Archive for the ‘ CarLoans ’ Category

Getting The Best Car Finance Deal

Buying a car is a big move financially, and if you are able to negotiate the best deal on your car, then you may end up saving thousands. That is why when you approach a car dealer, you must be prepared with every price detail, to make sure you know what you are signing up for, and what benefits are you getting out of it.

There are certain smart ways and times to approach car dealers so that you get the best of the best deals. Recommended times are the end of the month or prior to the March and September closings. During these times, the sales staff are looking to complete their sales targets, and you may get a good deal from them. Always ask for additional benefits like dealer discounts or even extra equipment like alloy wheels, mats and mud flaps. If nothing, then get the dealer to fill your tank up with fuel worth at least £150. As far as dealer discounts are concerned, you have a good chance of getting one in the case you’re taking out finance. This is because they can offset the commission from the finance lender against a discount.

For those with good credit, you are eligible for a personal loan too, so get a quote for a personal loan and you can use it to bargain with the dealer to get a good finance deal. One idea often applied and quite effective is to go to two competing dealers, and play them off against each other. All these tactics aside, one tool to aid you in getting a good deal is knowing the finances, from APR to your budget and the impact of monthly payments on the same.

If you know the real APR (annual percentage rate) of the loan, then you can easily compare one credit deal with another. Keep in mind that dealers while explaining their finance offer will use the flat rate to make it seem like a cheap deal. But you must get to know the APR complete with the fees and the interest. Knowing this will let you compare the total cost of a car loan with parallel ways of finance, like a personal loan. Never be pressurised by any dealer offering you a discount if you get the car financed from him. Even with the discount offer and all, he is still making a creamy profit from you, so there is no rush to enter a deal like that. Explore other dealers too! Read more

2011
12/22
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CarLoans
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Buying the Right Boat for You

You might never have owned a boat before, or you might already have your own boat, but it doesn’t suit you. Here are the things that you need to consider before purchasing a boat.

How will you use it?

Are you going to be boating mostly alone? Or will you typically be fishing with one or two other people? It can be disappointing to buy a boat and then find out that it is too small for your whole family, and so you don’t get enough use out of it. Conversely, if you buy a boat that is too big, and it is only you who use it, you might find it too much of a hassle to take out. Think of how you want to use it. It is probably a safer bet to get one bigger instead of smaller just in case. You don’t want to leave your kids or your friends on shore! (Except maybe if you do: then you can get a small fishing rig just for you and for some peace and quiet!)

How often will you use it?

If you are only going to be a pleasure boater, or if you don’t live near water, you will probably want a boat that can fit on a trailer. If you will be taking it out more than just on weekends, you will want to consider keeping it in a marina. Remember to account for the costs of storing your boat when you are making your budget: a typical rule of thumb is to double your monthly payments to find out how much you will really be spending on upkeep, maintenance, and storage.

Where will you use it?

Get a boat that you will be able to access, no matter how you plan to do it. If you live far from the nearest lake or river, then you will want to figure out how you will be getting to your boat. Consider also if you will be using your boat in freshwater or saltwater, because that can sometimes make a difference to the materials that you want to buy.

If you will be in the Great Lakes or in the Ocean, you will want a different type of boat than if you are going to be in rivers. For these types of lakes, or lakes with very choppy waters, you will want a boat with a deep-V hull so that your ride isn’t as bumpy.

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2011
11/01
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CarLoans
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Car Seat Safety: Statistics and Law

Driving around with your child, you want to make sure that your car is as safe as can be. Here’s how to choose a car seat or booster seat for your child.

Know the Facts

According to the Ontario Ministry of Transportation, in Canada, collisions are the number one cause of death for children. Having a properly installed car seat can minimize fatalities, and decrease the risk by 75%.

Choose the Right Car Seat

The National Highway Traffic Safety Administration (NHTSA) surveys all car seats for infants and children. They are rated on a number of categories from clear instructions to ease of use. The good news is, car seat manufacturers are listening to the government’s suggestions, and are constantly improving designs. For current information, visit the NHTSA website. You can easily find a car seat that has earned all As in every category. If you work with ebay or froogle at the same time, you can also complete some of your comparison shopping online. If you have seen a car seat that you think you like at the store, check out its safety rating.

Know the Age Groups

The following are just guidelines to get you started. You should always read the instructions on every car seat carefully to find out the height and weight restrictions.

Infants need to be in rear facing car seats. This is until they are roughly 1 year old or 20 lbs.

Toddlers need to be put in forward facing seats with tether straps. Tether straps are very important to safety: if your vehicle doesn’t have a tether anchor, contact the dealership to have one installed. This is between roughly 20-40 lbs.

Children who are old enough move out of a car seat still need to use a booster seat. This is until the child is 4’9″ tall. This will probably be until the child is about eight years old. Boosterseat.gov is a site that information on when your child can stop using a booster seat.

Airbags

Children should always stay in the back seat away from any airbags. This means that children should always ride in the back seat until they are old enough to use a regular seatbelt. Again, this will probably not be until your child is 8 or 9.

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2011
11/01
CATEGORY
CarLoans
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