How To Easily Afford A New Car

No car lasts forever, but when they do finally break down for the last time it always seems to happen at the worst possible moment. If you are used to relying on your car to get around, suddenly finding yourself without one can cause major problems. It’s harder to get to work, it takes longer, and trying to do the weekly shopping without relying on the car is almost impossible.

The problem is, it’s not always as simple as popping out to buy a new one. Quite apart from the paperwork side of things, there’s the question of money to consider. How can you get a new car if you can’t afford to buy one? Your first thought will probably be to get a car loan to help you buy your next vehicle, but if you have a bad credit rating your bank is unlikely to look favourably on lending you money.

Of course the amount of money you need will depend largely on what kind of car you want to buy. If you are finding it hard to get the money together then you will no doubt be looking at the cheapest cars you can find. This can be a temptation you might be better off avoiding however. Buying a cheap car can leave you open to the possibility of further break downs and repairs in the near future, as the car is already several years old.

Happily there is another solution. Even car hunters with poor credit ratings can apply and be accepted for personal car finance through specialist lenders and brokers, which has two main benefits over other solutions.

Firstly you’ll often find that the loan is secured on the car itself, which means you won’t need to put up any security to make the loan possible. Secondly you will also be able to afford a much better car than you would be able to otherwise, meaning it will last far longer and be much more reliable as a result.

One of the main problems of having a bad credit history is the task of improving it again. It can be done of course, but it generally takes time and it can hamper your chances of getting credit anywhere else until your rating improves. This is where car finance can come in very useful, because as long as you meet your monthly payments you will be improving your credit rating with every month that goes by. This can have an enormous effect on your future status.

Use Discretion When Buying a New Car

Buying a new car is exciting. I remember the feeling of going with my father to the car dealership for the first time. I had this weird thing for a while where I didn’t want anything to do with a car that someone had already owned and had driven around in. Instead, I wanted a brand new car, something that hadn’t yet absorbed anyone else’s smells or bad driving habits such as smoking or owning a pet.

I am not the only person who has felt like this however. There are plenty of people who go out and purchase a brand new car for the very reasons that I already stated. However, does this mean that they’ve made the right decision? Probably not. In fact, you should never base your decision to purchase a new car or a used car on the fact that someone may or may not have owned it prior to you. The fact of the matter is that while someone may not have ‘owned’ your car outright, someone still had to drive it at some point. There is no way around that.

Instead, when you are looking to buy a new car, the sorts of things that you should be focused on initially is how much money you have set aside for a new car in your life. Often times, those of us who opt to purchase a new or used car do so based on our current income or financial situation. There are some new cars that you can purchase for relatively cheap. However, often, these cars do not come with quite as many features as a slightly older used car. For example, I recently came across a used 2007 Honda Accord that had leather interior, power seating, a sunroof and premium sound with only 30,000 miles on it. Compare this to 2010 Honda Civic Coupe at the lowest end which may be comparable in price but contain less features.

Purchasing a car can be (and often is) a relatively seamless process. However, you want to make sure that you have all of your cards in order before you head out to the dealership. The worst thing that you could do is go to the dealership alone and let the salesman or saleswoman convince you to buy a car that, in the end, you really cannot afford. Granted, while not all salespeople are like this, there are a large amount of salespeople out there who won’t think twice about trying to get you into a more expensive vehicle because doing so will mean an increase in the commission that they make.

If you have figured out that you are going to be purchasing a new car, then you will no doubt want to bring someone with you who has been through the process of purchasing a car from a dealership and who can act as a sort of buffer between you and the salesperson. Don’t walk out of a dealership with a car that you don’t feel comfortable with all because the salesperson managed to convince you that it was the ‘car for you’. Instead, use your discretion and make sure that you do your homework ahead of time before you walk out the door.

Why Fall Is the Best Time to Buy a New HVAC System

f you can believe it, the humid days of summer are officially behind us.

That means cooler air and no more air conditioning, but it also means your furnace is up to bat.

Fall is that magical time of year where you’re in-between systems, and that means it’s the perfect time to invest in a new one. If you know your HVAC system is getting up there in age, there has never been a better time to do some investigating. Here are a few reasons you should look into replacing your HVAC system this fall:

1. The worst time to replace either your air conditioner or furnace is when you need it the most. Nothing is worse than desperately calling your local contractor on a 20 degree day hoping they have an opening to come see you. If you don’t think your furnace will keep you warm all winter long, it’s time to call in the experts. Since fall temperatures bring milder weather, you won’t experience any downtime on your system when you need it the most. The same is true for spring and your AC unit.

