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Making Sense of the Senseless
It’s a strange time, stranger than any I can remember in the second half of my life. If you try to summarize the number of global issues our nation faces, it begins to feel unprecedented. There is violence on three fronts in Israel arising from the horrific terrorist attacks of Hamas. There is the question of how Iran and Hezbollah will accelerate that conflict. Putin is still waging a brutal…
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#compartmentalizing#education gap#healthcare costs#income inequality#israel#Kim Jong Un#modern medicine#monthly sales quota#passive aggression#Putin#semblance of humor#senselessness#Taiwan#trailing-edge baby boomer#Ukraine#Wall Street Journal
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This is part of a longer post that I've been composing in my head for months, but I've been watching a lot of anti-multilevel marketing (MLM) videos and it had started making me think about how, just like my mom has used religion to cope with her (previously undiagnosed) ptsd, she used MLMs also.
She sold Tupperware and got the Sea World convention trip. She sold Mary Kay and got the car. She sold other things I can't remember-- vitamin stuff, and was super into it.
And the way some people break down the MLMs in the videos I'm watching, really made me think about how that structure of having to constantly recruit new people is so much like evangelism in general, but particularly Jehovah's Witnesses. They are constantly trying to recruit you -- not just to save you, or teach you something they say will enrich your life, but because they have to make their quotas!
And now I'm watching these ex-JW vids, from Elders who have left the Jehovah's Witnesses, and it's bringing up a lot of memories, but also I'm getting even more of a peek behind the curtain of what goes on in the upper levels... it really is set up like an MLM corporation.
And if you're good at making those quotas, you'll probably thrive. My mom was always good at making her quotas -- both in MLM sales AND her monthly field service (proselytizing) hours. All aspects considered, she was a "better" JW than my father. She was always a joy to the congregation and everyone wanted her involved in things, she sewed the dresses for so many weddings, she sang out in meetings, and she was a zealous Pioneer who always made her quotas and brought new people in. She learned ASL to minister to one person in her territory, and ASL became a passion that led to her going to college once she was out of the JWs.
It's kinda hilarious to me that they lost a truly devoted JW when they disfellowshipped her because she wanted a divorce. đź‘€ (She had to break a religious law for her divorce to be recognized by the congregation, because dad being abusive wasn't enough-- because of their "two witness" rule about proving guilt. So she had an affair with a coworker, and let people find out about it, and then refused reconciliation in the prescribed Elder marriage counseling.)
When someone is disfellowshipped, they are fully shunned. Baptized people and full members of the congregation aren't allowed to speak to them or even acknowledge them. But my mom at first wanted to earn her way back in!! For which, she needed to stay devout and keep going to meetings, even though she wasn't allowed to sing or do service anymore or talk to any of her friends. And every 6 months or so, she could write a letter to the Elders and the Organization about why she should be reinstated. I overheard these things laid out to her when I snuck downstairs to listen in on their counsel. It was such a scary feeling, compared to the excitement of weeks earlier when my brother and I sat in my room listening to my parents fight about her affair, both of us crossing our fingers and whispering, "Please get a divorce."
Idk if this is where I lost my faith exactly, because even though I was raised in it I had ALWAYS questioned things that didn't make sense and got in trouble for it. But I also DID believe in the religion still-- I was 9/10 and didn't yet realize how that religion had actually been CREATED by men just the same way as Mormonism and all the other sects JWs decry. I just really started labeling them all as hypocrites at that point. The way everyone abandoned my mom, and acted like my dad was so betrayed and perfect; the way they TALKED about my mom and compared me to her all the time to keep my behavior in line. The way they would still talk to me, but not my mom. When she was right there.
...I intended this to just be short and get my thoughts out but I just kept going. Lol I'm stopping here.
But this is the video I was watching when I had to pause and type this lol.
#anti JW#ex JW#anti mlm#(as in multilevel marketing)#cults#religious trauma#my memoir#ish#podcasts#ex-cult
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I just want to tell you all about what's currently happening at my factory because it's not that crazy but I find very indicative. At the start of the year plant manager said there would be more overtime and a higher yearly/monthly quota. It's corporate, I expected that. January and February were record breaking months for the plant. We had an obligatory company pizza party.
For almost 2 months, there was an extra 2 hours on each shift of overtime (so everyday the plant ran for 20 hours instead of 16) and god damn did we make a lot of cement. March rolls around, and plant manager comes back to say sales are so bad the warehouse is full and that Friday we would be shutting the plant down.
We've had almost so few new orders since February we are shutting the plant down again. Which Beggs the question, why was the quota raised, if the sales weren't guaranteed, why the fuck did corporate approve so much overtime? Corporate is just assuming that the demand for cement and grout will just continually increase forever and demands even more of its workers' time just to leave them stranded when the projected sales are wrong.
Plant manager also said that sales were most likely going to stay low for a while. So there will likely be more unexpected 3 day weekends. Oh and we don't get paid for that. We just get surprised by the news and told we need to use the limited pto they give if we want a full paycheck.
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Buying Property in Thailand
Thailand is an attractive destination for property buyers due to its scenic landscapes, vibrant cities, and welcoming culture. However, purchasing property in Thailand, especially as a foreigner, involves navigating a complex legal framework and understanding the local market intricacies. This comprehensive guide will provide detailed insights, enhancing expertise and credibility by delving into the legalities, procedures, and best practices for buying property in Thailand.
1. Understanding the Legal Framework
Key Legal Restrictions:
Land Code Act B.E. 2497 (1954): Foreigners cannot own land in Thailand except under specific conditions.
Condominium Act B.E. 2522 (1979): Foreigners can own up to 49% of the total floor area of a condominium building.
Foreign Business Act B.E. 2542 (1999): Regulates foreign business activities and investments, impacting property purchases for business purposes.
Exceptions and Alternatives:
Board of Investment (BOI) Projects: Foreigners investing in BOI-promoted projects can acquire land under specific conditions.
Long-Term Leases: Foreigners can lease land for up to 30 years, with options to renew.
Thai Company Ownership: Forming a Thai company where foreigners hold less than 50% of shares allows indirect land ownership.
2. Types of Property Available for Purchase
Condominiums:
Freehold Ownership: Foreigners can own condominium units outright.
Ownership Percentage: The foreign ownership quota in a condominium building should not exceed 49%.
Leasehold Properties:
Land and Houses: Foreigners can lease land and houses for up to 30 years, with potential for renewal.
