The relationship between risk management and human resource development management

The concept of human resources management has increased in the last years, not only as an ideology but also as a strategy to support an institution.

Modern management believes that the long-term success depends on the relationship between cadres and productivity.

The idea said that employees are supported by industry laws and trade unions activity should be reviewed to ensure continuity of the institution in the long term.

There are two trends of concepts conducted from the experience of human resources management:

The vision of human resources management that includes structured development and efficiency growth of individuals in the institution.
The vision oriented to a business that requires providing service and creating competition among employees.
These two concepts indicate that if something goes wrong, the individuals and institutions take responsibility, and this will cause loss. However, risk management came to prevent loss for both of them.

Risk management:
It is a process of measuring and evaluating risks and developing strategies to manage them. These strategies include transferring risks to another party, avoiding them, minimizing their negative effects, and accepting some or all of their consequences.

It is also defined as a management activity aimed to control risks and reduce them to acceptable levels. Or more accurately, it is a process of identifying, measuring, controlling and reducing the risks facing the company or institution.

Human resources risk management:
The risk management plan requires full consideration to many aspects. Thus, institutions should implement the risk management plan effectively.

In general, risk management means risk identification, valuation, and ranking in order of importance. If risk management is applied in the field of human resources, this means understanding the risks that face employees and their activities.

Risk forecasting, planning to reduce the likelihood of them to occur and finding risk mitigation solutions are the components of any risk management plan.

The main challenges of a sustainable institution are the risks of individuals, business and challenges, performance, and wages and how to manage all these risks.

Potential human resource risks
The most important risks related to individuals:

Risks related to the culture of the institution and misunderstanding of individuals because of their attitudes. They are sometimes negative reactions.
Behavioral risks of individuals through illegal matters that are incompatible with business ethics such as fraud, theft, complicity, exploitation of personal matters.
Not putting the right person in the right place.
Negative effect from the dismissal of qualified employees.
Non-compliance of individuals to applicable laws.
Employee turnover (affects the team/direct impact on the type of productivity of new employees).
Resignation of staff and failure to provide the required one.
Reducing the size of many available employees, new retirement and the negative risks associated with expanding employment.
Lack of planning of workforce and absence of clearly defined performance standards to measure and manage performance.
Lack of training and development to improve performance.
Financial abuse, discrimination practices and medical problems.
Absence of safety and health laws that meet the needs of employees.
Ways to manage risks:
Understand human resources management and personnel of risks and identify the risks that face human resources in particular.
Assess each type of risk and prioritize them.
Develop a strategy to avoid each risk and identify steps supposed to prevent them.
Motivate individuals to work, and focus on supporting the employee in agreed and planned tasks.
Create an adaptable workforce, not subject to traditional practices.
Correct the polarization and recruitment process in a positive way by replacing staff in the rotation or polarization process for whom they have been trained or increased the scientific competency.
How to plan human resources and respond quickly to labor policy changes by senior management.
Develop the employee’s skills by providing risk management courses and human resources management training courses in London, Dubai, or online.
Recommended article #1: Essentials to a successful Finance, Risk Management and Corporate Governance

Recommended article #2: Human Resource Management training courses in London | LPC Training

The reason of applying the risk management of human resources
Most institutions start developing a separate risk management plan because reaching strategic goals depends on individuals at first. It is likely to improve performance and provide better service and productivity.

The human element is the main source of to manage risk by working so that the risks of human resources threaten the continuity and sustainability of the institution, and therefore all staff must gain a correct understanding of the risk management methodology with a strategy that avoids making mistakes and helps to achieve the objectives.

The Redistribution Paradox: Is Equalizing Wealth Guarantee Equality?

“If you took all the money in the world, divided it equally among everybody, it would soon all be back in the same pockets,”

is a fascinating thought experiment addressing wealth redistribution and its potential consequences. This article explores the underlying factors contributing to this phenomenon and examines whether a simple redistribution of wealth would result in the same disparities observed in today’s global economy.

The Role of Financial Education and Money Management
One of the key factors contributing to the redistribution paradox is the disparity in financial education and money management skills among individuals. People with a solid understanding of personal finance, investment strategies, and long-term financial planning are more likely to accumulate wealth over time than those without such knowledge. Thus, even if wealth were initially distributed evenly, differences in financial aptitude would likely lead to a gradual re-concentration of wealth.

