Because a personal loan is so easy to get, most people do not stop to think whether they should really be taking them, and as a result, they often end up in a financial mess... (more)
Because a personal loan is so easy to get, most people do not stop to think whether they should really be taking them, and as a result, they often end up in a financial mess that’s worse than before. Just because there is no restriction on what you can use the money obtained through a personal loan, it does not mean that you should go ahead and apply for one every time you have a fund mismatch. It is really important to consider the advantages and disadvantages of the loans before you make an application.
What Uses Are Considered Good For a Personal Loan?
A personal loan should be taken as a result of careful consideration and the proceeds should be used responsibly and with abundant caution. A personal loan makes sense if you use it to better your circumstances – likely uses could be to pay for education, home improvement, and unexpected medical treatment or for consolidating debt. Generally, financial experts agree that a loan that is likely to increase your earning potential or that which allows you to buy an asset that appreciates over time should be taken as long as you can afford them.
If you have accumulated a lot of credit card debt, it is invariably better to take a personal loan and pay off the high-interest rate credit card debt and save on the interest expense. Another benefit of a debt consolidation loan is that you are left with only one debt to monitor and need to make only a single payment every month. Also, you can restructure the loan so that the monthly payment is more affordable and you do not have to miss out on the payments due to lack of money.
Personal Loan Uses That Are Not Advisable
Even though the lender will not impose any restrictions on the use of personal loans, it is highly recommended that the loan should not be used for lifestyle expenses such as fashion apparel and accessories, weddings, parties and entertainment and to buy consumer goods. There is very little utility of these spends apart from a momentary enjoyment but the aftereffects of taking the personal loan can last for years and make your financial situation stressful. By taking on debt you end up compromising your financial future as you cannot invest adequately for your savings or retirement. If you have a problem of excessive spending, it is better that you try and alter your habits rather than take on another debt that will add to your woes within a short time.
The rate of interest that you will be paying is perhaps the most important consideration in taking out a personal loan. Since the loan is usually unsecured, the rate of interest is higher; however, when compared to the really steep APRs of credit cards, they are reasonable. The interest rate also depends on the amount, the period and your credit history and score. The best combination that you should aim for is a low-interest rate and a short repayment term because this will permit you to keep your interest expense to the minimum.
The fees that are charged by lenders can alter the cost of the loan dramatically. Many lenders charge an origination fee that can be as high is 10% of the value of the loan amount. If the lender charges any sort of fees, you should ignore the interest rate quoted by them and consider only the APR when comparing the various offers of different lenders.
When you are in a tight financial condition, it is very important that you automatically do not reach out for your credit card or make a personal loan application. Think whether the need for the money is really that vital and whether it can be avoided or deferred. Also, make sure that you keep the interest level down to a minimum by opting for a low APR loan and by keeping the loan tenor to the minimum.
Author bio: Nina Adams is a senior sales consultant working in a leading private lender extending personal loans. An experienced professional, Nina always makes it a point to understand what the requirements of the customer are before recommending a viable course of action. A passionate blogger, she writes extensively on personal finance issues. (less)
The use of this business phone number will potentially increase the throughput of an organization. The companies and the enterprises use this numbers for their... (more)
The use of this business phone number will potentially increase the throughput of an organization. The companies and the enterprises use this numbers for their communication process. By using this business number, the particular company will get customers from any part of the world. Also, they can able to provide the services to their customer to any part.
In the same way, users don’t have to worry about attending and answering the incoming calls. The users can attend the call and answer incoming calls from anywhere they are. The users can enjoy their communication at minimum amount of cost with this business number. (less)
Packaging is important for life. Let me just take a simple example. You made a special dish for your friend who is expecting a baby. You know that pregnant mothers do have cravings for... (more)
Packaging is important for life. Let me just take a simple example. You made a special dish for your friend who is expecting a baby. You know that pregnant mothers do have cravings for different food. And food is one of the best ways to make them happy and joyful. When a dish is prepared for such a special person, you cannot just it away like you offer for a normal person. That needs to be wrapped fresh and well in safety container. She not only enjoys your meal but your hidden care which was also wrapped inside this cute little meal.
Image source: gemcitybusiness.com
Packaging is important for the world of business too. A city like Melbourne meets lot of people day in and day out. Simply every single day become a hard day in this city where you can see plentiful of busy heads are rushing here and there all over the place.
