partners in business

Partners in Business tip: Get full disclosure in finance contracts

Truth-in-lending laws do not apply to commercial loans, such as truck financing, so dealers do not have to give full disclosure, but most will if they are asked.

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Partners in Business tip: Save every receipt, no matter how small

Why “tip” the taxman? Place an envelope in your truck for collecting your receipts and send them at the end of each month to your business services provider, who can then provide you with a monthly profit and loss statement as well as accurate quarterly tax estimates.

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Partners in Business tip: Properly spec your tires

Smart tire spec’ing can save money in two ways: reducing tire cost per mile and fuel cost per mile.

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Partners in Business tip: Remember the warranty during truck loan negotiations

When you are negotiating for a truck loan, make sure your dealership is able to service your truck and that warranty work and downtime will have the least possible effect on your driving time and miles. Get warranty agreements in writing and make sure you understand them.

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Partners in Business tip: Log maintenance records

Only with complete records can you track the work done on your truck and, when necessary, prove that required maintenance has been done.

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Partners in Business tip: When to upgrade your truck

Rules of thumb on when it's time to trade your old rig for a newer one.

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Partners in Business tip: Analyze your oil

Getting an engine oil analysis is a great way to determine engine wear problems before they cause too much damage.

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Partners in Business tip: Use a separate credit card for business expenses

Try to find a credit card without an annual fee and with a low interest rate. If possible, pay the balance in full every month

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Partners in Business tip: Keep an escrow account for maintenance costs

Every good preventive maintenance schedule begins with a maintenance escrow savings account. A good formula for this ties the age of the truck to cents-per-mile savings.

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Partners in Business tip: Update your insurance basics annually

Talk to your insurance agent every year to adjust parts of your insurance policy -- here's why.

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