The role of financial education and money management in wealth accumulation is crucial, as individuals with a strong understanding of these concepts are better equipped to make informed financial decisions and grow their wealth.
Access to quality financial education helps people develop essential skills such as budgeting, saving, investing, and risk assessment, ultimately contributing to their long-term financial success.
In a scenario where wealth is initially equally distributed, those with superior financial education and money management skills would likely accumulate wealth faster, leading to disparities over time.
Addressing this gap requires promoting widespread financial literacy and ensuring that individuals from all backgrounds have access to the tools and resources needed to navigate the complexities of personal finance.
By prioritizing financial education and money management, society can empower individuals to make sound financial choices, fostering greater economic stability and a more equitable distribution of wealth.
The Impact of Entrepreneurship and Innovation
Entrepreneurship and innovation play significant roles in driving economic growth and wealth creation. Individuals who can identify market opportunities, develop innovative solutions, and manage businesses effectively are likelier to accumulate wealth as their ventures succeed. In a scenario where wealth is initially equally distributed, these entrepreneurs would eventually rise to the top, leading to a re-concentration of wealth in their hands.

Entrepreneurship and innovation significantly impact wealth accumulation as they drive economic growth and create new opportunities for individuals to generate income and build wealth.
Innovative entrepreneurs who can identify market gaps, develop unique solutions, and successfully manage businesses are more likely to prosper and accumulate wealth over time.
In a scenario where wealth is initially equally distributed, entrepreneurial individuals with innovative ideas would still rise to the top, leading to a re-concentration of wealth.
Fostering an environment that supports entrepreneurship and innovation is crucial for promoting wealth creation, job opportunities, and overall economic development.
By encouraging and investing in entrepreneurial ventures and innovative solutions, society can pave the way for more inclusive and sustainable economic growth, benefiting a larger portion of the population.
The Power of Networking and Social Capital
Social capital, or the relationships and networks individuals build throughout their lives, can significantly impact their economic success. People with strong social connections and access to influential networks are likelier to find better job opportunities, secure investments, and grow wealth. In an equal wealth distribution scenario, those with existing social capital would likely leverage their connections to regain their wealth.

The power of networking and social capital plays a significant role in wealth accumulation. Individuals with strong connections and access to influential networks are more likely to succeed in their careers and business ventures.
Building and maintaining valuable relationships can open doors to new opportunities, facilitate knowledge sharing, and provide support during challenging times, ultimately contributing to financial success.
In a scenario where wealth is initially equally distributed, individuals with well-established social capital would likely leverage their connections to regain their wealth and access additional resources.
Enhancing social capital requires conscious efforts to cultivate relationships, attend networking events, and engage with diverse groups of people, helping to expand one’s network and increase opportunities for collaboration.
By emphasizing the importance of networking and social capital, society can create a more interconnected and supportive environment that fosters economic growth and a more equitable distribution of wealth.
Inherited Privilege and Social Mobility
Inherited privilege and social mobility play crucial roles in determining individuals’ access to resources and opportunities. A person born into a wealthy family often has access to better education, healthcare, and social connections than someone born into poverty. Even if wealth were redistributed equally, existing social structures and privileges would likely persist, and wealth would eventually flow back to those with greater access to resources and opportunities.

Inherited privilege and social mobility play crucial roles in determining an individual’s access to resources, opportunities, and ultimately, their ability to accumulate wealth.
Those born into affluent families often enjoy better education, healthcare, and social connections, creating a cycle of wealth perpetuation and reinforcing existing disparities.
In a scenario where wealth is initially equally distributed, inherited privilege and social structures may still persist, leading to a re-concentration of wealth among those with greater access to resources and opportunities.
Addressing the issue of inherited privilege and promoting social mobility require implementing policies that level the playing field, such as increased investment in education, affordable housing, and equitable access to job opportunities.
By tackling the challenges of inherited privilege and social mobility, society can work towards reducing wealth disparities and creating an environment where success is determined by merit and hard work, rather than one’s background.
The Influence of Government Policies and Economic Systems
The economic systems and government policies in place can significantly impact wealth distribution. Progressive taxation, social welfare programs, and education policies can influence income inequality and wealth disparities. In a scenario where wealth is initially distributed equally, the existing economic system and government policies would play a crucial role in determining whether the same pockets would accumulate wealth again.

