make a purchase checklist
There are many times we make a decision to purchase a new or used vehicle. Sometimes individuals begin car shopping when their vehicle breaks down and the cost of repairs are too high. There are other times people look to get a new or used vehicle because their current car is getting old. We can add of course, the first-time car buyer who purchase their own vehicle along with those who receive a car as a graduation or birthday gift. If you are included in the car purchase, it is advisable to make a checklist before shopping. By making a checklist whether written, typed or recorded on you mobile device; you can save a lot of grief and money.
Begin with listing what you want in a vehicle such as functional heat and air conditioning, Bluetooth connectivity, cruise, power windows or not, power seats or not, power steering, cloth or leather seats, engine size, color, 4-door or 2-door, etc. List everything you want in the vehicle you intend to purchase. One of the things people assume is that all used vehicles will have 2 keys. I have seen people purchase a car only to receive one (1) key; be mindful today’s vehicles have keys that can cost three to five hundred dollars ($300 to $500) or more, maybe less. Make sure your list is thorough before you begin shopping otherwise it can result in regret and disappointment.
Make sure you look at the engine for leaks, look under the front of the vehicle to see if there are leaks. Let the vehicle run for a while to heat up; sometimes leaks show after running the engine. Look at the condition of the tires, the exhaust system, signal lights, headlights, trouble lights, make sure the doors are evenly placed; wait there is more. Make sure hood, doors and trunk line up at their seams, there have been many vehicles resold as a result of accident repair. Don’t be afraid to ask for the CarFax, a widely used reporting system for pre-owned vehicles. I have personally seen some CarFax’s that are not up to date; be careful of the hype. CarFax’s are merely a supplement to examining reports on a pre-owned vehicle. While examining the CarFax look for accidents, maintenance work, how many owners, origin of vehicle, mileage and more; read it thoroughly. There are many other things you may identify before purchasing a vehicle but make sure you know what you can afford before stepping out. The more you begin to adjust your buying habits, the more money you will free up for other things. Avoid the heartache of regretful spending; ignore the thought that this may just be too anal. What may seem too nerdy now will prove to be valuable when the need for more cash arrive.
Make a purchase checklist, commit to it and what a difference it will make in your wallet.
It’s time to Tackle The Beast – Get Cents Get Paid!
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Friday, July 22, 2016
Thursday, July 7, 2016
vehicle purchase V8, V6 or 4 Cylinders
vehicle purchase V8, V6 or 4 Cylinders
Many years ago our parents experienced the power, the speed, the feel and more driving vehicles with V8 engines. Long-ago the V6 as well as any 4-cylinder engine were considered subpar to the V8 powered vehicles. Welcome to the 21st century, things have changed. The legal speed limits around most metropolitan areas range from 35-45 miles per hour. Legal highway speeds in the United States are on average between 60-70 miles per hour. Do people occasionally exceed legal speed limits, sure we do. When purchasing your next vehicle consider the speeds often traveled. When purchasing your next vehicle think about how many times would you if at any need the power of a V8 engine. Now if you plan on using your vehicle for carrying heavy payloads or towing a trailer, RV, boat and or any other type load; a V8 powered engine will prove to be worth the investment.
Did you know you could save on gas mileage in upwards of $25-$75 or more each month by driving a 4-cylinder powered vehicle opposed to one with a V8 engine? A V6 powered vehicle could save you $15-$25 or more each month in fuel cost compared to a V8 powered vehicle. The cost savings could be anywhere between $180 to nearly $1,000 dollars a year if you chose a 4-cylinder or V6 opposed to a V8 power vehicle. Now I did not consider the annual maintenance differences, so if you add the total annual savings for the yearly costs of operating vehicles with different engine sizes; the numbers will be larger. Do you want to pay another for the sake of conversation centered around whose engine is bigger? How often do you need the power of a V8 powered engine? Are you aware that insurance costs are a little higher for vehicles with larger engines? You may very well be able to afford it today but what does tomorrow guarantee? Your choice, your decision, your money; spend wisely….. just say’n.
It’s time to Tackle The Beast – Get Cents Get Paid!
Subscribe – Follow – Share begin here:
www.moneymaze.net
www.moneymazeriseofthebeast.net
#moneymazeref #moneymazereferee #moneymazenetwork #moneymazeriseofthebeast
Many years ago our parents experienced the power, the speed, the feel and more driving vehicles with V8 engines. Long-ago the V6 as well as any 4-cylinder engine were considered subpar to the V8 powered vehicles. Welcome to the 21st century, things have changed. The legal speed limits around most metropolitan areas range from 35-45 miles per hour. Legal highway speeds in the United States are on average between 60-70 miles per hour. Do people occasionally exceed legal speed limits, sure we do. When purchasing your next vehicle consider the speeds often traveled. When purchasing your next vehicle think about how many times would you if at any need the power of a V8 engine. Now if you plan on using your vehicle for carrying heavy payloads or towing a trailer, RV, boat and or any other type load; a V8 powered engine will prove to be worth the investment.
