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Auto Insurance Checklist; 14 ways to save money on auto insurance premium...
Auto Insurance Basics Information about: policies, coverages, and how to save money on your
premium..
Figure out what kind of coverage you need before you start shopping // Shopping for auto insurance? The price you pay
for your auto insurance can vary by hundreds of dollars, depending on your driving record, the type of car you have
and the insurance company you buy your policy from. Here is a list of things you can do to save money.
Shop Around Get at least three price quotes. You can call companies directly or access information on the Internet.
Your state insurance department [www.iii.org,
Get quotes from different types of insurance companies. Some sell through their own agents. Some sell through
independent agents who offer policies from several insurance companies. Other companies sell directly to consumers
over the phone or via the Internet. The price may vary depending on the sales method.
But don't shop by price alone. You want a company that answers your questions and handles claims fairly and efficiently.
You can also check the financial health of insurance companies through independent rating companies.
Before you buy a car, compare insurance costs.
Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood
of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock
brakes, daytime running lights and anti-theft devices.
(For more information on car safety, check the Insurance Institute for Highway Safety) ( And the National Insurance
Crime Bureau (NICB).
Auto Insurance Basics Information about: policies, coverages, and how to save money on your
premium..
Figure out what kind of coverage you need before you start shopping // Shopping for auto insurance? The price you pay
for your auto insurance can vary by hundreds of dollars, depending on your driving record, the type of car you have
and the insurance company you buy your policy from. Here is a list of things you can do to save money.
Shop Around Get at least three price quotes. You can call companies directly or access information on the Internet.
Your state insurance department [www.iii.org,
Get quotes from different types of insurance companies. Some sell through their own agents. Some sell through
independent agents who offer policies from several insurance companies. Other companies sell directly to consumers
over the phone or via the Internet. The price may vary depending on the sales method.
But don't shop by price alone. You want a company that answers your questions and handles claims fairly and efficiently.
You can also check the financial health of insurance companies through independent rating companies.
Before you buy a car, compare insurance costs.
Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood
of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock
brakes, daytime running lights and anti-theft devices.
(For more information on car safety, check the Insurance Institute for Highway Safety) ( And the National Insurance
Crime Bureau (NICB).
Ask for a higher deductable // Your deductible is the amount of money you pay out-of-pocket before your insurance
policy kicks in.
By requesting higher deductibles, you can lower your costs substantially.
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Reduce coverage in older cars //
Consider dropping collision and/or comprehensive coverage on older cars. It may not be cost-effective to continue
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Auto dealers and banks can tell you the worth of a car, or you can look it up online.
Buy your homeowners and auto coverage from the same insurer //
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Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage
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Ask about group insurance //
You may be eligible to get insurance through a group plan from your employer, or through professional, business and
alumni groups or other associations. Group plans often provide substantial discounts. Ask your employer, or any
groups or clubs of which you are a member, about this option.
Maintain good credit //
Your credit rating may affect what you pay for insurance, so monitor it carefully. You can get this information directly
from the three major credit-rating agencies (Equifax, Experian, Trans Union). There are also various Web sites that
allow you to check your credit rating and provide tips on how to improve your score.
Seek out safe driver discounts //
Most insurance companies offer discounts to policyholders who have not had any accidents or moving violations for a
number of years. You may also qualify for a cut if you have recently taken a defensive driving course, if you are over 50
and retired, or if there is a young driver on the policy who is a good student, has taken a drivers education course or is
away at a college, generally at least 100 miles away.
When you comparison shop, be sure to inquire about discounts for the following (availability will vary according to the
state and company):
| Seek out safe driver discounts // Most insurance companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course, if you are over 50 and retired, or if there is a young driver on the policy who is a good student, has taken a drivers education course or is away at a college, generally at least 100 miles away. When you comparison shop, be sure to inquire about discounts for the following (availability will vary according to the state and company): Auto Insurance Checklist; 14 ways to save money on auto insurance premium... Auto Insurance Basics Information about: policies, coverages, and how to save money on your premium.. 1. No accidents in 3 years, 2. No moving violations in 3 years, 3. Drivers over 50 to 55 years of age, 4. Driver training course, 5. Defensive driving course, 6. Student drivers with good grades, 7. College students away from home, 8. $500 deductible, $1,000 deductible, 9. Air bags, Anti-lock brakes, 10. Daytime running lights, 11. Anti-theft device, Low annual mileage, 12. Auto and homeowners coverage with the same company, 13. More than one car insured with the same company, 14. Long-time customer, But don’t forget that the key to savings is not the discounts but the final price. A company that offers few discounts may still have a lower overall price. |
| How to Get a Free Carfax History Report a used car is a good way for many people to get the vehicle of their dreams. A buyer can have more control when purchasing a used car by tracing its history via a free CARFAX report. You can find out if a used car was involved in a major accident or has ownership restrictions that may not be disclosed at the time of sale. •1 Ask for the vehicle identification number of the used car or truck you want to buy. This is a common request, and any reputable used-car salesman should provide a free CARFAX history report. •2 Inform a private seller of the report's benefits and ask that he wait until you can see one before the sale. If the seller has nothing to hide, they probably won't mind paying for the for the report. •3 Peruse the car dealership website. Many dealerships provide links to free CARFAX reports for their vehicles on their website. •4 Look through the multiple free CARFAX record checks, such as "Lemon Check," "Record Check," "Recall Check," "Problem Car Check" and free "Sample Reports." •5 Find a used car that comes with a free CARFAX history report by accessing the used-car database located on Carfax. com. Enter the year, make and model of the vehicle you would like to purchase to get a list of used vehicles in your area that come with a free CARFAX history report. 6 Visit some of the major car-buying websites on the Web and look for free CARFAX reports. Sites such as AutoTrader. com provide free reports for many of their vehicles. Your Complete Car Resource. Reviews, Tips & Warnings •Used cars can be delivered to your area from other parts of the country after a natural disaster, so this type of record can be important. • A Carfax report can indicate registration records that will alert you to an interstate sale. • Do not let any salesperson prevent you from accessing a Carfax report. It is a signal that the deal should not be completed. In order to get a free CARFAX report, let a car dealer know that a car won't be purchased until a report... CARFAX is a company that provides reports for the history of used vehicles. A CARFAX report will tell you important facts about... Purchasing a used car can save a lot of money but it can also become a financial headache if the buyer is... |
A Carfax history report can have a major impact on the price of a used vehicle. A Carfax report details the history...
There are several ways to get a free Carfax report when looking to buy a used car.
CARFAX is probably the most popular car history reporting service used when buying a used car. It provides useful
information to help...
