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7 Car Dealer Extras You May Not Need, Or You Don't Need
Negotiating for a car can be a nerve-wracking and difficult process. But even once you’ve
agreed on that golden price, you’re not home free. If you’re buying a new car, there are
plenty of options a dealer will still try to persuade you to tack on.
While some of these might make sense for you, others aren’t worth the money. Though they
may add only pennies a day to your monthly payment, they can add a lot to the price of your
new car. Here are five dealer add-ons you should think twice about.
Negotiating for a car can be a nerve-wracking and difficult process. But even once you’ve
agreed on that golden price, you’re not home free. If you’re buying a new car, there are
plenty of options a dealer will still try to persuade you to tack on.
While some of these might make sense for you, others aren’t worth the money. Though they
may add only pennies a day to your monthly payment, they can add a lot to the price of your
new car. Here are five dealer add-ons you should think twice about.
1. Extended Warranties
The extended warranty is one of the most alluring
dealer extras. After all, doesn’t everyone want a little
extra piece of mind? But no matter how good it
sounds, remember: Always say no.
First of all, your car’s original warranty
may be all you need -- especially if you’re buying
certain vehicles which offer lengthy five-year/60,000-
mile basic warranties. Many other manufacturers are
now also offering five-year/100,000-mile powertrain
warranties. ---knowledgefinancial.com
Secondly, even if you do want an extended warranty,
you don’t need to purchase one the moment you buy
the car. If you want one, you can easily buy it later,
either from the car manufacturer or a reputable third-
party company (but beware of unsolicited phone or
mail offers down the line).
The dealer's extended warranty isn't
necessarily the best deal; in fact, it usually costs
more. Plus, you're in a high-pressure situation at the
dealer and might not be able to read the fine print.
Finally, if you buy the dealer’s extended warranty, you
might be required to return to that dealership to get it
honored – which could become a problem if you move.
2. Fabric and Paint Protection
Stain protection for your seats and floors can cost
hundreds of dollars at the dealership. But while it may
make you feel better when you’re balancing a
milkshake in one hand and driving with the other, it’s
not worth the money.
Scotchgard Auto Interior Fabric
Protector is available at Wal-Mart or Target
(around $10 for a 10-ounce can), and it accomplishes
virtually the same thing as what the dealer provides.
The only difference is that the dealer’s fabric
protection might come with a warranty, which means
they’ll cover the cost of removing any stubborn stains.
Another typical dealer extra, Paint
Protection, won’t accomplish much more than a
good coat of wax will. Again, you can apply this
yourself by picking up polymer sealant car wax at the
auto parts store. Remember that your car already
comes with a good coat of sealant from the factory,
so you only need to apply wax about once a year.
KNOWLEDGEFINANCIAL.COM
The extended warranty is one of the most alluring
dealer extras. After all, doesn’t everyone want a little
extra piece of mind? But no matter how good it
sounds, remember: Always say no.
First of all, your car’s original warranty
may be all you need -- especially if you’re buying
certain vehicles which offer lengthy five-year/60,000-
mile basic warranties. Many other manufacturers are
now also offering five-year/100,000-mile powertrain
warranties. ---knowledgefinancial.com
Secondly, even if you do want an extended warranty,
you don’t need to purchase one the moment you buy
the car. If you want one, you can easily buy it later,
either from the car manufacturer or a reputable third-
party company (but beware of unsolicited phone or
mail offers down the line).
The dealer's extended warranty isn't
necessarily the best deal; in fact, it usually costs
more. Plus, you're in a high-pressure situation at the
dealer and might not be able to read the fine print.
Finally, if you buy the dealer’s extended warranty, you
might be required to return to that dealership to get it
honored – which could become a problem if you move.
2. Fabric and Paint Protection
Stain protection for your seats and floors can cost
hundreds of dollars at the dealership. But while it may
make you feel better when you’re balancing a
milkshake in one hand and driving with the other, it’s
not worth the money.
Scotchgard Auto Interior Fabric
Protector is available at Wal-Mart or Target
(around $10 for a 10-ounce can), and it accomplishes
virtually the same thing as what the dealer provides.
The only difference is that the dealer’s fabric
protection might come with a warranty, which means
they’ll cover the cost of removing any stubborn stains.
Another typical dealer extra, Paint
Protection, won’t accomplish much more than a
good coat of wax will. Again, you can apply this
yourself by picking up polymer sealant car wax at the
auto parts store. Remember that your car already
comes with a good coat of sealant from the factory,
so you only need to apply wax about once a year.
KNOWLEDGEFINANCIAL.COM
3. Rustproofing
Unless a car is decades old, rust isn’t usually a
problem. And unless you plan on keeping your car
for decades, you won’t need any extra rustproofing.
Modern vehicles are built to withstand rust, and
nearly every new car comes with a lengthy rust
perforation warranty. That makes rustproofing one
of the biggest rip-offs a dealer can entice you to buy
-- because why would you want to pay for
something twice?
4. Maintenance Plans
A maintenance program covers fluid changes and
other regular maintenance items as part of your
monthly car payment. If you buy such a plan, you
won’t have to worry about budgeting for car
maintenance.
However, you will have to take your
car to the dealership for service.
