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zarticles on Friday, July 23rd, 2010 |
2 Comments
You’ve got bad credit and dealer after dealer is wanting money down. To buy a car with bad credit, with no money down, you need to know a few things.
First, there are only two reasons that a dealer would want a down payment…
The most common reason is because it adds profit to the sale. The other less common reason is because it’s needed to lower the total amount financed for approval by the lender. Trying to figure out which is the real motivation to pressuring you for cash is a little difficult so long as, you are depending on the dealer to get you approved.
Most people think that if they have bad credit, they have to use the financing offered through the car dealership. After all, the local bank won’t give you a loan right? This is a common mistake that can cost you thousands of dollars in outrageous finance charges.
Let me fill you in on a little BIG secret…
Car dealerships mark up the price of the car. Everyone knows that. Did you know that they ALSO mark up the interest rate? Yes, they do. They submit your credit application to lenders. The lender responds with an offer. Let’s say that they approve you for a rate of 9%. Guess what? The dealer, knowing that you know you have bad credit will try to convince you that you are approved at 12%. The 3% difference becomes nothing more than profit that the finance manager gets paid a commission on. Guess you pays for it… you. Your payments go up 10, 20, 30, 50 or even $100.00 per month simply because the dealership marked up the interest rate.
The truth is this. You can buy a car with bad credit with no down payment and also with lower interest rates by simply avoiding the dealer finance department altogether. If you know where to look and prearrange your financing (yes it’s done everyday), then you can have the confidence to walk into a dealership, pick out the car of your choice based on the amount the finance company preapproves you for and had the dealer a check. This puts the power of negotiating price in your favor.
Car dealers will be jumping over backwards for your business.
Find Legitimate Lending Sources Here: Buying Cars with Bad Credit.
(http://www.BuyingCarswithBadCredit.com)
Jason Lanier
By
zarticles on Monday, July 12th, 2010 |
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WARNING: Facebook Spoof eMails – Happy Holidays NOT
While developing, implementing, managing and supporting over 100 websites I get to see every type of spam under the sun. If you saw the movie Forrest Gump, Bubba started a list of all the ways he knew to prepare shrimp… I won’t bore you with the nitty gritty details but my list is that long about spam and I am from the South. Imagine that.
Lately the Facebook Spoof emails have been the worst offenders as they look identical to the email notifications from Facebook. Right now there is a virus that infects your computer and your Facebook account. Watch out for the ‘Happy Holidays’ Facebook Spoof! Even though you love and adore Facebook, don’t open the emails! Procede with caution when it comes to networking sites. Here is a list of the email cautions I use. Please add your favorite practices to the comments…
Keith Farrazzi – How Do I Start Networking?
If you get a chance to see Keith Farrazzi, the popular author of ‘Never Eat Alone’ at a live presentation…GO! He is just as passionate and animated as he is in this short (under 2 minute) video. He brings up good points about getting involved where you will shine…your passion comes in at this point… Did you notice that he didn’t mention any formal business networking events?… and that is a detail that’s very important. Business networking events are fun, but you can connect anywhere! You can make connections outside of your referral group or chamber mixer. Think of the possibilities! Starbucks maybe the place where your next big business connection is standing right next to you!
Creating Memories
by Dale Furtwengler
Nothing creates a memory like offering a referral or resource to someone you meet at networking events. But what type of memory? Certainly your generosity and kindness, but will that help you generate more referrals? You need to clearly communicate who your ideal client is. I see people making three mistakes when introducing themselves at networking events: 1. They talk about what they do.
2. They don’t talk about what their customers get from working with them.
3. They identify their ideal client using demographics.
I’m not going to spend much time on numbers one and two. You know that it feels like when someone is going on and on all about themselves. YAWN! The third mistake, however, is less obvious.
Michael Jackson Costume
By
zarticles on Sunday, July 4th, 2010 |
12 Comments
One of the right means to obtain low car insurance rates is to acquire Car Insurance Quotes from a lot of corporations. This is the most preferred approach by people today. You would get quite a lot of tips to save cash in several avenues. There are 5 important tips that can help you in obtaining the ideal quotes offered.
1. Most buyers car insurance comparison before going in for large purchase. In finding car insurance as well numerous firms would be ready with their quotes. Thus it is good that you acquire the quotes of atleast 5 companies and opt for the best among them.
2. The information that you offer is the basis on that the car companies offer quotes to you. Thus it is really crucial that you give correct information to the insurance organizations or otherwise the quotes we get might go wrong. If in case you give the right information, you will certainly find ideal car insurance quotes.
3. After you obtain a car insurance premium, a salesperson of the company would get in touch with plus try to close the insurance policy. You must avoid talking to an car insurance agent concerning the purchase of car insurance policy before you collect quotes from many car insurance companies. You could inform him that your research is not yet accomplished as well as will need some more time.
4. After completing the quotes of all the insurance companies narrow down the list in to two companies. Auto insurance comparisons on these two organizations and also pick out the right policy that meets your need.
5. Most of the times, you might be asked to pay some extra amount besides the premiums . Therefore you should make certain that no car insurance company gives you wonderful car quotes and also then ask to pay for extra.
These are some of the tactics to get the perfect car insurance quotes.
