Students Save Money By Renting Textbooks? # Video

#Students #Save #Money #By #Renting #Textbooks

Students Save Money By Renting Textbooks, NEF6.COM


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Students Save Money By Renting Textbooks


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Financial Services Business Plan Sample – Executive Summary

#money #market #locations


#

Financial Services Business Plan

Executive Summary

Green Investments (GI) is a financial service company that focuses on stocks of environmentally responsible companies. The Washington-based L.L.C. is lead by Sarah Lewis and Steve Burke. GI uses financial research purchased from Bear Stearns and in-house environmental responsibility analysis to make recommendations to clients.

Services
GI has developed a criteria-based marker system which is easy and effective in evaluating a wide range of different companies on their environmental impact. Only financially prudent/performing companies are evaluated, ensuring that its recommendations make both financial and environmental sense.

Competitive Edge
GI will leverage the proprietory evaluation system to quickly gain market share. The system is convenient and based on extensive research, providing a streamlined overview of the environmental performance of the companies.

Market
GI will concentrate on the unserved niche of environmental investing within the financial services market. GI faces indirect competition from environmentally responsible mutual funds, which do a similar job in assessing a company’s environmental performance but do not allow for investing in individual equity.

Management Team
GI is lead by two experienced managers, Sarah Lewis, and Steve Burke. Sarah has a masters degree in environmental studies and has worked for the Environmental Protection Agency where she was responsible for preparing environmental impact statements. Steve has an MBA and has worked for Salomon Smith Barney where he developed an extensive amount of networking contacts.

GI addresses a previously ignored niche of the financial services market. GI will generate $230,000 and $261,000 in sales in year two and three respectively.

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1.1 Objectives

  • To become the premier environmental investment firm.
  • Attract more people into making investments based on environmental actions of the prospective companies, in effect raising the awareness of and supporting investments in companies that act on environmental concerns.
  • Continue to drive down the costs associated with investment research as it relates to environmental criteria.

1.2 Mission

Green Investments’ mission is to become the premier financial service organization that makes investment in companies with outstanding environmental records and practices. Green Investments, through comprehensive research and well thought out and verifiable marker criteria will be able to identify sound environmental investments. By offering the highest level of services, Green Investments will succeed as a company as well as have a positive impact on our environment.

1.3 Keys to Success

  • Develop a workable, accurate set of environmental markers for a wide range of environmental impacts a company faces.
  • Purchase high-quality financial performance investment research, recognizing that there is no value added for Green Investments doing this research themselves.
  • Price the service so that there is a good profit margin while remaining competitive.

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How To Trade In a Car That You Still Owe Money On – or That Has a Payoff! #car #hire #orlando


#trade in your car
#

How To Trade In a Car That You Still Owe Money On,

or That Has a Payoff!

Many people get thrown for a loop when it comes time to trade in a vehicle with an outstanding loan payoff on it. Car dealers are very familiar with how to take trades with money owed on them, but often, when they try to explain the process the customer gets more confused then when they started!

Here’s How It Works:

You take the selling price of the vehicle you’re buying, add tax and title fees, subtract your trade-in allowance, then add your payoff to the total. This gives you your total amount due. Subtract from that any cash down and/or rebates and you have the amount to be financed on the new loan.

The payoff has to be paid off in order for the dealer to get a clear title to your trade. In essence, when you trade a car to a dealer you are really selling it to them. You can’t sell a car without providing a clear title. By a clear title I mean a title that is lien free. By refinancing the payoff you are giving the dealer the money to pay off your outstanding loan.

The Calculations Should Look Like This:

Selling Price of the New Vehicle You are Purchasing

+ Sales Tax and Title Fees

Trade-in Allowance

+ Payoff

Rebates and/or Cash Down (if any)

________________________________

= Amount Due or Amount to be Financed

One Word of Caution However:

Make the car dealer put in writing that they are going to use the payoff amount to immediately pay off your car loan on your trade. This is very common, and most dealers take care of it right away.

However, I’ve seen cases where a dealer was having cash flow problems and they sat on the money and waited a month or more before they got around to paying off a loan. Until the loan is paid off you are responsible for making the payments on it. So be careful.

I hope this helps. It is very easy to get confused when there is a payoff involved. If you just take it a step at a time it is very easy to follow. By adding it to the new loan after the trade-in allowance has been subtracted you are in essence killing two birds with one stone:

you are paying off the outstanding loan

you are trading your car to the car dealer with a clear title so he can then resell the vehicle

The bottom line to remember is that the payoff owed is your loan and therefore it is your responsibility to pay in full.



5 Safety Features That Can Save You Money on Car Insurance #car #breakdown #cover


#insurance car
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5 Safety Features That Can Save You Money on Car Insurance

2 days ago

NerdWallet Providing clarity for all of life’s financial decisions.

By Barbara Marquand All sorts of high-tech safety equipment is available on today’s new cars, from systems that automatically apply the brakes if you’re in danger of crashing to rear-view cameras that let you see obstructions behind your car.

But in most cases, the really cool stuff is too new to score car insurance discounts. The safety features that usually qualify have been around for decades, such as anti-lock brakes.

NerdWallet looked at car-safety discounts available from the 10 largest insurance companies. Only Liberty Mutual says it offers discounts for newer innovations, including:

  • Adaptive cruise control. This monitors traffic conditions and adjusts speed by controlling the throttle and brakes to keep the car a safe distance from the vehicle in front of it.
  • Lane-departure warning systems. These use cameras to track the car’s position and alert the driver if the vehicle drifts out of the lane.
  • Collision-avoidance systems. These use sensors to recognize when a collision may happen, such as the vehicle skidding or approaching the car ahead too quickly. The systems may apply the brakes or take other actions to protect the driver and passengers.

[Buying a new car? Comparison shopping can save you hundreds of dollars. Find low rates with NerdWallet’s Car Insurance Comparison Tool .]

Most car insurance companies don’t offer discounts until safety technology has proven over many years to reduce insurance claims. Here are the safety features most likely to qualify you for a car insurance discount.

1. Anti-lock brakes Years ago drivers were instructed to “pump the brakes” if the vehicle was skidding, because a locked-up wheel is less effective at bringing the car under control than a wheel that is rotating slowly.

That advice went by the wayside with the development of anti-lock braking systems, which began appearing on high-end vehicles in the 1970s and was used on many models by the late 1980s, according to the Insurance Institute for Highway Safety. As of the 2012 model year, the federal government requires automakers to include anti-lock brakes as part of the standard equipment on all passenger vehicles.

Discounts for anti-lock brakes vary. Allstate offers a 10% discount, for instance, and 21st Century Insurance offers a 5% one.

Florida, New Jersey and New York require insurers to give a discount for anti-lock brakes.

2. Air bags Air bags cushion the blow for people during a crash. Frontal air bags have been required in all new passenger vehicles since the 1999 model year. Side air bags also are included as standard equipment on almost all cars to meet federal side-protection requirements, according to the Insurance Institute for Highway Safety. Some vehicles feature inflatable safety belts or rear-window curtain air bags to protect passengers in the back seat.

Car insurance discounts generally increase with the number of air bags. Geico, for instance, offers up to 25% off for driver-side air bags and up to 40% off for full front-seat air bags. The discount applies to medical payments or personal injury protection coverage.

Esurance offers a discount of 2% to 33% on medical payments coverage or personal injury protection, depending on the state and the number of safety features.

3. Daytime running lights Daytime running lights are headlights that come on automatically when the car starts. They help prevent daytime head-on and front-corner collisions. Automakers began offering daytime running lights in 1995, and now they’re a standard feature on many vehicles.

Some insurers offer a small discount. Geico says you can save 1%, for instance, on certain coverage.

4. Electronic stability control Electronic stability control systems help prevent vehicles from skidding out of control and rolling over when drivers have to steer hard or turn on slippery roads. The technology uses sensors and a computer to monitor how well the vehicle responds to steering and then automatically applies the brakes to keep the car under control.

The systems have been required on all cars, SUVs, pickups and minivans since the 2012 model year.

Insurers that offer a discount for electronic stability control typically apply it to collision coverage. Insurance claims payouts for collision coverage are about 15% lower for vehicles with electronic stability control versus those without it, according to an analysis by the Highway Loss Data Institute.

5. Automatic seat belts Motorized seat belts, which were often paired with manual lap belts, fastened automatically when the car was started or the door closed. Many automakers installed them to meet a federal requirement for vehicles to have automatic restraints, either motorized seat belts or air bags, from the 1990 model year onward. Air bags eventually replaced motorized seat belts, but many insurers still give the same discount for automatic seat belts as they give for air bags. Your car likely does not have automatic seat belts if it’s a 1998 model year or later.

The bottom line Discounts for safety features not only vary by insurance company, they also vary by state. An insurer may offer a discount in some states but not others, or the percentage may differ from state to state.

Ask your insurance representative about money-saving deals. But when shopping for insurance keep in mind that a company advertising large discounts may still not offer the lowest-cost coverage in the final tally. NerdWallet’s car insurance comparison tool can help you look for coverage to fit your needs and budget.

Image via iStock.



Car Leasing Guide – How to Save Money. #buy #my #car


#car leasing
#

Car Leasing Guide

1. The Basics

Many people assume car leasing is a bad financial decision, but the truth is – leasing makes sense IF you meet the following three criteria:

1. You want a new car in 4 years or less

2. You drive 15,000 or fewer miles per year

3. You have excellent credit

If you answered yes to all three, then leasing is a smart choice. You just need to be very careful when entering into a lease; there’s a lot of confusing terminology, and dealers will try to take advantage of your lack of knowledge.

Most car shoppers don’t really understand how a lease works. Most assume it’s similar to renting, but leasing is simply just another method of financing a vehicle. During a lease, you pay for the use of a vehicle (the depreciation), plus the interest payment – called the money factor.

When you lease a vehicle, you’re actually doing business with a finance company – not the dealer. They purchase the vehicle from the dealer for the price you negotiate, then they lease it to you. Therefore, it’s very important to negotiate the price of the vehicle as if you’re buying it. That’s the number one leasing mistake – and it can be very costly!

I relied on several resources to learn about car leasing, but the best one by far was LeaseGuide.com. I highly recommend you read through their site for more detailed information regarding car leasing. They also provide an excellent Lease Kit that helps you compare and analyze lease deals.

2. Pros & Cons

Further Reading

I don’t recommend car leasing for most people, but in certain circumstances it makes sense. You need to weigh the pros and cons to determine if it’s right for you.

Some of the advantages to leasing are lower monthly payments, no repair costs, no hassles selling the vehicle, and the luxury of driving a brand new car every few years.

