10th August 2009

CAR : PROPER MAINTENANCE TO SAVE MONEY

If the willingness to get your hand dirty every now and then, well you can save money just by doing basic car maintenance all by yourself. It’s not really a necessity to pay for a mechanic or for a service technician in doing those simple jobs, when you alone can do it on your own at a short span of time. But before you do any move, first thing’s first, you must understand your owner’s manual for the car you own. Below are some tips for you to follow in maintaining your car on a weekly basis.

1. If ever you can get someone to help you just for a short time, then better get them to turn your signals and watch your lights to make sure that all are working properly.
2. Make sure that your tires look good, without cracks and cuts. Also check the tire with gauge’s air pressure. This tire pressure is very important to the control of your car.
3. Check your hoses and belts for tears and cracks and change it if needed. Check also if your hoses have leaks.
4. Check oil in your engine with the car not running. Pull out stick and wipe it off and then change the stick in the engine and then pull it again and check its level. Put in proper oil if needed and be sure to change your car’s filter and oil every 3000 miles.
5. Look under your car and look for any fluid leaks. For car needs all of its fluids and when it leaks the leaking part can fail at great expense.
6. Check your battery. Battery has two flat covers on the top. Pull each of the cover off and check to be sure that there is enough water in each cell. Put distilled water in batteries.
7. Check brakes. Brake master cylinder is normally accumulated on the fire wall just in front of the driver. It has its flat cap and just pops off. Be very sure that brake fluid is kept full and if you are to add fluid you need to check for a leak in the brake system.
8. Check car’s power steering. Power steering is located on the front of the engine car rentals and normally has screw on the cap that has short stick gauge attached to it. This is a closed system and be very careful not to over fill this steering power unit.

You should be cautious to maintain any objects and your hands away from fan and belts while car’s engine is running. It’s much better t have a skilled technician or mechanic to help you if you’re doing it the first time.

If you’re going to follow the said advice and tips, you can effortlessly and quickly inspect car each week and be able to save a lot of your money by having your car longer-lasting and durable one.

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4th August 2009

LEASING vs. BUYING A CAR

Considering the idea of either buying or leasing a car is a very common dilemma – which is much better? Every one of us has ever considered leasing as a great option. The answer to the question of which is better, it depends. It is not simple to say that one is better than the other because the answer depends on every individual’s specific situation. When making a lease or buying a car you must not only look at its financial comparisons but also to your own personal priorities. We find out that making buy-or-lease decision is not quite cut and dry. There are so many things we need to consider. First is, we must understand that leasing and buying is two different scenarios, not just two different version of the same thing.

When we say we buy, we pay the entire cost of the vehicle. Regardless how many miles you’ve used it. We normally make a so called down payment, pay an interest rate determined by Loan Company and pay sales taxes in cash or roll them into loan. We make the first payment a month after we’ve sign the contract. And later we decide if either we sell or trade the car for its depreciated resale value. The greatest benefit we could get from buying a car is we may actually own it in one day. Included to this is we’ll have one day free of car payments. The car is ours to sell at any time and we’re not locked into any fixed ownership period type.

When we lease, we only pay a portion of the car’s original cost, which is the part that you use up during the time you’re using or driving it. We have the option of not making a down payment but we pay the tax only on out monthly payments, we pay a financial rate, which is similar to the interest in a loan. When leasing we are also required to pay for some fees and even possible a security deposit that we don’t pay when we buy. We make the payment at the time we sign our contract – for the ahead. At lease-end we may either purchase the car for its depreciated resale value or return the vehicle. Perhaps leasing a car’s greatest benefit is the lower-out-pocket costs when we acquire and maintain the car. Leasing requires no or little down payment and there is no upfront sales tax payment. Its monthly payments are lower, and we get the bliss of owning a new car every few years.

There are many different factors to mull over when deciding whether to lease a car or buy a new car. The processes of each are very different, with car leasing potentially being the more confusing of the two due to its vast terminology. Not sure if you should lease or buy? It’s is up to our decision if what fits us the most.

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3rd August 2009

NEW CAR vs. USED CAR

USED CAR
NEW CAR

Every one of us wants a new car. But is it worth our costs? This blog tells you why it’s more preferable to buy a used car rather than a new one. Or buying a used car is the smartest move you could ever do.