Registration: Leases exceeding three years must be registered at the Land Department to be legally enforceable.
Investment Properties:
Commercial Real Estate: Foreigners can invest in commercial properties through long-term leases or joint ventures with Thai partners.
Resort and Hotel Investments: Special regulations apply to foreign investments in resort and hotel properties, often requiring joint ventures.
3. Due Diligence and Legal Processes
Conducting Due Diligence:
Title Search: Verify the property’s legal status, ownership history, and any encumbrances or disputes.
Zoning and Land Use: Ensure the property complies with local zoning laws and land use regulations.
Environmental Compliance: Check for any environmental restrictions or issues affecting the property.
Engaging Legal and Financial Advisors:
Real Estate Lawyer: Hire a reputable lawyer specializing in Thai real estate to guide you through the legal processes.
Financial Advisor: Consult a financial advisor to understand tax implications, financing options, and investment strategies.
Steps in the Buying Process:
Reservation Agreement: Sign a reservation agreement and pay a reservation fee to secure the property.
Due Diligence: Conduct thorough due diligence with the help of legal advisors.
Sale and Purchase Agreement (SPA): Draft and sign the SPA, detailing the terms and conditions of the sale.
Deposit Payment: Pay a deposit, typically 10-30% of the purchase price.
Transfer of Ownership: Complete the transfer at the Land Department, paying the remaining balance and associated fees.
4. Costs and Taxes Involved
Purchase Costs:
Transfer Fee: 2% of the appraised property value.
Stamp Duty: 0.5% of the purchase price or appraised value, whichever is higher.
Withholding Tax: 1% of the appraised value or the actual sale price, whichever is higher.
Specific Business Tax (SBT): 3.3% of the appraised or actual sale price, applicable if the property is sold within five years of acquisition.
Ongoing Costs:
Common Area Fees: Monthly fees for maintenance of common areas in condominiums.
Property Tax: Annual property tax based on the assessed value of the property.
Utilities and Maintenance: Regular expenses for utilities, repairs, and maintenance.
5. Financing Options
Local Financing:
Thai Banks: Some Thai banks offer mortgage loans to foreigners for condominium purchases.
Eligibility Criteria: Generally, borrowers need to have a work permit, proof of income, and a good credit history.
Foreign Financing:
Home Country Banks: Some buyers secure financing from banks in their home countries, leveraging their assets abroad.
International Mortgage Providers: Specialized financial institutions provide mortgages for international property purchases.
Payment Plans:
Developer Financing: Some developers offer financing plans with staggered payments during the construction period.
Installment Payments: Buyers can negotiate installment payments directly with sellers or developers.
6. Common Pitfalls and How to Avoid Them
Legal Complications:
Unclear Title: Always verify the title to avoid disputes and ensure clear ownership.
Zoning Issues: Confirm zoning regulations to ensure the property can be used as intended.
Contractual Disputes: Have all agreements reviewed by a lawyer to prevent misunderstandings and ensure enforceability.
Financial Risks:
Currency Fluctuations: Be aware of exchange rate risks when making payments in foreign currency.
Hidden Costs: Account for all additional costs such as taxes, fees, and maintenance expenses.
Financing Challenges: Ensure you have a clear financing plan and understand the terms of any loans or payment plans.
7. Enhancing Expertise and Credibility
Demonstrating Professional Credentials:
Legal Qualifications: Highlight the legal qualifications and experience of your advisors and partners.
Professional Experience: Detail your experience in handling property transactions in Thailand.
Memberships and Affiliations: Include memberships in professional organizations like the Thai Bar Association, the Real Estate Broker Association, or international property associations.
Providing Authoritative References:
Cite Legal Documents: Reference specific sections of the Land Code Act and Condominium Act to support your points.
Expert Opinions: Incorporate insights from recognized experts in Thai real estate law and property investment.
Including Detailed Case Studies:
Client Testimonials: Feature testimonials from clients who have successfully purchased property in Thailand with your assistance.
Real-Life Examples: Provide detailed examples of successful transactions, highlighting any challenges overcome and solutions implemented.
Visual Aids and Infographics:
Process Flowcharts: Use flowcharts to depict the steps involved in the property buying process.
Diagrams: Create diagrams to visually explain key legal concepts and ownership structures.
#buying property in thailand#property in thailand#property lawyers in thailand#thailand#property#lawyers in thailand
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at the risk of being a weird evangelist: anime hasn't really done this.
japan's conservative (actual 'resistant to change' conservative) businesses means they're still broadcasting their shows in 12-13 episode blocks, then they closely monitor merch and home media sales to determine success. there are quotas and due dates, so there's still filler from time to time.
and manga still chugs along with their magazines on weekly or monthly release schedules, so those pages have filler that then gets adapted to animation.
which i think is why i refuse to call castlevania and scott pilgrim anime. they might have the visual aesthetics or be contracted to japanese production houses, but netflix signs the checks so they aren't produced with the anime business ethics.
genuinely one of the worst things that’s happened to television in the last few years (exacerbated by streaming services) is death of Filler. going from 20 episodes to 8 because “we didn’t really need that episode where the main characters went to the beach right? it had no long lasting effect” but we DID!!! we needed to see how they act without the Big Bad Plot and to establish the dynamics between the characters and lay in the sun (do they forget sunscreen? how do they react to a thieving seagull? do they get buried in the sand or do they do the burying?). the plot isn’t everything. the action doesn’t hit as hard without the quiet moments. give us character development and our little scenes back
#anyways#always buy the discs of shows you like#you can keep them forever#and financially tells the corporations#'you will make money from this'
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Indonesia to impose new export quota rules for bio feedstock POME Quantum Commodity Intelligence – Indonesia will add renewable fuel feedstock palm oil mill effluent to a list of palm oil products subject to export quota rules, a move that could limit exports from November, according to a government document seen by Quantum. The trade ministry said that Indonesian exporters of POME under the HS customs code 23066090 will now need to obtain export permits subjecting it to Indonesia's Domestic Market Obligation export quota system, effective late October. "For the effectiveness of the availability of cooking oil for the people...and optimizing the export policy of palm oil derivative products, it is necessary to reregulate the export of palm oil derivative products," said the document. Indonesia is the world's largest palm oil producer and exporter and accounts for the majority of sales of POME, which has become an increasingly utilised feedstock for biofuel supplied to Europe. Some trade participants said they have already been informed by Indonesia's customs officials of the new export quota system. The POME spot market has been firming in recent sessions, with offers from suppliers heard ranging from $820-850/mt FOB Indonesia and not shown any signs of letting up, trade sources said. "After factoring in the new POME levy [introduced in September] and now the DMO is coming into force, I don't think any seller would want to sell below $800 even," one market source said. Under the country's DMO, producers must first supply the domestic market with a part of their output at a capped price to gain export permits. Introducing DMO rules to POME would change the amount local companies can sell locally to gain export quotas. Trade participants expect the POME spot market to tighten even further and lift spot prices, in a market where suppliers already have to factor in a higher levy for the waste feedstock introduced last month. POME and UCO export levies were set equal to a percentage of the monthly crude palm oil reference price set by the government and at least twice the rate applied to biodiesel exports. Market sources said the change to fuel levies was effectively a strategy to keep feedstock in-country and help grow domestic renewable fuel output, as well as to combat suspected fraud in which crude palm was expected as POME to benefit from lower export taxes. Levies for UCO and POME were set at 6% and 7.5% of the CPO reference respectively, equivalent to $50.37/mt and $62.96/mt based on the September reference, up from flat levies of $35/mt and $5-25/mt before. In addition, POME has an unchanged $7/mt export duty.
