Category Archives: Coaching

Bus & Coach Finance Australia

Buying a bus or coach can be incredibly costly, especially for the average person, a small business or a school. In many cases, financing is needed to make the purchase. Banks and other mainstream lenders normally offer different types of financing products, such as asset finance, car finance and equipment finance. However, very few of them offer bus & coach finance Australia. To ensure that you find the best financing product in your city, you should consider the following factors:

i) Interest Rates

The interest rate quoted by a company is a key factor to consider. The interest you pay is the cost of borrowing. Since you don’t want to pay a lot of money for the loan, you should take your time to search for financial institutions offering these loans and compare their interest rates. Since you will need time to repay the loan, you should consider asking for a fixed rate loan because your loan payments will not fluctuate over time.

ii) Deposit Required

The amount of money required as down payment for the loan should also be checked. This is because you may not have a lot of money to pay as deposit. Some firms normally ask for a 20% deposit before approving applications. Since buses and coaches normally cost tens of thousands, and at times hundreds of thousands of dollars, you may not be able to come up with such a huge deposit. For this reason, you should check the deposit required by different lenders to ensure you can afford the deposit.

iii) Loan Terms and Conditions

You do not want to be forced to clear the loan in a year or two because the monthly payments can be financially crippling. For this reason, you should choose a lender offering a long repayment period, preferably 3-6 years. There should also be provisions for refinancing the loan as well as renegotiating the monthly payments. Lenders offering flexible terms and conditions should always be given priority consideration.

iv) Industry Experience of the Lender

Asking for financing from a lender with little experience in the industry is never recommended because they may offer terms and conditions that are not suitable for you. To ensure you get the best financing product, you should choose to work with a financial institution with a lot of experience in the industry. Ideally, you should search for lending institutions offering bus and coach financing specifically as they are likely to understand industry challenges. This means they are able to provide you with the best financing product for your needs. That said, you should not be in a hurry to make a decision.

Choosing A Lifestyle Coach

You can’t dispute the value of a good lifestyle coach. Great leaders and role models have known this for centuries, and that’s why they surround themselves with advisers. Today, many people from all walks of life enlist the help of lifestyle coaches to help them move a step closer towards achieving their goals. There are numerous benefits to be accrued from working with a lifestyle coach, but the results are highly dependent on the person you pick and how you approach the process.

Identify the Purpose

Before starting your search for potential candidates, be sure to identify what you want to achieve. Lifestyle coaching is a very broad area of expertise, and it must be approached with a specific goal in mind. It’s critical to know exactly why you want to hire a life coach. Whether you want to improve your finances or have a better balance of your home and work life, you are better placed to hire the right person if you know what you’re looking for. Moreover, some life coaches are general practitioners while others are specialists in certain areas of a person’s life.

Credentials and Experience

Be sure that the person you’re considering is a professional. Check their formal certifications and psychological training. Even more critical is the coach’s level of experience and track record. It’s best to work with someone with specialized education and experience.

Interviews

The chemistry between you and your coach is a critical success factor in your professional relationship. You must be able to confide and trust in your life coach. When vetting potential candidates, be sure to check how comfortable you feel around each coach. Beliefs, values, personality styles and coaching styles all come into play when looking for the ideal candidate. Many good coaches can make clients open up and feel at ease, but the more comfortable you are, the higher the chances of a productive relationship.

Measurement of Success

The purpose of hiring a lifestyle coach is to progress in the right direction. Therefore, it makes sense to have a critical evaluation system that discusses how the success of the service is going to be measured and progress is going to be tracked. A good coach will provide a concrete system for the evaluation of progress.

Mindset

For lifestyle coaching to work, one must have a real desire to learn and be motivated to make necessary adjustments to his/her life. Part of the process involves constructive criticism, and it’s only a dedicated individual who will be receptive and willing to make changes without taking offense.