Government policies and economic systems significantly influence wealth distribution, shaping the degree of income inequality and wealth disparities within a society.
Progressive taxation, social welfare programs, and equitable education policies can help redistribute wealth more fairly, providing support to disadvantaged populations and reducing the gap between the rich and the poor.
In a scenario where wealth is initially equally distributed, the existing economic system and government policies would play a crucial role in determining whether the same pockets would accumulate wealth again or maintain a more equitable distribution.
By implementing policies that prioritize social justice, income equality, and access to resources, governments can create an environment where wealth is distributed more evenly and opportunities are available to all citizens.
The influence of government policies and economic systems underscores the importance of political engagement and advocacy in shaping a more equitable society and addressing the root causes of wealth disparities.
Luck and Unpredictability
Luck and unpredictable events can also play a role in wealth accumulation. Some people may unexpectedly inherit wealth or experience a sudden increase in the value of their investments, while others may face unexpected financial setbacks. While predicting or controlling these events is impossible, they can contribute to wealth disparities even in a world with equal initial wealth distribution.

Luck and unpredictability play a role in wealth accumulation, as unforeseen events and circumstances can significantly impact an individual’s financial situation, either positively or negatively.
Factors such as unexpected inheritances, windfalls, or sudden market shifts can lead to significant wealth disparities among individuals, even in a world where wealth is initially distributed equally.
Conversely, unpredictable financial setbacks, such as job loss, health issues, or market downturns, can negatively affect a person’s wealth and widen the gap between them and their more fortunate counterparts.
While it is impossible to predict or control these events, recognizing the role of luck and unpredictability in wealth distribution highlights the importance of building financial resilience and contingency plans.
Acknowledging the impact of luck and unpredictability on wealth disparities can also foster empathy and understanding, promoting a more compassionate and supportive society that values economic stability and social justice for all.
Psychological Factors and Risk Tolerance
Individuals’ psychological factors and risk tolerance can significantly influence their financial decisions and wealth accumulation. Those with a higher risk tolerance may be more likely to invest in high-risk, high-reward ventures, while risk-averse individuals may prefer safer investments with lower returns. Over time, these differences in investment strategies could contribute to a re-concentration of wealth among risk-takers.

Psychological factors and risk tolerance play a significant role in wealth accumulation, as they can influence individuals’ financial decision-making and investment strategies.
People with a higher risk tolerance may be more likely to invest in high-risk, high-reward ventures, which can lead to substantial wealth accumulation if successful, while risk-averse individuals may prefer safer investments with lower returns.
In a scenario where wealth is initially equally distributed, differences in risk tolerance and psychological factors could contribute to a re-concentration of wealth among individuals who are more willing to take financial risks.
Understanding one’s own risk tolerance and psychological predispositions can help individuals make more informed financial decisions that align with their personal goals and values, potentially leading to greater financial success.
Encouraging self-awareness and promoting financial education that considers psychological factors and risk tolerance can contribute to a more equitable distribution of wealth and empower individuals to make sound financial choices.
The Importance of Addressing Systemic Inequalities
Addressing the systemic factors contributing to wealth disparities is necessary to achieve lasting wealth equality. This includes improving access to quality education, healthcare, and economic opportunities for all individuals, regardless of their social or economic background. By tackling these underlying issues, it is possible to create a more equitable society where wealth is not as concentrated in the hands of a few.

Addressing systemic inequalities is essential to achieving lasting wealth equality, as it tackles the root causes of disparities and ensures fair access to resources and opportunities for all individuals, regardless of their background.
By focusing on systemic issues such as education, healthcare, and economic opportunities, society can create a more equitable environment where wealth is not as concentrated in the hands of a few.
Implementing policies that promote social justice, income equality, and access to resources can help dismantle the barriers that perpetuate wealth disparities and provide a more level playing field for everyone.
Addressing systemic inequalities requires collective action, with governments, businesses, and individuals working together to create meaningful change and foster a more inclusive and just society.
Tackling systemic inequalities contributes to a more equitable distribution of wealth and leads to stronger social cohesion, increased economic stability, and a brighter future for all members of society.
The Role of Cultural Factors and Social Norms
Cultural factors and social norms can significantly influence people’s financial behavior and values. Societal expectations regarding work ethic, consumerism, and financial success can shape individuals’ attitudes toward wealth accumulation and spending habits. In a scenario where wealth is initially distributed equally, these cultural factors would continue to play a role in the uneven distribution of wealth over time.