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Welcome to the 3rd part of our Cagayan de Oro business interview series!
In this post, we’ll be sharing insider views and insights from local entrepreneurs, giving you a closer look at the business scene in Cagayan de Oro City.
Better Components
The manager said their company opened in 2017, the same year as SM. Their main products are high-quality, unique musical instruments, which make their business stand out. Their regular customers include barangays, private clients like theater groups, and everyday buyers. To keep customers loyal, they offer great service and use marketing strategies like promotions and sales. They also focus on treating customers well, encouraging them to recommend the business to others.
They measure their success by tracking quotas, sales, and the effectiveness of their marketing efforts. They use systems like inventory and database management that are linked to their finances. Employees are trained to handle different customer situations and be good workers. The leadership listens to employees to create a better work environment. When dealing with customer feedback, they respond calmly and kindly, believing the customer is always right. They take pride in hitting their monthly quotas and seeing their sales increase, especially during the "ber" months.
Deoglow
The manager said their branch opened in 2019 and mainly focuses on beauty products and services. They believe their business stands out because they offer high-quality products and great service, with customers being satisfied. Their main competitors are beauty stations, and they often serve local politicians like mayors from Villanueva. They build trust with their customers by listening to their needs and making them feel comfortable.
They handle their transactions manually without using any apps or systems. They deal with customer feedback and issues calmly, aiming to be professional in their work. Their business strategy involves posting online to attract customers, with a focus on meeting customer needs by providing good service. She also mentioned that having a good image is key to attracting more customers.
Far East Medical
The branch, which opened on March 23, 2017, mainly sells products like wheelchairs, electric wheelchairs, scooters, and other medical equipment. Their main customers are elderly people and some with disabilities. The business stands out by offering lifetime services and free labor, which has helped build strong customer loyalty. As a result, their sales increase, especially during the "ber" months (September to December). Their main goal is to meet their sales targets each month.
Their marketing strategy involves promoting their business and services on social media. They use an app called StoreHub for daily transactions. One of their biggest challenges is running out of stock on products that customers are looking for. The manager mentioned that patience is key in this kind of business since you won't always have customers all the time.
Hannah's Cake Decors and Party Needs
Their branch opened in 2021, focusing mainly on party decorations like balloons and birthday candles. They also offer cake decorations for events like birthdays and weddings. The branch manager believes their products are unique and high quality, making them better than similar stores. Their main customers are children, party organizers, and decorators.
We noticed that they also sell toys for children, which make great gifts. The manager mentioned that sales increase a lot during the "ber" months due to higher demand for party supplies. Their main goal is to meet their sales target every month.
Father and Son's Music
The manager mentioned that their business has been running for almost 7 years, with the branch in SM being open for around 2 years. They mainly teach music, including vocals and instruments, and their main customers are children and people with mental health challenges. They believe music has the power to heal, which is why they love their job – it allows them to help others through music.
The manager believes in personal growth for both students and teachers, as they can learn from each other. They emphasize that music can be profitable and often highlight their musicians. They want to convey the message that music can do more than just entertain; it can resonate with people. Many customers or students have stories they struggle to express, so they are motivated to teach music to inspire others and help them improve their lives.
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Cagayan de Oro Business Spotlight: Insider Insights from Local Entrepreneurs (Part 1)
Welcome to our latest blog series, where we explore the different business scene of Cagayan de Oro City.
Through exclusive interviews with local business owners, we uncover the strategies, challenges, and successes that drive their daily operations.
Continue reading to delve into the stories behind these businesses and gain valuable insights into what makes them tick.
UniSilver Jewelry - Limketkai Branch:
The UniSilver Jewelry branch in LimKetKai opened in 2000 and specializes in selling silver jewelry items. Their main competitor is Silver Works, but UniSilver sets itself apart by offering high-quality jewelry and free lifetime cleaning for their products. Their typical customers are middle-class individuals, and the store is known for its excellent customer service, well-trained staff, and clean environment.
One of their biggest challenges is the occasional lack of stock for certain jewelry items. Sales typically peak during the "Ber" months.
Currently, the branch's main goal is to consistently meet their sales quota. Their most effective marketing strategy is the "Loyalty Card Discount," and they measure its success by whether they achieve their monthly sales targets.
(image inside the shop)
UniSilver Jewelry generally does not use any specific systems to run their business. When hiring new staff, they post job openings online, review applicants' documents, and select the best candidates based on their qualifications. New hires go through a training period, and every employee is evaluated every two months to identify areas for improvement. Employee complaints are rare, as the company strives to offer the best benefits possible.
To handle customer complaints, all employees are trained in customer service and taught how to manage difficult situations to avoid escalations. The branch stays current with industry trends by designing jewelry that reflects the latest styles.
The branch’s greatest achievements include consistently meeting their sales quota each month and maintaining a satisfied and well-managed staff. The manager we interviewed shared her advice on managing a jewelry branch: always be prepared for unexpected challenges, especially when dealing with customer inquiries. She emphasized the importance of learning from customer feedback and growing from those experiences.
