2020 Tax Refund: Prepare to use your Tax Refunds to Buy A New Car

Auto loans and tax refunds are like a match made in heaven. Tax refunds can pretty much act like a ready-made down payment for your next car, amongst other things. When you receive your 2020 tax refunds, you can use it efficiently by applying for an auto loan. The important key is to understand how you can make use of your tax refunds and utilize them towards purchasing your next car.

Buy a Car with 2020 Tax Refunds: Tips and Suggestions for a Better Deal

The following points will throw clarity in helping you to understand how you can use your refunds as an investment towards purchasing a car.

1. Buy a Better Car

In the stressful times of Novel Coronavirus, it is best to travel by a private vehicle. If you have a little additional budget because of your tax refunds, you can upgrade to a better car and ensure your safety.

Your tax refunds can range between $3000-$4000 and additional money can go a long way in car buying. You can either purchase a luxury used car or purchase a new car of your choice with upgraded features. Research about the car that fits your requirements.

If you are purchasing a car for your entire family might use, you can switch to a variant that provides improved safety features. Therefore, make sure to utilize your tax refunds towards buying an upgraded and better car.

2. Opt for a Large Down Payment Amount

A tax refund can do wonders for obtaining a great auto loan deal. Firstly, using your entire tax refund towards putting a big down payment can help you to obtain lower monthly payments. It will allow you to pay off a good chunk of the auto loan amount quickly.

Secondly, you can use your refund to negotiate for lower interest rates which in turn will give you a cheaper auto loan deal. Thirdly, you can use your down payment to shorten the loan term. Therefore, using your refund money towards the down payment is a great way to bag a good deal.

3. Preapprove your Auto Loan

Once you have researched the car you want to buy and have decided to put a large down payment, you can apply for pre-approved auto loans.

A pre-approved auto loan will give a clear picture of your financial condition so that you can shop with confidence. You can also seek pre-approval at online auto loan portals. With a pre-approved auto loan, you will be able to negotiate better deals and enjoy an affordable car buying process. It will give you an edge over other car buyers as the pre-approval will prove the dealer of your credibility.

Tax Refund is Your Resource for buying a Car

Whether you have received your tax refund or not, it is wise to plan for it in advance. It will come handy when you want to buy a decent car model. Be mindful of your refund money and invest it in your next car. Do not waste it over other frivolous expenses. Use your tax refund wisely and buy a better car to avoid public transport in times of COVID-19.

New Puppy Checklist- An Ultimate Guideline

Bringing a new puppy in your home is quite thrilling and exciting for everyone of your family loved and feels the same like welcoming a new child. While everyone waits for the great moment to come, it should be your priority to prepare a new puppy checklist to provide the necessary comfort and ensure the wellbeing of your loving pet. In this article, let’s have a basic outline concerning what you need to include in the checklist.

The Basic Checklist

Depending on the breed type, you need to research the basic foods that you should provide for its necessary nourishment. Also, consider buying plates and bowls made of stainless steel or ceramic that comes affordable.

Get a washable bed and beddings for the dog for having comfortable sleep.

Purchase toys to boost the puppy’s mood and make them lively and energetic.

A well-secured crate is a must-have for the new puppy that facilitates them to stay peaceful or feel secured when you’re away.

Security Supplies Checklist

Collar or harness is a special kind of item which is generally worn around the neck of the pet. Similarly, leash is typically a chain which can be fastened with the collar to control the movement of the pet especially when you walk with the puppy in the public place.

Also, the dog’s tag is a vital identification card that should include the pet’s name, mobile number of the owner that helps finding the puppy in case it’s lost.

Care and Hygiene – New Puppy Checklist

Having a dog brush is important that helps minimize to shed and tangle of their far.

Consider also, having a non-toxic puppy shampoo and use while giving a bath to your puppy that helps get rid of dust and dirt leaving the puppy a great smell.

Typically similar to humans, you need to clean your dog’s teeth with a toothbrush and paste daily for health and hygiene.

Medications – New Puppy Checklist

Having certain medications to control common infections and health issues in your puppy is important.

This includes medications for

Flea & Tick control, which may affect you too;

Heartworm medications caused by mosquito bites and may attack the lungs and heart;

And others as suggested by your vet specialist;

Vaccine Checklist

Similar to a child, a new puppy are also prone to some health problems out of which some may be deadly. Typically, your veterinary practitioner provides the necessary vaccines which includes


Canine distemper

Canine parainfluenza and more

Being a new puppy owner, you simply cannot ignore work with a reputable veterinarian for necessary healthcare, routine vaccinations, and advice. Make sure in case of emergencies too you can visit the practitioner with your puppy without any hassle. Under certain circumstances, the veterinarian can refer your loving pet to healthcare facilities.

