"Car buying is, or should be, a calculated decision,"says John Mondin, an auto travel counselor with AAA. The complex and sometimes frightening process of car buying is demystified in a comprehensive guide that covers: How to choose the right car, new/used car-buying strategies, getting a used car bargain,avoiding the pitfalls of leasing, how to shop for insurance.
In addition, Strategies for Smart Car Buyers includes several appendices and a variety of new material to complete the buyer's research process, including: The acclaimed investigative series, "Confessions of a Car Salesman," relating insider secrets in an entertaining account of two car dealerships, monthly payment charts and monthly leasing payments, expanded financing section detailing crucial contract dos and don'ts, plus additional commentary throughout text from undercover car salesman Chandler Phillips.
Online new car buying is a quick and easy way to look for a car in the privacy of one's own home without the pressure of rash buying. Online car buying is a reality now because of the many excellent sites where you can find the car you've been looking for. See all the buying and selling articles you can find on avoiding scams and post-sale problems. As most of us know, used-car buying is a business wrought with scams. One of the best innovations in used car buying is the CARFAX website.
Tips
Educate yourself before buying a car, no negotiating prices without going for a test drive! Do you buy nice clothes without trying them on. Arm yourself with knowledge,with these tips, you can confidently walk into a car dealership, ready to be confronted by eager salesmen. More dealers are better: The more dealers you have in your area, the more competition for your business, the higher your odds of getting a good deal. Some helpful guidelines and car buying tips can be found at the Federal Information Center, as well as a wealth of other money related issues.
Information
The good news is that with the advent of the Internet, a world of information -- never available to our parents and grandparents -- is just a click away. Walking onto a dealer's lot with no information is like walking into the lion's den. And relying on a dealer for Sohbetim Information about Car is just slightly better. It levels the playing field by giving accurate information to the consumer.
You can also read up on the latest car reviews by browsing the Web as there is literally a wealth of pertinent information available online. Never discuss in a dealership what you can afford on a monthly basis; dealers can use that information to structure a car loan to meet or slightly beat your monthly-payment requirements, without addressing the more important issues: the total price of the car and the terms of the loan. To negotiate on price, you must be armed with information about the true value of the car you want with all the options you demand.
A variety of Web sites now offer detailed consumer Sohbetim Information about Car comparing the dealer's invoice cost, what the dealer paid the manufacturer, against the MSRP printed on the window sticker. Important information about automobiles and fuel economy should always be considered. Some helpful guidelines and car buying tips can be found at the Federal Information Center, as well as a wealth of other money related issues. Check it out, you'll be surprised at the valuable information you'll find there. They combine extensive industry knowledge, dealership experience, and the power of the Internet to empower the consumer with the information they need to negotiate the best deal. They offer valuable research and information about used cars. You can find out about rebates online whereas before, unless you ask the car salesman, he wouldn't volunteer the information to you.
Loan
You will get greater flexibility and savings by getting pre-approved for a car loan before shopping for a new or used car. And,if you decide to finance the car, find out what your monthly payment should be by shopping for a car loan before going to the dealership. You may discover that getting a loan will cost less than financing directly. If you do find a loan that you like, it's recommended that you get approved for it before buying the car. The question you really must ask yourself at this point isn't how much car you can afford but how much car loan you can afford. That determines how much car loan you'll be able to cover comfortably every month for the next three to four years. The next step is to talk to your bank or credit union to find out what rates they're currently charging on new-car loans for 36 and 48 months. There are many ways to find the best loan for you regardless of your credit standing. The prospective car buyer can also look into current interest rates on car loans ahead of time and determine which way they should proceed with regard to financing the vehicle. So be sure to follow these steps; do your research on the car, research available loan rates and programs online, check your impact on your insurance, and then reach a dealer about the car you want.
Monday, July 20, 2009
he Isis Papyrus Business Information Platform
In 2008 ISIS Papyrus celebrates 20 years of continued innovation. From its first forms design product in 1998 to its current Papyrus platform utilizing artificial intelligence for process management, ISIS Papyrus was always first in line to innovate. More than 2000 clients utilize ISIS Papyrus products worldwide for such strategic applications as managing the issuing and renewal of more than half of the United States credit cards. By far the largest percentage of all financial, insurance and telecom documents in the EU is produced by ISIS Papyrus software. The upcoming ISIS Papyrus V7 already delivers what vendors such as Microsoft, IBM and Oracle are announcing as "modeling strategy for process management".
ISIS Papyrus - built on its Papyrus Objects integration architecture - delivers an open, as well as standards-enabling platform for business process management across Papyrus Inbound and Outbound, third-party and legacy applications. Papyrus is delivering pre-built business processes across ERP, CRM, ECM, as well as Sohbetim Information about Business intellligence and industry applications using a meta-object model, SOA-compatible and general messaging interfaces, and a powerful freely definable portal user interface. Inbound and Outbound document management is tightly integrated with the central Change Management repository. Additionally, business users are able to extend the object model with their own meta-data definitions, store it to the repository and have full upgrade protection across any future product versions.