Sploop! VR Exprience Theme Park:
Sploop VR Theme Park is the first VR-centered amusement arcade located in Limketkai, Cagayan de Oro. They began operations on December 20, 2022, offering virtual reality gaming and experiences.
Their main competitor in this branch is World of Fun. Sploop VR stands out by providing a unique virtual reality experience enhanced with 9D and 12D audio and visual effects.
Their primary customers are students, Gen Z demographic, and families. The vibrant and futuristic design of their facilities, along with engaging services and promotions like ₱299 for 2 hours, help attract and retain customers. However, they face challenges during school seasons and natural disasters, such as floods, which impact customer turnout. Their peak seasons are typically during holidays, Christmas, and summer.
To achieve their sales targets, they use flyers and promotions and measure marketing success by tracking the increase in regular customers. They also employ an online-based system. HR management is responsible for staff hiring and training, while employee performance is evaluated through customer satisfaction, complaints, and performance reviews. Despite receiving only one customer complaint out of 100—regarding the queue rather than the service—they continually upgrade their VR and games through their main branch.
The biggest achievements for the branch include retaining existing customers and attracting new ones. The manager advised that managing a branch like Sploop VR requires patience, teamwork, flexibility, and hard work to ensure smooth operations and customer retention.
THEFACESHOP Limketkai:
The Face Shop Limketkai specializes in skin care products. Their main competitor is Watsons, as both are known for offering quality skincare products.
(image inside the shop)
However, The Face Shop stands out by exclusively offering Korean skincare solutions. Their primary customers range from young adults to middle-aged individuals.
They retain customers by consistently providing high-quality products that encourage repeat purchases. Despite having a loyal customer base, the store sometimes experiences slower days, although sales typically peak in December, similar to the previous businesses mentioned.
The Face Shop has a monthly sales quota of ₱500,000, and meeting this target is considered a significant achievement, especially when it brings increased foot traffic to the store.
(Dave and Rembrandt interviewing the Sales Associate/Clerk)
Onesimus Limketkai:
Onesimus offers high-quality men’s barongs and formal attire. Their main competitor at this branch is Arrow. What sets this branch apart is not only their quality products but also their use of top-of-the-line fabrics for their suits, and their status as a local brand. Their primary customers are Muslim Maranaos.
(image inside the shop)
A common challenge they face is dealing with overly selective customers who ask numerous unnecessary questions. Their sales tend to increase during holidays, especially on Independence Day. With each passing day, their brand is becoming more recognized for its quality among other brands.
(Dave and Rembrandt interviewing the Sales Associate)
Ms. Crafts & Accessories:
(Dave and Rembrandt interviewing the Owner)
They started their business on August 28, offering primarily crafts and accessories. According to them, they currently have no direct competitors in their area.
What makes their products unique is that all the designs, such as those on their coffee mugs and keychains, are personally created by them.
Their typical customers are students, and they attract them with the vibrant atmosphere of their store.
Their sales tend to increase when events are held near their location, and they also have plans to expand their business in the near future.
When producing their items, they use machines to assist with the process. So far, they have not encountered any customer complaints, which suggests that their products are of high quality.
The owner also mentioned that when managing a crafts and accessories business, it’s crucial to have a creative mindset, as this greatly benefits the design process of your products.
As we wrap up our exploration of local businesses in Cagayan de Oro, it's clear that each venture, whether established or new, brings a unique flavor to the city’s vibrant commercial landscape.
From creative designs to exceptional customer service, these businesses continue to thrive by adapting to challenges and embracing opportunities.
We hope these insights have not only highlighted the diversity of our local enterprises but also inspired you to support and appreciate the hard work that goes into running them.
Stay tuned for more stories and insights from the heart of our city’s business community!
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How to Get Kia Optima Lease $99
Are you dreaming of driving a stylish and reliable Kia Optima without breaking the bank? The good news is that it’s possible to get behind the wheel for just $99 a month. Yes, you read that right! With attractive lease deals popping up, more people are discovering how easy and affordable it can be to enjoy this sleek sedan. Whether you're looking for an upgrade or your first car, understanding how to navigate these offers will set you on the path to savings. Buckle up as we explore everything you need to know about snagging that incredible Kia Optima lease deal!
Securing a Kia Optima lease for just $99 is more attainable than you might think. Start by researching local dealerships and their promotions. Many offer enticing deals that can make this dream car a reality. Next, keep an eye out for special events or seasonal sales that provide additional incentives. These moments are perfect opportunities to negotiate better terms on your lease. Don’t forget to consider your credit score as it plays a crucial role in qualifying for favorable lease agreements. A higher score often leads to lower monthly payments and better overall leasing options.
Understanding the $99 per Month Lease Deal
The $99 per month lease deal for the Kia Optima is an enticing option for budget-conscious drivers. This promotional rate often attracts new customers looking to drive a stylish and reliable vehicle without breaking the bank. However, it's important to understand that this offer may come with specific terms and conditions. Typically, these deals are offered through dealerships during promotional events or at certain times of the year. The availability of such leases can vary based on location and inventory levels, so staying informed is crucial. Additionally, hidden costs like down payments, taxes, or fees might apply. Always read the fine print before committing to any lease agreement.
Tips for Finding Kia Optima Lease Deals
Start by researching local dealerships and online listings. Many dealers post their leasing specials on websites, so check these regularly for any promotions. Signing up for newsletters can also give you insights into exclusive offers. Consider timing your lease search around holiday sales events or end-of-month clearance periods. Dealers often want to meet quotas during these times, leading to better deals. Don’t hesitate to visit multiple dealerships. Comparing offers helps you find the best possible deal on a Kia Optima lease. Each dealership may have unique incentives that could work in your favor.
Exploring Lease Specials for Kia Vehicles
Kia frequently offers lease specials that can make driving home in a new vehicle more affordable. These promotions often change monthly, so staying updated is key. Check local dealerships and the official Kia website for the latest deals. Seasonal promotions or holiday sales could present excellent opportunities to snag a deal on your desired model. Additionally, consider signing up for newsletters from Kia or following them on social media. This way, you’ll be among the first to know about exclusive lease specials tailored just for you.
Negotiating a $99 Lease Deal for a Kia Optima
Negotiating a $99 lease deal for a Kia Optima requires preparation. Start by researching current offers at local dealerships. Knowledge of market rates can strengthen your position during negotiations. When you visit the dealership, be confident and assertive about your desired monthly payment. Don’t hesitate to ask questions and clarify any fees that may arise. Be prepared to walk away if the terms don’t meet your expectations. Dealers often reconsider their offers when they see you're willing to leave without making a deal. Patience is key in this process; don’t rush into anything that doesn’t feel right.
