How Consumer Portfolio Services Helps Dealers Sell Vehicles

Most dealerships sell vehicles with the help of financing purchases for customers. People seldom arrive to search for a car or truck with a suitcase of cash or the ability to write a check for the total amount due. Manufacture financing, local banks that work with dealers, and credit unions offer financing to those with excellent to above average credit ratings.

What About Customers with Credit Issues?

Many customers with past credit issues seek late model used vehicles that have lower sticker pricing. They are aware new car prices are out of financial reach and financing may be difficult. Dealers often have few options in order to get those drivers into reliable cars.

There are credit builder program offers in some dealerships, but those are not as widespread as the need for financing. This leaves dealers losing money and customers who could become loyal ones providing multiple referrals. A private lender, such as Consumer Portfolio Services, can be of service to both the dealer and the driver.

How It Works

The lender indirectly helps drivers by helping dealers offer financing for people with past credit problems, issues with current credit, and no credit histories at all. Dealers submit credit applications to the lender for approval. Once approved, the lender buys the contracts from the dealer and handles customer payments for the life of the loan. The dealer sells more cars and customers drive off the lot happy.

Late Model Vehicles

There are some contracts for new vehicle financing accepted, but most are regarding late model vehicles that serve as collateral. The risk is lower than financing new vehicles because total costs are lower, and depreciation has already begun. The value of the car or truck is more likely to cover the amount financed

Getting Started

Dealers interested in providing this opportunity to customers and selling more vehicles can begin by applying to the lender. Acceptance is typically based on the volume of business, number of late model cars and trucks available, and the location of dealership. Operations in five states for almost thirty years means approval rates are high for dealers. The advantage of working directly with a lender that accepts contracts other lenders will not is the appeal to a broader customer base.

Hearing and Reading Inspiring Content From Successful Entrepreneurs

Aspiring entrepreneurs today have a broad range of ways they can read and hear information from business owners they find inspiring. Because of the Internet, it’s easy now to find video and podcast interviews, transcripts of interviews, blogs and social media featuring these successful individuals. Someone who is interested in becoming a management consultant might look for video interviews of an entrepreneur like David Johnson of Cane Bay Partners or follow this person on Twitter.

What information might these prospective entrepreneurs discover when they pay more attention to the people they find motivating?

Tips on Productivity

One possibility would be tips on becoming more productive. Many men and women struggle with this as they have so many distractions. They have a list of projects to accomplish, but they also are receiving emails and Voicemail messages they need to answer. They can learn how to better prioritize their tasks and stick with an efficient schedule.


Scheduling is crucial since statistics show that around 20 percent of entrepreneurs work more than 60 hours per week. About 60 percent report working between 40 and 59 hours per week. That can make life balance a challenge.

Diet and Exercise

If someone follows a few different successful business owners, this person will find that they tend to recommend many of the same actions. For instance, they will find a common theme regarding diet and exercise. A healthy diet and regular exercise can be essential for maintaining a high-energy lifestyle.

Competitive Athletics

Because these individuals are competitive, they may be attracted to athletic competitions for which they need to be physically fit. If they don’t pursue this type of goal, their company may sponsor athletic events. For example, Cane Bay Partners has sponsored the Ironman St. Croix triathlon in recent years.

Powerful Inspiration

Listening to interviews and talks given by successful entrepreneurs and reading the written content they post can be powerfully inspiring. Many men and women say that doing this significantly changes their lives in positive ways. They become more effective in their career paths while still being able to improve their health and enjoy fulfilling personal relationships.

How To Choose The Right Restaurant Accounting Software

A restaurant’s success depends on many different factors, some more obvious than others. While customers recognize the importance of good food, attractive surroundings, and friendly service, they may not be aware of what goes on behind the scenes. In addition to pleasing customers, restaurant owners have to manage their income and expenses and make sure they’re running a profitable business. To do that, they need to use the right restaurant accounting software. The following are some of the most important things to look for in an accounting program.

A Full Set Of Features

Accounting software should be able to handle both accounts receivable and accounts payable as well as generating reports to help restaurant owners get a clear picture of the restaurant’s financial health. Reports can help owners manage their inventory more efficiently and predict more accurately when it’s time to order new supplies. Another valuable feature to look for is payroll management. Some software packages come with a payroll feature, while others allow customers to add it on.