2. When you aren’t rushing to make a decision you get the chance to sit down with your contractor and really make the best decision possible for your home. There are rebates, warranties, and guarantees to consider when purchasing a new system and the added time of a non-emergency replacement allows you to consider this investment from every angle. Your contractor is there to answer any and all questions you might have and it’s best to take that time to ask everything you’ve been wanting to.

3. Buying a new system will mean you’re getting a system that’s more energy efficient, which, over time, saves you money and headaches. But, that doesn’t mean you can ignore your system just because it’s new. In order to get the longest life you can out of your new system, you need to have it maintained. It’s important to remember that your HVAC system is a lot like a car. You wouldn’t drive a car 100,000 miles without getting its oil changed, so you shouldn’t run your HVAC unit for a season without having it looked at by a trusted professional.

4. Buying a new system in the fall allows you to shop around for the best deals, make sure you are working with the right HVAC professional, and replace your system on your terms and not because you got stuck in the middle of a snowstorm.

Zipf-Air started as a one man shop and has continued to grow through the years. With over 100 years of combined experience installing and troubleshooting HVAC systems, Zipf-Air has earned an outstanding reputation within the heating and cooling industry. We are dedicated to providing the best equipment and services to St. Louis and the surrounding areas by providing exceptional service and installation for quality conscious customers.

How to Find Hot Car Deals When Buying a New Car

Buying a new car can be fun, but it can also be exhausting. Most people’s idea of getting a hot deal on a new car comes with spending arduous hours playing negotiation mind games with the salesman in the display room of the dealership. While this practise can be worth it, especially if you manage to get him to knock a few hundred off the price tag of your dream car Mini Convertible Personal Contract Hire
, it can be tiresome. It also might not be the best or even the simplest way to get the hottest deal on a new car. Here are a few tips to help you find hot deals when buying a new car, sometimes without even visiting a dealership at first.

If you’ve ever shopped around for a new car, you are probably aware that strolling into a dealership and asking for the best price on a car is probably one of the worst ways to actually get the best price. This approach will usually involve being ushered into a mercifully air conditioned office where you will you be hammered over the head unmercifully for the next few hours with reasons you should pay more for the car. Even once you’ve reached a deceptively acceptable accord with your opponent, you still won’t know for sure if you’ve actually gotten a hot deal unless you repeat this gruelling process at the other ten dealerships in town that offer the same model.

Fortunately for the new car buyer, however, there is another way. Many dealerships have online services featuring Internet sales departments. Internet sales departments are usually much quicker and sometimes even instant about giving you rock-bottom offers on the cars they have in stock. Use the contact information found on the dealership’s website to contact the dealership’s Internet salesperson by phone if you like. Make sure to mention that you are looking at all the dealerships in town to see who will give you the best car price. Internet salespeople are often extra friendly to comparison shoppers.

While you are still comparison shopping, don’t allow yourself to be lured into any particular dealership just yet. When you show up physically at their hunting grounds, you give yourself a lot less bargaining leverage. Start off by collecting price estimates from all the dealerships in town, and you will soon have a great picture of which ones are worth paying a visit.

You may also want to mention the price quotes you hear from other dealerships when comparison shopping. Many dealerships are committed to offering the lowest prices in town, and hearing about someone else’s rock-bottom deals could get them to make you an even better offer. This tactic should only be used as a second step once you are convinced that you’ve heard all the best car prices in town and you want to get them just a bit lower.

One important tip to be aware of when looking for car Mini Convertible Used Cars deals on is that paying cash will almost always get you a better deal  than looking for financing. Although most dealerships have financing centres, these can generate some of their biggest profits, so stay away from them. Financing deals usually come with costly interest rates and other expensive extras that can be avoided by simply paying cash. If you have no way to pay the entire sum up front, make sure to look for financing ahead of time at a location outside of the dealership.

Buying the Right Car For You

If you are struggling with the decision of what kind of car you want to buy, then there are definitely quite a few factors that you need to consider before you jump into the front seat. Among the things you need to think about are whether you want to buy new or used, whether you want an SUV, a sedan, or a sports car. It might be tempting to take a test drive in those fast cars you see on television all the time, but you have to ask yourself where you are in your life. If you are in your twenties and you want a little speed demon that will impress all your friends, then by all means, purchase that Honda s2000 that you can barely afford, but if you don’t want to pay more per month than you can afford, being a responsible person can really pay off in the long run.

