Friday, June 13, 2014
Saturday, May 31, 2014
When you want to buy a car, say a Volvo for instance, but you do not have the cash, stop looking at catalogues that display pictures of svelte brand new cars. Instead, you can secure a used auto loan to buy a used car that costs 50% less than a brand new one.
Buying a used Volvo can be a wise move, because if you are thinking of getting a used auto loan, you can get lower interest rates due to the depreciation of the car. As compared to brand new cars that lose its value by 15-16% every year, the value of second hand cars is more consistent. However, first you need to know what type of used car loan you can apply for.
Types of Used Car Loans
• Purchasing from a used car dealer. The banks easily grant car loan if the borrower is directly buying from a dealer whether it is a used car department, a used car dealership, or a car dealership that sells both brand new and previously owned cars like Mill Volvo car dealers. Banks find this kind of transaction less risky for them thus they provide the borrower with more financing options.
• Buying from a private entity. It is usually difficult to obtain a used car loan for this type of deal because the bank or financing agency finds it more risky. In case the car loan is approved, higher interest rate is involved due to uncertainties in this kind of transaction.
At times, borrowers may find it difficult to secure a used auto loan because not all banks are willing to lend money to buy a car that has been in used for more than five years. Usually, the interest rate is pegged at least 2% higher than the rates given for brand new car loans. If you are already decided on getting yourself a loan so you can buy the car, here are some things you need to do before going to the bank:
- Make sure that the car you plan to purchase has undergone a complete checkup. You do not want to go through the process of securing a loan and paying it only to end up with something that may not outlive the loan. Always perform a test drive and make a thorough inspection before making a deal. This step is very important especially if you are buying from a private party which, unlike in a dealership, does not usually have a warranty clause for the deal. If you are buying from a car dealer, ask for an extended warranty with low rate.
- Check your credit report to find out if you are qualified to apply for a car loan with the bank. Know your credit standing before you apply for a used car loan. Inquire from different banks and financing agencies what car loan packages are available and what other options are offered. Interest rates are different among banks but generally, the basis for approving your loan falls on your credit rating.
Now you are ready to go to the bank and fill out the loan application. The initial step that the bank does is to determine the value of the car. Usually, the loan cannot be higher than the assessed value as determined by the bank. Thus if the car is priced more than the loan value, the borrower can either shoulder the price difference or find a cheaper car that fits the bank loan.
Buying a car, whether it is brand new or second-hand, can be likened to a roller coaster of emotions. The buyer feels the excitement of getting to choose the car he wants only to become disappointed later because of the entailing costs attached with the car. Despite this, that glimpse of hope remains because thankfully there is the used auto loan that offers reasonable financing schemes to enable him to buy what is truly affordable.
Wednesday, March 19, 2014
Staying on top of invoicing, collections, and growing a transportation company can become overwhelming in just a few short years. What once worked for one or two trucks, can evolve into a nightmare of sorting through paperwork and keeping on top of expenses. By utilizing software that keeps records not only up-to-date, but consistent with loads, management has more time to expand without the worry of fleet factoring.
What is Freight Bill Factoring?
Cash flow problems occur with almost all transportation firms. When factoring out freight bills, an outside company takes on the responsibility of billing invoices and collecting funds. The amount of time and money saved is an advantage to the transportation industry due to the fast and convenient options that these firms offer.
Options for Fleet Factoring
There is much more to fleet factoring than creating invoices and collecting money. The diversity of credit checks of customers, live monitoring, fast online reports, and important notifications, create an atmosphere that could only be served by physical employees. One of the latest features available, is being able to borrow against receivables. There is no waiting on financial institutions for credit approval, evaluating a company's worth and setting up payment plans. The figures for outstanding receivables prove that a short loan can be paid back and growth is never put off.
Many fleet factoring companies provide incentives to their customers with fuel discount programs and referral programs that pay extra cash. They may even offer equipment leasing and financing to help to grow a trucking business. By taking advantage of programs that have the right contacts, everything can be streamlined and much more efficient.
