Category Archives: Automotive

Automotive, Financial

Bad Credit Should Not Keep You from Buying a Car

Leave a comment

Brattleboro VT,(December2010)-You can get car loans with bad credit. You need to consider exactly what bad credit does to your buying power. A poor credit score is one that is below 600 which is an average credit score. Bad credit scores are generally seen as 500 and below. The farther below the 500 mark you fall, the worse your credit rating will become.

What is the “so what” factor? Here is what you need to know. The lower your credit score is the higher the interest rate will be on any car loan that you obtain. Lower credit scores mean higher risks of non-payment for lenders so they hedge their risk by charging you more interest. More interest will cost you more in the long run to buy the vehicle. The amount of the interest also will decrease the purchase price you can afford on vehicles that you are looking for. So, you can get car loans with bad credit online and at dealers. Do your best to reduce your liability.

Assuming you already have bad credit, the best thing you can do is to try to begin improving your credit rating on a daily, weekly monthly and annual basis. Do not allow yourself to have any past due credit balances. Pay all your bills on time.Even past due utility bills can show up on your credit report and damage your credit rating. Pay off as many balances as you can. Do not max out charge cards or department store cards. The more credit you have available to you without being at the maximum level the better your score. Remember, each month that you pay your bills on time is reported just as much as if the account is delinquent or past due. Work hard to clean up your score as soon as possible. Establish a new payment record over months that show you now are paying your debts on time and as scheduled. You cannot change the past, nor have it wiped off your record, but you are in total control of how your future credit reports look like.

Check out Car Loans Galore.com. They can help you find a good car loan even with bad credit.

It will be worth your time.

PO Box 592
Brattleboro VT 5301
phone: 1-888-691-7852
e-mail: public@carloansgalore.com

Automotive

The Cost to Fix My Car is Just Too Damn High!

We have all probably been there; you bring your car in to the shop for what you think is a minor repair, then the mechanic comes to you and says the car needs expensive work.  Your reaction is to scream, “The cost is just too damn high”? Now what do you do? Well, you have a few choices.

You can pay the piper and get your car fixed. The question, of course is;”Is it worth it?” If the answer is; no or probably not, then there are some other things you can do with your car. You can trade it in for a new or better used car. Unfortunately, you may not get a particularly good trade in amount for the car if it needs significant repairs. You will have the same problem if you try to sell your car privately by advertising it the paper or online. It is extremely difficult to get a decent price for a car that needs repair. Even if your car is drivable, you have a legal obligation to tell the prospective buyer of any problems it has. If your car is really in bad condition, you can probably get a few dollars for it from a local junk yard.

If you itemize on your federal income tax return, you will get at least a $500 tax deduction if you donate your car to a charity. Sadly, many charities will not let you donate car if it does not run, is in poor shape or is over 10 years old. Fortunately, one charity; Cars4Charities does not care how old your car is, if it runs or what condition your car is in; they will proudly accept it as it is. Their simple requirements are that you have a title that is free of liens for your car, that the car is not stripped of any of its parts, that the tires are inflated and that the car is parked in a place where it can easily be towed.

Cars4Charities is recognized by the IRS as a 501 (c) (3) charity. Therefore, you be assured that they will handle your car donation properly and professionally. In return for your charitable contribution, you will get you a tax deduction of $500 or what Cars4Charities sells your car donation for, whatever amount is greater. They will also provide you with the forms you will need to submit with you taxes so that you can claim your valuable tax deduction.

Cars4Charities also allows you to donate car completely online at any time through their website, http://www.cars4charities.org/. This option greatly lowers their expenses enabling them to give more money to the charity you choose from their list of participating charities. It is also far better for our environment because it reduces the use of paper and other consumables.  If your car is in poor condition, Cars4Charities will make sure it is recycled properly.

For complete details on how to donate car, please contact Cars4Charities through their website http://www.cars4charities.org/ or by calling them toll free at 1-866-448-3487.

