Showing posts with label how. Show all posts
Showing posts with label how. Show all posts

HOW TO ADD INSTAGRAM TAB TO FACEBOOK FAN PAGE

Facebook fan page needs interesting tabs to make it more impressive. If you have fan followers who interact with you via images or photos. They want to share some of their thoughts and express their feelings via photos then some platform should be there in your Facebook page which will help your fans do accordingly. 

Then in such cases use of an app called "Instagram Feed app for pages" can be used. This tab when installed on your fan page will give your fans a base to share their feelings via images. 

As you all know that Instagram is an online photo sharing, video sharing and social networking service that enables its users to take images and videos and share to their fellow people. 








To add the Instagram app to your Facebook fan page:

  • Log in to your account
  • Search for "Instagram Feed tab for pages" in Graph search box
  • Select the fan page from the list displayed 
  • Click "Add Instagram Feed Tab"
  • Log in to your Instagram using your user name and password
  • After logging in, you can see the tab inserted in the fan page with its icon. 
  • To edit the settings, click on the pencil at the top of the tabs. 
  • When you click on the arrow, the tabs editing options will open. You can select the tab for editing. Here select the pencil at the top of the "Instagram" tab and click "Edit"
  • Change the tab name and image . 
  • Click "Save" option 
Now you can get the images shared by your fans or you can share some of your important images via Instagram feed app in the fan pages.


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How to Root Galaxy S4 I9500 on Android 4 2 2 XWUBMG5 Jelly Bean Firmware


The Exynos 5 octa-core variant of Samsung Galaxy S4 (GT-I9500) has received a new software update with firmware build number I9500XWUBMG5. The new software update is still based on Android 4.2.2 Jelly Bean version and now available in India, Nepal, Sri Lanka, and Bangladesh.

Samsung Galaxy S4 I9500 users who have already updated their devices with Android 4.2.2 XWUBMG5 Jelly Bean, may root their devices using the tutorial below.

This tutorial uses CF-Auto-Root file released by recognised XDA Developers, Chainfire. The CF-Auto-Root file allowing Galaxy S4 users to root their devices easily without depending on the firmware. It completely supports Android 4.2.2 Jelly Bean and future firmware as well. Head over to the CF-Auto-Root main thread to learn more about the root method.

Disclaimer: Rooting voids the warranty of your device. We and the developer of this rooting procedures shall not be held responsible if any undesirable outcomes may happen to your device. use of this root guide is solely at your own risk!

Pre-requisites
1. Install USB Drivers for Samsung Galaxy S4 on the computer.
2. Enable USB Debugging Mode on the phone by navigating to Settings >> Developer Options.
3. Make a backup of all your important data before following the guide.
4. The Galaxy S4 should be factory unlocked and not locked to any particular carrier.
5. Ensure the battery of the phone is charged more than 80 per cent.
6. The CF-Auto-Root file works only on Samsung Galaxy S4 I9500. Applying this to any incorrect variant might brick the device. Verify the model number of the Galaxy S4 by navigating to Settings >> About Phone.

File Required
1. CF-Auto-Root for Galaxy S4 I9500 (CF-Auto-Root-ja3g-ja3gxx-gti9500.zip)
2. Odin 3.07

Steps to Root Galaxy S4 I9500 Running on Android 4.2.2 XWUBMG5 Jelly Bean Firmware
Step 1: Extract CF-Auto-Root and Odin 3.07 files using winrar/7zip/winzip or any other extracting tool.
Step 2: Switch off the Galaxy S4. Then boot the device into Download Mode by pressing and holding Volume DownHome and Power buttons together until a construction Android robot icon with a warning triangle appears on screen. Now press the Volume Up button to enter Download Mode.
Step 3: Launch Odin on the computer as an Administrator.
Step 4: Connect the Galaxy S4 to the computer using USB cable while it is in the Download Mode. Wait until Odin detects the device. When the device is connected successfully, the ID: COM box will turn blue with the COM port number. Additionally, the successful connected will be indicated by a message saying Added.
Note: If the Added message does not appear, then try re-install USB drivers or changing the port on the computer.
Step 5: In Odin, click the PDA button and select the CF-Auto-Root-ja3g-ja3gxx-gti9500.tar.md5 file.
Step 6: Verify that Auto Reboot and F.Reset Time checkboxes are selected in Odin. Also, ensure the Re-Partition option is not selected.
Step 7: Double-check and click Start in Odin. The installation process will now begin.
Step 8: Once the installation process is completed, your phone will restart and soon you will see a PASS message with green background in the left-most box at the very top of the Odin. You can now unplug the USB cable to disconnect your device from computer.