A Carfax used-car history report is a must for anyone looking to purchase a pre-owned vehicle. The popular used-car
history reporting agency...
When buying a used car, knowing as much as possible about the vehicle can save you from making a very costly
mistake....
Comments. You May Also Like. How to Get a Free Carfax Report.
There are several ways to get a free Carfax report when looking to buy a used car.
CARFAX is probably the most popular car history reporting service used when buying a used car. It provides useful
information to help...
A Carfax used-car history report is a must for anyone looking to purchase a pre-owned vehicle. The popular used-car
history reporting agency...
When buying a used car, knowing as much as possible about the vehicle can save you from making a very costly
mistake....
Comments. You May Also Like. How to Get a Free Carfax Report.
How to Check a VIN Number on the Internet
An online search of your VIN number can show discrepancies in mileage on your odometer.
Every car made in the United States requires a vehicle identification number, or VIN. The VIN gives information such
as your model, make and year of your vehicle. Each VIN is unique to the vehicle on which is located.
It is required for registration of your vehicle, and most insurance companies require it as well. Because of the unique
number on every vehicle, a simple search for your vehicle's VIN number online can retrieve any accidents the
vehicle has been in, mileage or repair history.
•1 Locate the number on your vehicle. It is usually located on the driver's door. Open the door and on the panel that
is usually hidden when the door shut you will find a sticker with the VIN of the vehicle. The number is also located on
the dashboard on the driver's side of the vehicle.
•2 Double-check that the numbers are accurate. One number in the wrong place will give you incorrect information
during your search.
Google the words "vehicle history report." Select the reporting company that you would like to use. One of the most
popular vehicle history reporting companies is Carfax. Carfax is a paid service. There are, however, many free
vehicle history reporting companies.
•4 Enter the required information into the form on the vehicle history reporting company's website. Usually this is just
the VIN.
•5 Download the report. Depending on the service provider, the report may contain the number of previous owners,
accidents, odometer readings and a history of severe repairs. Usually you are able to print out this report right from
the website.
Tips & Warnings
Although the information obtained from a vehicle history report can help make an informed decision, get a certified
mechanic to check out any used vehicle before purchasing it.
An online search of your VIN number can show discrepancies in mileage on your odometer.
Every car made in the United States requires a vehicle identification number, or VIN. The VIN gives information such
as your model, make and year of your vehicle. Each VIN is unique to the vehicle on which is located.
It is required for registration of your vehicle, and most insurance companies require it as well. Because of the unique
number on every vehicle, a simple search for your vehicle's VIN number online can retrieve any accidents the
vehicle has been in, mileage or repair history.
•1 Locate the number on your vehicle. It is usually located on the driver's door. Open the door and on the panel that
is usually hidden when the door shut you will find a sticker with the VIN of the vehicle. The number is also located on
the dashboard on the driver's side of the vehicle.
•2 Double-check that the numbers are accurate. One number in the wrong place will give you incorrect information
during your search.
Google the words "vehicle history report." Select the reporting company that you would like to use. One of the most
popular vehicle history reporting companies is Carfax. Carfax is a paid service. There are, however, many free
vehicle history reporting companies.
•4 Enter the required information into the form on the vehicle history reporting company's website. Usually this is just
the VIN.
•5 Download the report. Depending on the service provider, the report may contain the number of previous owners,
accidents, odometer readings and a history of severe repairs. Usually you are able to print out this report right from
the website.
Tips & Warnings
Although the information obtained from a vehicle history report can help make an informed decision, get a certified
mechanic to check out any used vehicle before purchasing it.
//-Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to Lower Your Car Insurance Bill!
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What are the best ways to cancel a policy? Switching Auto Insurance Companies Relatively Painlessly.-
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Basics Information about: policies, coverages, and how to save. -
// Policy Cancellation, Standard practice for most insurance companies.
What are the best ways to cancel a policy? Switching Auto Insurance Companies Relatively Painlessly.-
// // Carfax Free Record Check and Car History Reports - Don't buy a Used Car without a Carfax History Report
How to Get Free Carfax Information?-
// Outrageous New-Car Scams To Avoid..-Unbilievable Information that every car buyer should know about... //
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Cancellation also Gap Insurance.-
// // Auto Insurance Checklist; 14 ways to save money on auto insurance premium...
Basics Information about: policies, coverages, and how to save. -
// Policy Cancellation, Standard practice for most insurance companies.
What are the best ways to cancel a policy? Switching Auto Insurance Companies Relatively Painlessly.-
// // Carfax Free Record Check and Car History Reports - Don't buy a Used Car without a Carfax History Report
How to Get Free Carfax Information?-
// Outrageous New-Car Scams To Avoid..-Unbilievable Information that every car buyer should know about... //
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The Most Interesting Blogs On The
Web, The Most Educative, Most
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Employment-Entrepreneurship-
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Marketing? A Powerful
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21 First Century. How to get
in? And how to make success?
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How to take advantage of the
internet and social media to
make money? Success Tips
And Resources / How To Find
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Media to grow your business?-
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and create a legacy for you
and your family.-
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Assets Protection: Don't Get Sued: Here Are
Five Tips To Protect Your Company, Your
Assets, Your Wealth!
''Types of Asset-Protection Vehicles; Many
different strategies have been developed
over the years claiming to protect assets...
''How To Get a Free Vehicle history report,
free carfax..
''Here Are 14 ways to save money on auto
insurance''
Things You Should Never Tell a Car Salesperson..
SEE MORE BELOW THE PAGE...
Five Tips To Protect Your Company, Your
Assets, Your Wealth!
''Types of Asset-Protection Vehicles; Many
different strategies have been developed
over the years claiming to protect assets...
''How To Get a Free Vehicle history report,
free carfax..
''Here Are 14 ways to save money on auto
insurance''
Things You Should Never Tell a Car Salesperson..
SEE MORE BELOW THE PAGE...
Assets Protection: Don't Get Sued: Five Tips To Protect Your Company! Types
of Asset-Protection Vehicles; Many different strategies have been developed
over the years claiming to protect assets, money, wealth.
SEE MUCH MORE BELOW THE PAGE...
of Asset-Protection Vehicles; Many different strategies have been developed
over the years claiming to protect assets, money, wealth.
SEE MUCH MORE BELOW THE PAGE...
Don't Get Sued: Five Tips To
Protect Your Company
As a business owner, it's your responsibility to do
everything within your means to limit risk and to
keep the business running smoothly. But how
does one go about limiting the possibility of a
lawsuit to ensure business continuity? In this
article, we'll take a look at five actions you can
take today to protect your company for tomorrow.
1. Watch What You Say and Do
First of all, when it comes to your business image,
owners and their employees should avoid making
any public announcements or conducting any
business that might be considered questionable.
