How Much Can I Spend on My Next New Car?

How Much Can You Really Afford to Spend on a New Car
?by Buddy Evans, Vice President of Big Bucks Auto™Are you in the market for a new car? If so, it’s important to figure out what you can afford to spend -- before going shopping. By doing some simple math and evaluating your current situation, you’ll be prepared to shop for a car you want – and can afford!How Much Can You Spend on Monthly Car PaymentsThe first thing to figure out is how much you can afford to spend on monthly car payments. Most experts argue that you should not spend more than 20% of your monthly gross income on a car payment. In special situations this figure may vary, but as a rule for the average adult, sticking to 20% or less of monthly gross will likely be a wise move. Short Term vs. Long Term Car Loan Once you determine a safe figure for monthly car payments, you should consider the loan term. Remember that a longer car loan will mean much more interest paid over time, while a shorter car loan term will mean less interest but higher monthly payments. Coming Up with a Down PaymentAnd what about your current car, assuming you have or had one? Selling Your Current CarIf you already sold your car you may have some available cash to contribute as a down payment. Any down payment you make is great as it will cut down on monthly car payments. If you still need to get rid of your current car, be sure to consider selling your car before simply trading it in to the dealer. You can usually expect much more money from selling your car than trading it in. If time is an issue, look for a reputable used car buyers like Big Bucks Auto™ in New York Tri-State Area. If you already sold your car and have some leftover cash from the sale, consider keeping it for a down payment on your next new car. Any down payment you make will cut down monthly payments significantly. Leased CarIf you’re currently leasing a car, you’ll need to either wait until your lease term expires – or get out of your lease early. To learn more about getting out of a lease, read “Getting out Of Your Used Car Lease”. And if you have savings or other available cash, this may be used as a down payment as well if you choose to do so.Car Insurance CostsInsurance costs are another major consideration when figuring out how much you can spend on your new car. A sports car or a high theft car will likely have a far higher insurance premium than a run-of-the-mill sedan. To put this into perspective, remember that two new cars with sticker prices of $20,000.00 each may have insurance premiums which vary by as much as 50% - or more! In other words, it’s very important to figure out – roughly – how much insurance is going to cost for all of the new cars your interested in.Car Maintenance CostsThen there are maintenance costs to consider. Some new cars will be far more expensive to repair than others. Foreign cars, for example, may be quite expensive to repair. However, many of these cars now come with warranties and free scheduled maintenance. New offers like this may actually make cars which used to be expensive to fix, far less expensive than other ‘cheap to fix’ cars! Therefore, the maintenance issue should be evaluated on a car-by-car and offer-by-offer basis, as manufacturers and their offers vary significantly. After considering these simple factors, you’ll be prepared to go out and shop for a car that truly fits the bill, financially speaking.

How Much Can I Spend on My Next New Car?

How Much Can You Really Afford to Spend on a New Car?by Buddy Evans, Vice President of Big Bucks Auto™Are you in the market for a new car? If so, it’s important to figure out what you can afford to spend -- before going shopping. By doing some simple math and evaluating your current situation, you’ll be prepared to shop for a car you want – and can afford!How Much Can You Spend on Monthly Car PaymentsThe first thing to figure out is how much you can afford to spend on monthly car payments. Most experts argue that you should not spend more than 20% of your monthly gross income on a car payment. In special situations this figure may vary, but as a rule for the average adult, sticking to 20% or less of monthly gross will likely be a wise move. Short Term vs. Long Term Car Loan Once you determine a safe figure for monthly car payments, you should consider the loan term. Remember that a longer car loan will mean much more interest paid over time, while a shorter car loan term will mean less interest but higher monthly payments. Coming Up with a Down PaymentAnd what about your current car, assuming you have or had one? Selling Your Current CarIf you already sold your car you may have some available cash to contribute as a down payment. Any down payment you make is great as it will cut down on monthly car payments. If you still need to get rid of your current car, be sure to consider selling your car before simply trading it in to the dealer. You can usually expect much more money from selling your car than trading it in. If time is an issue, look for a reputable used car buyers like Big Bucks Auto™ in New York Tri-State Area. If you already sold your car and have some leftover cash from the sale, consider keeping it for a down payment on your next new car. Any down payment you make will cut down monthly payments significantly. Leased CarIf you’re currently leasing a car, you’ll need to either wait until your lease term expires – or get out of your lease early. To learn more about getting out of a lease, read “Getting out Of Your Used Car Lease”. And if you have savings or other available cash, this may be used as a down payment as well if you choose to do so.Car Insurance CostsInsurance costs are another major consideration when figuring out how much you can spend on your new car. A sports car or a high theft car will likely have a far higher insurance premium than a run-of-the-mill sedan. To put this into perspective, remember that two new cars with sticker prices of $20,000.00 each may have insurance premiums which vary by as much as 50% - or more! In other words, it’s very important to figure out – roughly – how much insurance is going to cost for all of the new cars your interested in.Car Maintenance CostsThen there are maintenance costs to consider. Some new cars will be far more expensive to repair than others. Foreign cars, for example, may be quite expensive to repair. However, many of these cars now come with warranties and free scheduled maintenance. New offers like this may actually make cars which used to be expensive to fix, far less expensive than other ‘cheap to fix’ cars! Therefore, the maintenance issue should be evaluated on a car-by-car and offer-by-offer basis, as manufacturers and their offers vary significantly. After considering these simple factors, you’ll be prepared to go out and shop for a car that truly fits the bill, financially speaking.