How to apply for kia optima lease for $99
Applying for a Kia Optima lease at $99 is straightforward. Start by visiting your local dealership or their website to explore current offers. Most dealerships provide an online application form that you can fill out from the comfort of your home. Gather necessary information, including your personal details and financial background. This will help expedite the process and improve your chances for approval. Once you've submitted your application, wait for a response from the dealership's finance team. They may reach out for additional info or clarification before finalizing the lease agreement tailored to fit within that attractive $99 monthly payment.
Application process and Documentation
Applying for a Kia Optima lease is straightforward. Start by visiting your local dealership or their website. You'll need to fill out an application form, providing personal details such as your name, address, and employment information. Next, gather the necessary documentation. Commonly required documents include proof of income, driver's license, and insurance information. Having these ready will streamline the process. After submitting your application and documents, dealerships may conduct a credit check. This helps them evaluate your financial background and determine eligibility for the $99 lease offer you desire.
Eligibility criteria
To qualify for a $99 Kia Optima lease, you typically need to meet certain criteria. Credit score plays a significant role; most dealerships require a minimum score of around 700. A higher credit rating can lead to better lease terms. Income is another important factor. Dealers often look for proof of stable earnings that exceed the monthly payment obligations. This ensures you can comfortably handle your lease payments. Residency matters too. Some promotions may be limited to specific regions or states. Always check with local dealers about availability and any unique requirements they may have in place.
Benefits of getting kia optima lease
Leasing a Kia Optima offers flexibility and lower monthly payments compared to buying. This affordability allows you to enjoy a new car without stretching your budget too thin. Additionally, leasing often comes with warranty coverage for the duration of the lease. This means fewer worries about maintenance costs or unexpected repairs during that time. Driving a new model every few years is another exciting perk. You can always experience the latest technology and features without committing to long-term ownership. It’s an enticing option for those who love having variety in their driving experience.
Conclusion
Leasing a Kia Optima for $99 can be an exciting opportunity. It opens the door to enjoying a reliable vehicle without putting too much strain on your budget. Understanding the ins and outs of leasing is essential for making informed decisions. Researching offers, negotiating terms, and ensuring you meet eligibility criteria are crucial steps. With careful planning and persistence, you can drive away in your new Kia Optima at an incredible price. Embrace the process, and take advantage of all available resources to secure the best deal possible for your needs.
Frequently asked questions
Many prospective lessees have queries regarding the $99 Kia Optima lease. Commonly asked questions include: What is included in the lease? Typically, basic maintenance and warranty coverage are part of the deal. Another frequent question is whether there are mileage limits; most leases allow for around 10,000 to 15,000 miles annually. Prospective lessees also wonder about upfront costs and additional fees—these can vary by dealership and should be clarified before signing. It's wise to ask about any penalties for early termination or damage at return time too. If you're considering this offer, researching local dealerships' websites can provide more tailored information regarding availability and specific terms. Always remember that understanding your options leads to better decisions!
Is a $99 Kia Optima lease realistic?
It's possible: While $99 may be a promotional rate, it's possible to find deals in that range, especially if you're willing to be flexible and negotiate.
2. What factors affect the price of a lease?
Key factors: Your credit score, the trim level, the mileage allowance, and the lease term can all affect the price of a lease.
3. How long is a typical lease term?
Common terms: Lease terms typically range from 24 to 36 months.
4. What happens at the end of a lease?
Lease options: At the end of a lease, you can typically return the vehicle, purchase it at a pre-determined price, or lease another vehicle.
5. Can I negotiate the mileage allowance on a lease?
Mileage negotiation: Yes, you can often negotiate the mileage allowance on a lease. However, exceeding the mileage limit can result in additional charges.
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https://www.tradologie.com/lp/news/detail/sugar-prices-surge-by-4-5percentage-in-the-past-2-weeks
Sugar Prices Surge by 4.5% in the Past 2 Weeks
The cost of sugar is increasing due to rising temperatures. Due to a spike of interest for sugar from drinks and ice cream makers brought on by the nation's scorching summer temperatures, the price of the sweetener has increased by about 4.5% in the past two weeks. Despite the government assigning a bigger sales quota for April, prices have gone up. Each sugar mill receives a monthly quota for sugar sales from the Center. The 2.2 million tonnes limit for February was raised to 2.35 million tonnes for March and then to 2.5 million tonnes for April.
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Sales Quota: Definition, Types, Importance
Sales Quota Any kind of sales figures given to any particular person or region or distributor is called Sales Quota. It can be measured either in terms money or the stock of goods sold. It is particularly an amount of target sales that is assessed on daily or monthly basis. To assess the performance of an individual sales person, his/her ability is looked to meet the given target. Types of…
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The Ultimate Guide to Finding the Best Deals in Car Sales
Navigating the world of car sales can feel like a daunting task, especially with so many options and deals floating around. Whether you're a first-time buyer or looking to upgrade your current vehicle, finding the perfect car at the best price is crucial.Â
This guide will arm you with essential information and expert tips to help you make informed decisions and negotiate like a pro.Â
From understanding the best times to buy from New Car Sales Illawarra to mastering the art of negotiation, prepare to turn your car buying journey into a triumphant success with significant savings.
Understanding the Car Sales Market
Navigating through the car sales Illawarra market can be complex, but understanding the various factors that influence car prices can help you make informed decisions. This knowledge is your leverage in scoring the best deals whether you're buying a new or used car.
Factors influencing car prices
Car prices are influenced by a variety of factors, and knowing these can help you better understand the market dynamics.Â
Firstly, the make and model of the car play a significant role. The more popular and highly-rated models tend to retain their value and may be priced higher.Â
Secondly, supply and demand significantly affect car prices; high-demand models often command premium prices. Additionally, the time of year can also influence car pricing—dealers may offer greater discounts at the end of the year or during sales events to meet quotas.Â
Lastly, the car's condition and mileage are crucial in the used car market, with lower mileage and well-maintained vehicles fetching higher prices.