Purchasing a new car is quite a fun experience, we’ll be able to by those shiny, trendy and has that great new car ambiance. Sometimes we get stuck with a car that is almost at once worth less that we are paying for. If you’re paying for a new car that goes with an auto loan, depreciation means – you’ll be in an upside down mode of the loan or should we say you owe more than what the car is worth of. There are few benefits when you purchase for a new car. Purchasing a new car usually has a lower auto loan rates rather than purchasing a used car. In the case or purchasing a new car we can get few of the many advantages from it, the like, a.)Warranty coverage – manufacturer wraps it new car under warranty for more or less than 3 years, b.) Reduced maintenance – new vehicle never needs maintenance for its first several thousand miles, only its tune-up and oil change is required.

On the other hand, when it comes to purchasing a used car, we are avoiding the initial dramatic drop of its value. Used car usually comes with warranty programs that are equal to what’s being offered when you purchase a new car. Used car has its pricing services and research online, as well as its vehicle history. – This entails assurance when you decide on purchasing a used car. There are some advantages you can get when you want to purchase a used car rather than not marrying the idea of having a new car, the like is, a.) Improving reliability – purchasers of these certified pre-owned cars from those authorized dealers, they can purchase those late-model used car with its original warranty. Buying used car is less of a gamble; b.) Just like new – used car has a proliferation of certified pre-owned programs; c.) Increased choice – in choosing to have a used car consumers win in the market.

A new can will be in cast condition inside and out. New car has its up-to-date look. Purchasing a new car gives you less risk of being deceived as to the car’s actual condition. While having a used car you may be able pay for a more upscale model or one that’s fully laden. So now have you come up your mind – whether to purchase a new car or a used car?

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30th July 2009

ONLINE CAR SHOPPING

Web is really a hassle free place for you to shop for something – cars. There are also benefits when shopping your cars online. Shopping our cars online reduces hassle when dealing to car dealers and salesmen. When you buy your car online you don’t really have to listen to that dealer talk about all those specs of the car you want to have. There is no need for you to go to the showroom, all you need to do is, just point and click your mouse and browse to all those available car models. All transactions done on an online shopping can be done without you having to go out of your room. The time you are done ordering the car you want and done paying the bills, all you have to do is to droll for you brand new car to be delivered in your next-door dealer.
There are two types of online car shopping site. The first is the one that will get you in touch with those real car dealers – traditional transaction. Other websites even delivers your car right at your doorstep.
Before you hit it off and buy, first know accurately what type of car you want. Settle on the type of car that best fits your personality and the price that you’re willing to pay. Below are some helpful tips on how you can buy your car online.

1. Most vital thing for you to do is do the RESEARCH. Check on different packages available. Don’t get too keyed up.
2. Be very sure that the website you choose is reliable and secured. Other site lets you glance through cars price range, car type or both.
3. You can also do the transaction person to person, just ask your dealers to meet you in person. Upon meeting, negotiate with him about the normal car dealer and then process and sign the dealers.
4. Determine how you’ll be using your new car and reasons why you are buying that car in the first place. Ask yourself what features are important for you.
5. After you’ve decided the car model and brand, it would be much better to check the history of that particular line.
6. If your budget can’t afford to buy a new car, there is also a site that provides selling used cars. Some search engines usually have automotive section – good place for you to shop.
7. Check the background of the website of the online car dealer – just click the about us section. Buy only to those sites that have detailed information about all the cars they’re selling. Better ask them if they have conducted inspections of each car they have.
8. Read reviews of the different models, years and make of the cars. Good websites must have ratings and reviews for the cars they are selling.

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30th July 2009

PRE-OWNED AUTOMOBILES: “PRECAUTIONS TO FOLLOW WHEN BUYING USED AUTOMOBILES”


Previously, used cars are linked with futile, junks and useless. Then there goes the terms used cars and pre-owned automobiles, which were never, treated the same way. Essentially those pre-owned automobiles are used cars or vehicles, particularly those cars that fall under this certified pre-owned cars program.

This type of car program takes on it’s backed up with the extended guarantee and the inspection cost for every pre-owned automobiles.

Warranty of this kind of car is classified into two: 1.) pre-owned dealer-backed programs and 2.) Pre-owned factory-backed programs – this is where the manufacturers cover the warranty on inspecting used cars.

You as a buyer must be very careful in dealing with those warranties, either it is an extended warranty or other terms that are misleading.
A warranty is already included in the original price of the automobile while those extended warranties are an additional payment for future services,
those services that are all agreed upon. Terms and conditions are very important to look at, for clarifications purposes-which are covered and which are not.

Not all used cars can be considered as a certified pre-owned automobile, before they can qualify to this certification, its real manufacturers coordinate
with its dealers and ask for them to conduct an all-out inspection of cars if it’s gently or mildly used. If they are able to pass this certification, manufacturer
eventually offers support in the form of coverage that usually goes beyond the original warranty.