While buying the maintenance program up front
may cost less than paying for individual services at
the dealership, it might not cost less than going to
an outside repair shop for maintenance.
You’ll have to do the math to decide if a
maintenance plan is right for you.
Note that during negotiations, you might
even be able to convince the dealer to throw in a
maintenance plan for free. A few automakers
already provide maintenance programs for free
with a new vehicle.
Unless a car is decades old, rust isn’t usually a
problem. And unless you plan on keeping your car
for decades, you won’t need any extra rustproofing.
Modern vehicles are built to withstand rust, and
nearly every new car comes with a lengthy rust
perforation warranty. That makes rustproofing one
of the biggest rip-offs a dealer can entice you to buy
-- because why would you want to pay for
something twice?
4. Maintenance Plans
A maintenance program covers fluid changes and
other regular maintenance items as part of your
monthly car payment. If you buy such a plan, you
won’t have to worry about budgeting for car
maintenance.
However, you will have to take your
car to the dealership for service.
While buying the maintenance program up front
may cost less than paying for individual services at
the dealership, it might not cost less than going to
an outside repair shop for maintenance.
You’ll have to do the math to decide if a
maintenance plan is right for you.
Note that during negotiations, you might
even be able to convince the dealer to throw in a
maintenance plan for free. A few automakers
already provide maintenance programs for free
with a new vehicle.
5. Ding Protection
Buyers who are worried about cosmetic scratches
on their new car might be inclined to opt for Ding
Protection. It covers the cost of fixing small dents
and scratches (often less than four inches long) for
a set period of time. The price varies, but a three-
year plan can cost as much as $650.
While this may seem like an alluring offer for a
concerned new car owner, that’s a lot to pay up
front for something you may never use. Even if you
do use it, remember that large dents aren’t typically
covered under this type of plan.
Will the cost of buffing out small scratches really
ever add up to the cost of the protection plan?
Unless you repeatedly ram your new car with
shopping carts, the answer is probably no.
Buyers who are worried about cosmetic scratches
on their new car might be inclined to opt for Ding
Protection. It covers the cost of fixing small dents
and scratches (often less than four inches long) for
a set period of time. The price varies, but a three-
year plan can cost as much as $650.
While this may seem like an alluring offer for a
concerned new car owner, that’s a lot to pay up
front for something you may never use. Even if you
do use it, remember that large dents aren’t typically
covered under this type of plan.
Will the cost of buffing out small scratches really
ever add up to the cost of the protection plan?
Unless you repeatedly ram your new car with
shopping carts, the answer is probably no.
The Costliest Car-Buying Mistakes
1. Confusing Wants with Needs
Convertible two-seaters are really cool. But if you’re
lugging a load of hockey equipment every day, chances
are you’d do better with certain models.
Unfortunately, car shoppers often make the mistake of
confusing their wants with their needs. After all, who
wouldn’t want a car that’s faster, sexier or more
luxurious? However, such choices aren’t always
practical…or even affordable.
2. Test-Driving the Wrong Trim
Be wary of dealers who give you the highest trim level of
a car to test drive and then proceed to sell you a trim that
better fits your budget. Car shoppers who fall for this
trick usually end up sorely disappointed with the car's
performance and features. To avoid making this
mistake, test drive the exact trim you plan to buy before
signing any papers. ----knowledgefinancial.com
3. Sacrificing Reliability for Appeal
Don’t let a car's curb appeal or features sway you.
Buying a pretty car with funky features and a poor
history of reliability can prove to be a major drain on your
wallet. Just ask anyone who has purchased the same or
similar car. However, the vehicle has a so-so record of
dependability -- and reliability.
4. Underestimating the Value of Your
Trade-In
A smart way to save money on the price of a new car is
to trade in your old one. But a dumb way to miss out on
potential savings is by taking the dealer’s word for how
much your car is worth or announcing that you intend to
trade in your ride too early in the game. After all, a dealer’
s primary job is to maximize his profits -- not your
savings. By failing to prepare or showing your cards too
early, you could be making a costly mistake.
Car Trade In Techniques / knowledgefinancial.
com
Before stepping foot on a dealer lot, consult Kelley Blue
Book or NADA Guides to determine your car’s trade-in
value. At the dealership, use that knowledge to negotiate
a fair price. However, don’t mention anything about
wanting to trade in your car until you’ve already
negotiated a suitable deal on a new one.
Waiting until the very end to mention your trade-in will
ensure that its value gets factored into the final price.
Also, remember that you can negotiate the value of your
trade-in. If you don't like what the dealer is offering for
your trade, find a dealership that will give you what your
car is worth.
5. Buying Options You Don’t Need
Avoid wasting money on optional features that you don’t
need by researching their prices first. Most
manufacturers will list the price of individual and
package options right on their websites. If you come
across a feature that you really want, try to find an
aftermarket store that sells a comparable version for
less. You’ll be surprised at how much you can save.
.. AUTO LOANS: Great Car, Great Price…. But what about
the Financing? Explore your
financing options!
DEALERSHIP FINANCING SECRETS REVEALED. LEARN
MORE...
1. Confusing Wants with Needs
Convertible two-seaters are really cool. But if you’re
lugging a load of hockey equipment every day, chances
are you’d do better with certain models.