Types of car sale (new vs. used, dealerships vs. private sellers)
When it comes to buying a car from car sales Illawarra, you have a few options: purchasing new, buying used, or going through dealerships or private sellers.Â
Each has its benefits and drawbacks. New cars come with the latest technology and full warranties but tend to be significantly more expensive and depreciate quickly.Â
Used cars are generally cheaper, and the rate of depreciation is slower, but there's a higher risk regarding their history and condition.Â
Dealerships offer a more comprehensive selection and often have certified pre-owned models that come with warranties. However, their prices can be higher. Private sellers might offer lower prices but come with increased risk as they often provide no guarantee or warranty.
Mastering the Art of Negotiation
Negotiating a car deal can be intimidating, but with the right preparation and strategies, you can significantly reduce the price of your next car.
Preparing for negotiations
Preparation is key in any negotiation. Before stepping onto the car lot or meeting with a seller, arm yourself with as much information as possible.Â
Understand the car's features, know its market value, and read up on any common issues or recalls. Additionally, assess your budget to know your financial limits. Having pre-approved financing can also give you an upper hand in negotiations as it shows you're a serious buyer.
Negotiation tactics and strategies
Once you're well-prepared, it’s time to employ effective negotiation tactics. Start by making a lower offer than what you're willing to pay, and let the seller counteroffer. Use the information you've gathered about the car’s value and condition to justify your offer.Â
Focus on the total price of the vehicle instead of the monthly payment; this can prevent dealers from stretching out the loan term to seem like you're getting a better deal.
Don't be afraid to let the dealer know that you're exploring other options - this can make them more eager to close a deal. Always be polite yet firm, and make it clear what you are willing to accept.
Knowing when to walk away
One of the most powerful tactics in negotiation is your ability to walk away. Sometimes, no matter how much you want a car, the deal being offered may not be in your best interest. If negotiations aren't moving in your favour, or if the terms don't meet your budget and needs, it's important to walk away.Â
This not only saves you from a bad deal but can also sometimes encourage the seller to reconsider their stance and come back with a better offer. Always keep your options open and be prepared to look for deals elsewhere.
Additional Tips for Saving Money
Timing your purchase for the best deals
Timing can be everything when it comes to getting the best deal on a new car. Dealerships often have quotas to meet, which can work to your advantage when timed correctly. The end of the month, quarter, or year are typically times when salespeople are striving to meet targets and may be more willing to offer significant discounts or favourable financing terms to close a sale.Â
Additionally, shopping for a new car on weekdays rather than weekends can yield better deals, as showrooms are less crowded and salespeople are more eager to negotiate.
Capitalising on seasonal promotions
Automobile dealers often roll out special promotions during certain times of the year to boost sales. For instance, holiday weekends such as Memorial Day, Fourth of July, and Labor Day are known for offering some of the year's best discounts and financing deals.Â
Furthermore, model year-end sales can be an excellent time to purchase as dealerships need to clear out old inventory to make room for new models. Keeping an eye on these seasonal trends can help you identify the perfect time to make a purchase.
Taking advantage of incentives and rebates
Manufacturers often offer a variety of incentives and rebates to attract buyers, which can substantially reduce the cost of a new vehicle.Â
These might include cash-back offers, low-interest financing options, or special leasing deals. It’s important to research and understand the different incentives available for the car model you are interested in.Â
Be sure to ask the dealership about any current promotions and how they can be applied to your deal. Sometimes, opting for a lesser-known rebel or incentive can lead to more savings than the more heavily advertised promotions.
Closing the Deal
Finalising the purchase
Once you've negotiated a price, you're comfortable with, it's time to finalise the purchase.Â
This part of the process typically involves reviewing and signing a contract, discussing warranties, and considering any additional offers, such as extended service plans or accessories. Make sure to thoroughly read the terms and conditions of the contract before signing it.Â
Don't rush this step, and feel free to ask questions about any details that aren’t clear. This is also the time to confirm the final details, like the registration, title, and dealership fees, ensuring everything is in order before you drive your new car off the lot.
Ensuring a smooth transaction process
To ensure a smooth transaction, organise all necessary documentation beforehand, including your driver’s license, proof of insurance, and any financing pre-approvals. It’s also wise to confirm the payment method—whether it's a cashier’s check, personal check, or financing through the dealership. Double-check the details of the vehicle against what’s listed on the paperwork (e.g., VIN, model, package, accessories).Â
If trading in a vehicle, make sure you know its value and have all pertinent documents ready. Finally, before leaving the dealership, inspect the car thoroughly one last time to confirm that all agreed-upon terms, conditions, and installations are as discussed.Â
By taking these steps, you'll help ensure that the process goes as smoothly as possible, leaving you to enjoy your new car with peace of mind.
Conclusion
Purchasing a car is a significant decision, but it doesn't have to be an overwhelming one. With the right information and strategies in hand, you can navigate the maze of car sales Illawarra to find the best deals possible.Â
Remember to start with thorough research, consider the timing of your purchase, and don't hesitate to negotiate.Â
By being informed, patient, and assertive, you'll not only enhance your car-buying experience but also ensure you get the best value for your money. Drive off the lot knowing you made a smart choice!
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How to Negotiate the Best Price for a Used Car: Expert Tips
Shopping for a used car can be an exciting journey filled with possibilities. Whether you're looking for a reliable sedan, a rugged SUV, or a sporty convertible, finding the right used car at the right price requires savvy negotiation skills.
In this guide, we'll delve into expert tips to help you negotiate the best price for a used car.
Research, Research, Research
Before you even set foot on a car lot or start browsing online listings, it's essential to do your homework. Researching used cars maitland similar to the one you're interested in will give you a solid understanding of their market value.
Utilise online resources such as Kelley Blue Book, Edmunds, and Carfax to gather pricing information for used cars in your area. Armed with this knowledge, you'll be better equipped to negotiate a fair price.
Set Your Budget and Stick to It
It's easy to get caught up in the excitement of finding your dream used car, but it's crucial to establish a budget and stick to it.
Determine the maximum amount you're willing to spend, taking into account additional costs such as taxes, registration fees, and insurance. Having a clear budget in mind will prevent you from overspending and help guide your negotiation efforts.
Inspect the Used Car Thoroughly
Before entering into negotiations, thoroughly inspect the used car you're interested in purchasing. Look for any signs of wear and tear, including dents, scratches, and rust. Check the mileage, test drive the vehicle, and pay close attention to its performance.
