Yes there are bad credit auto loans online for people with a poor credit history and low FICO scores who need transportation, and need a fresh start in repairing their credit. Although it may seem hopeless if you have blemishes on your credit there is a solution. First you will want to get rate quotes from various sources. This is very important, you should shop around to find the best deal. However, keep in mind that there are different factors at play with each lender, as to whether or not you get a loan and if so at what interest rate.You can get approved for a auto loan. But lets be clear, obviously you are not going to get the preferred interest rate on a car loan that a person with A+ credit will receive. However with a little research, especially online, you can find the best auto rate quote that meets your circumstances.Most people just dive head first into the auto financing process when buying a car, giving no thought to how the auto loan interest rate affects the overall cost of the vehicle or monthly payment. With no plan of action or alternative financing source, this results in them receiving high interest rates and high processing fees which lead to high monthly payments.It is vital that you make a plan, especially if you carry a bad credit history. As you know, it can be difficult to finance a car with poor credit. Lack of proper planning only complicates the process. So before you go to a dealer get a copy of your credit report and FICO score so that you know whats on it, and that there are no errors. There are, however, auto loan companies and banks that are actually competing for your business and that offer bad credit car loans. Planning is essential.A history of bad credit leaves many individuals feeling hopeless in their ability to get reasonable auto loan quotes. Sometimes they fill out a loan application at one dealer and then are shown one or two vehicles that the dealer says they qualify for, with out even knowing the value of the car or the loan rate. You want to go to the dealer with a pre-approved auto loan quote and pick out what you really want. You have options available to you. Several auto lenders specialize in helping people start over regardless of their past credit history.However, you should compare three or more auto loan quotes in order to get the lowest auto loan rate and monthly payments. This can be done easily, you will find well known banks and reputable lenders that want your business have bad credit auto loan applications online that are simple and quick to fill out. You can complete one in minutes and get a response, if not in minutes in a few hours. Best of all there are no fees, most are free, and you are under no obligation to take a loan quote. But once you secure an car loan you like, you can then go to the dealer and purchase a car as if you have cash. This allows you negotiate the lowest price on the vehicle you want at the best possible rate.To really save you will need to get quotes from various lenders, whether or not they are online, credit unions are another good source. You should compare a minimum of three auto loan quotes. Of course, online quotes are easier to get since you do not have to leave your home or office to find them. Once you receive approvals, you will know what your options are, repayment options and monthly payments costs. The internet has made it ideal for you to find not one but many lenders that offer bad credit auto loans online. Pick the lowest and save.
Recently there has been a shortage of certified health care professionals and it is putting a strain on the health care industry. If you love helping people you could find yourself in a career that his highly in demand. Depending on the field of study you are interested in you could complete you training an anywhere from 5-10 months by entering an instructor led program with low student to teacher ratios. Business colleges use a combination of hands-on learning and theoretical learning to help students become fully trained in their fields.One of the most popular programs is the Health Care Aid program. This program will cover things like the role of Health Care Aids in the health care system and it will train students to do physical things like lifts and transfers. Students will also learn about home management, patient care plans, and meal preparation. Graduates of Health Care Aid programs often find positions in hospitals, private homes, and in long-term care facilities. Compassionate individuals with the appropriate training are high in demand and they will find many rewards in this field.Some of the other skills that health care students will learn include:Verbal communications skill – it is important to be able to communicate with clients and with the family of clients who want to know about the progress of their loved ones. Sometimes this is not easy because you will need to deliver news that is not what they were hoping for. With good verbal communications skills though, you will be able to relay this information in the most tactful way possible.Medical terminology – as you relay information to doctors and nurses in your patients’ case you must be able to use the correct terminology. If you are not familiar and comfortable using this terminology you can make mistakes that can affect your patient’s health and even cost them their lives.People skills – whenever health care is involved you can be sure that people are scared, anxious, worried, and need reassurance so your people skill must be at their best. Do you know how to change your tone to suit the situation? Can you choose the right words to make people feel better? Are you able to use verbal signs that are reassuring? All of these things come into play with you people skills and using them effectively can help you do your job better.
