Saratoga Coworks #coworking #ny


A workspace for like-minded professionals

Saratoga CoWorks is a collaborative coworking space for entrepreneurs,
independent professionals, freelancers and startups.

We are an Innovate 518 affiliate, offering support services to get your new
business started. Learn more about Innovate 518 at
or view the 2017 events calendar for Innovate 518.

We also are an affiliate of Spark Saratoga. the region’s new startup incubator
and early stage business accelerator. Learn more about Spark Saratoga,
including upcoming events, at .

Watch our short
informational video about us.

Get in touch with us to
schedule a visit.

Make your reservation today to become a part of the community.

Saratoga CoWorks offers professionals state-of-the-art shared workspace

SARATOGA SPRINGS, NY One year after opening its doors, Saratoga CoWorks is enjoying great success thanks to the growing popularity of the coworking concept.

Located in the Regent Springs Building (formerly the Skidmore College Theater at 153 Regent Street), Saratoga CoWorks offers a fully-equipped communal workspace where independent business professionals, entrepreneurs, and freelancers can rent workspace by the day or monthly.

Completely renovated prior to opening in early 2014, Saratoga CoWorks was designed by owners Dorothy Rogers-Bullis and Daniel Bullis (who also own drb Business Interiors) using top-quality, ergonomic office furniture from Knoll, HON, Artopex, National, SitOnIt, and ERG.

The space boasts state-of-the-art technology including enterprise-class Wi-Fi, and private conference and meeting rooms equipped with projectors and Apple TVs. With whiteboard walls, a kitchenette, natural light, personal storage space, and free on-street parking, Saratoga CoWorks offers independent workers the comforts of home with the amenities of a traditional office.

Meeting the demand for coworking space

As more companies allow employees to telecommute, and an increasing number of people are working independently from home, the desire for coworking facilities has grown. Many of these work-from-home professionals have realized that the isolation of their home office is not all it is cracked up to be, and achieving a work-life balance is challenging when the lines between home and work become blurred. These are often the people who turn to a coworking setup.

“Coworking involves a shared work environment where independent professionals and entrepreneurs can collaborate and flourish,” said Dorothy Rogers-Bullis. “We designed Saratoga CoWorks to encourage interaction among the diverse individuals who utilize this workspace and to offer an infrastructure for member participation and growth.”

A distinctive shared work environment

With its top-of-the-line furniture and electronic equipment, Saratoga CoWorks is unlike any other shared workspace in the area.

“We saw an unmet need for a well-designed, professional coworking space in Saratoga Springs,” continued Rogers-Bullis. “While most traditional offices focus on private workspaces, we wanted to create a unique facility with open spaces for open minds–where positive, creative energy could flow freely.”

“Saratoga CoWorks offers the flexibility to use the facility as much or as little as needed,” notes Daniel Bullis. “Monthly members have 24/7 access to the space, but we also offer daily rates for people who may be in town temporarily or have a one-day need for a meeting space for a group presentation or work session.”

The space offers benefits to start-ups as well as more established businesses.

“For new companies that are just getting started, Saratoga CoWorks provides them with a professional appearance, as well as a physical office address,” continued Bullis. “And for the seasoned company, we simplify the process of leasing and maintaining office space; the monthly membership includes all utilities and amenities.”

Connect, compose, collaborate

Saratoga CoWorks offers an array of packages and membership options. Rates start at $25 per day, and monthly memberships range from $250 to $350. For more information or to schedule a tour of Saratoga CoWorks, please call Dorothy Rogers-Bullis at 518-306-5233, or visit

Blood Tests to Diagnose Arthritis #arthritis, #rheumatoid #factor, #rf, #antibodies, #blood #test, #cryoglobulins, #lupus, #complement, #hla-b27, #anca, #cpk, #crp, #esr, #sedimentation #rate, #anti-ccp, #autoimmune, #sed #rate, #inflammation, #rheumatoid #arthritis, #sjogren’s, #lupus, #ankylosing #spondylitis, #diagnosis, #blood #tests, #ana


Blood Tests to Diagnose Arthritis

If your doctor suspects you have arthritis. he or she may have your blood drawn to determine which type of arthritis you have. In people with osteoarthritis. blood tests are not usually abnormal, but with other types of arthritis. including rheumatoid arthritis. certain tests will help with a proper diagnosis.