This means avoiding things like libelous or
potentially slanderous statements, but it also
means not doing business with unscrupulous
individuals. You may not think it's a problem
working for a group of individuals who are known
for shoddy business practices - because you
know your company's ethics are above reproach -
but if they take a hit, your company's name may be
linked to them in the fallout.
This point also includes limiting any possible
conflicts of interest. Business owners and their
employees must avoid situations where a conflict
of interest may present itself. Situations such as
these can damage your integrity as a business
owner and could land you in legal hot water. For
example, sitting on the town council and helping
pass an ordinance that benefits your business
would be a conflict of interest, even if you didn't
make a decision with any benefit for your
company.
2. Hire a Competent Attorney
Business owners should interview attorneys
when they first start up, in order to have a ready
legal contact. You may need this person to advise
you before you act or on how to react when you've
been sued.
Owners should also attempt to secure an attorney
that is familiar with local laws and customs in the
area in which the business operates. Care should
also be taken to retain an attorney with expertise
in a particular field if necessary. If your company
is anticipating legal challenges from the Internal
Revenue Service (IRS) or taxation state
department it makes sense to hire a tax attorney.
There are several potential resources to help you
find a good attorney. These include cold calling
and interviewing from the phone book,
professional references from other business
owners, or through the professional organizations
to which the company belongs (like the local
chamber of commerce or any sector association
. Separating Yourself From Your
Business
Many business owners own and operate their
businesses as sole proprietorships. The only
problem with this is that in the event the company
is sued, the owner's individual assets (such as
their cars or home) are fairly easy to attack or
attach in a court of law.
The solution to this, or at least a way to limit the
possibility that the owner's personal assets might
be the target of a suit, is to have a trust own the
business. A trust is a legal entity that, in most
cases, files its own tax return and can own
property, businesses, cash, securities and a host
of other assets. If a business is owned by a
properly established trust, and it is sued, in most
cases the only assets that can be attacked or
attached in a court of law are those that are in the
trust itself.
Incorporate
Incorporating separates your company's finances
from your own. This makes your house and
personal wealth safe from attack even in the
event you lose your business in a judgment. The
downside to incorporating can come from
understanding and keeping up with the additional
laws, reports and taxes that the government
requires for a corporation.
4. Insure Yourself
All businesses should obtain liability insurance in
case (for example), a customer was to slip and
fall in your place of business. Certain
professionals, such as insurance agents and/or
consultants, should also consider obtaining errors
and omissions coverage to ensure the business
should a customer or client accuses the owner of
making some sort of error, or not living up to a
contract. (To read more about this area of
insurance, see Filling The Gaps In General Liability
Insurance and Cover Your Company With Liability
Insurance.)
If the business is large and has a formal board of
directors, it may also make sense to secure
directors and officers liability (D&O) insurance.
Once purchased, this insurance protects the
directors' personal assets in a larger suit against
the company.
In addition to purchasing insurance, another way
to insure yourself against liability is to build
protection into your contracts. If an act of nature,
a specific supplier or some other uncontrollable
act can make it impossible for you to fulfill a
contract (and thus open yourself up to legal
action) then you should be putting to ink that you
are not liable for incomplete work due to these
factors. Discussing the possible clauses and legal
phrases needed in your work contracts is one of
the best ways to employ your lawyer's time and it
will reduce your need for a lawyer later on in your
business venture.
5. Protect Your Files
As most businesses these days work quite
intensively on computers, it makes sense to
emphasize the safety requirements for your
computer system. Businesses should have
updated antivirus and other types of security
software loaded and activated on their systems. If
a computer system were to go down because of a
virus, the business may be at risk of not being
able to perform certain contracted work. In
addition, key files could be lost or stolen, which
could then lead to legal action from clients and/or
suppliers.
Protect Your Company
As a business owner, it's your responsibility to do
everything within your means to limit risk and to
keep the business running smoothly. But how
does one go about limiting the possibility of a
lawsuit to ensure business continuity? In this
article, we'll take a look at five actions you can
take today to protect your company for tomorrow.
1. Watch What You Say and Do
First of all, when it comes to your business image,
owners and their employees should avoid making
any public announcements or conducting any
business that might be considered questionable.
This means avoiding things like libelous or
potentially slanderous statements, but it also
means not doing business with unscrupulous
individuals. You may not think it's a problem
working for a group of individuals who are known
for shoddy business practices - because you
know your company's ethics are above reproach -
but if they take a hit, your company's name may be
linked to them in the fallout.
This point also includes limiting any possible
conflicts of interest. Business owners and their
employees must avoid situations where a conflict
of interest may present itself. Situations such as
these can damage your integrity as a business
owner and could land you in legal hot water. For
example, sitting on the town council and helping
pass an ordinance that benefits your business
would be a conflict of interest, even if you didn't
make a decision with any benefit for your
company.
2. Hire a Competent Attorney
Business owners should interview attorneys
when they first start up, in order to have a ready
legal contact. You may need this person to advise
you before you act or on how to react when you've
been sued.
Owners should also attempt to secure an attorney
that is familiar with local laws and customs in the
area in which the business operates. Care should
also be taken to retain an attorney with expertise
in a particular field if necessary. If your company
is anticipating legal challenges from the Internal
Revenue Service (IRS) or taxation state
department it makes sense to hire a tax attorney.
There are several potential resources to help you
find a good attorney. These include cold calling
and interviewing from the phone book,
professional references from other business
owners, or through the professional organizations
to which the company belongs (like the local
chamber of commerce or any sector association
. Separating Yourself From Your
Business
Many business owners own and operate their
businesses as sole proprietorships. The only
problem with this is that in the event the company
is sued, the owner's individual assets (such as
their cars or home) are fairly easy to attack or
attach in a court of law.
The solution to this, or at least a way to limit the
possibility that the owner's personal assets might
be the target of a suit, is to have a trust own the
business. A trust is a legal entity that, in most
cases, files its own tax return and can own
property, businesses, cash, securities and a host
of other assets. If a business is owned by a
properly established trust, and it is sued, in most
cases the only assets that can be attacked or
attached in a court of law are those that are in the
trust itself.
Incorporate
Incorporating separates your company's finances
from your own. This makes your house and
personal wealth safe from attack even in the
event you lose your business in a judgment. The
downside to incorporating can come from
understanding and keeping up with the additional
laws, reports and taxes that the government
requires for a corporation.
4. Insure Yourself
All businesses should obtain liability insurance in
case (for example), a customer was to slip and
fall in your place of business. Certain
professionals, such as insurance agents and/or
consultants, should also consider obtaining errors
and omissions coverage to ensure the business
should a customer or client accuses the owner of
making some sort of error, or not living up to a
contract. (To read more about this area of
insurance, see Filling The Gaps In General Liability
Insurance and Cover Your Company With Liability
Insurance.)