Integration With Other Applications

Another important consideration when choosing accounting software is how well it integrates with other business software currently in use. To get the most use out of accounting software, restaurant owners should be able to connect it to their bank account so that all of their transactions are imported and available for analysis. In addition, accounting software needs to be compatible with other business software, such as a payroll service or point-of-sale system, in order to facilitate sharing of information.

Cloud-Based Software

Nowadays, cloud-based software is becoming the norm rather than the exception because it offers so much convenience. When software is stored in a cloud, it’s available from any computer or mobile device, making it easy for a restaurant owner or employee to check information from home or while on vacation. In addition, cloud-based software is automatically updated, and updates rarely require changes to hardware. It also facilitates collaboration from different locations. One final advantage of cloud-based software is its scalability – users can easily add on new features as their business grows.

Choosing the right accounting software can be the key to survival in the competitive restaurant business. With the right tools, restaurant owners can get a clear financial picture and use real-time data to maximize their profits.

Cane Bay Partners are the Unsung Heroes of the Islands

Situated on the beautiful island of St. Croix, Cane Bay Partners is committed to helping make a difference in the lives of others. They work tirelessly to help business owners in the financial sector meet their goals and protect their bottom line. They also do much more than is carried out within the confines of their office building. Kirk Chewning and his partners at Cane Bay recently stepped up to help people in the communities devastated by Hurricane Maria. The aftermath of this storm proved to be devastating for the island.

Cane Bay Cares

Those who visit the island will often see people wearing T-shirts that proudly proclaim how much Cane Bay cares for the community. Their care was put to the test when a devastating hurricane hit the island and caused unexpected and catastrophic damage. Many residents lost all they owned in the storm and were left helpless and hopeless. Thankfully, businesses like Cane Bay Partners stepped up and immediately started to help.

They wanted to be on the frontlines and worked with the government to provide aid to those who needed it most. One of the many projects they become engaged with involved helping home and business owners who had major roof damage. Without the donations provided by Cane Bay, these homes would have experienced more devastating damage.

They also provided hundreds of generators to help those who were without power. These life-saving steps have proven invaluable to the people of the islands and they were so thankful for the outpouring of love and support from Cane Bay.

Cane Bay Continues to Help

In addition to the above, Kirk and his wife, along with donations from Cane Bay, were able to purchase much-needed furniture to help six families cope with the devastation and begin to rebuild their lives.

Those who are interested in learning more about the efforts of Kirk and the team should visit the website. If you are interested in their services, call the office today to get started. They help companies in the financial sector overcome the obstacles that are preventing them from being successful and increasing their bottom line.

Parylene Coatings: A Revolutionary Addition to the Medical Field

Countless new developments have taken place in the medical field over the last few decades. New treatment options for a number of conditions have come to light. Advancements in surgical techniques and instruments now leave smaller scars and require far less recovery time than they once did. Even medical record-keeping options have become simpler and more accurate.

One of the most undersung progressions, though, is the way in which medical instruments are protected. Parylene coatings are now being used in a number of applications to protect instruments from degradation without sacrificing functionality and precision. At the same time, these coatings aid in protecting the patients on whom medical instruments are used.

Benefits of Parylene Coatings for Medical Instruments

While a long list of protective substances and materials have entered the market over the years, many of them are quite a bit less effective than parylene. Some require continual reapplications whereas others offered little in the way of strength. Parylene appears to have solved a number of the common issues, giving physicians as well as patients a wide range of benefits.

  • Thickness: In comparison to other coatings, parylene is extremely thin. This allows for more precision and accuracy of medical instruments and tools without leaving gaps or falling short on its protective nature.
  • Strength: Despite being very thin, this type of coating offers exceptional strength. It resists extreme temperatures and corrosive substances while also thwarting mold growth. This helps keep sensitive tools in optimum condition, so they last longer and continue operating at peak efficiency and effectiveness.
  • Sterility: Since parylene offers a comprehensive barrier against external elements, it prevents pathogens from infiltrating instruments. This aids in keeping tools clean and free of bacteria and viruses, so patients are better safeguarded against infections.
  • Versatility: Because of its thinness, strength and other properties, this material is suitable for a wide range of applications, making it a valuable accessory in the medical field from a number of perspectives.