Getting that dream ride isn’t as important as starting a family and finding a great career. One of the worst decisions you can make if your financial situation is a little unstable is to buy a new car from a dealership at retail value or MSRP. Dealerships will always be more expensive than people just trying to sell their car online or locally. You can save thousands of dollars if you buy a car that someone else is selling. Sometimes it is even worth it to fly out to a different state and pick up the car because a plane ticket is only a couple hundred dollars. You have to know how to explore all your options before you make a decision that might completely change your financial future for the next few years.

Buying used cars is an art form that most people don’t really understand. When trying to buy hot cars that are pleasing to the eye while still affordable, it can take weeks to find the right deal for you. Looking online and taking advantage of all your resources is the first thing you have to learn when you are in the market for a car. When you finally find that great deal, you should still be able to talk it down a little more before you commit. Having patience and composure will ensure that you get the best ride you can for your price range. The right deal can be a rewarding experience that you will be happy about for as long as you own your vehicle.

Larry is a freelance writer. It might be tempting to take a test drive in those fast cars you see on television all the time, but you have to ask yourself where you are in your life. If you are in your twenties and you want a little speed demon that will impress all your friends, then by all means, purchase that Honda s2000 that you can barely afford, but if you don’t want to pay more per month than you can afford, being a responsible person can really pay off in the long run. Please shop at ISG.

Advantages of Buying Through a Car Dealership

If you are in the market for buying a new car, and by new, we mean new to you, which in most cases means a new used car, you now have so many options these days. You can go on TradeMe, you can go online where there are many great-looking deals, but where you have no guarantee if something goes wrong with the car, and you can also go to the big auctions either online or on site. However, there are many reasons why not to do any of the above, and to go through a ‘tried and true’ car dealership when looking to buy your new car.

One of the main reasons to choose a respected and well-known car dealership is for exactly those reasons, that they are recognised in their field by setting standards and services which others seek to follow. This means that when you visit their car dealership, you will benefit from the collective experience of their management team. This type of experience is invaluable and can’t be ‘bought’ as it has usually been hard-earned.

When you are in the market for a new used car, take the time to go down to your chosen car dealership and get to know the really great people who are there to give you friendly service and a welcoming approach. Keep in mind that a reputable car dealer will, at any time, have over 600 vehicles in stock and have quick access to freshly imported cars.

Another big advantage of dealing with your chosen car dealership is that all their vehicles will be checked, complied and odometer certified and all their cars will have a brand-new warrant of fitness and will be registered. They will also offer competitive car finance and insurance all under one roof and will have a full range of financial options available. When you are buying a car or borrowing money, it is always important to ensure you are as protected as you can be against the worst happening, and a reputable car dealership will recommend a full protection package which would include a four-year warranty, a Guaranteed Asset Protection and a Payment Protection Insurance.

There are yet more advantages of dealing with a local firm who will offer great customer service with timely reminders for warrants of fitness, insurance and warranty renewals with car servicing and much more. So, before you commit yourself to buying your new used car, do the research and choose a trusted car dealership.

The Worst Time to Buy a Car

The worst time to buy a car is a very important piece of information that you need to know in order to avoid buying your car around it. I based the information in this article on my personal experience, the experience of my friends, and the advice of a close friend who is also an auto dealer. The worst time to buy a car depends on your perspective of the process. In this article I put the value of the car within one year of the purchase as the reference point.

The worst season to buy a car is in the fall, especially in November. At this time the new models of the next year are released, or about to be released. If you buy your brand new car today and the next years model is released a week from now your car value will drop significantly. If you are to change it next year you’ll lose a lot. On the other hand, If you happen to buy the new model of the next year that has just been released you are working for the automaker as a lab rat. It’s always better to wait until the model has been tested on the roads and proven to be a good one. There are people who just love to be the first to drive the newest models, let them test it for you. Also in the fall you are going to drive your car for the whole season of winter immediately after you buy it. If you are to change it for any reason (expecting a baby, getting married unexpectedly, moving out of the country) your car value will drop in six months more than if you buy it in spring and drive it through summer. I am considering our harsh winter in Canada and in the Northern States.

The first day of the month is also a bad day to buy a car. An auto dealer typically starts a new cycle of sales and is relaxed, opposite to the last day of that sales cycle. The least day of the month they are ready to work out any deal just to meet the sales goal of the month. This is when you can practice some strategies to get the best deal on your car. The first day of the cycle there is no pressure, and the car dealer is ready for your strategies and will be OK with you leaving without buying.

Mondays are not good days to buy a car from a dealer that works only during week days, while not as bad if your dealer is open through the weekend. The tip of the thumb here is to avoid crowds. Go when the dealership is totally empty. This way you get all the attention and your pressure practices will give you the best results. If on the other hand they have other customers to serve you’ll be just one potential buyer, This is true specially when they have more customers than salesmen.