Did you know you could save on gas mileage in upwards of $25-$75 or more each month by driving a 4-cylinder powered vehicle opposed to one with a V8 engine? A V6 powered vehicle could save you $15-$25 or more each month in fuel cost compared to a V8 powered vehicle. The cost savings could be anywhere between $180 to nearly $1,000 dollars a year if you chose a 4-cylinder or V6 opposed to a V8 power vehicle. Now I did not consider the annual maintenance differences, so if you add the total annual savings for the yearly costs of operating vehicles with different engine sizes; the numbers will be larger. Do you want to pay another for the sake of conversation centered around whose engine is bigger? How often do you need the power of a V8 powered engine? Are you aware that insurance costs are a little higher for vehicles with larger engines? You may very well be able to afford it today but what does tomorrow guarantee? Your choice, your decision, your money; spend wisely….. just say’n.
It’s time to Tackle The Beast – Get Cents Get Paid!
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www.moneymazeriseofthebeast.net
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Monday, June 27, 2016
interest rate barriers
Are you letting high interest rates keep you from getting your next vehicle? Are you more concerned what others think; those who say there is no way they would pay a high interest rate for a car loan? Have you been a victim of ridicule for paying too much interest on your vehicle loan? Here are some things to meditate on for moving forward. Add the rewards you reap by having a reliable vehicle; compare it to the dependency you would face getting round using other means. By no means am I suggesting that you get in over your head so-to-speak with debt. Count the costs, weigh the benefits or disadvantages ahead of you and make a calculated decision.
First, most people who have car loans tend to trade their vehicles periodically whether every 3-4 years or longer, if not sooner; trade-ins happen often. Did you know the cost of the vehicle you buy as a result of getting a loan; basically amounts to what you pay over the course of the contract? Each time you make a payment in most instances using simple interest, an amount goes to what is called the principal and there is an amount that goes towards monthly interest. If you have a simple interest loan, you could add a little more each month and save on the overall interest for the full term of the contract. The end result is you would pay off the loan sooner, saving hundreds if not more. Believe it or not a person paying a car note with low interest over 5-7 years could end up paying more than you; if you paid off your loan sooner using the strategy mentioned.
If you considered this strategy of paying a little more each month, making payments before the due dates; it may position you for refinance eligibility within 12-18 months at a much lower interest rate. This is also a means for improving your credit score.
A good rule is to schedule your payments giving you time to have enough money to make the payment at least five (5) days before the due date. Although the lender often gives you a grace period before charging late fees; the payment according to credit bureaus is still late. Try this strategy, watch your credit score improve. Once you establish this strategy going forward, it will save you thousands of dollars in interest over time.
Interest Rate Barriers
Now you can begin to create a plan to remove Interest Rate Barriers going forward.
There are more strategies to come for improving credit scores ahead. Time will prove to uncover information that will make what once was not accessible - now reachable by lowering your credit scores.
Your time has arrived, mark this as the beginning of a new approach to car buying, remove interest rate barriers working at it step-by-step. I believe in you; you can do it!
It’s time to Tackle The Beast – Get Cents Get Paid!
Subscribe – Follow – Share begin here:
www.moneymaze.net
www.moneymazeriseofthebeast.net
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First, most people who have car loans tend to trade their vehicles periodically whether every 3-4 years or longer, if not sooner; trade-ins happen often. Did you know the cost of the vehicle you buy as a result of getting a loan; basically amounts to what you pay over the course of the contract? Each time you make a payment in most instances using simple interest, an amount goes to what is called the principal and there is an amount that goes towards monthly interest. If you have a simple interest loan, you could add a little more each month and save on the overall interest for the full term of the contract. The end result is you would pay off the loan sooner, saving hundreds if not more. Believe it or not a person paying a car note with low interest over 5-7 years could end up paying more than you; if you paid off your loan sooner using the strategy mentioned.
If you considered this strategy of paying a little more each month, making payments before the due dates; it may position you for refinance eligibility within 12-18 months at a much lower interest rate. This is also a means for improving your credit score.
A good rule is to schedule your payments giving you time to have enough money to make the payment at least five (5) days before the due date. Although the lender often gives you a grace period before charging late fees; the payment according to credit bureaus is still late. Try this strategy, watch your credit score improve. Once you establish this strategy going forward, it will save you thousands of dollars in interest over time.
Interest Rate Barriers
Now you can begin to create a plan to remove Interest Rate Barriers going forward.
There are more strategies to come for improving credit scores ahead. Time will prove to uncover information that will make what once was not accessible - now reachable by lowering your credit scores.
Your time has arrived, mark this as the beginning of a new approach to car buying, remove interest rate barriers working at it step-by-step. I believe in you; you can do it!
It’s time to Tackle The Beast – Get Cents Get Paid!
Subscribe – Follow – Share begin here:
www.moneymaze.net
www.moneymazeriseofthebeast.net
#moneymazeref #moneymazereferee #moneymazenetwork #moneymazeriseofthebeast
Wednesday, June 22, 2016
ask questions get more
When purchasing a new vehicle, there are questions you can ask to make the deal even better. Next time you or someone you know go to buy a new vehicle, challenge them to ask the sales person for a free oil change or more. Another thing you could ask about are car washes. Whether they give you one or more free; it’s a cost you’ve saved by just asking a question. If your new car does not have floor mats, ask for floor mats to sweeten the deal.
