Is Leasing a Car for Me?

Dec 18, 2020

Miles & MIles & Miles, oh my

 

First, what are the miles driven annually as of right now in your current situation.

Are you in a secure job and what if you change jobs and your commute becomes a longer distance.

Also, where are your family and friends located and will you be doing a lot of visiting / road trips to get to them.

Where are you located and are you renting or have you purchased your home and do you plan of moving at any point in the near future which would change you distance to your job and family.

If you have children are they getting to the age of hanging out with friends, participating in sports, or on the verge of getting their permit, which would all lead to unforeseen mileage being racked up

Don’t forget to allot for any road trips you plan to take during the year(especially beach days)

 

Am I Neat & Organized

 

When you lease a vehicle it must be returned in the exact way you purchased it minus your mileage allowance and basic...

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How to Protect Your Vehicle During the Winter Months

Dec 05, 2020

We are going to give you some quick and painless tips to keep your vehicle safe and running during the arctic below zero temperatures we are experiencing this winter. 

 

No one likes being trapped on the side of the road in freezing weather & terrible conditions, so here are a few things you should know about and get done to keep you safe and happy! 



#1) Your Battery

 

  • Have it tested if you are getting serviced - Make sure it has a good charge
  • Make sure the terminals are clean from debris 
  • Check Manual for proper CCA = Cold Cranking Amps 
  • CCA refers to the number of amps a battery can deliver in cold temps ( find the # on the battery)



#2) Oil & Fluids 

 

  • Always refer to your vehicle’s owners manual for specific recommendations of service & replacement requirements of your particular year make and model. This will reduce unnecessary expenses for things that will last you a substantial amount of time.

 

OIL: Check...

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Underwater Car Loans - Sink or Swim

Nov 26, 2020

Underwater Car Loans : Sink or Swim

 

Is your car loan more then your vehicle is worth? Well if so then you are what is known as underwater or upside-down in your loan. Let’s discuss a few options to get you back on track and make sure this never happens again!

 

First we will need to figure out the actual current value of your vehicle. Grab my vehicle value worksheet to get you started.

 

Now that you have figured out it’s value let’s see what your options are.

 

#1.) You can sell the vehicle for what it’s worth and write a check for the difference and be done with it. The only thing with this option is that you are left with no vehicle. If you have wonderful public transportation and can make due without the use of a vehicle then that is a great option why you recoup your losses. Now you can save and buy again  (and buy right) when it makes financial sense.

 

#2.) Roll the negative equity into a new (used) vehicle...

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Lemonade Out Of Lemons - Manufacturers & Dealers - Selling You Lemon Law BuyBacks Without A Trace

Nov 23, 2020

Do you know what a lemon law buyback is?  It is something I have been seeing a lot of lately and it seems most people don’t know what this means.

These are vehicles that have been reacquired by the manufacturer because they have been deemed defective by lemon law standards. Vehicle manufacturers buy back thousands of vehicles every year because they either could not be fixed or are irreparable.

 

That’s where the unlucky consumer who thinks they are getting an amazing deal purchases these buybacks unknowingly. The vehicles can be resold to the public fixed or not and most likely there is no way to tell it was a lemon buyback.

 

Few states require any type of branding on the title when a vehicle is “repurchased” under a state’s lemon law. It gets better….. If there is any such discrepancies a simple transfer of the vehicle to a non-branding state gets it removed. Keep in mind that Lemon is not the term they use for this...

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Decode A Classic

Nov 20, 2020

Ever wonder how to determine if a classic car was restored to its original specs? I will show you how to figure out what this 1967 Chevy Camaro looked like when it was originally built.

 

In this particular vehicle there is a cowl tag located under the hood on the drivers side firewall.

This one is painted over but still legible enough to get the numbers and letters  to make out the original specs.

 

This tag will describe the basic characteristics of the vehicle:

 

Build Date: May 5th week of the month

 

Model: 1967 SS Model  Assembled in Norwood Ohio

Seats: Standard bucket seats / standard A50 Strato bucket seats with NO headrest.

 

Color:  G-G = Granada Gold inside and out

 

Options: Center Console Automatic Trans.

 

This little tag will give you a lot of information on a vehicle and I always find them interesting and love investigating all the codes and numbers.