Samsung Galaxy S4 I9500 running on Android 4.2.2 XWUBMG5 Jelly Bean firmware is now rooted successfully. You can now install any app that requires root permission. Verify the root status of the device by downloading Root Checker app from Google Play Store.

Thanks to all fellas at XDA who first tried out this rooting technique. This method was originally posted via XDA-Developers original thread.


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How to block phone calls on your Android phone


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Keeping in touch with family and friends has become easier and faster — thanks to our Android smartphone. However, not all people who can contact us through our mobile phones are people that we love and cherish; some are spammers, annoying strangers, telemarketers, and other unwanted callers. You don’t need to suffer these unwanted calls. Block them!
In this guide, learn how to block phone calls on your Android phone. You may also skip to our video guide below.

Built-in call blocking features

Most Android phones allow you to block contacts on your phone. The procedure can be unique on your Android phone. It varies from phone to phone.

Voicemail redirection on Nexus 4

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Although not exactly a call blocking feature, the voicemail redirection feature on the Nexus 4 can be used as a call blocker of some sort. To redirect calls to voicemail, just select a contact from the People app, open the Menu, and select All Calls to Voicemail.
Calls from the selected contact will now be directed to your voicemail box. Also, if you don’t have a voicemail subscription or you haven’t setup your voicemail properly, the phone will automatically reject calls from the redirected contacts.

Call barring on Xperia T, HTC One

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On the Xperia T and HTC One, call blocking is known as Call Barring, which can be accessed on either phone’s Call Settings page on the Settings menu. Here you can block all outgoing calls, outgoing international calls, outgoing international roaming, all incoming calls, or incoming international roaming calls from everyone. You will need your barring passcode in order to activate these features.
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On the HTC One, there is another way to block calls — through the Phone app. Just open the menu in the Phone app and select Blocked Contacts. Then, tap the Add button to add a contact to block. You can either add a contact from the People app or manually enter a number to block.

Call rejection on Optimus G

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To block calls on the LG Optimus G, go to Settings > Call > Call Reject. From there you can enable the phone’s feature to reject all calls. You can also create a rejection list that only blocks calls from contacts included on the rejection list.

Reject List on Galaxy S4

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Users of the Samsung Galaxy S4 can take advantage of the phone’s Reject List, which keeps a list of numbers that are blocked.
There are two ways to add a contact onto the Reject List. The easiest way is as follows:
  1. Open the contact’s page.
  2. Tap the Menu button.
  3. Select Add to Reject List.
The steps above will cause all of the selected contact’s numbers to be added to the Reject List. On the Contacts list, blocked numbers are shown with the blue universal “No” symbol.
If you need to block only some of the contact’s numbers, you can unblock the valid numbers through the Auto Reject List menu in the Phone app.
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Another way to block contacts is to manually add numbers to the Reject List, as follows:
  1. Open the Phone app.
  2. Tap Call Settings.
  3. Tap Call Rejection.
  4. Tap Auto Reject List to open the list.
  5. Specify an exact number. You can also add numbers matching a search string that you specify. For example, you can add contact numbers that start or end with the digits that you provide, or includes the digits specified.

