Posts Tagged ‘Avoid’
March 17, 2014 | 
Author Consumer Reports Reveals the Best Used Cars and Ones to Avoid
YONKERS, NY (PRWEB) March 13, 2014
With prices at historic highs – even for models with high mileage and seemingly excessive wear – and with so many vehicles from which to choose, shopping for a used car can be a challenge. To help Americans choose the best used car for their money, Consumer Reports compiled a Best & Worst Used Cars list for model years 2004 through 2013.
The full report is available in Consumer Reports’ Annual Auto Issue, which is on newsstands now, and at the 2014 Autos Spotlight page on ConsumerReports.org. Highlighted are the best small cars, sedans, and SUVs available in four price ranges: from $ 10,000 or less up to $ 25,000. Each performed well in CR’s testing when new and had above-average reliability for the model years shown, based on CR’s Annual Auto Survey. And all models came standard with electronic stability control (ESC).
“When shopping for a used car, it’s really important to find a car that drives well and will hold up down the road. Our guide makes it easy for shoppers to choose a great used car by highlighting the best small cars, sedans, and SUVs in four different price ranges,” said Rik Paul, auto editor, Consumer Reports.
In the $ 15,000-$ 20,000 price range the following cars made Consumer Reports’ list of best used cars:
SMALL CARS: 2012-13 Hyundai Elantra and 2011-13 Subaru Impreza
These are as roomy and as comfortable as larger, more expensive cars. The Elantra combines nimble and secure handling with a fairly comfortable ride. The Impreza sedan and hatchback both offer standard all-wheel drive along with sporty handling and a great ride.
SEDANS: 2011-12 Toyota Camry, 2010-11 Toyota Camry Hybrid, and 2008 Acura TL
Both the four- and six-cylinder Camry deliver impressive fuel economy along with a comfortable ride, a roomy cabin, and superb reliability. For even better gas mileage, the Camry Hybrid gets 34 mpg overall and 41 on the highway. A sportier alternative is the Acura TL, which has long been one of our favorite sedans to drive.
SUVs: 2006-07 Lexus RX and 2009-10 Subaru Forester (nonturbo)
The Lexus RX is comfortable, nicely finished, and extremely reliable. The hybrid version gets good fuel economy. The Forester is more utilitarian but handles well and has an excellent ride. Access is easy, and the view out is the best among SUVs.
The Consumer Reports used cars to avoid list includes 2004 to 2013 models that have had multiple years of much-worse-than-average overall reliability, according to CR’s Annual Auto Survey. Among the more than twenty models that made the list are the BMW X5 (6-cyl.), Chrysler Town & Country, Ford Fiesta, and Volkswagen Beetle.
For more information on used cars pick up a copy of Consumer Reports’ April Annual Auto Issue, which is available on newsstands now wherever magazines are sold, or visit the 2014 Autos Spotlight page on ConsumerReports.org.
Consumer Reports is the world’s largest independent product-testing organization. Using its more than 50 labs, auto test center, and survey research center, the nonprofit rates thousands of products and services annually. Founded in 1936, Consumer Reports has over 8 million subscribers to its magazine, website and other publications. Its advocacy division, Consumers Union, works for health reform, food and product safety, financial reform, and other consumer issues in Washington, D.C., the states, and in the marketplace.
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MARCH 2014
© 2014 Consumer Reports. The material above is intended for legitimate news entities only; it may not be used for advertising or promotional purposes. Consumer Reports® is an expert, independent nonprofit organization whose mission is to work for a fair, just, and safe marketplace for all consumers and to empower consumers to protect themselves. We accept no advertising and pay for all the products we test. We are not beholden to any commercial interest. Our income is derived from the sale of Consumer Reports®, ConsumerReports.org® and our other publications and information products, services, fees, and noncommercial contributions and grants. Our Ratings and reports are intended solely for the use of our readers. Neither the Ratings nor the reports may be used in advertising or for any other commercial purpose without our permission. Consumer Reports will take all steps open to it to prevent commercial use of its materials, its name, or the name of Consumer Reports®.
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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Tags: Avoid, Best, Cars, Consumer, Ones, Reports, Reveals, Used | 
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7 Tips for Small Business Owners to Avoid Financial Disaster from Sunovis Financial
San Francisco, CA (PRWEB) April 11, 2013
Successful business owners offer a great service or product and superior customer service. However, great products and customer service won’t help if financial planning is not in order. And gaining access to capital, such as a fast Micro loan from Sunovis Financial, will be made more difficult if the finances are in disarray.
So what should a business owner do to take control and what to avoid? Sunovis Financial offers some tips on what to avoid:
1. Poor Record Keeping and Administration
Small business owners are often not good record or bookkeepers! Many business owners had the great business concept, saw the need in the market and knew how to implement the idea. “They are not the type of personalities who jump out of bed in the morning and say “Great, it’s payroll tax and paperwork day today,” says Terry Robinson, President of Sunovis Financial. “They are usually the type of personalities who think about their customers, big ideas or how to improve their product.”
Tip 1 is that business owners cannot avoid bookkeeping! Sadly, too many small businesses fly by the seat of their pants and could have avoided problems by reviewing the business numbers. Businesses must know what money is coming in, where it is going and how much is going out, and have a good handle on inventory (if the business deals with inventory.) Either hire an in-house bookkeeper or engage one in your community to get control of your financial situation.
2. Not Watching Your Bank Balance
Tip 2 involves watching that bank balance. Many small business owners don’t do this, and then rude surprises could occur such as bounced checks. That can affect the credit score, incur fees and even hurt your relations with suppliers who had to deal with insufficient funds. By having better bookkeeping, businesses will be able to better watch and manage the bank account situation. And come tax time, the task will be easier, too! Internet banking can be an easy way to check that account daily.
3. Poor Cash and Credit Management Practices
Tip 3 builds on Tip 1 and 2. Cash management practices to avoid financial ruin include:
a) Hold good insurance on your premises and inventory. Don’t let a fire or flood take you down.
b) Those doing ‘business-to-business’ sales may be faced with having to sell on credit. If so then be disciplined in chasing up any outstanding payments. Don’t be embarrassed about for what is due to you. Chase as hard as possible because the business has its own debts to pay!
c) Likewise, businesses that are granted a period of credit granted must pay on time.
d) Know the monthly expenses, and plan accordingly with incoming or anticipated revenues. Having a handle on that bookkeeping with do wonders.
4. No Cost Controls
No cost controls could spell disaster. Business owners need to compare prices and specifications. Have set limits on what the business will not pay, and always be on the lookout for a good deal.
5. Spending Without Forethought
Tip 5 addresses the need to consider every expenditure within the budget (see Tip 7) and financial situation. Early phases of a business require money for structure, inventory and start up but consider carefully each item. As the business grows, don’t overreach but scale up thoughtfully. Consider the use of a short-term Micro loan if the business generates cash flow but could use an infusion of capital to go to the next step.
6. Depending On a Small Number of Customers
A business should never rest on its laurels. Marketing, promotion, product development and growing the client base are important for all businesses. Don’t depend on a small number of clients. Don’t be held hostage. Consider social media for some outreach.
7. Not Having a Budget
One good financial practice is to have a budget, which is Tip 7. A budget works well with the first tips above, to see the big financial picture and then plan into the future for it. A budget can also help business owners with Tip 5 before making any large or unnecessary purchases.
Financial problems can usually be avoided or mitigated by taking basic planning steps and then implementing them.
Sunovis Financial assists small business owners with SBA loans and non-bank Micro loans. The company mission is to rebuild the U.S. economy, one business and one loan at a time.
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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