Parylene coatings are also FDA approved and in complete compliance with the full range of requirements of the medical industry. This factor, along with the other positive qualities of parylene, have made it a highly sought-after option in the world of medicine. Don’t hesitate to learn more about this substance and its numerous benefits.

How to Get Help From a Personal Injury Attorney

Personal injuries are one of the most common reasons for civil suits across the United States. When someone is injured due to the negligence or direct actions of others, it is important the injured party has legal representation to help them. Knowing how to get help is important for injured victims.

How to Get Started

When someone suffers a personal injury, they need to find someone local to help them. Scheduling a consultation with a personal injury attorney will allow injured victims to learn a lot about their legal rights and options.

To prepare for the meeting with the attorney, the injured party needs to begin gathering as much information as possible regarding their personal injury. If the victim has any evidence available, they should bring it with them to the meeting. The more information the victim is able to provide for the attorney, the better equipped the attorney will be to begin forming the case.

What Happens When the Attorney Is Hired?

Once the attorney is hired, they immediately go to work on investigating the claim. Any personal injury is going to require plentiful evidence to ensure liability and any measurable damages are able to be proven.

In some personal injury cases, there is an insurance company to deal with in the claims process. If this is the case, the attorney will start aggressively pursuing them and working to hold them accountable.

When insurance companies seem to be dragging their feet or are unfair, the attorney will begin preparing for a lawsuit. Although personal injury claims are often settled outside of court, it sometimes takes a judge and jury to hold a person responsible for their negligence or direct actions. No matter which legal option is pursued, injured victims can rest assured their attorneys will fight for their rights and best interests every step of the way.

Injured victims have the right to seek a fair outcome for their measurable damages. Getting help from an attorney ensures the rights of the victim are protected at all times. In many cases, an attorney is able to secure a fairer outcome than the victim would receive on their own.

How to Handle Being Pulled Over for a DUI

When someone is pulled over, they may expect to get a ticket. If the officer believes they’re under the influence of drugs or alcohol, but they could end up being arrested. It’s crucial for anyone who is pulled over under suspicion of DUI to make sure they are careful about how they handle the interaction and the choices they make as this could help them get a better outcome in the long run even if they are arrested.

Be Polite but Minimize Talking

The driver should make sure they are polite to the officer pulling them over, but they should minimize any small talk. It’s easy to say too much and to give the officers information, especially when taken out of context, that could make them look guilty. Speaking as little as possible minimizes this risk.

Follow Instructions but Decline Field Test

It’s important for the driver to follow all instructions so they avoid the risk of further charges like resisting arrest. However, it is not a good idea to do the field sobriety test. The test is designed to obtain evidence that someone is under the influence, but it is possible for someone to do poorly even if they have not been drinking. They may want to go ahead and do the breathalyzer or a chemical blood test so they do no automatically lose their license.

After the Arrest, Seek Legal Help

After the driver is arrested, they should seek legal assistance as quickly as possible. A lawyer is going to be able to look into their case and determine what the possible defenses are. Depending on the case, it may be possible to have the charges dropped or reduced.

If you’ve been arrested and charged with a DUI, be careful about how you handle the situation to avoid making it worse. As soon as possible, make sure you contact a lawyer so you can get help defending against the charges. Visit the website to call a local firm and make sure you can get the help you need. They’ll work hard to minimize the impact this might have on your future.

Reviewing Vital Details About DEF

In the US, fleet owners are required to comply with federal regulations for any trucks that are at least one-quarter ton in size. The regulation requires the use of diesel exhaust fluid to lower nitrous oxide emissions and prevent pollution. A local supplier offers the right fluids for all fleet trucks.

Maintaining Fleet Trucks

Fleet owners maintain their trucks more proactively by using the right diesel exhaust fluid. The trucks need fewer oil changes and operate at top-notch performance levels. More torque and horsepower are available when using the exhaust fluid proactively. Fleet owners get more fuel economy and won’t experience as much downtime for their vehicles.

Ensuring Drivers Comply With Regulations

The owners install selective catalytic reduction systems into the vehicles when making the switch the diesel exhaust fluid. As fluid levels grow lower, the indicator lights appear on the dashboard notifying the drivers. All the drivers have to do is add more fluid according to the readings on the gauges.

