Only Three Things Worth Buying in Finance

In a perfect world, a finance manager, business manager, or whatever title is given to the person in the back that prepares paperwork will be just that: the person that prepares paperwork. More »

Car Safety Tips to Give

According to the 2000 census, more than 112 million people drive or carpool to work daily. That number is certainly much bigger today, 10 years later. With all these people on the More »

Car Buying Tips

Having car buyers at the dealership, at the negotiating table, excited about a vehicle and ready to make a purchase is the only time the dealership has a chance to really make More »

Lease Vs Puchase On A New Car

There are several factors to consider before deciding whether to buy or lease a vehicle. Driving habits, buying habits, manufacturer incentives, and vehicle rates and depreciation are the primary factors, but there More »

Car Buying Tips

Some very wealthy people have never bought a new car in their lives. With so many super-low mile used cars out there, what’s the point of paying thousands more for a few More »

Car Buying Tips

Having car buyers at the dealership, at the negotiating table, excited about a vehicle and ready to make a purchase is the only time the dealership has a chance to really make some money. The best way they can do this is by making consumers focus on payments.

This is where the four-square worksheet and other tools like it come into play. Usually the four squares show their price, the value of the trade, the cash down, and the payment. Here is a normal method of presenting the deal:

The car salesperson walks in and puts the sheet in front of you, facing you. They point to each square as they go over the numbers.

“This is for ours… this is yours… with $3,000 down, your monthly payments would be $789 per month. Initial here and I’ll go get it cleaned up!”

Whoa, whoa, whoa! $789 per month? $3,000 down? What happened to zero down and $249 a month like the advertisement said?

And just like that, they have you. The last two numbers were so outrageous and spoken out loud. The first two we

Used Car Selling Tips

The internet has become a great place to buy and sell new and used automobiles. In a matter of minutes, you can advertise your vehicle for sale by posting your ad on various paid and free classified ad systems. Compared to traditional newspaper advertising, selling your car on the Internet can be easy, fast and can save you money as well.

The following are a few simple tips for selling your car on the Internet:

Research your selling price
Part of a successful sale involves a reasonable price which buyers will be interested in submitting an offer on. If your sale price is too high, buyers may not be interested in contacting you at all. Initially start by researching your local newspaper for prices for your used vehicle, you may be surprised to find a wide range in price for the particular make and model of your vehicle.

Create an email selling account

At times you may receive junk emails, you may want to separate your sales inquiries from your personal or business email account. Visit Google Mail, Yahoo Mail or Hotmail for a free email

Cheap Car Insurance Tips

With car insurance costs becoming higher every year, there are more and more people looking to purchase cheap car insurance. And even though it’s possible to buy low-cost automotive coverage, the big question is whether it’s worth buying.

We all know that automotive insurance firms can differ greatly. Finding cheap auto insurance is great when you are paying the monthly premium, but by making a mistake regarding the company you decide to do business with can lead to many problems in the future, especially when you are trying to file a claim.

Therefore it’s imperative when you are researching different automotive insurance brokers to not only look at the cheapest quotes you can find. It is important to check out the firm carefully which offers these inexpensive rates. Additionally, there are other ways for consumers to cut the cost of their car insurance coverage regardless of which company you are a policyholder.

Here are a few tips that will help you in this matter.

1. Always carefully calculate the deductible. Remember, the amount of the policy will relate

Only Three Things Worth Buying in Finance

In a perfect world, a finance manager, business manager, or whatever title is given to the person in the back that prepares paperwork will be just that: the person that prepares paperwork.

In the real world, the finance manager is probably one of the best and most persistent salespersons the consumer will ever meet.

They aren’t necessarily bad people. Most are exceedingly friendly and professional, dressed to impress and possessing an easy way that puts people at ease. To a car dealership, the finance manager is the last and best chance the dealer has to make money on a vehicle sale.

There are dozens of methods that the finance manager can make money from you. The good part is that not all of the ways are bad and not all of the products that they will offer are rip offs. In most cases, though, some of the offerings are just not worth the money the consumer will pay.

Instead of going over the details of the different products and suites that aren’t really worth it, here is a short list of items that a consumer should really question and investigate before purchasing:


Car Safety Tips to Give

According to the 2000 census, more than 112 million people drive or carpool to work daily. That number is certainly much bigger today, 10 years later. With all these people on the road, drivers need to take every precaution to ensure they arrive safely at their destinations. Here are some tips to heed for safer car travels, whether it be to work, for leisure, or taking the kids to school.