Cultural factors and social norms play a significant role in shaping wealth disparities, as they can influence people’s financial behaviors, values, and attitudes towards wealth accumulation and spending habits.
Societal expectations regarding work ethic, consumerism, and financial success can either encourage or discourage responsible financial decision-making and wealth-building practices.
In a scenario where wealth is initially equally distributed, the impact of cultural factors and social norms would still contribute to wealth disparities, as individuals with different cultural backgrounds and values might make distinct financial choices.
Fostering cultural awareness and promoting inclusive financial education can help bridge the gap between different cultural perspectives, encouraging more equitable wealth distribution and financial stability.
By understanding and addressing the influence of cultural factors and social norms, society can create an environment that supports responsible financial behavior and values economic equality for all.
The Impact of Technological Advancements
Technological advancements can disrupt traditional industries and create new opportunities for wealth creation. Early adopters of new technologies and those with the skills to navigate these changes are more likely to benefit financially. Consequently, as technology continues to evolve, the individuals who can harness its potential are more likely to accumulate wealth, contributing to the redistribution paradox.

Technological advancements profoundly impact wealth accumulation, as they can disrupt traditional industries, create new opportunities for wealth creation, and provide individuals with the means to generate income in innovative ways.
Early adopters of new technologies and those with the skills to navigate these changes are more likely to benefit financially, contributing to wealth disparities as technology continues to evolve.
In a scenario where wealth is initially equally distributed, individuals who can harness the potential of emerging technologies would still accumulate wealth faster, leading to disparities over time.
Ensuring widespread access to technology and digital literacy is crucial for leveling the playing field and allowing everyone to benefit from technological advancements.
By investing in education and training that focuses on emerging technologies, society can create an environment where technological advancements drive economic growth and contribute to a more equitable distribution of wealth.
The Effects of Globalization and Economic Integration
Globalization and economic integration have led to increased interconnectedness between countries and economies. As a result, wealth creation and distribution are no longer confined within national borders. Individuals and businesses with the ability to operate globally and adapt to different markets are more likely to accumulate wealth. Globalization would still drive wealth disparities in a world with equal initial wealth distribution as those with international connections and market knowledge would be better positioned to succeed.

Globalization and economic integration have led to increased interconnectedness between countries and economies, influencing wealth creation and distribution on a global scale.
Individuals and businesses with the ability to operate globally and adapt to different markets are more likely to accumulate wealth, contributing to wealth disparities even in a world where wealth is initially distributed equally.
The effects of globalization can create both winners and losers, with some benefiting from access to new markets and opportunities, while others struggle with increased competition and the erosion of traditional industries.
Addressing the challenges of globalization requires implementing policies that promote fair trade, protect workers’ rights, and support industries facing disruption, to ensure that the benefits of economic integration are shared more equitably.
By fostering international cooperation and promoting sustainable development, society can harness the potential of globalization and economic integration to create more inclusive growth and reduce wealth disparities across the globe.
Personal Choices and Individual Responsibility
Personal choices and individual responsibility also play a role in wealth accumulation. People’s career decisions, spending habits, and investments can greatly impact their financial success. In an equal wealth distribution scenario, some individuals may choose to prioritize short-term gratification over long-term financial planning, leading to wealth disparities over time.

Personal choices and individual responsibility play a significant role in wealth accumulation, as people’s decisions regarding their careers, spending habits, and investments can greatly impact their financial success.
In a scenario where wealth is equally distributed, some individuals may prioritize short-term gratification over long-term financial planning, leading to wealth disparities over time.
Emphasizing the importance of personal responsibility in financial decision-making can empower individuals to take control of their financial future and make choices that align with their long-term goals.
By promoting financial literacy and encouraging responsible financial behavior, society can help individuals make informed decisions that contribute to their overall financial well-being and a more equitable distribution of wealth.
Fostering a culture of individual responsibility and personal choice can lead to a more resilient and financially stable society, where people are better prepared to navigate economic challenges and pursue their financial aspirations.
The idea of redistributing wealth equally among everyone and observing its eventual re-concentration in the same pockets is thought-provoking. It highlights the complex interplay of financial education, entrepreneurship, social capital, inherited privilege, government policies, luck, psychological factors, cultural influences, technological advancements, globalization, and personal choices in shaping wealth disparities.