For your immediate needs, you may want a certain type of vehicle, but know you’ll need something different just a few years down the road. For example, if you just got married and are expecting to have kids, you may want to drive something fun for now, but will need a minivan later.

The downside to leasing is that it’s more expensive over the long term. You’ll need to watch the number of miles you drive; you’ll need more expensive insurance, and you won’t be able to customize the vehicle .

Once you get into a lease, it’s expensive to cancel, so make sure leasing is the right choice for you before signing a contract.

3. Calculating the Lease

Further Reading

Comparing different lease deals can be confusing and cumbersome. You have all kinds of weird terminology such as cap costs. money factors. and residual values. But it’s vital that you understand how a lease is calculated.

Luckily, there’s a simple method which allows you to compare different lease deals rather quickly. You just need to figure out the monthly cost per $10,000 worth of vehicle.

If the monthly lease payment comes out to less than $135 per $10,000 worth of vehicle, then the lease deal is good. The best lease deals will hover around the $100 per $10,000 mark. You can read about this method in full detail here: How to Quickly Compare Lease Deals

Lease payments are made-up of three parts: depreciation – which is the largest portion, interest (called money factor), and taxes. It’s actually pretty easy to calculate once you know how to do it, so don’t feel intimidated. Dealers love confused car buyers, and there’s nothing more confusing than leasing – so it really pays to be in the know on this subject.

4. Leasing Strategies

Further Reading

There are two things you really need to focus on if you want to get the best possible lease deal.

1. Always negotiate the price!

Many don’t realize that you can negotiate the purchase price of a vehicle when leasing. This is called the capitalized cost. and it’s a major factor that affects your monthly lease payment.

The best lease deals are usually offered through the manufacturer in the form of subvented lease deals. When a manufacturer offers these lease deals, they typically lower the interest rate (called money factor ), and/or increase the residual values to make the lease more affordable. You can see if a manufacturer is offering special lease deals by contacting dealers directly.

5. Fees, Taxes, and Other Costs

Further Reading

Leasing a car involves certain fees that you normally wouldn’t have to pay if you were buying a car. A lot of people are confused when they hear “no money down” on a lease, thinking that it literally means you get to drive off with zero initial payment – this is not necessarily true.

The down payment on a lease only makes up one portion of the cash that’s due at lease signing. With a lease, you’ll also be required to pay an acquisition fee (usually $250 to $1,000), plus a disposition fee (usually $200 to $400). Sometimes you also have to provide a security deposit – which is refundable.

Don’t forget you’ll also have to pay fees such as dealer doc fee, tag, title, registration and license fees. If you buy the vehicle at lease end, you’ll have to pay these same fees again.

Some people are surprised when they find out that insuring a leased vehicle is going to cost more – that’s because leasing companies require you to get a higher level of insurance. In most cases, your state’s minimum insurance coverage will not be enough, so keep that in mind before leasing.

6. Car Leasing Scams

Further Reading

Most dealers assume car buyers are clueless when it comes to leasing – which is unfortunately true. Most of the scams related to leasing take advantage of this confusion.

The most common scams have to do with raising the price of the vehicle – called capitalized cost. A lot of shoppers don’t realize the cap cost can be negotiated down, so dealers get away with charging MSRP on a car that should normally be discounted thousands.

Other scams involve lying about interest rates (the money factor), or omitting information from the leasing contract. Some dealers can literally steal your trade-in with one stroke of a pen. You also need to watch out for fake fees – be sure to read the articles in this section carefully, so you don’t fall victim to any of these leasing scams.



Compare Car Insurance – Money Expert #rental #car


#car insurance compare
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We compare

and more.

Need Help? Try our car insurance guides

If you require assistance finding cheap car insurance quotes, take a look at our guides and learn how to get affordable motor insurance that best suits you.

Having an understanding of how UK car insurance companies work is vital when searching for the cheapest car insurance quotes. Our guides will teach you how your circumstances affect the price you pay, so that you can lower your car insurance premiums.

    Teenage Car Insurance Cheap Motor Insurance for 17-19 year olds! Third Party Car Insurance What does 3rd party Motor Insurance Cover? Fully Comp Car Insurance What is fully comprehensive motor insurance? Multi Car Insurance Save money by insuring multiple cars! No Claims Discounts How do no claims affect car insurance prices Motor Vehicle Security Reduce the cost of your motor insurance Car Insurance Excess How do Excess’ affect your motor insurance quotes? European Car Insurance Does your motor insurance cover European driving? Third Party Fire & Theft What does TPFT motor insurance cover? Car Insurance Pass Plus Reduce motor insurance by up to 40%! Young Drivers’ Insurance Cheap motor insurance for the under 30’s! Car Insurance Groups How does the group of your car affect motor insurance?


How to Rent the Best Car for the Least Money #car #quotes


#best car rental
#

How to Rent the Best Car for the Least Money

Promoted by

Make a reservation online through one of the major car rental companies. It’s by far the easiest and cheapest way to rent a car either locally or internationally. Just about every car rental Web site offers Internet-only discounts (about 10 percent) and upgrades as well as various special offers.

Rent through a name-your-own-price online travel agency such as priceline.com or Hotwire.com, particularly if you’re not choosy about the car. These agencies will get the best deals with the car rental companies for you, including upgrades and unlimited mileage. Note: Once your request is accepted, you can’t cancel or change your reservation or get a refund.

Search for package deals. Fly-drive-stay vacation packages offer huge discounts on car rentals. Many online travel agencies also offer fly-drive discounts as well. Avoid reserving a rental car through an airline. It’s convenient, but you rarely get the best deal.

Ask for more discounts that may apply to you, even when you think you’ve scored the best deal: AAA, AARP, frequent-flier programs and military service are just a few of the many special discounts that car rental companies may honor.



When to buy a car – Money Advice Service #nada #used #car #values


#buy a car uk
#

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Getting a good deal on a new or used car often depends on the time of year you buy it. Make sure you keep an eye on the calendar so that you can take advantage of seasonal factors that affect the car trade. To find out when to time your purchase, read on.

When to buy a new car

Top tip

To help you work out the car’s running costs, try using our Car costs calculator .

Choosing the best time of the year to buy a car could potentially save you thousands of pounds. Here’s what to bear in mind:

  • In February and August many dealers offer some real bargains, while sales are slow as buyers wait for the new number plates coming in March and September. But If you take advantage of this lull, your ‘old’ number plates will make your car seem older than it really is, so it will depreciate faster.
  • At the end of each quarter – particularly the end of June and December – dealers may be keen to hit their quarterly sales targets and more likely to offer you a good deal.
  • Find out when new models or ‘face-lifted’ existing models are due out, then buy the previous version during its last few weeks in the showroom. Dealers will be want to shift this stock and be more likely to offer you a good deal. But remember that the older model will depreciate faster than the new arrivals, even though it’s roughly the same age.
  • Convertibles are more desirable in the summer, so there may be bargains to be had in the winter .
  • Demand for four-wheel-drive vehicles usually peaks during autumn and winter because of poorer weather, so you may get a bigger discount in the summer .
  • Showrooms are quieter on weekdays so drop in on a Friday – when the dealer will also be keen to meet their weekly target. This gives you a double advantage when bargaining with the salesperson.
  • Wait a few months after launch before buying a new model – by then there will be less showroom buzz about it so the dealer may well offer you a better deal.

When to buy a used car

Seasonal trends in sales of new cars have a knock-on effect on the cost of used cars. So time your purchase right and you could get a real bargain:

  • March and September are the peak months for sales of new cars, often through part-exchange deals. So dealers will have lots of used cars to sell, which puts you in a strong position when negotiating.
  • Dealers are also often keen to clear out used cars in July and early August in readiness for new models and the registration plate change on 1 September.
  • December and January are quiet months for the used car trade. Cars aren’t on people’s minds around Christmas and the New Year so dealers and private sellers are keen to make a deal.
  • Avoid buying used convertibles in the spring and summer – wait until winter when demand is lower.
  • But buy four-wheel-drive vehicles in the summer – demand peaks in the late autumn and winter because of the poorer weather.


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Contact a Guam bankruptcy attorney. You may be at a severe disadvantage in your legal matter. That is why it is important to work with a Guam bankruptcy lawyer. The legal issues related to bankruptcy or other legal matters can be extremely complicated and a Guam bankruptcy attorney can help explain to you options and strategies to overcome the problem.

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Simplify your Approach

the basics. it’s what most traders neglected to learn and the one thing all successful emini traders have mastered, a rule based approach combined with a basic understanding of market structure is all that is required to make intelligent trading decisions, the most successful traders use the simplest of methods

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conservative goals. 2 points a day, it s not how much you make it s how consistently you make it, consistency is all that matters in trading, once you are consistent then you can begin to slowly add contracts to get to your next monetary goal

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How much do physician assistants make? #money, #careers, #salary, #best #jobs, #rankings, #health #care, #physician #assistant, #physician #assistant, #https://www.usnews.com/dims4/usnews/67c44e3/2147483647/thumbnail/215×155/quality/85/?url=%2fcmsmedia%2f2f%2f717d5273c019191e4ba0cee3467a41%2fjobs-job-photo-119.jpg


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Physician Assistant Overview

Overview

Physician assistants diagnose illnesses, develop and carry out treatment plans, assist in surgeries, perform procedures and guide patients. Jeffrey Katz, president of the American Academy of Physician Assistants (AAPA), says, “I diagnose and treat patients, illnesses and diseases and counsel them on their path to wellness.”

Their work is very similar to that of a general internist or doctor, but they are required by law to practice under the supervision of a licensed physician or surgeon. Often, this supervision is more like collaboration, but there are certain archaic regulations that make life for physician assistants – and their patients – difficult. “To give a real-life example of these arbitrary regulations, in my practice, I can write a patient a prescription for morphine,” Katz explains. “However by law, I cannot prescribe my diabetic patients diabetic shoes.”

“Often the stress comes in when PAs are not able to practice to the full extent of their training, education and ability,” Katz says.

But the profession is filled with rewards that come from helping and treating patients. A 2015 AAPA study found that more than 96 percent would recommend their physician assistant career to others. Katz has worked in the same family practice in Taylorsville, North Carolina, for more than 20 years and has seen generations of families. “It is really cool to see the children of children. … I don’t think there’s any better gift,” he says.

The U.S. is currently facing a shortage of health care professionals, and physician assistants – who are a cost-effective alternative to general internists – are needed to fill the void. From 2014 to 2024, the BLS projects that this field will grow at a rate of 30 percent, which will shake out into 28,700 new jobs for physician assistants.