Blocking Mode on Galaxy S4

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The Samsung Galaxy S4 also has the Blocking Mode feature, which lets you limit phone calls at certain hours. To enable Blocking Mode, go to Settings. Open the My Device page, tap the Blocking Mode option, and from there turn on the Blocking Mode switch. You can select what features to block. You can disable incoming calls, notifications, alarm and timer, and/or LED indicator.
When blocking calls in this way, all incoming calls will be automatically rejected and you will not hear any ring or feel any vibration when there is an incoming call, but you will see a notification of the missed call. If you want certain contacts to be able to reach you even if Blocking Mode is enabled, specify them in the list of Allowed Contacts.

Third-party apps for blocking phone calls

If your Android phone doesn’t have an inbuilt call blocking feature or if it does but you find it lacking, you can choose one from the many third-party call blocking apps on the Google Play Store. Of particular note are the Mr. Number app, Call Blocker app, and Calls Blacklist app.

Mr. Number

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The Mr. Number app is a free and ads-free Android app that allows you to block unwanted calls and texts on your mobile phone. This app protects your phone from spam, silence selected contacts, or even keep your phone inaccessible by the rest of the world.
Mr. Number also has a Remote Lookup feature that allows you to find information about an unknown caller in the U.S. The first 20 lookups are free and you will be charged about US$1.00 for the next 20 lookups. This app also has a Business Caller ID that provides information about callers using a business line.
Here’s a general idea of how to use Mr. Number:
  1. Download, install, and launch the Mr. Number app. Tap OK to continue.
  2. Verify your country. Select your country with your country code, and type your phone number. Tap OK to continue.
  3. To begin blocking contacts, tap the “No” or prohibition symbol at the upper-right portion of the screen to access the block list.
The Blocklist contains three tabs: Hang Up, Voicemail, and Exceptions.
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When a contact listed on the Hang Up tab tries to call you, your phone will automatically Hang Up the call. Callers listed under Voicemail will have their calls redirected to the voicemail box. You can add numbers to the Hang Up and/or Voicemail tabs in various ways:
  1. Suspected spam
  2. All private/blocked numbers
  3. Choose from recent calls or texts
  4. Enter a number
  5. Choose from contacts
  6. All numbers not in contacts
  7. All numbers beginning with…
  8. All numbers in contacts
  9. All numbers
The Exceptions tab lists contacts that will not be blocked or redirected. So, if you want to keep in touch with your family and friends while keeping the strangers and spammers at bay, register your family and friends’ contact numbers under the Exceptions tab.
You can also block contacts right from the app’s main screen. Under the Recent tab, which shows the history of received calls and text, tap the Menu button beside each log entry and select Block Number. A popup will appear, asking you whether to block the contact or redirect all the contact’s calls to your voicemail. You can also mark it as a spam number and add a comment about the blocked contact number.
A notification will appear every time the app intercepts a blocked contact. The history of blocked contacts will be displayed under the Blocked History tab on the app’s main screen.

Call Blocker

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Another handy call blocker app that you’d want to try is the free and ad-supported Call Blocker app. If you subscribe to the paid and ad-free version, you can enjoy premium features, including the Private Space feature that securely stores private SMS messages and call logs.
Here’s a general idea of how to use Call Blocker:
  1. Download, install, and launch the Call Blocker app. Tap Agree to continue.
  2. On the app’s main menu, tap the Blocked Calls button.
  3. Tap the add button (represented by an icon of paper with check and X marks)
  4. The Blacklist and Whitelist tabs will be displayed on the screen. Tap Add Number to add a contact. You can add a number via your contacts, call log, or SMS log, or you can type the number directly. Contacts listed on the Blacklist tab will be blocked (of course!) while contacts on the Whitelist tab will be exempted.

Calls Blacklist

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Last but not the least on our list is the free and ad-supported Calls Blacklist, a very simple app for keeping a list of contacts that you don’t want to allow to contact your phone. An ad-free premium version is also available for about US$3.00.
To block calls with Calls Blacklist, just launch the app and add a contact number to the Blacklist tab. You can add a number via your Contacts, call logs, or messages log, or add numbers manually. And, that’s it! Contacts saved under Blacklist won’t be able to call your Android phone anymore.


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How to Unbrick Samsung Android Phones with One Click UnBrick


Normally Samsung android phones are so secure to flash. But you are unlucky and got your phone bricked during flashing, rooting or upgrading.

