Post about "Finance"

Buying a Second Hand Car With Finance – It’s the Norm

In one sense, buying a second hand car with finance is not only the norm but also the only way to do it, unless you have a nice wad of cash stashed away somewhere!Of course, you could go into your local dealers and try to buy a car with the vegetable produce out of your garden or by swapping some of your spare clothes for it. Good luck if you succeed! Sadly though, car salespeople are notoriously unimaginative and may tediously insist on you paying for the vehicle with something they recognise as finance – i.e. money.This isn’t just an attempt to get a cheap laugh by playing with words and there is a key message here. You can only buy a car (usually!) by doing something that involves putting money into the seller’s bank account. They won’t care two hoots where it came from, but you may need to unless you’re fond of wasting piles of your cash.That’s because, wherever that money comes from, it is ‘finance’. If you pay by cash, you’re financing the purchase yourself. This involves cost to you because the money spent on the car could be put to other uses and possibly in turn generate income for you, even if only in account interest.If you borrow the money from someone else (and excluding the relatively small number of cases where people have a rich relation who will lend money for nothing), then you’re going to have to pay for that loan.The cost of that borrowing is usually called ‘the interest’ although you may also face some administration and servicing charges as well.The good news is that you may not be reduced to begging from relatives you haven’t seen for the past 10 years because there are many institutions around that may be prepared to offer you a loan – in other words help with buying a second hand car with finance. These may include people such as the dealerships, car manufacturers, banks and finance companies etc. You may also be able to use plastic if your credit limit is high enough.The less than good news is that the cost of this borrowing and the ease of obtaining it, can both vary hugely. There are a large number of factors that can affect this and they’re far too numerous to outline here, but your cost of borrowing could be far higher than necessary if you choose the wrong loan.So a key question is “how does one find the best deals”?Well, it may be a simple question but there’s no simple answer. It all depends upon those factors mentioned above and every case is different. Looking at a specific car purchase requirement, the individual’s position and what the best options are in the market, is not easy.That’s why it may be advisable to consult the specialists and seek expert advice.There are specialist car finance websites that have a wide variety of advice, guidance and information. They can often identify where the best deals are to fit your particular circumstances.So if you’re reluctantly resigned to buying a second hand car with finance as opposed to barter or just your winning smile, checking out the specialist sites for deals and help may not be a bad idea.

Brainstorming The Ideas for Influencing Your Mobile App Audience

Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.

According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.

If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:

Step1. Finding Your App in Appstore

For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.

What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.

Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:

1. Users are informed, and they know what they are search

2. Users are exploring possibilities, have no precise information in mind.

If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.

Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.

If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.

Step 2. Installation

Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:

1. Keep the application file size small.

If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.

Step 3. Onboarding

After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.

Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.

Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.

Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.

Step 4. Purpose and UI
Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:

1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.

2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.

3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.

If you need more help with the user-interface and innovative ideas for a mobile app, write to me [email protected] and I promise to get back to you with interesting mobile app designs.