New Car Prices Deals

Whether you buy a new car or a used one, one of the most important ways to enjoy your experience is the car dealer you will discuss with. Nowadays, car dealers can be found anywhere but the fact is that you need a car you like for the best rate you can obtain. Fortunately, the internet represents a wonderful tool which can help you locate any dealer you please.
Car dealers that you can rely on are exactly what you need when shopping for a new car. They will put at your disposal a variety of makes and models to choose from, the essential thing being having enough money at your disposal. Car dealers will present you all the possibility and we advice you not to limit yourself to just one model. The availability of the model you are keen on will restrict your ability to negotiate a better price.
New car prices can be quite overwhelming, but we say it is worth it as long as you find your dream car. However, once you have spotted something you like, you have checked out its price and talked to the dealer, don’t forget to take the car for a spin in order to see if it really is what you are looking for. The test drive will enable you to feel the real performance of the vehicle and if it meets your expectations. Car dealers who don’t let you take the car for a drive because of certain reasons must be avoided.
New car prices can also be a good deal as long as you buy the vehicle in a certain period when you can find discounts on car prices. Car dealers companies offer special promotions, especially on holidays and long weekends. If you want to get a discount for the car, we suggest keeping an eye on local newspapers and TV commercials.
Another good period for purchasing a new car is the end of the year, because most car dealers want to sell their vehicles. The only disadvantage is the fact that the value of the vehicle will depreciate faster because it will be one year old, but if you are planning to keep the car for a longer period of time this doesn’t have any importance.
New car prices can be lower at the end of the month, because car dealers have monthly quotas that they must meet. Thus, you will obtain a better new car pricing and if the dealers haven’t met their quota yet, they will offer you a good deal so that they can close the sale. Also, don’t forget about the end of the model year, since dealers want to sell previous models and their price goes down.
There are several advantages to purchasing a new car but this represents your most expensive option. New car prices are higher than used cars prices because new cars will offer you the newest comfort and safety features, being dependable and not needing repairs for a period of time.
As you can see, buying a new car is quite a challenge but it presents several advantages that you will enjoy, even if you will have to pay more than for purchasing a used car. However, don’t rush into purchasing a car, without thinking exactly of what you need and how much you can afford. Once you narrow down your options, you will know what to buy and how much to pay for it.

Buying Your New Car

you're buying a car based on the invoice price (for example, "at invoice, Worksheet for Buying a New Car. Buying & Maintaining a Car In this Foolish Car Buying area he lays out a as well as on our How to Buy a Car message board, getting more tips from Fools. Automotive classifieds with listings and buying guides. Features listings and other information on U.S. August 2, 2007- DETROIT- Detroit automakers lost control of the U.S. car buying and first-time drivers, buying a car can be an angst-filled Safe buying tips.information from Connecticut's premiere news site & Certified pre-owned cars. used cars, trucks, and vans including car care, warranties, loans, and more. Only Internet Appraisal Service That Will Buy Your Car, Guarantee Your Trade or Terminate Your Lease! people by nature or philosophical bent simply don't believe in buying new cars. How to Make Money Buying and Selling used Cars i provide my customers more information to move them into buying cars possibly. Auto Trader UK- The UK's #1 site to buy and sell new and used cars online. You'll find lots here, plus links to car-buying guides, a loan calculator and more!Buying a car can seem like a daunting task. Video: 2008 Infiniti G37 Car Buying Service. CARFAX used car buying guide: curbstoning. LoJack- The Only Stolen Vehicle Recovery System operated by police to track and recover stolen vehicles. Buy and sell autos, trucks, motorcycles, parts, accessories, boats, and other vehicles on Vintage Car & Truck Parts. Take the stress out of buying a car by calling on eHow's automotive experts.research new car prices & values, compare cars and get car buying tips at.au Your complete car-buying guide. A new car is second only to a home as the most expensive purchase many consumers If you're buying a car based on the invoice price (for example, "at invoice. Links to sites that provide online car buying services. Learn about running a Vehicle History Report and find out where to buy used cars.on March 24, 2008 in Car Buying, Hybrids Alternative Fuels, Site News February 29, 2008 in Accord, BMW, Car Buying, Elantra, G35, Honda, LS 460, Mazda. Learn to use the Internet to research a car's history and dramatically cut costs by. February 19, 2007- Byline: Yogima Seth Feb. How to buy or sell your car- A guide to help you make good decisions whether buying or selling- DMV.ORG Buying and selling a car does not have to be. If you buy an Enterprise car, and you change your mind, we will buy it back, no questions asked. for a great car buying experience with no. eBay Motors lets users buy or sell new and used cars, trucks, and SUV passenger vehicles online.Cars- a comprehensive "people's guide" to cars and the automotive market, featuring test drives, new car family car that's economical to buy and. AAA members can take advantage of our years of experience and wealth of helpful information about buying used cars: Cars (Widescreen Edition): Owen Wilson,Paul Newman,Bonnie Hunt,Rodger Bumpass,George Carlin,Bob Costas, by buying this Blu Ray "Cars". The fact is that most people rank buying a car well below a trip to the dentist. Find out what to look for when you shop for a collector car on eBay. of the enticements of buying a 1 or 2 year old program car with less than 36,000 Before buying a used car, buyers should do library and or Internet research.security system for protecting any car you buy. cars, buy or sell your car in auto classifieds, compare new and used car prices of the Four-Door Sports Car- complete details on Nissan's new. Includes a research center and car buyers services. in this section touch on car buying and financing, insurance, warranties, VINs. March 20, 2008- SACRAMENTO- By agreeing to carry a bill that would slightly raise a document fee that car buyers pay, Assemblyman Mark DeSaulnier, D-Concord, put. Buying guides for new and used cars with reviews, advice, and pricing comparisons. Used cars should undergo a thorough inspection by a mechanic before purchase. Auto Center provides an automotive guide and tools for new and used car needs.

Are You Seeking That New Car Loan?

