Car Sales on Finance – What You Need to Know

Buying a used or new vehicle on finance gives you the freedom to purchase what you want and pay the vehicle off in monthly instalments. Once you have completed all the payments, the vehicle becomes yours.

This can be very beneficial when it comes to working with a limited budget. Not everyone has the financial freedom to purchase a vehicle for cash, especially when looking at younger models which comes with all the latest technology and safety features.

One of the benefits to looking at car sales on finance is that you can trade in your current vehicle as a part exchange. This enables you to get a value on your current vehicle, which is deducted from the asking price of the new vehicle. This gives you a lower amount which needs to be financed, helping to reduce the monthly instalments and helping you match your monthly budget on what you can afford.

When looking at car sales on finance you get to make regular monthly payments for the vehicle, rather than paying the amount in one large sum. This gives you wider freedom to find what you are looking for. Further if you do your budget before you start shopping around, you will have indication on what you can afford to pay each month, if you qualify, you can buy a vehicle based on the monthly payment amount after trade in, rather than the overall price, and you may be pleasantly surprised.

In addition to this, you have the flexibility to determine how long you want to make your payments for. This is normally twelve to sixty months. Of course taking it over a longer period will mean you pay more interest, but your monthly repayments will be considerably less than if you only take the finance for twelve months. Be realistic in your decision, based on your current working situation and what you feel you can afford in the long term.

The car dealer you are looking at that offers car sales on finance should give you the ability to apply for credit either online or over the phone. This does require a credit check, so it may be worthwhile obtaining a copy of your credit report to identify what your score is. Don’t worry not everyone has a perfect score, but obviously the better it is the higher your chances are of obtaining the credit you need.

If you have a tarnished credit score due to problems years ago, advise the car dealer before going ahead with the application. Some car sales on finance do take this into consideration and are willing to provide finance to those with a poor credit rating.

Another thing you will find when choosing a reputable company offering car sales on finance is that you can enjoy an instant decision. Five minutes online or a quick phone call can give you the answer you need. If approved, you could be driving away in your new vehicle within the hour.

Always ensure that you only select a reputable car dealership that has built up a good name in the industry. You want a company that is going to provide you with a complete service, helping you find the best vehicle to meet your need with a flexible finance package that also suits your budget.

Do your research to learn as much about the company as possible. Double check the vehicle comes with some form of warranty and identify who they use for the credit solutions.

Read through the paperwork in detail before signing, ensuring you know what to expect and what your monthly repayments are moving forward.

Why You Should Get Periodic Home Inspections

Have you considered having a home inspection done? Home inspection is not just for the buyers and sellers of a home but can also be an invaluable resource for those who already own their own homes. Most people do not realize they should have a home inspection done every five to ten years as part of an overall maintenance plan. But a home inspector can help you more then you may think.

For most of us the two things we will spend the most money on in our lives is our cars and our homes. You would never drive the same car for 10 years or more without taking it in to a mechanic for a tune up would you?  Of course you would not. Car maintenance must be done to ensure your vehicle will continue to run as long and as well as possible. You also clean wash it and vacuum it once in a while as well to keep up the resale value if not for your own sense of cleanliness. Why then should your home be any different?

A regular maintenance plan for your home should include a home inspection every few years. A home inspector can advise you on any repairs that should be done before they become a major expense and discuss any safety issues you may be unaware of.

Home inspectors go over every aspect of your home and give you an unbiased report of the findings. The report will show you anything that may be wrong with your home now, what may be getting ready to need repairs as well as advise you on how to make the repairs.  For instance a home inspector may notice a small stain on a wall and track that to a water leak. The leak may have been small enough to only cost a couple of dollars to fix now but it could have done a lot of damages before you found it on your own.

Home inspections can also alert you to any safety issues you may be unaware of. Worn gas lines and frayed electrical wiring often goes unnoticed until a fire breaks out or people get sick and die. A home inspector looks at electrical wires as well as gas and plumbing as part of a routine check and alerts you when a problem is found.

Engaging the services of a professional home inspector should be a part of regular home maintenance. A thorough unbiased home inspection can point out repair and safety issues before they become a serious issue and help you to retain the value of your home as well as your peace of mind.

The Advantages of Buying Used Trucks

The best used trucks will be those with low mileage that still look great and handle well. A truck with an odometer reading between 35,000 and 60,000 miles may still have another 150,000 to 200,000 of potential driving miles left. Trucks are designed for labor and utility and a solid purchase regardless of their age or odometer reading. There are some exceptions to this, however; with so many options on the market, it is important to ensure you deal with a reputable dealer, and the vehicle has the proper certification.

