Doing a little car research can pay off big time but how do you get started and what should you actually research? We explain.
Good financial management is essential to achieving financial stability and building wealth. However, not everyone handles money efficiently. If you’re one of those who always struggle to make ends meet or get overwhelmed by business finances, it's time to cultivate good money habits and use technology and automation to make financial management easier.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Good financial management is essential to achieving financial stability and building wealth. However, not everyone handles money efficiently. If you’re one of those who always struggle to make ends meet or get overwhelmed by business finances, it's time to cultivate good money habits and use technology and automation to make financial management easier.
Low documentation loans are ideal for business owners and independent contractors who often find it hard to prove their true income. While minimal paperwork is required, lenders still conduct an income verification process before deciding to approve or reject a borrower’s application. Here’s what you need to know about low doc loans.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Low documentation loans are ideal for business owners and independent contractors who often find it hard to prove their true income. While minimal paperwork is required, lenders still conduct an income verification process before deciding to approve or reject a borrower’s application. Here’s what you need to know about low doc loans.
Cyber threats and scams target all companies, but small businesses are the most vulnerable because of the lack of cybersecurity tools and awareness. Cyber attacks and scams can result in financial loss and legal action. They also destroy the business reputation and consumer trust. Learn how to prevent cybercriminals from successfully exploiting your business in this article.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Cyber threats and scams target all companies, but small businesses are the most vulnerable because of the lack of cybersecurity tools and awareness. Cyber attacks and scams can result in financial loss and legal action. They also destroy the business reputation and consumer trust. Learn how to prevent cybercriminals from successfully exploiting your business in this article.
Australian businesses lost over $7.2 million in cyber scams back in 2018, according to the Australian Competition and Consumer Commission (ACCC). Knowing what these scams are and how to report them plays a crucial role in protecting yourself and your business.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Australian businesses lost over $7.2 million in cyber scams back in 2018, according to the Australian Competition and Consumer Commission (ACCC). Knowing what these scams are and how to report them plays a crucial role in protecting yourself and your business.
Business loans provide cost-effective financing if you need funds to keep your company stay afloat during tough times or pursue a new business opportunity, including expansion and growth. When taking out a business loan, always see to it that the potential return on investment of the new project outweighs the cost of the loan.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Business loans provide cost-effective financing if you need funds to keep your company stay afloat during tough times or pursue a new business opportunity, including expansion and growth. When taking out a business loan, always see to it that the potential return on investment of the new project outweighs the cost of the loan.
Collateral and personal or third-person guarantee are usually required to get approved for a business loan. However, not all businesses have valuable assets to pledge and guarantors to take responsibility on behalf of the borrower in case of loan default. If your business is one of those that do not have collateral or guarantee, here are the alternative business financing that you can get.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Collateral and personal or third-person guarantee are usually required to get approved for a business loan. However, not all businesses have valuable assets to pledge and guarantors to take responsibility on behalf of the borrower in case of loan default. If your business is one of those that do not have collateral or guarantee, here are the alternative business financing that you can get.
Australia has designed and produced some of the world’s best vehicles before shutting down its car manufacturing industry in 2017. Despite the death of the Australian-built vehicle, its legacy will be forever etched in our history. Check out these 8 of the best Australian cars that car enthusiasts and collectors would love to possess.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Australia has designed and produced some of the world’s best vehicles before shutting down its car manufacturing industry in 2017. Despite the death of the Australian-built vehicle, its legacy will be forever etched in our history. Check out these 8 of the best Australian cars that car enthusiasts and collectors would love to possess.
A car lease is a form of vehicle financing that allows businesses to use vehicles for a specified period of time and return it to the lessor after the leasing period ends. It provides a lot of benefits, including low monthly payments and no or low upfront cost. Getting a car lease for business is easy. Read this article to learn how.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
A car lease is a form of vehicle financing that allows businesses to use vehicles for a specified period of time and return it to the lessor after the leasing period ends. It provides a lot of benefits, including low monthly payments and no or low upfront cost. Getting a car lease for business is easy. Read this article to learn how.
If you are an entrepreneur who doesn't qualify for a standard business loan or a small business loan, you can use a personal loan to fund your business projects. This financing alternative does not require collateral and proof of business stability. However, you need to have a good credit score to qualify. Read on to find out when it is wise to get a personal loan for business.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
If you are an entrepreneur who doesn't qualify for a standard business loan or a small business loan, you can use a personal loan to fund your business projects. This financing alternative does not require collateral and proof of business stability. However, you need to have a good credit score to qualify. Read on to find out when it is wise to get a personal loan for business.
Keeping up with your car loan repayments as well as car repair and maintenance does not have to be financially stressful. With an extra income, you can always have enough money in your pocket to cover the overall cost of owning a vehicle. Check out these five ways to make money out of your beloved car.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Keeping up with your car loan repayments as well as car repair and maintenance does not have to be financially stressful. With an extra income, you can always have enough money in your pocket to cover the overall cost of owning a vehicle. Check out these five ways to make money out of your beloved car.