Automotive

Winterizing Your Car

Now that Fall is here, it will not be long before the temperatures get cold and the snow starts. That makes this a good time to get your car ready for winter. Here are some tips for winterizing your car;

1.   Check the tires and the spare. If your tires are worn, you should replace them. Worn tires do not provide much traction and do not handle well on wet or icy roads. The same is true for high performance tires. If you have those tires, you should consider putting snow tires on your car. You should also check the air pressure in your tires. Cold air makes the air in tires contract and that contraction may make the tires too low.

2.  Check the battery. Very cold temperatures can drastically reduce the power of your battery. You should have the battery tested at a certified repair shop. Also, check the posts and connections on your battery to make sure they are free of debris.

3.  Change the oil in the car. Many car makers recommend using less thick oil during the winter, so check your car’s manual.

4.  Check the belts and hoses. Replace any that show wear. You do not want to get stranded in the cold weather because of a broken belt or hose.

5.  Check the mixture of antifreeze. Ideally, there should be equal parts of antifreeze and water. You can purchase a tester for the antifreeze at most auto parts stores.

6.  Check the brakes, lights, heater and defroster and make any necessary repairs.

7.  Replace the wiper blades and fill the washer fluid reservoir.

8.  Check the 4WD on your car, if applicable. It should engage properly.

In addition to the above, there are several items you should put in your car in preparation for the cold temperatures and snow.  Here is a list;

1.  An emergency road kit including a blanket, flashlight, flares, etc.

2.  A first aid kit.

3.  A tool kit and jumper cables.

4.  A snow brush, ice scraper, small snow shovel, etc.

5.  A bag of sand or non-clumping car litter to use for added traction if your car gets stuck.

6.  Some extra clothes such as warm socks, a hat, gloves, boots, etc. to keep you warm if your car gets stuck.

7.  A small supply of water and food such as hard candy, nuts, and energy bars, etc., in case you get stranded.

When the temperatures get below freezing, remember to keep your gas tank full. This will prevent moisture from freezing the gas lines in your car. You should keep your cell phone charged in case you get stuck and keep an aerosol de-icer with you in case the door locks on your car freeze. Do not keep the de-icer in the car. It will not do you any good in the car when you are outside trying to get in!

Automotive

Turn Your Car into Cash

Leave a comment

If you own a car that you do not need, you will save some money on your taxes and help a very worthwhile cause when you donate your car to charity.  When you donate car, you get a tax deduction that is based on two things; the fair market value of your car and what the charity does with your car donation. If the charity uses your car, gives it to a deserving person or sells it to them at a greatly reduced price, you can claim the fair market value of the car as long as it is not more than what you paid for it. The fair market value is the amount you could sell your car for on the day you donate car and in the condition it was in on that day. If the charity sells your car donation, which is what most of them do, you can claim the larger of $500 or the amount it is sold for.

Many charities only accept vehicles that run, are in decent condition and are less than 10 years old. Cars4Charities does not have those restrictions; they will happily take your car in any condition.  They just ask that you provide a title for the vehicle, have not taken parts off of it, have the tires inflated, and park it in a place where the tow truck can easily get to it.

And, Cars4charities has over 1,000 international, national, state and local charities you can donate car to! With charities like local homeless shelters, food banks along with International and National charities like Aid for Haiti, the America Foundation for the Blind, the Prevent Cancer Foundation, the Asthma & Allergy Foundation, Autism Speaks, the Breast Cancer Research Foundation,  the Brain Trauma Foundation, the Diabetes Research Institute Foundation, the National Association for Down Syndrome, Food for the Poor, Partners in Health, Teach for America, Freedom from Hunger, the LAM Foundation, the National Brain Tumor Society, etc. to choose from, Cars4Charities can satisfy almost everyone’s philanthropic tastes.

The process of car donation at Cars4Charities is quite simple. It is so simple; you do not even have to make a telephone call. You can donate your car at your leisure, any time through their website, http://www.cars4charities.org/. In addition to the convenience, the online option greatly reduces administrative costs, resulting in more money going to the charity you select. It is also better for the environment because it lowers the use of paper and other consumables.