Much is written about getting sales people to perform at the highest levels. There are countless sales training programs, books, blogs and webinars that focus on sales people as individual contributors.All of this is powerful and critical for sales people, but the most important element in driving high sales performance in the organization is the sales manager. Sales manager’s have to provide the leadership, coaching and development to help sales people understand high performance and what they need to do to achieve the highest levels of performance.Too many managers are poorly equipped to provide this leadership. They were outstanding sales people, now promoted into management. They don’t change their behavior but try to manage by being “super sales contributors.” This won’t work-the numbers overwhelm the sales manager-they fail. The team is demotivated-they fail.There has to be a different way, something that leverages the experience of the manager, enabling them to grow the capabilities and performance of their sales teams.Congratulations, You’re A New Manager!When I moved into my first sales management job, I had the good fortune of working for a company that invested in training and developing sales managers. Unfortunately, in today’s environment, it seems like it’s more “Tag You’re It.” People are appointed to be sales managers, but have little or no training or coaching on how to be a high performing sales manager.It’s not wonder most new sales managers fall back into their comfort zones, being great sales people. But now, they see they have to do it across a larger territory and with their people.It’s impossible to do this, the numbers are simply against the sales manager. Think of this example, as a top performing sales person, you consistently hit your annual $5M quota, sometimes you over achieved it. But you were constantly busy, never having any surplus time to sit back or hit the golf course. The job took 50, 60 or more hours a week, but you did it and excelled.Now, poof, you’re a sales manager. You’re managing 10 people, each with $5M quotas. Your immediate reaction is to do what you did well in the past – doing deals. Now you have to do it for $50M, not just $5M. Sure you have sales people that can “help you out,” but after all, your past success was based on your personal abilities, and you were the best sales person. So the tendency is to get the sales people to do the trivial task and you as “super sales manager” sweep in to do the major tasks for all the deals.Funny, the number of hours a day, days per week hasn’t changed. In your old role, every waking hour was spent doing your $5M of deals, now you have the challenge of squeezing 10 times that amount into the same time (OK, sleep is overrated, you try to work 7×24). Soon you find yourself drowning, you have more work – and your team is delegating more upward. There are not enough hours in the day. You start crashing and failing.The numbers simply go against the manager, you can’t continue doing the same things you did before (even with the support of your team). There are not enough hours in the day to achieve the $50M.The next thing happens is you “lose” your team. They see you coming in and pushing them to the side. After all you know how to do it better than them, all they need to do is get out of the way – or maybe do those trivial tasks, leaving the critical calls to you. The team realizes you don’t value them, that you in fact are competing with them. They see no reason to drive their performance in the territory. They start delegating everything up to you. Their morale suffers, they don’t respect you – after all you aren’t helping them develop and you push them to the side.Pretty soon you are all alone. You are in a situation that you cannot survive, you fail, your team fails, your management is pleased to try to find someone who can come in to “fix the mess.”What’s A New Manager To Do?The job of a sales manager is different from being an individual contributor. While your experience as an outstanding sales person can help you, it’s important to recognize it’s different.The key thing a new sales manager needs to understand is their job is getting things done through their people! The sales manager will only be as effective as the combined efforts of their team. Getting the team to perform at the highest levels is the mark of great sales managers. This means shifting your behavior. Moving from being the individual contributor who “did the deals, ” to the manager that coaches, questions and probes their people, helping them be more effective in “doing the deals.” Great managers revel in their people’s success. They want to see each person perform at the highest levels. They focus on coaching and developing – at every opportunity.Great management requires further shifts in behavior. It means managing the process, not the transactions. As sales people we focused on each transaction or deal. The sales manager can’t afford to manage each transaction – here, again, the numbers go against you. Take this example, each of your 10 sales people have 10 active deals they are working on (most I know have far more than this). Each week you spend 30 minutes reviewing each deal, micromanaging the strategy with your sales people. Reviewing 100 deals a week (do the math), means you are spending just 50 hours a week in reviewing and micromanaging deals. When do you have time to make customer calls, do forecasts, do any of the other 100′s of things expected of management.Sales Managers can’t possibly be involved in the transactions. The ony way to manage performance is to make certain you have a strong sales process in place and that your sales people are executing the process as effectively and efficiently as possible. Now your job becomes more manageable. If you review 2-3 deals per sales person, and you see they are “in control” of the process, then you can expect the others will probably be in control as well.There are many other things involved in being a great manager. However, the foundation is based on these two elements: 1. the job of the sales manager is to get things done through their people, and 2. great sales managers manage the process not the transactions.