Commercial Truck Financing – How is the System Structured?

First there are the captive finance companies. Think of them as the financing arms of all the major manufactures. They exist solely to provide financing to the public in an effort to sell their trucks. In the past they have been somewhat liberal in their underwriting criteria and like the mortgage industry perhaps too liberal. This relaxed underwriting of the past has caused serious defaults today. This has resulted in a subsequent tightening of credit. The end result is the selling of less trucks and trailers; customers have a harder time getting financing. Nonetheless, the captive financing company will always be part of the commercial truck financing game.Second are the independent financing companies. They are not tied to the manufactures in any way. They exist to make a profit from financing commercial trucks and other equipment. They can be a welcome alternatives for several reasons. First they can be someone to turn to if a good credit customer is “tapped out” with the captives. This means they have already financed trucks with the captive financing companies and they don’t want to do anymore for the customer (at least for now). These “A” credit sources are competitive on rate with the captives and, using different independent sources, a customer can finance an unlimited number of trucks. Independents are great for other reasons too. Say a customer wants a TRAC lease with different parameters than what the captives are offering. They can search for an independent that can tailor a TRAC lease for that customer. This is invaluable for the more sophisticated customer that has tax structure as their main objective. Here’s another one, we have customers calling us all the time that may only work nine months out of the year. They need financing that can offer skip payments. This way the customer can make nine payments a year instead of twelve; taking three months off of making their payments. One last one that hits home with us, the customer with bad credit. A captive financing company generally works only with people with good credit. For the customer with bad credit, their choices are limited. Thanks to independent financing companies (like ours) that specialize in customer with bad credit; these customers can get the financing they need to start or grow their business. Think of independent financing companies as offering financing products that can accommodate almost any need.The third financing arm for commercial truck financing is the in-house financing program. Usually offered by the smaller vendor, in-house financing offers benefits for both dealer and customer. By offering financing in-house the dealer is able to move more inventory than if he didn’t. This is important because a smaller dealer doesn’t always have a captive finance program. And with credit tightening up the independent financing companies are becoming less important. The dealer can act like an independent financing company by offering all the same products while keeping the benefits of earning interest on the trucks they sell. The bad side, of course, is they also suffer in the case of defaults where the customer stops making payments. The benefits to the customer is they have a one stop shop where they can finance a truck at the same place they are purchasing it from. Downside is they are limited to their inventory.This information will help you become a more educated consumer. By know who the players are you can better approach how to finance that commercial vehicle. Good luck!

Why Your Business Needs Digital Marketing Services

Modern world screams technology from every angle, people are well occupied with their busy and demanding schedules, and don’t have time to look out for different brands, products and upcoming projects through the means of offline marketing, such as: paper-based newspapers, books, communication methods and traditional TV and radio broadcasts. In the current scenario internet and mobile phones are the most picked method to share any information, so when the term Digital Marketing is discussed, customers can access the information any time and any place as per their convenience. Internet and globalization have shrunk the world to an axis point, where people from all over the globe can access the information via computers, tablets or mobiles. Digital marketing is indeed a blessing for the business owners, where they can influence the image of their companies via digital marketing and can reach up to a larger chunk of customers globally.You Should Do Digital MarketingIn the era of technology, where Smartphone rules our life, we feel bound to access the product details online only through, mobiles, computers or tablets. A business turns does not mean the huge traffic on the product website, but that traffic converting to leads or boosting the sales. Online Marketing, is a tool which works on your customer’s psychology with the attractive content, ads followed by various other marketing tactics, Digital Marketing tools and techniques provide business owners the best chances for competition, survival and even for the business boost.Asking Price The first and the foremost reason to opt for digital marketing is, but obviously the cost-factor, which is quite economical, being compared to traditional offline marketing methods. To illustrate the fact a TV ad or newspaper advertisement can cost huge and with no guarantee of being noticed by everybody, on the contrary an email or social media campaign, can reach out to a mass population globally. Reliable Customer’s FeedbackAnother benefit, which really suits the need of the business, is the real-time and reliable customer feedback and reviews to upgrade the services with time. With digital marketing pattern business owners don’t need to spend excessively on surveys and customers’ feedback, but the unbiased information can be attained through internet marketing and ultimately win the customer’s trust. The better revenue growth expectancy of either small or medium enterprises can extend to 4 times much better by using digital marketing techniques, since it lets the product available to go larger and farther reaching markets both locally and abroad.Brand RecognitionOnline Marketing proves beneficial for the brand reputation, with satisfied customers and their real-time feedback, business owners can reach to other potential set of customers. This helps the business owners to make the brand reputation go viral as expected, further opening new doors of opportunities for reaching bigger markets and attain business growth.Conversion OptimizationSince the current era is turning more digital, than people do have the access over their gadgets at every time and business owners can remain available with their product, regardless of their time-zone restrictions and ultimately a larger reach to the consumers would lead to conversion, because the consumer would get what they are looking for a per their convenience. Without conversion, all the traffic would mean nothing and all the other marketing efforts would end in despair. This is the sole reason, why business owners put more efforts towards the digital marketing campaigns.Key Digital Marketing ToolsDigital Marketing can be done in various ways, below mentioned are a few of the major keys, although with the upcoming innovative technology methods, more would be added to this list.