 

It is important to find all the plates and stamped vin's...

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Essential Oil Car Care

Nov 13, 2020

I decided to try out the car humidifier / essential oil diffuser since I looove the one I have for my home and office. I went through the reviews of several until I found one that had pretty positive results and wasn’t too costly. Well, the results are in and I must say we love it!! I had a cold for many weeks and decided to use the mint essential oil and it was amazing!!! Even my two boys loved it!

                                         

I waited a few weeks to post this so I could thoroughly test it out and make sure it would hold up and it totally did. I absolutely love it and can’t wait to try out some more scents as the seasons change. This product works great and I love the fact it’s chemical free and good for our driving environment, mentally and physically.

Make sure to check the amazing benefits of essential oils in this article.

Cheers to a happy...

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Vehicle History Reports - What They Mean & How To Understand Them

Nov 09, 2020

A Vehicle History Report Breakdown gives the past and current information of a vehicle. It can include or possibly not include many details about a vehicle.

  • Past Owners
  • Odometer Readings
  • Liens
  • Accidents
  • Flood Damage
  • Vehicle Title History
  • Fleet / Rental History
  • Stolen
  • Salvaged
  • Dates of Service
  • When & Where the Vehicle Was Registered
  • Recalls
  • Warranty
  • Air Bag Deployment
  • Dates Sold (You can see how long a dealer has owned it Or how long it has been sitting)
  • Dates of New Vehicles Delivered To Dealers

The recorded history of damage to a vehicle will impact the value  regardless of the significance the damage. This amount could be anywhere between 10-30% less of its market value due to its history. Major or structural damage would have more of a severe loss then a minor fender bender.

 

When you are involved in a minor accident, where it is completely safe to drive away you may want to rethink calling the police, filing a report and going through your insurance company for...

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Effective Vehicle Financing Strategies

Oct 01, 2020

You want to have financial strategies in place before you start your quest to purchase any vehicle. This will keep you from getting yourself in too deep or just plain getting ripped off and having buyers remorse. Simply follow these steps to ensure you are prepared before you shop! Let’s go…..

 

Know Your Numbers

It’s important that you know where you stand so you can make informed decisions about your financing options. You want to know about yourself and not have to ask or find out from someone else.

Credit Score - This score is a mathematical prediction of your ability to pay your debts and will be a factor on determining your finance rate. It will effect the term of your loan and how long you can extend the time to pay off the vehicle.

A so-so score does not necessarily mean you can’t get financed.

 

Debt - To - Income Ratio

This is a measure of your ability to pay a lender back by your debt vs. income. So say you have high debt and low income,...

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Is Your Car Lease Turn-In Ready?

Sep 04, 2020

How to know if your ride is going to cost you at the end of your lease and what you should know ahead of time! 

Let's go over some key preparations to make sure you don't lose money.

#1  First, notify the dealer 60-90 days in advance

This will give you time to get financially prepared and consider your options for your next vehicle.

Decide if you are going to lease again or perhaps purchase a different new or used vehicle or buy your current lease.

Make sure to get out your contract and go over it to check for fees as well as the purchase price and mileage allowance and overage fees for every mile.

#2  Schedule an inspection

Schedule a vehicle inspection to take place at your home or work and make sure to be present. Charges will be assessed for any excessive wear and tear they find during the inspection.

*double check your contract to see if you purchased wear & tear insurance 

Always have the vehicle professionally detailed prior to the scheduled...

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Flood Cars in Your Market Place

Sep 04, 2020

Consumers Beware! Many flood vehicles end up back in the marketplace for unsuspecting buyers to purchase. Owners collect the money from the insurance companies and then sell the damaged vehicles to private buyers or salvage yards where the vehicles get refurbished and re-sold.

 

Sometimes the vin (vehicle identification number) is switched and the vehicle is re-titled, with no reports that there was any flood damage to the vehicle. Unscrupulous sellers will move the vehicles in and out of states re-registering them multiple times with clean titles, known as title washing. This is why it is extremely important to do a history report on the vehicle. Also check for tell-tale signs that the vehicle has sustained flood damage. Sometimes extensive repairs have been done to hide the flood damage and an average buyer and mechanic can find it very difficult to detect the damage. With all the recent floods you can guarantee that more damaged vehicles will end up all...

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