Unfortunately, car shoppers often make the mistake of
confusing their wants with their needs. After all, who
wouldn’t want a car that’s faster, sexier or more
luxurious? However, such choices aren’t always
practical…or even affordable.
2. Test-Driving the Wrong Trim
Be wary of dealers who give you the highest trim level of
a car to test drive and then proceed to sell you a trim that
better fits your budget. Car shoppers who fall for this
trick usually end up sorely disappointed with the car's
performance and features. To avoid making this
mistake, test drive the exact trim you plan to buy before
signing any papers. ----knowledgefinancial.com
3. Sacrificing Reliability for Appeal
Don’t let a car's curb appeal or features sway you.
Buying a pretty car with funky features and a poor
history of reliability can prove to be a major drain on your
wallet. Just ask anyone who has purchased the same or
similar car. However, the vehicle has a so-so record of
dependability -- and reliability.
4. Underestimating the Value of Your
Trade-In
A smart way to save money on the price of a new car is
to trade in your old one. But a dumb way to miss out on
potential savings is by taking the dealer’s word for how
much your car is worth or announcing that you intend to
trade in your ride too early in the game. After all, a dealer’
s primary job is to maximize his profits -- not your
savings. By failing to prepare or showing your cards too
early, you could be making a costly mistake.
Car Trade In Techniques / knowledgefinancial.
com
Before stepping foot on a dealer lot, consult Kelley Blue
Book or NADA Guides to determine your car’s trade-in
value. At the dealership, use that knowledge to negotiate
a fair price. However, don’t mention anything about
wanting to trade in your car until you’ve already
negotiated a suitable deal on a new one.
Waiting until the very end to mention your trade-in will
ensure that its value gets factored into the final price.
Also, remember that you can negotiate the value of your
trade-in. If you don't like what the dealer is offering for
your trade, find a dealership that will give you what your
car is worth.
5. Buying Options You Don’t Need
Avoid wasting money on optional features that you don’t
need by researching their prices first. Most
manufacturers will list the price of individual and
package options right on their websites. If you come
across a feature that you really want, try to find an
aftermarket store that sells a comparable version for
less. You’ll be surprised at how much you can save.
.. AUTO LOANS: Great Car, Great Price…. But what about
the Financing? Explore your
financing options!
DEALERSHIP FINANCING SECRETS REVEALED. LEARN
MORE...
KNOWLEDGEFINANCIAL.COM
6. Not Cross-Shopping Car Deals
One of the costliest mistakes car shoppers can
make is forgetting to cross-shop car deals just as
they would competing vehicles -- though doing so
can help save them bundles.
Don’t let carefully-crafted sales promotions
mislead you into thinking that you’re getting the
best deal around. Be meticulous in comparing car
deals for competing vehicles, and remember that
these deals change monthly. U.S. News’ best car
deals will keep you in the loop.
7. Only Thinking in Terms of Monthly
Payments
For most people, it’s easier to think in terms
of affordable monthly payments than a daunting
end price. However, such short-sightedness has
led many car shoppers to overpay.
Sure, a $250 per month car payment is easier to
swallow than a $350 payment, but getting that
lower price often means taking out a loan over a
longer period. In the end, that means paying more
interest and fees.
To avoid overpaying, don’t just calculate
what your monthly payment will be. Add up those
payments to determine whether the total price
paid still makes economic sense.
.. AUTO LOANS: Great Car, Great Price…. But what
about the Financing? Explore your
financing options!
DEALERSHIP FINANCING SECRETS REVEALED.
LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO OBTAIN AN
INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE
COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE
COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD
COUNTY FLORIDA. LEARN MORE HERE...
6. Not Cross-Shopping Car Deals
One of the costliest mistakes car shoppers can
make is forgetting to cross-shop car deals just as
they would competing vehicles -- though doing so
can help save them bundles.
Don’t let carefully-crafted sales promotions
mislead you into thinking that you’re getting the
best deal around. Be meticulous in comparing car
deals for competing vehicles, and remember that
these deals change monthly. U.S. News’ best car
deals will keep you in the loop.
7. Only Thinking in Terms of Monthly
Payments
For most people, it’s easier to think in terms
of affordable monthly payments than a daunting
end price. However, such short-sightedness has
led many car shoppers to overpay.
Sure, a $250 per month car payment is easier to
swallow than a $350 payment, but getting that
lower price often means taking out a loan over a
longer period. In the end, that means paying more
interest and fees.
To avoid overpaying, don’t just calculate
what your monthly payment will be. Add up those
payments to determine whether the total price
paid still makes economic sense.
.. AUTO LOANS: Great Car, Great Price…. But what
about the Financing? Explore your
financing options!
DEALERSHIP FINANCING SECRETS REVEALED.
LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO OBTAIN AN
INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE
COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE
COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD
COUNTY FLORIDA. LEARN MORE HERE...
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STRATEGIES TO FIND MONEY TO INVEST!
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CREATIVE FINANCE CAN AND WILL MAKE ALL
THE DIFFERENCE WHEN AN INVESTOR DECIDES
TO INVEST IN REAL ESTATE...
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OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
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MORE YOU KNOW, THE LESS YOU PAY...
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Calculator Problems every investors should
know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn More!
Financial Education - Financial
Knowledge Everything You Need To
Know About Finance.
