opportunities for engineers.

Choose your Lane as Automobile Engineers

A profusion of opportunities are available to fresh engineers depending on the specialization of their degrees including mechanical, automobile, production and electrical. Broadly, the field offers a variety of jobs in research and development, manufacturing, design, sales and services and components manufacturing segments.

Research and Development in Automobile Industry

The automotive industry is volume driven and requires a certain critical mass for attracting the much needed investment in R&D and new product design and development. Investments in the R&D segment are imperative for innovations that are crucial for achieving and retaining competitiveness. "Thus, increased attention is being paid to research and development in India. The industry is stressing on inventing new products and designs with increased frequency. Automobile Companies are scouting for fresh talent and fresher ideas. Another focus area of ​​growth is product improvement that involves power unit research, emission control, vehicle simulation, and testing and prototype validation.

Generally, engineers with a postgraduate qualification are absorbed into R&D activities in the industry. Speaking about what a job in the R&D segment would ideally entail, Development of new products and improvement of existing products and processes are focus areas in research centers. Automobile segment offers immense scope and flexibility for new entrants. For instance, a trainee engineer on the shop floor may be transferred into sales and services, subject to his potential and aptitude.

Automobile Production

A career in automobile manufacturing usually begins on the shop floor and requires one to manage and supervise it. Plant process improvement is one of the goals of all major competitors in the industry. Supply chain management is another area of ​​interest for job seekers dealing with logistics and optimization of value chains. One may serve at different levels of the production unit depending on one's academic qualifications and experience. Freshers can be absorbed to work in growing fields such as robotics, supply chain management or operations as per their specialization and aptitude. On the manufacturing front, one would handle operations such as procurement, material handling and quality control.

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Automobile and Car Locksmith Services

Many people think of a car locksmith when they lock their keys in the car and cannot get in it. A car locksmith can provide many additional services if you have locked the keys inside of the car. These services include rekeying the doors, ignition, emergency vehicle and trunk opening, key extraction, and much more.

Some people drive high security vehicles today that have transponder chips in them. You can start your car by the press of a button. Losing a transponder like this could seem devastating and if you call the manufacturer of your vehicle, they will charge you an arm and a leg. A car locksmith can actually help you with installing an entirely new system if you lose your keyless entry system.

The most common reason people call a locksmith is to get inside a locked car with the keys inside of it. Many women will put their purse and keys in the front seat, children in the back seat, and the groceries in the trunk, and realize they have locked their children in the car. This is extremely common, except it can be very dangerous on a hot summer day and the windows are up. A locksmith can pop the lock of the car and get you inside of it. However, a car locksmith can also open a trunk if you have locked your keys in the trunk. If you have lost your keys, no matter the type, a locksmith can help by rekeying the ignition and the doors.

A car locksmith is available 24 hours a day to assist people locked out of their vehicles. In most cases, it is usually cheaper to pay a locksmith than to call your insurance company to assist you. Most people have a deductible with their insurance company much higher than what the locksmith is going to charge you. Not all locksmiths accept vehicle insurance but most do. Any type of emergency lock service you need for a vehicle, it is best to call a locksmith.

Many people get into cars themselves when they lock their keys in it. The problem is that doing this can cause damage to the paint, the interior of the door, and even cause problems with the window. A car locksmith has the appropriate equipment to open a door quickly and gain you access. There is no reason to spend hours causing damage to a lock when a locksmith can take care of it.

Always call a car locksmith if you have troubles with a lock in a vehicle. If you have locked your keys in the car, if you cannot get in a locked trunk, if you need to rekey the ignition, and if you have lost an auto starting mechanism for a keyless vehicle, call a locksmith.

http://car-locksmiths.com/

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