It's harder to qualify for an unsecured business loan than secured business financing. Because no collateral is needed, lenders usually require borrowers to have a good credit score and good business revenue. Sometimes, borrowers may also need to present a personal guarantee and a business lien.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
It's harder to qualify for an unsecured business loan than secured business financing. Because no collateral is needed, lenders usually require borrowers to have a good credit score and good business revenue. Sometimes, borrowers may also need to present a personal guarantee and a business lien.
Small businesses and startups that seek funds to cover working capital needs can benefit from a cash flow loan. This type of unsecured financing pays for emergency expenses and new business opportunities. It also helps temporary underfunded businesses make it through the slow period, avail trade discounts and create marketing and advertising campaigns.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Small businesses and startups that seek funds to cover working capital needs can benefit from a cash flow loan. This type of unsecured financing pays for emergency expenses and new business opportunities. It also helps temporary underfunded businesses make it through the slow period, avail trade discounts and create marketing and advertising campaigns.
Vehicle sourcing providers can save you the hassle of going to the car dealership to look for your ideal car and negotiate for its price. Some even go the extra mile of arranging for the test drive and inspection, as well as car delivery or pick up. Not all car sourcers offer the same quality of service, however. Learn how to spot a good one with these telltale signs.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Vehicle sourcing providers can save you the hassle of going to the car dealership to look for your ideal car and negotiate for its price. Some even go the extra mile of arranging for the test drive and inspection, as well as car delivery or pick up. Not all car sourcers offer the same quality of service, however. Learn how to spot a good one with these telltale signs.
Convertibles are associated with fun, freedom and luxury. If you are one of the many enthusiasts who are planning to buy a convertible car this year, now is a great time to do so. The End Of Financial Year offers many great car deals as salespeople hustle to hit their yearly sales quotas. Check out these most popular and talked-about convertibles today.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Convertibles are associated with fun, freedom and luxury. If you are one of the many enthusiasts who are planning to buy a convertible car this year, now is a great time to do so. The End Of Financial Year offers many great car deals as salespeople hustle to hit their yearly sales quotas. Check out these most popular and talked-about convertibles today.
Tradies and individual business owners who need a vehicle for business purposes but do not have enough cash to make the purchase can take advantage of the chattel mortgage car loan. This type of car financing typically has a lower interest rate and flexible loan structure than standard car loans. It also provides many tax benefits.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Tradies and individual business owners who need a vehicle for business purposes but do not have enough cash to make the purchase can take advantage of the chattel mortgage car loan. This type of car financing typically has a lower interest rate and flexible loan structure than standard car loans. It also provides many tax benefits.
A long-term car loan of 7 years or more can significantly reduce the monthly repayments, making it easier for many buyers to afford expensive automobiles. However, there are several downsides to paying car financing within this length of time, especially for borrowers with low credit scores.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
A long-term car loan of 7 years or more can significantly reduce the monthly repayments, making it easier for many buyers to afford expensive automobiles. However, there are several downsides to paying car financing within this length of time, especially for borrowers with low credit scores.
If you need a vehicle but don’t have the money for the down payment, you can get a balloon payment car loan. However, this financing comes with benefits and disadvantages that may or may not work out for you. Weighed your options carefully before making a decision.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
If you need a vehicle but don’t have the money for the down payment, you can get a balloon payment car loan. However, this financing comes with benefits and disadvantages that may or may not work out for you. Weighed your options carefully before making a decision.
When buying a new vehicle, should you go for a sedan, a hatchback or a ute? The car's body type or design affects its performance, fuel consumption and overall quality of driving. Hence, it's essential to have a basic understanding of car body types before going out in the market to buy your new ride.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
When buying a new vehicle, should you go for a sedan, a hatchback or a ute? The car's body type or design affects its performance, fuel consumption and overall quality of driving. Hence, it's essential to have a basic understanding of car body types before going out in the market to buy your new ride.
Just because petrol is cheaper per litre than diesel doesn't mean it will help you save more money in the long run. Your car's fuel consumption is affected by various factors, including automobile and engine construction, road conditions and driving habits. Choose one that suits your budget and lifestyle.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Just because petrol is cheaper per litre than diesel doesn't mean it will help you save more money in the long run. Your car's fuel consumption is affected by various factors, including automobile and engine construction, road conditions and driving habits. Choose one that suits your budget and lifestyle.
The best car loan answers specific needs and payment capacity. Increase your odds for approval and favourable loan terms by improving your credit score. Also, before signing the contract, shop around for loans and research about your possible lenders.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
The best car loan answers specific needs and payment capacity. Increase your odds for approval and favourable loan terms by improving your credit score. Also, before signing the contract, shop around for loans and research about your possible lenders.
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