Car Loans After Bankruptcy - Tips to Getting Approved
By Carrie Reeder
A car loans after a bankruptcy is one way to help build back your credit history. In fact, once your bankruptcy closes, you can apply for a car loan the next day. To get approved with the best rates for your car loan, follow these tips.
Review Your Credit Report
Before you start applying for a car loan, check out your credit report and make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed, which hurt your credit rating.
While looking at your credit report, consider adding a page explaining the situation that resulted in your bankruptcy. If there were extenuating circumstances, lenders may approve you for a better rate than under normal conditions.
Plan Your Car Purchase
Before purchasing a vehicle, decide what you can afford in a monthly car loan payment. This will help you decide which financing package is best for you. Both the loan amount and length of payments will determine your monthly payments, so there is flexibility in determining which vehicle you can afford to purchase.
Use A Car Loan Lender
Car loan lenders make their money by finding you a loan. Car loan lenders work with several financing partners to back loans with all types of credit risk, including bankruptcies.
Online car loan lenders deal with thousands of loans, and can usually find you a better deal than your local car dealerships. Online car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer.
Explain Your Situation
Car loan applications will ask if you have ever declared bankruptcy and why. This is your chance to explain what led up to the situation and what steps you have taken to resolve your credit situation. Be sure to include improvements in your financial history too.
Consider Refinancing
Once you are approved for a car loan, keep your eye on future refinancing. By making regular payments on all your bills, in a year’s time you could qualify for significantly lower interest rates. In three years, you can build your credit score to near excellent and qualify for even lower rates.
To view our list of recommended auto loan companies online, visit this page:
Recommended Auto Loan
Companies Online.
Carrie Reeder is the owner of
ABC Loan Guide, an informational
website about various types of loans.
What Are The Auto Liability Insurance State Minimums For My State?
What Are The Auto Liability Insurance State Minimums For My State?
By Tim Gorman
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance
By Tim Gorman
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance
2007 Aston Martin V8 Vantage Car Review
2007 Aston Martin V8 Vantage Car Review
By Siree Chamberlain
KBB Editors' Notes: In a consumer economy driven---at least to a certain extent---by tax cuts extended to the super wealthy, the uptick in luxury and exotic car sales won't constitute much of a surprise. Managers of the venerable British franchise, Aston Martin, have taken note and moved aggressively in broadening Aston's offerings---previously limited to the outgoing Vanquish S and DB9---to include a two-place coupe (and upcoming roadster) designed to capture the eye of the 911 prospect. The end result, the V8 Vantage, constitutes a beautiful blend of traditional Aston design cues with an unexpected dose of athleticism.
What's Significant About This: Today's V8 Vantage is a clean-sheet approach to a Sports/GT. Benefiting from an all-new platform and V8 drivetrain, the tightly-drawn two-seater supplies the Aston prospect with an "entry level" choice while providing Aston Martin and its dealers with a better business model. The Vantage is expected to constitute approximately two-thirds of Aston's sales volume.
You'll Like This Car If: If you enjoy a classic combination of sensuous sheetmetal and a well-connected chassis, the V8 Vantage won't disappoint. Its 4.3-liter V8 is a visceral yet viable piece of machinery, offering performance more accessible than its $115K price point might suggest. In contrast to the Vantage's day-in, day-out capability, the performance parameters demonstrated by many of its more exotic brethren (Porsche 911 Turbo, Ferrari F430) are not as accessible, often requiring a private track to properly demonstrate and/or enjoy.
You May Not Like This Car If: If your dream coach is one capable of carrying you, a companion and two weeks' worth of luggage, the V8 Vantage will disappoint. Its interior is generous within the context of the genre, and it does offer space for two (reasonably) well outfitted travelers, but don't press the V8 into service for runs to the airport or Home Depot. The V8's proportions constitute an extension of the driver, assuming that driver is neither 300 pounds nor a serial shopper.
Exterior: With the popularity of Aston's direct competitors (Porsche 911, Mercedes SL) making their shapes---at least in major metro areas---almost commonplace, the aggressive, albeit mature, lines of the V8 Vantage demand your attention. While some might draw comparisons with Jaguar's XK Coupe, the smaller Aston offers a visual balance speaking to both the carmaker's storied past (Aston Martin won LeMans in '59 with Carroll Shelby as co-driver) and now-promising future. The V8's front is dominated by Aston's traditional grille and (optional) xenon headlamps, while its profile is marked by a compelling side vent and strake and the roof tapers provocatively to a functional hatch and integrated spoiler.