Here is a review of the different types of blood tests and markers used to diagnose arthritis and other inflammatory conditions.

What Blood Markers Are Used to Diagnose Rheumatoid Arthritis?

Rheumatoid factors are a variety of antibodies that are present in 70% to 90% of people with rheumatoid arthritis (RA). Rheumatoid factor (RF), however, can be found in people without RA or with other autoimmune disorders. In general, when no rheumatoid factor is present in someone with RA, the course of the disease is less severe.

Another test for rheumatoid arthritis that measures levels of antibodies that bind citrulline modified proteins (anti-CCP) is more specific and tends to be elevated in patients with rheumatoid arthritis or in those about to develop rheumatoid arthritis. The presence of anti-CCP antibodies can be used to predict which patients will get more severe rheumatoid arthritis.

Are There Tests to Determine Inflammation?

Yes. The erythrocyte sedimentation rate (ESR) reflects the degree of inflammation in the body. In healthy people, the ESR is low and it climbs with inflammation. It doesn’t point to any particular disease, but is a general indication of the amount of inflammation in the body. In lupus and polymyalgia rheumatica. the ESR often correlates with disease activity.

C-reactive protein (CRP) levels are an even better indication than ESR of the amount of inflammation present. In people with rheumatoid arthritis, if the CRP is high, it suggests that there is significant inflammation or injury in the body.

Both CRP and ESR levels are used to monitor disease activity and to monitor how well someone is responding to treatment.


What Tests Indicate Disorders Like Lupus?

The ANA profile is a series of tests that measure the presence of abnormal antibodies. The profile helps your doctor look for diseases such as Sjögren’s syndrome. lupus. drug-induced lupus, polymyostitis, and scleroderma .

When the ANA is positive, it indicates that you may have an autoimmune disorder, but the test alone can’t make a reliable diagnosis. If the ANA is negative, it is likely that you don’t have lupus.

What Does the Presence of HLA-B27 Indicate?

HLA-B27 is a genetic marker. In people with inflammatory arthritis of the spine and joints (not osteoarthritis ), a positive HLA-B27 test is associated with the presence of one of a group of diseases called seronegative spondyloarthropathies. This includes diseases such as ankylosing spondylitis (AS), psoriatic arthritis. and Reiter’s syndrome (also called reactive arthritis ). HLA-B27 is present in about 90% of people with AS, but the gene can also be seen in people with no sign of arthritis or inflammation.

What Does It Mean if Muscle Enzymes Are High?

When muscle enzymes — creatine phosphokinase (CPK) and aldolase — are high, it indicates a possible inflammatory muscle disease. Higher levels of CPK can also be seen after trauma, injections into a muscle, muscle disease due to an underactive thyroid. and while taking certain medications such as cholesterol -lowering statin drugs.

What Are Antineutrophil Cytoplasmic Antibodies (ANCA)?

ANCA are abnormal antibodies found in the blood in most people with Wegener’s granulomatosis. a disease that affects the upper respiratory tract, lungs. and kidneys. They are uncommon in other diseases, which makes them useful in diagnosing this particular disease. ANCA levels are sometimes used to follow the course of Wegener’s granulomatosis .

What Is the Complement System?

The complement system is made up of a network of proteins that involve the immune system and inflammation. Decreased levels of various components of complement — C3, C4, or CH50 — can be seen in lupus. Other diseases that involve inflammation of the blood vessels — called vasculitis — can also have decreased levels of complement in the blood. In some cases of lupus, particularly those with kidney disease, complement levels are used to follow the illness because they may rise and fall according to the activity of the disease.


What Are Cryoglobulins?

Cryoglobulins are antibodies that may be high in a variety of different diseases, including rheumatoid arthritis, lupus, Sjögren’s syndrome, Waldenstrom’s macroglobulinemia, multiple myeloma. lymphoproliferative disorders, hepatitis B and C, and other infections.

WebMD Medical Reference Reviewed by David Zelman, MD on June 13, 2017


American Association for Clinical Chemistry: “Rheumatoid Factor.”
National Institute of Arthritis and Musculoskeletal and Skin Diseases: “How is Rheumatoid Arthritis Diagnosed?”
Arthritis Foundation: “Guide to Lab Tests.”

