When it comes to getting the best car loan deals then a lot of it will depend on your credit history. If you have a good credit past then this will go in your favour when it comes to getting the best rate of interest. However, all is not lost if you have had problems with credit in the past, although you still can get credit when it comes to getting a loan for a car you wont get the best interest rates, but by shopping around you can get a good car loan deal.

If you have an excellent credit rating then it might be in your best interest to go for a personal loan, by going for a personal loan you are able to shop around online and secure the cheapest loan and rate of interest. It also works another way in your best interests because as you already have the cash in your pocket by going for a personal loan you can go along to the dealer and offer cash.

The majority of time if you pay cash for your car then you can get extras; the dealer could knock something off the price you pay if you pay cash there and then or offer you bonuses such as money off your insurance. Another benefit is that you will drive away from the showroom knowing that the dealer isn't in a position to repossess the car should you miss a repayment.

One possibility when it comes to financing your car is to take the finance through the dealer where you choose to buy your car from. However the majority of times the rate of interest will be a lot higher than if you had shopped around for a personal loan, one of the biggest benefits of taking this type of finance is that it is easier to get but you of course will pay for this privilege.

If you do have bad credit history and have been turned down time and time again for credit, then it still might be possible for you to get a loan to buy a car. If you look online then there many places which now offer loans to those with bad credit ratings, however by doing so you can expect of course to have to pay a high rate of interest on the loan.

Whichever way you decide to go for your car loan deal the best place to start is to go online, the internet holds a vast amount of information about the different types of car loan deals that are available and also the best rates of interest or best offers at car dealerships.

About the Author

Louis Rix is a Director of NetCars, one of the UK's leading motoring websites. First established in January 2000, its mission is to become the number one site for used car searches and motoring information. NetCars also provide Used Cars, loans and insurance.

Nokia is the proud winner of the TIPA (Technical Image Press Association) “Best Mobile Imaging Device In Europe” for 2008.

“The Nokia N82 is a compact multimedia computer that integrates GPS, web, video and music functions around a 5 Megapixel camera with a high-speed, f/2.8 autofocus lens,” the TIPA jurors said. “This Carl Zeiss Tessar focuses from 10cm to infinity and produces sharp prints up to and
beyond A4 size. Several scene modes are also available to optimize the Nokia N82 for great images, whether shooting portraits or night shots,” TIPA continued. Other Nokia N82 features highlighted by the jurors are the Xenon flash and 20X digital zoom.

The Nokia N82 supports microSD memory cards of up to 8GB which allow the device to hold up to 3600 high-resolution pictures, 5 hours of high quality video capture, up to 6000 songs or all of the available regions for the Nokia Maps application.

To find out more about the N82, please visit Nokia.com

This week's announcement of Google's 'advertising, technology, and research partnership' with NBC Universal has got everyone talking again about just how important Google might become to TV advertising. And since I'm an advertising analyst who also recently spent a couple years covering digital TV, it's something I've been asked about a few times. My take: while there's room for Google to make TV ad buying more efficient and accountable, there's only so much you can do to target ads on TV -- and so Google can't, and won't, cause nearly the upheaval in TV advertising that they did in online advertising.

Google's dominance of online advertising is based primarily on their ability to target relevant advertising to consumers. But it'd be incredibly difficult for Google (or anyone else) to ever target TV ads nearly as well as online ads, for several reasons.

First, there's no expressed intent in TV viewing. When you search for something online, you're expressing an interest that can often be answered with an ad. But when you consume content (online, or on TV, or anywhere), there's typically no expressed intent. We already know that Google's content-targeted online ads don't perform nearly as well as their search ads, because advertising targeted by context isn't nearly as accurate (or actionable) as advertising targeted by intent. Google's targeting of TV ads will have same problem as their contextual online ads; the lack of expressed intent will mean that the targeting is less effective.

Second, and crucially, TVs are shared devices. Think about how people watch TV: quite often, there's more than one person in the room. When there's more than one person watching TV, it's unlikely that any single ad will prove truly relevant to everyone watching. (And if a single ad is relevant to everyone watching a certain program -- say, football -- then advertisers don't need Google's targeting; they can hit that target by simply buying spots during football matches.) Even if there's only one person watching, it's difficult to use past viewing behavior for targeting -- because Google can't be positive whether the person watching at any given moment is the dad who usually watches sports, or the kid who usually watches cartoons. (Unless, of course, sports or cartoons are what they're watching at that moment -- in which case advertisers can again simply buy spots during that type of programming.) The bottom line is, one-to-one targeting simply can't exist on TV like it can online.

It also doesn't help that TV delivery platforms aren't as conducive as the Internet to ad targeting. Again, I'm an advertising guy, not a TV platform guy -- but last time I checked, you needed IP delivery to do pinpoint targeting on TV. The problem is, Jupiter expects IPTV to grow pretty slowly, and most cable operators still don't use IP delivery. And I'm not sure it'll ever be possible to do real pinpoint targeting to anyone who primarily uses terrestrial or satellite TV (as the majority of European households do).

So the one thing Google does best online, that they made their reputation and their fortune on -- pinpoint ad targeting -- will be all but impossible in TV for a long, long time. One day, if all TV is IP-delivered and people log into their TV sets for individualized experiences, then Google's online targeting tactics could work on TV. But that day is a very long way in the future, if it ever happens.

Without the ability to target ads on TV as well as they do online, Google is left trying to introduce efficiency and accountability into the TV advertising ecosystem. And that's a role in which they may well find success. Networks both big and small would be pleased to see a more efficient way to sell their lower-value inventory, and we know that Google's marketplace and bidding system can help networks get the best prices for that inventory. Further, advertisers would love to know how many viewers really see the ads they're paying for, to help them make their future media buying decisions. Google, intelligently, seems to be focusing on just these features.

Basically, it looks like Google is building AdSense for TV. And while that's useful, and offers a positive step forward for advertisers and networks, it's nowhere near the type of revolution Google's paid search model brought to the online advertising space.

I’ll admit it: I have a harder time remembering Orkut exists than I do remembering where I put my keys. Hell, I’ll probably forget about Orkut again as soon as I publish this post. That said, the fact that Google’s still fueling the project means some folks out there really love it; according to my indisputable Fact Checker 4000, most of these folks hail from Brazil or India.

Wherever you may be, Orkut fans, any of you running an S60 handset should hop on over to m.orkut.com. The Orkut S60 web interface has gotten a big ol’ revamp, adding photo uploads, picture galleries, click-to-call, and easier searching. It’s all done up in XHTML, so no client download is necessary.