If possible, have a trusted mechanic conduct a pre-purchase inspection to uncover any potential issues. Being aware of the condition of the used car will give you leverage during negotiations.
Be Prepared to Walk Away
Negotiating the price of a used car can sometimes feel like a game of cat and mouse, but it's essential to remember that you hold the power as the buyer. If the seller isn't willing to meet your desired price, don't be afraid to walk away.
There are plenty of other used cars Melton on the market, and staying firm on your offer demonstrates that you're a serious buyer.
Use Timing to Your Advantage
Timing can play a significant role in negotiating the price of a used car. Dealerships often have monthly or quarterly sales quotas to meet, so visiting towards the end of the month or quarter may work in your favour.
Additionally, used car prices may fluctuate seasonally, with prices typically dropping in the winter months. By strategically timing your purchase, you may be able to negotiate a better deal.
Negotiate with Confidence
Confidence is key when negotiating the price of a used car. Come prepared with your research, budget, and inspection findings, and don't be afraid to assertively present your offer.
Be respectful but firm in your negotiations, and don't be swayed by high-pressure sales tactics. Remember, you have the power to walk away if the deal isn't right for you.
Conclusion
Negotiating the best price for a used car requires preparation, patience, and confidence. By researching used cars Melton thoroughly, setting a budget, inspecting the vehicle, being prepared to walk away, timing your purchase strategically, and negotiating with confidence, you'll be well-equipped to secure a great deal on your next used car purchase.
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Navigating Draw Against Commission: Pros, Cons, and Best Practices
In the realm of sales compensation, the draw against commission model stands out as a strategy to motivate and retain sales professionals. Yet, like any system, it comes with its own set of advantages, drawbacks, and nuances. In this comprehensive guide, we'll delve into the world of draw against commission, exploring its pros, cons, and best practices. From understanding the concept to optimizing total target compensation, let's navigate through this intricate landscape together.
Understanding Draw Against Commission
Firstly, let's establish a clear understanding of what draw against commission entails. In essence, it's an advance payment provided to sales representatives, typically on a regular basis (monthly or quarterly), to ensure they have a steady income. This draw is deducted from future commissions earned. The fundamental idea behind this model is to offer stability to salespeople while maintaining the incentive of earning through commissions.
Pros of Draw Against Commission
1. Stability and Predictability
One of the primary advantages of draw against commission is that it provides stability to sales professionals. With a regular paycheck, they can manage their finances more effectively, reducing the uncertainty that comes with relying solely on variable income.
2. Motivation to Perform
By offering a draw, companies can motivate their sales team to maintain consistent performance. The draw serves as a safety net, but to maximize earnings, representatives need to meet or exceed their sales targets, driving productivity and results.
3. Attracting Talent
In competitive industries, the draw against commission model can be an attractive proposition for top sales talent. The promise of a stable income combined with the potential for significant commissions can entice skilled professionals to join the company.
Cons of Draw Against Commission
1. Risk for the Company
From the employer's perspective, providing draws entails some level of risk. If sales representatives fail to generate sufficient revenue to cover the draw amounts, it can result in financial losses for the company.
2. Potential for Dependency
While draws offer stability, there's a risk that some salespeople may become overly reliant on them. This dependency could reduce the drive to excel and may lead to complacency in performance.
3. Cash Flow Challenges
For businesses, managing cash flow becomes crucial when implementing draw against commission. Balancing the need to pay regular draws with the timing of actual sales revenue requires careful planning and financial management.
Best Practices for Implementing Draw Against Commission
To make the most of draw against commission, companies should follow certain best practices to ensure effectiveness and fairness.
1. Establish Clear Policies and Guidelines
It's essential to have transparent policies outlining how draw against commission works within the organization. This includes details such as the draw amount, repayment terms, performance metrics, and any adjustments based on market conditions.
2. Set Realistic Targets and Quotas
Sales targets and quotas should be challenging yet achievable. Unrealistic goals can demotivate the sales team and lead to dissatisfaction. Regular reviews and adjustments may be necessary to align targets with market dynamics.
3. Provide Ongoing Training and Support
Investing in the development of sales professionals is crucial for long-term success. Offer continuous training, coaching, and support to help them improve their skills and adapt to changing market trends.
4. Monitor Performance and Adjust Accordingly
Regularly monitor sales performance and track the effectiveness of the draw against commission model. Adjustments may be needed to optimize the system and ensure it aligns with the company's objectives.
5. Offer Additional Incentives
To supplement draw against commission, consider offering additional incentives such as bonuses, rewards, or recognition programs for exceptional performance. These can further motivate the sales team and drive results.
Optimizing Total Target Compensation
In addition to draw against commission, total target compensation (TTC) encompasses all forms of compensation, including base salary, commissions, bonuses, and benefits. Optimizing TTC involves striking the right balance between fixed and variable components to attract, retain, and motivate sales talent effectively.
Factors to Consider in Total Target Compensation
1. Market Benchmarking
Conduct regular benchmarking studies to ensure your TTC packages remain competitive within the industry. Analyze compensation trends and adjust accordingly to attract top talent.
2. Performance Alignment
Align compensation with performance metrics that directly contribute to the company's objectives. This ensures that sales incentives are tied to meaningful outcomes and drive desired behaviors.
3. Flexibility and Customization
Offer flexibility in TTC packages to accommodate individual preferences and circumstances. Tailoring compensation plans to the needs and goals of each salesperson can enhance motivation and engagement.
4. Communication and Transparency
Clearly communicate TTC structures and potential earnings to sales professionals. Transparency fosters trust and helps employees understand how their efforts translate into rewards.
5. Regular Review and Adaptation
TTC strategies should evolve alongside changes in the business landscape and sales environment. Regularly review and adapt compensation plans to remain competitive and aligned with company goals.
Conclusion
Navigating draw against commission and optimizing total target compensation requires a deep understanding of sales dynamics, financial considerations, and human behavior. By recognizing the pros and cons of draw against commission and implementing best practices, companies can create a balanced compensation framework that motivates sales professionals, drives performance, and fosters long-term success. Remember, the key lies in finding the right equilibrium between stability and incentive, ensuring both the company and its sales team thrive in a competitive marketplace.