While an equal distribution of wealth may not guarantee lasting equality, addressing the underlying systemic inequalities and promoting fair access to resources and opportunities can help create a more equitable society. Tackling these challenges requires a comprehensive approach that involves improving education, promoting financial literacy, implementing progressive policies, and fostering a shared responsibility and social justice culture.

Bad Credit Financing – A Brief Guide

The term ‘financing’ might sound a bit fancy, but it’s just another way of saying ‘loan’ (albeit a loan with a specific purpose). Basically, a loan taken out solely for purchasing one thing with no money left over afterward is known as financing – for instance, borrowing money to pay for a car is ‘car financing.’ In most cases, financing loans can be arranged through the people providing the service you’re paying for, although they merely act as brokers for specific lenders rather than lenders themselves; so using the same analogy, car dealers can generally offer finance to people buying cars from them, as do many home improvement firms.

Of course, since financing is exactly the same as a loan, that means the same rules apply when you try to get it: you’ll be subject to a credit check, asked to fill in paperwork and generally means tested to ensure you can afford to pay the money back. That’s not so good if you’ve got bad credit, County Court Judgements (CCJs) or any other form of financial difficulties, since those will count against you in your application. That isn’t to say you won’t be approved in some cases, because the lending options available may be flexible enough to offer higher rates of interest to compensate for your bad credit situation. However, you’re far more likely to be turned down using the limited finance options provided by the people you’re buying from (be it a car dealer, home improvement company or whoever), so it’s best to instead source your financing from another lender once you know what you’d like to buy.

Thankfully, there are many lenders who specialise in financing for people with bad credit – some offer very specific loans for cars, while others will simply provide a Bad Credit Loan for the exact amount required. Not surprisingly though, these loans will usually have a significantly higher rate of interest so it’s unwise to just go with the first firm that’s willing to accept you. As with all Bad Credit Loans, shopping around is the key to finding the best rate – you can do this yourself or turn to a loan broker, who can do all the work in the fraction of the time it would take you. So long as you specify that you want the loan for financing purposes and can show what you’re looking to buy, finding the best rate for you shouldn’t take very long at all.

In Summary

Bad Credit Financing…

Can be hard to get if you try to get them from service providers like car dealerships
Is best sourced from an external lender before you try to buy whatever you’re after
Will generally have a higher interest rate than normal financing loans
Isn’t impossible to get if you employ the services of a good loan broker

The Best Car Deals – Low Finance Rates Vs Rebates – Which Should You Choose?

How To Get The Best Car Deals:

Quick tips that will help you at the car dealer:

How to understand Rebates and low financing offers:

Vehicle MSRP: Manufacturers Suggested Retail Price – This price is always negotiable – don’t ever agree to pay MSRP

Exception: Some vehicles that might be “hard to find” or “limited in production” might be sold by the dealers at MSRP or, sometimes higher. This is usually called Market Adjustment.

Manufacturers Rebates: This is your money and has nothing to do with discounts given by the dealership. This money is given to you directly from the factory. Never let the rebate be used as a negotiation tool by the dealer. Any discount or negotiation from the dealer should be separate of any rebates offered.

Low finance rates: 0.00% 1.00% 1.9% etc… These are called Sub-vented rates, they too are offered by the factory and not the dealership. Do not allow a “low” finance rate to be used as part of a negotiation by the dealer. These rates are granted over and above any discounts, rebates, etc.

Exceptions: There are several exceptions to Sub-vented finance rates, but here are two that you really should be aware of:

1. Not all people qualify for these rates. So, if you suspect that you might have some issue that will cause you not to qualify, there is nothing wrong with expressing to the dealer that the low finance rate is something you are interested in, and you would like to apply first, before going through the long, timely steps of deal negotiation. Many dealerships will view this as unusual; however, any “good” dealer will be happy to let you submit an application first if you insist. Why is this important? As we always say, knowledge and preparation are the keys to not overpaying at a dealership. What happens if your entire deal is worked, negotiated and finalized with the dealer? Then you head over to the finance office to finalize the finance terms and payments… You expected to pay 0.00% interest, then at the last second you are told: “Sorry” because you don’t qualify… NOT GOOD THE WHOLE DEAL CHANGES.