Interior: In what Aston describes as "a synthesis of high technology and hand-crafted elegance" the prospect is struck by the Vantage interior's authenticity and comfortable accommodation. The leather seating epitomizes its "bucket" descriptive, but will realistically accommodate a "wide" variety of dimensions. Speedo and tach are front and center, and feature an organic electroluminescent display, more easily read---we're told---than more conventional LCDs. Finally, the tach---reading to 8,000 rpm---registers counterclockwise, a process which should amuse throughout the ownership period. Everything---as reviewers are wont to say---falls readily to hand, with few of the ergonomic nightmares that often befall the limited production sports car.
Notable Standard Equipment: The list of standard equipment is fully appropriate to a $115K purchase. Functionally, the base model includes Dynamic Stability Control, Traction Control and Electronic Brake-force Distribution. Inside, you're supported by a full-grain leather interior, remain comfortable with automatic temperature control and kept secure by an alarm and immobilizer.
Notable Options: Typically, we'd note the attractiveness of the Sportshift manumatic, navigation system and premium 700-watt sound system; however, ordering a Vantage V8---or anything from Aston Martin---is anything but typical. A choice of twenty exterior colors and twenty interior hues is augmented by "Out of Range" paint (you want Miata yellow---you can get Miata yellow) for $1,595 or "Match to Sample" paint for $3,785. You can spec the interior in a similar manner. The Sports Pack provides more aggressive Pirelli tires in combination with alloy wheels finished in an anthracite finish. Notably, not every addition requires a four-figure check. Fine stitching is only $220, a color-keyed steering wheel is under $300 and piano black fascia trim is $750. Personalization of this order is rarely this inexpensive.
Pricing Notes: A Manufacturer's Suggested Retail Price (MSRP) of $114,550 confirms the Vantage V8 as expensive. However, among a growing number of big-buck GTs from Ferrari, Lamborghini and Maserati, this Aston seems almost attainable. With the gas guzzler penalty and transportation, along with typical options, expect to invest around $125K for a V8 built to your order.
Driving Impressions: Everything in the Vantage's new spec is designed for the driver. Beginning with a bonded structure composed of aluminum alloy, steel, magnesium and composite materials, Aston installs a 4.3-liter V8 and rear-mounted, six-speed manual transmission. The balanced 49/51 weight distribution is immediately evident, as is the powertrain's relatively flat torque delivery. As Aston suggests, the driving characteristics are perfect for both track days and shopping treks, helped in no small part by precise shifting, reasonable visibility and accurate rack-and-pinion steering. The multi-link suspension is well controlled, and supplies prodigious grip and adequate comfort even on the pock-marked pavement of our urban test.
Our Favorite Features: Six-Speed Manual Transmission
Aston's rear-mounted transmission makes a compelling argument for shifting gears yourself. Engagement is precise and intuitive, with ratios well-matched to the engine's power delivery. Its location allows the engine to sit further back in the Vantage chassis, and assists in achieving the advantageous weight distribution. A Sportshift (at $4,000) will be available in the second quarter of 2007, but the manual---in our opinion---renders it irrelevant for everyone but your valet.
Functional Hatchback
Unlike many in the Sports/GT category, the Vantage V8 provides accommodations for both people and their things. Over ten cubic feet of luggage space, in combination with available Aston luggage, supplies a touring capability very close to grand. Golfers will appreciate room for a deluxe bag of clubs, and skiers---with removal of the security cover---can carry skis inside the car, something Bond couldn't do with his Lotus Esprit.
Under the Hood: Aston describes its 4.3-liter V8 as both powerful and musical. And while behind the wheel you won't be reminded of the London Symphony, the DOHC V8's 380 horsepower (at 7,300 rpm) and driving characteristics do provide a Royal Command Performance. Beyond the impressive horsepower (almost 90 naturally-aspirated horsepower per liter) are details such as an alloy block, four-into-two-into-one exhaust manifolds, dry sump lubrication and hand assembly---elements more typical of racing powerplants than sports car engines produced in volume. The manufacturer claims a zero-to-60 time of under five seconds and a track-only maximum speed of 175---we have no reason to doubt either figure.