Dubai- The World Largest, Biggest,
Tallest, Greatest of Almost Everything.
Learn more about this magnificent
place and as well as other countries.
COPYRIGHT-- What is Copyright? The
Basics About Copyright Registration.
The procedure for copyright
registration.
Do I need copyright protection? How
do I register? Learn More!
..Dealership secrets revealed. Before you buy a
car; read this first... CAR BUYER'S WINNING
PLAN!
..AUTO LOANS: Read this first before taking a
car loan. What to avoid when financing a car..
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits
with the insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH PERSON;
YES YOU CAN...
..RULE OF 72: The compound interest and
financial success. Rule Of 72 is the most
important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1
Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK
MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami dade,
Monroe, Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to
Save. THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL
THE DIFFERENCE WHEN AN INVESTOR DECIDES
TO INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST
OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE
MORE YOU KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial
Calculator Problems every investors should
know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn More!
Financial Education - Financial
Knowledge Everything You Need To
Know About Finance.
Dubai- The World Largest, Biggest,
Tallest, Greatest of Almost Everything.
Learn more about this magnificent
place and as well as other countries.
COPYRIGHT-- What is Copyright? The
Basics About Copyright Registration.
The procedure for copyright
registration.
Do I need copyright protection? How
do I register? Learn More!
..Dealership secrets revealed. Before you buy a
car; read this first... CAR BUYER'S WINNING
PLAN!
..AUTO LOANS: Read this first before taking a
car loan. What to avoid when financing a car..
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with
the funds necessary to maintain their standards of living,
can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
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insurance companies?
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State death-tax planning should be an important aspect
of the estate-
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Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important
step in creating a solid personal financial plan. The right
insurance policies will go a long way toward helping you
safeguard your earning power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
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any sound financial plan
Different types of insurance protect you and your loved
ones in different ways against the cost of accidents,
illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES
AND BENEFITS WHILE ALIVE AND AFTER
DEATH. INSURANCE GENERAL KNOWLEDGE,
GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER
GUARANTEE AND BETTER SATISFACTION.
LEARN MORE HERE...
INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET
HIRED, START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
than is absolutely necessary on their daily bills, the
things that they take for granted.
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the best coverage for your needs at a reasonable price.
For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you
from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least costly
homeowners insurance will likely give you the least
amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and
family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your
insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”. In
the context of life insurance, it is a contract between you
and an insurance company under which the insurance
company pays you money for a stipulated period.
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with
the funds necessary to maintain their standards of living,
can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important aspect
of the estate-
planning process. LEARN MORE...
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important
step in creating a solid personal financial plan. The right
insurance policies will go a long way toward helping you
safeguard your earning power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of
any sound financial plan
Different types of insurance protect you and your loved
ones in different ways against the cost of accidents,
illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES
AND BENEFITS WHILE ALIVE AND AFTER
DEATH. INSURANCE GENERAL KNOWLEDGE,
GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER
GUARANTEE AND BETTER SATISFACTION.
LEARN MORE HERE...
INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET
HIRED, START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
than is absolutely necessary on their daily bills, the
things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a
number of factors into consideration in order to obtain
the best coverage for your needs at a reasonable price.
For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you
from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least costly
homeowners insurance will likely give you the least
amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and
family medical history), there are steps you can take
regarding the third - lifestyle. You could lower your
insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”. In
the context of life insurance, it is a contract between you
and an insurance company under which the insurance
company pays you money for a stipulated period.
| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: Mortgage Foreclosure Sales, Traffic Online Service, Buy Tax Deed Sales, Public Records Search, Documents SEARCHES, Buy Tax Liens Certificates, Marriage License Application & Wedding... ETC. FREE, FREE, FREE! LEARN MORE! Make a professional license, renew a license, check on a license, register a business in the State of Florida... FREE ACCESS CLICK HERE! |
| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: Mortgage Foreclosure Sales, Traffic Online Service, Buy Tax Deed Sales, Public Records Search, Documents SEARCHES, Buy Tax Liens Certificates, Marriage License Application & Wedding... ETC. FREE, FREE, FREE! LEARN MORE! Make a professional license, renew a license, check on a license, register a business in the State of Florida... FREE ACCESS CLICK HERE! |
| Real Estate Assistance Program For Home-Buyers & sellers FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS YOU CAN PUT MONEY BACK IN YOUR POCKET... Earn a cash back bonus. CLICK HERE... When you buy or sell a home through Real Estate Assistance Program With us ... GET BACK UP TO $2,500.00 ------------------------------------------------------------------------------------------------------------------------------------------ FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO FEES, NO CHARGES, NO COSTS TO YOU. .. .AUTO-LOANS -- Great Car, Great Price…. But what about the Financing? What you must know, What you must avoid. ...Learn More !--- FINANCIAL EDUCATION TOOLS AND RESOURCES; WAYS TO SAVE MONEY, TO MAKE MONEY |
| -Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to Lower Your Car Insurance Bill! Real Estate Assistance Program For Home-Buyers & sellers FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS YOU CAN PUT MONEY BACK IN YOUR POCKET... Earn a cash back bonus. CLICK HERE... When you buy or sell a home through Real Estate Assistance Program With us ... GET BACK UP TO $2,500.00 ------------------------- FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO FEES, NO CHARGES, NO COSTS TO YOU. . |
DEALERSHIP--AUTO
LOANS
LOANS
.. AUTOMOBILE HISTORY--
The history of the automobile begins as early as
1769, with the creation of steam-powered
automobiles capable of human transport. In 1806,
the first cars powered by internal combustion...