Quick Stats

$98,180 Median Salary

0.6% Unemployment Rate

28700 Number of Jobs

Rankings

Physician Assistants rank #3 in Best Health Care Jobs. Jobs are ranked according to their ability to offer an elusive mix of factors. Read more about how we rank the best jobs.

Physician Assistants are ranked:

Salary

Physician assistants made a median salary of $98,180 in 2015. The highest-paid earned $139,540, while the lowest-paid made $62,760. They were compensated the best in the metropolitan areas of Santa Fe, New Mexico; Yuba City, California; and Longview, Texas. The sectors that tend to pay their physician assistants very well include consulting services, employment services and outpatient care centers.

75th Percentile. $118,200

25th Percentile. $83,520

How much do Physician Assistants make in your city?

See current salary offers for jobs in this field

Training

Many professionals already have a bachelor’s degree, or have some experience as a registered nurse, EMT or paramedic, when they start their physician assistant training. After this, hopeful physician assistants will need to apply to an accredited physician assistant program. These master’s degree programs generally take 26 months to complete and include both coursework and supervised clinical work.

Graduates then have to take a certification exam offered through the National Commission on Certification of Physician Assistants. Additionally, all 50 states and the District of Columbia require licensure, which is obtained by passing this exam and applying for a state-specific license. To maintain their certification, physician assistants must pass a recertifying exam every 10 years.

Job Satisfaction

Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how Physician Assistants job satisfaction is rated in terms of upward mobility, stress level and flexibility.

Upward Mobility. Average
Opportunities for advancements and salary

Stress Level. Above Average
Work environment and complexities of the job s responsibilities

Flexibility. Above Average
Alternative working schedule and work life balance

Similar Jobs



10 Ways to Make More Money Selling Used Cars – autoevolution for Mobile #cheapest #rental #cars


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10 Ways to Make More Money Selling Used Cars

By Mihnea Radu | 2013-04-21 16:55 GMT

Everybody dreams of that lottery win that brings you millions and ends all your problems in one clean financial strike. But of course, most people are smart enough to know there s no such thing as a free lunch.

Supplementing your income is possible, but it will take some time and effort. Still, why not do something that you actually like and doesn t require you to drop your day job.

If you know everything there is about Ford Mustangs, MG Midgets or BMW M3, why not trade used cars on the weekends to supplement your income and rekindle your passion. Obviously, all business involves rick, so if you re not willing to lose your money, then you re better off leaving it in the bank. But we think these tips will help you maximize your profits.

1. Buy Low Sell High

It might sound like we re stating, but if you want to maximize your profits, you ve got to buy a car as cheaply as possible and sell it for the highest amount of money. To do this, emotions need to be taken out of the equation; you can t simply buy a car that you like in the hopes of finding the right person to pass it on to.

Just like the stock market, the used car market has a bit of an ebb and flow to it. Usually, both used and new cars are tricky to shift in the January to March period, which means it might be a good time to pick up a bargain.

Cars are connected to everything else that is bought using large amounts of money, so if a housing or banking crisis is on the way, expect people s desire to buy automobiles to suddenly drop. When the 2008 financial crisis became widespread in the media, people advertised their motors for as little as half of what they were worth just to ensure they wouldn t be swamped by their bank loans. They say hindsight is 20/20, but we think you ll agree that was a bad idea.

The days of dodgy car dealers and quick talking scammers are mostly behind us. Going online could yield much better finds than sifting through the weekly magazines in the hopes of finding. Of course, you still need to visit the car you want to buy and check if the description was accurate, but online auctions provide huge benefits.

For starters, since more cars are advertised online than anywhere else, the market is fairer and less prone to wild fluctuations. Some online auctions provide statistics about the average prices some cars sold for during a year, which can prove very helpful.

In addition, because there s such an abundance of cars on eBay you re pretty much guaranteed to find a bargain nobody else sees once in a while.

3. Trust Your Instinct

The blinking of an eye and the fidgeting of fingers has nothing to do with the nuts and bolts of an automobile, but you should always trust your instincts. If something doesn t feel right about the way a seller is acting, just walk away.

If you ve missed out on a good deal, you can always call him again, but if you re right you could save yourself a lot of headaches.

4. Check Twice, Buy Once

The most desirable cars on the planet deserve their status because they are fast and fun. That s why most have probably been street-raced and could have sustained major damage. A few dings here and there are a good indication of a honest car, but always take your car to a mechanic you know and have it checked out for rust and structural problems.

Buy with your head. Always inspect every fault and consider how much it would cost to put right. If it s more than what you re going to make in the end, walk away.

5. Stay Away from Complexity

The difference between a $500,000 and a $1 million home is in the fit and finish. It s basically the same story with classic cars, which is why you should stay away from the more complex cars out there.

A faulty window powered sunroof switch could give your buyer just the leverage he needs to pinch your pennies away. Cars like the old BMW 8 Series might seem like V12 performance bargains of the century, but they re really not. One faulty engine management computer could cost you more than the car itself and turn it into a total write-off. Which brings us to our next point

6. Life in Classic Is Fantastic

New cars tend to lose at least 40% of their value within the first three years. That means that if you buy a used VW Golf, it could lose 10% of its value by the time you sell it.

Classic cars are a different story. They ve already done most of their depreciating already. Some have said that buying these retro automobiles is a better investment than gold. That can only be true if you know what you re doing.

We think the key is to look for the modern classics right before they get their status. The best way to do this is to check out major tuning shows. If for instance the old VW Scirocco make a huge showing at the Worthersee GTI Meet, you know what to look for.

Probably the biggest way to make a profit in the used car business is to take out the spanners and fix things yourself. Specializing in VW Beetle service and maintenance for example could make the difference between doubling your investment and going broke.

This comes with the added benefit that if the job is done right, you might get a profitable call from your client a few years to service that Beetle once more.

8. Multiply and Think Bigger

Say you re a self-employed car mechanic. You make money by the hour fixing people s cars. If you hire somebody, that basically means you ve doubled the amount of profitable hours your have. Most of the time, this means you re going to make more money. It s the same selling cars.

If you ve learned everything there is about say the VW Golf V from a previous successful sale, than you need to capitalize and increase your success by doing that once again.

You did a lot of work on your first car, learning how to take the trim off to change a light bulb or how to change out a radio CD player for a navigation system. So the next time, you re going to spend far less time because you know what you re doing.

9. Failure Is an Option

Business is business, so failure is going to inevitably happen. Don t let yourself be bummed out by that one time you bought a lemon and find the best way to quickly change your luck.

Nobody likes to fail. To a person who want to be a little bit more successful in life, failure is gut-wrenching.

But as long as you keep your business small and do buy used Ferrari and Lamborghinis, you re going to be OK. In the worst-case scenario, you ve taken two steps back and need to rethink your strategy.

10. Talk to People, Advertise

Owners clubs know pretty much everything there is, from where to find the cheapest spares to what model years to avoid and which to seek out. They know what it takes to refurbish spokes on the E-Type Jaguar and how to fit a non-original Ford Mustang bumper.

They re also the best people to talk to when you want to sell a car. Advertising is just as important as buying and fixing. Inside information about specialist auction sites for classic cars can prove to be a life saver. Whichever website you chose, always go for the best quality photos to attract the most buyers.

We hope this article inspired you to go out there, combine your work and your hobby and supplement your income.



The top 5 credit cards in Canada for travel rewards #credit #cards, #air #miles, #bmo, #cibc, #loyalty #programs, #mastercard, #td, #transaction #fees, #visa, #canada, #consumer, #money


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The top 5 credit cards in Canada for travel rewards

Despite concerns that perks would be scaled back in light of a recent decision to cut transaction fees. loyalty rewards haven t taken a hit this year. “We have not seen this happen yet, Patrick Sojka, founder and principal at RewardsCanada, said (more on that below).

Annual fee cards

BMO’s premium card is tops in the annual fee category, “what we would consider to be the most popular category of cards for Canadians,” the blog says. The $150 annual fee is waived for new sign-ups, who are also credited with $300 worth of rewards upon successfully applying for the card.

The rate of return on rewards is two per cent on all purchases, meaning for $100 spent cardholders get $2 in value that can be used through BMO Rewards, the bank’s own program. You’d better have a fairly comfortable individual or household income though, with only those earning $70,000 a year or with household income exceeding $120,000 qualifying for the card.

BMO’s World Elite card beat out last year’s winner in the category, the Capital One Aspire card, which provides $100 in rewards for new sign-ups as well as a similar dollars spent-to-rewards ratio. Both cards offer an “excellent suite” of travel insurance and benefits, RewardsCanada says .

No fee cards

The Capital One Aspire card also carries elevated income requirements, like many premium cards in the annual-fee category.

For those looking for some perks without the fees, the blog rankings suggest the American Express Blue Sky credit card is best. Cards in this category don’t cost a hefty annual fee, but also don’t pay out nearly as much in rewards, with 1.25 points on the Blue Sky card awarded for every dollar spent.

Did we mention that 10,000 points amounts to $100 in value? Cards in the no-annual-fee category all generally deliver a far smaller return to the cardholder but with no fee helping to fund the rewards program, that shouldn t be altogether unexpected.

Here’s the top five fee and no-fee credit cards:

  1. BMO Rewards World Elite MasterCard ($150)
  2. Capital One Aspire Travel World Elite MasterCard ($120)
  3. Scotiabank Gold American Express ($99)
  4. TD First Class Travel Visa Infinite Card ($120)
  5. CIBC Aventura Visa Infinite Card ($120)
  1. America Express Blue Sky Credit Card
  2. Capital One Aspire Travel Platinum MasterCard
  3. American Express Air Miles Credit Card
  4. BMO Air Miles MasterCard
  5. CAA Rewards MasterCard

Perks intact

Credit-card industry watchers had been expecting card reward programs—notably premium ones offering juicy perks— to take a hit this year. That’s because, with Ottawa looking over their shoulders, MasterCard and Visa Canada agreed to slash the fees they charge merchants on credit-card purchases.

Those transaction fees help pay for the raft of loyalty programs out there now, but have multiplied as the number of programs have. Starting next month, Visa and MasterCard will cut the fees to 1.5 per cent of the transaction value of purchases, down from 3 per cent or more currently.

The card companies have agreed to lower the fees as Ottawa – joining other governments – expressed concern the fees were imposing a tax of sorts on all shoppers as merchants flowed the fees into their prices.

That fee cut will amount to a 10 per cent hit to the amount the banks and card issuers collect – a hit that could cut into rewards. But so far, cards haven’t seen any adjustment in reward levels.

“We have not seen this happen yet as it seems the banks are taking a wait and see approach to see how the change affects their bottom line,” Sojka said.

