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Author: admin | Category: Loan Calculator Canada | Date: 22.08.2014

The Australian Federal Chamber of Automotive Industries has released the national VFACTS new vehicle registration figures for July 2016, with most brands experiencing a drop in figures compared with June, likely due to the start of the financial year. For the top 10 best-selling vehicle brands, Toyota is still the favourite car brand in this country. In terms of the best-selling vehicle models, specifically, the Toyota Corolla burst through all with impressive figures.
Medium Cars under $60,000 – It’s no surprise the Toyota Camry sits atop this segment once again. Medium Cars over $60,000 – Mercedes-Benz continues to be the favourite in the premium mid-size segment, with the C-Class and CLA-Class coming in 1-2.
Large Cars under $70,000 – Even though production will soon be winding down, the Holden Commodore is still a popular model in the large car class.
Large Cars over $70,000 – The bigger brothers to the premium mid-size class were blown away by the Mercedes E-Class in July. Sport Cars over $80,000 – Those with a little more money to spend on a sports car seem to be jumping to the new Mercedes C-Class Coupe more than anything else. Sport Cars over $200,000 – If money is no object, the Porsche 911 seems to be the place most buyers are heading. Combined 4?2 and 4?4 ute – This segment seems to be everything buyers want in a car, with sales slowly but steadily on the rise.
Land Rover jumped ahead in the mid-size premium class with the Discovery Sport, while the large premium class saw most buyers opting for the Audi Q7. The most popular category remains the ‘SUV Medium under $60,000’ class, with 10,287 sales in total.
Kendal Jenner may be better known as the younger sister of Kim Kardashian, but on her sweet 16th birthday there was no doubt she was the centre of attention. Daughters of F1 racing billionaire Bernie Eccelstone, Tamara, 29, and Petra Eccelstone, 24, are in possession of their own personalised Range Rovers that certainly don’t keep their identity under wraps when they drive around. Justin Dior Combs, the son of famous rapper Sean “Diddy” Combs, received one of the most OTT gifts for his 16th birthday – a brand new $350,000 Maybach, complete with a driver that was hired to escort and chauffeur him around during the period before he was able to obtain his licence. A Simple Guide Choosing the Right Car For Your Retirement Whether you are looking to grow old gracefully or go out in a blaze of glory… here is how to choose the best car for your twilight years. The dieselgate scandal is hotting up again after VicRoads, the Victorian licensing and registration body, has announced it will consider forcing VW cars with falsified emissions tests off the roads unless they are recalled and repaired by Volkswagen. Despite only being 3 months into 2016, online scammers targeting classified ads have already cost Australian sellers $260,000.
It's possible to modify a personal budget spreadsheet to apply to a business, but if you are using our Income Statement Template, you'll want to use the business budget spreadsheet so that you can create a budget that is parallel to your income statement.
For those who are just starting a business, or thinking of starting a business, you might be interested in the free Business Start Up Costs template.
This spreadsheet contains two sample business budgets designed for companies providing services or selling products.
Service Providers: The Services worksheet is a simple business budget that separates income and business expenses into categories that closely match those used in an income statement. Retailers, Manufacturers, Publishers: The Goods worksheet includes the categories in the Services worksheet, but also has a Cost of Goods Sold section for recording inventory and purchases and calculating Gross Profit. This worksheet is a variant of the above business budget, with sales and business expenses broken down by month. This version allows you to perform a detailed analysis of your business expenses and cost of goods sold (COGS) if you are selling multiple products. If you add or move categories around, make sure to double-check the calculations, especially the SUM() formulas that calculate the totals and subtotals, to make sure that the right cells are summed. The costs associated with producing and purchasing goods are variable costs that increase or decrease with the volume of production and sales, such as wages for direct labor required to produce the goods, packaging, inventory purchases, shipping, and commissions. A separate section under business expenses calculates the Net Income Before Taxes by subtracting the Total Expenses from Total Income.
One of the reasons for budgeting is of course to help you determine whether you will be able to afford upgrades, new construction, asset purchases, etc. Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. With property prices on a seemingly downtrend and a steady supply of both private and executive condominiums in the market, is it time for the savvy investor to enter the market? In additional, macroeconomic conditions have a direct influence on the US Federal Reserve interest rates which is the rate that depository institutions like banks lend their reserve balances to other depository institutions. Simply put, the SIBOR rate is the interest rate which banks and financial institutions lend to one another. Amongst the factors affecting Singapore’s SIBOR rates, the interest rates of the US Federal Reserve and the financial environment and policies governing the Singapore market are the most important. Your credit score is another important element in deciding your home loan rates or if you can even qualify for a home loan. This means that they will usually check your credit report which offers a snapshot of all outstanding loans with banks and other financial institutions and compare it with your income. It should not come as a surprise that the terms and conditions associated with your home loan have a direct impact on the home loan rates.