LEARN MORE...
''THE WORLD AUTO-INDUSTRY''
The automotive industry designs, develops,
manufactures, markets, and sells the world's
motor vehicles
''NADA - National Automobile Dealers Association ''
National trade association for new car and truck
dealerships. Includes a dealer guide.
-- LEARN MORE...
--[The World Automobile Association--]
( The American Automobile Association]
The history of the automobile begins as early as
1769, with the creation of steam-powered
automobiles capable of human transport. In 1806,
the first cars powered by internal combustion...
LEARN MORE...
''THE WORLD AUTO-INDUSTRY''
The automotive industry designs, develops,
manufactures, markets, and sells the world's
motor vehicles
''NADA - National Automobile Dealers Association ''
National trade association for new car and truck
dealerships. Includes a dealer guide.
-- LEARN MORE...
--[The World Automobile Association--]
( The American Automobile Association]
..News Letter: Tax Saving Business News, financial news,
the world market.
..Biography & History of the world greatest personalities &
politicians,,
..The world worst natural disasters & earthquakes in the
history of humanity,,
.Inventions. Great Inventions and discoveries of the
century,, What are they?
.. HAITI: Things you don't know & what you
must know. Learn More!,,
.AUTO-LOANS -- Great Car, Great Price…. But what about the
Financing? What you must know, What you must
avoid. ...Learn More !--- FINANCIAL EDUCATION TOOLS AND
RESOURCES; WAYS TO SAVE MONEY, TO MAKE MONEY
-Auto Insurance: The More You Know, The
Less You pay. The 10 Best Ways to Lower
Your Car Insurance Bill!
the world market.
..Biography & History of the world greatest personalities &
politicians,,
..The world worst natural disasters & earthquakes in the
history of humanity,,
.Inventions. Great Inventions and discoveries of the
century,, What are they?
.. HAITI: Things you don't know & what you
must know. Learn More!,,
.AUTO-LOANS -- Great Car, Great Price…. But what about the
Financing? What you must know, What you must
avoid. ...Learn More !--- FINANCIAL EDUCATION TOOLS AND
RESOURCES; WAYS TO SAVE MONEY, TO MAKE MONEY
-Auto Insurance: The More You Know, The
Less You pay. The 10 Best Ways to Lower
Your Car Insurance Bill!
Set Realistic Goals -------knowledgefinancial.com
There are several car-buying mistakes commonly known in the auto industry. To identify them, we asked for advice from
experts.
One frequent mistake: buying the car you think you'll need, rather than buying the one that suits your current needs.
That's why couples with kids buy two-ton trucks and huge SUVs.
Another common error is buying a car at the beginning of the year. This mistake especially applies to luxury cars, which
charge a premium for being the very latest and the very best in their class.
In January, February and March, dealers have all year long to meet sales goals and sell inventory, but by the end of the
year they'll be anxious to clear their lots for new stock.
Know the Market ------knowledgefinancial.com
"Due diligence can remedy a host of errors", says experts in this industry.
Buyers who enter a showroom unarmed with a list of must-haves make them vulnerable to an impulsive purchase, one
they can't afford or ultimately won't want.
There are several car-buying mistakes commonly known in the auto industry. To identify them, we asked for advice from
experts.
One frequent mistake: buying the car you think you'll need, rather than buying the one that suits your current needs.
That's why couples with kids buy two-ton trucks and huge SUVs.
Another common error is buying a car at the beginning of the year. This mistake especially applies to luxury cars, which
charge a premium for being the very latest and the very best in their class.
In January, February and March, dealers have all year long to meet sales goals and sell inventory, but by the end of the
year they'll be anxious to clear their lots for new stock.
Know the Market ------knowledgefinancial.com
"Due diligence can remedy a host of errors", says experts in this industry.
Buyers who enter a showroom unarmed with a list of must-haves make them vulnerable to an impulsive purchase, one
they can't afford or ultimately won't want.
Five Common Car-Buying Mistakes ------knowledgefinancial.com
1. Talking too much
Three things to never say on the lot: "I need this car now" (desperation breeds price inflation); "I love this
car" (don't let emotions control the buying process--it only makes you vulnerable); and "This is how much I
can afford to pay per month" (once dealers know how much you want to pay per month, they'll find other
ways--fees, warranties, financing--to make up the difference between that and how much they must make
on a sale. Talk about the absolute price of a car, not the monthly payment.)
2. Not doing your research -----knowledgefinancial.com
Walking into a dealership open to any ideas the salesperson has is a bad idea--it makes you vulnerable to
impulsively buying something you don't need, can't afford or ultimately won't want. Determining the market
value of your car will help you know where to begin negotiations on the starting price of the vehicle. Use
Kelley Blue Book, NADA Guides, Cars.com, AutoTrader.com, and Edmunds.com to find the true market value
and the expected residual value of the car you want.