Websites and SEO content

Blogs

Internet banner ads

Online video content

Pay-per-click (PPC) advertising

Email marketing

Social media marketing (Facebook, Twitter, LinkedIn, etc.)

Mobile marketing (SMS, MMS, etc.)
When a customer walks into a shop, the first step he/she follows is to inspect the product and then might leave without buying anything. Undeniably a larger number only come and go and very small groups make a buy. Even if the product website receives tons of website visitors daily or weekly, but none of them ever convert, then it’s alarming, because it leads to clear indication that the business will also cease to exist. Digital Marketing helps the business owners to utilize the tried and tested marketing tactics, which not just attract the superfluous traffic, but highly potential target traffic and would ensure the survival of the business.

Diet, Nutrition and Healthy Living

Diet and nutrition products have helped countless individuals maintain a healthier lifestyle, by providing essential vitamins and minerals in an otherwise poor diet. Diet and nutrition is important for everyone but it is especially important for runners, or for those who exercise vigorously. If you are dieting, you are ill, or you are regularly eating a fast-food diet, you should be especially concerned about what you and your family are getting as proper diet and nutrition from your food.Nutrition is important for everyone because food gives our bodies the nutrients they need to stay healthy, grow, and work properly. In 2005, the government’s revised Dietary Guidelines for Americans introduced the term “nutrient density,” which sounds complicated but simply refers to how much nutrition a food provides. Nutrient density is especially important when overall nutrition and health is considered.Experts believe these nutritional substances may help prevent heart disease, fight certain cancers, ward off dementia, and even slow certain aging processes. And so if you are like many of us, not quite hitting the entire food pyramid, you might be trying to outwit your body by giving it nutritional supplements to make up for the sins of food-group omissions.Even the results of the best diet supplements are improved by proper nutrition and regular exercise, because when people eat healthy foods and exercise, they feel better, have more energy and are less prone to health problems. Health and nutrition products can help ensure that adequate levels of nutrients provide your body what it needs to stay healthy.Nutritional snacks can be very important to our overall health and nutrition. When you snack, you can fill in nutritional gaps, if you boost your intake of fruits and vegetables. This helps you keep your mood on an even keel, and helps with appetite suppression and weight control. However, snacking can be a bad thing too, and can definitely contribute to weight gain. If you’re searching for a villain in America’s obesity epidemic, most nutritionists tell you to put one picture on the wanted poster: a cold, bubbly glass of soda pop.Good nutrition is one of the ways the body restores itself to health. Restoring and maintaining good nutrition is a key principle in the management of diseases like Irritable Bowel Syndrome. Diet and nutrition concerns of patients with inflammatory bowel disease are extremely common, and appropriate. Because IBS, Crohn’s disease, and ulcerative colitis are diseases of the digestive tract, it is only natural that you will have many questions about diet and nutrition, if you have been diagnosed with one of these disorders. As research continues, we will learn even more about the relationship between nutrition and IBS, Crohn’s disease, and ulcerative colitis, and how to treat and or avoid them altogether.As you can see, good nutritional habits and adequate caloric intake are very important. However, it’s desirable to also maintain intake of at least some dairy products because they represent such a good source of nutrition, particularly calcium and protein, contributing to even more good nutrition. And, good nutrition quite simply equates to good health.In summary, while diet and nutrition may not play a role in causing IBS, and some other digestive diseases, maintaining a well-balanced diet that is rich in nutrients can help you to live a healthier life. As stated earlier, if you are dieting, ill or eating a fast-food diet, you should be concerned about what you and your family are getting as a proper diet and nutrition from your food.Or, maybe you feel as though you are just missing something while trying to sift through all the information out there about diet and nutrition. Either way, it is up to each of us to learn all we can about diet and nutrition, and then to apply that knowledge to our own lives. Good nutrition puts us on the path to good health, and good health is something we all should desire in order to live and be happy.