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College Chronicles: Steps to Help You Purchase the Right Car for College

Purchasing a new car for college is the trade-off that we make for the yellow school bus. While some students receive an old car during their high school years, most students desperately wait for college to obtain their own mode of commute. Buying a car before college starts means you will have a fixed commute to college that will help you save in the long run. However, you need to carefully scrutinize a few key factors before you consider to purchase your automobile for the freshmen year.

Take Informed Steps to Purchase Your College Car

1) Do Your Homework in Detail

Purchasing a car for the first time does not mean that you should be clueless. Prior to walking into a dealership, you should have the complete knowledge about the current market scenario, the cars available on the lot and the average price of the car. Once you analyze different carmakers, you will be able to sort and select the car that is right for you in terms of choice and budget. For instance, Kia Soul is a vehicle known for its safety features and attractive interiors. Alternatively, Honda Fit is an economic and easy car to drive amongst the subcompact cars. Therefore, work a little on your wants before you head to your nearest dealership as preparation will help you navigate to your correct college car.

2) Get Help from a Close One

Even if you are working part-time, your current savings will not add up to the amount of the car. So, when you are out to make a purchase, applying for an auto loan makes sense. Adding a creditworthy co-signer to your loan application will make a huge difference in your loan approval. As you have little or no credit, the lender will scrutinize the financial standing of the co-signer on the auto loan. If co-signer seems to be a difficult option, consider a co-applicant. Having a co-applicant with a good credit score will ease your auto loan process and get you one step closer to buying your dream car.

3) Don’t get Stuck & ensure More Down Payment

Buying a car will make you move around various dealerships before you finally find one that serves you well. If you are not happy with the prices or if the dealership does not have the car that you desire, you are free to explore more dealerships in town. However, once you find a good dealership that offers you what you want, you should know the nitty-gritties of the deal. Make sure that you opt for a considerable down payment of 20 percent or more. It will help you to reduce your monthly payments and increase the chances of seeking a discount on the total price of the car. Thus, move around, ask your family members to come along and get a new set of eyes on the deal. Remember to pay more cash as your down payment to secure the best deal for your college car.

Purchase Right: Build your Credit Score

Are you excited about test-driving cars and deciding if you should buy a fiery red or a cobalt blue shade? The most important thing during purchasing a car for your college is that it should be affordable and meet your basic needs. Having an affordable loan will boost your credit score and help you in strengthening your financial foundation. So, make informed decisions and get ready for buying your first car. Purchase the right car and make the most of your college car buying experience.

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Last Longer In Bed – Facts And Tips

The desire to extend playtime beyond its usual duration is a common one among both men and women. If both partners are interested in this, it makes sense to learn some tips about how to last longer in bed – provided that both partners’ expectations are realistic. If one or both partners place unrealistic expectations on the man’s stamina, then performance anxiety can set in and further disrupt pleasure. Since sensual activity is an important part of psychological, relationship and manhood health, couples should know not only tips for lasting longer, but facts that dispel common misconceptions about a man’s lasting powers as well.

1. Get the facts straight. There is a notable discrepancy between what people want in bed and what they can reasonably expect (without proper preparations). Consider the following bits of data:

• A Cosmopolitan magazine survey of more than 2,500 women found that more than 70% said their desired length of lovemaking (from penetration to male finish) is over 10 minutes, with most saying 15-25 minutes.
• The same magazine surveyed about 30,000 men and found that, on average, they want longer sack sessions (including pre-play) to last 35-40 minutes.
• The average man can handle 3-7 minutes of continual thrusting before releasing.

Clearly, some of people’s expectations around sensual activity are unrealistic – at least unless they take special measures to lengthen the duration of the activity. It’s not that men have a problem – only 2-5% of men qualify as suffering from early on release, which is defined as finishing within one minute. Lasting for a short period of time is completely normal, so couples need to understand that, first, it’s not a man’s fault, and, second, both can take steps to lengthen their encounters.

2. Proper training is key. There are a couple things men can do outside of partner play to increase their control over release timing. One is to perform kegels; this is done by contracting the muscles that control the flow of urine through the male organ. The exercise is also known to strengthen tumescence function. 3 sets of 15 reps spread throughout the day is sufficient to make a difference, and they can be done anywhere.

Second, men can use their self-stimulation routine to up their bedroom stamina. This is done by employing a method called edging in which a man brings himself to the brink of release, then stops and waits until he begins to soften to start up again, repeating the process 3 or 4 times before allowing release. This trains him to better control the time of release.