3. Not being realistic about what you need ----knowledgefinancial.com
Before you hit the showroom floor, take a hard look at the kind of driving you do. Don't assume you need a
brand-new car, and consider keeping a driving journal for a week, or even a month, to chart exactly when,
where and how far you drive each day. Then buy a vehicle according to those needs--not aspirational needs,
like thinking "maybe someday we'll need to tow a boat, so I need a truck with three-ton towing capacity."
4. Leasing a car because you can't afford the down payment
Lease payments, especially for luxury cars, don't require a down payment and are often cheaper per month
than what it costs to buy the car outright. But they don't always pay off. You've got to determine if having a
new car every two or three years and with no down payment--but no ownership and no stake in the residual
value--is more important than long-term cost savings and ownership of a vehicle you will eventually pay off.
5. Assuming you'll use the dealer's financing ---knowledgefinancial.com
Dealers often set monthly payment amounts assuming they'll make up the difference with the financing
agreement. Instead, arrange for your own financing at your own bank or credit union, and choose the
shortest-term car loan you can: Long-term loans coax people into buying cars they can't really afford by
stretching the payments out over such a long period of time that the car is almost fully depreciated by the
time it's paid for.
1. Talking too much
Three things to never say on the lot: "I need this car now" (desperation breeds price inflation); "I love this
car" (don't let emotions control the buying process--it only makes you vulnerable); and "This is how much I
can afford to pay per month" (once dealers know how much you want to pay per month, they'll find other
ways--fees, warranties, financing--to make up the difference between that and how much they must make
on a sale. Talk about the absolute price of a car, not the monthly payment.)
2. Not doing your research -----knowledgefinancial.com
Walking into a dealership open to any ideas the salesperson has is a bad idea--it makes you vulnerable to
impulsively buying something you don't need, can't afford or ultimately won't want. Determining the market
value of your car will help you know where to begin negotiations on the starting price of the vehicle. Use
Kelley Blue Book, NADA Guides, Cars.com, AutoTrader.com, and Edmunds.com to find the true market value
and the expected residual value of the car you want.
3. Not being realistic about what you need ----knowledgefinancial.com
Before you hit the showroom floor, take a hard look at the kind of driving you do. Don't assume you need a
brand-new car, and consider keeping a driving journal for a week, or even a month, to chart exactly when,
where and how far you drive each day. Then buy a vehicle according to those needs--not aspirational needs,
like thinking "maybe someday we'll need to tow a boat, so I need a truck with three-ton towing capacity."
4. Leasing a car because you can't afford the down payment
Lease payments, especially for luxury cars, don't require a down payment and are often cheaper per month
than what it costs to buy the car outright. But they don't always pay off. You've got to determine if having a
new car every two or three years and with no down payment--but no ownership and no stake in the residual
value--is more important than long-term cost savings and ownership of a vehicle you will eventually pay off.
5. Assuming you'll use the dealer's financing ---knowledgefinancial.com
Dealers often set monthly payment amounts assuming they'll make up the difference with the financing
agreement. Instead, arrange for your own financing at your own bank or credit union, and choose the
shortest-term car loan you can: Long-term loans coax people into buying cars they can't really afford by
stretching the payments out over such a long period of time that the car is almost fully depreciated by the
time it's paid for.
''Kelley Blue Book Values--
Before you buy, sell, or trade in your car, find its value.
-Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to
Lower Your Car Insurance Bill!
Before you buy, sell, or trade in your car, find its value.
-Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to
Lower Your Car Insurance Bill!
'' ..''DEALERSHIP-- 7 Car Dealer
Extras You May Not Need, Or You
Don't Need At All... Car Dealer
Secrets Revealed..! -- WWW.
KNOWLEDGEFINANCIAL.COM
And [ 5] Five Common Car-Buying
Mistakes To Know About...
.AUTO-LOANS -- Great Car, Great
Price…. But what about the
Financing? What you must know,
What you must avoid. ...Learn
More !--- FINANCIAL EDUCATION
TOOLS AND RESOURCES; WAYS
TO SAVE MONEY, TO MAKE
MONEY --
- FINANCIAL EDUCATION TOOLS AND
RESOURCES; WAYS TO SAVE
MONEY, TO MAKE MONEY.
DEALERSHIP FINANCING SECRETS REVEALED.
LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO OBTAIN AN
INSURANCE LICENSE, AND GET
HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN
THE WORLD?
-Auto Insurance: The More You
Know, The Less You pay. The 10
Best Ways to Lower Your Car
Insurance Bill!
''INSURANCE-- Everything You Need to Know
About Insurance; South Florida, Call The
Insurance Representative At: 786-709-6577 -
- Get an Insurance Quote, Look How much a
Policy Can Cost You, or See If You're Paying
Too Much For a Policy.-- Get a Quote!--
#1-10 PLACES NOT RECOMMENDED TO USE
DEBIT CARDS:-- Financial Freedom.-- Seven
Rules of Wealth Building Keys to Amassing
Investment Capital...
,, Start your own business EASY & SIMPLE, be
your own boss, make extra money, secure
your financial future, obtain financial freedom.
Extras You May Not Need, Or You
Don't Need At All... Car Dealer
Secrets Revealed..! -- WWW.