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How to Get Best Car On Leases With No Money Down
Are you dreaming of driving a brand-new car but worried about the hefty down payment? You’re not alone. Many people are eager to hit the road in style without breaking the bank upfront. The good news is that securing the best car leases with no money down is entirely possible. Whether you're looking for a sleek sedan, an adventurous SUV, or something eco-friendly, understanding how to navigate lease deals can put you in the driver's seat without emptying your wallet. Let’s dive into how you can find unbeatable car lease options and start cruising in your dream vehicle today!
Finding the Best Car Lease Deals
Finding the best car lease deals requires a bit of research and patience. Start by exploring various dealerships in your area and online platforms that specialize in leases. Many websites allow you to compare offers from multiple dealers, giving you insight into what’s available. Don’t forget to check manufacturer websites for special promotions or incentives. Automakers often run limited-time offers on new models that can significantly reduce leasing costs. Be mindful of timing. Shopping at the end of the month or during holiday sales events can lead to better deals as dealerships aim to meet their sales goals. Stay informed and flexible for optimal results!
How to find best car lease deals
Finding the best car lease deals starts with research. Explore various dealerships and their offers online. Compare multiple options to identify promotions that stand out. Next, consider timing your search around holiday sales or end-of-month quotas. Dealerships often have incentives during these periods, making it easier to negotiate a favorable deal. Don’t forget to check manufacturer websites for special leasing programs. They frequently run limited-time offers on specific models, which can help you secure a great rate without any down payment required. Stay informed and proactive in your search for the perfect lease deal tailored to your needs.
Can I Qualify for a Zero-Down Car Lease?
Qualifying for a zero-down car lease is possible, but it depends on several factors. Lenders typically look at your credit score, income stability, and debt-to-income ratio. A strong credit history can significantly boost your chances. You might also need to demonstrate a reliable payment history with previous loans or leases. If you’ve been financially responsible in the past, that will work in your favor during the application process. Additionally, some dealerships offer special promotions targeting specific buyers. These could include recent graduates or military personnel looking for their first vehicle. Always inquire about ongoing deals when considering leasing options.
Strategies for Securing a Zero-Down Car Lease
One effective strategy for securing a zero-down car lease is to improve your credit score. Lenders often view higher scores as a sign of responsible financial behavior, increasing your chances of approval without upfront payments. Make sure to review your credit report and address any discrepancies. Another approach is timing your lease agreement during promotional periods. Many dealerships offer enticing deals at the end of the month or quarter when they’re eager to meet sales quotas. Negotiating can also play a crucial role in landing that dream car with no money down. Be prepared to discuss terms confidently and shop around multiple dealers for the best offers available.
Benefits of getting car lease deals
Leasing a car offers several advantages that make it an appealing option for many drivers. One significant benefit is the lower monthly payments compared to purchasing, which can free up your budget for other expenses or savings. Additionally, leasing allows you to drive a new vehicle every few years without the hassle of selling or trading in an old one. This means you can enjoy the latest technology, safety features, and warranties. Another perk is that leased cars usually require less maintenance since they are under warranty during most of the lease term. This can lead to peace of mind and fewer unexpected costs associated with repairs.
How to apply for getting car on lease
Applying for a car lease is a straightforward process. Start by researching the models and dealerships that interest you. Compare lease offers online to find the best deals available. Once you've selected your preferred vehicle, visit the dealership or their website to fill out an application form. You may need to provide personal details, including your income, credit score, and employment history. After submitting your application, wait for approval from the leasing company. They will review your financial background and determine if you qualify for a zero-down lease option based on their criteria. Be prepared with any required documentation during this stage.
Application process and Documentation
The application process for a zero-down car lease typically begins with selecting your desired vehicle. Research the models you’re interested in and visit dealerships to test drive them. This step will help you gauge comfort, features, and pricing. Next, gather essential documentation. You'll need proof of income, such as pay stubs or tax returns, along with identification like a driver’s license. Additionally, having your credit score handy can be beneficial in discussions with the dealer. Once everything is ready, fill out the lease application at the dealership or online. Be prepared for questions regarding employment history and financial stability during this stage to streamline approval.
Eligibility criteria
When considering a car lease, certain eligibility criteria must be met. Lenders typically look for a solid credit score, often requiring a minimum of 650 to qualify for better deals. A higher score can increase your chances of securing favorable terms. Income stability is another critical factor. Regular employment with proof of income reassures lenders that you can make monthly payments without defaulting. This aspect plays a significant role in the approval process. You may need to provide personal information such as residency and insurance details. These elements help establish your reliability as a lessee and influence the leasing company’s decision-making process significantly.
Conclusion
Navigating the world of car leases can feel overwhelming, especially when aiming for a no-money-down deal. However, understanding your options makes it much easier to find something that suits your needs. Being informed about lease deals and eligibility criteria empowers you in negotiations. It’s all about finding the right balance between what you want and what leasing companies offer. With some preparation and research, securing a vehicle without an upfront payment becomes more achievable than ever. Embrace the journey with confidence as you explore various deals available in today’s market.
Frequently asked questions
Navigating the world of car leasing can raise several questions. Many wonder if a zero-down lease is too good to be true. It’s important to understand that while these deals exist, they may come with specific terms or conditions.
What is a security deposit, and is it required?
A security deposit is similar to a down payment but is refundable at the end of the lease if there's no damage to the vehicle. It's often required, but the amount can vary.
Can I negotiate the lease term?
While most lease terms are standardized (like 24, 36, or 48 months), some flexibility might exist. It's worth asking.
What happens if I go over the mileage limit?
Exceeding the mileage limit usually results in additional charges per extra mile. Be mindful of your driving habits.
Can I lease an electric or hybrid car?
Absolutely! Many car manufacturers offer leasing options for electric and hybrid vehicles, often with additional incentives.
What is the difference between a lease and a car subscription?
A lease is a long-term agreement for a specific car model, while a car subscription offers more flexibility in terms of car choice and duration.
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https://www.tradologie.com/lp/news/detail/sugar-prices-surge-by-4-5percentage-in-the-past-2-weeks
Sugar Prices Surge by 4.5% in the Past 2 Weeks
The cost of sugar is increasing due to rising temperatures. Due to a spike of interest for sugar from drinks and ice cream makers brought on by the nation's scorching summer temperatures, the price of the sweetener has increased by about 4.5% in the past two weeks. Despite the government assigning a bigger sales quota for April, prices have gone up. Each sugar mill receives a monthly quota for sugar sales from the Center. The 2.2 million tonnes limit for February was raised to 2.35 million tonnes for March and then to 2.5 million tonnes for April.
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