If the business is large and has a formal board of
directors, it may also make sense to secure
directors and officers liability (D&O) insurance.
Once purchased, this insurance protects the
directors' personal assets in a larger suit against
the company.
In addition to purchasing insurance, another way
to insure yourself against liability is to build
protection into your contracts. If an act of nature,
a specific supplier or some other uncontrollable
act can make it impossible for you to fulfill a
contract (and thus open yourself up to legal
action) then you should be putting to ink that you
are not liable for incomplete work due to these
factors. Discussing the possible clauses and legal
phrases needed in your work contracts is one of
the best ways to employ your lawyer's time and it
will reduce your need for a lawyer later on in your
business venture.
5. Protect Your Files
As most businesses these days work quite
intensively on computers, it makes sense to
emphasize the safety requirements for your
computer system. Businesses should have
updated antivirus and other types of security
software loaded and activated on their systems. If
a computer system were to go down because of a
virus, the business may be at risk of not being
able to perform certain contracted work. In
addition, key files could be lost or stolen, which
could then lead to legal action from clients and/or
suppliers.
11 Great things to do with your money in financial crisis, in difficult
economic time
Trust Account: Definition of a Trust; Land Trust, Living Trust,
Revocable Trust, Land Contract. It is one of the oldest and best
defined relationships known in the law
How to protect yourself and a business against malicious law-suits?
Will & Living trust
What is a will and what is living trust? How does a living trust avoid
probate?
{Investment} The Ultimate Retirement Guide for Everyone; Retire
Rich, Retire Early
How can I protect my assets? {Business 101 --- Corp., S - Corp., LLC,
General Partnership, Limited partnership, Trust Account, Will and
Living-Trust}
economic time
Trust Account: Definition of a Trust; Land Trust, Living Trust,
Revocable Trust, Land Contract. It is one of the oldest and best
defined relationships known in the law
How to protect yourself and a business against malicious law-suits?
Will & Living trust
What is a will and what is living trust? How does a living trust avoid
probate?
{Investment} The Ultimate Retirement Guide for Everyone; Retire
Rich, Retire Early
How can I protect my assets? {Business 101 --- Corp., S - Corp., LLC,
General Partnership, Limited partnership, Trust Account, Will and
Living-Trust}
S Corporations
An S corporation is similar to a C corporation except
that it qualifies for a special IRS tax election to have
corporate profits pass through the business and be
taxed only at the shareholder level. While the liability
protection afforded to C corporations generally
applies to S corporations as well, there are additional
qualifications the S corporation must meet as to the
number and type of shareholders, how profits and
losses may be allocated among shareholders, and
the kinds of stock the company can issue to
investors.
Limited Liability Corporations
Due to the added formalities imposed on S
corporations, a newer entity has evolved, which
affords similar liability protection to corporate
principals as a C corporation and the same
"pass-through" tax treatment of S corporations, but
without the formalities and restrictions associated
with an LLC.
General Partnership
A general partnership is an association of two or
more persons carrying on a business activity
together. This agreement can be written or oral. As
an asset-protection tool, a general partnership is one
of the least-useful arrangements because each
partner is personally liable for all of the debts of the
partnership, including debts incurred by other
partners on behalf of the partnership. Any one
partner can act on behalf of the other partners with
or without their knowledge and consent.
This feature of unlimited liability contrasts with the
limited liability of the owners of a corporation. Not
only is a partner liable for contracts entered into by
other partners, but each partner is also liable for the
other partner's negligence. In addition, each partner
is personally liable for the entire amount of any
partnership obligation.
Limited Partnership
A limited partnership (LP) is authorized by state law
and consists of one or more general partners and
one or more limited partners. The same person can
be both a general partner and a limited partner, as
long as there are at least two legal persons or
entities, such as a corporation who are partners in
the partnership. The general partner is responsible
for the management of the affairs of the partnership
and has unlimited personal liability for all partnership
debts and obligations.
Limited partners have no personal liability for the
debts and obligations of the partnership beyond their
contributions to the partnership. Because of this
protection, limited partners also have little control
over the day-to-day management of the partnership.
If a limited partner assumes an active role in
management, that partner may lose his or her limited
liability protection and be treated as a general
partner. This restricted control over the partnership
business diminishes the value of limited-partnership
shares.
Trusts
A trust is an agreement between the person creating
the trust (referred to as the settler, trustor, or
grantor) and the person responsible for managing
the assets of the trust (the trustee). The trust
provides that the grantor will transfer certain assets
to the trustee, who will hold and manage the assets
in trust for the benefit of another person, called the
beneficiary. A trust created during the life of the
grantor (an inter-vivos trust) is also called a living
trust, while a trust created at the death of the grantor
through a will or living trust is referred to as a
testamentary trust.
While trusts have been used in many different
asset-protection strategies, there are two basic
types of trusts: revocable and irrevocable.
A revocable trust is one in which the grantor
reserves the right to alter the trust by amendment, or
to dissolve a part or all of the trust by revoking it. The
grantor has no such rights with an irrevocable trust.
It's this precise lack of control that makes the
irrevocable trust a powerful asset-protection tool.
You can't be sued for assets you no longer own or
control.
Selecting the Right Asset-Protection Vehicle
Now that you're familiar with the most common
asset-protection structures, let's consider which
vehicles work best to protect particular types of
assets.
If you own a professional practice or business, your
risk of loss and liability for claims is particularly high,
making this type of business a dangerous asset.
Incorporating your business or practice long has
been considered the best way to insulate your
personal assets from liability and seizure resulting
from claims against your business. However, the
limited liability company is quickly replacing the
standard business or C corporation as the
asset-protection entity of choice.
An S corporation is similar to a C corporation except
that it qualifies for a special IRS tax election to have
corporate profits pass through the business and be
taxed only at the shareholder level. While the liability
protection afforded to C corporations generally
applies to S corporations as well, there are additional
qualifications the S corporation must meet as to the
number and type of shareholders, how profits and
losses may be allocated among shareholders, and
the kinds of stock the company can issue to
investors.
Limited Liability Corporations
Due to the added formalities imposed on S
corporations, a newer entity has evolved, which
affords similar liability protection to corporate
principals as a C corporation and the same
"pass-through" tax treatment of S corporations, but
without the formalities and restrictions associated
with an LLC.