Complete details on how to donate car are available from Cars4Charities at their website http://www.cars4charities.org/ or by calling them toll free at 1-866-448-3487 (GIVE-4-US).

Automotive

Do Not Drive Your Car into the Ditch

Driving your car into the ditch seems to be the “catch phrase” during this political season. However, if it strikes a little too close to home for you because your car is in poor shape, please consider car donation. When you donate your car to charity, you help a worthy cause, get rid of a car that is giving you a lot of trouble and get a tax deduction of at least $500.

Cars4Charities would be proud to handle your car donation. They are recognized by the IRS as a non-profit car donation center so you can be confident they will handle your car donation properly and professionally.  Unlike many charities, Cars4Charities will let you donate car that is not running, or is more than 10 years old or is a rusted out piece of junk. Your car just needs to be in a place where the tow truck can easily get to it, not be stripped of parts and you need to have proof of ownership. Cars4Charities will pickup your car donation fast and free too!

When you donate car, you will receive a tax deduction of the greater of $500 or what Cars4Charities is able to sell your car for whichever amount is more. They will also provide you with the paperwork you will need to submit with your taxes so that you can claim your valuable tax deduction.

Cars4Charities has an extremely impressive list of charities you can donate car to. That list includes International charities like Aid for Haiti, Food for the Poor, Freedom From Hunger, the Fund For Peace, Helen Keller International, Partners in Health, the Smile Train, TropicalClinics, etc. They also have National charities like the American Autoimmune Related Diseases Association, the American Foundation for the Blind, the American Macular Degeneration Foundation, the American Parkinson Disease Association, the Asthma and Allergy Foundation of America, Autism Speaks, the Brain Trauma Foundation, the Breast Cancer Research Foundation, the Cancer Research Institute, the Diabetes Research Institute Foundation, the Juvenile Bipolar Research Foundation, the Lam Foundation, the National Association for Down Syndrome, the National Coalition for the Homeless, the National Council on Alcoholism and Drug Dependence, the Prevent Cancer Foundation, Teach for America, etc. Their list even includes many State and hundreds of local charities like food banks, homeless shelters, and various other fine charities.

When you are ready to donate car, please contact Cars4Charities at http://www.cars4charities.org/ or call 1-866-448-3487. They will gladly explain the entire car donation process to you and provide you with prompt and professional service.

Automotive

Don’t Labor Over Your Car, Put it Work for You

If you are tired of constantly fixing your car, maybe this is a good time for you to put your car to work for you. Your car will get you a tax deduction of at least $500 when you donate car to charity. Cars4Charities will proudly handle everything for you, promptly and professionally. They will have your car picked up fast and free. Cars4Charities will then send the proceeds from the sale of your car to the charity you select from their very impressive list. That list includes International charities such as Food for the Poor, Freedom From Hunger, the Fund for Peace, Helen Keller International, Partners in Health, the Smile Train, TropicalClinics, etc., National charities such as the American Autoimmune Related Diseases Association Foundation, the American Foundation for the Blind, the American Macular Degeneration Foundation, the Asthma and Allergy Foundation of America, Autism Speaks, the Brain Trauma Foundation, the Breast Cancer Research Foundation, the Cancer Research Institute, Canine Assistants, the Diabetes Research Institute Foundation, the Juvenile Bipolar Research Foundation, the Lam Foundation, the National Association for Down Syndrome, the National Coalition for the Homeless, the National Council on Alcoholism and Drug Dependence, the Prevent Cancer Foundation, the SASS Foundation for Medical Research, Teach for America, and many State and local charities such as food banks, homeless shelters, hospices, etc.

At Cars4Charities you can donate your car anytime online through their website http://www.cars4charities.org/. This option lowers their expenses and is better for the environment because it reduces the use of paper and other consumables.  If your car is in poor condition, Cars4Charities will make sure it is properly recycled.