Containing and Storing the Product

Suppliers provide a variety of storage containers and pumps for the diesel exhaust fluid. The products come in a variety of sizes to accommodate the needs of all fleet owners. It is recommended that the containers remain in a location that is above freezing as frozen fluid is difficult to use. Fleet owners should label their containers as they are filled, and any diesel exhaust fluid that expires should be discarded appropriately.

Supplying the Fleet Trucks

Fleet owners order the diesel exhaust fluid is bulk supplies to maintain all their trucks. It is recommended that the fleet owner should set up replenishment orders to receive regular shipments. Larger shipments help the fleet owners avoid non-compliance issues and keep the trucks filled appropriately. Some suppliers might offer promo codes or discounts for more frequent orders.

In the US, federal regulations require all fleet owners to maintain steady levels of diesel exhaust fluid to stop dangerous gas emissions. The laws apply to large-scale fleet trucks that cause nitrous oxide emissions. To comply with the law, all fleet owners order ample supplies of diesel exhaust fluid. Fleet owners who want to learn more about DEF contact a supplier now.

How to Prepare for Chapter 7 Bankruptcy

Chapter 7 is a bankruptcy option that is available to many people. This type of bankruptcy allows people to legally overcome their debts so they are less stressed and able to start over financially. Knowing all the details about this type of bankruptcy is important for helping people to make the best decision for their needs.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is the fastest to settle and most people are able to overcome their debt in less than six months. First, a person will need to go through means testing to ensure they qualify. This testing checks their income and determines if it is above or below the median income for the state. If the income is too high, they will likely not be approved for this type of bankruptcy, though there may be other options.

When someone is approved, they will have a third-party trustee assigned to their bankruptcy case and this person has certain duties and authority that will help the individual settle their debt quickly. Some people will be required to submit some of their non-essential property for sale. This property is liquidated so the money can be used to pay off the debts owed by the individual. Often, a person simply will not have any property that is valuable enough to be sold so the third-party trustee has the option of absolving some of the debts.

How to Get Started

Getting help begins with first scheduling an appointment with the lawyer. Bringing in their financial records and asset information will help the lawyer to make a determination on whether the individual will be able to pass means testing and be approved for bankruptcy. They will also help their clients to understand their rights and the legal process of overcoming the debts they owe.

If you would like to learn more about getting legal help for bankruptcy, visit Call the office right away if you are ready to schedule a consultation. Allow them to help you get started on the process so you can legally overcome your debt and improve your financial outlook as soon as possible.

Risk Management Services: Keeping Losses at a Minimum

Businesses require significant investments. These ventures certainly include funding, but financial investments are only part of the bigger picture. Other stakes involved with businesses include time, effort, thought, planning and a wide range of other aspects. Each one ups the ante considerably, leaving all the more to be lost if the business should fold. Since businesses face so many potential hazards, some consider these ventures to be more of a gamble than an investment.

Reducing the Potential Perils

Risk management services like those available from Cane Bay Partners are designed to help take the gambling aspect out of keeping a business going. Long lists of both internal and external risks factor into the equation. Experts in the field of risk management aid in identifying them and finding ways of keeping them at bay. Several components go into the process.

  • Digging Deeper: In order to mitigate risks, it’s important to take a long, thorough look at the company in question. This means exploring the business’ industry, services, daily operations, employees and other key elements. Then, it’s time to think about all the potential issues that could arise, such as economic decline, lengthy power outages, fires, floods, theft, vandalism and security breaches to name a few.
  • Formulating a Plan: Once all the potential risks have been identified, the next step is to determine their likelihood and the impact they might have on each aspect of the business. From there, you’ll find ways of preventing, dealing with and overcoming them if they come to fruition. This could include developing new ways of approaching daily operations and investigating how similar businesses faced with those same risks have dealt with them.
  • Spreading the Word: Creating a plan is essentially useless if it can’t be implemented when the need arises. Because of this, it’s crucial to ensure everyone involved understands the risks, how they’ll be handled when the time comes and their individual roles in the process. Educating everyone on the proper procedures and possible changes is the key to successfully following through with the plan.

Though these critical elements may seem fairly simple on the surface, they tend to be far more complex than most people realize. In most cases, truly identifying all the potential risks, formulating an effective course of action and making sure everyone follows through takes the help of a risk management specialist. These experts have ample knowledge and experience in keeping losses at a minimum.