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June 7th, 2008
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How To Save Money On A New Car
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The price of cars these days is just out of this world. You can figure on spending upwards of $30,000 for a family van. No wonder a lot of people are opting for used cars. Even with prices creeping up and up there are still ways for you to save money if you have your heart set on a new car. The first advice I’ll offer is to do your homework before you approach a dealership. There is an endless amount of information available on the internet. Every car manufacturer has a website, dealerships have web sites. See what deals they are offering on what models. Check on the edmunds.com website for information on retail prices for new and used cars of any make and model. You should, before you even pull into the dealership, have a ballpark figure of what your new car should cost, including any special packages you may want. A lot of dealers have taken the haggling and pressure out of new car buying, which many of consumers like. Remember the days when you’d ask what the price of a car is and the salesman would reply “how much can you afford to pay a month?”. You never knew exactly what you were paying for your new car until you were at the desk ready to sign the contract. Today we are educated consumers and those days are gone forever. You will be able to get a good deal during the end of model year sales. The dealers will make just about any deal to get an older model off the lot to make room for a new one. Also, go into the dealership at the end of the month. Your salesman will be doing his best to sell a few more vehicles to up his commission payment. Get the bottom line price for that new car before you talk about a trade in. Generally the first thing a salesman will ask is if you have a trade in. Say “no”. If your salesman knows you have a trade in it will affect the price you pay for your new car, no doubt. If he makes you a ridiculously good deal for your trade in you can believe that the price of your new car will reflect this. Make sure you know what the value of your trade in is. Again you can check edmunds.com. Take you car to a variety of dealerships and get an idea of this price from them. The bottom line is to do your homework. Get a price for the new car from several different dealers. There is nothing wrong with each of them vying to give you the best deal. Consider your finance charges. Get a quote on the interest rate you’re offered from the dealership, then check with your bank or credit union to see what type of interest rates they offer. |
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Credit Card Fees and more Fees
June 3rd, 2007
Zero percent interest, reward programs, and cash back are just a few of the many offers credit card companies use to win you over. All of those terms do their job wonderfully and make you forget about the horrible truth that comes with every credit card. Truth be told, no matter how great those offers may seem, there is a major downside that can be described in one haunting term: fees.
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Should you lease or purchase a new vehicle?
February 6th, 2007
This is an interesting question that depends upon your situation. The question really is do I want to own this vehicle or rent it?
Leasing a vehicle costs less than purchasing meaning the monthly payments is lower. Also there isn’t a down payment required. This can make getting a new car easier.
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Used car financing - Bad credit used car loans
February 6th, 2007
Finding used car loan for a pre-owned or a private sale can be a little harder than buying a new vehicle but is not impossible. Most of the same requirements apply wheather you apply for a new or used car loan.
One of the biggest advantages of a pre-owned car is the amount of money that is generally saved. If you have less than perfect credit, no credit or bad credit buying a used car will save you a lot of money in interest , whiile still letting you rebuild your credit.
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Too much debt to handle?
February 6th, 2007
Many people have run into credit problems by taking on too much debt. Usually this doesn’t happen overnight. Rather it is a long process of adding small things here and there until the total becomes too much to handle.
Can’t pay the bills anymore? Get 100% online debt relief.
Click here for more info
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Car refinance? Is a Auto Refinance Loan for You
February 6th, 2007
Do you own a car but wish you didn’t because of the monthly payments? You are not alone and we plan on helping you. If you are concerned about the amount you are paying or accepted a high interest rate on your car loan then you owe it to yourself to examine possibilities at least once a year.
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Buying a used car
February 6th, 2007
As with any major purchase, before you buy a used car, you will need to do some research. Taking the time to research your purchase could save you a considerable amountof money later. You can learn about car models, options, and prices by spending a little time on the internet. There are hundreds of sites available to provide vehicle information and pricing information that will help you in your used car purchase.
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Buying A New Car - Car Buying Tips and Information
February 6th, 2007
Buying a new car is one of the most expensive purchases most consumers ever make. According to Edmunds.com, thee average price of a new car sold in the US increased to over $30,000 in 2004, making the automobile purchase second most expensive purchase other than buying a new home. Therefore, it is important to make sure you are getting the best deal on your new car purchase.
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Using Auto Loans to Build or Rebuild Your Credit
February 6th, 2007
You need credit history before you can buy a house or car, but you can’t establish a positive credit history without having someone extend credit to you in the first place.
Here are a few ideas on how to build your credit or correct past credit mistakes and rebuild you credit:
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