Nothing screams 'total independence' quite like being able to buy your own car and not just any car mind you, but your actual 'first car'! You want the hottest and newest model on the market but the first time car buyer; you maybe shocked at all the costs involved.Before getting a new car loan, you have some financial obligations to settle before sliding into the front seat. You must first apply for a new car loan.If you need a new ride, it's time for you to consider applying for a new car loan. Since new car loan options are varied and extremely abundant these days, it's the wisest to have some useful information handy when it comes to finally taking that big leap into acquiring your new car loan - and your beautiful new car, of course!What are the benefits of applying for a new car loan? Well, to start with, new car loans actually give you the option of scoring a car that will surely be able to get you to places, a car that you can depend on especially during those times when you're really running late for an appointment. In short, a brand new car! A brand new car gives you the peace of mind as well as the satisfaction that you're driving something that is of real quality.In spite of a seemingly minor drawback of spending a tad bit more as compared to just buying a used car, experienced car owners unanimously agree that if you are responsible enough to take on a new car loan, the pros out weigh the cons. If you're debts are well organize and you have a stable job, then you're obviously MORE than worthy of 'spoiling' yourself! Make your way to the nearest new car loans line and apply for that new car loan which will get you that once elusive 'first car'.A car loan calculator can be offered free on the internet as an Excel Spreadsheet Download Area. It is ready to use. All of them have several loan scenarios on one 8x10 printout, allowing you to make quick decisions about your car loan. You can also find car loan calculators online at E-LOAN and Capital One Auto Finance. If you have a PocketPC type PDA, you can download a version of some car loan calculator for PDA. You can use the spreadsheets to compare online auto loan rates to the car dealer auto loan rates. New car financing has never been easier for you.Here are some general kinds of car loan calculators and see which works best for your car loan needs.Free Car Loan Calculator - There are tons of free car loan calculators around, especially on the internet. Remember most of the calculators are just to work out what you're ideal monthly payments should be and are NOT a quote. There are free car loan calculator links all over the net.New Car Loan Calculator - New car loan calculators help you work out your ideal monthly payments. A lot of new car loan calculators can be used for a variety of uses like used car loans. With this calculator, you can usually enter your own interest rate for your loan.
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Top 10 Reasons to Buy a Used Car Vs a New Car

Buying a used car is a great way to save some money and still get the car you've been searching for. Whether you're constrained by your pocketbook or have certain automotive needs that must be met (such as a backseat for the kids or four-wheel drive for winter weather), today's used car options deliver almost everything new cars do and at a lower overall cost.1. DepreciationThe second you drive a new car off the lot, its value depreciates by as much as 20 percent. Studies show that most cars are only worth 60 to 70 percent of their original value three years after their purchase. When you buy a used car, all the depreciation has already been absorbed by the original owner.2. No Overpriced Dealer RepairsWhen you purchase certain makes and models of new cars, the parts covered under warranty aren't valid if you use your own mechanic. In these instances, your only choice is to return to the dealership to get your repairs done. This is basically the dealership's way of getting you into their shops with their overpriced service. When you buy a used car, you can get repairs done on your own terms.3. Save MoneyBuying used cars whether you are buying from a used car dealership, car classifieds, or online sites like Craigslist simply costs less money than buying new. New cars run an average of $25,000, while used cars are closer to the $10,000 range. If you're buying from a private seller, you might even be able to haggle the price down or barter to keep costs low.4. Save the PlanetWhile buying a hybrid car might seem like a great way to go green, it actually takes more energy to build a new hybrid than it does to buy a fuel-efficient used car. Every time a hybrid comes off the assembly line, it takes about 46,000 miles of driving before the car breaks even? in the amount of energy it saves through fuel efficiency. Buying a used car in the first place as long as it's not a gas guzzler will actually reduce your carbon footprint.5. Lower Car Insurance RatesCar insurance rates are higher for new cars than they are for used cars. The reasons are simple: new cars are more likely to be financed (and therefore need full coverage), and annual insurance rates can run as high as 20 percent of a car's sticker price. Buying a newer, more expensive model can end up costing you money for years.6. Higher Used Car StandardsThanks to new lemon laws and auto history check websites, it has become easier than ever to determine if a used car has undergone any major damage. Some used car dealerships also offer used car certification, which guarantees that they have been looked over and approved by a qualified mechanic.7. Avoiding Car DealershipsWhen buying a used car, you have a number of places to look. You can peruse car classifieds, visit eBay or Craigslist, or opt for a used car dealership. New cars typically only come from one place - the dealer - so you have limited options when it comes to salesmen and haggling over prices.8. Finding Good DealsOwners of new cars can be a pretty finicky set. Many people turn over their cars after one or two years simply as a matter of course, while others may decide that the monthly payments are too high to continue. If you take the time to look for quality used cars, you might find some incredibly good deals from individuals who are motivated to sell.9. More Bang for Your BuckWhen you drive a new car straight off the lot, you typically pay for every added feature. When you upgrade to include a sunroof, tinted windows, and a spoiler, you can leave with a total price thousands of dollars higher than the sticker price. Used cars with these same amenities might cost a little more than those without, but not nearly to the same extent.10. Used Cars can be just as Reliable if carefully inspectedAlthough buying a new car may seem like a more responsible choice, no car purchase is guaranteed to be hassle-free. Factory recalls, faulty parts, and required maintanence repairs can occur just as easily in a new car as they can in a used car. As long as you have your used car purchase checked out and you take good care of it, the overall reliability of your car can be just as good as a new car. Further, cars have also become more reliable with advances in technology.Buying a car - regardless of whether you choose new or used - is a major endeavor that can put a strain on your finances for years. Fortunately, most of the benefits of buying a used car have to do with money. As long as you take your time, evaluate your prospective purchases, and have a mechanic check out the used car before you buy it, you and your used car can spend many happy years together.

Get a New Car Loan

car loan is simply a way for you to go about paying for the car that you are looking to purchase. You are going to take out a car loan from a financial lending company and bring it to the car dealership with you. The reason for going about doing this is because the moment that you bring your own New Car Finance to a car dealership you are then considered what is known as any cash buyer in that you can buy the car pretty much out right from them just as if you are paying for it in cash in the first place. You can then you should car finance in order to either buy the car that you want from them or you can also use it to lease a car through them.

When you go about getting yourself a great deal on the type of used cars that is going to last you for a long period of time you might end up thinking that it's something that is based upon a roll of the dice or something to that extent. The reality is however that it really depends on each exact amount of time and research that you are willing to put in to in order to empower yourself with the knowledge that is required in order to get the best possible deal on a New Car Loan that you can get for yourself. The bad credit used car loan that you will end up getting for yourself really is going to end up helping you get a very easy to manage and budget priced because the monthly payments are going to be fairly lower than at what you would normally expect from a car dealership as well as the interest rates on it should also be considerably lower than what you would get from used car dealerships. The reason you and make sure that you do this actually correctly is because you not want to end up having to get locked in to why it is known as an upside down car loan. This is aware you end up having your New Car Loan being worth more than what the price on a used car but you are trying to purchase or are purchasing it is. You should not be afraid about this though because there are a few different things you can do that can guide you in finding yourself the best financial deal on a bad credit used car loan.