General Partnership
A general partnership is an association of two or
more persons carrying on a business activity
together. This agreement can be written or oral. As
an asset-protection tool, a general partnership is one
of the least-useful arrangements because each
partner is personally liable for all of the debts of the
partnership, including debts incurred by other
partners on behalf of the partnership. Any one
partner can act on behalf of the other partners with
or without their knowledge and consent.
This feature of unlimited liability contrasts with the
limited liability of the owners of a corporation. Not
only is a partner liable for contracts entered into by
other partners, but each partner is also liable for the
other partner's negligence. In addition, each partner
is personally liable for the entire amount of any
partnership obligation.
Limited Partnership
A limited partnership (LP) is authorized by state law
and consists of one or more general partners and
one or more limited partners. The same person can
be both a general partner and a limited partner, as
long as there are at least two legal persons or
entities, such as a corporation who are partners in
the partnership. The general partner is responsible
for the management of the affairs of the partnership
and has unlimited personal liability for all partnership
debts and obligations.
Limited partners have no personal liability for the
debts and obligations of the partnership beyond their
contributions to the partnership. Because of this
protection, limited partners also have little control
over the day-to-day management of the partnership.
If a limited partner assumes an active role in
management, that partner may lose his or her limited
liability protection and be treated as a general
partner. This restricted control over the partnership
business diminishes the value of limited-partnership
shares.
Trusts
A trust is an agreement between the person creating
the trust (referred to as the settler, trustor, or
grantor) and the person responsible for managing
the assets of the trust (the trustee). The trust
provides that the grantor will transfer certain assets
to the trustee, who will hold and manage the assets
in trust for the benefit of another person, called the
beneficiary. A trust created during the life of the
grantor (an inter-vivos trust) is also called a living
trust, while a trust created at the death of the grantor
through a will or living trust is referred to as a
testamentary trust.
While trusts have been used in many different
asset-protection strategies, there are two basic
types of trusts: revocable and irrevocable.
A revocable trust is one in which the grantor
reserves the right to alter the trust by amendment, or
to dissolve a part or all of the trust by revoking it. The
grantor has no such rights with an irrevocable trust.
It's this precise lack of control that makes the
irrevocable trust a powerful asset-protection tool.
You can't be sued for assets you no longer own or
control.
Selecting the Right Asset-Protection Vehicle
Now that you're familiar with the most common
asset-protection structures, let's consider which
vehicles work best to protect particular types of
assets.
If you own a professional practice or business, your
risk of loss and liability for claims is particularly high,
making this type of business a dangerous asset.
Incorporating your business or practice long has
been considered the best way to insulate your
personal assets from liability and seizure resulting
from claims against your business. However, the
limited liability company is quickly replacing the
standard business or C corporation as the
asset-protection entity of choice.
GENERAL INVESTMENT
STRATEGIES, METHODS, AND
TECHNIQUES. A BETTER WAY TO
BUILD WEALTH! When it comes to
reliable investments, real estate
investing is the best wealth-
builder in the world.
INVESTING / METHOD AND
TECHNIQUES TO INVEST IN
TODAY'S MARKET FOR A BETTER
TOMORROW
STOCK MARKET: A WAY TO
INVEST AND MULTIPLY YOUR
MONEY. THE MARKET HAS
THOUSANDS OF COMPANIES TO
BUY STOCKS, Mutual Funds,
Bond Funds, Annuity. The market
in which shares are issued and
traded either through
exchanges or over-the-counter
markets.
REITs= REAL ESTATE
INVESTMENT TRUST: A GREAT
WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE
LOAN
FOREX MARKET: THE LARGEST
MARKET IN THE WORLD TO
INVEST AND GET RICHER IF YOU
USE THE RIGHT TOOLS
INSURANCE 101: THE
IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE. HOW TO SAVE
MONEY ON YOUR INSURANCE
PREMIUM? LEARN ABOUT THE 5
INSURANCE POLICIES
EVERYBODY NEEDS AND THE 15
INSURANCE POLICIES YOU DON'T
NEED.
REAL ESTATE INVESTMENT
SECRETS REVEALED, REAL
ESTATE CAN HELP YOU GET
RICHER THE QUICKEST, EASIEST
WAY POSSIBLE. HOW TO GET
PRE-QUALIFY FOR A HOME
LOAN? HOW DOES OWNER
FINANCING REALLY WORKS
SMALL BUSINESS, METHODS,
TECHNIQUES, AND STRATEGIES.
Business structures 101. LLP,
LLC, S-corp and C-corp: It's not
just alphabet soup! A breakdown
of what you need to know, in
layman's terms.
Mortgage Loans Modification:
SAVE YOUR HOME, SAVE YOUR
CREDIT, REDUCE YOUR
MONTHLY PAYMENT, AVOID
FORECLOSURE
HOME REFINANCE: 10 GREAT
REASONS TO REFINANCE A
PROPERTY. RATES ARE STILL
NEAR HISTORIC LOWS, IT MAY BE
A GOOD TIME NOW TO
REFINANCE! SOUTH FLORIDA
CALL: 786-709-6577 -- WE'RE
LICENSED MORTGAGE BROKER
AMERICAN BANKING SYSTEM:
BANKING HISTORY; GREAT
THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY
BANKING AND FINANCE,
COMMERCIAL BANKING: The
fundamental functions of a
commercial bank during the past
two centuries
SAVING: THE SECRETS OF
SAVING; WAYS TO SAVE A LOT OF
MONEY AND GETTING RICHER. 66
WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten
Resolutions to Make Your
Financial Life Easier. 10 Ways to
Avoid Overdraft and Bounced
Check Fees
THE 16 DAYS THAT SHOOCK THE
US ECONOMY IN SEPTEMBER,
2008. A shocking series of
events that forever changed the
financial markets.
AMERICA’S MONEY CRISIS /
Bailout 101: What new law says.
Here's a rundown of key
provisions of the financial
rescue plan that United State
Senate voted, Wednesday
October 1; and the house voted
Friday October 3, 2008.
FORTUNE, CREATION AND
INTRODUCTION: When you invest
in stock, you buy ownership
shares in a company. Before
You Invest; Before undertaking
any investment program, it is
critical that you assess your
current situation and form goals.
Evaluating a Stock, Creating an
Emergency Fund
Trust Account: Definition of a
Trust; Land Trust, Living Trust,
Revocable Trust. In general, a
"trust" is a legal entity that is
able to own property and other
assets.
STRATEGIES, METHODS, AND
TECHNIQUES. A BETTER WAY TO
BUILD WEALTH! When it comes to
reliable investments, real estate
investing is the best wealth-
builder in the world.