© 2017 WebMD, LLC. All rights reserved.

Next Article

What Can I Do With This Degree? Child Development – CSU, Chico #what #can #i #do #with #a #sociology #degree


What Can I Do With This Degree?

General Information

Bachelor’s degree is sufficient for entry-level positions.

Advanced degrees are essential for clinical and therapeutic counseling positions.

Master’s degree or PhD is often needed for administrative and supervisory positions.

PhD is required for college teaching and advanced research positions.

Additional or specialized training qualifies one for higher paying and positions of greater responsibility.

Obtain part-time summer, internship, or volunteer experience in child care, schools, hospitals, camps, or overseas programs or in advocacy or service-oriented programs dealing with alcoholism, drug abuse, family violence, aging, poor, or disabled populations.

Obtain certification in CPR, safety, and first aid for adults, children, and infants.

Develop interest and gain experience in computers, arts, crafts, music, or physical activity.

Obtain certification for specialized areas including Child Life Specialist or Child Advocacy. Visit for more information.

Pre-school/Child Care

  • Religious organizations
  • Private homes
  • Extended school programs
  • Head Start
  • Family day care
  • Preschool
  • Montessori Schools
  • Private, public franchise, and corp. day care centers
  • Develop physical stamina for working with children.
  • Acquire appropriate certification for licensure for day care and public school teaching.
  • Obtain experience working with children through volunteering or part-time jobs.
  • Demonstrate patience with children and the ability to work well with people of various backgrounds.
  • Develop strong communications skills to deal effectively with parents.


  • Early Childhood Ed.
  • Early Childhood Spec. Educ.
  • Teaching
  • Family and Consumer Sci.
  • Research
  • Curriculum Development
  • Administration
  • Univ. Studt. Affairs Counsel.
  • Parent-Child Education
  • Public and private schools (K-12)
  • Public preschool programs (e.g. Head Start)
  • Private preschool programs
  • Montessori schools
  • Adult education programs
  • Colleges and universities
  • Programs servicing children adults with special needs
  • Acquire appropriate certification for public school teaching.
  • Obtain PhD for college and university teaching and research opportunities.
  • Acquire certification for day care and parent-child education.
  • Obtain graduate degree for counseling, student affairs, and administrative positions.
  • Find part-time or summer jobs working with children.
  • Serve as a tutor, peer mentor, resident assistant or student advisor.

Community Services

  • Administration
  • Programming
  • Development
  • Research
  • Evaluation
  • Community centers YMCA or YWCA
  • Rehabilitation organizations
  • Hospitals
  • Adult day care providers
  • Adoption agencies
  • Summer camp programs
  • Religious orgs.
  • Consumer protection agencies
  • Learn to work well with all types of people through volunteer or paid positions.
  • Seek related work experience, particularly summer camps or special needs areas.
  • Obtain Child Life Certification for some areas.
  • Develop strong presentation and public speaking skills.
  • Be willing to wear multiple hats within an organization.
  • Learn how to write grants.
  • Develop research and writing skills.

Social Services

  • Case Management
  • Counseling
  • Administration
  • Profit and nonprofit organizations focused on children, youth, families, or senior citizens
  • Adult and child day care providers
  • Group homes
  • Treatment Facilities
  • Youth services agencies
  • Senior citizens’ programs
  • Foundations and funding organizations
  • Supplement curriculum with courses in social work, sociology, or psychology.
  • Obtain a master’s degree and appropriate licensure in mental health counseling, social work, or rehabilitation counseling to provide therapy.
  • Earn a graduate degree to obtain most administrative positions.
  • Gain experience through volunteer positions or internships.