Better Vehicle for Less

Purchasing a used vehicle can provide all the perks of a new vehicle for as little as half of the truck’s original price. The 2014 model that might have cost $58,000 might be listed for $26,000 after two years of road use. The older, pre-owned vehicle may have many of the same great features as the new model, but it carries a significantly smaller price tag.

Depreciation

The average new vehicle depreciates by 30% in its first year. When the vehicle has reached the end of its second year, the depreciation is far less giving the used truck buyer the option of selling the vehicle for the approximate value they owe. The depreciation is also responsible for the lower price of a used vehicle.

Warranties

Many of the used trucks available now have a warranty that covers the vehicle for 60,000 miles or 6 years, and some of which can be transferred by the previous owner to the buyer. If the truck is a certified pre-owned, the buyer will be allowed to purchase a new warranty for the used vehicle.

Better Insurance Rates

Previously owned vehicles are cheaper to insure than new cars or trucks. A truck is considered a sports vehicle because of its versatility. Sports vehicles carry higher premiums due to the activities the owner may participate in while using it. The best part of buying used trucks as opposed to new is that the vehicle costs less and will be insured according to its value.

Tax, Title, and License

The price of the vehicle will also figure into the registration fee. Registration fees are a portion of the tax, title, and license due when signing the purchase agreement. These fees are based on the price the new owner paid to purchase the vehicle. The average registration fee is approximately 10% of the vehicle’s overall costs.

Buying a previously owned vehicle will allow the new owner to have more trucks are a great option due to the purchase price and fewer out of pocket expenses. A used vehicle will give the owner the option of driving it until it no longer serves their needs or selling it for the amount owed on the original loan.

Tire Maintenance Tips

Periodically checking your tires is strongly recommended to ensure full safety to you and your own car. Tires are fundamental for our safety but if you ask someone how does he care of his tires he’ll probably won’t know what to answer if not “I just replace them when they’re worn out”.

This is not the best you can do for your safety: paying attention to your tires is just a matter of habits and doesn’t cost you a single buck, you should really be doing it.

This is what you should do:

  1. Tire Pressure

    Tires should always be inflated as suggested on the service book of your car. This will also make your tires last longer: driving with underinflated tires reduces the contact area between the thread and the ground because the central part of the thread is pushed upwards so the edges will wear faster, moreover an underinflated tire causes high fuel consumption and produces vibrations and noise. Keeping your tires overinflated will cause the central part of the thread to wear faster. A correct inflation grants you and your passengers the best safety in any standard driving condition. Tire pressure should be checked each 2-4 weeks and before any long trip.
  2. Tire Wall Damages

    You should often check if your tires have damages on the walls. These damages happen hitting the pavement with a tire while parking. This can cause the tire wall to present bubbles and cuts. If your car has been exposed to hot and cold weather you could also find cracks: you might find cracks even if your tires are old; old tires should be replaced as a safety measure even if they have enough thread left.
  3. Tire Wear

    Make sure that your tires wear regularly: rotate the steering wheel to the extreme right or left and check if both the edges are equally worn. In case you notice tires are more worn on the inside or outside go to a garage and let them know, they’ll fix your tires alignment. Tires have wear bars: when the tread lugs are worn to the point that the wear bars connect across the lugs, your tires are fully worn and you should take them out of service.
  4. Tire Rotation

    Most tires have a rotation direction shown on the tire wall, make sure your mechanic mounted them correctly Tires are made to rotate in that direction, opposed rotation could be dangerous in case of rain or high speed.
  5. Rotate Front and Rear Tires

    Front tires wear quicker than rear ones due to steering while parking and braking weight effect. This happens even more on front traction cars. Rotating them will make them last longer and in better shape, otherwise you’ll have your front tires fully worn and your rear ones still in good shape. You can to this yourself or go at your usual garage and have them do it for you.
  6. Tires Storage

    If you own several tire sets you’ll always have some tires to store somewhere. Wrong storage can damage your tires. Store your tires in horizontal stacks. If you store them vertical they will tend to get oval shape.

As you can see there are few things to care of regarding tire maintenance, I hope you understand the importance of tires in good conditions: imagine if one of your tires exploded while you’re driving on the highway and think that you can do something to prevent it.