Is it Time For a New Career Change?

Career change is one of the most important decision and the most important step in ones life. This career change can alter ones life completely and change it for ever. People change careers because they find their current careers boring, monotonies, and unchallenging. There are people who change their careers because they want to try out something new. There are many career changing options available. The industries have become more flexible and are welcoming multi tasking individuals. There are many examples of people who have changed their careers and have been successful at it. A few important things that one should consider before changing one career are that The fore most thing is to identify the correct reason for which you are changing your a career. There can be many things like friend's influence, monotonous job, lack of growth opportunities, lack of passion, lack of incentives, etc. Once you understand the basic reason why you want to change your career then you will be in a position to think of the new career options. The second most important thing is to choose a new career. The choice of the new career should be made according to the job opportunities, the growth option, and the pay packages and last but not the least your passion for the new career. There is no point in changing ones career just for the sake of changing it. One should have a strong enough to change his or her career and then also should be confident of doing well in the new career. Then one should also check out the courses that are on offer for the new career. Taking these courses will help you get a better job in that field and will also be helpful for your growth. There are many part time courses that are available and can help you change your profession. For, example if an IT professional undergoes a part time course for fashion designing and if he is good at it, then he can change is career and become a fashion designer. If there is commerce graduate and he undertakes computer language courses then he can turn into an IT professional. There are no limitations on which course you can undertake or which sector you can work in, each and every career has some pros and cons. There are also career options like modeling, acting singing, drawing, carpentry, sports, business, stock brokers, etc. While making a career change decision, you must ensure that you have some financial back up, in case you have to wait for a while before you land the new job. This financial savings back up will also allow you some time to deliberate over the various options and will not force you into making a decision in a hurry. After all, your first career choice may have been influenced by peer pressure, parental insistence or simply something random you thought you would like to try. A career change may be a way to correct some such mistakes or simply a way to experience something new.

Auto Body Repair Or Just Get A New Car?

It is hard to not be able to think of not knowing anyone who at one point needed auto body repair. That would not surprise you at all since there were 220 million vehicles on U.S. roads in 2003, a figure that had been growing steadily at approximately 5% per year. We can use this figure to project that there will be more than 275 million vehicles on the road in 2008. More vehicles means a larger market, and an increased number of minor accidents as streets and parking lots become more crowded. So, when so many people get left in the situation of needing auto body repair, the thought of just buying a new car comes across their thoughts. Yes, it is hard to find a good auto body specialist and yes it is going to cost you some money. However, it is beneficial to fix your existing car. So what are some reason why someone would need or want auto body repair? Or may simply consider buying a new car? • Prevent corrosion • Reflects on personal image • Lease end responsibilities • Inspires safer driving • Prevent police stop for damaged vehicle • Prevent spouse awareness of accident Here are some things to consider before making your decision. Buying a new car can be an exciting thing! However, once the excitement wears off you still have to make those high car payments for at least four to five years. With our economy not doing so well and many people losing their jobs or taking pay cuts, who is to say that you are safe to commit to a four to five year agreement? Not saying this is true for everyone, just that it is something to consider. Also many people may want to make a life decision such as retirement, a leave of absence from work, or deciding to go back to school. However with a car payment amongst their other monthly bills most would not be able to afford doing that. So this is a decision that requires a lot of consideration. So, instead of just buying a new car, you should consider auto body repair for your vehicle. Auto body repair is where the existing metal panels on your car are repaired, rather than just buying a totally new panel. Many dealerships and collision centers may only offer replacement and not repair. It is takes a knowledgeable and skilled mechanic to perform work like this. So when choosing an auto body repair shop, you should carefully choose one. This will cost you some money, however not nearly as much as buying a new car would. Also some auto body shops will take most car insurances, and may even help you work out the details with them. This is not only an option for those who are trying to save money, but also for those who simply already like their car! So in the end most people are choosing the most cost effective option in, you should too!

Regain the New Car Scent With Proper Automotive Upholstery Care

Time may have caused your car interior to stink like a combination of a thousand stench ranging from tobacco, socks, coffee, or wet dog. It is very difficult to regain the new car scent with the upholstery absorbing years of dust and other pollutants. Car upholstery is made from different materials like leather, cloth, or vinyl. Cleaning of the interiors and the upholstery may be difficult and expensive since professional cleaners charge very high fees to remove the minutest of stains. Cleaning the automotive upholstery takes patience and a little help from common household products. One may maintain and clean the upholstery from minor stains but big ones are better done by professionals who employ strong cleaning solutions without damaging the upholstery. Cleaning Common Car Upholstery Problems • Dust- Car upholstery can easily be cleaned from surface dust using a vacuum cleaner. Extension tools of the vacuum will help reach gaps and crevices to get rid of dust in between automotive upholstery. Cleaning solutions like leather or vinyl protector will help maintain them in great condition and make them more durable for long. • Spills – No matter how one avoids spills on the car upholstery, bad things happen when we hit a bump on the road. The key to cleaning it is by soaking as much of the liquid out of the upholstery as soon as possible by using rags or paper towels. Press the towel against the upholstery to get rid of as much liquid as possible. Damp cloth can be used on spills on leather seat covers. Leather upholstery is best treated for misfortunes like this by using protectants on a regular basis to maintain the supple feel of the leather. It is best to avoid build up of dust or dirt on leather seats. • Heavy Stains – Heavy stains are so unsightly. One quick remedy is to use baby wipes to absorb the fresh stain. If they don't do the cleaning trick then try to brush a little soda water on the upholstery. • Bad Odor – Automotive upholstery can easily absorb any odor from the circulating stale air inside or from air coming from the outside. A cup of coffee or a bag of fries can have tremendous effect on the smell of the car's upholstery. A quick solution to this problem is opening the windows and spraying deodorizer to the interiors. Shampooing the carpet may also get rid of cigarette smell and improve the quality of air inside the car. If the smell stays it is recommended to consult professional upholstery cleaners who have the proper tools and cleaning materials. • Leather Upholstery – Aside from applying protective liquid to the leather upholstery, regular cleaning and avoiding of extreme heat will lengthen the life span of the leather. Cleaning automotive upholstery is the best solution to have that new car scent once more but like the cliché goes prevention is still better than an ounce of cure. Cars are considered major investments. Aside from keeping the engine in top mechanical form, taking care of the interiors especially of the upholstery will make our driving experience more pleasurable and more comfortable.If you are learning to drive you can practice your theory test at theorytest.co.uk. If you have been in an accident while driving Real Compensation can help you claim car accident compensationSource:www.isnare.com