  • Child Care Programs
  • Education
  • Child Life Specialist
  • Occupational Therapist
  • Hospitals
  • Healthcare facilities
  • Hospices
  • Health and wellness agencies
  • Earn a master’s degree in Social Work, Counseling, or related areas for the most opportunities.
  • Obtain experience in advocacy.
  • Acquire licensing or certification for some areas.
  • Volunteer in a healthcare setting


  • Social Services
  • Rehabilitation
  • Program Coordination
  • Research
  • Program Evaluation
  • Legislation
  • Advocacy
  • Federal, state and local government agencies (i.e. Departments of Health, Education and Welfare; Criminal Justice; Sanitation; Fire and Safety; Nutrition; and Cooperative Extension)
  • Vocational rehabilitation
  • Mental health agencies
  • Military child care programs
  • Overseas child care and education programs
  • Health and wellness agencies
  • Women’s protective agencies
  • Take additional courses in area of interest.
  • Develop strong presentation and public speaking skills.
  • Obtain specialized training for opportunities in protective services or law enforcement.
  • Complete an internship with a government organization.
  • Learn federal, state, and local job application procedures.


  • Organizations geared toward children and family including; book publishers, professional associations, radio and TV stations, nonprofit organizations, manufacturers, newspapers, and magazines.
  • Minor or double major in a communications field.
  • Develop excellent communication skills, both written and verbal.
  • Submit articles or books for publication.
  • Work for campus publications or radio stations.
  • Complete internships with related organizations.


  • Manufacturing companies of children’s clothes, toys, furniture, and food.
  • Department and retail stores
  • Service organizations
  • Minor in business; develop skills in areas such as management, marketing or sales.
  • Secure leadership positions on campus.
  • Get related experience through internships or part-time jobs.
  • Build computer skills in word processing, database management, and spreadsheet programs.

Child Development
California State University, Chico
Modoc 216
Chico, CA 95929-0220

Boat Angel Donations #boat #angel #donations, #charity #boat #donations, #donate #boat #now #and #buy, #used #boat


Charity Boat Donations – Donate Boat

Whether it is a speedboat, sailboat, schooner, yacht, canoe, dinghy dory, johnboat, paddleboat, skiff, motorboat, houseboat, tug, shrimper, whaler etc. there is no better charity to give your watercraft to. We do our best with every donation, no matter what is presented to us.

We are aware that many charitable organizations depend on the generosity of their donors to fund their programs. Most organizations are not equipped for the complications that go along with the complex transfer of motorized vessels. We have processed thousands of boats that include center consoles, sailboats, sport fish, yachts and ski boats, We have handled boats that were smaller as well, including small bass fishing boats, personal watercraft and aluminum row boats. We handle vessels of all shapes and sizes because we specialize in donations of boats. We appreciate our donors and we do our best to assist them through the process.

Transferring a watercraft is more difficult than simply writing a check or donating furniture to charity. Boat Angel Donation Center understands the complexities of transferring both USCG documented

boats and transferring boat with state titles and registrations. We also understand the complexities of boats being picked up from storage yards, marinas and private residences. We will do our utmost to make sure the donation process is as smooth as possible. Boat Angel will work to transfer your vessel with a minimum amount of hassle.

Title transfers and lien releases can be complex. We can help you understand these documents and process them with you at the Coast Guard documentation center. We can help you find the forms and apply for duplicate titles and registrations. We can help you execute power of attorney forms and work with you on your state and federal transfers. If you have an inherited boat we can help you obtain the proper forms needed to transfer your vessel from the estate.

We pledge to treat all our watercraft, boat or vessel donors with courtesy. From the first contact to the completion of the process, you can be assured that the Boat Angel staff will do its best by offering every courtesy possible.

Your contribution to us in the form of a watercraft is eligible for a tax deduction. You will be provided with form 1098-C which will enable you to avail of this tax benefit.

International Relief for Orphans and Third World Children.

Boat Angel donations have been instrumental in providing substantial funding for countless international preschool and grade school aged children in the poorest countries of the world. The areas we have reached include Mozambique, Sudan, Costa Rica, Ethiopia, Mexico, Nigeria, Kenya, Philippines and India. We have generously funded educational pursuits, school feeding programs, printing of educational materials and provided for teachers, and computers. This was all accomplished by the sale of thousands of boats, jet skis, trailers and motorcycles. We are thankful to our generous donors.

Juvenile and Adult Motivational Prison Literature Campaign

Boat Angel’s literacy program has impacted hundreds of thousands of inmates in youth, state and federal prisons. By converting money received from the sale of boat donations to publishing we have enabled the production of thousands of pieces of religious and motivational materials which have been sent post paid free of charge to prison chaplains and prison libraries in every state of the Union. The proceeds from boat donations have funded these programs.