4.3-liter V8
380 horsepower @ 7300 rpm
302 lb.-ft. of torque @ 5000 rpm
EPA city/highway fuel economy: 13/19
This Kelley Blue Book new car review was written by Contributing Editor. Regularly recognized as the most-visited automotive information website, nearly one out of every three people who buy a new or used car in the United States visits kbb.com With insightful pricing information, consumer-focused car reviews, smart buying advice and more, KBB makes it easy to choose and buy the right vehicle with confidence.
More information on Aston Martin can be found at Aston Martin Info Center
For more insightful car pricing information, consumer-focused car reviews, smart car buying advice and more, visit www.KBB.com
Cheap Car Insurance: Factors That Affect Your Car Insurance Rates
Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
By Rob Sliver
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN’T change that impact your auto insurance rates:
Your age
Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.
Gender
Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.
Marital Status
Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.
Factors you CAN change that impact your auto insurance rates:
Geography
Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.
Driving violations
Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.
Your vehicle
If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.
Accident claims
While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.
Credit rating
That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.
Occupation
A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!
Other factors that go into determining premiums:
Miles driven per year
Distance to work
Occupation
Years of driving experience
Business use of the vehicle
Whether or not you currently have auto insurance
Theft protection devices (often results in discounts)
Multiple cars and drivers (another opportunity for discounts)
Overwhelmed?
It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.
Please note that this description/explanation is intended only as a guideline.
For more information about auto insurance please go to: Insurance.com
Author: Rob Sliver
By Rob Sliver
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN’T change that impact your auto insurance rates:
Your age
Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.
Gender
Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.
Marital Status
Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.
Factors you CAN change that impact your auto insurance rates:
Geography
Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.
Driving violations
Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.
Your vehicle
If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.
Accident claims
While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.
Credit rating
That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.
Occupation
A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!
Other factors that go into determining premiums:
Miles driven per year
Distance to work
Occupation
Years of driving experience
Business use of the vehicle
Whether or not you currently have auto insurance
Theft protection devices (often results in discounts)
Multiple cars and drivers (another opportunity for discounts)
Overwhelmed?
It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.
Please note that this description/explanation is intended only as a guideline.
For more information about auto insurance please go to: Insurance.com
Author: Rob Sliver
Car Buying? What's Your Budget?
Car Buying? What's Your Budget?
By Jeff Neilan
When it comes to affording your next new car (used cars too if they are new to you), how closely do you look at your budget? And from what perspective do you evaluate your budgetary parameters?
Based on my years of experience, I would say that many people only have a mild idea of how much car they can afford.
When you’re in the car shopping mode do you think in terms of bottom line cash price or think only of what your monthly payments will be?
Either way, as you take a look at what you can afford, you have to take into consideration all of the extra costs involved in buying/owning a car. Certainly today fuel costs are a major consideration. And there is always going to be your insurance premium, maintenance costs (used cars will be higher), etc.
Once you begin your car shopping, if you only have a ballpark idea of what you can afford… and only a ballpark idea of how much you drive and what your gas expense will be, and if you haven’t nailed down what your insurance premiums will be, you are on a fast path to end paying too much for your vehicle.
You must crunch your budget numbers… and not just your new car price numbers. Start with your take home pay (not gross pay) then start deducting all of your monthly living expenses. If you’ve never worked up a budget before; now is the perfect time to get one started. A simple spreadsheet is a great way to keep track of and illuminate your numbers. If you don’t have one, just stop by my website and download the one there or send me a note and I’ll email one to you.
Everyone’s means to afford their car varies, but by most standards you shouldn’t ear mark more than 15 to 20 percent of your take home income pay for your transportation costs.
It’s important to understand, no matter what your financial means, you’ve got to know your numbers up front and first before you even begin looking for potential vehicles. Don’t even make a preliminary pass at looking at cars before you do this. If you do, you run the risk of ‘falling in love’ with a particular vehicle. As is the case with so many people; when they do this, they begin to justify affording a vehicle they either can’t afford, or have too stretch beyond their comfortable means in order to do so. Doing your budgeting first and knowing what you can afford (and what you can’t) will help take the emotion out of your buying process… in fact, it will probably save you time as well since you won’t be trying to purchase a car that is not within your budget limits. Do your car shopping intelligently and factually. It will save time, money, and quite a bit of stress.
