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When January 1st comes around each year, most people try to think of at least one thing they want to improve in the coming year. For many, the resolution is about their health, whether it’s to lose weight, eat healthier, exercise more, or maybe even quit smoking. Experts say that one of the best ways to achieve your New Year’s goals is to start small. Breaking your goals into manageable milestones helps to build the desired habit and eventually that habit becomes a way of life. These milestones also act as small achievements, helping you stay motivated.
We are often asked about GAP insurance: what is it, what does it cover, do I need it? GAP insurance is a product that covers you for the difference between what your insurance company may pay the bank in the event of a total loss and the balance you owe the bank on a car loan. For example, if you owe the bank $20,000.00 and you total your car, if the insurance company pays $17,000.00 based on the retail value of your car, you are “upside down” by $3,000.00. Even if you pay your deductible of $500.00, you still need to pay $2,500.00 for the deficiency or the “GAP” between what the insurance company has agreed to pay and what you owe. Scenarios like this are quite common these days and in many cases, we see deficiency amounts much higher due to people financing for longer terms, as well as the depreciation of vehicles, etc.
This question often comes up, especially in light of recent security breaches at various merchants. The short answer is yes, a Debit Card is just as safe as a credit card. However, there are differences that you should be aware of.
Each has their advantages, and possible disadvantages. This has to do with your intentions for using each card.
It’s the time of the year to look back on the past year, reflect on our successes, and find opportunities for improvement. While developing your personal resolutions, it is wise to come up with some career resolutions as well.
There is no substitution for doing your job well. In order to succeed in your career you must have the skills and knowledge to do your job efficiently and correctly. That said, attitude goes a long way. Most people would much rather work with a competent person who is a pleasure to work with over a miserable superstar any day.
So here are some things you can resolve to do in the New Year in order to be successful both in your career and in your office relationships.
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