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


#trade in your car
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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


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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
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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


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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


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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.


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


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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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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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CFTC RULE 4.41 – HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN. Click here for the full DISCLAIMER .

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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

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