If you decide to buy a certified pre-owned cars, you as a buyer, must conduct research. Don’t be fooled by those pseudo salesmen out there.
Others may ride on with the profitability aspect of this program that unauthorized businessmen certifies the used-cars they are selling, but in reality did not undertake
the process of certification.

Be intense as well in searching for the resale values of automobiles that are of the same model and unit with the one you are eyeing in the certified program. You’ll gain a buyer’s confidence when you are well-known with how the market trend goes, with how the vehicles are priced. It will make you a brilliant haggler. Indeed, what a brilliant marketing idea it was to bestow a rather trashy object with a name that sells, a name that sells exactly like certified pre-owned automobiles.

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29th July 2009

BEST TECH LUXURY CARS

Afar from using well cabin equipments and featuring sublime styling, luxury cars eases our lives by taking care of its small details. Luxury car should unlock its doors when we approach, remember the preferred seating position of its owner and should turn on its headlights when it is dark. All these cars, features great navigation systems, and those stereos that produce blissful sounds. These cars have voice command system, and mostly listen to you when you speak. Read below and find out which of these cars fits you and your personality.

1. 2009 ASTON MARTIN DB VOLANTE

- This car has a beautiful coachwork mark and a stunning exterior. Have a standard 700-watt stereo system that is good, and a hard-drive-based navigation system that works quickly, and comes also with a Bluetooth system that shows us the cell phone contact lists. Its cabin electronics are modern enough for those cell phones and iPods.

2. 2009 BMW 750Li

- BMW loads this new car product the 750Li with of use driving electronics, the like is its head-up display, adaptive cruise control, and lane departure warning. Its navigation system features verdant topographical maps with its live traffic. It also comes with an excellent iPod and phone integration. Its power train and suspension can be set to different modes, together with comfort and sport. 2009 BMW 750Li delivers an impressive tech features on all fronts, that helps in justifying its high price. This sedan also offers the great cabin tech package among all its competitors.

3. 2009 MERCEDES-BENZ S550

- This cars new blind-spot warning system advises when lanes to the side are occupied. Its night vision and adaptive cruise control are two high-tech features. This car offers and incredibly comfortable ride.

4. 2009 JAGUAR FX

- JAGUAR FX offers clarity and exceptional separation for its music playback. The engine gives a good amount of power for the car while it delivers an acceptable fuel economy. This car really offers a luxury for your money, for this car goes with much unique exceptional audio system and high-tech touches.

5. 2009 HYUNDAI GENESIS 4.6

- This car has Lexicon stereo that produces superb sound, and ranks among the best. Its navigation system includes traffic information and its i Pod interface works very well. Transmission and engine of this car works smoothly. This car is considered excellent in listening to music and for cruising around.

6. 2008 MASERATI GRANTURISMO

- MASERATI GRANTURISMO performs perfectly and gracefully because of its adaptive suspension and power-train tuning. Its cabin tech takes in an 11-speaker Bose audio and a hard-drive-based navigation system.

7. 2008 AUDI L W12

- This car has a Bang and Olufsen audio system which delivers exceptional audio quality and also has Blue tooth integration. Its handles terrifically for its size, while it pampers you in your ride. Innovative driving tech takes in adaptive cruise control and departure warning. AUDI W12 coalesce surprisingly sporty performance and high luxury. Its tech credentials are attached by stellar Bang and Olufsen audio system, which take in some innovative driving tech. This car is really nice to drive with.

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28th July 2009

FIVE (5) BEST TECH CARS

Cars enlivens stern passion, most of this are irrational.  We know that anytime we try to criticize cars, we hear from many of its supporters.  When we review cars we try to keep our judgments balanced or fair by those other cars we’ve driven.  But we all got our own automobile passions.  I favor dexterous, quick cars over those behemoths.  Below are list of five of the best tech cars in the world.

1.    2009 NISSAN GT –R
-    This car is said to be inimitable, employing impressive tech in its suspension, drive systems, and its engine.  This cars electronic cabin is
considered also a top-notch, with its digital music system, cell phone integration and its navigation system.  2009 NISSAN GT – R tops the cabin tech because of an in-dash
performance computer. This car is really a technical tour de force, with proof of vividness throughout, and offers fun and exhilaration at heart-stopping levels.

2.    2009 CADILLAC CTS –V
-    2009 CADILLAC CTS – V is a well designed suspension and has a phenomenally powerful engine that serves a stable handling and a blistering acceleration.
Its navigation system offers an excellently integrated traffic and shows weather conditions as well.  Bose stereo delivers an immense clarity.  A luxurious sedan, and a high
performance one, this car sets a standard.  This car’s handles extraordinary well and blisteringly fast, offers an outstanding set of cabin gadgets.

