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Bad Credit Car Purchase: Private Seller Vs. Auto Dealership

At some point, we all seem confused between various options. Whether it is purchasing a house or a car, we are always looking for options that suit our needs and requirements. Amidst all the exploring, the most important question to answer is: What are your options for purchasing a car? Private sellers and auto dealerships are two sources that can help you to buy a car. The place of purchase plays an important role, especially when you are suffering from bad credit. Understanding the options in detail will help you to choose the correct option for your car.

Measure Your Car Buying Options When Bad Credit Lingers

Listing down the pros and cons of buying your car from a private seller or a dealership will give you a holistic understanding and simplify your car buying process.

1. Buying a Car from an Individual

Pros: The biggest advantage of buying your car from a private seller is competitive prices. You can obtain the best possible price because when you purchase a car from a private seller, you eliminate all middlemen. Another benefit for a bad credit car buyer is the ease of auto loan approval. Lenders approve bad credit auto loans for buying a car from a private party due to the low risk of used cars. As a bad credit individual, purchasing a car and getting an auto loan is a positive step towards building a better financial future.

Cons: A drawback of purchasing your used car from a private dealer is the lack of guaranty on the vehicle. Replacing a car part or expecting after-sales services is difficult when you buy from a private seller. While you do get the lowest price on the car, you will have to do the groundwork for documentation, vehicle registration and solve DMV-related issues on your own. Although, you have to put in some extra effort due to bad credit and obtain a car in return, the efforts are not in vain.

2. Choosing an Auto Dealership to make a Purchase

Pros: Purchasing from a dealership usually means that you are buying a reliable car. Vehicle condition is one aspect that you can be certain of when purchasing your car from a dealership. Additionally, if you have narrowed down your car choice, you can get your hands on the exact make and model of the car. You will be getting the warranty and proper documentation of the car easily.

Cons: One drawback of dealerships is that the dealers usually have an in-house financing team that can provide you with costly interest rates. Another limitation of purchasing your car from a dealership is the price hike of the car as well as less room for negotiation. Also, getting bad credit auto loan approval, especially for a new car, can be a difficult task. Therefore, it becomes a cumbersome process for people with bad credit to get pre-approved auto loans or even effective interest rates, at the least.

Verdict: Choose what works for you!

A bad credit history does mean it’s the end of the road. A private seller can assist you in buying a car. If you do not have the time to do all the legwork, a dealership can be of help to you. Whether you buy a car from a private party or a dealership, make sure that you choose an inexpensive and reliable car model. It is suggested that you purchase a used car to reduce the cost of the loan. Buying a car can have a huge impact on your financial situation. So, learn your needs to make an informed decision.

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Future Trends in Software Testing Services

The software development industry has been witnessing a major change since the past few years with the introduction of technologies like DevOps, Agile and more. The advent of new technology has resulted in a major shift in the way we approach software testing. In fact, the software testing scenario has come a long way in the last decade or so and the future holds a lot more possibilities. This article takes a quick look at the top 5 upcoming trends in the world of software testing services so that the testers today get to know what the near future has in store.

Introduction of Machine Learning & AI to Testing

Experts in the field of software testing unanimously believe that artificial intelligence (AI) and machine learning are the two technologies that are all set to take the world of software testing services by storm in the near future. Today, we have both these technologies in their nascent stages but this is sure going to change in the next few years. This is because they can add an all new dimension to the technology of automation testing as we know it today, making it more effective. The future holds immense possibilities for the growth of both AI and machine learning as these technologies are what we need to evolve our approach to testing as software becomes more sophisticated and complex with every passing day.

Rapid Rise of Automation Testing

Automation is the current buzz word in the field of software testing services and experts predict that this is something that’s not going to change anytime soon. The future will see QA teams automate more and more. There will be a growing need for effective test automation tools like QARA Enterprise, Watir, Katalon Studio and the likes, which shall also evolve with the changing needs of the software testing industry. Interestingly, experts are also of the opinion that in spite of the increased use of automation, there will still be a need for manual testing, especially when it comes to testing parameters related to the user experience offered by an application. The challenge for testers would be to strike the right balance between automation and manual testing in order to maximize the overall efficiency.

Agile Under the Spotlight

It has been 17 years since Agile technology was first introduced to the process of software development and testing and it is predicted to have a bigger impact in the years to come. Agile technology promotes the concept of continuous testing and collaboration between different teams working on a project. This concept works towards the improvement of every phase, right from planning to execution. There are many benefits of going Agile which has made most organizations embrace the technology, and the future will be no different.

Big Data Testing

Big Data is a reality with the volume of organizational data growing by leaps and bounds. This ever increasing volume of data is a challenge that organizations are facing today. In the future, Big Data will also have its impact on testing and QA teams will have to change their approach in order to deal with it successfully. This is where the process of Big Data Testing comes into the picture as the solution that organizations seek, because the conventional approaches to testing won’t work for Big Data.