Know Your Route

Before hitting the road, take the time to map out your route. Motor clubs provide auto travelers with maps and detailed directions to their destinations. Be aware of traffic, construction and weather advisories along your route so you can make alternate plans should these conditions affect your drive. A GPS can be a really smart purchase. Knowing exactly where you are going step by step allows you to pay more attention to your surroundings when driving in unfamiliar areas.

Reduce Driver Distractions

Traffic, construction and careless drivers are distractions beyond your control. However, you can reduce the risk of an accident by decreasing the distractions inside your vehicle. Don’t use your cell phone while driving and certainly don’t try to send

Lease Vs Puchase On A New Car

There are several factors to consider before deciding whether to buy or lease a vehicle. Driving habits, buying habits, manufacturer incentives, and vehicle rates and depreciation are the primary factors, but there are others as well.

— Driving Habits —

This is the easiest qualifier. Every car finance company, whether it is the manufacturer’s division such as Ford Motor Credit, a specialty lender like Wells Fargo, or a personal bank or credit, has multiple lease and purchase programs available.

Determine your mileage habits, taking into consideration travel plans, potential job or housing changes, and anything else that may make you drive more or less than you normally do. Once you have an idea of how many miles you will likely be driving over the length of the lease, find out if there are plans to match.

If there is a good chance that you will go over in miles, leasing is not the best option. If you will not be going over, continue to the next factor. Driving 10k miles per year does not automatically make leasing the best option.

— Buying Habits —

Over 65% of Americans between 25-45 years of

Car Buying Tips

Some very wealthy people have never bought a new car in their lives. With so many super-low mile used cars out there, what’s the point of paying thousands more for a few less miles?

Then there are those who refuse to buy used, regardless of their financial situation. They would rather buy a brand new beater than get into a high quality vehicle that has had someone else behind the wheel.

After all is said and done, it really comes down to personality and goals when deciding between new and used cars. The 20/20 rule applies – 20 percent of people will never buy new, while 20% of people will never buy used. For the other 60%, this article is for you.


Between huge dealer inventories, the option of dealers trading and bringing in a vehicle from another dealership, and custom ordering becoming more popular, the selection factor goes hands down to new cars.

For popular vehicles, it is definitely possible to find a used car. The internet makes it simple for someone to search around the corner or across the country for that perfect used car. Still, it’s nothing compared the

New and Used Car Buying Tips

Did you know that experts claim that female buyers pay, on average, $1200 more than men for the purchase of an automobile? That’s about 5% more on the average vehicle investment! Consumer financial powerhouse USAA commissioned a 2010 survey to get to the bottom of this issue. The findings found that women who did not like to negotiate at the car lot gave two primary reasons for their reluctance:

[+] Feeling Intimidated

[+] Not Feeling Confident

As evidenced by the $1000+ difference in what you may end up paying for your next care, it would be well worth your while to read up on some negotiating tips geared toward female purchasers. First off, you want to know as much as possible about the vehicle or range of vehicles in which you are interested. Technical expertise in the automotive arena will boost your confidence, while demonstrating to your salesperson that you are really know what you are talking about. You also want to have at least one “back-up” vehicle in mind – a car, truck, or SUV which you would be willing to buy if pricing on your primary model is not working out. This also

Secure Financing Before Going to the Dealership

The finance department is one of the last areas where a car dealership can make good, consistent money from their customers. Some dealerships even sell vehicles at cost without fuss or haggling in hopes that their efforts will be rewarded in the finance department.

Consumers can secure their financing online through various 3rd party lending services. They can go to the manufacturer websites and get pre-approved. Some car dealer websites even offer 30-second pre-approvals through their own finance department.

Whether a customer has great credit or poor credit, they should all go through the process of securing their financing before going to see the dealership. It isn’t that customers can get better rates at their bank or 3rd party lender than they can at the dealership. On the contrary, car dealers can normally offer a lower rate 9 out of 10 times, regardless of credit.

The issue is, if a customer doesn’t know the rate they qualify for, a dealership is not obligated to offer the lowest possible rate. Knowing the available rates at a consumer’s particular credit condition is an important first step to getting the best rate available.

Most banks and credit

Car Buying Tips

1) Push, Pull, or Drag Sale

A piece of junk on Wednesday is still a piece of junk on Saturday. There are ads that claim that no matter what condition you trade is in, they’ll give you $1500, $2000, or even $3000 for it in trade.

Foolish people flock in. Some even drive off with a new or used car. They were given $3,000 for their 1983 Chevette and they feel like they just ripped somebody off. The truth is that they probably just got ripped off.