The trucking industry has evolved into a fast-paced environment that depends on prompt deliveries and on-time payments to drivers and staff. Removing the worry of staying ahead of invoicing and collecting money has become a detail that does not need to exist. The cost of getting started is minor compared to the hassles of paperwork and time constraints. Approval is simple with a good credit standing and the proper insurance and motor carrier authority. With the right fleet factoring company, growing pains will turn into no pains and a bright future.
Posted by gmirage at 4:42 PM
Thursday, March 06, 2014
Public transportation can be unreliable at times and taxis can also cause some hassles for tourists and business travelers. Limousine services provide reliable and professional transportation anywhere in a major metropolitan area.
A traditional stretched limousine has a private back section that can accommodate large groups of people. The smallest limos have intimate rear sections for several people to enjoy. A U shaped seating configuration may be installed in a modern limousine. Such a layout allows all of the passengers to interact and socialize while facing each other. A central table and console may also be featured in a limousine.
The entertainment package of a contemporary limousine includes a flat panel HDTV and multiple premium speakers. The TV can be used to play DVDs or stream TV shows. Satellite Radio is also integrated into a limousine's entertainment package. An example of a limousine service that offers upscale amenities is Premier Limousine Inc.
These days, wireless internet access is a standard feature in premium limousines. Passengers can easily log onto a secure network that is offered via a built in mobile hot spot inside the limousine vehicle. Fast speeds of more than 15 Mbps can be enjoyed while riding in the back of a limo.
Luxurious limousines are equipped with great amenities that are inspired by night clubs and lounges. For example, a small wet bar may come with a mini fridge that's used to store cold beverages and treats. Cocktail glasses can be nicely hung from the top of the mini bar that creates an exciting scene inside a limo. Special lighting effects with rotating disco balls also add a party scene into a limousine.
Button tufted seats with leather upholstery inside limousines are inspired by love seats of trendy night clubs. Even side pillows can be included in a limo to provide more cushioning and comfort for passengers.
For the ultimate privacy, passengers can interact with the limo driver through an intercom. The courteous driver does not bother any passengers during a ride. Chauffeurs also act as personal concierge staff for the valued passengers. Luggage and bags are removed from the trunk and carried over to the appropriate spot upon the request of passengers. Multilingual limousine drivers can also offer personalized assistance and guidance for foreign tourists visiting major cities in the United States. Limo chauffeurs also use the latest GPS systems to bring clients to the right destinations.
Posted by gmirage at 10:12 PM
Tuesday, March 04, 2014
Thursday, February 27, 2014
If you know anything about cars, then you know that the purchase of your basic automobile is only the beginning of your journey. In order to really stand out on the street, it is all about the aftermarket purchases that you make. The factory makes of most models of cars are not much different from each other no matter which ran you go with. You must make the correct purchases to add on to your base model in order to truly create a car of your dreams.
Everyone today, is on a budget. This does not mean that you have to forgo the best aftermarket parts just because you may not have thousands of dollars to spend. One of the best ways to make sure that you are able to purchase everything that you want is to prioritize your aftermarket accessories. If you are in audio buff, then you may want to prioritize speakers. If you are a racer, then you may want to prioritize engine and transmission upgrades. If you are all about flash, then you may want to prioritize a paint job. However, if you get these things in bulk or in tandem with each other at the same aftermarket parts store, you may be able to purchase more of these accessories than you think.
One of the best ways to determine if you can get all the accessories that you want is to come to MKMcustoms and price out all of the accessories that you have prioritized in step one. This website will give you one of the best benchmarks that you can have for pricing out any kind of accessory. You can also rest assured that you will be looking at the best brands for all accessories, as this business does not work with accessory providers that deal in secondhand accessories.
Do not sell yourself short when it comes to aftermarket parts. You can get everything that you are looking for if you take your time and price out the things that you want. Purchasing in bulk also helps drive down the price of aftermarket accessories across the board.