If a hit to rewards happens, it’s likely to fall on the less lucrative customers using no-fee cards, Sojka said.

“We now may not see any changes to rewards cards for perhaps six or more months and in most cases we believe it will affect lower end (no fee etc.) cards rather than premium cards.”



Solar Power & Solar Panels Guide, MoneySuperMarket, how much money does it cost to install solar panels.#How #much #money #does #it #cost #to #install #solar #panels


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Solar Power

We compare prices from every energy supplier in England, Scotland and Wales to help lower your fuel bills

How much money does it cost to install solar panels

Solar Power

Solar panels can cut your energy bills, and pay you for producing electricity, which makes them an appealing option if your energy costs are going up. But before paying thousands to install solar panels, consider whether your property is suitable, and whether they’ll really cut your bills.

How much money does it cost to install solar panels

How solar panels work

Solar panels harness the sun’s energy through photovoltaic cells. The cells convert sunlight into electricity. You don’t need direct sunlight for the panels to work, as they still generate some power on an overcast day.

  • Cut your carbon footprint – the panels are environmentally friendly, as solar electricity doesn’t release harmful carbon dioxide (CO2) and other pollutants into the atmosphere.
  • Renewable and sustainable – you can’t run out of this type of power.
  • Cut energy costs – sunlight doesn’t cost a penny, once you’ve paid for the panels to be installed.
  • Financial support – solar panels are eligible for Feed-in Tariffs. You earn money for each kWh of electricity you generate, and you get an additional payment for the electricity you export back into the grid.
  • The initial cost – this can be expensive, at thousands of pounds, unless you’re eligible for financial help towards the cost.
  • Dependent on weather – solar panels still produce power on a cloudy day, but the weather may influence how well they work.
  • Your property might not be suitable – you need a roof that’s big enough to fit the panels, and produce enough power. Ideally, your home should also be south-facing. Listed buildings are unlikely to be allowed to install solar panels.
  • Effort – there is a big initial outlay, and building work is required. This will put many people off, when energy is available simply from a range of suppliers.

Call your local Energy Saving Trust Advice Centre on 0800 512 012 for more information on solar panels.

The cost of solar panels

The average 4kWp solar panel system costs around 5,000- 8,000 to install, according to the Energy Saving Trust.

This can generate around 3,800 kWh of electricity a year, and save around two tonnes of carbon dioxide every year. However, costs vary widely between installers – so get several quotes.

Before spending thousands installing a system, make sure it’s worthwhile. Check if other energy saving measures could save more, such as switching suppliers, loft or wall insulation.

Your home must reach band D or higher in the Energy Performance Certificate to be eligible for the highest rate of Feed-in Tariff.

If you’re unable to install solar panels or you decide against it, cut energy costs by comparing tariffs and switching to a cheaper deal. Make sure you’re on the most competitive tariff, particularly given the rising cost of energy.

Fitting solar panels

Tell your buildings insurer: The panels will form part of your home’s structure. This means your insurance could get more expensive, if your insurer decides you need a higher level of cover, particularly if the house needs rebuilding and the panels need replacing.

Consider separate insurance: Your home insurance won’t guard against any mechanical fault in the panels. If they stop working, check if they’re under warranty. You may need to insure them separately.

Check the provider: Look out for the REAL Assurance and Microgeneration Certification Schemes (MCS), ensuring you can trust the company. The MCS mark shows that the installer offers high-quality products, while the REAL Assurance Scheme is a consumer code that offers protection.

How much money does it cost to install solar panels

Can I compare energy prices if I am on a prepayment meter?

If you use a prepayment meter, you can still compare energy prices and potentially switch to another cheaper prepayment deal.

If you are on a prepayment meter, you could switch to a fixed-rate deal and save.

You can compare your current prepayment tariff to alternative tariff options using our energy comparison tool.



Pensions & Investments – The International Newspaper of Money Management, how money market accounts work.#How #money #market #accounts #work


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Puerto Rico governor signs pension reform law

Puerto Rico has passed pension reforms that include making payments to the depleted DB system from general revenues, and creating a DC plan.

Puerto Rico seeks bankruptcy protection
Puerto Rico pension participants sue to stop cuts
Puerto Rico oversight board approves fiscal plan with pension changes

How money market accounts work

Louisiana State Employees posts 15.8% fiscal-year return

Yellen issues broad defense of post-crisis financial rules

NCR Corp. offers lump sum to vested former employees in latest derisking action

How money market accounts work

Texas pension funds prepare for Hurricane Harvey

How money market accounts work

2 Societe Generale bankers indicted by U.S. Justice Department for LIBOR actions

How money market accounts work

S capture the upside with downside protection

Small DC plans see big drops in fees

Small defined contribution plans, those with fewer than 1,000 participants, decreased the median per-participant fee $13 in 2017 from 2016’s median, according to NEPC’s 2017 DC plan survey. Larger plans, those with more than 10,000 participants, have seemed to squeeze their providers to their limits as median fees were unchanged.

Commentary: Toward simplicity in asset valuation models

How money market accounts work

Sears transfers $512 million in pension liabilities in second annuity buyout with MetLife

How money market accounts work

4 members of New Mexico State Investment Council sanctioned

How money market accounts work

Texas Employees ramps up alts in new asset allocation, reduces assumed rate of return

How money market accounts work

DAILY NEWSLETTER

Puerto Rico governor signs pension reform law
Louisiana State Employees posts 15.8% fiscal-year return
LATEST P ?>


What s wrong with using insurance as an investment? Ultimate Guide to Retirement #retirement, #insurance, #life #insurance, #insurer, #term #insurance, #investing, #cash-value #life #insurance, #mortality #and #expense #charge, #personal #finance, #insurance #agent, #retirement, #how #to #retire, #planning #for #retirement, #saving #for #retirement, #retirement #savings, #ultimate #guide #to #retirement, #cnnmoney, #money #magazine,


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What’s wrong with using insurance as an investment?

Agents may try to sell you a cash-value policy as a way to invest for retirement. They’ll tell you that the investing component serves as forced savings. (Sure, but retirement plans like 401(k)s force you to save too, once you’ve taken the initiative to sign up for them.) They’ll say the money you have building up in your cash-value policy can grow tax-deferred, but money in IRAs and 401(k)s does too. What they won’t tell you is that cash-value insurance is generally a poor investment.

It is a very costly way to invest. There’s the cost of the insurance protection itself – which, by the way, is usually more expensive than what you would pay for a regular term insurance policy. There are the marketing and sales commissions. There’s also the surrender charge that may be levied if you decide to drop your policy within the first 10 years or so. The amount of a surrender charge varies by insurer and type of policy, but it is not uncommon for it to exceed the total amount of your first-year premium.

And, on top of all that, there are annual investment fees. Those are not broken out in all policies, so it’s often hard to determine how much you’re paying. In policies where they are disclosed (typically variable life or variable universal life policies), however, they can be substantial: 3% or more, year end and year out.

What makes up that 3%? Most of it is the investment management fee, which can run as high as 2% a year. Added to that is an annual fee called the mortality and expense charge, which also goes by the name of M E. This is essentially a fee thrown in to assure the insurance company a profit, even if all those other fees somehow don’t.

The heavy fees involved with cash-value life insurance can really drag down your returns. Especially when you consider that index mutual funds often have annual expenses under 0.5%, and many actively managed mutual funds charge 1% or so. That’s a lot less than the 3% or more you’ll pay for the investment component on a cash-value policy.

The lesson: If you need life insurance, get term insurance. If you want to invest for retirement, invest in IRAs, 401(k)s or similar retirement plans.

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S P Dow Jones Indices LLC and have been licensed for use to S P Opco, LLC and CNN. Standard Poor’s and S P are registered trademarks of Standard Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices S P Dow Jones Indices LLC and/or its affiliates.

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Best Banks with the Highest Interest Rate for Savings Account, highest money market rate.#Highest #money #market #rate


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Best Banks with the Highest Interest Rate for Savings Account

Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. Many banks and credit unions offer a variety of savings and money market accounts, and this article aims to help you find the highest interest rate for this type of deposit account.

Of course, a high-interest rate is not the only factor to consider when selecting an account. This article will help you choose the best deposit account for your specific needs.

How to Find the Best Money Market and Savings Interest Rates

Finding the best savings account rate is a simple matter at first glance: Just look in the right place for what you want. Looking at individual bank site or visiting physical branches is time-consuming, so skip the individual search and look online for sites that aggregate the best deposit account rates.

  1. Bankrate – Bankrate is a major player in this space. For your convenience, we’ve partnered with Bankrate to provide you with their live data feed. You can see their rate table below.
  2. Top Lists – You can check out various “top lists” by searching online. Top lists typically include online banks that provide higher interest rates than their brick and mortar counterparts for example, Discover Bank and EverBank pay about 1% for your money.
  3. Alternative Options – Last but not least, there are alternatives to traditional savings and money market accounts that could provide competitive interest rates. Just remember that these options are not your typical savings accounts; you have to understand how they work before you decide to commit your money.

Remember that the best interest rate is not the only factor to consider; you should also consider the fees and make sure that you maximize your earnings and convenience with your savings.

In case, it is not obvious, this page does not include all available savings account offers from all banks.

Top High Yield Savings Accounts

The following table lists banks and credit unions that offer the highest yield savings account and money market rates as of today. To get more information, you can follow the link to the bank website.

Alternative Options to Savings and Money Market Accounts

In addition to high yield savings accounts and money market accounts, here are some alternatives that may work for you:

Highest money market rate

Highest money market rate

Highest money market rate

Highest money market rate

If you know a bank that offers a higher rate than the ones above, we’d love your insight in the comments.

Frequently Asked Questions and Answers

What is the best way to choose a savings account?

When selecting a savings account, determine the features that are most important to you. For example, you may order the features as follows: high-interest rates, good customer service, low fees, and good reputation.

Are online savings accounts better than a traditional one?

Online savings accounts are more popular each day. Typically, you have to complete most of your transactions online or using the ATM, since there may not be brick and mortar locations in the “real” world. In exchange, you enjoy a higher interest rate than normal and pay lower fees.

How does FDIC insurance protect savings accounts?

When selecting a bank, make sure that it is FDIC insured. The federal government offers this insurance to participating banks and it protects your money (up to $250,000 per depositor at each banking institution) against loss in the event that the bank goes out of business.

What does FDIC deposit insurance cover?

FDIC insurance covers all deposit accounts, including savings accounts, money market accounts, certificates of deposit (CDs), and checking accounts.

Please review information associated with each offer before you sign up. Rates and conditions change constantly and I have reported what I believe to be the most accurate information at the time the article was updated.



