Utes are made to haul, but among these workhorses, a few stand out for their impressive towing power. Check out the top contenders for the highest towing capacity.
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.
Used car loans have higher interest rates than new vehicle loans. They have less value to the lender, have shorter terms and hard to appraise and sell. They also are often requested by borrowers with low credit scores. A smart alternative to used car financing is getting a personal loan to buy a used 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.
Used car loans have higher interest rates than new vehicle loans. They have less value to the lender, have shorter terms and hard to appraise and sell. They also are often requested by borrowers with low credit scores. A smart alternative to used car financing is getting a personal loan to buy a used car.
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.
It is essential to build your savings after splurging to prevent any financial damage from snowballing and secure your financial future. The sooner you acknowledge the money loss and create an action plan, the sooner you can recover and get your finances back on track.
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 is essential to build your savings after splurging to prevent any financial damage from snowballing and secure your financial future. The sooner you acknowledge the money loss and create an action plan, the sooner you can recover and get your finances back on track.
A small business loan can help increase your working capital, cover cash flow gaps and support your business growth and expansion. It’s essential to build good credit scores and present a detailed financial plan to increase your chances of approval. Providing collateral can also raise the odds, especially if your credit scores are not that impressive.
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 small business loan can help increase your working capital, cover cash flow gaps and support your business growth and expansion. It’s essential to build good credit scores and present a detailed financial plan to increase your chances of approval. Providing collateral can also raise the odds, especially if your credit scores are not that impressive.
Every car is subject to depreciation. However, it can be slowed down with proper vehicle maintenance and preventive measures. If you’re planning to sell your car for a good price in the future, avoid these five habits.
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.
Every car is subject to depreciation. However, it can be slowed down with proper vehicle maintenance and preventive measures. If you’re planning to sell your car for a good price in the future, avoid these five habits.
Small businesses that need a vehicle but operate on tight cash flow can take advantage of a chattel mortgage. This type of secured loan allows businesses to tailor loan repayments according to their financial position and 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.
Small businesses that need a vehicle but operate on tight cash flow can take advantage of a chattel mortgage. This type of secured loan allows businesses to tailor loan repayments according to their financial position and provides many tax benefits.
Do you find it hard to build your savings account as a shopaholic? With a little self-control and a few shopping tricks, you can save money without restricting yourself from buying stuff.
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.
Do you find it hard to build your savings account as a shopaholic? With a little self-control and a few shopping tricks, you can save money without restricting yourself from buying stuff.
One of the best times to buy a car in Australia is at the end of financial year. During this period, many car manufacturers and dealers put up the slow-selling vehicles and old stocks on sale to make room for new models. Car buyers can also negotiate a better price with salespeople who are eager to close deals and hit their yearly targets before the new financial year begins.
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.
One of the best times to buy a car in Australia is at the end of financial year. During this period, many car manufacturers and dealers put up the slow-selling vehicles and old stocks on sale to make room for new models. Car buyers can also negotiate a better price with salespeople who are eager to close deals and hit their yearly targets before the new financial year begins.
Small and medium-sized businesses in Australia can now enjoy a higher tax deduction on their asset purchases. The federal government has expanded eligibility to medium-sized businesses with a turnover cap of $50 million. Also, the threshold amount that can be claimed is now $30,000 for assets acquired between 2 April and before 1 July 2020.
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 and medium-sized businesses in Australia can now enjoy a higher tax deduction on their asset purchases. The federal government has expanded eligibility to medium-sized businesses with a turnover cap of $50 million. Also, the threshold amount that can be claimed is now $30,000 for assets acquired between 2 April and before 1 July 2020.
If your spending habit is getting out of control and your credit card debt is ballooning, going on a cash diet is beneficial. Working like a “financial detox”, it involves the exclusive use of physical money for spending, keeping debit and credit cards away as you try to take control of your finances and build a healthier bank account.
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 your spending habit is getting out of control and your credit card debt is ballooning, going on a cash diet is beneficial. Working like a “financial detox”, it involves the exclusive use of physical money for spending, keeping debit and credit cards away as you try to take control of your finances and build a healthier bank account.
Bank reconciliation is the process of comparing your internal financial records against the records in the bank statements. It helps safeguard your bank account against any erroneous bank charges, unauthorized withdrawals and fraudulent payments, which can cause poor bank conduct and bad credit score.
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.
Bank reconciliation is the process of comparing your internal financial records against the records in the bank statements. It helps safeguard your bank account against any erroneous bank charges, unauthorized withdrawals and fraudulent payments, which can cause poor bank conduct and bad credit score.
Going through your monthly bank statements may seem like a mundane task, but it is important to keep your financial health in check. Bank reconciliation can help you verify cash flow, catch fraud, detect bank errors, rectify accounting errors and save money.
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.
Going through your monthly bank statements may seem like a mundane task, but it is important to keep your financial health in check. Bank reconciliation can help you verify cash flow, catch fraud, detect bank errors, rectify accounting errors and save money.
Gone are the days when independent tradies struggle to seek financing to support or grow their business because they do not have payslips as proof of income. Today, there are many lenders who offer secured and unsecured loans for self-employed individuals.
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.
Gone are the days when independent tradies struggle to seek financing to support or grow their business because they do not have payslips as proof of income. Today, there are many lenders who offer secured and unsecured loans for self-employed individuals.
Utility bills, mortgage, groceries, bags and shoes...Sometimes it’s tough to set aside money for future needs when you have a lot of bills to pay and stuff to buy. Check out these money-saving hacks to help you reach your financial goals.
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.
Utility bills, mortgage, groceries, bags and shoes...Sometimes it’s tough to set aside money for future needs when you have a lot of bills to pay and stuff to buy. Check out these money-saving hacks to help you reach your financial goals.
Making a shopping list is useful for many reasons. Aside from helping you save money and avoid impulse buying, it also allows you to spend time and energy wisely, improves your memory and supports your healthy weight loss plan.
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.
Making a shopping list is useful for many reasons. Aside from helping you save money and avoid impulse buying, it also allows you to spend time and energy wisely, improves your memory and supports your healthy weight loss plan.
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