Increased Focus on Integration

The highly competitive market and the increasing need to deliver high quality products in the shortest time. This narrow timeframe has made it necessary to integrate the many elements of product development. Processes like requirement management and task management are carried out on different systems, which makes consolidation and analysis of data a time consuming process. Integration of various systems is an approach that can go a long way in saving valuable time and make faster time-to-market a reality.

Conclusion

The future of software testing services looks promising with several new technologies that are all set to make the task easier, faster and less complex for the QA team of tomorrow. We can expect a lot of change in the testing approaches and techniques which makes it essential that testers make an effort to stay updated on the trends that will define software testing in the years to come.

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HCJB Global Becomes Reach Beyond a New Name and a New Call to Christians Worldwide

HCJB Global announced Monday (Jan. 27, 2014) that the 82-year-old ministry, founded in Quito, Ecuador, is changing its name to Reach Beyond. The new name and the release of the Reach Beyond Mission Manifesto are intended to encourage and challenge Christians worldwide to reach beyond their comfort zones and perceived limitations to share the love of Jesus in places where the gospel has seldom, if ever, been heard.

The mission is defined by the tagline, “The Voice and Hands of Jesus. Together.” Through its “voice” ministries, the mission works with partners to use radio and modern media to make the gospel accessible in places where it typically isn’t available.

The “hands” ministries of the mission provide much-needed healthcare service in places where even common medical help isn’t readily available. Reach Beyond “hands” ministries takes many forms, including mobile community healthcare clinics, counseling centers in war-torn areas, clean water projects and general hygiene training, all with an emphasis on demonstrating the love of Jesus to recipients of the care.

Reach Beyond also values partnership with local Christians, churches and ministry partners as its core way of operating, signified by the word “together” in its tagline.

“For more than 80 years our missionaries and partners have boldly been going to places where people have never had the opportunity to experience the love of God,” said Wayne Pederson, president and CEO of Reach Beyond. “But now is the time to accelerate and multiply those efforts. Through the use of modern media and healthcare, we work arm in arm with partners to show people that a relationship with Jesus Christ can change their lives forever.”

The “Reach Beyond Manifesto” challenges believers to reach beyond borders and their own comfort level in an effort to accomplish the “great commission.” It serves as a declaration for how the renamed Reach Beyond wants to invest its time and efforts in making Christ known to the ends of the earth. It’s also a call – and a challenge – for other Christians to recommit themselves to the same effort.

“With all the technology, knowledge and experience available to us today, there is no reason why we can’t make Christ known to everyone on the planet,” said Pederson. “We hope the ‘Reach Beyond Manifesto’ causes all like-minded Christians to renew their commitment to demonstrate God’s love as His ‘voice’ and ‘hands.’”

Founded in 1931 as World Radio Missionary Fellowship Inc., Reach Beyond has focused on making disciples of Christ around the world. With ministries in more than 100 countries, Reach Beyond equips partners to air Christian content in more than 120 languages and dialects. The name change also reflects the ministry’s ongoing international focus and commitment to reach areas where less than 2 percent of the population is Christian.

“Adaptability has always been a strength of the mission,” said Curt Cole, executive vice president of international ministries. “When the best model was to own a large hospital or broadcast over shortwave radio, the mission leveraged those strengths. Today, technology and the world are changing, and we are adapting. That’s why we place such a high premium on partnerships with local Christians. They know their own culture and needs far better than we do. If the need is for a small, community healthcare clinic or a local FM radio station, we’re committed to equipping the people with all the resources they need to reach their own people in their own culture.”

HCJB Global’s “Beyond the Call” radio program, on more than 1,000 stations around the U.S., will now be called “Reach Beyond.”

“The new name is much more than a brand change,” Pederson said. “Reach Beyond is a reflection of our ministry DNA. It’s about doing whatever is necessary to reach those who have never heard the name of Jesus. In essence, it’s a call to Christians to reach beyond their comfort zones and challenges them to actively participate in making Christ known among the nations.”

To read and sign the “Manifesto,” visit www.reachbeyond.org.

The organization hopes the “Reach Beyond Manifesto” will serve as a call to action for Christians to focus their attention and efforts on those areas of the world where Christ has yet to be proclaimed.

“We hear it every generation, but perhaps it’s more true now than ever,” Pederson said. “We are at a pivotal time in our history. We have the means and ability to spread the message of Jesus to everyone who is alive today. We can accomplish this by renewing our commitment and reorganizing our priorities. Reach Beyond wants to be on the forefront of this new gospel era and encourage others to join us in making Christ known in every country, city, village and community around the globe.”

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