Regarding used vehicles: buyer beware if you are purchasing a used vehicle, not all vehicles have a second key; inquire about the second key before making the purchase. A second key can cost in upwards of three to five hundred dollars ($300 to $500); ask before signing the papers for your next vehicle. Again buyer beware! Keep in mind, you could also adjust perceptions and be prepared to make the investment of a second key yourself. Remember the choice is up to you.
Now, let’s Tackle The Beast-Get Cents Get Paid!
Regarding used vehicles: buyer beware if you are purchasing a used vehicle, not all vehicles have a second key; inquire about the second key before making the purchase. A second key can cost in upwards of three to five hundred dollars ($300 to $500); ask before signing the papers for your next vehicle. Again buyer beware! Keep in mind, you could also adjust perceptions and be prepared to make the investment of a second key yourself. Remember the choice is up to you.
Now, let’s Tackle The Beast-Get Cents Get Paid!
Sunday, June 19, 2016
reducing car payments
reducing car payments
Consider this, did you know that you can sometimes remove add-ons after you have entered your purchase contract? Begin by asking your lender what alternatives do you have for reducing car payments. Also if you have made payments on-time for at least a year; consider the possibility of re-financing your vehicle for a lower payment. If necessary, go to a different lender; competition is fierce these days, it is a competitors’ market. Creditors are hungry for people who pay on times.
Begin by calling your lender and reviewing the costs associated with your payments such as add-ons. Credit life, extended maintenance, extended warranties and other add-ons makes a difference in the amount of your monthly payments. Arm yourself with the right questions to ask otherwise the experience may not be rewarding.
Also if you come into a large tax refund; consider asking your lender if you paid an extra seven hundred and fifty to a thousand dollars towards your principal, is there a way to lower your current monthly payments? Before getting into distressed situations, ask question and weigh your options; savings are within your power.
Now, let’s Tackle The Beast-Get Cents Get Paid!
Consider this, did you know that you can sometimes remove add-ons after you have entered your purchase contract? Begin by asking your lender what alternatives do you have for reducing car payments. Also if you have made payments on-time for at least a year; consider the possibility of re-financing your vehicle for a lower payment. If necessary, go to a different lender; competition is fierce these days, it is a competitors’ market. Creditors are hungry for people who pay on times.
Begin by calling your lender and reviewing the costs associated with your payments such as add-ons. Credit life, extended maintenance, extended warranties and other add-ons makes a difference in the amount of your monthly payments. Arm yourself with the right questions to ask otherwise the experience may not be rewarding.
Also if you come into a large tax refund; consider asking your lender if you paid an extra seven hundred and fifty to a thousand dollars towards your principal, is there a way to lower your current monthly payments? Before getting into distressed situations, ask question and weigh your options; savings are within your power.
Now, let’s Tackle The Beast-Get Cents Get Paid!
Thursday, June 16, 2016
car buying add-ons finance or not
When purchasing a car or vehicle; consider the add-ons before committing to them; i.e. extended warranty, extended maintenance, credit life insurance, etc.
Do you really want to finance add-ons over five to seven years? If you desire to purchase any of these add-on plans, consider paying upfront to avoid paying interest on the cost of these programs.
Count your savings and redirect the dollars that may have went rogue.
Remember there are no absolutes, take the time to think about any decision you make and be prepared to own up to the benefits, rewards or consequences. The money maze comes with choice.
Tackle the Beast Get Cents Get Paid!
Do you really want to finance add-ons over five to seven years? If you desire to purchase any of these add-on plans, consider paying upfront to avoid paying interest on the cost of these programs.
Count your savings and redirect the dollars that may have went rogue.
Remember there are no absolutes, take the time to think about any decision you make and be prepared to own up to the benefits, rewards or consequences. The money maze comes with choice.
Tackle the Beast Get Cents Get Paid!
Monday, June 13, 2016
Escape the Fears of Car Buying
thinking about buying a new car?
What if someone said they would pay you one thousand dollars to sit for 3-4 hours, would you be interested? If you create a plan with the right strategy, saving an extra $1,000 to $1,500 on a new car purchase may just be within reach. Car salespeople anticipate buyers coming in ready to negotiate terms of purchase. Used cars do not have the same lead way but sales prices are negotiable.
There is more to come.......
Save an additional $1,000 or more on your next new car purchase.
Before you make that next vehicle purchase research as much as possible; taking the fear out of this process will become easy with the right referee....
Time to Tackle the Beast - Get Cents Get Paid!
What if someone said they would pay you one thousand dollars to sit for 3-4 hours, would you be interested? If you create a plan with the right strategy, saving an extra $1,000 to $1,500 on a new car purchase may just be within reach. Car salespeople anticipate buyers coming in ready to negotiate terms of purchase. Used cars do not have the same lead way but sales prices are negotiable.
There is more to come.......
Save an additional $1,000 or more on your next new car purchase.
Before you make that next vehicle purchase research as much as possible; taking the fear out of this process will become easy with the right referee....
Time to Tackle the Beast - Get Cents Get Paid!
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