INVESTING / METHOD AND
TECHNIQUES TO INVEST IN
TODAY'S MARKET FOR A BETTER
TOMORROW
STOCK MARKET: A WAY TO
INVEST AND MULTIPLY YOUR
MONEY. THE MARKET HAS
THOUSANDS OF COMPANIES TO
BUY STOCKS, Mutual Funds,
Bond Funds, Annuity. The market
in which shares are issued and
traded either through
exchanges or over-the-counter
markets.
REITs= REAL ESTATE
INVESTMENT TRUST: A GREAT
WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE
LOAN
FOREX MARKET: THE LARGEST
MARKET IN THE WORLD TO
INVEST AND GET RICHER IF YOU
USE THE RIGHT TOOLS
INSURANCE 101: THE
IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE. HOW TO SAVE
MONEY ON YOUR INSURANCE
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INSURANCE POLICIES
EVERYBODY NEEDS AND THE 15
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REAL ESTATE INVESTMENT
SECRETS REVEALED, REAL
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RICHER THE QUICKEST, EASIEST
WAY POSSIBLE. HOW TO GET
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SMALL BUSINESS, METHODS,
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Business structures 101. LLP,
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Mortgage Loans Modification:
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AMERICAN BANKING SYSTEM:
BANKING HISTORY; GREAT
THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY
BANKING AND FINANCE,
COMMERCIAL BANKING: The
fundamental functions of a
commercial bank during the past
two centuries
SAVING: THE SECRETS OF
SAVING; WAYS TO SAVE A LOT OF
MONEY AND GETTING RICHER. 66
WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten
Resolutions to Make Your
Financial Life Easier. 10 Ways to
Avoid Overdraft and Bounced
Check Fees
THE 16 DAYS THAT SHOOCK THE
US ECONOMY IN SEPTEMBER,
2008. A shocking series of
events that forever changed the
financial markets.
AMERICA’S MONEY CRISIS /
Bailout 101: What new law says.
Here's a rundown of key
provisions of the financial
rescue plan that United State
Senate voted, Wednesday
October 1; and the house voted
Friday October 3, 2008.
FORTUNE, CREATION AND
INTRODUCTION: When you invest
in stock, you buy ownership
shares in a company. Before
You Invest; Before undertaking
any investment program, it is
critical that you assess your
current situation and form goals.
Evaluating a Stock, Creating an
Emergency Fund
Trust Account: Definition of a
Trust; Land Trust, Living Trust,
Revocable Trust. In general, a
"trust" is a legal entity that is
able to own property and other
assets.
Assets - Money & Wealth Protection: Don't Get Sued: Here Are Tips To
Help Protect Companies - Money & Wealth!
Types of Asset-Protection Vehicles; Many different strategies have been
developed over the years claiming to protect assets, money, wealth.
...
Help Protect Companies - Money & Wealth!
Types of Asset-Protection Vehicles; Many different strategies have been
developed over the years claiming to protect assets, money, wealth.
...
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Things You Should Never Tell a Car Salesperson...
Oversharing Can Cost You When Buying a Car
Buying a car is pretty exciting. But if you want to get the best deal, it’s best to contain
your enthusiasm and limit the amount of information you share. The knowledge that
gives you the power to make a great deal can also be used to the dealer's advantage.
Any skilled negotiator will tell you that the more they know about their buyer, the more
money they can get from them. It’s in your best interest to be friendly, but firm, and
only give them the information you want them to have when you want them to have it.
Your primary mission early in the buying process is to set the price of the car without
any discussion of financing or a trade-in. Bundling all three together can breed
confusion, which is in the salesperson’s best interest, not yours.
Oversharing Can Cost You When Buying a Car
Buying a car is pretty exciting. But if you want to get the best deal, it’s best to contain
your enthusiasm and limit the amount of information you share. The knowledge that
gives you the power to make a great deal can also be used to the dealer's advantage.
Any skilled negotiator will tell you that the more they know about their buyer, the more
money they can get from them. It’s in your best interest to be friendly, but firm, and
only give them the information you want them to have when you want them to have it.
Your primary mission early in the buying process is to set the price of the car without
any discussion of financing or a trade-in. Bundling all three together can breed
confusion, which is in the salesperson’s best interest, not yours.
1) “I’m Going to Pay Cash!”
It is awesome that you can pay cash for your new wheels, but it is about the last thing
you ever want to say to a salesperson. There are great reasons to pay cash, including
saving a ton of money by not paying any interest on a car loan.
However, dealerships now make a tremendous amount of their profit off of new and
used car financing, so telling them that you won’t be borrowing money will cause them
to jack up the price of the car to make up for the profit that they won’t be making on
the financing.
Telling them how much money you have to spend on a car tells them that they will not
be able to move you into a more expensive, more profitable vehicle, so they will try to
maximize the profit that they make within your budget. For example, instead of getting
a great deal on a Honda Accord with your $25,000 budget, they might steer you to a
Honda Civic, where they will make much more profit from your $25k purchase.
Only tell them that you plan to pay cash after you have a price negotiated and you are
preparing to sign the final paperwork. Then, before you sign, read all of the fine print
to ensure that your price hasn’t changed
It is awesome that you can pay cash for your new wheels, but it is about the last thing
you ever want to say to a salesperson. There are great reasons to pay cash, including
saving a ton of money by not paying any interest on a car loan.
However, dealerships now make a tremendous amount of their profit off of new and
used car financing, so telling them that you won’t be borrowing money will cause them
to jack up the price of the car to make up for the profit that they won’t be making on
the financing.
Telling them how much money you have to spend on a car tells them that they will not
be able to move you into a more expensive, more profitable vehicle, so they will try to
maximize the profit that they make within your budget. For example, instead of getting
a great deal on a Honda Accord with your $25,000 budget, they might steer you to a
Honda Civic, where they will make much more profit from your $25k purchase.
Only tell them that you plan to pay cash after you have a price negotiated and you are
preparing to sign the final paperwork. Then, before you sign, read all of the fine print
to ensure that your price hasn’t changed
2) “I Already Have Financing Lined
Up”
Telling a salesperson that you already have a financing
deal in place tells them that they won’t be able to sell you
any high-profit financing, so they will make up the profit by
raising the price of the car. It is just like telling them that
you are paying cash.
Of course, you absolutely want to have a pre-approved
financing deal from a bank, credit union, or another lender
in place before visiting the dealership. The time to pull this
information out of your pocket is after you have settled on
the price of the vehicle. If they don’t think that you have a
financing deal in place, they have no incentive to find you a
great deal on a loan. Knowing that you do forces them to
meet or beat your financing if they want to earn the
business.
=======
3) “My Current Car Is on Its Last
Legs”
Don’t tell the dealership anything that shows that you
urgently need to buy a new car. If they know that you don’t
have the luxury of time to make dealerships negotiate or to
drive around town looking for the best deal, you’re like
fresh meat in front of a lion.