Most home loan packages come with different terms and benefits such as locked-in periods, cancellation or early repayment fees, subsidies or rebates for fees for valuation, legal fees or conveyancing services and fire insurance. Some loan packages by financial institutions may also provide better rates if the initial down payment is bigger.

To conclude, do remember that there is no perfect home loan package as it really depends on your circumstances. Home Automobile News How the 2014 Union Budget will effect the Auto Industry?How the 2014 Union Budget will effect the Auto Industry?
The Indian automotive scene has a seen quite a slump and the industry was expecting a boost from the newly-elected government.
Some of the industry expectations from this year’s budget included a cut in Excise duty to 10% on automotive parts, timeline for the introduction of the GST, Fleet modernization scheme, withdrawal of the 1% National calamity Contingent Duty (NCCD) and fund allocations for National Electric Mobility Mission Plan.  Here are some points that are a part of the new budget that effect the industry and the industry reactions. This is something that the auto industry has been demanding for a long time and the finance minister, Mr. There is no doubt that if proper infrastructure in terms of roads and connectivity plays a major role in the auto sector.
An allocation of 24 crores through the ministry of heavy industries provides an initial boost for electric and hybrid vehicle research and manufacturing. Steel is one of the most important input material used in the industry.The elimination of customs duty will be a relief to companies who are trying hard to localize components to keep production costs under check.
A proposed allowance of 15% to companies who invest more than 25 crore in a year in new plant and machinery. Although the industry expected bolder reforms, measures such as reduced steel prices, extension of excise duty concession and elimination of customs duty of auto components are all a silver lining for the industry. Although figures were down compared with June, it still posted a 3.7 per cent increase compared with July last year.
It couldn’t match the impressive figures it achieved during June, likely due to fleet buyers jumping in before the end of the financial year, but it still trumped its rivals quite easily. Since its introduction in Australia, buyers have been expressing more interest than Ford can supply. Interestingly, McLaren jumped right up into the top five, excelling above rivals from Ferrari and Lamborghini. The Nissan Navara made some ground compared with June efforts, while the Holden Colorado is fast-becoming one of the overall favourites. Interestingly, almost as many buyers bought a Toyota LandCruiser compared with its often more popular Prado little brother.
He's obsessed with driving, having played with Matchbox cars until he was tall enough to drive a real one.
Even as they turn just sixteen, many celeb teens find themselves being given the keys to cars that most people would dream their whole lifetime of driving, let alone owning. The tween received a pricey $90,000 black Range Rover during a hip party in Los Angeles that was actually sponsored by a lolly company, The Sugar Factory. Although the teenager actually requested two cars for her sweet sixteen, no doubt she found herself able to settle for the sleek white Porsche and the two tiny Pomeranian puppies that were also gifts received on the night.
The cars feature the girls’ names emblazoned in large writing on both the front and back of their respective vehicles. The rapper’s son also received a royal-themed birthday bash at the M2 Ultra Lounge in New York City where his ‘date’ for the evening was singer Nicki Minaj, who was on hand during the night to perform as well. Usually, roadside animals hear the roar of an engine and understand that cars are not to be messed with.
This comes from 544 people who have reported being scammed online – but with many such scams going unreported the number could be much higher. A business budget helps you decide whether you can grow your business, give yourself a raise, purchase additional inventory and assets, and whether you may be able to avoid bankruptcy. A startup cost analysis is an important part of a good business plan and can help you get things off the ground before you begin using a more detailed business budget.
The categories are fairly comprehensive, but it is also easy to add, remove, and modify the categories.
This is helpful for budgeting quarterly expenses and other business expenses that occur at specific times of the year.
Columns are also included for calculating the Percentage of Total Sales for each product and the various expenses. Conditional formatting is used to highlight the Difference red if income is less than the budget amount or if business expenses are more than the budget. If you want to perform a more detailed analysis for multiple products, you can insert additional rows and separate the sales and costs according to product, or you can use the bonus spreadsheet that is designed for performing a detailed analysis for multiple products. This helps you make a simple estimate of the income taxes, assuming all the Expenses are tax deductible. However, this budget spreadsheet is mainly for comparing your operating income and expenses to make sure that in your normal business activities you are earning more than you are spending. Since most investors would take some form of home loans to finance their investments, it pays to know what are the factors affecting your home loan rates. In times of economic progress, there is greater demand for funds and credit as businesses expand.