2. Rebates and “low” finance rates can not always be combined. Some factories allow it some times, however there is no rule; you must do your homework first. For instance, Chrysler offers manufacturers rebates on most their vehicles, plus they offer low finance rates on most vehicles as well. Though, you the customer must decide which offer you want, you can’t have both. Although, sometimes Chrysler will run special offers that allow you to “combine” both the financing and rebate offers at once. But be careful, dealers won’t always tell you that these offers are available, if you are unaware and you agree to pay higher finance rates, you are stuck.

Commonly Asked Question: Which is the right choice, Rebate or Low Financing?

This is an interesting question asked by many customers, the answer is simple yet many people have no idea.

Remember this rule: You should do what’s best for you, do not ever inquire with a person, dealer, or anyone else that has any other motive than what’s best for you.

What that means is this: When you ask a dealership which makes more sense, the dealer will likely tell you: “Take the rebate – not the low interest rate.”

The reasoning behind this answer is, if you take the rebate you are actually paying “less” for the vehicle than if you elected the low interest rate. So, being that the vehicle price is the most important issue, you should always take the rebate. Is this correct or incorrect?

Rule: Don’t be concerned what the dealer is making or losing, it’s not relevant to what’s best for you.

Does the dealership stand to gain more if you chose the rebate vs. the low finance rate? The answer to that question is yes, the dealership does stand to gain more. They receive a little more in “reserve money” from the lender if you chose conventional finance rates. The fact is however; that this point is completely irrelevant. Who cares what the dealership is making? Why is that important anyway? Is there some rule that says a dealership is not entitled to make profit? The only person who is doing something wrong in this scenario is you. You’re asking the wrong party for information. If the complete and honest answer might cause the dealer to make less, chances are more than likely the answers will be carefully weighed to fall on their side.

Remember: Your concern is getting the best deal for you, don’t waist time caring about what the dealership makes. Prepare yourself by considering all the facts. Do not make the common errors of all the people we constantly heart about who over pay all the time.

Fact: People who think that dealerships are losing money on them are usually the ones who pay the most!

Note: Please understand the purpose of this and every other post we write is NOT to condemn dealerships for making profit. Why should a dealer not be entitled to profit? What right do we have to ask them to lose money? Would you ever go to a restaurant and tell them that you insist they sell you dinner and lose money? It’s a stretch, but equally as ridiculous.

The purpose of this post is to assist fair people in getting the best deal for themselves. Protecting people from being “ripped off” by a deceptive dealership is our motivation. We don’t claim that all dealers are unfair or “rip off artists”, in fact we are aware that most dealers are honest and forthcoming. Although, everyone is in business to make a profit and the topics written about within these posts are for the purpose of assisting “fair” consumers achieve “fair” and honest deals. Why do we keep mentioning “fair”. Because equal to us having no concern about a cheating dealership, we also have no concern about the “unfair” consumers who want the good dealers to close down their business and lose money.


As we have mentioned so many times; price is not always the most important issue.

The following is the one and only correct answer to the Rebate vs. low rate debate:

With any issue that causes you to make a decision there are always certain facts in place, those facts make up the “pros and cons”. With any decision we make, we weight the pros and cons and ultimately are lead to a decision. Then of course, we hope that decision was the right one.

Remember this rule: There is always a point where the two lines will cross, that point is where you will find the correct answer.

This means; there are variables that create change in every deal. For example: It may be a better deal for me to take the rebate, while it is a better deal for you to take the low financing rates. Let’s explain:

You might be financing $30,000 and your finance term is 60 months. The Factory is offering a $3000 manufacturers rebate or 0.00% for the 60 month finance term. Which do you choose?

I might be financing $12,000 – The factory is offering a $3000 rebate or 0.00% for the finance term. Which one do I choose?

Obviously the answers vary; your lines of “break even” will obviously cross way sooner than my lines. The reason: different factors in the two deals will yield different answers.