Total Medical Operations and Training.

Boat Angel’s sponsorship of Mercy Ships, Compassion and World Vision has provided operations, training and needed medicine for thousands. Our participation in these worthy programs have been entirely funded through the sale of boats on our charity boat sales website. We are thankful for the opportunity to help those who have no medical care. Please consider the poor when it comes time to dispose of your used boat or jet ski.

Christian Discipleship Training.

Boat Angel sponsorship of teachers and trainers has enabled many at-risk youth worldwide and saved them from unproductive lives on the street where youths often engage in dangerous and illegal behavior. Our support of worthy teenage programs have been funded with boat donations. Children and teenagers need guidance and direction to prevent them from entering a life of crime. Help us help them.

Children’s DVD Training Materials.

Boat Angel produced 13 animated stories that are distributed free to international broadcast and cable outlets. The Adventures of Donkey Ollie which were adapted from many of our award winning films such as Shipwrecked, and Exodus to Egypt, and Circus Maximus. These thirteen 30-minute TV programs are shown nationally, internationally and emphasize love, morality, truthfulness and bravery. These children’s programs are full of original songs and make a dramatic impact on young lives. The series is viewed by millions of preschoolers worldwide in several languages and with subtitles. Our programs are airing in many areas of the world.

King’s Man.

Boat Angel has recently produced an original feature film hoping to shine the light on the problem of child kidnapping and slavery. The film was completed in August 2010 listed on IMDB and has been shown internationally over a well watched satellite network. Our films are geared to the growing teenage market and are sent free of charge to both high schools and broadcasters. A Public Service Campaign was created to help prevent future child kidnapping and to add in creating resources to find children that have been kidnapped.

Metro Kidz, Peru, and Gilgal, Bangalore are Boat Angel sponsored.

children’s ministries that reach children in the poorest areas of Lima and Bangalore. In Bangalore, Gilgal Children’s Church provides housing and education to over 165 orphaned and abandoned children. We sponsor programs which bring teachings, morals and messages from the Bible. Many of the outreaches feature shows that are performed and include choreography, games, puppets, dramas, and clowns helping us engage children and keep their attention as they are taught and given memory verses from the Word of God. Hundreds of children are reached weekly at three main services in Lima, and in India children.

Northern Lights Orchestra.

Northern Light Orchestra is our Boat Angel Sponsored Project geared to bring a meaningful Christmas experience to families throughout the United States. Over thirty-seven songs were recorded about the Immaculate Conception, the Nativity, the Three Wisemen, all the music was written to help people “Celebrate Christmas.” It is our goal that everyone can share the Spirit of Christmas and realize that the Baby Jesus was Emmanuel which means God with us. Free Sample CD’s are available by request from our office. Bookings are being sought for the television special show filmed in 2009-2010. Famous singers and guitarists from bands like Sly and the Family Stone, Kansas, Beach Boys.

Children’s Evangelism.

Children are the Future nearly 60% of our world population is under twenty years old. As the children go so goes the world. The most important thing we can do is reach our children with quality programs and outreaches that will not only mold them into good citizens of our world but good citizens of the Kingdom of God as well. Boat Angel continually reaches out to children through our multiple soccer camp and bible training outreaches using our Donkey Ollie book series. Worldwide there is an increase of out of wedlock pregnancies, divorce, and crimes against children, it is more important now than ever to equip children with the tools of survival. There is no greater tool than prayer and faith in God.

Disclaimer Legal Notice: Potential Donors at this website acknowledge they have not been solicited for donations cash or otherwise directly or indirectly either via e-mail, direct mail solicitations, or any other advertisements by Car Angel c/o Boat Angel Outreach Center or any affiliate within the boundaries of their respective state. This website or the use thereof does not constitute an attempt by these organizations to solicit donations in any state where such solicitations are restricted by state statutes. The use of the website by each potential donor is voluntary, the donation contract is subject to acceptance solely by Boat Angel Outreach Center. Not all donation submissions will be accepted.