"The Papyrus architecture solves the long-term managment problem of processes that are linked to multiple applications," said Max J. Pucher, Chief Architect of ISIS Papyrus Software. "By not depending on late-to-the-market standards such as BPEL we can focus on true long-term and cross-platform compatibilty to give our customers the flexibility to make changes to the underlying applications as well as the processes without disrupting the business users."
Using the Papyrus WebRepository customers can immediately use Papyrus' existing business objects, interface services, process and Sohbetim Information about Business case samples and infrastructure components to define specific end-to-end process integrations with or without related documents. Using a proven reference architecture and reusable service interfaces, Papyrus WebRepository significantly reduces the time, cost and risk associated with implementing Service Oriented Architecture projects. Our common model approach for application integration provides the foundation for creating composite processes while ensuring long-term process durability. WebRepository allows customers to define processes and integrations with the same development efficiency, control and visibility that ISIS Papyrus employs for its own software systems and inhouse applications. The Papyrus WebRepository not only manages the modeling and deployment of how processes and services are utilized and how they relate, it further enables customers to run complete integration tests, and most of all ensures the rentention of process analysis as well as implementation knowledge.
Why not Business Process Execution Language (BPEL)?
While BPEL is a standard, it is common practice to utilize jBPEL (BPEL with Java) that is proprietary to each vendor. The software user has therefore the worst of BOTH worlds - it is outdated (because it is built on a standard) but it is still proprietary. Each software vendor adds complex service links as API's and SOA interfaces to make the integration with their own tools easy and reduce the cost to deploy and maintain integration. That makes the process implementation completely proprietary!
Even though a Papyrus System installation and document design does NOT require Java or C++ programming, customers do expect and receive a complete analysis, training and implementation service package. ISIS has experienced consultants in every major country.
We at ISIS Papyrus understand the challenges large corporations face to manage processes and to produce, manage and distribute personalised, data-driven and process related customer communication to remain competitive in today's market. ISIS consultants analyse the corporations unique communication goals and then provide the tools and expertise necessary to produce high volume, personalised paper and electronic communication that significantly improve customer and prospect responses as well as client satisfaction.
ISIS Papyrus - built on its Papyrus Objects integration architecture - delivers an open, as well as standards-enabling platform for business process management across Papyrus Inbound and Outbound, third-party and legacy applications. Papyrus is delivering pre-built business processes across ERP, CRM, ECM, as well as Sohbetim Information about Business intellligence and industry applications using a meta-object model, SOA-compatible and general messaging interfaces, and a powerful freely definable portal user interface. Inbound and Outbound document management is tightly integrated with the central Change Management repository. Additionally, business users are able to extend the object model with their own meta-data definitions, store it to the repository and have full upgrade protection across any future product versions.
"The Papyrus architecture solves the long-term managment problem of processes that are linked to multiple applications," said Max J. Pucher, Chief Architect of ISIS Papyrus Software. "By not depending on late-to-the-market standards such as BPEL we can focus on true long-term and cross-platform compatibilty to give our customers the flexibility to make changes to the underlying applications as well as the processes without disrupting the business users."
Using the Papyrus WebRepository customers can immediately use Papyrus' existing business objects, interface services, process and Sohbetim Information about Business case samples and infrastructure components to define specific end-to-end process integrations with or without related documents. Using a proven reference architecture and reusable service interfaces, Papyrus WebRepository significantly reduces the time, cost and risk associated with implementing Service Oriented Architecture projects. Our common model approach for application integration provides the foundation for creating composite processes while ensuring long-term process durability. WebRepository allows customers to define processes and integrations with the same development efficiency, control and visibility that ISIS Papyrus employs for its own software systems and inhouse applications. The Papyrus WebRepository not only manages the modeling and deployment of how processes and services are utilized and how they relate, it further enables customers to run complete integration tests, and most of all ensures the rentention of process analysis as well as implementation knowledge.
Why not Business Process Execution Language (BPEL)?
While BPEL is a standard, it is common practice to utilize jBPEL (BPEL with Java) that is proprietary to each vendor. The software user has therefore the worst of BOTH worlds - it is outdated (because it is built on a standard) but it is still proprietary. Each software vendor adds complex service links as API's and SOA interfaces to make the integration with their own tools easy and reduce the cost to deploy and maintain integration. That makes the process implementation completely proprietary!
Even though a Papyrus System installation and document design does NOT require Java or C++ programming, customers do expect and receive a complete analysis, training and implementation service package. ISIS has experienced consultants in every major country.
We at ISIS Papyrus understand the challenges large corporations face to manage processes and to produce, manage and distribute personalised, data-driven and process related customer communication to remain competitive in today's market. ISIS consultants analyse the corporations unique communication goals and then provide the tools and expertise necessary to produce high volume, personalised paper and electronic communication that significantly improve customer and prospect responses as well as client satisfaction.
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