Here is a good news for You – A developer come up with a software called One-Click UnBrick for Samsung android phones. This small utility uses Odin to repair our Samsung phones. Almost all Samsung phones with android éclair and above can be repair with this tool (few exceptions – it is working on some Android 1.5 too)


Requirements
  • Install Samsung USB Driver for Mobile Phones  on the computer.
  • Install Java Runtime Environment (JRE) on the computer.
  • Download One-Click UnBrick tool.

Complete Step-By-Step Instructions:
  1. Extract the "One-Click.jar" file using 7zip or any other extracting tool. Now you will get a "OneClick" folder.
  2. Copy the "OneClick.jar" file and paste it into the "OneClickheimdalloneclick esourcesHeimdallPackage" folder.
  3. Right-click on the "oneclickloader.exe" file and choose "Run as Administrator".
  4. Proceed with the installation of Heimdall.
  5. After the installation is complete, you will see the the One-Click UnBrick interface.
  6. Connect the phone to computer via USB and click on the "unsoft brick" button to recover your bricked Samsung android phone.
This method was originally posted via XDA-Developer original thread.


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How to Root Galaxy S3 I9300 on Android 4 3 Jelly Bean Firmware


The International version of Samsung Galaxy S3 with model number GT-I9300 has received Android 4.3 Jelly Bean update firmware. The new official firmware is currently available as an Over-The-Air (OTA) update as well as through Samsung KIES.

Samsung Galaxy S3 I9300 users who have already updated their devices with Android 4.3 Jelly Bean, may root their devices using the tutorial below.

This tutorial uses CF-Auto-Root file released by Elite Recognized XDA Developers, Chainfire. The CF-Auto-Root file allowing Galaxy S3 users to root their devices easily without depending on the firmware. It completely supports Android 4.3 Jelly Bean and future firmware as well. Head over to the CF-Auto-Root main thread to learn more about the root method.

Disclaimer: Rooting voids the warranty of your device. We and the developer of this rooting procedures shall not be held responsible if any undesirable outcomes may happen to your device. use of this root guide is solely at your own risk!

Pre-requisites
1. Install USB Drivers for Samsung Galaxy S3 on the computer.
2. Enable USB Debugging Mode on the phone by navigating to Settings >> Developer Options.
3. Make a backup of all your important data before following the guide.
4. The Galaxy S3 should be factory unlocked and not locked to any particular carrier.
5. Ensure the battery of the phone is charged more than 80 percent.
6. The CF-Auto-Root file works only on the international version of Samsung Galaxy S3 (GT-I9300). Applying this to any incorrect variant might brick the device. Verify the model number of the Galaxy S3 by navigating to Settings >> About Phone.

File Required
1. CF-Auto-Root for Galaxy S3 I9300 (CF-Auto-Root-m0-m0xx-gti9300.zip)
2. Odin 3.07

Steps to Root Galaxy S3 I9300 Running on Android 4.3 Jelly Bean Firmware
Step 1: Extract CF-Auto-Root and Odin 3.07 files using winrar/7zip/winzip or any other extracting tool.
Step 2: Switch off the Galaxy S3. Then boot the device into Download Mode by pressing and holding Volume Down, Home and Power buttons together until a construction Android robot icon with a warning triangle appears on screen. Now press the Volume Up button to enter Download Mode.
Step 3: Launch Odin on the computer as an Administrator.
Step 4: Connect the Galaxy S3 to the computer using USB cable while it is in the Download Mode. Wait until Odin detects the device. When the device is connected successfully, the ID: COM box will turn to light blue with the COM port number. Additionally, the successful connected will be indicated by a message saying Added.

Note: If the Added message does not appear, then try re-install USB drivers or changing the port on the computer.