How to Rent the Best Car for the Least Money #car #shipping #rates


#best car rental
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How to Rent the Best Car for the Least Money

Promoted by

Make a reservation online through one of the major car rental companies. It’s by far the easiest and cheapest way to rent a car either locally or internationally. Just about every car rental Web site offers Internet-only discounts (about 10 percent) and upgrades as well as various special offers.

Rent through a name-your-own-price online travel agency such as priceline.com or Hotwire.com, particularly if you’re not choosy about the car. These agencies will get the best deals with the car rental companies for you, including upgrades and unlimited mileage. Note: Once your request is accepted, you can’t cancel or change your reservation or get a refund.

Search for package deals. Fly-drive-stay vacation packages offer huge discounts on car rentals. Many online travel agencies also offer fly-drive discounts as well. Avoid reserving a rental car through an airline. It’s convenient, but you rarely get the best deal.

Ask for more discounts that may apply to you, even when you think you’ve scored the best deal: AAA, AARP, frequent-flier programs and military service are just a few of the many special discounts that car rental companies may honor.



The best used cars and SUVs for the money – Business. #car #audio #systems


#used suv
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It s tough to find a solid bargain these days

updated 10/30/2011 11:42:31 AM ET 2011-10-30T15:42:31

It’s never been more difficult for buyers to find a bargain in the used car market. Fortunately we’ve dug deep into the data to identify 11 worthy late-model cars and SUVs that are truly great deals.

According to the used-car valuation experts at Kelley Blue Book, the average value of a one- to three-year-old used vehicle has increased from $15,000 in 2008 to more than $23,000 in 2011, which amounts to an average boost of nearly 16 percent per year. This is causing an affordability problem among cash-strapped buyers who can’t otherwise afford a new car, which on average costs nearly $30,000 according to the industry research and forecasting company TrueCar.com.

“While the pace of used-car appreciation is likely to subside as supply, and ultimately sales, improve, shoppers in the market for a used car will continue to pay more, making it difficult to buy at a discount.” says Alec Gutierrez, manager of vehicle valuation for Kelley Blue Book.

This situation can be blamed largely on the economist’s old friends, the forces of supply and demand. The industry is currently suffering from a diminished stock of used models on dealers’ lots, just as pent-up demand is bringing buyers back into the market. This lack of inventory is widely attributed to an extended period of slow new-car sales, which resulted in fewer trade-ins, combined with a rollback in new-car leasing between 2008-2010 that would have otherwise yielded two- and three-year-old used models coming off lease. What’s more, over 690,000 used cars — albeit older and less-desirable models — were taken out of the market by the so-called “cash for clunkers” program in 2009.

Analysts predict used car prices will finally begin tapering off, perhaps as early as year’s end, with healthier new-car sales — including those from Japanese automakers recovering from production disruptions because of the earthquake and tsunami in March — helping to refill the supply chain via trade-ins. “Used car prices at the end of the year will still be higher than last year, but not at the levels during the peak in May and June when prices jumped 25-30 percent higher,” says Jonathan Banks, a senior analyst with the National Automobile Dealers Association Used Car Guide.

But that doesn’t mean there still aren’t some advantageous deals to be found in the used-car market. The key here is to find the “best” late-model pre-owned vehicles that, for one reason or another, have lower-than-average resale prices.



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      Bargain car loan rates are hovering around 3% or so now You need a good credit score to snag one Some loans now go up to seven years

    100 CONNECT TWEET 9 LINKEDIN 12 COMMENT EMAIL MORE

    It’s hard to beat the thrill of jumping behind the wheel of a new car at the North American International Auto Show, especially if your clunker is already 9 or 10 years old.

    But how exciting is a car loan? Just itching for another monthly payment? Yeah, right.

    The hot news about car loans this year, though, is that rates are lower than last year — so shopping around for car loan could prove invigorating when you snag a real deal.

    “We’ve never seen rates this low” in the surveys of banks and credit unions, said Greg McBride, senior financial analyst at Bankrate.com .

    Bargain car loan rates — both for used and new cars — are hovering around 3% or so now at banks and credit unions.

    Plenty of carmakers are offering 0% and 1.9% financing on several models, too. But make sure to run the numbers on various online calculators to determine whether you’d be better off taking a cash-back rebate than 0% financing, if given a choice.

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    The average used car loan rate was 4.77% for a four-year used car loan, according to Bankrate.com.

    “We’re in a prolonged low-rate environment, and I don’t think they’ve bottomed yet,” McBride said.

    Another trend: Some lenders are offering new car loans that go beyond five years, say 72-months, and a few are rolling out 84-month car loans.

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    Some consumers with higher scores opt for seven-year car loans to buy luxury brands, she said.

    “A lot of it is an effort to make some expensive vehicles a little more affordable on a month-to-month basis,” Zabritski said.

    Be warned, though: Dragging out a car loan to six or seven years drives up total interest paid for a car; and a consumer risks owing more on the car than it’s worth when it comes time to sell.

    Another warning: If you don’t shop around for a car loan rate, though, it’s easier to get taken for a ride on rates.

    “We see greater disparity in auto loan rates than any other product,” McBride said.

    Lenders often decide what kind of market share they want in the auto loan business and price their car loans accordingly. And yes, many realize that consumers don’t shop for car loans as diligently as they should.

    Does that mean everyone gets a car loan at less than 5%? Absolutely not. Rates vary by credit history.

    The Detroit-based Communicating Arts Credit Union had received an initial $1.5 million federal grant in November 2011 to develop a bailout program for people who have extremely high car loan rates.

    As part of that program, the credit union had 34 auto bailouts that had original car loan rates in excess of 19%. One customer refinanced a rate of 25% to 3.25%.Other customers refinanced rates of nearly 25% to a range of 9.5% to 12.5%.

    Going to 5% from 25% would drop the monthly payment to $188.71 from $293.51 on a five-year, $10,000 car loan.

    Hank Hubbard, president and CEO of the Communicating Arts Credit Union, said many times shoppers don’t realize they have alternatives. Some old loans may have been made during the credit crunch.

    We’ve swung from one extreme where anyone could get a car loan during the economic boom to another extreme where lenders were paranoid about making loans to creditworthy consumers during the financial meltdown.

    Now, “Lenders are certainly making loans available,” Experian’s Zabritski said.

    Typically, Toprak said, someone with a 620 credit score could be getting a rate of 8.9% or higher now; while someone with a 500 credit score could be offered 13.9% now.

    100 CONNECT TWEET 9 LINKEDIN 12 COMMENT EMAIL MORE



    The best used cars and SUVs for the money – Business. #best #car #lease #deals


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    It s tough to find a solid bargain these days

    updated 10/30/2011 11:42:31 AM ET 2011-10-30T15:42:31

    It’s never been more difficult for buyers to find a bargain in the used car market. Fortunately we’ve dug deep into the data to identify 11 worthy late-model cars and SUVs that are truly great deals.

    According to the used-car valuation experts at Kelley Blue Book, the average value of a one- to three-year-old used vehicle has increased from $15,000 in 2008 to more than $23,000 in 2011, which amounts to an average boost of nearly 16 percent per year. This is causing an affordability problem among cash-strapped buyers who can’t otherwise afford a new car, which on average costs nearly $30,000 according to the industry research and forecasting company TrueCar.com.

    “While the pace of used-car appreciation is likely to subside as supply, and ultimately sales, improve, shoppers in the market for a used car will continue to pay more, making it difficult to buy at a discount.” says Alec Gutierrez, manager of vehicle valuation for Kelley Blue Book.

    This situation can be blamed largely on the economist’s old friends, the forces of supply and demand. The industry is currently suffering from a diminished stock of used models on dealers’ lots, just as pent-up demand is bringing buyers back into the market. This lack of inventory is widely attributed to an extended period of slow new-car sales, which resulted in fewer trade-ins, combined with a rollback in new-car leasing between 2008-2010 that would have otherwise yielded two- and three-year-old used models coming off lease. What’s more, over 690,000 used cars — albeit older and less-desirable models — were taken out of the market by the so-called “cash for clunkers” program in 2009.

    Analysts predict used car prices will finally begin tapering off, perhaps as early as year’s end, with healthier new-car sales — including those from Japanese automakers recovering from production disruptions because of the earthquake and tsunami in March — helping to refill the supply chain via trade-ins. “Used car prices at the end of the year will still be higher than last year, but not at the levels during the peak in May and June when prices jumped 25-30 percent higher,” says Jonathan Banks, a senior analyst with the National Automobile Dealers Association Used Car Guide.

    But that doesn’t mean there still aren’t some advantageous deals to be found in the used-car market. The key here is to find the “best” late-model pre-owned vehicles that, for one reason or another, have lower-than-average resale prices.



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    Commerce City car dealer nets 4 year prison term for money laundering

    Updated: 12/01/2015 06:14:24 PM MST

    A Commerce City car dealer has been sentenced to four years in federal prison in connection with a money laundering conspiracy.

    Raul Mendoza, age 51, of Denver, was sentenced Nov. 20 by U.S. District Court Judge R. Brooke Jackson, according to a U.S. Attorney’s Office, District of Colorado, media release.

    Mendoza laundered money through Chopeque Auto Sales, 6011 Quebec St. which he owned.

    According to an indictment and plea agreement, Mendoza, from February 2008 through May 2012, conspired with others to launder drug money, according to the release.

    Mendoza and others would intentionally, and unlawfully, keep business deposits under $10,000 with the intent to evade reporting requirements spelled out by law.

    From February 2008 through May 2012 Mendoza’s business structured over 700 deposits totaling $4,543,714.

    “Money is the fuel that drives and motivates drug dealers, and for that reason, laundering drug money is a serious federal offense,” said U.S. Attorney John Walsh in the release. “During the investigation of a drug trafficking organization, it was determined that this car dealer was laundering proceeds to hide illegal conduct. Thanks to banking laws, it was one key way law enforcement was able to identify the dealership’s involvement in the unlawful activity.”



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    The best used cars and SUVs for the money – Business. #usa #car #hire


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    It s tough to find a solid bargain these days

    updated 10/30/2011 11:42:31 AM ET 2011-10-30T15:42:31

    It’s never been more difficult for buyers to find a bargain in the used car market. Fortunately we’ve dug deep into the data to identify 11 worthy late-model cars and SUVs that are truly great deals.

    According to the used-car valuation experts at Kelley Blue Book, the average value of a one- to three-year-old used vehicle has increased from $15,000 in 2008 to more than $23,000 in 2011, which amounts to an average boost of nearly 16 percent per year. This is causing an affordability problem among cash-strapped buyers who can’t otherwise afford a new car, which on average costs nearly $30,000 according to the industry research and forecasting company TrueCar.com.