Here’s how you figure out the correct answer based on your factors:

For this example we’ll assume that you are considering a $30,000 car with $3,000 rebate or a 0% interest rate, and for the sake of finding an answer, we’ll assume that you’re putting $3,000 a down payment and you qualify for all offers.

First: Draw a line down the middle of a piece of paper; on one side write Rebate on the other side write 0%

Second: on the 0% side write in the sale price of $30,000 – and on the left side (rebate) write in the sale price of $30,000 as well.

Third: On both sides add in your local tax rate. For instance: if you live in Queens NY add 8.25% as sales tax.

Fourth: on both sides add $300 – this should cover DMV – Inspection and dealer Doc Fees.

Fifth: On both sides – subtract $3,000 for you down payment

Sixth: On the rebate side subtract $3,000 for the rebate

If you did this right, so far you should have the following results:

Both sides: should show Sale Price $30,000 Tax $2,475. DMV $300. Sub Total: $32,775

Rebate Side Should show $6,000.00 Total down payment and an “unpaid balance” of $26,775.00

The 0% side should show $3,000 Total Down Payment and an “unpaid balance of $29,775.00

Assumption: If you chose not to take the 0% – the dealer offered you a 5.5% interest rate.

Compare to see where the lines cross:

Next step – find an auto loan calculator – you can go on any search engine type in “free auto loan calculator”

I am not able to attach a link to this area of the post so I will simply suggest a very user friendly, free calculator (which we have no affiliation) is just search:

“Free chase auto loan calculator”



$26,775 Amount Financed

5.5% APR

60 Month Term

Answer: Payment $511.43

Total Interest: $3,910.80

Total of Payments $30,685.00


$29,775.00 Amount Financed

0% APR

Answer: Payment $496.25

Total of Payments $29,775.00

Summery: On your deal, 0% came out to be $910.80 less than the REBATE, so obviously the better deal for you is 0%.

On my worksheet, using the same method, it turned out that the rebate was quite a bit more of savings, (only because I was financing much less) if I chose to finance more money perhaps the lines would cross sooner.

Final notes to remember:

1) If you choose to lower or raise you down payment and lower and raise your amount financed, the out come of “which one” is a better deal will vary. So, keep testing the different scenarios using the method provided above and you will find the best deal for you. Every time!

2) Be careful – No rebate is final, while low financing isn’t: Keep in mind this very important consideration: If you choose low financing over the rebate – essentially you just paid more for the vehicle and you can’t get that money back. However, you chose to do so in return for free financing terms. (Very smart) You did your homework, you made your decision based on solid factors and you made the overall least expensive decision. EXCELLENT WORK! Though, you must remember you made this comparison based on a 5 year repayment term. If you keep the vehicle for 5 years, and pay as expected you win, your calculations were perfect and you achieved the best deal for you. On the other hand, if something changes and for any reason you decide that you are not going to keep this vehicle beyond the second or third year… Then, you just gave back the benefit of the low financing. The variables have changed once again and the better deal swings back to the rebate. So remember, in the privacy non pressured environment of your own home; carefully consider all your options and likelihoods. For instance, if you know you don’t keep a vehicle beyond a couple of years, this must be included as a decision factors.

Long story short: Always compile all the facts first, limit the variables that can change the deal and negotiate with confidence.

The author of this article is an auto industry professional for the past 18 years. Robert has extensive knowledge in automotive finance and specialty automotive finance (bad credit). Having worked as a finance and special finance manger for dealerships in the New York metropolitan area since the early 90′s Robert has assisted thousands of clients in achieving auto mobile loans with “less than perfect” credit.

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Today the inevitable wind of change in technology has taken over since computers and progress are attached to each other. With the dawn of information and technology, which has produced computerization, computer science has taken adequate significance. As a subject of truth, a preponderance of people around the globe is receiving computer science education.

Scholars who are offering computer science courses are required to prepare or write computer science papers as the assignments assigned to them by their professors of instructors. In every University offering computer science courses, students are required to undertake coursework assignments after every one or two weeks. These assignments are mostly in the form of short computer projects that require detail writings. Furthermore, the assignments are of diversified categories such as computer science term papers, computer science essay, computer science dissertation essay, and computer science research paper among others. Developing computer science papers is not an easy task since it requires abundant time to complete writing the papers.