Step 5: In Odin, click the PDA button and select the CF-Auto-Root-m0-m0xx-gti9300.tar.md5 file.
Step 6: Verify that Auto Reboot and F. Reset Time checkboxes are selected in Odin. Also, ensure the Re-Partition option is NOT selected.
Step 7: Double-check and click Start in Odin. The installation process will now begin.
Step 8: Once the installation process is completed, your phone will restart and soon you will see a PASS message with green background in the left-most box at the very top of the Odin. You can now unplug the USB cable to disconnect your device from computer.

Samsung Galaxy S3 I9300 running on Android 4.3 Jelly Bean firmware is now rooted successfully. You can now install any app that requires root permission. Verify the root status of the device by downloading Root Checker app from Google Play Store.

Thanks to all fellas at XDA who first tried out this rooting technique. This method was originally posted via XDA-Developers original thread.


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How to uninstall apps on the Galaxy S4


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Galaxy S4 apps, how do I uninstall thee? Let me count the ways.
Android is an app-driven platform. Everything that you can do on your Galaxy S4 you can achieve by running apps. Some apps (especially system apps) come with your phone straight from the factory, others you install from sources such as the Google Play Store. There’s not much that you can do to remove preinstalled system apps, but — just in case you haven’t gotten round to actually doing it first time — you can actually uninstall user apps and recover storage space.
If you think that the only way to uninstall apps on the Galaxy S4 is through the Google Play Store app, then this article holds a few surprises for you. In this article, you’ll learn how to uninstall apps on the Galaxy S4. There are actually several ways to do it.

Using Google Play Store app

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This, of course, is a no-brainer. But, for completeness, let me just include this here. While you can argue that the Uninstall button is hard to miss on a freshly installed app’s page in the Google Play Store app, some people do have the innate ability to overlook that button.
Although not the one and only source, the Google Play Store is the default primary source of apps for most Android users. Its accompanying app allows you to discover and install new apps or remove and uninstall old ones.
App uninstallation via the Play Store app takes only a few steps:
  1. open Play Store app,
  2. tap on Menu,
  3. select My Apps,
  4. tap on name of app to be removed, and
  5. tap the Uninstall button.
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Yup — that easy. Doesn’t take a genius, really.
Take note, however, that if you manually install apps through some other way besides the Play Store, those apps sometimes do not appear on the list in the Play Store app. Such apps can be uninstalled through other means.

Using Application Manager

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Besides the Play Store app, Android’s built-in Application Manager can also be used to uninstall apps. Just open the Settings app, tap on the More tab, and select Application Manager.
In Application Manager, you should be able to see a list of your installed apps, organized into four tabs:
  • Downloaded — Lists all apps that you downloaded to your phone
  • On SD Card — Lists all apps that are installed in your phone’s storage
  • Running — Lists all apps that are active or are running in the background
  • All — Lists all apps, regardless of source or installation location
To remove an app using the Application Manager, just tap the app’s name on the list to open the app’s info page, then tap the Uninstall button. It’s that easy. You may want to tap the Clear Data and Clear Cache buttons first before hitting Uninstall.

Using TouchWiz UI

App Drawer Edit Mode

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If, for some reason, you find the Play Store or Application Manager method a bit long-winded for your app uninstallation pursuits, seek refuge in TouchWiz.
The Samsung TouchWiz interface for the Galaxy S4 comes with a UI-based method for easily uninstalling an app. You can do it in just four steps:
  1. Open the App Drawer.
  2. Tap Menu.
  3. Tap Edit.
  4. Hold down and drag the app’s icon to the Uninstall icon at the top-right.
The foregoing method also lets you remove apps that you manually installed.

Alternate UI method

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An alternate method for easily uninstalling apps from the App Drawer is as follows:
  1. Open the App Drawer.
  2. Tap Menu.
  3. Tap Uninstall.
  4. You’ll see red bars overlayed on the icons of apps that you can uninstall. Just tap on the red bar to uninstall the app.
The foregoing method also lets you remove apps that you manually installed.

Using an app manager app

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Yet another way to remove an app from your Galaxy S4 is through the use of app managers, task managers, or file manager / explorer apps. There are several of such apps on the Google Play Store.
ES File Explorer, for example, has an App Manager component that lets you uninstall, backup, share, or send apps. Most remote device management apps such as AirDroid also have app uninstallation features.