Complete details on how to donate car are available at http://www.cars4charities.org/ or by calling toll free 1-866-448-3487 (GIVE-4-US).

Automotive

Why are Used Car Prices so High?

If you are in the market for a good used car, you are probably experiencing something that is usually only associated with new cars, namely Sticker Shock. So, what is causing the price of used cars to be so high? There are many reasons for it, but they all basically boil down to the law of supply and demand. When the supply is low or the demand is high, the price will go up. Currently, the supply for used cars is very and the demand is very high, so both are happening. The demand for used cars in up because many people who would normally buy a new car are now in the market for a used car. Concerns about our economy are steering people away from large ticket items, like a new car.

The supply of used cars in the market has dwindled for many reasons. One of those reasons is the government’s recent Cash for Clunkers program. This was the program that was supposed to stimulate new car sales and thus our economy. Under that program, people were given vouchers of up to $4500 to use towards the purchase of a new more energy efficient car when they traded in their used less fuel efficient car that ran. About 700,000 cars were traded in under the Cash for Clunkers program. Since those vehicles were ones that ran, they would normally have gone straight into the used car market. Instead, under the rules of the program all of the Cash for Clunkers cars were destroyed. The result was a 700,000 drain on the used car market.

Another reason for the shrinkage in the number of available used cars is that many motorists are choosing to keep their used cars rather than trading them in for a new or newer one.  In addition, there is an extreme lack of cars entering the market from rental car agencies and companies that provide fleet cars to their employees. Those institutions normally trade their vehicles in for new ones every year or two. At this time, those companies are holding onto those vehicles longer due to our lackluster economy.

When the economy begins to sufficiently improve the sale of new cars will finally increase. When that happens, the supply of used cars will increase correspondently and the price of those used cars will start to come down. Until that time comes, the price of used cars will remain high.

Automotive

Can I Keep My New Car from Rusting?

Car rust is caused when the metal is exposed to moisture over time. Keeping your new car waxed will help protect it from rusting since the wax forms a barrier between the metal and the moisture.

It is also important to keep moisture off your car. So, after you wash it, make sure the car and the undercarriage are completely dry before you put it in a garage. The undercarriage will dry simply by leaving the car outside for awhile.

You should also put mud flaps on your car to keep mud and other debris from collecting in the wheel wells. They will also protect your car from the dings caused by stones kicking up. Those dings will expose the metal to the elements and create an excellent place for rust to begin. If you do have any dings or small scratches on your car, you should address them before any rust begins. Some polishing compound and a little touch up paint will usually take care of them.

If you live in an area where it snows, you know how fast road salt will eat through the wax, paint and metal on your new car and accelerate the formation of rust. That is why it is very important to give your car a good coat of wax before the snow comes. During the winter, you only need to wash your car when the air temperature is above. Road salt is only active at temperatures above freezing, so you do not need to wash your car when it is very cold out. Besides, if you do wash your car when it is very cold outside, your door locks and power windows are likely to freeze. Of course, if you park your car in a garage, you will want to gauge when to wash your car by the temperature in the garage. When you do finally wash your car, you should pay special attention to cleaning the wheel hubs, wheel wells and undercarriage as these are the places where the road salt tends to stick.

You should also consider putting rubber mats on the floor of your new car during the winter months. These rubber mats will keep the salty water from melting snow from seeping into the carpets and rusting your floor boards.

Keeping your new car from rusting will take a little time. That time spend will be worth it by helping to maintain the appearance and value of your investment.

Automotive

Don’t Get Stranded With Nothing but Spam and Pop-Tarts

It will not be long before the cold winds of winter will start to blow. Before they do; you’ll want to get your car “winter ready”. Otherwise, you might end up like those unfortunate travelers on that cruise ship; stranded in the middle of nowhere with nothing but Spam and Pop-Tarts. 