3. Vary the speed. Remember: 3-7 minutes of continual thrusting is the normal time it takes for a healthy man to finish. If both partners are fond of the jackhammer style of sensual activity, fast and constant, it’s not reasonable to expect much longer from a man. Therefore, when he feels close to finishing, he can take this as his cue to slow down – kind of like edging, but with a partner.

4. Try the “7 and 9” method. The 7 and 9 method dictates a more structured approach to varying speed. The man thrusts fast 7 times, then 9 times more slowly and repeats.

5. Have mid-play. A man can maintain both male and female organ stimulation without thrusting in and out. When he’s getting close, he can pull out and rub the head of his male organ along the outside and the opening of the woman’s organ. He can even use the tip to stimulate her external hot spot.

6. Thrust shallow. Along with varying thrust speed, the depth can be changed to extend duration. While stimulation of the top of the shaft and head is still immensely pleasurable, it may bring about release more slowly than full engulfment of the organ. Also, shallow thrusts are best for hitting her G-spot, so she won’t be likely to complain. Classic doggie style with shallow thrusts is great for a man’s ability to control thrust depth and hitting the G-spot.

7. Be more in the moment. Everyone has likely experienced the “race to the finish” mentality. It can be hard to delay that immensely pleasurable moment; sometimes, people fear that they won’t finish if they wait, so they let it happen early on despite an overall desire to go longer. Men can try to shift their perspective from seeing sensual activity as a means to finish to seeing it as an enjoyable experience at all its many possible stages.

Men aren’t likely to last longer if their skin is sore and chafed. That’s why it’s a good idea to use plenty of lube during solo play and sensual activity. It’s also wise to apply a male organ health crème (health professionals recommend Man1 Man Oil) after a man’s daily shower. A product with Shea butter and vitamin E can keep the skin is good condition and ready for action.

Visit http://www.menshealthfirst.com for additional information on most common member health issues, tips on improving male organ sensitivity and what to do to maintain a healthy manhood. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

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What You ‘GET’ and What You ‘Don’t Get’ from No Guarantor Loans?

Once can write a complete encyclopaedia on the guarantor-free funding. Many aspects define its utility while others describe the situations that it may not serve. Having a knowledge of both the aspects, can help you take an informed decision on the no guarantor loans. When you already know what to expect and what not to expect from a loan, handling financial anxieties become easy. In addition, it is good to stay financially literate, as it assists you in securing a better future.

You Get – Freedom to avail funds on your own affordability

It is quite difficult to compromise with your self-respect and request people to be your guarantor. They ask you countless questions about your financial situations that you never wanted to discuss with anyone. At last, if they find any weakness in your finances, they end the conversation by saying NO. Fine, no problem! But, if you know that they may do gossip on your situation, then? Oh! It hurts. With no guarantor loans, you can borrow money on your own affordability without wasting any time in finding a guarantor. Your capacity to repay the loan can be proved by presenting your repayment capacity.

You Do Not Get – Lower rates

A very obvious thing to happen. When you are not providing any guarantee for your repayments, then how the lender will compensate the risk of lending? Yes, it charges high rates, which makes you pay big monthly instalments. This is how the loan provider tries to get back the money with every monthly instalment. However some loan companies provide customisation, but more or less rates remain higher than the secured or guaranteed funding options.

You Get – Loans despite bad credits

Nowadays, new age lending is making its place in the finance industry. Unlike the mainstream lenders, online lenders offer bad credit loans without any guarantor. It is unusual but helpful for those who are struggling with the tough times of bad credits. Several online finance companies provide no credit check service through bad credit loans with no guarantor and no credit check. This saves the credit records from search footprints of credit check.

Remember, you can get funds with bad credits but not with the worst credit scores. 561-720 are bad credits and 0-560 are very bad or worst credits. If you are on the latter side, loan options are rare for you.

You Do Not Get – Big amount

Availing funds without any stress of fulfilling guarantor obligation is a relief, but this may not work if you need huge funds. Obligation-free loan products allow borrowing of small amount only. In case you want huge funds, you need to apply for some secured or guaranteed loans. These loans are also available for the bad credit borrowers. The interest rates are low and monthly instalments are small. This is not possible in the case of loans for bad credit with no guarantor.

After reading the above points, you can understand where these loans can help you and where they cannot. Next time when you plan to apply for the loans, making a final decision will be easier because you know both the sides of a coin.

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