Auto Shop Communication Tips!

An auto center you’re not familiar with can either make your service or repair a rewarding experience, or one that’s not so good. Many vehicle owners end up being confused as to what type of work the auto shop mechanic is actually going to do. As a vehicle owner, it is up to you to ask questions and make sure you understand the policies of the auto center relating to cost of labor and parts, warranties, and the repair to be performed. Don’t be surprised with unexpected costs, time expectations, or the expected vehicle operation.

Here are a few tips to help you communicate effectively with your mechanic the next time you visit an auto shop:

>Questions Don’t be intimidated by repair terms you don’t understand, but ask to have them explained in simple terms. Your mechanic should also ask questions of you to obtain diagnostic information and to know how you would like to proceed with any repair or service.
>Take your time Don’t be in a hurry when dropping off your vehicle. Take time to explain the problem. An on-the-spot diagnosis may not be the right one, wasting your valuable time and money.
>Be available Leave a contact number so that the auto center can call you to apprise you of the problem, course of action, the cost, and obtain your approval for starting the work.
>Understand Policies Most auto shops have written policies for labor rates, guarantees, warranties, and acceptable methods of payment.

So that you can be completely satisfied with the service to your vehicle, ask questions, receive answers, and then ask questions again–until you understand what you are getting!

If you’re looking for a full-service auto shop with highly trained professionals, contact our ASE Certified Technicians at Gary’s Quality Automotive by calling (308) 381-2295 or go on-line at for more information. Our auto center proudly serves vehicle owners in Grand Island, Wood River and Doniphan, NE.

Emerging Trend Of Online Diwali Gifts Shopping

People believe that Diwali brings series of festivals with joy and happiness to everyones lives and as a common trend many people visit their dear ones home weather they are in India or abroad. Diwali is a biggest festival In India and celebrated as a king of festivals because it is not just festival but series of many auspicious festivals starting from Dhanteras, Diwali, New Year and Bhai Dooj.

Every year these festivals bring Indian New Year with blessings from God and elder family members. This is one ancient Hindu tradition. Every year more and more people send Diwali Gifts and other items to India. Diwali is a Hindu tradition of enjoying victory of truth. On Diwali days many people comes back to India just to celebrate Diwali with dear family members.

People visit their relatives home. Many people reside outside India and they generally send Diwali Gifts to India to relatives. Even many are sending Gifts on Diwali to India to share their love and affection. Families who are living in India are sending Diwali wishes and sweets to USA or abroad. Even those who live in India send Diwali Gifts to their family members to wish their love and affection to their family members as it is a best way to show feelings towards someone you love.

People also decorate entrance of their homes with colorful design of Rangoli to welcome their Guest with warms feelings. Almost all Markets and shopping malls get immensely crowded as people visits them to buy Diwali Gifts, house hold items, new cloths and Sweets. For Kids and Teens Diwali is about Gifts, Sweets and fire crackers. Kids love to celebrate Diwali with crackers. They get gifts like Toys, Games, and Sweets from parent and relatives.

Day by day online shopping is becoming preferable option for sending Diwali Gifts to India or USA because it does not requires spending entire days or weeks to buy Gifts items. On Diwali, many shoppers present new and rich Diwali Gifts collection online. This collection includes Diwali Gifts like sweets, appliances, flowers & cakes, Gifts for her & him to name a few. This Diwali enjoy rich experience of gifting someone you love and wish prosperous New Year also.

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

Small Cap Stock, Obee’s Franchise Systems Inc., Featured In Audio Interview At Smallcapvoice

To listen to the audio interview featuring small cap company Obee’s Franchise Systems, Inc. (OTC Pink Sheets: OBFM) with interviewee Peter Brown please go to our website, listed in the resource box.

Obee’s Soups Salads & Subs is owned by Obee’s Franchise Systems Inc., Obee’s currently has over 50 restaurants open and in development across 21 states. The company has commitments to open over 1,000 additional locations over the next ten years. The chain has won numerous local and regional awards for its food menu and service.

Obee’s Franchise Systems, Inc., (OTC Pink Sheets: CYPW) is an OTC Pink Sheets listed small cap stock company, who recently announced that the first restaurant in Port St. Lucie, Florida has been sold by the company’s Area Developer for St. Lucie county. The obee’s(R) soups, salads & subs, located 10075 S. Federal Highway in the Port St. Lucie Town Center has recently been sold by Bruce Campbell to Mr. and Mrs. Ronaldo Silva. The transaction now clears the way for Obee’s Franchise Systems, Inc. and Mr. Campbell to begin selling new franchises in the territory.

‘Bruce made a very prudent decision when he first agreed to be an area developer for our company,’ explained Peter Brown OBFM President. ‘He decided that instead of immediately selling franchises of a restaurant brand that at the time was unknown in this area, he would instead operate the first location himself and thus become an expert. He has done just that and now we’re ready to assist him in every way possible.’

About Small Cap Voice

Small Cap Voice offers small cap & OTC investor relations services, dedicated to ensuring its client companies gain valuable exposure in the small cap and OTC markets. Through internet interviews, conference calls, emails, investment newsletters, small cap & OTC company news and placement on financial web sites Small Cap Voice creates a consistent presence in the public eye for their clients.

A Small Business Generate Sales For Major Companies

After the current algorithm changes in Google, Yahoo and Bing in 2010, certain major search engine optimization and SEM businesses have encountered problems with getting their clients higher ranking on the local searches. On the other hand this problem opened the new doors for such companies, as they became familiar with the importance of outsourcing. While some of these companies continued to outsource theirSEOprojects on freelance marketplaces, a small company GoldenWayMedia in Trondheim, Norway helped many major SEO companies with their needs.