3.    2008 MITSUBISHI LANCER EVOLUTION MR
-    The good thing about this car is it puts power to the road with excellent dual clutch transmission, turbo – charged four cylinder engine, and an
all-wheel-drive system.  This car uses hard drive-based navigation system with an extra room for storage of music.  2008 MITSUBISHI LANCER EVOLUTION MR combines impressive
performance and cabin tech which makes this car extremely fun to drive and nice to have.

4.    2008 BMW 135i COUPE
-    This sedan is combines a decent, handling and power in fuel economy.  Its navigation system takes in an excellent live traffic reporting, Bluetooth
cell phone support and a USB. This is really considered excellent to be driven every day and take out on a track.  This car scores big on its
performance and cabin tech.

5.    2009 LINCOLN MKS
-    2009 LINCOLN MKS     bids the all the best you can get in cabin tech, this has a THX audio system, fuel prices integrated into its navigation system
and traffic information built also on its navigation system.  This also allows great integration of MP3 players and cell phones, and unparalleled car’s voice command.
This sedan is a star when it comes to its in-cabin information sources, entertainment, and especially at its price.  2009 LINCOLN MKS is a comfortable, rather than a sporty
ride, and you should be contented with that.

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24th July 2009

TIPS ON AVOIDING CAR RIPOFFS

Let’s face the fact: It’s luxurious to preserve a vehicle and keep it in good working order. Especially in recessionary times like these, car repairs can truly sham a burden. The following tips can help you avoid spend too much money if and when your car breaks down.

1. READ OWNER’S MANUAL.

- At times the problem you’re facing really may be something simple that you can fix yourself. At the very least, the manual will remind you about scheduled maintenance that you shouldn’t ignore. As enticing as it can be to put such maintenance off to save money, try hard to attach to the manufacturer’s suggested service schedule outlined in the owner’s manual. Your car will thank you for it and ultimately reward you by requiring fewer costly repairs.

2. HUNT DOWN GOOD MECHANIC.

- Start shopping for a repair shop before you need one in a crisis. Ask friends for recommendations. Look for a mechanic who is certified by the National Institute of Automotive Service Excellence (ASE).

3. COMMUNICATE VERY WELL.

- When your vehicle acts up, describe the problem exactly and accurately. Bring a written list of symptoms to the shop and make sure the technician or service manager writes down everything you want checked.

4. GET MORE THAN ONE ESTIMATE.

- Take good notes when the first place you visit tells you what kind of repairs you need and how much those repairs will rate. Quickly call three or four other shops and ask how much they would charge for the same work. Try a variety of businesses, including independent shops, chain outlets and dealerships. Definitely get a second opinion if the first place recommends major repairs.

5. ARRANGE ALTERNATE TRASPORTATION.

- This way you won’t feel forced to choose a repair shop solely because of its location.

6. MAKE SIGNOFF A REQUIREMENT.

- When you drop your car off at a shop to have anything checked out, specify that you would like to receive a phone call with a cost estimate before any work begins.

7. CHECK STORE’S REPUTATION AND HISTORY OF COMPLAINS.

- Once you’ve zeroed in on a shop, take a few minutes to check its reputation.

8. GIVE A GO – AHEAD IF EVERYTHING IS GOOD.

- For the sake of expediency, you could allow the shop that’s holding your car to do the work if its price seems fair enough and its reputation is sound.

9. CLOSE DEAL CORRECTLY.

- When the time comes to pick up your car, look the bill over cautiously and make sure the whole thing matches up with the estimate you had been given and the remarks you took at the beginning of this process.

10. READ WARRANTY’S FINE POINT.

- Your warranty may need you to have a fit shop perform routine maintenance — particularly oil changes — on time

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23rd July 2009

PREVENTIVE MAINTENANCE FOR CARS

Majority men aren’t mechanics, and some men could be concerned less about their car as long as it looks superior and drives well. But a responsible driver should always take five minutes every other week or so to check the necessary parts of his car. If you pay correct attention to your car’s preservation needs, you will save a lot of time, money and annoyance by avoiding some luxurious repairs. Here are some things that you can do yourself:

1.    CHECK THE BATTERY
-    Lots batteries are so sophisticated they no longer entail much maintenance. To be on the protected side, however, you should be familiar with where your car battery is             placed and check it once in a while to make sure it is not leaking acid and has sufficient water. Most batteries have a condition indicator that displays diverse colors to             point out how it’s functioning: BLUE means it’s OK, RED means adding of distilled water, and WHITE means charging is essential.