KNOWLEDGEFINANCIAL.COM
And [ 5] Five Common Car-Buying
Mistakes To Know About...
.AUTO-LOANS -- Great Car, Great
Price…. But what about the
Financing? What you must know,
What you must avoid. ...Learn
More !--- FINANCIAL EDUCATION
TOOLS AND RESOURCES; WAYS
TO SAVE MONEY, TO MAKE
MONEY --
- FINANCIAL EDUCATION TOOLS AND
RESOURCES; WAYS TO SAVE
MONEY, TO MAKE MONEY.
DEALERSHIP FINANCING SECRETS REVEALED.
LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO OBTAIN AN
INSURANCE LICENSE, AND GET
HIRED, START WORKING
IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN
THE WORLD?
-Auto Insurance: The More You
Know, The Less You pay. The 10
Best Ways to Lower Your Car
Insurance Bill!
''INSURANCE-- Everything You Need to Know
About Insurance; South Florida, Call The
Insurance Representative At: 786-709-6577 -
- Get an Insurance Quote, Look How much a
Policy Can Cost You, or See If You're Paying
Too Much For a Policy.-- Get a Quote!--
#1-10 PLACES NOT RECOMMENDED TO USE
DEBIT CARDS:-- Financial Freedom.-- Seven
Rules of Wealth Building Keys to Amassing
Investment Capital...
,, Start your own business EASY & SIMPLE, be
your own boss, make extra money, secure
your financial future, obtain financial freedom.
''- UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE
FORGOTTEN TREASURE SEATING IN THE HANDS OF
THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED MONEY?
'',,Grant Money, free Money From the U.S. Government.
You May Qualify For Real Government Funding. Find
Out What You Need to Know to APPLY... Funding
Opportunities Available for All United States Citizens.
APPLY KNOW!
FORGOTTEN TREASURE SEATING IN THE HANDS OF
THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED MONEY?
'',,Grant Money, free Money From the U.S. Government.
You May Qualify For Real Government Funding. Find
Out What You Need to Know to APPLY... Funding
Opportunities Available for All United States Citizens.
APPLY KNOW!
''- UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED MONEY?
'',,Grant Money, free Money From the U.S. Government.
You May Qualify For Real Government Funding. Find Out What You Need to Know to APPLY...
Funding Opportunities Available for All United States Citizens. APPLY KNOW!
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED MONEY?
'',,Grant Money, free Money From the U.S. Government.
You May Qualify For Real Government Funding. Find Out What You Need to Know to APPLY...
Funding Opportunities Available for All United States Citizens. APPLY KNOW!
| ''- UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE FORGOTTEN TREASURE SEATING IN THE HANDS OF THE STATES GOVERNMENT COULD BE YOURS OR TO SOMEONE YOU MAY KNOW! ''HOW TO CLAIM THE UNCLAIMED MONEY? '',,Grant Money, free Money From the U.S. Government. You May Qualify For Real Government Funding. Find Out What You Need to Know to APPLY... Funding Opportunities Available for All United States Citizens. APPLY KNOW! |
| About Twitter Twitter is an easy way to keep up with the people, organizations, and events you care about - and to share your thoughts instantaneously. CLICK ON: Twitter-1 ----- Twitter-2 ------- Twitter-3 About Facebook-1... ANTONY'S PAGE-1... Millions of people use Facebook everyday to keep up with friends, Share Important Information, News, Events, links photos, and videos. About Facebook-2--- ANTHONY'S PAGE-2... About Tagged, Connect with me on Tagged Create a community on tagged and you can share photos, journals and interests with your growing network of mutual friends! Click here to see how much you can accomplish... ''Business People, Professionals, Investors Connect to Linkedin- Link With me Now For Questions and Answers''-- LINKEDIN CONNECT TO LINKEDIN - |
| About Twitter Twitter is an easy way to keep up with the people, organizations, and events you care about - and to share your thoughts instantaneously. CLICK ON: Twitter-1 ----- Twitter-2 ------- Twitter-3 About Facebook-1... ANTONY'S PAGE-1... Millions of people use Facebook everyday to keep up with friends, Share Important Information, News, Events, links photos, and videos. About Facebook-2--- ANTHONY'S PAGE-2... About Tagged, Connect with me on Tagged Create a community on tagged and you can share photos, journals and interests with your growing network of mutual friends! Click here to see how much you can accomplish... ''Business People, Professionals, Investors Connect to Linkedin- Link With me Now For Questions and Answers''-- LINKEDIN CONNECT TO LINKEDIN - |
Start your own business EASY & SIMPLE, be your own boss, make extra money, secure your financial
future, obtain financial freedom. LEARN MORE! CLICK HERE..
future, obtain financial freedom. LEARN MORE! CLICK HERE..
''Exchange Traded Funds (ETFs) Discover exchange traded funds and
learn how to make them a profitable part of your portfolio.
''THE RULES OF SUCCESS, AND THE NEW RULE OF MONEY.-
learn how to make them a profitable part of your portfolio.