Financing Your New Car

You can get a good deal for a car loan by maintaining an excellent credit score, buying an inexpensive or used car, putting up a substantial down payment, and carefully researching all of your options before driving away with your car from the showroom. Getting a good deal for financing your car involves low interest rates and monthly payments to the finance company that will not adversely impact your budget. If you are harassed by a high monthly payment to the finance company your enjoyment of the car will diminish. Taking a practical view that a car is a mere utility tool to get you from point A to point B and not an image enhancer is the first step in buying a car. To negotiate a good deal on a car loan, you need to have a good credit score. There are three major companies that give you a credit score and finance companies explore your credit score before cutting a car loan deal with you. Your credit score is made up of many components. Thirty five percent of your credit score will be based on your credit history of timely repayment of loans, timely payment of bills and general financial discipline. When it comes to your credit history it is recommended to have a good past in order to get a better future. Thirty percent of your credit rating is based on the debts you owe, fifteen percent on the length of time for repayments of loans, ten percent on the number of new loans you have applied for and the final ten percent on the types of credit you have. Credit rating agencies are not absolutely accurate and their inaccuracy has been often exposed in lawsuits so it is wise to check your score and dispute any inaccuracy. A common misconception is that taking loans for a longer period of time helps lower the interest payments. In fact, it makes you pay for a longer period of time. Some people buy expensive cars by taking long term loans. The disadvantage is that if you want to change the car, you are stuck with the large payment on the expensive car and this can limit your freedom of choice. Buying an inexpensive yet safe car makes sense and gives flexibility. Putting up a larger down payment will actual reduce your interest payments and loan repayment. Buying a car for which you can put up at least twenty percent as down payment will make the payback seem less stressful and you can negotiate a lower interest rate from the financier. Knowing your financier and their offer is very important. Before negotiating with the dealer you must find out from your bank if they give car loans. This will give you an alternative if the car company's financier does not give you a loan on your terms. Sometimes dealers promise to find you a good financial option and give you the keys of the car only to tell you that they could not get you a financial deal after you have used the car. To be on the safe side it is best to take delivery of the car after all the financial papers are in place and agreed upon. Some financiers may promise interest free loans. Interest free loans should be regarded with caution because lenders expect an exorbitant down payment before giving you the loan. Informed research on the problems you may face before financing your car gives you leverage to negotiate the deal. Once you have an affordable car loan in place you can explore the joy and convenience of your new car without financial stress. .

Dealing With a Dealer For a New Car

You've seen a great car that you want to buy on TV. To buy the new car, your next stop is at the car dealer's showroom. The dealer may be the most reputed in town but unless you do your homework, you will never get the deal you want for buying your dream car. Before you go to the dealer's showroom you must gather as much information as you can about the model of the car that you plan to buy. Is the car one you can afford and are the monthly finance payments easy on your budget? Was there a rebate offered on television that tempted you to buy the car? Check out the mileage and fuel efficiency of the car. Find out how Insurance companies rate the safety of the car and if required ask other owners of the make and model of the car. Also, visit internet forums to find out the pros and cons of the car from other owners. Discounts and rebates differ from State to State and you could cut costs by getting a rebate by buying the car in another state. Explore independent finance options for your car. Sometimes the manufacturer's financiers may not be willing to finance you. When you get to the showroom and find the car of your dreams, you must read the offer carefully, as well as understand all the qualifications, the limitations of any restrictions, and all that is excluded by the contract. You must explain to the dealer that you were looking for the rebate or other incentive as seen on TV. All dealers do not subscribe to company incentives and telling the dealer your reason for buying the car upfront will save you and the dealer valuable time. If the dealer does subscribe to the manufacturer's sales incentive then you can further negotiate the costs of your new car. Ask for details of all the fees and charges that you will be required to pay in writing. The dealer's prep alone can increase the price dramatically. You can negotiate the dealer's prep because the dealer is paid by the car company and should not saddle you with a costly dealer's prep bill. Look over the car carefully before the purchase and find out if the bait in the ad that lured you to buy the car is actually in place. You must inform yourself about the terms used in pricing the car. The invoice price is the price that is the initial charge by the manufacturer to the dealer. The invoice price almost always includes delivery and you should make sure that the delivery of your new car is part of the invoice price. Federal law requires that manufacturers put a Monroney sticker price on the car which can be removed only by the purchaser. All other costs are extras charged by the dealer. The dealer puts the dealer's sticker price with his or her charges. Buying a new car and cutting a deal can be easy and stress free if you research all of your options thoroughly and negotiate with the dealer with the informed wisdom of a pro.

What Are the Best Times of the Year to Buy a New Car?