Now once you get your budget all mapped out and ready to go are you now ready to go shopping for your next car?
Nope… Not yet.
Do you know your credit score? Your credit score is a big part of your financing expense; unless of course, you are one of the few people that actually pay cash for their vehicles. So, run your credit score. And you should do this well in advance of getting to the dealership. In fact, you should pull your credit as much as six months in advance. This way if there is outdated or incorrect data on your report, you will have time to get it expunged or corrected. Getting your credit score and your credit in order is whole new continuing topic beyond this article and you can learn more by visiting my website.
In summary, do your kitchen table homework first with your personal financials and the budgeting of them before you even begin considering any type of car. Be sure to consider all the expenses associated with owning a car; especially how many miles you’ll drive each week… fuel expense. Then you can begin narrowing your car search by looking for cars that fit your budget… and not trying to get your budget to fit the car you just picked out.
Jeff Neilan's years as a salesman,
finance manager, new & used car manager, will provide you with insightful tips and car buying advice that will help you save money and frustration on your next car buying experience. Go to getting your best car deal for more of Jeff's articles.
Article Source: http://EzineArticles.com/?expert=Jeff_Neilan
http://EzineArticles.com/?Car-Buying?-Whats-Your-Budget?&id=258556
By Jeff Neilan
When it comes to affording your next new car (used cars too if they are new to you), how closely do you look at your budget? And from what perspective do you evaluate your budgetary parameters?
Based on my years of experience, I would say that many people only have a mild idea of how much car they can afford.
When you’re in the car shopping mode do you think in terms of bottom line cash price or think only of what your monthly payments will be?
Either way, as you take a look at what you can afford, you have to take into consideration all of the extra costs involved in buying/owning a car. Certainly today fuel costs are a major consideration. And there is always going to be your insurance premium, maintenance costs (used cars will be higher), etc.
Once you begin your car shopping, if you only have a ballpark idea of what you can afford… and only a ballpark idea of how much you drive and what your gas expense will be, and if you haven’t nailed down what your insurance premiums will be, you are on a fast path to end paying too much for your vehicle.
You must crunch your budget numbers… and not just your new car price numbers. Start with your take home pay (not gross pay) then start deducting all of your monthly living expenses. If you’ve never worked up a budget before; now is the perfect time to get one started. A simple spreadsheet is a great way to keep track of and illuminate your numbers. If you don’t have one, just stop by my website and download the one there or send me a note and I’ll email one to you.
Everyone’s means to afford their car varies, but by most standards you shouldn’t ear mark more than 15 to 20 percent of your take home income pay for your transportation costs.
It’s important to understand, no matter what your financial means, you’ve got to know your numbers up front and first before you even begin looking for potential vehicles. Don’t even make a preliminary pass at looking at cars before you do this. If you do, you run the risk of ‘falling in love’ with a particular vehicle. As is the case with so many people; when they do this, they begin to justify affording a vehicle they either can’t afford, or have too stretch beyond their comfortable means in order to do so. Doing your budgeting first and knowing what you can afford (and what you can’t) will help take the emotion out of your buying process… in fact, it will probably save you time as well since you won’t be trying to purchase a car that is not within your budget limits. Do your car shopping intelligently and factually. It will save time, money, and quite a bit of stress.
Now once you get your budget all mapped out and ready to go are you now ready to go shopping for your next car?
Nope… Not yet.
Do you know your credit score? Your credit score is a big part of your financing expense; unless of course, you are one of the few people that actually pay cash for their vehicles. So, run your credit score. And you should do this well in advance of getting to the dealership. In fact, you should pull your credit as much as six months in advance. This way if there is outdated or incorrect data on your report, you will have time to get it expunged or corrected. Getting your credit score and your credit in order is whole new continuing topic beyond this article and you can learn more by visiting my website.
In summary, do your kitchen table homework first with your personal financials and the budgeting of them before you even begin considering any type of car. Be sure to consider all the expenses associated with owning a car; especially how many miles you’ll drive each week… fuel expense. Then you can begin narrowing your car search by looking for cars that fit your budget… and not trying to get your budget to fit the car you just picked out.