Most car dealers have around $2000 to $2500 worth of markup built into the price of their lower end vehicles and more (sometimes much more) built into their higher priced ones. When they put on their Push, Pull, or Drag sale, all they do is mark up their vehicles an additional amount equal to their “minimum trade allowance.” By doing this, they can give you a ton for your Chevette and still make thousands.

2) $10,000 Best Price Guarantee

This is a great one for traffic. Many dealers claim that if they can’t beat a deal, they’ll give you $10,000. They might as well say they’ll give you $10,000,000, because

Car Buying Tips

Conventional thinking is that it is easier to buy a vehicle off of an individual than it is from a dealership. Fewer hoops, fewer lies, cheaper and less hassle — or is it?

Many car dealers are slowly, surely, and finally starting to become more truthful in their dealings with customers. It isn’t because they ever really wanted to. The information on the Internet in this highly competitive market have forced auto dealerships to “come clean” in many aspects of their dealings.

Car sellers, on the other hand, are still as up and down as ever. There are many people who are honest and straightforward with selling their vehicle, just by nature. Still, there are those who are taking advantage of the Internet and the wealth of resources available to make great money selling as an individual.

Many “individual” sellers actually have a dealer’s license because they are selling more than the limit of cars that an individual can sell in a year. These licenses are not cheap.

With that said, please erase any ideas that car dealers all lie and most individuals do not. Honesty must be judged on a case by case

Protect Against Moisture in Your Exhaust System

Here’s a simple car repair tip that’s easy to implement – keep moisture out of your exhaust system and thereby reduce its corrosive effects. By its very nature, exhaust fumes contain moisture. Some systems contain a drip hole to vacate puddles of water that would otherwise accumulate in mufflers, resonators, cross-overs and other parts of the system. Other systems rely on heat to drive out moisture.

Moisture accumulation in automotive exhaust used to be a big problem with older cars, but improvements in materials have reduced the problem considerably. Even so, it still presents a potential for unnecessary repair if you’re not careful and allow moisture to accumulate.

The most simple way to reduce moisture accumulation in the exhaust system is to minimize brief operation of the vehicle and use it only when you know you’ll be running it sufficiently to heat up the exhaust system and drive out moisture. A good rule is 10 miles of travel. That generally is enough to warm up the car completely.

The idea is to minimize the number of times you start the car up just to move it around in the drive or on the street, and

What Are the Top 5 Car Buying

Getting a car, most especially a new one, is something that can be considered as a big investment on the part of the average individual. In fact, it comes a close second to the purchase of a home. Purchasing a car is indeed a type of decision that needs to be thought of for some time. In a nutshell, the car that you choose to buy should be in good working condition for a good number of years. It should also be able to provide you with the kind of satisfaction that befits the amount of investment that you have put into its purchase.

There are several conditions that need to be addressed and thoroughly considered before getting a car. These conditions remain true even when one is just planning to buy a used or second hand car. Proper research should be done. This way, one will be able to determine the options that are available to him. As a result, he will be able to appropriate decide what car he wants to buy and what car financing options are suitable for his individual situation. A car buyer should consider that purchasing a vehicle without proper research

Getting Some Automotive Service Consulting

Your business can regain some economic losses by getting some automotive service consulting tips that can help you gain business in this tough times. With the sales of new cars dwindling, you will need to find ways that are different to keep a profits coming in. One of those ways is to focus on the service department of your dealership.

People love to take their vehicles to people who are qualified to work on them. At times they will pay more just to make sure the job is done by a licensed professional. However, that doesn’t always mean they will be coming to you for that work. You need to try and make sure you earn the reputation as the best in your area where everyone will go for maintenance.

Nothing can be more frustrating to a customer who needs something done on their car than not being able to get it in to be fixed. For that reason you may need to make a few changes in your business. Especially if this is going to be the mainstay during this time when not much money is coming into your business.

Convenience is a huge

Easy Car Care Tips for the Busy

The life of your typical woman has gotten increasingly hectic through the years. A lot of women today are still responsible for child care and household duties, while maintaining full-time positions in our nation’s workforce. Many women even take on the role of “car care manager” in their families. Typically thought of as a “man’s work”, research by the Car Care Council suggests that women actually account for more than 60 percent of the auto service customers today. In fact, according to American Women Road and Travel (AWRT), women spend over $300 billion annually on maintenance, repairs and purchase of used vehicles.