    “While the pace of used-car appreciation is likely to subside as supply, and ultimately sales, improve, shoppers in the market for a used car will continue to pay more, making it difficult to buy at a discount.” says Alec Gutierrez, manager of vehicle valuation for Kelley Blue Book.

    This situation can be blamed largely on the economist’s old friends, the forces of supply and demand. The industry is currently suffering from a diminished stock of used models on dealers’ lots, just as pent-up demand is bringing buyers back into the market. This lack of inventory is widely attributed to an extended period of slow new-car sales, which resulted in fewer trade-ins, combined with a rollback in new-car leasing between 2008-2010 that would have otherwise yielded two- and three-year-old used models coming off lease. What’s more, over 690,000 used cars — albeit older and less-desirable models — were taken out of the market by the so-called “cash for clunkers” program in 2009.

    Analysts predict used car prices will finally begin tapering off, perhaps as early as year’s end, with healthier new-car sales — including those from Japanese automakers recovering from production disruptions because of the earthquake and tsunami in March — helping to refill the supply chain via trade-ins. “Used car prices at the end of the year will still be higher than last year, but not at the levels during the peak in May and June when prices jumped 25-30 percent higher,” says Jonathan Banks, a senior analyst with the National Automobile Dealers Association Used Car Guide.

    But that doesn’t mean there still aren’t some advantageous deals to be found in the used-car market. The key here is to find the “best” late-model pre-owned vehicles that, for one reason or another, have lower-than-average resale prices.



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    2010 Best Cars for the Money #cash #for #junk #cars


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    2010 Best Cars for the Money

    By Jamie Page Deaton

    Posted: Dec 04, 2009 03:12 p.m.

    Maybe the dust is settling. After a year of bankruptcies, brand shutdowns, Cash for Clunkers and massive recalls, the storms that have tossed the automotive industry in recent months may be blowing out. The recovery may be fragile and patchy, but it’s there.

    Amid all the industry turmoil, it’s easy to forget about the spark that drives the car industry: consumers. After being battered with enough industry news to drown even the most perceptive analyst, car shoppers are still left with one question: which car should I buy?

    The Awards

    Especially now, it’s all about value. U.S. News created the Best Car for the Money awards to identify the cars that should make anyone’s short list. The awards highlight cars, trucks and SUVs that will not only please their owners the day they drive off the dealer lot, but will keep them and their wallets happy for years to come.

    The awards are based on U.S. News’ automotive rankings (at www.usnews.com/cars ) and estimated five-year cost of ownership from IntelliChoice. Combining the rankings with real-world costs helps to identify cars that are loved by of the majority of car reviewers and that provide good long-term value.

    The Winners

    Across 23 award categories, roughly a quarter of the award winners come from Toyota or Lexus, Toyota’s luxury division. As you might expect, Toyota wins the Hybrid Car category, with the Prius, and Lexus wins the Hybrid SUV category with the RX Hybrid. However, not all Toyota award winners are so green: the Toyota Sequoia, Land Cruiser and FJ Cruiser also each take awards.

    There are other surprises. In the compact and subcompact car classes, where you might expect Honda to dominate, the winners are the Nissan Versa and the Hyundai Elantra. Hyundai is also a spoiler with the Genesis, which beat out entries from BMW, Lexus and Infiniti to win Best Upscale Midsize Car for the Money.

    As has been the case all year, the performance of domestic car companies varies. Chrysler didn’t manage to win any awards, and while General Motors won two last year, this year they only took home the Best Luxury Sports Car for the Money Award, for the Chevrolet Corvette. Ford, who didn’t have any U.S. News Awards in 2009, wins the family sedan class with the new Ford Taurus. The Ford F-150, a perennial best-seller, wins the Best Full-Size Truck for the Money.

    What You Need to Know

    The award winners range from tiny subcompacts to hulking trucks, fuel-sipping hybrids to gas guzzling SUVs. As different as they all are, they also have something in common: each offers a combination of day-to-day livability and value when compared to other cars in its class. While some of the winners may not set car enthusiasts’ hearts racing, they showcase a blend of features that appeals to the majority of shoppers. Sure, there may be cars that offer more style, more cachet, or better 0-to-60 times, but the Best Car for the Money awards honor cars that aren’t just good at one thing they are good at many.



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    How Much Money Do Truck Drivers Make? #do #electricians #make #good #money


    #

    How Much Money Do Truck Drivers Make?

    by Roadmaster Published May 10, 2016 Updated July 28, 2016


    How much money you can make as a Class A CDL-trained truck driver is an important question to ask! If you’re willing to commit to the lifestyle that a truck driving job demands, you should know how much money you could potentially earn.

    Unlike other careers with a set salary, truck drivers have a lot of opportunities to earn money in addition to their regular pay. Driver pay varies from things like company, location, the type of driving you do, the materials you haul, and your certifications.

    The best news is that new truck drivers will find competitive wages and great incentives due to the current high demand. As you’ll see, there are a lot of opportunities to earn money as a Class A CDL truck driver!

    Driver Pay

    Truck drivers are usually paid a rate per mile they travel, not for how long they work. However, some carriers in specific training situations pay drivers an hourly, daily, or weekly rate. The current minimum wage in America is $7.25 according to the Department of Labor, 1 and by multiplying it by 40 hours we see that a full-time minimum wage worker will earn around $290 a week.

    Orientation/training pay – Typically when you begin with a carrier, you’ll undergo specialized training with a company driver. Some carriers set a standard pay rate while you train. For example, Covenant pays $450-$525 a week for the first 35 days for their new Hazmat drivers. 2 After that, their rate is calculated per mile.

    Types of Driving

    Solo OTR Driver – Solo truck drivers make up a large percentage of the workforce. Their earnings vary depending on the available bonuses offered by their carrier. That’s why having the option to choose your carrier is such a great benefit! Drivers average $40,000-$45,000 their first year! 3

    Team OTR Driver – Working in a pair means you can clock longer distances. When there are two truck drivers, the work can be switched off while one driver rests or relaxes. Because both drivers are compensated for the combined mileage, there’s typically more money to be had. Teams can average up to $100,000-$150,000 a year! 3

    Dedicated Driver – A driver who makes runs and deliveries for a single company (such as Walmart or Home Depot) is called a dedicated driver. They have a specified run or route for their dedicated company where they transport only the company’s materials. Dedicated drivers can average $45,000 to $65,000! 3

    Trainer – After you’ve spent a few years on the road, you can apply to positions to train new drivers. You could then earn truck driver trainer pay and can average $60,000-$80,000 a year! 3 Gaining enough knowledge and experience to train new drivers can really make a difference in pay!

    Owner-Operator – If you like the idea of running your own business instead of working for an employer, consider becoming an owner-operator once you have adequate experience working for a carrier. Owner-operators can earn a greater rate-per-mile by cutting out the middleman and signing contracts directly with companies. As an owner-operator, you could eventually have your own fleet of drivers! Owner-operators can earn $100,000 plus a year! 3

    Bonuses

    In addition to a regular paycheck, you may also be able to make money through various bonuses as a CDL-trained truck driver. Each carrier company is different, but could offer bonuses like:

    • Monthly mileage – Some carriers pay their drivers extra when they hit company thresholds for miles. Earn money for driving the longer distances and earn extra pay just because you drove them with your company!
    • Sign-on bonus – In order to attract new truck drivers, competing carriers will sometimes offer sign-on bonuses for drivers who choose their company. The amount differs from carrier-to-carrier and can be paid as a whole sum or through gradual payments.
    • Fuel efficiency – By using various fuel-saving practices, you prove to your carrier that you are a cost-conscience truck driver. Carriers appreciate that, and many reward their drivers for cutting down on fuel.
    • Safety pay – Carriers strive for safe driving and may even offer bonuses for proven safety out on the highways. Proving that you can safely drive a tractor-trailer means more than good business, it means saving lives!
    • Layover pay – If you are inconvenienced or stalled in the delivery process, some carriers offer layover pay as a way of compensating truck drivers for the time lost.
    • Clean DOT Inspections – Clean Department of Transportation inspections are good for both the driver and the company. Carriers know this, and many pay their truck drivers for clean inspections.
    • Referrals – Having a friend sign up for your carrier company could lead to hefty bonuses. CDL-trained truck drivers are in high demand. and carriers are ready to pay for them!

    Benefits

    While benefits are not direct money, they can be of great value to drivers. Before deciding on a carrier, you can determine if their benefits fit your preferred type of lifestyle. Benefits in trucking can include

    • Paid vacation
    • Paid sick time
    • Medical and dental insurance
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    • Job security
    • Flexible schedules
    • 401k retirement plans and more

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    Where can you start? Chat now with a Roadmaster representative or fill in the information below to get a conversation started. See options for CDL training and find a course schedule that fits your life! Discover what opportunities you have to make money as a CDL truck driver today!

    1. https://www.dol.gov/general/topic/wages/minimumwage
    2. Covenant info supplied by 2016 Covenant Transport Student Program brochure
    3. wage info supplied by Werner Enterprises

    Share this:



    How To Trade In a Car That You Still Owe Money On – or That Has a Payoff! #cheapest #car #insurance #for #young #drivers


    #trade in your car
    #

    How To Trade In a Car That You Still Owe Money On,

    or That Has a Payoff!

    Many people get thrown for a loop when it comes time to trade in a vehicle with an outstanding loan payoff on it. Car dealers are very familiar with how to take trades with money owed on them, but often, when they try to explain the process the customer gets more confused then when they started!

    Here’s How It Works:

    You take the selling price of the vehicle you’re buying, add tax and title fees, subtract your trade-in allowance, then add your payoff to the total. This gives you your total amount due. Subtract from that any cash down and/or rebates and you have the amount to be financed on the new loan.

    The payoff has to be paid off in order for the dealer to get a clear title to your trade. In essence, when you trade a car to a dealer you are really selling it to them. You can’t sell a car without providing a clear title. By a clear title I mean a title that is lien free. By refinancing the payoff you are giving the dealer the money to pay off your outstanding loan.

    The Calculations Should Look Like This:

    Selling Price of the New Vehicle You are Purchasing

    + Sales Tax and Title Fees

    Trade-in Allowance

    + Payoff

    Rebates and/or Cash Down (if any)

    ________________________________

    = Amount Due or Amount to be Financed

    One Word of Caution However:

    Make the car dealer put in writing that they are going to use the payoff amount to immediately pay off your car loan on your trade. This is very common, and most dealers take care of it right away.