As a prospective buyer, you often wonder when is the right time for buying a car. Are there certain periods in the year more suitable for it? If yes, then what time is it? Manuals on how to buy a car that tell you about this, more often than not burn a big hole in your pocket. But in contrast to these lengthy expensive manuals, we here offer you some valuable advice that will not take up much of your time and come absolutely free. There are various theories one encounters while researching on the topic. One such theory states that the best time to purchase a car is during Christmas. The whole Christmas season has people shopping for gifts and generally no one is interested in buying a car. As a result, dealers are more open to bargain and salesmen settle on a lower price more readily. Hence the chance of your offer being accepted without too much haggling is greater. This theory further proposes that you can also get a good deal from the month of July to October as it is around this time that dealers try to get rid of old stocks to accommodate new arrivals. In order to provide space for the new models dealers willingly reduce prices of the present range. Despite the fact that these cars apparently seem cheaper, we believe that clearance sales are not that favorable to buyers for reasons more than one. Especially in case of used cars, you run the risk of purchasing a car that has not been sold earlier as it is most out of shape. Another theory dismisses both of the above statements and recommends that the best time to buy a car is when you feel you are ready to buy a car. It is when you are sure of what you want and have already done the required homework. Car dealers and salesmen are only interested in their own pay checks and will do their best to sell you a car that will give them the highest commission. They also try to hurry you into buying a car the moment you enter the showroom and it is due to this created sense of urgency that you end up buying the car they prescribe and not the one you want. Irrespective of when you decide to buy a car, the key to getting a good deal is information. Be it at Christmas, or during clearance sales or anytime that is suitable for you, it is very important that you research thoroughly the models you are interested in. Make sure you are clear about the things you are looking for in your new car and already have an idea of the deals currently available on the car of your choice. You can really buy a car anytime provided you are well prepared. If you are still not feeling very confident here are four simple steps to help you profitable deals while looking for a car no matter what time of the year it is. i) Some dealers refuse to bargain over the price of a car. If they accept you opening offer too willingly and do not try to barter for a higher price, there might be something wrong. Go somewhere else. ii) While negotiating the cost of a car do not discuss the monthly expenses the car entails. Instead focus on the price of the car and its various features. You'll end up playing less. iii) If you are thinking of buying a new car never wait till your old car has totally stopped functioning. If you are desperate for a car, the car dealer will sense that and take advantage. Make sure you have enough time so that you can look around and settle for the best deal available. Never shop under desperate circumstances as it stops you from making correct judgments. iv) Make sure that you have researched enough before settling for a car. Check whether the car suits your needs before any money changes hand. We believe that the best time to buy a car is not any particular month or season. It is not a particular date on the calendar but any time when you are in the position to make the requisite inquiries and do the necessary. We suggest that you purchase one of the widely available books that discuss this subject and begin by reading it. So go ahead and see yourself get a car you can be proud of. We wish you best of luck.

Should You Buy a New Car - Or Opt For a Lease Takeover

If you have been thinking of buying a new car for yourself, or buying a second car for the family's needs, or a new truck, or SUV for your business needs, or leasing a Vehicle/Car, you should also take a look at Car Lease Takeovers besides buying the vehicle outright or even with a Car Loan or leasing a car. Vehicle Lease Takeover may seem complicated, but it is not, and it may turn out to be a better option than buying a car outright or buying a Car with a Car Loan. Besides the option of buying a new vehicle or car outright or with a bank loan, an individual can lease a vehicle/car for a few years, and then give it back to the leasing company at the end of the period. A Vehicle/Car lease is based on the simple concept that an individual will be paying the amount by which a vehicle's/cars value is depreciated during the time that they are using it. Depreciation simply means the difference between a vehicle's/cars original value and the value at the end of the lease period, and this is the factor that determines the cost of leasing. Buying a car outright or on a Car Loan, or leasing a vehicle/car are options of acquiring a Car, but a Car Lease Takeover is another option you can think of. Lease Takeover and Lease Transfer Companies assist an individual to exit a Lease early by marketing the vehicle/car to lease buyers seeking a short-term lease transfer. Lease buyers can takeover a lease that fits their payment budget as well as select a lease term that fulfills their requirements. A leased Vehicle/Car comes up for a Lease Takeover when someone has leased a vehicle/car, but is unable to continue paying the lease payments to the car leasing company. The biggest advantage of a Vehicle/Car Lease Takeover is the fact that you are taking over an existing lease and just have to get the Lease Transfer to your name. The individual forgoing the Lease has paid most of the initial down payments, monthly payments, and charges when leasing the vehicle/car, and you don't have to pay these fees again as it is not a fresh lease but a lease takeover. But you do have to be aware of and enquire thoroughly with the Lease Takeover Company regarding the costs of a Lease Takeover and the type of lease. You can also get many offers and incentives from the individual trying to get out of a lease. The Company will guide you on all procedures and paperwork involved in a Lease Transfer and getting the Car Lease transferred to your name. Almost all Lease Takeover and Lease Transfer Companies have websites where you can register and browse online for Vehicle/Cars in the listings for lease takeovers. Whichever Vehicle or Car brand you may be looking for or thinking of buying, a Lease Takeover and Lease Transfer Company lists hundreds of Vehicles and Cars of many brands, makes, models, and years of usage. Whether it is a Ford, Chevrolet, Buick, Honda, etc of whatever make, model, and year, you will find your vehicle of choice, within your budget, at a Vehicle Lease Takeover and Transfer Company. If the Company does not have a Vehicle of your choice or within your budget, they will look for one and inform you as soon as they find the vehicle of your choice. For more information and assistance with Lease Takeovers or Lease Transfers in Montreal, Quebec, and all over Canada, please do visit our site or write to us - http://www.quebecleasing.com/en/ (English) and http://www.quebecleasing.com/fr/ (French)I am a Microsoft Certified Professional (MCP,MCSD, MCAD.Net,MCSD.Net, MCP-.Net 2.0). I have been conducting Training and Certification Guidance for Microsoft Certifications.I also own and manage a SEO Company.Source:www.isnare.com