You’ve just told them that they don’t have any reason to
give you a good deal.
Telling them that your current car needs work also invites
them to give you a low-ball offer when it comes time to put
a value on your trade-in. Before you visit the dealer, you
should already have a good idea of your used car's value.
You can consult a used car pricing tool, like the "What's My
Car Worth?"
Up”
Telling a salesperson that you already have a financing
deal in place tells them that they won’t be able to sell you
any high-profit financing, so they will make up the profit by
raising the price of the car. It is just like telling them that
you are paying cash.
Of course, you absolutely want to have a pre-approved
financing deal from a bank, credit union, or another lender
in place before visiting the dealership. The time to pull this
information out of your pocket is after you have settled on
the price of the vehicle. If they don’t think that you have a
financing deal in place, they have no incentive to find you a
great deal on a loan. Knowing that you do forces them to
meet or beat your financing if they want to earn the
business.
=======
3) “My Current Car Is on Its Last
Legs”
Don’t tell the dealership anything that shows that you
urgently need to buy a new car. If they know that you don’t
have the luxury of time to make dealerships negotiate or to
drive around town looking for the best deal, you’re like
fresh meat in front of a lion.
You’ve just told them that they don’t have any reason to
give you a good deal.
Telling them that your current car needs work also invites
them to give you a low-ball offer when it comes time to put
a value on your trade-in. Before you visit the dealer, you
should already have a good idea of your used car's value.
You can consult a used car pricing tool, like the "What's My
Car Worth?"
4) “I Love This Car”
Buying a new car is a business transaction – nothing more, nothing less. Telling a
salesperson that the car is perfect and you don’t know how you will ever live without
it lets them know that you are willing to pay whatever they want to charge.
Sometimes, a dealer will encourage you to take a car home for the weekend to get
used to it. They hope that you become emotionally attached to it, and, more often
than not, you will. Getting the best offer requires you to be willing to walk away from
a bad deal, and the more engaged you are with the car, the harder that is to do
=====
5) “This Is the Maximum I Can Pay Each Month”
Car dealers love to sell cars based on the monthly payment, but that’s a horrible way
to buy a car. There are many ways to manipulate the financing and fees to get you to
a specific monthly payment, but if you leave it up to the dealer, you’re asking for
trouble.
It’s easy to keep the monthly payment the same by extending the length of the loan.
However, you’ll be making many more payments and typically paying a higher
interest rate along the way. In the end, the car will be much more expensive than if
you get a shorter loan with the same payment.
Unscrupulous dealers can also "pack" the payment with fees and add-ons that you
don't want or need. If they have you looking at just the installment, you're less likely
to see the overall amount that you are on the hook for.
What you want to do instead is look at the total cost of the car over the entire term of
the financing or lease. For purchases, multiply the monthly payment by the total
number of months of the loan term, then add in the amount that you have to pay
when you take delivery. Be sure to include any taxes and fees in your math.
With leases, it is even easier to manipulate the numbers to get to a specific payment.
The number of months in the lease, the capitalized cost of the car (its price), the
money factor (what the interest rate is called in leasing), the amount due at signing,
and the car's residual value can all be tweaked to get to a certain payment.
Leases usually include the first month’s payment in the amount due at signing, so
you multiply the monthly payment by one less than the number of months in the
lease contract, then add the amount due at signing (including taxes and fees) to find
the total cost of the lease
Buying a new car is a business transaction – nothing more, nothing less. Telling a
salesperson that the car is perfect and you don’t know how you will ever live without
it lets them know that you are willing to pay whatever they want to charge.
Sometimes, a dealer will encourage you to take a car home for the weekend to get
used to it. They hope that you become emotionally attached to it, and, more often
than not, you will. Getting the best offer requires you to be willing to walk away from
a bad deal, and the more engaged you are with the car, the harder that is to do
=====
5) “This Is the Maximum I Can Pay Each Month”
Car dealers love to sell cars based on the monthly payment, but that’s a horrible way
to buy a car. There are many ways to manipulate the financing and fees to get you to
a specific monthly payment, but if you leave it up to the dealer, you’re asking for
trouble.
It’s easy to keep the monthly payment the same by extending the length of the loan.
However, you’ll be making many more payments and typically paying a higher
interest rate along the way. In the end, the car will be much more expensive than if
you get a shorter loan with the same payment.
Unscrupulous dealers can also "pack" the payment with fees and add-ons that you
don't want or need. If they have you looking at just the installment, you're less likely
to see the overall amount that you are on the hook for.
What you want to do instead is look at the total cost of the car over the entire term of
the financing or lease. For purchases, multiply the monthly payment by the total
number of months of the loan term, then add in the amount that you have to pay
when you take delivery. Be sure to include any taxes and fees in your math.
With leases, it is even easier to manipulate the numbers to get to a specific payment.
The number of months in the lease, the capitalized cost of the car (its price), the
money factor (what the interest rate is called in leasing), the amount due at signing,
and the car's residual value can all be tweaked to get to a certain payment.
Leases usually include the first month’s payment in the amount due at signing, so
you multiply the monthly payment by one less than the number of months in the
lease contract, then add the amount due at signing (including taxes and fees) to find
the total cost of the lease
6) “I’m a (Your Occupation)”
In theory, the price of your next car shouldn’t be determined
by your job title. However, it’s naïve to think that it doesn’t
happen every day in the freewheeling world of car sales.
Once they have your name, some dealers might also search
social media to gather even more information.
Price discrimination is legal, as long as it is not based on
factors such as race, religion, sexual orientation, or gender.
Charging different prices to customers based on their
income is allowable and a frequent occurrence.
So, if you’re a doctor, business owner, or you work in an
industry where the annual bonus schedule is well known,
you might not want to blurt out your occupation. Of course,
you don't want to lie, because if you give the dealer a reason
to dislike you, they are less likely to provide you with any
price breaks.
When asked about your profession (and you will be), just be
as vague as possible.
=====
7) “I’ve Never Bought a New Car
Before”
Never tell a dealer that you are a first-time car buyer unless
you want to be on the express train to overpaying. Car sales
consultants are professionals, and their job is to maximize
the profit to the dealership.
Telling them that you haven’t been through the process is an
open invitation for unscrupulous salespeople to take
advantage of your lack of experience.
Before you head to the dealership, you should educate
yourself on the details of the car that you are looking at by
looking at our new car rankings and used car rankings. You
can learn about how the car buying process works by
reading our articles on how to buy a car and how to finance a
vehicle.