Using ADB

If you’re into command-line interaction with your Galaxy S4, then you’ll probably want to learn some uninstallation tricks using the Android Debug Bridge (ADB). For this method to work, you’ll need a working ADB setup on your computer. Also, ADB must be able to recognize your Galaxy S4 when you run the command adb devices at a terminal.
To uninstall an app via ADB, you must know the app’s package name (which is not necessarily the app’s APK file name). If you don’t know the app’s package name, you can quickly summon a list of the names of installed packages on your phone with the following command:
adb shell pm list packages
Here’s an example output of the command above:
adb-packages-list
Each package name listed is prefixed with package:, but you should be able to easily spot your app’s package name from the list. According to the list, the package name for the Mozilla Firefox app, for example, is org.mozilla.firefox. Once you’ve identified the app’s package name, simply issue the following command:
adb uninstall packagename
where packagename is the app’s package name. So, to uninstall Mozilla Firefox, for example, you’d use the following command:
adb uninstall org.mozilla.firefox
adb-uninstall-command


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How to Use the New Pinterest What Marketers Need to Know 2014


Are you up to date with all of the latest changes on Pinterest?
Pinterest recently made several changes to their site.
They modified some features, added new ones and even got rid of a few.
In this article I’ll share what you need to know about these changes and the impact on your marketing strategies to make sure you continue to generate sales and leads through Pinterest.

How to Switch to the New Look

To get the new look, scroll over your business/profile name on the top right corner of your account. A drop-down menu will appear. On this menu, click on the last option, Switch to the New Look.
Pinterest switch to the new look
Click on Switch to the New Look to get the updated version.
A pop-up will open up asking you if you are “Ready to switch for good?” If you are, click on the red Get It Now button.
Pinterest click to switch to the new look
Click on the red Get It Now button that appears.
Another pop-up message will appear on your screen welcoming you to the new look. Click on the red Okay button and the new look will be set up.
Pinterest welcome to the new look
Accept the changes by clicking on the red Okay button.