This small business is operated by a smart young Norwegian programmer, Maria Johnsen. With the fluency in seven languages and a smart technique of mathematical calculation, Maria Johnsen assisted many companies with their needs around the world. Maria Johnsen obtained top position for these companies keywords which generated more sales and as a result content clients. The smart technique in seo increased the number of more clients for SEO Norway at SEO and golden-way-media.com
This young Norwegian programmer was able to lift up many small businesses in countries such as: Russia, the United States of America, UK, France, Germany, Ukraine and Scandinavia. While some businesses search for SEOprogrammers in India, Romania and China.
SEO Norway Trondheim ( Golden Way Media) was able to slowly get certain small businesses around the world the top 3 positions for their keywords on Google, Yahoo and Bing and the other small search engines.

The increase of market demand in obtaining top position for the keywords on the organic search results has brought up more clients for golden-way-media.com and maria-johnsen.com

While many Scandinavian SEO and SEM companies were concentrated on outsourcing to India, Romania and China; some businesses in USA, UK, Ireland, France, Ukraine, Denmark, Sweden, Norway and Germany submitted their search engine optimization projects to Maria Johnsen.

According to our sources this young programmer, apply certain algorithm calculations that obtain the better visibility and top three position for the keywords on the search engines. The inexpensive pricing that Golden-way-media.com offers is another positive fact about SEO Norway

Although obtaining the top position for certain keywords are complex for some companies, certain companies such as SEO Norway on golden-way-media.com found it interesting and enjoyable to fulfil. I love to put smile on my clients face and see their businesses growing. Cost effectiveness is the most important factor for small businesses and my mission is to help them to increase their product visibility and as a result sales says Maria Johnsen

If you wish to market your product, you may wish to submit your project on golden-way-media.com You can also outsource your project on Globfreelance.com

Link building
Need Market for Your Product? Visit here

Who Benefits From A Hosted Shopping Cart

Website shopping cart software that benefits the storeowner, web developer, and the end-customer, that is everyone interested in an online store! One of the pioneers in the Ecommerce field has launched such software along with hosted shopping cart services. In the light of this development, this is a brief review of the industrys expectations and envisaged benefits.

Built-in SEO:
Until a few years ago, web developers have been grappling with a strange problem of search engines not indexing product and categories pages. One of the developers found a way to prompt search bots to navigate and index all the pages in a website and solved the issue. The new website shopping cart software incorporates this powerful solution.

If you are a storeowner, you are sure to ask what all this jargon would actually do. The website shopping cart software has built-in SEO capability and makes your website Google PageRank 2.0 compliant. It responds to user behavior by proprietary Keyword Mapping Technology and allows appropriate URL hierarchy; you can even use keywords in the directory and filename sections of the URL. Website owners have long sought this kind of efficacious SEO capability. The combination of the features reduces bounce rates and ensures better score on other search engines too.

This new website shopping cart software has potential to bring you more prospective customers and improve revenues. Simplicity is the beauty of this new software, since web developers need only know HTML and CSS they can reduce development costs for their clients. Costs come down because of two more features; your web site will comply with Payment Card Industry (PCI) standards, which lowers the assessment fee levied by the merchant account companies. Further, you need not spend additional money on SEO separately. SEO is built-in to this website shopping cart software.

Advantage of Hosted Shopping Cart:
Can Ecommerce stores afford infrastructure comprising 12Gig RAM, 10 CPUs, 1,000Mbps connectivity, and RAID 10 disk configurations to host their sites? Apart from being impossibly expensive, this may be a classic case of overkill. A company owning such equipment and technology can offer hosted shopping cart services and take care of the innumerable factors necessary to run your Ecommerce site successfully. Usually, such support provides more than 99% uptime and fast delivery of your web pages.

While opting for a hosted shopping cart, it is better to make sure that the company has robust content delivery network. Such company will have a system of computers spread across to send search engines and visitors to a server least occupied at that time; the effect will be to speed up delivery of web pages, enhance customer experience, and improve revenues.

The website shopping cart software and the hosted shopping cart are available on SaaS model, for monthly fee meaning you need not invest heavily for the features. The best way to experience the two is to ask for a free trial.

The 30 Day Challenge For Entrepreneur Success

The moment that you begin with your new online business you are taking the challenge and beginning a new part of your life. Entrepreneur success is about making changes to your habits and your to your thinking, so when you take the 30 day challenge with your online business you set the seeds for success in you.

Habits take about 30 days to become a part of our new way, and by building sturdy entrepreneur habits you set off the process of creating a solid foundation for yourself and for your business. Make some time in deciding what you want to do and achieve over the next 30 days in your online business.

Take the 30 day challenge and set your goals for your entrepreneur success. Make an action plan of what you will to gain knowledge of and begin to master and build an action list of what exactly you will do to develop your online business. It is the process of daily action in the pursuit of your goals that leads to business success.

The very process of starting a new business means you expect to set up a new way of life. Make the new way a way of self empowerment. By educating yourself as much as you work on your business, you will be creating the new habits that are critical factors for entrepreneur success. You can reach whatever you believe you can, and the same applies to you will fail at whatever you believe you will, so by settingstrong empowering beliefs and following your action plans you will lead yourself towards the outcomes that you want. Positive thoughts and actions are the critical success factors.

Adopt change, welcome the change that will occur. The more that you prepare the changes the more you will feel in control of what is happening. We all are happy in ourselves to the degree that we have control of what is happening around us. By organising yourself for the next 30 days you will be taking control of your new habits and actions and at the same time taking control of your new business.

Entrepreneur success is a habit, take the challenge and shape a forward momentum in your life. By changing how you see yourself and how you behave you will at the same time change how others see and believe in you. That will change the outcome with your business.