Monthly Archives: October 2013

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Mini

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BMW

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Happy Halloween

Happy Halloween

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Student Car Loans

Student Car Loans

Students Buying a Car Cars have become pricey. Most people find it difficult to invest in a brand new car even if they have well-paid jobs. That’s because of the steep rise in the prices of essential commodities. Students who apply for auto loans face rejections. Most of these rejections are made by traditional banks and other similar organizations. This does not imply that you will lose hope and feel disappointed. There is no point in complaining; find an effective remedy instead. Here is some advice on how to get approved even if you are a student. Keep your DTI down which stands for Debt to Income ratio. This shows the car lenders that you are able to make your payments on time if you don’t have a lot of debt. Best to keep this number below 40% Make sure that you have a regular source of income. Since you are a ... read more

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Car Shopping

Car Shopping

Buying a New Car Car shopping is fun. You get the opportunity to browse a dealership’s inventory, do a little fantasy car “shopping” and go out on fun test drives. In the end, you get to negotiate a (hopefully) good price with the dealership’s salesperson. Once all of this is over, though, you should not content yourself with signing the paperwork. Relaxing will be a big problem at this point, because unless you are paying cash for your new car, you will be soliciting lenders for a car loan. You should always try and get the lowest rates you can. Don’t take the first offer that they give. Try and push for a better deal and remind them there are several out there. Dealer Financing After you and the salesperson have picked out your car you will be directed to the finance office. They will try and upsell you with fancy add-ons. Sometimes they are perfect for you but most the time they can be an unnecessary expense. Large Banks ... read more

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Pay-As-You-Go Car Insurance?

Pay-As-You-Go Car Insurance?

Several auto insurance providers now allow customers to lower their insurance rates based on how they drive. Called “pay as you go” car insurance plans, the policies are underwritten the same way conventional plans are done but provide people with the chance to reduce their rates by up to 30 percent based on how, when and where they drive. This type of car insurance has been preferred by environmentalist groups believing that saving money will encourage people to drive less. Another attraction to pay-as-you-go car insurance is that the market can be better segmented; thereby enabling those who drive less and less dangerously save on car insurance. Companies could market to these drivers and attract them with lower rates. These types of drivers often include students who don’t drive as much as commuters and are often unable to pay high rates. Of course, when people drive less, there also are fewer accidents, and a 2005 study conducted by the Brook ... read more

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