    However, I’ve seen cases where a dealer was having cash flow problems and they sat on the money and waited a month or more before they got around to paying off a loan. Until the loan is paid off you are responsible for making the payments on it. So be careful.

    I hope this helps. It is very easy to get confused when there is a payoff involved. If you just take it a step at a time it is very easy to follow. By adding it to the new loan after the trade-in allowance has been subtracted you are in essence killing two birds with one stone:

    you are paying off the outstanding loan

    you are trading your car to the car dealer with a clear title so he can then resell the vehicle

    The bottom line to remember is that the payoff owed is your loan and therefore it is your responsibility to pay in full.



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    Nirvana Lawsuit Funding knows what your are going through and we can help you Today with our borrowing money against a lawsuit funding program.

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    Take over payments on Craigslist cars – A great way to save money on Craigslist used cars #cheap #used #cars #for #sale


    #take over car payments
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    Take over payments on Craigslist cars A great way to save money on Craigslist used cars

    by Craig Miller on June 9, 2011

    While browsing through the Craigslist cars website, you may have noticed a few advertisements asking car buyers to take over car payments. In most cases the vehicle is being sold in an effort to salvage ones credit. Those who are selling their vehicle to anyone interested in taking over payment are generally in a tight financial situation due to loss of income or overspending. When purchasing a car in this manner, you can really land a great deal on a fairly new car. One of the first questions that you should ask a car seller who is using this method to sell their vehicle is how many more payments are left on the vehicle and what is the total payoff amount. A seller who has only owned the vehicle for a few months is generally less appealing than one who has owned it for at least 2 to 3 years. With only a year left in payments, you can own a car for just a fraction of the amount that you would pay anywhere else.

    There are of course a few things that you should watch out for when taking over someone s payments. Some may choose to sell their car because they are upside down on their car loan. Being upside down on a loan simply means that you owe more money on the vehicle than it is worth. In this case, you would be purchasing a vehicle above its retail value which is certainly not a good deal. Do your homework before making the decision to purchase a car. Understand the vehicles book value and determine whether or not it may be a good deal for you. Another thing that you should be aware of is that the vehicle may have a lien against the title. It is not uncommon for someone who is in a difficult financial situation to take out a loan against their vehicle. Check to make sure that there are no existing liens against their vehicle or you may get caught in a difficult situation. There are a number of other issues that you may encounter when purchasing a car using this method. Be sure to proceed with caution and ask the seller a lot of questions before making a decision. If something does not seem right that it is best to walk away quickly and check out the next deal.

    As you can see, there are some ups and downs associated with buying a car in which you take over payment. As always, you will first want to do your research and know exactly what you are buying. By making an informed buying decision, you will be sure to get a great deal almost every time. No matter what you are looking for, whether it is a car, truck, recreational vehicle, or even a delivery truck, there is no other website around that offers such a large selection of used cars as Craigslist cars. More information will follow on buying a take over payment vehicle. Whether you are buying or selling a used car. Craigslist is a great place when it comes to cars.



    Scrap your car and make money. #online #car #sales


    #scrap car
    #

    Scrap your car and make money

    When your car fails its MOT or has a fault that’s too expensive to repair and you decide to scrap it, what are the options? We find out.

    %img src=”http://www.confused.com/%3C/p%3E%0D%0A%3Cp%3E/media/themes/fab-four/article-content-images/car-insurance/scrap-your-car-main.jpg?la=en-GB” /%

    When a car breaks down, crashes or fails its MOT and the cost of making it roadworthy isn’t worthwhile, it’s time for a trip to that great car park in the sky – the scrapyard.

    In the past, you may have had to pay to have your vehicle taken off your hands. But current guidelines put in place to avoid abandoned cars means that disposing of your old vehicle should be free of charge.

    And because of the increase in scrap metal values you should be able to get some payment for your car.

    The scrapping process has changed a lot in recent years. Under the EU End of Life Directive brought in in 2005 there is a recycling target of 85 per cent for scrap cars.

    This needs to take place at a scrapyard, or Authorised Treatment Facility (ATF) as they’re now called, that is licenced by the Environment Agency.

    Sorting out the paperwork

    The most important aspect of scrapping your car is sorting out the paperwork. When you hand over the car you’ll need to produce the V5 registration document and should be given a receipt.

    A Certificate of Destruction (CoD) should then be posted or emailed to you within a week.

    The CoD is a DVLA certificate which proves you’ve had the car recycled properly and absolves you of any future responsibility for it.

    Online scrap valuations

    The easiest option for scrapping your car is to use a site such as CarTakeBack.com or ScrapCarNetwork. which offer you quotes based on the best price from local scrapyards.

    All you have to do is enter your postcode and the registration number of your car and the site will generate a number of quotes.

    These may vary based on whether you deliver the car or have it picked up but often the difference is not a significant one.

    The price offered by sites are based on the car being in an accessible location, complete, free from waste, with inflated tyres and keys available.

    Selling car parts

    Some motorists prefer to sell off the most saleable parts such as tyres, battery and the like individually and then negotiate direct with the scrapyard for a price for the remainder so they can make more money overall.

    However, this is a strategy best left to those who know their way around a motor.

    If you don’t fall into this category then don’t attempt it as you’re unlikely to get a significantly better price than you would from selling the vehicle intact.

    Also, beware of adverts offering unrealistically high amounts for your scrap car as generally, when you arrive at the scrapyard, the quote will drop dramatically.

    The charitable option

    Organisations such as Charity Car and Give A Car will collect your car, complete the necessary paperwork and donate the cash you would have received to a charity of your choice.

    “It’s a really easy way to give to charity,” says Give A Car founder Tom Chance.

    We work with over 400 charities, from major ones such as Cancer Research UK to smaller and regional ones, so you’ll be sure to find a cause that’s close to your heart.

    Don t forget your refund

    Once your car has been scrapped and you have the CoD, you can claim a refund for any unused months of car insurance and road tax.

    Thinking of selling rather than scrapping? Check out our 30-second video guide for more information.



    The best used cars and SUVs for the money – Business. #car #bill #of #sale


    #used suv
    #

    It s tough to find a solid bargain these days

    updated 10/30/2011 11:42:31 AM ET 2011-10-30T15:42:31

    It’s never been more difficult for buyers to find a bargain in the used car market. Fortunately we’ve dug deep into the data to identify 11 worthy late-model cars and SUVs that are truly great deals.

    According to the used-car valuation experts at Kelley Blue Book, the average value of a one- to three-year-old used vehicle has increased from $15,000 in 2008 to more than $23,000 in 2011, which amounts to an average boost of nearly 16 percent per year. This is causing an affordability problem among cash-strapped buyers who can’t otherwise afford a new car, which on average costs nearly $30,000 according to the industry research and forecasting company TrueCar.com.

    “While the pace of used-car appreciation is likely to subside as supply, and ultimately sales, improve, shoppers in the market for a used car will continue to pay more, making it difficult to buy at a discount.” says Alec Gutierrez, manager of vehicle valuation for Kelley Blue Book.

    This situation can be blamed largely on the economist’s old friends, the forces of supply and demand. The industry is currently suffering from a diminished stock of used models on dealers’ lots, just as pent-up demand is bringing buyers back into the market. This lack of inventory is widely attributed to an extended period of slow new-car sales, which resulted in fewer trade-ins, combined with a rollback in new-car leasing between 2008-2010 that would have otherwise yielded two- and three-year-old used models coming off lease. What’s more, over 690,000 used cars — albeit older and less-desirable models — were taken out of the market by the so-called “cash for clunkers” program in 2009.

    Analysts predict used car prices will finally begin tapering off, perhaps as early as year’s end, with healthier new-car sales — including those from Japanese automakers recovering from production disruptions because of the earthquake and tsunami in March — helping to refill the supply chain via trade-ins. “Used car prices at the end of the year will still be higher than last year, but not at the levels during the peak in May and June when prices jumped 25-30 percent higher,” says Jonathan Banks, a senior analyst with the National Automobile Dealers Association Used Car Guide.

    But that doesn’t mean there still aren’t some advantageous deals to be found in the used-car market. The key here is to find the “best” late-model pre-owned vehicles that, for one reason or another, have lower-than-average resale prices.



    Best Lease Deals No Money Down #florida #car #hire


    #new car offers
    #

    Welcome To No Money Down Car Lease

    Looking to pay the smallest amount possible on a new car, truck or SUV? A no money down car lease may be your answer.

    Not only will you get the lowest monthly payment on a new car but there is no upfront money required to put down.

    To find out if a no money down car lease is right for you just answer the few questions below;

    • Do you drive about the average amount of miles per year or less?
    • Do you usually trade in a new car every 2 to 3 years?
    • Do you keep you car in top cosmetic and mechanical shape?

    If you answered yes to all of the above questions then choosing a no money down car lease may be right for you.

    Leasing a car means that you are paying just for the amount of time that signed for on the lease. Most leases typically are for 24, 36 or 48 months. At the end of the lease you normally have the option to purchase the car for a predetermined amount or you can simply return the car.

    If you decide to return the car and have many more miles on the car then you were alloted or have major wear and tear, the leasing company will normally require you to pay stiff penalties. This is where it may not have been in your best interest to lease a new car.

    No money down car lease deals are great for those people who have limited funds but want to drive a new vehicle.

    Not Interested In Leasing And Just Want The Best Price?



    How To Trade In a Car That You Still Owe Money On – or That Has a Payoff! #vehicles #for #sale


    #trade in your car
    #

    How To Trade In a Car That You Still Owe Money On,

    or That Has a Payoff!

    Many people get thrown for a loop when it comes time to trade in a vehicle with an outstanding loan payoff on it. Car dealers are very familiar with how to take trades with money owed on them, but often, when they try to explain the process the customer gets more confused then when they started!

    Here’s How It Works:

    You take the selling price of the vehicle you’re buying, add tax and title fees, subtract your trade-in allowance, then add your payoff to the total. This gives you your total amount due. Subtract from that any cash down and/or rebates and you have the amount to be financed on the new loan.

    The payoff has to be paid off in order for the dealer to get a clear title to your trade. In essence, when you trade a car to a dealer you are really selling it to them. You can’t sell a car without providing a clear title. By a clear title I mean a title that is lien free. By refinancing the payoff you are giving the dealer the money to pay off your outstanding loan.

    The Calculations Should Look Like This:

    Selling Price of the New Vehicle You are Purchasing

    + Sales Tax and Title Fees

    Trade-in Allowance

    + Payoff

    Rebates and/or Cash Down (if any)

    ________________________________

    = Amount Due or Amount to be Financed

    One Word of Caution However:

    Make the car dealer put in writing that they are going to use the payoff amount to immediately pay off your car loan on your trade. This is very common, and most dealers take care of it right away.