In such a city, running a business is not a simple task. Most of the people prefer quality servings and products. They don’t come to you unless you do it right and for proper manner. Therefore, maintaining a business in such a city is always challenging. But presenting things, presenting what you have in an appealing manner is really vital in this city. Just like you are offering free meal to your friend, you need to make sure you follow the same thumb rule over here as well. In here it is bit different. You are running a business, and that is also in a classy and an extremely busy city.
People won’t walk in to your store unless you fulfill their requirements according to correct manner. Whenever you walk in to a store in Melbourne you will notice one thing in common. Boxes Melbourne go together, even if it is just a small bakery, or a boutique shop, food cart in the street, a luxury and a classy shopping mall, all these shopping places are equipped with suitable packaging to offer their customers along with their products.
If you are running a business in a busy city, you need to make sure you follow the trend and right procedure in doing things. More or over, if you use products which are hard to dispose and not ecofriendly customers won’t give a look at your store too. This is a city where ecofriendly solutions are encouraged and welcome in the businesses.
That is why you need to make your business adjusted to address such unique and really identical requirements of customers to make them happy and come and visit you tomorrow as well.
Creating a customer friendly environment within your store is also equally important just as careful packaging. Therefore, make sure you recruit right people and train them to welcome and serve your customers with great care. A city like Melbourne already equipped with powerful free marketing weapons and solutions. Therefore, creating publicity and become famous in such a classy city is not a hard thing if you follow the right process. (less)
A new study conducted by Wonga.co.za has re-confirmed that South African financial literacy is worryingly low, with a dramatic (more)
A new study conducted by Wonga.co.za has re-confirmed that South African financial literacy is worryingly low, with a dramatic 77% of the 18,000 individuals polled claiming that they never checked for fees and interest rates when making credit applications.
The Wonga survey, conducted in May 2015, is a worrying underscoring of data from 2014 which emerged in January this year, revealing that South Africans were the biggest personal borrowers in the world in 2014, with R1.63 trillion in debts to financial institutions and 86% of South African's making use of some form of credit between 2013-2014. Of these millions of people, over 11 million were described as “over indebted” (sky-rocketing from just 5 million individuals in 2013), signalling that a significant number of South African borrowers are seriously at risk of plummeting into dangerous debt spirals.
A real lack of financial awareness is almost certainly a significant factor in South Africa's personal debt problem. While inequality and one of the largest wage gaps in the world are indisputable players, the rate at which individuals in the country find themselves taking on credit they cannot afford (and then further credit to service pre-existing debts) must be at least partially attributed to a lack of knowledge about financial products and how best to manage ones' personal finances.
In Wonga's survey it was revealed that only 43% of respondents knew what a credit report was. While 77% failed to check interest rates and fees on credit products, 32% admitted that they did not save any money whatsoever on a monthly basis. In some cases, unemployment and low wages make it impossible to save – but in others a wider lack of financial understanding plays an unignorable factor. If we can't tackle the underlying causes of poverty any time soon – surely we can begin to make dents in low standards of financial education?
This is an issue which Ingrid Goodspeed, chief director of financial sector development at the National Treasury, spoke out on back in 2014, when she spoke to The Guardian about the increasingly pressing issue of boosting financial education in South Africa:
"[Without financial education] consumers are unable to evaluate the appropriateness of financial products in relation to personal circumstances; they are exposed to predatory lending, pyramid schemes, financial scams and high penalty fees. And they have high levels of debt and low levels of savings."
The Treasury has long been aware of this urgent need for financial education. As far back as 2012, they implemented a number of initiatives designed to help consumers become more money conscious and to promote better financial literacy, particularly among the black African demographic aged 16-29. Financial service providers were ordered to kick in 0.4% of their post-tax profits to fun consumer financial education, while a national consumer financial education strategy was also launched, aiming to embed financial literacy in the national curriculum by 2017.
But even these initiatives feel like a drop in the ocean, which is why a number of NGOs have also begun working to boost financial understanding. Teach the Children to Save is funded by Banking Association South Africa, while Operation Hope strives to teach “financial dignity” to those who need more information to make better financial decisions.