Jeff Neilan's years as a salesman,
finance manager, new & used car manager, will provide you with insightful tips and car buying advice that will help you save money and frustration on your next car buying experience. Go to getting your best car deal for more of Jeff's articles.
Article Source: http://EzineArticles.com/?expert=Jeff_Neilan
http://EzineArticles.com/?Car-Buying?-Whats-Your-Budget?&id=258556
Champ Car vs Mother Nature
As evidenced in the latest crash fest Champ Car has the potential to be a more exciting series if only we would wet down the track at some point during the race. Perhaps we could provide a few fans located strategically around the course with garden hoses and radios so that race control could instruct them on when to use them.
Well of course this is nonsense but my how the chase has changed since Mother Nature has volunteered her services lately. My prophetic question in the Cleveland column when Bourdais DNF’d, ”Is there more to come” seems to have been answered in the affirmative.
With Bourdais out of first place, but certainly not out of the chase, the championship is only in question if Mother Nature continues to Rain on the Champ Car parade or if the fans get their hoses!
Bourdais claims to have been “taking it easy to avoid problems” but it looks to me like is a less skillful mudder than some of the other drivers. Is this a chink in is armor?
I still cannot give a good grade to the most recent effort for two reasons: The first lap shenanigans that put PT in the wall and the reckless abandon that some showed on the rain slickened track. The series must find a way to get race started with all cars running for at least one lap, I for one am not interested in the NASCAR like bump and crash racing.
Bourdais must have gone to anger management class last week; he didn’t seem upset with the take down that Doornbos scored that took him out of the race. So now I guess we will have to watch to see if the Wilson/Dalziel tangle will develop into something more exciting.
Coyne’s team might have had an even better day had Kat not been taken out in the PT incident, with Bruno finishing fifth. Both he and Kat had found something that must have had pit row buzzing when Bruno finished P1 and Kat P4 in the morning warm up. I was really looking forward to seeing how both would do in the race.
When I spoke of others trying alternates strategies in my Cleveland column it was tongue-in-cheek , hopefully Rahal didn’t take it seriously even though he did try to repeat Tracy’s three wing win as he went about creating a shortage of front wing spares in the NHL transporter.
All in all the race was OK, given there is now at least some hope that a championship race will be more than a single driver wide. Still, if the remainder of the events are dry look for the championship morph back into a one man show.
Well of course this is nonsense but my how the chase has changed since Mother Nature has volunteered her services lately. My prophetic question in the Cleveland column when Bourdais DNF’d, ”Is there more to come” seems to have been answered in the affirmative.
With Bourdais out of first place, but certainly not out of the chase, the championship is only in question if Mother Nature continues to Rain on the Champ Car parade or if the fans get their hoses!
Bourdais claims to have been “taking it easy to avoid problems” but it looks to me like is a less skillful mudder than some of the other drivers. Is this a chink in is armor?
I still cannot give a good grade to the most recent effort for two reasons: The first lap shenanigans that put PT in the wall and the reckless abandon that some showed on the rain slickened track. The series must find a way to get race started with all cars running for at least one lap, I for one am not interested in the NASCAR like bump and crash racing.
Bourdais must have gone to anger management class last week; he didn’t seem upset with the take down that Doornbos scored that took him out of the race. So now I guess we will have to watch to see if the Wilson/Dalziel tangle will develop into something more exciting.
Coyne’s team might have had an even better day had Kat not been taken out in the PT incident, with Bruno finishing fifth. Both he and Kat had found something that must have had pit row buzzing when Bruno finished P1 and Kat P4 in the morning warm up. I was really looking forward to seeing how both would do in the race.
When I spoke of others trying alternates strategies in my Cleveland column it was tongue-in-cheek , hopefully Rahal didn’t take it seriously even though he did try to repeat Tracy’s three wing win as he went about creating a shortage of front wing spares in the NHL transporter.
All in all the race was OK, given there is now at least some hope that a championship race will be more than a single driver wide. Still, if the remainder of the events are dry look for the championship morph back into a one man show.
Car Down Payment; Check Into A Payday Loan
The following is a paid review:
Have you ever found the car of your dreams, or even worse, had to have a car and not had the down payment to get it. There are many times, almost daily, I have a customer that is approved for a car, but needs a down payment. It is hard to come up with a down payment all at once and you need some help. There may even be times when an unexpected bill hits you and you need a little extra cash to cover it until you get paid.