We are a 501(c)(3) Non-Profit Religious Organization/Church. EIN 421619552
Member Apostolic Network of Global Awakening.
Boat Angel Outreach Center is operating churches for the purpose of bringing people to Christ through the use of youth programs and religious educational DVD’s distributed nationwide free of charge. We are also establishing churches in North America (Arizona), South America (Lima, Peru), Africa (Ethiopia) and Asia (India)
as well as funding programs featured on this page.

Donated Boat Sales Buy Used Boats Auction

Archiving emails in Windows Live Mail 2012 #email #archive


Archiving emails in Windows Live Mail 2012

This guide will help you to free up space on your PagePlay email account by saving emails to your computer rather than keeping them on the server.

This guide is only useful if you set up the email to use IMAP, where messages are stored on the server. With POP, messages are download to your computer when you check your mail and are then removed from the server.

This is for users who already access their email using Windows Live Mail 2012

1. Open Windows Live Mail 2012

You will need Storage folders to be visible to archive your emails. If you can t see the Storage folders heading in the left column, click on the View tab at the top of the window and ensure the Storage folders button is pressed.

2. Create archive folder

If you haven t archived your emails before, you ll need to create a local folder to archive your emails to. Right click on the Storage folders heading in the left column and click on New folder.

You then need to give your archive folder a name, in the example below we ve given it the name Archive for simplicity.

Click on the Storage folders heading in the Select the folder in which. field and then click the OK button

You will then see your archiving folder under the Storage folders heading

Why You Should NOT Buy a New Car – ReadyForZero Blog #rental #car #cheap

#what car should i buy

Why You Should NOT Buy a New Car

17 Oct 2012 by Ben

Welcome to the 5th  Smart Money Debate at ReadyForZero . To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

Buying new things is fun. I love unwrapping the shiny packaging, opening up the box, and smelling the factory made scent of something brand new. There is nothing quite like holding something in your hands that nobody else has ever used. It makes you feel well special.

You know what makes me feel even more special than buying something brand new? Saving money. That is why almost everything I purchase is used. Don t get me wrong I m not one to purchase a used pair of Hanes. However, with most items, you can find great deals if you are willing to buy used. This is especially true when it comes to major purchases like cars.

While I wouldn t recommend buying any old lemon, buying used cars is the only thing that makes sense financially. Our family has purchased new before, and we consider it to be one of the biggest financial mistakes we have ever made. Here is why we will never buy a new car again and neither should you!

Reason #1: New Cars Don t Hold Their Value

We ve all heard this before, but it bears repeating: a new car begins losing value the minute that you drive it off the lot. How much value you ask? According to, a new car loses approximately 10% of its value as soon as you drive away. 10%. Furthermore, it loses about 20% of its value after the first year, and 10% off the original purchase price per year after that. Depending on the make and model of your new car, you may have lost up to 80% of the value from the purchase price within 5 years!

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Would you invest $25,000 in the stock market if you knew that you were going to lose $2,500 the moment you completed the transaction? Would you buy a house for $200,000 if you knew for a fact that it would only be worth $180,000 the minute you were handed the key and $160,000 a year later. Of course you wouldn t! No sane person would. Why would you do the same thing with a car? Let somebody take that huge financial hit by buying the new car. Then, you can take advantage of their silliness and buy the car used after they trade it in a few years later.

Reason #2: Used Cars are Cheaper

Since new cars are clearly a poor investment, it makes sense that the sticker price for used cars is far less expensive than the newer models. For instance, a brand new 2012 Toyota Prius is currently selling for around $28,500. Earlier this year, we were able to purchase a used 2009 Prius with under 25,000 miles for only $17,500. While red isn t exactly my favorite color, I was happy to suffer through it in order to save $11,000.

Reason #3: Less Worry

You know the nervous feeling that you get when you buy something new? You become very protective of it. You don t want anything to spill or scratch it. You re so proud of it that you want it to stay looking all brand new and shiny for forever. That is why you bought the product new in the first place. Afterall, what good is a new car if it doesn t actually look new.

I hate to tell you this, but eventually everything that is new is going to become blemished. When it does, you may be devastated especially if you spent as much money on it as you would a car. Why not save yourself all of that worry, headache, and stress? Just buy your cars used. A nick, dent, or scratch doesn t seem like such a big deal then.