Apart from the above, you will require a

An experienced dog trainer

A pet sitter and

A dog groomer

Last but, of course, not the least is to do the necessary research and having pet insurance which is the most vital and mostly ignored aspect of pet owners. Mind well, it’s as significant as you consider in regard to your own health insurance. Considering the huge rises of medical expenses you must buy health insurance for your new puppy to avail the necessary treatment, surgeries, and rehab in case of injuries from facilities affordably. Considering the importance, it should get a priority in your new puppy checklist.

3 Tips That Will Really Trim Down Your Wedding Budget

You shouldn’t feel compelled to go deep into debt just to walk down the aisle. You can have a beautiful day without going broke. To get you started on your budget-friendly wedding, here are three ways that you’re guaranteed to cut costs.

Get Rings from a Custom Jeweller

What is a wedding without the rings? A good money-saving strategy that every couple should follow is to go to a professional jeweller to look for wedding bands.

A jeweller will be able to craft gorgeous custom pieces that work with your budget — this is especially true when you compare the price to the rings from major chain stores. Chains have higher prices because they need to accommodate their steep overhead costs. Smaller, specialized jewellers don’t. You’re only paying for the materials and the service.

When you’re planning the look of your custom ring, you should focus on impact over embellishment. Additional gems and details cost more. Keep it simple and remember that you can always add glam with anniversary rings in the future to add to your stack. Take a look at the beautiful options at Alexis Gallery so that you can get inspired about your own custom wedding ring designs.

Choose Buffets

Food and drinks will take up the majority of your budget. To cut down on costs, choose a caterer that offers buffet-style options over plated services for appetizers, dinner and dessert.

Buffet-style lets you embrace DIY, too. Consider your dessert table. If you have talented home bakers in your social circle, see if they can contribute treats for your dessert table as a wedding present. You can also make your own wedding cake instead of spending a fortune on a massive multi-tiered cake from a professional baker. You’ll have a table full of tempting treats for your guests without putting a dent in your bank account.

Shrink the Guest List

One of the hardest parts of planning a wedding is making your guest list and wondering if you can afford to invite all your friends and loved ones. By the time you’ve written down all of the names, you’re going to have a massive crowd.

To save money, you should trim down that list as much as you can. The smaller the guest list, the smaller your final bill will be. Or, you can always elope. More couples are eloping nowadays and skipping the stress of planning large-scale events. Choosing a private ceremony will immediately whittle down your budget, leaving you lots of savings for other priorities — like a honeymoon.


It’s always good to save as much as you can. You never know whether a surprise expense is going to crop up. Follow these simple changes to boost your savings and guarantee that your wedding budget can handle any small hurdles and hiccups. It’s better to be safe than sorry.

You shouldn’t break the bank to have an amazing day. When you follow these tips, you can guarantee that your wedding will be wonderful, affordable and worry-free.

What Type of Consultant Are You?

Are you interested in becoming a consultant with a direct sales company but aren’t sure if you will do enough with it to make it worthwhile. Direct sales companies are looking for all sorts of consultants, so don’t feel that you are out of place! There are essentially three levels of consultant, so see where you fit in. Just make sure you let the person you signed up with know so they are not always hounding you to do more than you want.

Hobby – The hobby consultant does one or two parties every few months, just enough to keep her active and maintain her discount. She is mainly in this for the personal discount, and to make a few dollars. She likely isn’t going to work too hard to get bookings or recruits, and may pass this onto her up line to pursue. You may hear from her whenever she has an event going on to find out the current specials and anything else she needs to know. Hobby demonstrators may also be people who have signed up but aren’t sure about the business or just need a chance to get out once in a while.

Part time – This is a demonstrator that does several parties a month. She could be in the business to make a bit of extra income for bills or just for some fun. It is easy for her to make a few hundred dollars a month by having a show once a week, or doing a few a every month. She likely is informed of what is going on with the company, but may need a bit of a refresher to make sure she understands how exactly things work. A part time consultant may easily move up to a full time demonstrator if something occurs in her life where she needs more money. These are people who want to get out of the house on a more regular basis, people who need more money or people who just love the product and want to share with everyone.

Full Time – The full time demonstrator is someone who is hosting as many parties a month as she can to maximize her earnings. She could be someone who is trying not to return to work after maternity leave, or someone who was downsized and is trying to replace her income. This lady has a “can do” attitude! The full time consultant is going to be attending as much training as she can to make sure she is doing everything she can to earn as much as she can. She will be working on getting her team built up, and have them all working to get some good income from them. This person is going to have to be organized or learn some ways to keep everything in place and on schedule.

Do you fit into any of these categories? You do not have to be a full time consultant doing parties every day of the week to be a consultant within direct sales.

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