This is important because historically for Singapore, the SIBOR (Singapore Interbank Offer Rate) has always followed in tandem with the Federal interest rates which is affected by considerations such as the length and extent of qualitative easing.
Although there are a variety of factors affecting home loan rates, one should pay particular attention to the SIBOR, especially the 3-month rate. As a general rule, the SIBOR is often used as a benchmark by banks and financial institutions to determine interest rates for home loans and reflects the general trend in local interest rates.
As a financial centre interlinked with the world’s largest economies, Singapore is affected by the policies and regulations of other countries.

From there, banks usually derive some sort of risk score based on your ability to pay the bills. For instance, some home loan packages come with no or short locked-in periods, meaning that you are able to pay off less interest for the loan in the long run.
It is assumed that the ability to pay a bigger down payment is representative of the ability to pay the loans regularly and hence associated with a smaller risk of default. While interest rates may be an important factor for consideration, do take note of each package in its totality.
Also a change in the way your insurance premium is calculated, considering factors such as past history of claims, location of home & work (Parking conditions and safety), age group, safety features on the cars, nature of work and gender beyond the standard consideration of make, model, service history and life of the vehicle.
An allocation of 37,880 crores for National & State Highways and 14,389 crores for rural roads will help increase the complete transportation frame work. This has been extended and the industry hopes that these rates of duty are extended even into the next calendar year.
The top 10 looks very odd this month, with a number of unusual models high up in the rankings.
It will be interesting to see what Ford comes up with as a replacement when the Falcon is killed off. Jaguar moved up to third spot with the new XF, while the Audi A6 pushed out the Mercedes CLS for fifth. Along with the Hyundai Veloster, it was the only model in the top five to produce higher sales figures compared with June. Mazda’s CX-3 dominated the junior class, with the relatively new BMW X1 taking out the premium portion. After initially working as a mechanic, Brett earned a degree in journalism and entered media as an editorial assistant at Top Gear Australia magazine. The festivities also included a lavish, Egyptian-themed party that featured belly dancers, ice sculptures, live animals, celebrity music performances and a host of celeb appearances. The $165,000 cars are new additions to their garage this year and join the fine selection of automobiles already owned by the pair – between them they also drive a Ferrari 599 GTO, a Mercedes SL500 and a Bentley Continental GT, showing that a love of cars certainly does run in the family. Generous father, Diddy, also splashed out on extravagant diamond earrings for his twin daughters just a few weeks after they were born, ensuring that they develop a taste for his favourite bling from an early age too! A careful study of these costs can help you determine pricing for your products, which products are more profitable, etc. If you have any taxable expenses make sure to subtract those values from the Net Income Before Taxes before estimating your income tax budget. You would typically look at your Net Income to determine whether you will be able to expand your business, make large asset purchases, etc. Hence, a poor economic outlook with low demand for property tends to exert downward pressure on home loan rates and vice versa. In addition, as SIBOR is a macro level interest rate, the demand and supply of funds at the national level will largely determine SIBOR rates, which in turn will affect your home loan rates. A reduced risk appetite in the global arena with an increase in interest rates and consequently, the availability of funds (liquidity) will also affect Singapore and your home loan rates.
Therefore the single most important thing is to remember to pay your bills and debts either in full or on time. However, to achieve some level of profitability, most banks will increase the monthly interest rates.
Most financial institutions usually offer better rates to customers who are deemed to be of lower risk. This will replace all direct taxes levied on goods and services by the Indian central and state governments.
However, indirect measures such as emphasis on growth in infrastructure and manufacturing sector will help boost Commercial Vehicle Industry growth. The budget is realistic with a long-term view rather than a quick fix treatment and has stayed away from populist measures. Ford also moved from sixth to fifth compared with June, and Subaru slipped into the top 10, pushing out Honda from the previous month.
Could this be a sign of things to come, with buyers preferring sportier models over the regular counterparts?
New registrations hit 7472 during July, actually down 14.1 per cent compared with the same month last year (8703). The vehicle was wrapped in a large red bow and was apparently ‘oohed and aahed’ over by her friends and family members alike.
The family also splashes out on weddings and holidays, with Tamara having enjoyed an $11 million wedding ceremony on the French Riviera recently and a month-long honeymoon aboard a multi-million dollar yacht (her 12th holiday since March this year). In addition, if you have chosen a floating-rate home loan instead of a fixed rate, the rates may change at a short notice depending on market circumstances. Coupled with a decent income, you will enjoy better home loan rates than others with a less favourable credit score.
If you are a long standing customer with good records and have been using a variety of their products, chances are you will get a fairly decent home loan rate than somebody who does not fulfil those conditions.

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