Reason #4: Warranties are Available

People who tell you to buy a new car will tout the great warranties with which new cars come. Guess what. Most used cars will come with a warranty as well. In fact, the most important warranty the manufacturer s powertrain warranty should still be in effect as long as the car has not exceeded its age or mileage limits. This warranty covers all of the big stuff that might break like your engine or transmission. So, the warranty argument doesn t really hold water. If the warranty is in effect, the argument that you are going to have to pay for more repairs to a used car than you would for a new car doesn t really work either.

Reason #5: A New Car is a Bad Investment

Have I mentioned that a new car loses 10% of its value the moment you drive it off the lot and 20% of its value over the first year alone. Oh, I did? Good. Well, this is so important that I m mentioning it again. If that new car smell is still tempting you, go back and read Reason #1 to help snap you back into reality. Then, go out and buy a New Car Smell air freshener to put in your used car, and save yourself thousands of dollars.

As you can see, buying a new car is not the best decision for your finances. While that new car smell may make you feel like you are loaded, buying a new car is just another way of trying to look wealthy. It is a status symbol that savvy spenders can do without. If you re in the market for a new car, do yourself a favor and buy a used one instead.

No matter what you decide, use ReadyForZero to track your debt payoff it s a free online tool that helps you stay motivated and pay off your debt in the fastest time frame possible.

To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.

Car Loan Payment Calculator #used #car #online

#payment calculator for cars

Get this calculator for your site:

Car Loan Payment Formula:

Car Payment = PMT( Interest Rate, Number of Payments, Loan Amount, 0)

Car Loan Payment Definition

The Car Loan Payment Calculator is an instantaneous and easy way to calculate the car payment for any type of auto loan. Just enter in the total auto loan amount, the auto loan period (in months), and the auto loan interest rate. It s easy to use our free auto loan payment calculator so grab the information you need right from your auto loan information documents if you need them and start using our free online car loan payment calculator now!

How to Calculate Car Loan Payment

Let’s be honest – sometimes the best car loan payment calculator is the one that is easy to use and doesn’t require us to even know what the car loan payment formula is in the first place! But if you want to know the exact formula for calculating car loan payment then please check out the “Formula” box above.

Add a Free Car Loan Payment Calculator Widget to Your Site!

You can get a free online car loan payment calculator for your website and you don’t even have to download the car loan payment calculator – you can just copy and paste! The car loan payment calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!

Car Lots USA #car #graphics

#car lots

Used Car Lots and Loans Online!

Planning to buy a pre-owned car or truck? With pre-owned vehicle pricing at an all-time high, finding a good used car lot is of crucial importance.

At Car Lots USA, we connect used car shoppers with dealerships, simple as that. We provide an effective two-step methodology for finding the best car or truck at the right price:

  1. Get Approved For a Car Loan Ahead of time: In today s market, trying to get your credit approved in person has become a waste of time. With your financing arranged upfront, you will have more negotiating power, less anxiety, and a more fulfilling shopping experience. When you submit your application via our system, we match you to the best used car lot, considering elements that include where you live, your finances, your credit history, and the amount of money you put down. Click here to apply online.
  2. Check Car Price Quotes Online: If you want to receive the best possible price on your car, truck, or SUV, you need to look at price quotes from multiple dealerships where you live. Even if you already found a dealer through step 1, getting price quotes from competitors can give you the ammunition you need to get a lower price. Just select the make and model of the vehicle you re hoping to buy, and you will receive price estimates from up to four competing car dealers in minutes. Click here to compare car pricing.

Don t be fooled by imitators. Very few agencies can offer such a wide-ranging network of car dealers. Very few.

Car leasing 0333 222 4388 #cars #direct

#discount cars

Search car offers

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With over 50 years motor industry experience are well positioned to help and are committed to providing private and corporate clients alike with the information they need to ensure that the new car they choose is the correct one for them.

In building lifetime relationships with our clients, purchasers can be assured that the service that is expected is one that is received in choosing That is our commitment to you.

2.0 TSI vRS 5dr DSG

2 litre Petrol Automatic

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Registered Office. Blackford Bridge, 701 Manchester Road, Bury, Lancashire, BL9 9US

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Car Insurance For Women #cheap #used #cars

#womens car insurance

Car Insurance For Women

Quality car insurance for female drivers

Years of loyalty and ever increasing No Claims Bonus seem to count for little when the renewal quote lands on your doorstep and you find that your premium has increased yet again.