What Has Changed: Modifications, New Additions and Removals

Now that you know how to set up the new look, here are the important changes that make it easy for you to use the newly set up site.
1. Larger pins: Pins used to have a width of 600 pixels when enlarged. They are 735 pixels wide now.
Pinterest bigger pins
The pins are bigger in the new look.
2. The Categories section: One of the most obvious changes you will notice is that the Categories section has been moved.
Pinterest old categories section
Categories used to be located in the center at the top.
In the earlier version, the Categories section, along with Everything, Popular, Gifts, etc., was located in the center right, below where it says “Pinterest”.
Pinterest new categories section
The categories section is in the top left corner.
Now it’s on the top left, right next to the search field. Under this menu, you will find the Home Feed, Popular Section, Everything, Gifts and all the other categories. You will also notice that there’s a new Videos section.
3. Comments button removed: In the earlier version, when you hovered over a pin, the Comments button appeared. You could then click on this button and leave comments. This button has been discarded. Now, to leave comments click on the pin and enlarge it, and you’ll see a comments box appear where you can enter your comment.
Pinterest pin it button on pins
Repin images by clicking on the red Pin It button.
You will also note the Repin button has been replaced by the Pin It button. This button does the same job as the Repin button—you can click on it and repin the pin.
4. More options when you expand pins: On the right side of the expanded pins you’ll see more pins from the same board. You’ll also see pins from the same website.
Pinterest expanded pin
You can see the number of pins, repins and the link to the image above the pin.
You will also find a Share button on the top, which makes it easy to share the pin on other social networks. To the right side of the pin you will find other pins from the same board and website.
Pinterest below expanded pin
Below the expanded pin you will find a collection of pins called “People who pinned this also pinned”, which helps you find pins that might interest you.
Below the pin you’ll find a collection of pins made by the same people who pinned the expanded image called “People who pinned this also pinned” section.
Another change to note is that the number of repins and likes has been moved to the top. And the link to the pin can be found under Website. There’s also a Share button that makes it easy for you to share pins on other networks and by email.
5. Settings method changed: Earlier, all of the settings changes could be made under one settings page. But now the settings have been divided into Profile Settings and Account Settings.
Pinterest pencil icon for profile settings
Profile settings can be modified by clicking on the pencil icon.
Profile Settings can be changed by clicking on the pencil icon on your profile page. Here you can edit your name, username, about section (you might need to change this as the character limit has been reduced to 160 characters), location and website.
Pinterest edit account settings
Edit your Account Settings by clicking on Settings on the drop-down menu.
To edit Account Settings, hover your cursor over your profile/business name on the top right corner and click on Settings, which appears on the drop-down menu. Here you can edit email address, password, language, business type, contact name, search privacy, notifications and social networks. You might want to take a close look at notifications as they have made it easy for you to manage the notifications you receive.
6. Analytics: This is probably the best feature introduced in the new Pinterest, especially for businesses, marketers and bloggers. It provides an opportunity to see if your efforts are converting into results.
You can only view your analytics if you’ve verified your website. If you haven’t done it, you should do it now. 
Pinterest click on analytics
View your analytics by clicking on Analytics on the drop-down menu.
After you verify your website, scroll over your profile name on the top right corner and click on Analytics, which appears on the drop-down menu. Here you can see:
Pinterest analytics
You can view your data in the form of easy-to-understand graphs.
1. The number of everyday pins and pinners from your website
2. The number of everyday repins and repinners
3. The total number of times your pins have appeared on the site and the number of times they were seen
4. The number of clicks and website visitors
5. The most recent pins from your site
6. The most repinned and the most-clicked pins
7. You can also download all of this data
For a detailed post on what each term is and how to use them to promote your business, 
Note These Important Changes:
  • You cannot currently like boards on Facebook.
  • The Rearrange Boards button has been removed—you can easily rearrange boards now by simply dragging them around with your cursor.
These are the main changes that have been made to Pinterest. When you’re ready,switch to the new look and make the most of them.
What do you think about the above changes? What changes are you happy and unhappy with? Did I forget to list any of them? Please leave your comments below.


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How to Finance a Car and Get a Car Loan

How to Finance a Car

You found your dream car. Now, you need to pay for it. Most car shoppers need a car loan to buy their next new or used car. Check out the car financing basics covered below to make sure you get the best car loan for your new vehicle.

The Basics of Car Loans

A car loan is a way for you to purchase a new or used vehicle. You borrow money from a lender and pay them back over time, usually with interest. The amount you borrow is called the loan principle. Car loans almost always include interest, which is how lenders make a profit on the money they lend you. The interest rate is a certain percentage of the loan that you must pay back in addition to the loan principle. So, if you borrow $20,000 for a car at a 5 percent interest rate, youre going to end up paying the bank $21,000 over the life of the loan -- thats the principle, plus the interest. You’ll also pay taxes and fees, so make sure you take into account all the expenses associated with owning a car when you sit down to determine your budget. This also includes insurance, fuel, maintenance and repair costs.

The Car Loan Term

The length of the car loan, or loan term, simply refers to the amount of time you have to pay the lender back. If you sign up for a five-year term, in five years youll pay the money back and will own the car free and clear. What the loan term doesnt mean is that five years from now youll have to come up with all of the money. The vast majority of auto loans are repaid in monthly installments. You send the lender a set amount each month and slowly pay off the loan.
Many people think that when you finance a car, the finance company lends you the money and the car is yours. Thats a simple way of looking at it. In reality, however, the lender is buying the car and letting you use it. The lender technically owns the car, though you agree to be responsible for it. In fact, you wont have the title to the car and fully own it until you make your last loan payment. If you don’t make your loan payments, the lender can repossess the car.