Is it enough? 2017 is just a few weeks away and, if Wonga's statistics are anything to go by, decent headway still seems to be a long way off. (less)
Finding jobs can be a bit easier for you get hold of these recruitment agencies. They usually pop up with plenty of vacancies that desire the best out of the lot. They have a good hold... (more)
Finding jobs can be a bit easier for you get hold of these recruitment agencies. They usually pop up with plenty of vacancies that desire the best out of the lot. They have a good hold over the companies that are in urgent need of qualitative employees in various sectors. The employment agencies, in turn, focus on dragging out the people who have got all the requisite qualifications and therefore introduce them to these companies. They also uplift the skills of the aspirers and make them acknowledged with the ways through which one can impart the entire focus on the interview and the several other procedures that follow the recruitment process. The NB group is recognised as a professional recruiting agency that has also created a website and one can easily look up to avail their terms and profits onto groupnb.ca in order to follow the further details. The recruitment agency usually provides all kinds of services as specified by the clients and they also target to fulfil the approaches as mentioned by both of their clients.
These clients are included from several business firms, organisations and company as well as the individuals or rather the candidates who are seeking for the jobs. They influence the relation of either of the parties by providing a professional candidate to the employer and giving a dream job to that of the aspirant. The group NB has always stood up to be the leader in providing different sorts of recruitment services and have made a specialisation in dealing all kinds of recruitment policies. The highly skilled employees are consequently paired with the employers who are in demand of getting qualified professional workers who can manage the tasks in a more extensive manner.
The team has a very simplistic orientation of approach and they usually focus in providing several kinds of specific job posts as well as the detailed offerings of the positions so that the employer, as well as the employee, can match the right fit in accordance with their limitations. However, this definitely helps both the linkers to cut down the extra devotion of time and thus can deliver that extra lot in some other jobs like that of delivering the maximum amount of time in the process of hiring. This also makes the hiring procedure faster and efficiency is added to the task.
The different levels of industry entail different specialisations in terms of their recruitment procedures that include postings for operations like that of the general workers, warehouse clerks, forklift operators, technicians, managers, supervisors and much more. They also provide options that deliberately focus on providing services in the field of cleaning and property management. They offer services that are absolutely customizable and thus they would assist you in creating your personal management programs by starting with the available recruitment divisions and learning more about the different services from the respective information bulletins. (less)
If you go through the thousands of articles available online, many will tell you that you should start planning for your retirement from your early 20s. This is the time when most... (more)
If you go through the thousands of articles available online, many will tell you that you should start planning for your retirement from your early 20s. This is the time when most people are heading in for their first jobs and are thinking about what they want to do and the kind of careers that they want. You will read about superannuation solutions as well as numerous other retirement savings programs that you can sign up for. After all, with so many articles and people telling you what to do and what you shouldn’t do, it’s easy to get confused. The bottom line is quite simple though: it’s virtually impossible for someone to plan for his or her retirement and then stick to that plan from such a young age.
Retirement is a major change from your daily life and it’s obviously going to hit you very hard. Ideally, you should start thinking about your retirement by the time you turn 45. If you consider 60 as the age at which most people retire, then planning fifteen years in advance is quite doable. However, there are certain things that you need to keep in mind when it comes to planning for a retirement. As you near the age of 60, you will feel yourself getting more and more anxious. Here are some important tips on how to handle retirement and transition into the next stage of your life.
Plan on What You Are Going to Do
Most people who are about to retire will tell you that they are just going to sit back and enjoy their lives when they retire. Unfortunately, all that glitters is not gold. While this may seem like an excellent option in the beginning, it won’t be long before you find yourself getting bored by just sitting around, watching movies, and talking to people. You need to have a clear plan in mind about what you are going to do by the time you retire. You can check up on any projects that you have been putting off for quite a while and even think about starting your own business. Of course, that’s a big ask at the age of 60, but if you are up for it, why not? You can also check out websites such as www.retireaustralia.com.au in order to find more information about different things that you can do after you retire.
Meet Up with Other Retirees
One of the best ways to transition into your retirement life with as few hiccups as possible is to meet up with other retirees. Meeting up with other likeminded people who are going through the same phase as you can save you from a great deal of trouble and also make it easy for you to adjust. There are numerous groups throughout Australia that often meet up to discuss retirement life and discuss their lives. You could make friends with these people and discuss your options with them. It could open up a whole new world for you and make it quite easy for you to settle in. (less)
Women in their youth usually go overboard just to look chic and fashionable. In order to stay updated young women would go out of the way to buy designer creations and branded apparel.... (more)
Women in their youth usually go overboard just to look chic and fashionable. In order to stay updated young women would go out of the way to buy designer creations and branded apparel. They would indulge in overspending and often run into debts just in an effort to stay in tune with the ever-changing fashion scenario. But ironically, mostly these women when they become mothers are so busy devoting their time, energy and efforts into taking care of the kids, family and the entire household that they often stop making time for themselves. You would often notice a dramatic change in their attitude, looks, and overall mentality.
