Buying a New Car: It's Time We Are as Vigilant as Ever

As consumers, we really have developed a false sense of security when it comes to car dealers and buying our cars. I’m here to say, the auto dealers have adapted quite well. No longer are they wolves…now they are lions.

It seems as though everyone is out to get our money. Costs are skyrocketing and more and more products and services are out vying for our attention. Media is focusing its attention on “rear attacks” by directing its advertising on our children, our needs, our fears and emotions. Okay, well, that part’s not new, but it’s certainly more effective.

Brand recognition is critical for highly competitive retail items and customer service and reputation is the variable that either makes or breaks the deal.

So, why hasn’t any of this competition changed the way we buy cars?

Remember back in the 70’s? The good old days when buying a new car meant strolling down to the nearest cheesy car lot, getting battered by a slick, fast-talkin’ dude all decked out in his disco best.

How is it that, even though the attire and cheese-factor have changed, the slick, fast-talkin’ dudes still exist? And seem to be doing better than ever.

Today’s car dealerships boast increased customer support and service; touting special employees that are there to serve only you. They preach their employees are very customer-focused and are there to serve your every need.

But are they?

As consumers, we really have developed a false sense of security when it comes to car dealers and buying our cars. Surely things can’t be the way they were just a few decades ago. Companies that don’t adhere to the growing customer-is-always-right mantra are certainly companies that don’t last long….right?

Well, I’m here to say that the wolf has certainly stepped out of the disco-70’s garb….and is now wearing a clean white dress shirt, slacks and tie. Folks, the wolf is alive and well and is waiting for you to come fall victim to his fake loyalty to you.

How did they slip through the cracks? How did they manage to maintain their huge profitability through all of society’s demands for increased customer service? How is it that we still have to endure the experiences we do when we go to buy a car?

I’m here to say, the auto dealers have adapted quite well. No longer are they wolves…now they are lions.

Our generation of car buyer has been given a false sense of security due to the internet. We think that simply by knowing what the internet says the dealer invoice is that we have some sense of power over them. Well, actually, all we know is what they supposedly paid for the vehicle. That doesn’t mean they are going to gnash their teeth and say, “Oh darn it, Frank and Betty Smith found out our hidden secret invoice amount…now we HAVE to sell it to them for that!"

Not at all, my friend.

Sure, the dealer is motivated to sell cars. If they don’t sell you a car, they don’t make any profit. But, if they don’t make and profit, they don’t sell you a car.

The myths surrounding the dealers still exist; the secrecy is what has kept them so profitable through the turn of the millennium.

Who monitors the car deals to make sure it was all handled fairly and you paid a fair profit for the car? Who watches out to make sure those people with bad credit are really put back on the right track to rebuilding their life with their auto loan?

It’s like putting the witch in charge of Hansel and Gretel’s health regimen; the "what’s in it for her” is much greater than the “what’s in it for them.”

The only people watching out for you when you are car buying is YOU. It is up to you to be vigilant and protect yourself, your credit, and your money. You can count on the lions stalking you when you call or go in to the lot. You can count on them wanting to still make more money off of you than you make in a month or two at your job. Count on it. And if you aren’t careful, it’ll come true.

It’s going to take more than the internet to protect you from these predators. You will need to look at buying a car in a whole new light. A new breed of car buyers needs to emerge to keep these dealers in check and not let them bully and trick us into handing over all of our hard earned cash and credit rating.This article is presented by James Makoetla on behalf of J Makoetla Article Marketing & Ads.

Advertising Agency in Arlington Virginia.

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10 thinks every car 1

10 thinks every car buyer must know

J Makoetla Article Marketing is presenting this video to every car buyer to know.

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Buying a car needs not just investment but deep thought. The market is overflowing with choices and temptations. Buyers need to think, what kind of car and can I afford it?

Think, what do I need transportation for right now and what will I need two years from now? Do I want a car as a status symbol or as something that makes my life easier? Will the car be a commuter vehicle, or to transport children? Would a van with cargo space and high clearance be more suitable for a growing family? Should the car be a two-wheel or four-wheel drive? What kind of terrain will I be driving in most of the time? Go through auto magazines as well as consumer reports to get a clear picture of the world of cars.

1. Work on your finances and determine what you need to spend each month on transportation. A car should not cost more than 10% of your net pay per month. If it is more, then consider leasing a car instead of buying one.

2. Before you finalize anything, find out what the target price is. Four figure discounts are available with almost every make.

3. Never sign an arbitration clause or blank financial forms. Try and get finance from a separate source, a bank or financial institution.

4. Haggling will get you a good deal apart from shopping around for finance. The market is competitive be sure to check dealer fiancé, high street, internet lenders, as well as other options.

5. Try and ensure a large down payment thereby reducing the loan to be paid. Work out your finances and choice of car such that the term of loan is for the shortest period.

6. Find out what buying incentives are on offer. These vary from audio systems to cash back offers, and 0% financing. Ask what extras and add ons will cost in addition to the price of the car.

7. Be sure to evaluate your old car independently if you are considering a trade in. Pay attention to ‘cost to change’, the difference between what the new car costs and what the old one is worth.

8. Find out about warranties, taxes, and insurance. These can eat into your budget.

9. Vet the contract well. Read the fine print. Make sure that paying off the loan before time will not carry any penalty.

10. Check out at least 3-4 dealers to gauge what the best offer is.

Test drive the vehicle before you finalize the deal and go through the car booklet page by page to understand all that the manufacturer needs to tell you. Be clear what is under warranty and what is not.