Well worry no more, I have found a site that offers payday loans online, quick, easy, confidential, and you do not have to have A1 credit to qualify. The requirements are as follows for overnight cash up to $1500. Must maintain steady employment. Earn an income of $1,200 per month.
Must be at least 18 years old and a citizen of the United States. Active checking account required. Visit Payday Loans ABC for additional requirements.
Payday Loans ABCis also a leader when it comes to information. They believe that an informed customer will be a happy customer and we would all have to agree with this statement. Payday Loans ABC updates their site frequently with news and information concerning loans and credit news.
Get Reviewed by this blog for $40 at ReviewMe!
Have you ever found the car of your dreams, or even worse, had to have a car and not had the down payment to get it. There are many times, almost daily, I have a customer that is approved for a car, but needs a down payment. It is hard to come up with a down payment all at once and you need some help. There may even be times when an unexpected bill hits you and you need a little extra cash to cover it until you get paid.
Well worry no more, I have found a site that offers payday loans online, quick, easy, confidential, and you do not have to have A1 credit to qualify. The requirements are as follows for overnight cash up to $1500. Must maintain steady employment. Earn an income of $1,200 per month.
Must be at least 18 years old and a citizen of the United States. Active checking account required. Visit Payday Loans ABC for additional requirements.
Payday Loans ABCis also a leader when it comes to information. They believe that an informed customer will be a happy customer and we would all have to agree with this statement. Payday Loans ABC updates their site frequently with news and information concerning loans and credit news.
Get Reviewed by this blog for $40 at ReviewMe!
VIN-Vehicle Identification Number Meanings
Every auto ever made has a Vehicle Identification Number (VIN). It does not matter if it is a car, truck, van, or SUV, it will have a VIN number found on the driver door panel and in front of the steering wheel on the dash-seen from outside the car. Over the years the VIN numbers have grown in length to signify different things. They are currently 17 digits long and mean the following. 1st digit: Country of origin, 1 is US, 2 Canada, 3 Mexico, Germany is W, and Japan is J. Don't ask why Germany is W??
2ND digit: Manufacturer. A is Audi, N is Nissan, B is BMW, G is General Motors.
3rd digit: Tells the make of the Car. In the diagram 1 is for the Chevrolet division of General Motors.
4Th and 5Th tells what type of car. The YZ is a Corvette ZR1.
6Th digit is the body type. 2 is 2 door hatchback and 3 would be 2 door convertible.
7Th digit is the type of restraint system. It this instance the 3 means manual belts with driver air bag.
8Th digit is the engine type.
9Th is a check digit. It will be a number from 0-9 and supposedly it can be told if the VIN has been tampered with.
10Th digit is very useful especially when appraising a car because it tells what year the vehicle is. It used to be represented by letters and now is using numbers. P-93, R-94, S-95, T-96, V-97, W-98, X-99, Y-00, 1-01, 2-02, 3-03, 4-04, 5-05, 6-06, 7-07. Well you get the point. The letters go back further and if you notice there are some letters that got skipped. I, O, Q, U, Z, because they could have confused with other numbers.
11Th digit is where the vehicle was manufactured. 5 being Bowling Green Kentucky, 9 is Detroit Michigan.
The last six digits 12-17 are the production sequence numbers.
Now you will look at VIN numbers in a different way. Impress your friends, count back 8 from the end and this will tell the year of the vehicle.
GM Transformers "Transform Your Ride" Sales Event
General Motors is looking for big numbers from the Dream works and Paramount pictures movie "Transformers." GM has a big sales event that continues until July 9 covering the 4Th of July holiday called "Transform Your Ride." The "Transformers" movie opens on July 3rd.
In reality, if a customer has stepped away from GM vehicles, they will be impressed with what GM has to offer now. From the all new GMC Sierra, Chevy Silverado, Pontiac Solstice, Chevy HHR, Buick Enclave, Buick Lucerne, Chevy Cobalt, just to name a few that have made drastic strides to pick up new market share. This is not even to mention about GM's exclusive OnStar, XM Radio, Roadside Assistance, 5 year 100,000 mile power train warranty (even on certified used cars).