Preponderance part of students agonize with computer science papers since they always have limited time to complete their assignments, yet their supervisors demand completed assignments in the shortest time possible. Many students combine their courses with other small courses making their academic workload bulky and difficult in handling. As a result of multitasking, under limited time and external support many students end up performing poorly in their computer science papers assignments. Since computer science is an expansive field, which handles topics such as programming, and artificial intelligence a lot of effort is needed in terms of knowledge gathering. Nevertheless, due to the bulky syllabus students take in computer science papers it becomes practically impossible for them to handle their papers well.

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Students pursuing computer science courses write computer science papers during and at the end of the semester. Students experience problems when writing computer science papers and this affects their grades. Some students do not have the skills and knowledge needed to write such assignments. Others have no time to complete the homework. This has compelled students to submit low quality computer science papers. As a result, students buy computer science papers from writing organizations. Many organizations around the globe offer help to students.

Most organizations helping students in their academic do not offer legitimate help, and this has affected student achievement. Students do not have the capability to differentiate genuine companies from those not genuine. Thus, they buy computer science papers from any company.

Students should consider various things when purchasing computer science paper including quality, deadline and plagiarism. Students should get assistance from companies that have the following attributes.

First, students should buy computer science papers from companies that have specialist writers.

Different companies hire different writers, and this determines the quality of services they offer to students. Some companies hire poor writers and others experienced and expert writers.

Therefore, students should be familiar with the writers before deciding to buy computer science papers. Students should get aid from specialist writers. The writers should have specialized in the computer science field. They can have knowledge in different areas of computer science.

This will ensure students get professional and satisfactory assignments. Many companies do not have the capability to employee specialist writers with adequate knowledge in computer science.

Instead, the companies employ writers with general degree and knowledge. The writers offer low quality services to students as they lack the skills and knowledge. The writers should have masters, doctorate and undergraduate qualifications. This will enable students to get pleasant work. The writers will also serve students from diverse academic levels. Some companies employ college writers with no knowledge and experience in writing masters, doctorate and undergraduate computer science papers.

Second, students should buy computer science papers from writers capable of providing original assignments. The writers should not obtain content from the internet and paste it as this influences student score. The writers should be able to use different sources and paraphrase the content of every source. The content not paraphrased should be put in quotes. Quotations preserve the originality of ideas and also prevent plagiarism. Hence, the writers should have experience in synthesizing content gotten from different sources into complete and original computer science papers. The writers should detect plagiarism before handing the home work to respective clients. This will eliminate any traces of plagiarism and boost student grades. The custom writing company should give originality and student score priority.

Third, students should buy computer science papers from writers capable of providing quality work. Quality comprises of correct grammar, coherency, no spelling errors and plagiarism. The writers should be conversant with the quality components to ensure each component is included.

The writers should ensure the assignments have no grammar and spelling mistakes. They should proofread the content to eliminate such mistakes. Editors should also check the assignments for errors before sending them to clients. Additionally, the writers should read computer science papers to ensure they have coherency. The flow of computer science papers affects student grades. The reader should be able to connect the ideas and read them clearly.

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Writing Chicago style papers is usually easy; however, some students mostly find it hard when it comes to putting footnotes and end-notes. No matter the many years the student might have in writing Chicago style papers, they usually have doubt if they are doing what is right. In order to avoid the doubt, most students decide to seek form assistance from professionals who have experience in writing Chicago style papers. Chicago style writing company has experience writers who are professionals in writing Chicago style papers. These are writers who have qualities like no other in writing academic papers using Chicago style. In order to have remarkable class performance, students should buy Chicago style papers from this company.

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All Chicago style papers have to be written according to the instructions that the writers have requested. This ensures that they meet the standard of the customer and that of the instructor. All Chicago style papers are normally written using proper grammar and have no language errors. The writers also check for plagiarism using the plagiarism software to check for any traces of plagiarized materials. This ensures that the papers are original. There is also a panel of editors who ensure that the proof read the papers so that to make sure that the writers clearly followed the customer’s instructions and the paper does not have language or grammar error.
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Author is associated with Superior Papers which is a global Custom Essay Writing and Term Paper Writing Company. If you would like help in Research Papers and Term Paper Help you can visit Chicago Style Papers

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