Tips on Buying Your Next Car
When shopping for a car, new or used, start by asking yourself a few questions:
How many miles will you be putting on the car weekly?
What are the mpg ratings for the cars you are considering?
How will the car primarily be usedtaking kids to soccer, commuting to work?
What features do you need/want (air conditioning, CD player, anti-lock brakes)?
How large of a car loan can you afford?
How much of a monthly payment can you handle?
How much do you have for a down payment (cash or trade-in)?
Check the online car sites to find out the current pricing, safety records and other information on the makes and models you are interested in buying.
Get your financing first
Getting your auto loan first lets you know how much money you have to work with and sets a realistic focus on the car buying process. Another benefit of having financing in hand before visiting the dealership is that it will keep you out of their high-pressure finance departments.
The Annual Percentage Rate (APR) you will be charged on your car loan will depend on your credit history and FICO score. Other variables include current interest rates, market conditions and any special financial promotions being offered by dealers or manufacturers on the car you are buying.
The difference between the interest rate on a new car loan and a used car loan doesnt vary that much because used vehicles dont depreciate as quickly as newer models. This makes them better short-term collateral for the lender.
A good place to get a free car loan quote is
http://www.fastcarfinance.com. Their no-obligation online application will let you now how much you are qualified to borrow.
If you are buying new
Buying new gives you a new-car warranty that lasts for years. It also gives you more control over optional features, and, if you buy the right vehicle, it will have greater resale value down the road.
Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons. Consider ordering your new car if you do not see what you want on the lot.
Negotiate on price. Dealers may be willing to bargain on their profit margin, often between 10 and 20 percent. Usually, this is the difference between the manufacturers suggested retail price (MSRP) and the invoice price.
If you are buying used
A good used car should last longer than your loan. According to The U.S. Department of Transportation, the average life span of a vehicle is 13 years, with final mileage around 145,000.
If youre shopping for a used car at a dealership, ask for a conditioning report in addition to having your own mechanic check it out. You can also order the vehicles history report from an online service like CarFax or AutoCheck.
If you are buying from a private party, you will want to ask:
How long have you owned the vehicle?
Has the vehicle been in an accident or repainted?
When are the next state inspection and emissions tests due?
How often has the oil and filter been changed?
Why are you selling the vehicle?
Mike Hamel is the author of several articles about mortgage and auto financing. His material is featured on sites like
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Manifesting & The 3 Requisites For Change
How do you manifest faster, get more of what you want and stop manifesting what you don't want?
The best way to speed up your manifesting ability is to raise your vibration. Now obviously you're manifesting all the time - we all are. Every single thought, spoken or written word is manifested.
So what you need to do is follow what we call the 3 requisites for change. First you need to clear up anything that's holding you back from having what you want. Get your mind in the right place, so the action you take doesn't conflict with your deepest desires (especially the ones you aren't even aware of). Secondly you need to take action towards what you want, rather than away from it and thirdly you need to maintain your focus on what you want.
The first requisite will help you raise your vibration and clear the filters you perceive the world through. So this involves clearing up all your past emotional baggage around that specific area. So if we take the example of money, do you feel angry towards others who have what you want? Are you afraid of being around very wealthy people? Do you feel guilty about having money when you have it? And so on. Well your unconscious mind doesn't want you to feel all these emotions, so it does what it can to stop that happening and protect you from this by stopping you making a lot of money. So the first step is to let these 'negative' emotions go so you're comfortable around it. The next step is to get rid of any limiting decisions and beliefs you have around it. For example that "you don't deserve to have money", or that "money isn't important to you" and so on. This then opens up the flow of energy (that we call money) towards you and allows you to have some.
The second requisite will help you take the action you need to take to get money. After all you can have the clearest filters around money, but if you're sitting on the sofa all day doing nothing, chances are you probably won't get any money coming your way. So you need to actually take action, towards what you want. Not just any action, but honed laser sharp focused action to get you what you want.
The third requisite is where you maintain your focus specifically on what you want, as opposed to what you don't want! One reason people don't "get" what they want is that they don't maintain their focus on what they want. They put a thought out there that they want it, then 30 seconds later they put a thought out there that they don't want it. Even if that second thought is unconscious, or "via the back door" and didn't count as far as you're consciously concerned, it still sends the energy out there that you've changed your mind and you don't want it anymore, so the universe complies.
Take for example someone wanting more money. Now money is just energy, nothing more, nothing less. So if that person says "I want to make more money", then the universe gets into gear to deliver you more money. However, what is "more"? Well 1 cent more than you currently have is more than you currently have, so chances are you'll be out walking over the next couple of days and you'll see a penny on the sidewalk - "there you go" the universe says, "here's more money!" So what do you do? Well if you're like a vast proportion of people you either firstly don't even notice it, or if you do you choose to ignore it, because it's just a penny. What this tells the universe is that you don't want more money, so it gets into gear to deliver that to you instead, since you've clearly changed your mind about wanting more money.
So firstly remove all the blockages to your complete success, take the action you need to take to get your result and finally maintain your focus on your desired outcomes.
I hope you enjoyed this article. Stay focused on what you actually want and start to become more conscious of your thoughts and actions in that area of your life. If that area for you is money, start picking up those pennies!
Karen Dimmick MHT is a Quantum Healer, NLP, Time EmpowermentTM Technique and Hypnosis trainer who teaches people to release the 'baggage' that is holding them back, focus their minds and get results. Certification training, seminars and one to one sessions are all available. For more information visit
http://www.awakeninginsight.com or call 1-800-930-4073.
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