Fashion consultants and grooming experts advise that even if you need to follow a hectic schedule, it is essential to dedicate some time to yourself not only to stay abreast of the fashion trends for moms but also because if you look good, you are certain to feel great. It is important to perk yourself up with the following fashion tips that are just right for the busy working moms.
It is Important to Give yourself a ‘Me’ Time
In order to look charming and confident, it is essential to feel good and brim with confidence. It is understandable that motherhood implies added responsibilities, physical exhaustion, and mental or emotional stress but despite that you need to take out some time to dedicate exclusively to yourself. It is important to pamper yourself at times and counterbalance the pressures associated with everyday living. Irrespective of how hectic your schedule is in the office or how busy you are with the household and your family, it is necessary to take out a ‘me time’ without fail, every week.
You must get someone to look after your children for some time. You could read some gossip magazines while enjoying a bubble bath or you could simply relax and watch your favorite show on TV. You could even consider visiting the salon for a quick beauty treatment, a replenishing facial, a professional manicure or a relaxing foot massage.
Some Simple Fashion Tips for the Busy Working Mom
Buy a Smart Multi-Purpose Black Jacket
Buy a nice black jacket that could be teamed with red pants on some days or with white trousers on some other days or with a black pencil skirt and white collared shirt. Buy clothes that could be accessorized well and could be used to team up many other items of clothing. Buy only a few good outfits, instead, of indulging in mindless shopping. You need to learn the art of mixing and matching to get the desired chic and sophisticated look without spending too much. If you are still reeling under the impact of never-ending debt, you must spend carefully and go through the debt settlement reviews thoroughly for a better perspective.
Invest in Clothes that Require No Ironing
Working moms typically have a shortage of time. So, it is a good idea to buy clothes that need absolutely no ironing.
Step Out in Style Wearing Matching Shoes
You must wear the right shoes that complement your outfit and your personality. Most importantly wear comfortable shoes. Remember you could make heads turn in a simple dress if you are wearing a fashionable pair of shoes that look great with the outfit. You must invest in a few pairs of fashionable shoes that could give a new dimension to your outfits.
Buy Smart Accessories
Wear the right accessories to work. Buy fancy bracelets and necklaces that would help in jazzing up any ensemble. You could still look amazing and really different in the same black jacket that you had worn last week, thanks to the eye-catching accessories.
Wear Comfy Shirtdresses
Shirt dresses could look nice and cool. Shirt dresses are easy to wear, simple and flatter all types of figures. You could look chic in a shirtdress in vibrant colors and attractive designs. A smart shirtdress could be teamed with fashionable ballet flats and worn from the grocery store to the PTA meeting.
Stay fashionable even though you are a mom now. Motherhood is not the end of the road for you. You could be a wonderful mother and yet look glamorous and steal the show wherever you go. Maintain healthy lustrous hair and go for hairstyles that are simple but gorgeous. Use natural makeup. Do not forget the lip gloss and the mascara for the stunning mom look!
Author Bio: Mark Burns is a blogger and a retired advisor with two decades of experience in the private and public finance sector. Of late, he has taken to putting his expertise to good use by writing debt settlement reviews and articles about wealth management, budgeting and the like on his blog. (less)
Credit cards have an uncanny appeal to buyers due to its ability to camouflage the burden of debt. No debt would appear big enough to frighten you because you have the comfort of paying... (more)
Credit cards have an uncanny appeal to buyers due to its ability to camouflage the burden of debt. No debt would appear big enough to frighten you because you have the comfort of paying it in small parts every month. Perhaps, this is where the real threat is hidden. You tend to forget being mindful about the quantum of debts. This leads to a condition when debts can keep mounting and limit your buying ability as every card has a credit limit attached to it. However, this should not deter you from more buying because you can use several credit cards that you may have. By using multiple credit cards, you can increase you buying capacity manifold.