New Cars From Pontiac In 2009

It's been confirmed that Pontiac will be selling the G3 5-door hatchback in 2009. The vehicle is based on the Chevrolet Aveo5 (also known as the Daewoo Kalos in Korea). The sedan version of the G3 was sold in Mexico previously and also sold in Canada as a 5-door hatch that was called the G3 Wave. The G3 will be mechanically identical to the Aveo, using a 1.6 liter 4 cylinder engine along with a 4-speed automatic / 5-speed manual transmission. Features will include GM's OnStar system, AC, airbags, and more. The car also comes with standard fog lights and a hatch spoiler to improve the style of the car. Although it is an economy hatchback, the G3 adds a different flavor to the Pontiac line of cars. Also, in 2009, Pontiac will have 4 cars with EPA highway fuel economy of over 30 mpg, making it a lot more competitive in today's car market. These vehicles include the G3, Vibe, G6 sedan, and the G5 coupe. The price has not been determined as of yet. The G6 nameplate was new when the sedan and coupe came out in 2005 (with the convertible following), but the G6 is ostensibly the sixth-generation version of the Grand Am line. The G6 is also available in hardtop convertible form. Trim levels start with the base sedan, fitted with a 2.4-liter four and a four- or six-speed automatic. The G6 GT comes in all three body styles—it's the only droptop trim—and has a 3.5-liter V-6 with a four-speed auto. The GT convertible can also be optioned up to a 3.9-liter V-6. At the high end are the GXP sedan and coupe, with a 252-hp, 3.6-liter V-6 with variable valve timing. The GXP recalls the body-clad Pontiacs from days of yore, with a giant rear spoiler, large grille, and hood scoops inspired by the successful Pontiac GXP.R that races in the Grand-Am Rolex Sports Car Series. The look doesn't translate well to the street. The Pontiac G6 is based on the same unibody platform as the Chevy Malibu, but the newer Malibu benefits from three additional years of development and a vastly better interior. By comparison, the G6 feels like a rental car, with cheap plastic coating the cabin. A six-speed transmission is a new option for the 2.4-liter base car, and it results in an impressive 33-mpg EPA highway rating. Remote start is now standard on GT and GXP models. We picked the G6 convertible first in a comparison test against the Ford Mustang and Chrysler Sebring, but it's worth noting that the trunk is all but unusable with the folding hardtop stowed. We're not huge fans of the aggressive styling of the GXP, but someone—somewhere—must love it. The GT lacks any driving thrills despite 221 horsepower. That leaves the base car, which has appeal in its lower sticker price and higher fuel economy. Our best recommendation, though, is to walk over to the Chevy dealership and look at the Malibu. Front, front side, and curtain airbags are standard on the sedan and coupe; the convertible makes do with front and front side bags. ABS and traction control are standard on the base and GT cars. Stability control is standard on the GT convertible and GXP models; the GT sedan and coupe get stability control as part of a $1590 Street Edition package.When shopping for a new car, consumers should pay close attention to the tires the car comes with as it can affect performance, safety, ride comfort, and much more. Research information about Goodyear tires and OZ wheels before purchasing rims and tires.

If An Earthworm Can Grow A New Body, Why Can't A Human Grow New Cartilage For Their Knee Or Hip?

If a tadpole's tail is cut off, it will grow a new one. If a salamander's leg is cut off, it will grow a new one. If an earthworm is cut in half, it will eventually grow a new half. If a snails head is cut off, it will grow a new one. (Osborn HF, Wilson EB. Regeneration. Columbia University Biological Series. Macmillan Company. 1901) Regeneration in lower forms of animals has been known about for at least a century in the scientific community. The primary reason lower forms of animals are able to regenerate lost limbs while higher forms such as humans can't, has been the subject of much conjecture. The most reasonable explanations include: 1. Stem cells in lower forms of animals are plentiful and available in sufficient concentrations to hasten regeneration. 2. Stem cells are in closer proximity- meaning that these animals have very simple organs that aren't nearly as compartmentalized as those of higher animal forms. What this means is that once a cell has differentiated into a heart cell or lung cell, it is committed. It cannot reverse the process. And, since stem cells are not that plentiful in the normal bloodstream of higher animal forms such as humans, the ability to regenerate lost tissues is limited. 3. Finally, the amount of differentiation of cells into more complex and different types of organs is not quite so pronounced in earthworms and salamanders as compared with higher forms of animals. Brains, heart, and lung tissue are highly developed, very complex organs. And... these organs are located far away from a large supply of stem cells since stem cells are rarely found in the peripheral blood. An earthworm or salamander doesn't have to worry about this problem! Mammals do have the ability to "regenerate" to the extent that most wounds will heal over time. However, the ability to heal degenerative processes or manufacture new organs has been an elusive target. At least until recently... It turns out that stem cells, the progenitor cells of all cells in the body, are what allow massive healing to take place. (By progenitor, I mean that stem cells are capable of differentiating into any type of organ cell). In higher mammals such as humans, the number of stem cells required for massive regeneration is not available under normal circumstances. Stem cells are sparse in the general blood circulation. They are,though, present within bone marrow where they are called "mesenchymal stem cells." However, in the adult, even in the bone marrow, stem cells need to be concentrated in order to be effective for tissue regenerative processes. The lack of sufficient stem cells in peripheral tissues as well as the absence of triggering mechanisms which can send the stem cells into the "warp speed" required to help with regeneration also aren't present under normal circumstances. It is this relative lack and access to stem cells that has presented researchers with the problem of how to produce the same kind of healing in human beings as is seen in lower forms of animals. Recent development in stem cell biology has shown much promise. For instance, autologous stem cells (cells obtained directly from the patient) have been used to help heal an ailing heart (National Geographic, July 2008). And in a more recent article (Parade Magazine, September 28, 2008), investigators at the Hospital for Special Surgery in New York City have mentioned the possible application of stem cells and platelet rich plasma in the treatment of arthritis. It appears that a number of requirements must be met in order for the magic of stem cells to take hold for conditions such as osteoarthritis. First, a large number of stem cells are required. This involves taking stem cells from the bone marrow of the patient and concentrating them. Second, the stem cells must be viable, meaning the concentration process cannot damage the stem cells. Third, a "trigger" such as platelet rich plasma must be provided in order for certain substances such as growth hormone to stimulate the stem cells to replicate and differentiate. Fourth, the arthritis area must be prepared properly. That means "injury" must be induced. Injury should be sufficient to induce stem cells to proliferate and differentiate but not enough to render stem cell therapy useless. In other words, special techniques need to be applied. Fifth, the stem cells and platelet rich plasma must be introduced in such a fashion that a framework or scaffold is prepared so that stem cells have a place to "latch onto to" so they can accomplish what needs to be done. A small number of centers in the U.S. are working on such as procedure. Early results look promising. At the Arthritis and Osteoporosis Center of Maryland, exciting work in the field of stem cells and their application to treating osteoarthritis is ongoing. According to Clinical Director, Dr. Nathan Wei, "Stem cell research is probably the future of treatment for osteoarthritis. We have to work on newer and better techniques... and also provide data that can be used to assess the efficacy of this type of therapy. To date we have treatments that help with symptoms... but we need therapies that can actually regrow cartilage and other damaged connective tissue. Currently, we are in the middle of some very interesting work that looks very encouraging. The results are in the preliminary stages, so while the early evidence is extremely promising, longer term data is needed. We are harvesting and concentrating mesenchymal stem cells. We are also providing a scaffold for stem cells to proliferate and grow. Unfortunately, cartilage tissue grows relatively slowly... but we have to be patient. If the objective evidence- thickening... or growth of cartilage- matches the symptomatic improvement we've seen, this will be a major breakthrough!"