It is worth your time to stop in your local GM dealer to see all the exciting features and improvements over previous models. GM has definitely taken the challenge put out by foreign competition and "Transformed Their Rides" to compete in a very sophisticated market. Customers are very smart and most know all about the vehicle before ever entering the showrooms. Give your GM customers a test drive challenge. It is very rare for a customer to drive one of these new vehicles and not want to take it home. GM has also made Great strides in Ride, Handling, Performance, and especially reliability.
If you want to check out the "Transform Your Ride" Sales event at a local GM dealer, remember their is 0% on select models along with $1000 bonus cash.
Here are some of the models included in the sale:
Chevrolet: 2006 and 2007 Cobalt, Monte Carlo, Impala, HHR, Trailblazer, Tahoe, Suburban, Avalanche and 2007 900-series Silverado
Buick: 2006 and 2007 Lacrosse, Lucerne and Rainier
Pontiac : 2006 and 2007 G5, G6, Grand Prix and Torrent
GMC: Envoy, Yukon, Yukon Denali, Yukon XL, Yukon XL Denali and 2007 900-series Sierra
Check with your local GM dealer to check for incentives on your "Transformed" Ride!
Doornbos Conquers The Mont
Rookie Robert Doornbos managed to out drive everyone at Champ Cars latest event in at the beautiful Mont Tremblant circuit Sunday. The Rookie notched his first Champ Car victory over a very unhappy 2nd place Champion Sebastian Bourdais with some excellent driving on a very slick rain soaked track. The race started on a dry track but ended wet.
Bourdais was livid when complaining about the blocking he was certain that Doornbos had done to him during the latter part of the race after the rain started. He was soundly booed by the crowd during the post race interview for his rant.
Bourdais reportedly said “If race control did not see it, OK. But Robert knows what he did. He told me after the race, ‘You’re going to see a lot of this in formula 1.’ And that’s just the point. This is not Formula 1. The rules here are very clear about blocking and we are all supposed to play by the rules. If the rules said we are allowed to block it would have never come to this because he would have never gotten past me in the first place.”
So did he or didn't he? A little controversy never hurts!
The start saw three cars stall on the grid, what was that all about? I thought the software geeks had that under control. Every software engineer I have every dealt with said they could write software that would fix anything. It will be interesting to see if these latest issues can actually be corrected in software!
Race time temps were not ideal either, could there be a connection to the stalled cars at the start? Temps reminded me of my days in Milwaukee where I kept a jacket in my car all year round because when the wind came of the lake in the summer it was very uncomfortable without a jacket. I don't know about the norms for the area but it would seem in July it should have been warmer.
Steve Johnson is reporting there were more than 42,ooo clicks recorded on his turnstile for the weekend and calling that a success. Well, OK I guess success is subjective at least for now. I sure the cash register content cannot be counted as successful after they do the count Monday morning. Wonder what the TV rating was?
Next up Toronto!
Bourdais was livid when complaining about the blocking he was certain that Doornbos had done to him during the latter part of the race after the rain started. He was soundly booed by the crowd during the post race interview for his rant.
Bourdais reportedly said “If race control did not see it, OK. But Robert knows what he did. He told me after the race, ‘You’re going to see a lot of this in formula 1.’ And that’s just the point. This is not Formula 1. The rules here are very clear about blocking and we are all supposed to play by the rules. If the rules said we are allowed to block it would have never come to this because he would have never gotten past me in the first place.”
So did he or didn't he? A little controversy never hurts!
The start saw three cars stall on the grid, what was that all about? I thought the software geeks had that under control. Every software engineer I have every dealt with said they could write software that would fix anything. It will be interesting to see if these latest issues can actually be corrected in software!
Race time temps were not ideal either, could there be a connection to the stalled cars at the start? Temps reminded me of my days in Milwaukee where I kept a jacket in my car all year round because when the wind came of the lake in the summer it was very uncomfortable without a jacket. I don't know about the norms for the area but it would seem in July it should have been warmer.
Steve Johnson is reporting there were more than 42,ooo clicks recorded on his turnstile for the weekend and calling that a success. Well, OK I guess success is subjective at least for now. I sure the cash register content cannot be counted as successful after they do the count Monday morning. Wonder what the TV rating was?
Next up Toronto!
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