    However, I’ve seen cases where a dealer was having cash flow problems and they sat on the money and waited a month or more before they got around to paying off a loan. Until the loan is paid off you are responsible for making the payments on it. So be careful.

    I hope this helps. It is very easy to get confused when there is a payoff involved. If you just take it a step at a time it is very easy to follow. By adding it to the new loan after the trade-in allowance has been subtracted you are in essence killing two birds with one stone:

    you are paying off the outstanding loan

    you are trading your car to the car dealer with a clear title so he can then resell the vehicle

    The bottom line to remember is that the payoff owed is your loan and therefore it is your responsibility to pay in full.



    Car loan payment calculator. Money down calculator. #car #window #stickers


    #car financing calculator
    #

    Your auto loan of LOAN_AMOUNT has a monthly payment of MONTHLY_PAYMENT.

    How to Use this Calculator

    1. Check the No Deductions box at the bottom of the bankruptcy car loan calculator if you live in California, Disctrict of Columbia, Hawaii, Maryland or Michigan. These states allow no deductions for trade-ins when calculating sales tax. Sales tax in these states is calculated on your purchase price, so allow no deductions for trade-ins when calculating sales tax for these states.

    2. Select what you want to calculate; either a payment or a price.

    3. Enter in the remaining terms. As you type, the desired car loan payment value will be calculated.

    4. Non-Taxable Fees: This includes title, registration, license fees, and in some states service contracts are not taxed.

    5. Taxable Fees: Include any additional items that you plan on purchasing when buying a car after bankruptcy For example, in some states an extended service contract is taxed.

    6. When you are finished, toggle the Terms and the Downpayments to see the effect that varying these amounts will have on your monthly payment.

    Car Loan Calculators Can Save You Money

    A car loan calculator is a tool that is specifically designed to help consumers in determining what amount of auto financing is affordable, to their specific financing situation, for a monthly car payment. Usually this tool simplifies an important part of the car buying process while arming people with vital information. Knowing how much you can afford each month can prevent you from buying a car after bankruptcy that is way beyond your limits.

    If you come to the conclusion that leasing a vehicle is a better choice for you than buying, there is an auto buying vs. car lease calculator. This tool is called a basic lease calculator. This type of calculator takes the confusion out of determining your estimation on lease payments. If you have no experience with leasing a vehicle then a basic car loan calculator has specially designed features for lease calculations. The importance of using an auto finance calculaor, whether buying or leasing, is imperative in saving you money and finding out what financial terms meet your needs.

    This calculator gives you the opportunity to compare buying vs. leasing to determine what avenue is in your best interest. Do not even enter a dealership without this information on-hand. Knowing the figures that are affordable to you gives you the feeling of power when negotiations begin. The dealership wants to sell you a car. If you stick to your financial allowance for a monthly payment, the dealership is more than likely going to make some alterations to the purchasing terms.



    Sell Used Cars – 8 Websites to Sell Your Used Car and Make Money #car #computer


    #car selling websites
    #

    Sell Used Cars 8 Websites to Sell Your Used Car and Make Money

    If you want to know about good way to make money offline without too much hard work, then selling used car is good business opportunity you should consider.

    Used cars are big part of our every day life, everyone remembers their first car, it was cheap and it was used car probably. That s how many of people start,  and since we know it s big market, why not make good use of it.

    Today it s not too hard to find potential buyers for your used car, you don t even need to look for them, Internet is here to help you. You can post your car for sale on websites where people are looking to buy used cars.  Selling directly to the website is a good idea too, some websites will buy your used car from you for good price.

    And you don t eve need to buy car in return from them, you can just post details about the used car that you re selling and watch the offers come in. Opportunities are endless, so that s why I want to write about couple of websites to help you [tweetherder]sell your used car faster and make money[/tweetherder] offline, using online methods.

    Sell Used Car for Free

    Usedcartrader.co.uk    Create your FREE car ad online, add as many images of your car as you like, simple to use system provides detailed descriptions, edit your ad online, thousands of car buyers searching daily.

    Carsforsale.com    No catches, no gimmicks, just a high quality online classified ad! You can run your ad until you sell your car with no fees whatsoever. The process to sell your car yourself is simple, fast, secure and FREE!

    Carsonlinefree.com    Run your free car ads until sold! Submit unlimited free car ads and your free car ad is also posted on multiple car classifieds sites for more exposure! The simplest way to sell cars online free. 100% Free Car Classifieds. Cars for sale by Owners Dealers and car listings are updated daily.

    Cardekho.com    If you want to sell your car in India at best price without having to pay a listing fee you have reached the right place. Sell car yourself and make atleast 5-15% more money. CarDekho has millions of car buyers visiting every month making it the right place to sell used car. Remember It s absolutely FREE to list your car !

    Cardaddy.com    You can post your vehicle for sale absolutely free of charge. They do not charge a listing fee, a sellers fee, or a commission fee. They only ask that you help spread our name by referring them to your family, friends, and co-workers.

    Sell Used Car With Fee

    Autotrader.co.uk    The UK s #1 site to buy and sell  new and used cars. bikes, vans, trucks and caravans with over 350000 vehicles online.

    Autotrader.com    Sell your car where millions of serious shoppers are looking. Create an easy, affordable and effective ad that sells your car. Sell risk free with a money back guarantee on their deluxe ad. You can list your car once and they ll Run It til it Sells. Every ad includes a FREE listing on their partner sites.

    Carmax.com    They not only sell used cars, they buy them too, regardless of age, make, mileage, or condition. That makes CarMax the place to start when you sell your car. It all begins with the appraisal. Sell your current car and buy a new one at the same place! You can even apply your written offer towards the purchase of a new car.



    I Want to Sell My Car: A Sellers Checklist for Fast Money #exotic #cars


    #i want to sell my car
    #

    I Want to Sell My Car: A Sellers Checklist for Fast Money

    January 27, 2012

    The need to sell your car is a scenario many owners will encounter during their automotive lives, but often times there is quite a wait between the time you say I want to sell my car . and the time you actually sell it. There are a number of ways to speed up your sale and ensure it is a smooth and uneventful experience, but neglecting these points can have the opposite effect and prolong your wait and cause you nothing but trouble. Looking over these few key points before listing your car for sale will make things easier for both parties by showcasing your car s value and providing evidence of its worth to the buyer.

    Don t Leave Any Surprises

    Before you list your car for sale, make sure to take care of any of the mechanical problems you can feasibly afford, however minor. In addition to fixing any mechanical problems, consider giving the car a good interior and exterior detailing. Many detailing services will take care of the work in a few hours for a reasonable price and the resulting shine and tidy appearance can help increase buyer confidence and close the sale.

    Buying a car from a private party is often times a risky experience. You don t always know what you re getting and you often wonder if you are truly getting your money s worth. This is where keeping accurate and detailed records, and making them readily available to the buyer can be incredibly helpful. By providing a vehicle history report, a clear vehicle title, detailed maintenance records, and even a current and accurate kelly blue book value, you can prove without a doubt that your vehicle is in the shape you claim, and worth your asking price. By having everything ready ahead of time, you minimize any potential questions and concerns the buyer may have, and by providing all the information a buyer could need, you make your vehicle stand out from the rest and look more valuable by comparison.

    Increase Your Exposure

    In the old days, many owners would simply park their car with a sign and wait for their car to sell. In modern day however, there are a few ways to increase your chances and reduce your wait time. There are a variety of online classifieds and websites that specialize in ways to sell auto online. By using as many of these options as possible, you drastically increase the chances someone will see your car and purchase it, and best of all, many of these methods are free. In a pinch, there is also the option of consignment lots which allow potential sellers a place to showcase their car in a location that gives increased exposure, usually for a nominal fee.

    Selling your car means getting it seen by as many people as possible, and making as positive an impression as possible on each one in order to maximize the chances of a sale. By taking advantage of these easy to remember points, you can both potentially increase the sale price of your car, as well as reduce the time it takes to sell it.



    Commerce City car dealer nets 4 year prison term for money laundering – The Denver Post #used #cars #cheap


    #dealer car
    #

    Commerce City car dealer nets 4 year prison term for money laundering

    Updated: 12/01/2015 06:14:24 PM MST

    A Commerce City car dealer has been sentenced to four years in federal prison in connection with a money laundering conspiracy.

    Raul Mendoza, age 51, of Denver, was sentenced Nov. 20 by U.S. District Court Judge R. Brooke Jackson, according to a U.S. Attorney’s Office, District of Colorado, media release.

    Mendoza laundered money through Chopeque Auto Sales, 6011 Quebec St. which he owned.

    According to an indictment and plea agreement, Mendoza, from February 2008 through May 2012, conspired with others to launder drug money, according to the release.

    Mendoza and others would intentionally, and unlawfully, keep business deposits under $10,000 with the intent to evade reporting requirements spelled out by law.

    From February 2008 through May 2012 Mendoza’s business structured over 700 deposits totaling $4,543,714.

    “Money is the fuel that drives and motivates drug dealers, and for that reason, laundering drug money is a serious federal offense,” said U.S. Attorney John Walsh in the release. “During the investigation of a drug trafficking organization, it was determined that this car dealer was laundering proceeds to hide illegal conduct. Thanks to banking laws, it was one key way law enforcement was able to identify the dealership’s involvement in the unlawful activity.”



    How to Rent a Car and Save Money #cars #for #cash


    #how to rent a car
    #

    Offers loading, please wait

    Compare rates

    Compare rates on rental agency and travel websites. Be sure that any deals really are deals: Sometimes a rate really isn’t so great after you tally all the fees and taxes. Asking for AARP-member discounts could save you up to 20 percent, while AAA and travel loyalty programs can also trim costs. Checking coupon sites, booking compacts and avoiding extras like satellite radio are other ways to save. Consider collecting your car at a location other than the airport to avoid those fees. And be wary of rental agency gas tank fill-up packages; some quick math, depending on prices at the time, will help you determine whether filling up yourself is the better option.

    Book early

    Booking early gives you flexibility — for choice and pricing. Longer lead times mean more available cars, a broader selection and better rates. Arrive early, or at least on time, when returning a rental car. Even slight tardiness can cost you an additional day.

    This bit of car rental advice seems obvious, but think: Do you really need a rental car? Paying for a rental, gas and parking doesn’t make sense if you’ll spend most of your vacation lounging on a beach or exploring city streets. Consider renting only for a day or two and using public transportation and cabs the rest of the time. On the other hand, if you lease your existing family car, and you’re planning a long road trip, renting makes sense for avoiding costs associated with exceeding the lease’s annual mileage cap.