2.    CHECK THE MOTOR OIL
-    For a precise analysis, check the oil dipstick while the car is turned off and parked on a horizontal plane. If the oil on the dipstick is black or deep red, have the oil changed             by a skilled or alter it yourself if you’re feeling confident. To check the oil level, pull the dipstick out and wipe it clean with a rag, then pitch it back into place. Pull the dip             stick out again and hold it horizontally for an accurate reading. Be sure the oil on the stick is just under or right at the correct oil-level line or indicator hole; it should never             be over. Putting overload strain on your hard-working car by not changing its oil will lead to trouble. An engine repair will have you dipping into your savings and leave you             without car for as long as it takes for the proper repairs to be made.

3.    REFILL THE ANTIFREEZE
-    Antifreeze keeps engine temperatures firm in all weather extremes and driving circumstances. Always be sure you have the right level of antifreeze because fooling             around with the cooling of your car’s complex mechanical parts is a pointless hazard. Antifreeze should be added when the engine is cool. Use a funnel as you would             when adding motor oil to avoid splashing this greenish, toxic chemical on other parts of the car.

4.    ALIGNING OF TIRES
-    To get an accurate evaluation of your tire alignment, bring your car to a professional and have it put on a automated tester. Having this test done every few weeks,             however, is not cost-efficient in the least. Instead, test the alignment yourself on a flat street. Drive the speed limit and leave a hand on the wheel for safety, but don’t             actually steer the car for a few seconds. If the car veers in one route and you need to manually keep your car driving straight, make an alignment appointment with a             mechanic.

Check for optimized tire pressure as well. Slightly deflated or unbalanced tires will not only cause instability when you drive at highway speeds, but will eventually distort             the tires and reduce your gas mileage. Always buy new tires in pairs so you can put the new ones on the front and move the old front ones to the back; this lets you get             more use out of them and avoid blowing a bundle on four new tires — unless a professional tells you it’s absolutely necessary, of course.

5.    REPLACING AIR FILTER
-    Air filter is on the engine air intake and prevents dust and dirt from entering the engine. So, take care of your engine by replacing your air filter when needed.

Checking the air filter only takes a few minutes. It is typically hidden under a plastic casing under the hood of your car and you have to unsnap the case to switch out the filter. Refer to your operating manual for precise instructions to avoid injury to yourself or harm to your vehicle.  As a rule of thumb, make sure your car train is off before lifting the hood to restore the air filter.

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17th July 2009

VEHICLE FINANCING

A few vehicle buyers used the so called – “direct lending,” getting a loan straight from a finance company, credit union or from a bank.  Once you and a vehicle dealership enter into a contract and agreed on a vehicle price, use the loan profits from the direct lender to pay the dealership of the vehicle.
A common type of a vehicle financing is the “dealership financing.”  A dealership and you agree on a contract with the agreed amount of the vehicle to be paid that comes along with agreed – upon finance charge.  The dealership sells usually the contract to the finance company, credit union or bank, which services the account and collects the payments.

Before arriving at a Dealership:
•    Do a research
•    Verify how much you can afford to finance a monthly payment.
•    Match up recent finance rates being offered by your contact lenders, credit unions or banks.
•    Look for vehicle buying guides, Internet is one great source, to find out information and price range of the vehicle you want to buy.

When visiting the Dealership:
•    Stick within the price range that you can afford.
•    Discuss your finance terms and arrangements.
•    Know fully the value and cost of discretionary products such as credit insurance or a guaranteed auto protection, and the extended service contract.
•    Deem carefully whether transactions are good for your funds and for your needs in transportation.
•    Carefully read the agreement before you sign.  Once the contract was signed you are already obligated to the concerns of the agreement.

What happens when you apply for a Financing:
Dealerships have a so called – FINANCE & INSURANCE Dept., that offers one –stop shopping for financing.  Head of this department ask you for a complete credit application.  This may include:
•    Name, Social Security Number and your birth date
•    Previous and current addresses and the length of your stay
•    Recent and previous employers and length of your employment
•    Income sources
•    Totality of you gross monthly income, and
•    Financial info on your existing credit accounts
Dealership gets a copy of your credit report that contains the information about your recent and previous credit obligations, data from public records – such as, bankruptcy filing, and your payment record.
Those dealers typically sell your contract to a finance company, credit union or a bank.  The dealership put forward your credit submission to at least one or more of those potential lenders in order to decide on their willingness to procure your contract from the dealer.  Dealers may be able to tender incentives, like, reduced finance rates.

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