According to the United States Department of Labor’s Bureau of Labor Statistics, in 2002 almost four out of five mothers of children attending school were also in the paid workforce. In 2003, nearly 3.7 million of these women were working multiple jobs. More astonishingly, the number of employed women in the workforce has risen from 18.4 million to over 65 million from 1950 to 2011. In addition, 63 percent of women work 40 or more hours per week according to the American Federation of Labor-Congress of Industrial Organizations (AFL-CIO).

The truth is that women

Summer Car Care Tips

Summer is the time when we all love to pack up and go on long drives for picnics. We may go with our friends, family or even all by ourselves but we just cannot fight the urge to travel by car when the mercury rises. It helps to follow some special summer car care tips if you want to travel over long distances in the car. Some tips are listed below:

o Tires – You get to hear a lot about the importance of maintaining the tires properly. Bad quality tires can pull down the performance of the car. With the asphalt burning in the heat, the tires bear the brunt of the high temperatures. Hence, you have to make sure your tires are in good condition. Apart of the quality of the tires, you have to make sure you do not over inflate or under inflate it.

o Cooling System – Your car can quickly turn into an oven if the cooling system is not working fine. You have to make sure that the engine as well as the occupants of the car is protected from the heat. This involves checking loose connections, proper circulation

Practical and Money Saving Car

Here are some car buying tips. When buying a new car, you should realize that it is not only you but the dealer too who wants to benefit more from the transaction. Even if you do not become more astute with your car deal, you can at least learn to make your next transaction equally satisfactory to both parties. Most deals end up with the buyer feeling unsatisfied and the dealer earning a good profit. So learn how to make a good deal wherein you and the dealer would be happy.

We are past the age when cars were considered as luxury. Today, almost everybody needs cars to catch up to the things we have to attend to. You can expect to buy a new car a few more times again for you or a family member so it is to your advantage to learn how best to do it to make the experience less traumatic.

As you shop around for your new car, it pays to keep the following car buying tips in mind:

1. Time your purchase of a new car during the Christmas season when almost all other people are busy shopping

Basic Car Maintenance Tips

Each one of us dreams of having our own car – may it be a simple one or a cool sports car. Owning a car sound great because it gives us convenience, comfort and joy but then owning one means additional responsibilities. Each car owner must know how to take good care of their unit from basic maintenance to simple troubleshooting. Car owners should treat their vehicles like their own child or partner. They should know how to maintain their car so it is always in good running condition and would last for a long time. Here are some basic car maintenance tips that car owners should follow and practice.

1.) Check engine oil – Checking the level of your engine oil is the most important thing you should consider before riding your car or traveling to far places. The car’s engine consists of many moving parts which definitely need a good level of lubrication to protect them from untimely wear. There are two kinds of engine oil: a monograde which is the ordinary one and a multigrade which is a special formulated one with additives that protect your engine providing you more mileage before undergoing change

Best Car Driving Tips For A Tata Nano Diesel

Tata Nano was already famous among the middle class families as the cheapest car ever. But with the launch of the diesel version of Tata Nano, consumers got relief from serious fuel price hikes as well. The diesel engine of the car has been invented by Bosch, a leading name in the automotive industry.

Tata Nano specifications

The diesel engine will be under the range of 600 to 700cc, and the running cost is expected to be as low as Re. 1 per km. The car will be equipped with a 0.6L 34.5bhp rear engine, giving out a mileage of 28 to 33kmpl, and a fuel tank capacity of 15 liters. With all these specifications, Tata Nano is going to have the smallest diesel mechanism ever, which will be able to carry better fuel economy and release less carbon emissions.

Car driving tips for a Tata Nano car

Now that you have made up your mind to buy this Tata Nano car, here are a few car driving tips that can be helpful in driving this vehicle more efficiently:

  • First of all, you should give up your aggressive driving habits. Tata Nano car

New Car Buying Tips

Buying a car is not an easy task and numerous factors play a pivotal role in this regard. In fact, it is a juggling act which includes several factors that are responsible for the whole part of buying a car. The most important part in this regard are the dealer negotiations, trade-ins, car features, rebates and car loans and you will be surprised to know that these are just a few of the facts which are taken into consideration. There are several other vital factors as well which play a great role during a new car purchase. The below points have been put together to offer every buyer adequate new car buying tips which will always be helpful in the long run.

1) You should initiate your car buying process long before you approach a dealership. You should not go to a dealer being totally ignorant about the main facts about the car buying process. Knowledge will always put you ahead in every aspect of life and thus, you should actually become a mini-expert in several areas and should know at least something about the new car you are planning to buy.

For this purpose, you