First, you need to check your car battery. Extreme cold weather will rob it of much of its cranking power. If it is more than a few years old, you may need to replace it. Next, check the antifreeze in your radiator. You can buy an inexpensive tester at your local auto parts store. The tester will tell you if you have the correct amount of antifreeze. Of course, if your system has not been flushed in awhile, now is a good time to do that. Then, check your tires. If your tires are worn or you have high performance tires, you should replace them with snow tires. Also, make sure you maintain the proper amount of air in your tires. Cold weather will make the air in your tires contract resulting in them being soft if you don’t keep checking them.

Now is also a good time to change the oil in your car. Many car makers recommend using a thinner motor oil like 5W-30 during the winter months because it circulates better at colder temperatures and helps to reduce engine wear.  In addition, you should check your belts and hoses along with your brakes, heater, headlights and brakes lights, etc. to make sure all are in working order.

Once you have gotten your car ready for the cold, snow, ice and wind that winter brings, it’s time to stock it with all the items you will need to help you get through them. Those items include an ice scraper, a snow brush and small snow shovel, bag of sand or cat litter, road flares, jumper cables, blanket, etc.

If you don’t have confidence that your car will get you safely through the winter, now is the time to do something about it. You can spend a lot of money repairing your car, but that might not raise your level of confidence. You can attempt to sell your car. That might be difficult since the chances are good that if you don’t think it will survive the winter neither will a prospective buyer. You can trade it in towards a new or newer car. Unfortunately, if it is not in good condition, you probably won’t get much for it. You can avoid all that aggravation by logging onto http://www.cars4charities.org/ and donating your car to charity.

Cars4Charities will gladly accept your car in virtually any condition as long as you have a title, have not stripped parts off of it and have it parked where a tow truck can easily get to it. When you donate your car to charity, you get a tax deduction of the greater of $500 or the amount your car donation is sold for. No muss, no fuss! If you prefer to speak to someone in person, just call 866.448.3487 and they will be happy to give you the donate car details.

Automotive, Financial

Motorcycle Financing – Get a Loan to Ride your Passion

Leave a comment

Brentwood, NY, December 3, 2010–Motorcycles are an obsession which few people tame for life. However to take care of this obsession, you might need some exterior aid. Purchasing your dream motorcycle could require you to get a loan and to gain this loan fast and trouble-free; the best alternative need to be motorcycle loan online.

Dealing with online motorcycle finance, the borrower is capable of gaining many advantages which a regular motorcycle financing cannot provide. Also the wide ease of use and easy way in to online motorcycle finance make it a very easy option.

To benefit the maximum advantages with online motorcycle financing, the borrower need to take proper steps as purchasing the motorcycle with online motorcycle loan. Prior to applying for the loan, the borrower needs to make a decision of the motorcycle which he desires to purchase. As per to the pricing of the motorcycle, the loan need be applied for. It need to be only after the approval of the loan which the buyer must get in touch the dealer so that nobody could coax him to alter his choice and make him use a bigger amount.

Obtaining Online Motorcycle Finance Is Advantageous As:

  • The interest rates could be lowered through applying with the online mode as numbers of lenders are present who are keen to approach loan deals with low interest rates motorcycle loans. For this they’re prepared to cut down their interest rates.
  • The borrower could apply for online motorcycle finance simply, meeting in the calm of his office or else home. There is no necessitating to personally meeting any lenders.
  • A detailed evaluation of online motorcycle finance quotes could help the borrower in selecting the most appropriate deals.
  • Dealing with bad credit motorcycle loans online is really available simply for borrows having bad credit history. The interest rate is generally high for them however that could be lowered through proper researching for the loan.

The borrower could decide from the alternatives of secured as well as unsecured motorcycle finance online on his suitability of credit and by placing an asset as guarantee for the finance. These days lender offers number of good deals related to motorcycle financing with bad credit as the repayment term for online motorcycle finance is 5-7 years.

Apply for bad credit motorcycle loans >>Click Here

Contact Us:

Car Money Fast
2937 Wayback Lane
Brentwood, NY 11717
United States
631-349-8581
carmoneyfast@gmail.com
Website: http://www.carmoneyfast.com
###