Get what you desire
Gone are the days when the adage “cut your coat according to your cloth” used to be the guiding spirit for decent living. In today’s context, you can desire to have the coat of your choice without being concerned about how to get funds for it because you have credit cards with you. This is one of the prime reasons why we are seeing a boom in the retail industry particularly in the fashion segment. There are innumerable stores coming up to meet the demands of the fashion seeker.
Fashion consciousness is on the rise
What has been described above is a typical attitude of a fashion freak who simply does not get satisfied with buying. More and more people are now attracted by fashion and the trend of more spending on fashion and lifestyle keeps growing. Even the average Joe is now conscious about what could make him look dapper and attractive. The facility of getting money almost at the drop of a hat can drive you towards uncontrolled buying. You start dealing with many creditors who oblige with ready money to satiate your desires for style and fashion. With multiple debts running concurrently, you have to be careful to ensure that every creditor is paid back as per schedule every month.
Loans have to be paid back on time. Extended loans would weigh heavily due to additional interest that you pay. Managing loans efficiently is also critical to ensure that you have a good credit history that qualifies you for more loans in future. Therefore, if you want to maintain the same lifestyle through the future, you have to service your loan accounts properly so that you do not falter. It needs a lot of care and attention to monitor loan accounts and when there are many creditors involved the task can become quite daunting.
Relief through consolidation
To keep loans within manageable limits and get relief from multiple debts, replace multiple loans with a single loan. It is a sort of re-financing arrangement but more precisely known as debt consolidation. You take a loan at lower interest and pay back all other loans so that there is only one creditor to deal with.
This arrangement gives you the opportunity to recoup your finances and maintain a clean record for debt management to support your lifestyle.
About the author – Howard Cook is a social scientist engaged in studying behavioral changes of consumers. He uses his vast experience to educate people in managing their lifestyle in a better way. He is valued for his tips on better finance management that affects lifestyle. A pet lover who is also attracted by nature, he spends time in photography which is his hobby. (less)
Dressing well does not require a huge budget or impressive bank account. Everyone can look stylish and fashionable with a good sense of style, eye for detail and some knowledge about... (more)
Dressing well does not require a huge budget or impressive bank account. Everyone can look stylish and fashionable with a good sense of style, eye for detail and some knowledge about fashion.Being aware of the basic rules of fashion can make it easier for you to shop and dress affordably.
Bargain shopping is a skill that is worth developing. This will enable you to fill your wardrobe with clothes and accessories that reflect your style and personality. There are different ways to accomplish the goal of shopping on a tight budget and experimenting with various methods will help you to determine the best way to shop.
Affordable Stores and Sales
• Discount and affordable stores are good solutions for people who want to shop for quality clothing at reasonable prices. They provide a wide variety of trendy clothes and you can visit them regularly to check on their new arrivals.
• Thrift stores are also popular ways for people to save money while shopping for fashionable items. Thrift shopping can be an interesting experience that gives you the chance to fund unique and stylish pieces. It enables you to find clothes from different eras and vintage pieces that you can add to your collection.
• When you go to a clothing store, keep a keen eye on the sales rack. Many stores have sales each year as well as one or more sales racks that are strategically placed.
Shopping online is one of the best ways to find specific items within your budget. There are numerous websites that offer clothing at discount rates as well as sale sections for budget-conscious shoppers. Compare prices between sites as well as the items that are being sold at different stores online. Read the reviews of top consolidation debt companies here.
Debt Consolidation- Simplifying your Finances
One of the keys to consolidating your debts successfully is to avoid taking on new debt. It is important to focus on eliminating existing debt and regaining control of your finances. Many people have several debts that are hard to manage. You may be charged various interest rates on each debt along with the challenge of owing varying amounts on these debts.
Such factors can make it difficult for you to become debt free within a reasonable amount of time. One of the solutions is to convert the debts into a single debt through debt consolidation. This is a loan that will enable you to make a single payment each month. It is easier to make one payment rather than several different debt payments. Dealing with a particular creditor is also easier than numerous lenders.
Having a clear understanding of how much is to be debited makes the process of working out a budget simpler. Knowing when you will be free from debt gives you a goal to aspire to instead of dealing with the anxiety of being weighed down by debt for the rest of your life.