Buying New Cars

No matter what you are looking to buy you typically try to find the best deal out there, and I am guessing that it is pretty much a guarantee that if you knew about a great way to get great deals you would take advantage of it. One of the most difficult place to find a great deal is in the car industry where dealer incentives and cut throat industry practices push the prices up and up without consumer say in the process. However, there is one secret that has been kept tight and that most people think of as simply and urban legend that is to buy new cars at the end of the month. The first reason why purchasing a vehicle at the end of the month can be so good for your pocket is that dealerships force the dealers to maintain a quota, moreover they incentivize them to make more than their quota. The quota is usually tallied up at the end of the month to determine how well each sales person is doing and therefore they are pushed to sell as many cars as possible as the end of the month comes. Furthermore, in desperation to sell enough cars to keep their jobs or receive extra benefits salesmen will often forgo a large profit on vehicles and will be quick to lower the price as the time for meeting their quota comes around. These incentives go beyond the small sales person and the local dealership, the manufacturer of the vehicles often times also offers some incentive to going over quota and also set aggressive sales goals that the dealerships usually have to truly work hard to meet if they have had a slow month. The next reason why you can milk the salesmen for a good deal by the end of the month is that in recent years with the increase of information available for free on the internet, people have become better negotiators, and the people selling the cars have to rely more and more on the bonuses that they receive outside of their commission which they have to give up to intelligent consumers. Finally is the fact that the sales managers, who are responsible for the number of vehicles that the dealership sells in the month and keeping track of the vehicles on the lot, have to push to sell more vehicles in order to keep the corporate headquarters happy. So now you have to know how to get a good deal, you should start by finding vehicles that they have multiple of. If there are 3 or 4 of the same vehicle sitting on the lot than you can usually get an excellent deal on one of them because the dealership will be hoping to move them out ASAP. Also, the largest inventory will get you the largest discount so going to a larger dealership that is in trouble can get you a vehicle that is much more affordable than going to a small dealership with specialized cars.

Buying New Cars

No matter what you are looking to buy you typically try to find the best deal out there, and I am guessing that it is pretty much a guarantee that if you knew about a great way to get great deals you would take advantage of it. One of the most difficult place to find a great deal is in the car industry where dealer incentives and cut throat industry practices push the prices up and up without consumer say in the process. However, there is one secret that has been kept tight and that most people think of as simply and urban legend that is to buy new cars at the end of the month. The first reason why purchasing a vehicle at the end of the month can be so good for your pocket is that dealerships force the dealers to maintain a quota, moreover they incentivize them to make more than their quota. The quota is usually tallied up at the end of the month to determine how well each sales person is doing and therefore they are pushed to sell as many cars as possible as the end of the month comes. Furthermore, in desperation to sell enough cars to keep their jobs or receive extra benefits salesmen will often forgo a large profit on vehicles and will be quick to lower the price as the time for meeting their quota comes around. These incentives go beyond the small sales person and the local dealership, the manufacturer of the vehicles often times also offers some incentive to going over quota and also set aggressive sales goals that the dealerships usually have to truly work hard to meet if they have had a slow month. The next reason why you can milk the salesmen for a good deal by the end of the month is that in recent years with the increase of information available for free on the internet, people have become better negotiators, and the people selling the cars have to rely more and more on the bonuses that they receive outside of their commission which they have to give up to intelligent consumers. Finally is the fact that the sales managers, who are responsible for the number of vehicles that the dealership sells in the month and keeping track of the vehicles on the lot, have to push to sell more vehicles in order to keep the corporate headquarters happy. So now you have to know how to get a good deal, you should start by finding vehicles that they have multiple of. If there are 3 or 4 of the same vehicle sitting on the lot than you can usually get an excellent deal on one of them because the dealership will be hoping to move them out ASAP. Also, the largest inventory will get you the largest discount so going to a larger dealership that is in trouble can get you a vehicle that is much more affordable than going to a small dealership with specialized cars.

Choosing a New Career Path

If I were to choose a different career path altogether, I would definitely choose a job that will give me so much freedom to be my self and express my creativity and ideas that are never wronged or mistaken to be passé. Being a Celebrity Wedding Planner is a career that has gained so much respect and reputation among millions and millions of people; both the famous and infamous alike. Celebrity Wedding Planners have established lasting friendships with celebrities and other renowned personalities which in itself is a glorious achievement altogether. Imagine working and earning as though you are just having a fun night out or coffee meeting with your friends and loved ones and discussing about deadlines and plans that do not seem very hard to retain in the head. Not that the work of a celebrity wedding planner isn't hard in itself because I bet it is, not to mention all the deadlines and demands of some celebrities that are sometimes out of control, I still think that it is a great career that will give you a spot in the limelight. Imagine if I were a renowned celebrity wedding planner, all the other celebrities probably know how I work and how professional I am in my chosen field. People would know me for the celebrity weddings I planned and would call on me to plan theirs or their relatives. Being a celebrity wedding planner would make me earn millions and would be my key to ultimate stardom – something that most people dream of. Taking into consideration all the prestige that comes with the life of a celebrity wedding planner, I cannot help but think how lucky they are. They are able to work very closely with celebrities and get to actually stay at their house or join them on trips in search of the perfect pieces to design their wedding. With this in mind, I wonder if real celebrity wedding planners still feel all giddy and excited when they deal with famous celebrities or do they get bored because of the commonality of the situation. Do celebrity wedding planners still realize how lucky they are to be working with real celebrities many people would die for just to get a photograph signed? Speaking only in behalf of my dream of changing my career path could be nothing compared to the actual experiences, both positive and negative, real celebrity wedding planners have. Whatever it is that comes to mind when they are called to plan a celebrity wedding, I would probably never know. But thinking of how great it probably is makes me day dream of the day I could get to meet my favorite celebrities and plan their very own wedding for them. This is definitely something that I had in mind as a career since I was a young child. To able to achieve this will truly be a dream come true. This is with the deepest and greatest hope of making my most utterly inexplicable day dreams come true.