How To Find A Trustworthy Car Repair Shop

According to statistics, about 50% of the people who live in Canada own vehicles. It’s safe to say that at some point, all car owners will need to take their car to a shop for repairs or maintenance.

However, finding an affordable shop with trustworthy mechanics who fix cars promptly is not an easy task. How do you find a good repair shop for you vehicle? Here are some tips that may be helpful.

  • Talk to your friends and neighbors. Not only will they give you honest advice, but they can also give you hints as far as shops that should be avoided. This is especially helpful if you talk to family and friends who have lived in the area for a reasonable length of time.
  • Look for a shop as soon as possible. Most people don’t think too much about choosing a repair shop until they are having car problems. Then, they will take their car to whatever mechanic is available simply to get the problem fixed. This is probably not a good idea. In fact, the best time to look for a car repair shop is when your car is actually before you need one.
  • Consider distance. You may want to choose a shop that is close to your home simply for convenience. In some cases, it may be possible to walk to the shop instead of asking friends and family for rides to pick up or drop off your vehicle.
  • What are the shop hours? If a shop opens after you need to be at work or closes before you arrive home from work, it may be very difficult to pick up your car or drop it off. If you choose to do business with such a shop, you will need to take time off of work every time you have car problems.
  • Find out what types of payment arrangements the shop has. Some places will only take cash while others take cash and certain types of credit cards. Other shops may offer patrons a 90 day same as cash arrangement if repairs cost over a certain amount.
  • Check online to read customer reviews. Keep in mind that not all business will feature customer reviews, especially small “mom and pop” shops. However, you may find that many shops do actually have reviews. Avoid shops with a large amount of negative reviews, although keep in mind that every shop is bound to have a few unhappy customers.
  • Consider how long the shop has been in business. Repair shops that do a good job tend to stay in business for a long time. However, this does not always hold true. You may find a shop that has recently opened with excellent service too if you take the time to look around.
  • Chains or small businesses? There are good and bad points about choosing either a shop that is part of a chain or choosing a shop that is run by an independent owner. Before making your choice, it is best to evaluate your needs and see which type of shop would be best for you.

As you can see, finding a good car repair shop isn’t very difficult; it just takes some time and effort!

Special Training For Brain Development Of Kids

Many researchers have proven the fact that functioning of brain cells of infants is twice active as adult’s brain. Neurons are the brain cells that connect together and power of neuron have the potential of a PC. Connectivity of neurons decides the smartness or intelligence of individuals. In human, brain development and the learning ability of an individual is 50% in the first four years of age. The nerves of individuals are reduced as they grow up and this is why the 1000 trillion nerves present in an 8 months baby are reduced to 500 trillion as it grows up. A child that has given more opportunities to explore will be much smart.

A majority of children, more than 90% of them use their left brain, but the imperative fact to remember is the right brain must also be utilized. Education system present in almost all the schools is designed to develop or use the left brain. Right brain is never the less significant because it is responsible for creativity, arts, feeling, imagination, visualizing, daydreaming, rhythm, holistic thinking and many others. Hence it is equally important to develop both side of brain. It is also most important to take steps to keep both the brain much active, by keeping them to perform analytically on an equal basis. It is the responsibility of parents to give activities to their children that ensures the involvement of both brain. If both brain used by children it is probable to enhance their learning power and they can also increase their brain power. If brain development programs are offered to children they can make most of the program and develop their skills to give work to both side of brain and remains high in intelligence level. Development of brain in human beings is based on the degree of how much it is used. If it is left unused there are more probabilities for individuals to lose as brain works on the basis of use it or lose it.

To ensure the progressive brain development in children, it is the role of parents to introduce their children with a reputable brain development program. Most of the experts suggest step by step educational program to the children which is systemic and efficient. Nowadays it is very simple to find out a lot of schools which not only gives importance to academic program, but they also boost the creativity of children through their extracurricular activities. It is probable to search internet and get hold of relevant schools that present with a variety of activities to stimulate the brain and encourage the development of children. A total development program to stimulate mental activity of children is also found out in the online sites and parents can try out these activities with their children while they are at home. Getting education from a school that implements total development program is much beneficial. Search for such schools and secure admission to enhance the future of the children and boosts in brain development.

What You Need to Know About a Small Business Loan Application

Believe it or not, every small business loan application doesn’t have to take up a few weeks of your life. Not every lender will require perfect credit, a complicated business plan, and pages and pages of documents just to tell you whether or not your business is going pay rent this month. Occasionally small business owners find themselves in a financial tight spot. That’s a simple fact of doing business. What’s not a fact is that the major banks, SBA and fast cash merchant cash advance companies are your only options for a small business loan application. Read on to learn what other small business loan applications options you have.The Good and Bad of a Small business Loan Application from a BankIf you have ever tried to fill out a small business loan application from a traditional bank, you may already understand the headline. If you haven’t, allow me to fill you in. Banks place heavy emphasis on the entrepreneurs personal as well as business credit, in addition to many other factors. For some business owners, a few missed payments on a credit card can be the difference between receiving funding and being left out in the cold.Most banks will also want years’ worth of tax returns and other documents for their loan application. They will spend weeks analyzing the data, slogging through every decision you have ever made. You will also need to explain exactly how every penny of the loan will be spent in advance, and detail it in a business plan.Banks will also require a list of collateral and capital that you are willing to risk on the loan. Should your business run into hard times, you may find the delivery van that you need to run your business has been taken away by the bank.Finally, after the banking crisis of the last few years, many banks are still feeling the after effects of their poor lending policies that led to the near collapse of the economy in the first place. This can make it difficult to simply find a bank that is accepting small business loan applications at all.I don’t want you to think that bank loans are all bad. Quite the contrary, banks provide some of the cheapest and safest working capital a business owner could ask for, which often more than makes up for the inflexibility of the loan application process.What about an MCA or alternative loan for small business?An MCA (Merchant Cash Advance) is a very different form of lending. To qualify, most lenders require you to have been in business for more than a year, as well as a minimum monthly number of credit card transactions. While the terms and process are much more flexible than a small business loan application, the price tag for the capital can vary widely from lender to lender.MCA’s are not technically a loan; rather, the lender purchases an amount of future credit card sales your business is expected to make at a discount. Because of this, the loan is repaid in micropayments as credit card sales are made. The advantage to this is there are no large monthly minimums to meet. The disadvantage is a slightly higher overall cost unless the lender has access to inexpensive capital and can provide a discount on merchant account services that will further offset the cost.Unsecured loans, while sometimes more expensive, often have a much simpler small business loan application process. The trade off is the possibility of slightly higher interest rates to cover the risk of the loan. Because of that, it’s best to find a company that offers a lowest rates guarantee during the small business loan application process. Shopping around can help you save a substantial amount.So what are your options?Choosing the right option really depends on your situation. If you can afford the extra time and resources necessary to get a traditional small business loan, then perhaps it really is the best option for you. If you have less than perfect credit or believe you may have a few slow months coming soon, a loan based on cash-flow or an advance on your credit card sales may be the best option. In the end the key is finding a reliable bank or lending company that you can trust to help you find the right solution