Here at Adrian Flux . we take a more enlightened approach to insuring more lady drivers and are pleased to be able to offer cheaper premiums to demonstrably safer drivers, without subsidising riskier drivers. When you ring us, you can be sure that we’ll pull out all the stops to get you the best deal. And we try to base our rates are on underwriting experience and real data which shows us which drivers are most likely to be safer.

Because safe drivers tend to drive fewer miles, have certain jobs, choose certain cars and use them in particular ways, we can offer highly competitive quotes, whatever your age and whatever you drive.

Unlike most of our competitors, who use computer systems and pre-set rates to calculate your premium, our team of insurance boffins will negotiate on your behalf with over 40 insurance companies and work out the best possible quote for you, using their knowledge of the hundreds of schemes on offer.

And our staff are based, not in a foreign call centre, but right here in Norfolk, so you can be sure that they will have a good understanding of your car and life in the UK.

Some of the many features our policies offer include:

  • Protected No-Claims Bonus – so one accident won’t ruin your unblemished driving record.
  • Telematics insurance schemes so you can prove that you are a safer driver
  • Limited Mileage – from as little as 1,500 miles on some policies, so you don’t need to pay extra for miles you will not drive.
  • Full Range of Classic car insurance and cherished car insurance policies available.
  • Insurance available for:
    • Imports
    • Motorhomes
    • Kit Cars
    • US Cars Classic Cars
  • Specialist schemes for drivers with convictions .
  • Breakdown cover option only 52

Women you can save money on car insurance

Our policies are already amazingly cheap, but you could save yourself even more money if you follow our simple tips for getting the best possible premiums.

  • Will you only drive a few thousand miles a year? Tell us, so we can offer you a limited mileage policy. which will bring your premium down dramatically. Why pay for miles you will never drive?
  • If you’ve only recently passed your test as a mature or young driver, get yourself a PassPlus, Institute of Advanced Motoring or NVQ qualification and we can knock up to 25% off your premium. All of these schemes give the newly qualified driver additional skills. These schemes have been shown to vastly reduce the likelihood of accidents involving drivers who have taken it. And that means cheaper insurance.
  • If you’ve installed a top specification In Car Entertainment or Satellite Navigation system, you should tell us, so that we can make sure it’s covered.
  • Have you spent thousands bringing a classic car back up to mint condition? Or modified your car with all the latest kit? We can assess your car and agree cover for its true value. so you won’t get a nasty surprise if you need to make a claim. We can even offer agreed valuation over the phone in many cases.
  • Are you in an owners club or online forum. If not consider joining one. There are clubs for every make and model, as well as several clubs aimed at female drivers. Girls who are enthusiastic about their car and learn all they can about it will take better care of it, which is why you could get an extra discount of up to 15%.
  • Do you go on car rallies or track days? Track day cover can be arranged as needed on many policies.
  • Keep your car garaged if you can, and install the best alarm system you can afford and you could pay less .
  • You could lower your premium by opting to increase your voluntary excess. If you think this might be useful for you, please ask.
  • Even if your car is a little out of the ordinary, our brokers can still save you money. Because our staff are used to finding policies to suit unusual and even completely unique cars and motorbikes, they know which insurers offer the best policies and at prices to suit almost any budget.

    We don’t believe in a one-size-fits-all policy, that’s why all our policies are designed to suit each customer’s individual needs. We offer flexible and competitive womens car insurance quotes for all circumstances, sourcing the best available scheme from amongst the many offered by our panel of over 40 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last we will do our very best to beat the cheapest quote you get.*

    Quicker Cheaper rates by phone complete the call me form during office hours (9am to 7pm Monday to Friday 9am to 4pm Saturday) for an immediate, no-obligation womens car insurance quote.

    * On a like for like basis, subject to normal underwriting acceptance.

    ** Sample quotes are for premiums as stated covering drivers with a clean licence and full No Claims Bonus (unless stated otherwise). These illustrative quotes are provided for information only and do not form the basis of any contract or tender. Policy excesses differ, dependent on risk and scheme.