Debt consolidation loans with lower rates of interest will simplify your finances. You also have the option of spreading your repayments and a longer time will help to cut down the payments that you make every month. (less)
Moving to Australia is an exciting step which thousands of people from around the globe take every year. With great weather, friendly people and fantastic employment opportunities, this... (more)
Moving to Australia is an exciting step which thousands of people from around the globe take every year. With great weather, friendly people and fantastic employment opportunities, this is one of the best places in the world to call home. There are several things that you need to carefully consider before moving here. Read this helpful guide in order to learn more. Hopefully, you feel more confident about migrating here once you have read the article.
Getting The Proper Visa
There are dozens of different visas available in Australia. Whether you want to work, study or retire here, it is important that you select the right visa which will allow you to be in Australia legally. Each type of visa has different requirements which you will need to meet before you are allowed into the country. For example, a retirement visa will require you to prove that you have a certain amount of money in your bank account and that your pension is enough to cover your cost of living.
You can use a professional migration agent in Sydney to help you with the application process, including the paperwork and ensuring that you meet the requirements. Shop around in order to find a suitable agency.
Finding A Job
There are many different employment opportunities available in Australia, and you will need to choose which one is most suitable for you. Construction, information technology and consulting are just three of the areas in which foreigners can find well-paying jobs. To work for an Australian company you will need to be sponsored to ensure that you are employed legally. Once your sponsorship has been approved, you can move to Australia and start work.
There are dozens of top universities in Australia. According to the rankings, Australian National University in Canberra, the University of Melbourne and the University of Sydney are in the top three at the moment. A degree from a top university in Australia will stand out on anyone’s CV and will make them instantly more employable. You can find universities which have partnerships with employers. They may be able to give you a job once you have finished your studies.
You might think that the whole of Australia is endlessly hot days, with temperatures soaring above 40 degrees every day. Whilst this is true for some parts of the country like Western Australia, other cities are much more varied. For example, Melbourne has a very varied climate where it can be 40 degrees with not a cloud in the sky one day, and 19 degrees with rain the next day. You should do your research on the weather to find a town or city which is most suitable for you.
Depending on where you come from in the world, it can be expensive and time-consuming to fly back home for visits. This could mean that you may only get to see your family once a year or longer. If you struggle with homesickness, then you might want to reconsider living in Australia.
Use this guide when you are considering a move to Australia. (less)
You can often see a girl behind the wheel and therefore men treat women driving a car quite fairly. However, what are the reasons that women began to learn how to drive? Quite simply,... (more)
You can often see a girl behind the wheel and therefore men treat women driving a car quite fairly. However, what are the reasons that women began to learn how to drive? Quite simply, women wanted freedom in their movement while enjoying some comfort and convenience that a car gives, especially a car such as Honda like Accord model. It is not always convenient to wait for your husband so that he could drive you somewhere. If you have a baby, then having a personal vehicle is a must, because a child is constantly in need of something: you might run out of diapers, or you may need to get your child to some language school, or to a kindergarten. But also you need to have time to get to your own work. Moreover, if you have two children, then it goes without saying that a car is like a rescue boat during a shipwreck.
How to choose a car?
Yes, choosing a car is not easy, as there is a huge assortment of cars available. If men know what they want, for women, choosing a car a bit more complicated, but in principle it is possible, because you can always ask your man for advice
Of course, the price is probably one of the most important criterion for many, so you need to buy a car the prices for which would not cost you an arm and a leg, because after buying it, there will be some additional costs for insurance, inspection and so on.
It is best to buy a new car, because used cars may require large investments. Of course, new cars are more expensive, but you can be sure about their impeccable condition.
The purpose of your decision to buy a car can also help in choosing the brand of car, because if you are a housewife, you can choose any brand among the economy class. You may go for say a Chevrolet or KIA. If you are a business woman, then chances are you will opt for such brands as Audi, BMW, Porsche, Honda, which belong to the elite class. If you appreciate reliability and comfort you will consider getting a Toyota.
Of course, a car must be easy to handle because why would you want to complicate your life? Therefore, before purchasing a vehicle, it is necessary to test it and understand if you need it or not. Security is not the last factor that can influence the choice of a woman. The vehicle must be equipped with all the tools that provide security, though in modern cars, it is one of the mandatory items. It is also important to choose if you need any additional features like cruise control or heated seats.
In general, when choosing a car, you should just follow your heart and most likely you will make the right choice. You can also visit Kijiji.ca to get a Nissan Maxima or any other car of your choice online. (less)