Your Credit Score

All interest rates are not created equal. Some people get charged more interest, and some get charged less. Obviously, you want to get charged less. The interest rate lenders charge is based largely on your credit score, which is a number that credit bureaus assign to you based on how much debt you have, how good youve been about paying bills on time, how long you’ve been using credit and your debt to income ratio, which is the amount of debt you have versus how much money you earn. Lenders use the score to assess how likely you are to pay them back. If your score is low, theyll think youre not likely to repay the auto loan and charge you more money to cover that risk.
Young people often have lower credit scores, even if theyve been good about staying out of debt and paying their bills. Thats because young people dont have long credit histories, which makes it difficult for lenders to tell how much of a risk they are. As a result, people without long credit histories can be charged higher interest rates too.
You should know what your credit score is before you apply for a car loan and do your best to make sure its high. For a small fee, you can get it through FICO, which is the most commonly used credit score among lenders, as well as through Equifax, Experian and TransUnion. If your score is not as high as youd like, paying off old bills (like credit card debt) and paying all bills on time for six to nine months should bring your score up and help you get a better interest rate.
You’ll also want to take a look at your credit report to make sure everything is accurate. If someone stole your identity and opened a credit card in your name and you aren’t aware of it, this could affect your ability to get a car loan. Plus, you’ll want to report the fraudulent activity right away to the credit bureaus so any errors can be fixed before you apply for auto financing.

Apply, Apply, Apply

You wouldnt just apply to one job or one college, so you shouldnt apply to just one lender for a car loan. Contact your bank, local credit unions and other lenders to find out what theyre offering. Youll have to fill out loan applications, which will ask for your social security number, employment and income information, monthly expenses, like mortgage and rent, and any outstanding debts, like credit cards and student loans. When you fill out auto loan applications through multiple lenders, be sure to do it all at once, or within a close time frame. Credit bureaus will see your multiple applications and realize you’re shopping for auto financing. If you spread your applications out, keep in mind that multiple applications for financing can lower your credit score. Do all your applications around the same time, so as not to lower your score.
Do not be tempted to exaggerate your income or misstate your expenses and amount of debt. Everything you fill out on a loan application will be verified and if you lie, you’ll get caught. The lender will use your social security number to pull your credit history and credit score and decide whether or not to make you a loan offer based on that information, as well as your income, expenses and debts.
Take some time to go over all the offers, and dont just look at the interest rates. Avoid offers that charge you a lot of fees. Another thing to look at is the car loan term. A longer auto loan might result in a lower monthly payment, but over the long haul, you’ll pay more in interest. Also, watch out for loans that have a prepayment penalty, which is a fee charged if you pay the loan off early. Paying the loan off early may not be something youll be able to do, but if your long-lost Aunt Mabel dies and leaves you a fortune, paying it off could save you a lot of money, and you dont want to pay extra fees to do it.

Dont Feel Dejected about Getting Rejected

Dont feel too badly if your car loan application is rejected. Its probably a good thing. A rejected loan application means the lender didnt think youd be able to pay the money back. As hard as that is to hear, that lender likely just saved you from getting into more debt than you can handle. Reassess your budget to determine what you can truly afford, not just monthly, but over the life of the loan. Try finding a less expensive car to buy, consider a used car or save up more money so you have a larger down payment, which will reduce the amount you’ll need to borrow.

Show Up with Financing

Many car buyers might think that the car dealership is offering you the best financing rates. Thats not always the case. While you should certainly consider the loan the dealership offers, the best way to get the lowest interest rate is to bring a pre-approved loan from your bank, credit union or third-party lender when you go to the dealership. If the dealership can beat the interest rate you’ve already been pre-approved for, or has a similar rate but with fewer fees, you can decide to take that offer. If not, you already have financing. Pay attention to the loan length, as a lower interest rate offer from the dealer and a longer term may not translate into a better deal.
Bringing your own financing to the table also means youll have the upper hand when it comes time to sit down with the finance manager. Some dealers will give you a great price on a car, but will charge you a higher interest rate on the car loan, which will cost you more money in the long run. This is an area where dealers can make a profit on the vehicle. With financing in hand, you can focus on the price of the car and your trade-in, if you have one.
Now that you understand the basics of financing a car, you’ll be able to get the best car loan for your budget and your new vehicle.


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