Posted by gmirage at 9:24 PM
Saturday, February 15, 2014
Having car insurance has never been easier than in the age of the internet. These days, drivers can easily explore an array of convenient features for shopping and managing insurance policies for their vehicles. For example, online quotes can be provided by filling out simple surveys and forms for only a few minutes. There is no need to talk to an actual agent when trying to receive an online quote. IFA Auto Insurance is an example of a company that allows people to search for and manage car insurance online.
Making payments for insurance is also made easy with online technology. Users that have active policies can easily access their accounts that show monthly premiums. The bills can be manually paid each monthly or set up as recurring payments for convenience. Online car insurance accounts have detailed descriptions of the policy. Customers can get explanations on each policy coverage such as the amount paid towards bodily injuries and uninsured motorist collisions. Drivers are also notified about mandatory and optional car insurance policies within a state.
Advanced auto insurance companies also have websites that show extensive history of previous claims and other issues that have been resolved. Additionally, such sites may also recommend that customers take defensive driving classes with the goal of reducing driving record points and ultimately monthly insurance premiums. Finding a local agent is also made easy online with a convenient search tool. To discuss matters, customers can always walk into the office of local car insurance agents.
Posted by gmirage at 8:57 PM
Friday, February 14, 2014
|That vintage Prague car....|
Do you want to keep your car for ten years or more? Are you interested in getting as much out of it as you can, rather than trading it in every three to five years like so many people do? If so, Pennsylvania Toyota care tips can really help you out. A car that is cared for and maintained will last a lot longer than one that is neglected.
One thing to keep in mind is that you always want to watch your gauges. They tell you quite a lot; you do not have to wait for the vehicle to break down in order to know that something is wrong. For example, if the temperature gauge starts soaring upward, it could mean that you are out of coolant. If you do nothing, the car will overheat and die, and parts within the engine could have to be replaced. If you simply add more coolant, though, you may keep this whole situation from ever occurring.
Another thing that can really help is to keep accurate records. Make a note of every single time that you get new tires, have your tires rotated, get the oil changed or have work done in the shop. Many of these things - like changing the oil - are supposed to be done on a set schedule. Not having records can cause you to forget that it is time to do them again, which could lead to issues with your car that could have been easily avoided.
Posted by gmirage at 12:20 AM
Friday, January 24, 2014
Nothing is more frustrating than getting your dream car but finding out that it's not how it should be functioning...that is, subpar to what new cars should. Intimately, or not...called a lemon, there are ways on how you can make things better....for you car and yourself without spending a lot.
Who knew Lemon laws exist? I didn't until now, so read on.
Wednesday, January 15, 2014
|most often seen street scenario|
Travelers and residents alike could find themselves in a broken down car n the side of the road in Durham. While some residents may be familiar with a tow service or an auto shop, but that does not mean that the resident is guaranteed to know what to do when the car breaks down. Finding a tow truck and going to an auto mechanic can be a scary and harrowing experience. The driver doesn't have to scramble on their smartphone to figure out what to do because their auto club membership can point them in the direction of a quality Durham auto care center and tow truck.
Using the assistance of an auto club will keep the motorist from wasting money and time on a tow service and repair that might be a little more than expected. Many times, the tow service and auto shop are approved by the auto club so that the customer knows that the service will be incredibly good.
Also, the traveler who finds their car on the side of the road in Durham may need a place to stay the night while the car is being repaired or a place to eat during the day as the repair is completed. Being stuck in a place that is not home does not have to be a terrible experience. With help from the auto club, any driver can get their car to the right mechanic and also rest comfortably in Durham until the repairs are done.
Using an auto club membership for roadside assistance is the most complete form of service that a motorist can get. Certainly, motorists can hope to know what to do after an accident or a break down, but the best thing to do is work with an ato club to get the help that is needed for the car. No driver should be unprepared, and the most prepared driver is carrying around an auto club card and will get help from the club every time there is a problem.
Finding the best tow truck, auto shop, hotel and lunch can be done all with the assistance of the friendly auto club.
Posted by gmirage at 12:30 PM