In theory, the price of your next car shouldn’t be determined
by your job title. However, it’s naïve to think that it doesn’t
happen every day in the freewheeling world of car sales.
Once they have your name, some dealers might also search
social media to gather even more information.
Price discrimination is legal, as long as it is not based on
factors such as race, religion, sexual orientation, or gender.
Charging different prices to customers based on their
income is allowable and a frequent occurrence.
So, if you’re a doctor, business owner, or you work in an
industry where the annual bonus schedule is well known,
you might not want to blurt out your occupation. Of course,
you don't want to lie, because if you give the dealer a reason
to dislike you, they are less likely to provide you with any
price breaks.
When asked about your profession (and you will be), just be
as vague as possible.
=====
7) “I’ve Never Bought a New Car
Before”
Never tell a dealer that you are a first-time car buyer unless
you want to be on the express train to overpaying. Car sales
consultants are professionals, and their job is to maximize
the profit to the dealership.
Telling them that you haven’t been through the process is an
open invitation for unscrupulous salespeople to take
advantage of your lack of experience.
Before you head to the dealership, you should educate
yourself on the details of the car that you are looking at by
looking at our new car rankings and used car rankings. You
can learn about how the car buying process works by
reading our articles on how to buy a car and how to finance a
vehicle.
8) “I Have a Trade-In”
Any good salesperson can give you a great price on a new car simply by low-balling
the amount that they pay you for your trade-in. Saying you have a trade-in should be
one of the last things that you do – after you settle on the price of your new ride.
Don’t allow the dealership to make the transaction more confusing by bundling the
trade-in and the purchase price onto the same sheet of paper. Tell them that you
consider them to be separate transactions, you are shopping your used car to other
dealers, and you might sell it yourself.
======
9) “I Don’t Know What My Credit Score Is”
Buyers with low credit scores have to pay more to borrow than buyers with stellar
credit. If you tell a dealer that you don’t know what yours is, they are likely to tell you
that it is lower than it actually is. That way they can charge you more for financing.
It was once hard for consumers to find out what their credit score is, but it is easy
today. Many credit cards offer the opportunity to see your score for free. A number
of websites, such as CreditKarma.com, do the same, though you’ll have to give up
some personal information to see the numbers.
Buyers are in a much more powerful position if they can go into the financing office
to sign their documents and say, “My credit score is 750 and I have a pre-approved
offer from my credit union with these terms.”
Even if you have bruised credit, knowing your score and talking to other lenders
before you visit the dealer can give you an idea of the price you should pay to
finance your vehicle.
Any good salesperson can give you a great price on a new car simply by low-balling
the amount that they pay you for your trade-in. Saying you have a trade-in should be
one of the last things that you do – after you settle on the price of your new ride.
Don’t allow the dealership to make the transaction more confusing by bundling the
trade-in and the purchase price onto the same sheet of paper. Tell them that you
consider them to be separate transactions, you are shopping your used car to other
dealers, and you might sell it yourself.
======
9) “I Don’t Know What My Credit Score Is”
Buyers with low credit scores have to pay more to borrow than buyers with stellar
credit. If you tell a dealer that you don’t know what yours is, they are likely to tell you
that it is lower than it actually is. That way they can charge you more for financing.
It was once hard for consumers to find out what their credit score is, but it is easy
today. Many credit cards offer the opportunity to see your score for free. A number
of websites, such as CreditKarma.com, do the same, though you’ll have to give up
some personal information to see the numbers.
Buyers are in a much more powerful position if they can go into the financing office
to sign their documents and say, “My credit score is 750 and I have a pre-approved
offer from my credit union with these terms.”
Even if you have bruised credit, knowing your score and talking to other lenders
before you visit the dealer can give you an idea of the price you should pay to
finance your vehicle.
10) “Tell Me About Leasing”
Leasing can be confusing, and telling a salesperson that you don't understand the
process is an open invitation to get a horrible deal. Before you even think of
leasing, you'll want to read our articles on the leasing process, deciding whether to
lease or buy, and avoiding common leasing mistakes.
Before you sign any lease contract, you’ll not only want to know about the monthly
payments and all of the costs due up front, but also any mileage allowance.
Exceeding the allowable mileage can lead to an expensive lesson at the end of the
lease.
======
11) “I Haven’t Talked To Any Other Dealers”
Telling a dealer that they’re the only one you are talking to is like saying “you don’t
even have to try to compete for my business.” Dealers are in the game to maximize
profits, and you will be their cash cow unless they know that others also want your
business.
Even if you only see the specific car you want at one dealer, you should talk to
others. Dealers often trade vehicles, and they can see each other’s stock, so you
can likely get multiple offers on the same vehicle. The dealer you select will then
do a dealer swap to get it for you.
-------
12) “I’m Not Very Good At Math”
It might sound kind of basic, but you need to check all of the math on any
agreement that a dealer puts in front of you, or bring someone along who can do
the math. Don’t rely on the dealer’s calculations. Salespeople thrive on your
confusion, and fear your knowledge.
Simply opening the calculator app on your phone can give them pause by showing
that you are prepared to be your own advocate. If the numbers don’t add up, ask for
clarification. Use your intuition, and if something doesn't feel right, walk away from
the deal. That's your greatest power and the salesperson's greatest fear.
Leasing can be confusing, and telling a salesperson that you don't understand the
process is an open invitation to get a horrible deal. Before you even think of
leasing, you'll want to read our articles on the leasing process, deciding whether to
lease or buy, and avoiding common leasing mistakes.
Before you sign any lease contract, you’ll not only want to know about the monthly
payments and all of the costs due up front, but also any mileage allowance.
Exceeding the allowable mileage can lead to an expensive lesson at the end of the
lease.
======
11) “I Haven’t Talked To Any Other Dealers”
Telling a dealer that they’re the only one you are talking to is like saying “you don’t
even have to try to compete for my business.” Dealers are in the game to maximize
profits, and you will be their cash cow unless they know that others also want your
business.
Even if you only see the specific car you want at one dealer, you should talk to
others. Dealers often trade vehicles, and they can see each other’s stock, so you
can likely get multiple offers on the same vehicle. The dealer you select will then
do a dealer swap to get it for you.
-------
12) “I’m Not Very Good At Math”
It might sound kind of basic, but you need to check all of the math on any
agreement that a dealer puts in front of you, or bring someone along who can do
the math. Don’t rely on the dealer’s calculations. Salespeople thrive on your
confusion, and fear your knowledge.
Simply opening the calculator app on your phone can give them pause by showing
that you are prepared to be your own advocate. If the numbers don’t add up, ask for
clarification. Use your intuition, and if something doesn't feel right, walk away from
the deal. That's your greatest power and the salesperson's greatest fear.
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