Never choose vehicle based on a picture or dream. It is not how you look in the car that’s important but how well the car will fulfill your needs. Be practical and sensible; do not buy a model because the dealership is offering a holiday for two or a low interest scheme. Identify a vehicle that suits your needs before subjecting yourself to an onslaught of marketing.

Buying A Car 1

Buying A Car? Tips About Financing

J Makoetla Article Marketing & Ads is presenting Tips About Financing.
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Before purchasing a dream car, try to assess if the budget can really afford it. Questions like, how will it be paid, who will be helping to pay for it, what is the price limit of the car to be bought, and how long will it take to pay off the car? These should be considered even while planning to buy the car. The trend nowadays is that people buy the cars by cashing out the down payment, and the balance will be paid by installment. Others are just lucky enough to have saved the right amount of money that they are able to cash out the total cost of the car, which, by the way, seldom happens now. Never set aside the possibility of paying thousands of dollars when buying from a dealer or a specific car company, where in the end, charges you more for the interest which takes even years to pay.

Once you have found a way to finance the car you are eyeing on, then it’s time to start shopping around. There are credit unions and even local banks that are willing to loan the needed amount to purchase the car with an Annual Percentage Rate of only 1.9 per cent. However, this may turn out to be a catch, since this will only be happening on the first year. Without prior notice, these interest rates can increase which is a total inconvenience for those with just a fix income every year.

It is a big plus if a buyer is a member of a credit union. Being a member could save you from the trouble of spending a whole day in a lender’s office because the processing of the loan could only take just a few minutes after filling out the necessary papers for the request. In a credit union, fifteen to twenty minutes is all that is needed to do the application. They could even loan even up to $25,000.00 within just an hour after signing the papers.

It will be very helpful when a research is made prior to making that loan for a car. Believe it or not, car dealers are really digging out most of the penny in a buyer’s pocket by issuing interest that is sometimes unreasonable. There are two things needed to consider when thinking of financing a new car:

First, what’s the price willing to be spent by a buyer? More often than not, other people would rather ask themselves the question: How much of the car price do they intend to buy instead? They will be willing if the know they can afford their choice. Consider monthly regular expenditures. The monthly payment for the new car should not get in the way of paying the fixed monthly dues in the household. If in case it does, by merely doing a math, then just consider a second hand car. Just make sure that all is checked and examined to avoid hassle in the future.

Second, is it really important to change cars every two to four years? Consider cars offered on a lease, if so. Other dealers and car companies offer the leasing of a car for that amount of time, which you can return but no money will be refunded. However, there is an allotted amount of distance or mileage that should be covered during those years of lease, but this is negotiable. On the other hand, if a buyer is not interested in changing cars, it’s best not to opt for the cars for lease.

It is safest to get a loan from a credit union or a financial institution instead of a local car salesman; they would definitely try to reach even a buyer’s bottom dollar. Getting information from someone whom can be trusted and expert about financing a car, for they will be able to give you tips at your own interest. Financing either a new or a second hand car is a lot of sweat, but the determination to get the best car at the best price can be considered a success.

This should be a win, win situation for anyone. After all it’s your money that is at stake here. Do your research and it can be a beneficial decision on your part.

Budgeting for a Home 1

Budgeting for a Home Business

If you are considering starting your own home business, one of the first things you must think about is budgeting and planning to find the money you need.

You can start the planning process from your kitchen table if necessary.
You'll need a telephone with an answering machine to handle calls while you're budgeting and planning.

It is important that you project a favorable image.
So in addition to the phone, you will need good quality business cards, which should include your name, the company name, phone number, web site and e-mail address, for an example, http://jmakoetlamktgbiznet.business.site/ a computer with appropriate software is a necessity for internet marketers.

A calculator and a file cabinet would be nice but can wait a while.
Once you are organized and have an internet marketing plan, your next move will be to begin your home business budgeting and planning to find the money you need to get started.

Once you get the word out that you are ready to open your business, you can begin to try to locate a source to provide the capital you need. Some internet marketers build a successful business with no start-up money, but in general you will need at least a small amount of money to get started.

There are many individuals who are willing to invest in small internet marketing venture. Their willingness to invest depends upon the likelihood of your success, so be sure you explore all the options and choose your type of online business wisely. An investor is, after all, in business for the same reason you are, which is to make money. You can begin by advertising, personally contacting investors who want to make a profit during the process of lending you money. The old saying, "if at first you don't succeed, try, try again," applies here because if one lender is not willing to lend you money, chances are someone else will.

The more you advertise your services, the more likely you are to find the money you need as indicated by your budgeting and planning process. One way to begin is to run an advertisement in the "Investors Wanted" column in the classified section of a local newspaper. It might read like this: "Money needed internet marketing venture. Call 555-555-5555."

You should run your ad as often as you can in all the newspapers in your area for at least a month if you can afford it. The money for these ads will come out of the advertising budget that you created during the budgeting and planning process. This budgeting and planning for your home business is necessary in order to for you to find the money you need to become a successful internet marketer.

An additional or alternative ad could be run simultaneously with the other ads you are running. The purposes of these dual ads will be to reach as many potential investors as possible. You will possibly attract more than one investor, which will enable you to compare their terms and repayment options.

When you place your ads, you can list them under any or all of the following categories in the classified section: "Business Opportunities Wanted; "Financial & Loans Wanted;" or "Money to Loan." When you have responses to your ads, it is time to set up individual meetings with the potential lender. Your home business and budget planning, if done properly, can result in finding the money you need to become a successful and highly profitable internet marketer.