''THE RULES OF SUCCESS, AND THE NEW RULE OF MONEY.-
| ''Driver License Renewal'' INFO.- Check validity of a License, Obtain a Duplicate. Obtain An ID CARD License and motor vehicles general information- ''Government General Information: Federal, State, And Local. ''-50 STATE DRIVER LICENSE INFORMATION''- --US DEPARTMENT OF STATE, TRAVEL Information .- ''-INTERNATIONAL DRIVER LICENSE INFORMATION AND HISTORY -- ' FLHSMV-Florida Highway Safety and Motor Vehicles. - Florida License and general informatio--. Florida validity Driver License Check''. |
''50 STATES Drivers License
Bureau Web Sites
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Bureau Web Sites
Information.
Prepared And presented By
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www.knowledgefinancial.com
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Alabama Drivers Licenses
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How much should I offer the dealer?
To calculate how much to offer the
dealer, you must determine how
much they paid for the car and offer
them a fair profit.
The road to saving cash on your car is
paved not by chiseling off MSRP, it's
by making an informed offer over
dealer's cost based on the car's
value. You must be patient and
research first, don't rush to buy
without a game plan. Ask to see the
factory invoice for the car.
How much did the dealer really pay
for that car?
This is a well guarded secret.
This info is your most powerful ammo
in negotiating with the dealer. They'll
convince you that you can afford the
car at MSRP, diverting attention away
from "is it worth this price". Do the
same to them.
Tell them how much profit they'll
make with your offer.
Your Offer: 5% Over Dealer's Actual
Cost
That's 5% over dealer's cost, not over
invoice price. They'll gladly take 5%
profit, dealers survive on 3%.
-------------------------------------
The Trade in Process: Never say at
the beginning you have a trade in..
Think twice about trading in your used
car at the dealer!
Dealer's never give you fair market
value for your car. They offer
wholesale value, which is much less.
This is so they can sell your trade-in
and make a profit.
Your Trade-in is worth a fixed amount
no matter what you buy, whether you
finance through them, whether you
buy any extended warranties or
optional extras, or anything. Don't let
them condition you into thinking
otherwise.
----------------*---------
Do I really need to get an extended
warranty?
You must decide that. If you lease for
36 months or less, you don't need
one, and it's a scam for a dealer to
sell you one.
If you got suckered into a long term
lease like 60 months, you better buy
one to cover the slack, as you are
responsible for all repairs. But if you
buy a new car instead of a lease,
should you get one?
Be sure you're dealing with a solid
extended warranty company
You want your warranty administrator
to be able to pay your claims. You
deal with 2 companies when you buy
a warranty. One sells you the contract,
the other administers your claims, so
background check both companies.
To calculate how much to offer the
dealer, you must determine how
much they paid for the car and offer
them a fair profit.
The road to saving cash on your car is
paved not by chiseling off MSRP, it's
by making an informed offer over
dealer's cost based on the car's
value. You must be patient and
research first, don't rush to buy
without a game plan. Ask to see the
factory invoice for the car.
How much did the dealer really pay
for that car?
This is a well guarded secret.
This info is your most powerful ammo
in negotiating with the dealer. They'll
convince you that you can afford the
car at MSRP, diverting attention away
from "is it worth this price". Do the
same to them.
Tell them how much profit they'll
make with your offer.
Your Offer: 5% Over Dealer's Actual
Cost
That's 5% over dealer's cost, not over
invoice price. They'll gladly take 5%
profit, dealers survive on 3%.
-------------------------------------
The Trade in Process: Never say at
the beginning you have a trade in..
Think twice about trading in your used
car at the dealer!
Dealer's never give you fair market
value for your car. They offer
wholesale value, which is much less.
This is so they can sell your trade-in
and make a profit.
Your Trade-in is worth a fixed amount
no matter what you buy, whether you
finance through them, whether you
buy any extended warranties or
optional extras, or anything. Don't let
them condition you into thinking
otherwise.
----------------*---------
Do I really need to get an extended
warranty?
You must decide that. If you lease for
36 months or less, you don't need
one, and it's a scam for a dealer to
sell you one.
If you got suckered into a long term
lease like 60 months, you better buy
one to cover the slack, as you are
responsible for all repairs. But if you
buy a new car instead of a lease,
should you get one?
Be sure you're dealing with a solid
extended warranty company
You want your warranty administrator
to be able to pay your claims. You
deal with 2 companies when you buy
a warranty. One sells you the contract,
the other administers your claims, so
background check both companies.
Chapter 1
Don't Buy a car without an MSRP window sticker
Every new car is required by law to have the factory MSRP sticker on
the window. Only the buyer is allowed to remove it. If it's missing,
report it to the Attorney General's office.
NEVER BUY THE FIRST TIME YOU GO IN.
Once you sign the contract for your new car, it's nearly impossible to
get out of the deal. Find your lowest deal before you sign, not after.
----------------------------
Chapter 2
Get your credit report, how to get a car loan, scams, online car loans,
first time car loans, budget & loan excel spreadsheets, credit repair.
How to increase your chances on getting approval on a car loan
If you're a recent college grad, don't apply until you're at your new
job at least 6 months.
Don't apply if you have moved in the last 6 months. Lenders verify
address and income.
A previous car loan or home mortgage on your record helps.
Pay off your credit card balances as low as possible.
Have a reasonably stable occupation like engineer, architect,
finance, etc. No self employment.
Other examples of credit extended to you should appear on your
credit report.
Don't apply for a car loan for at least 3 years after a bankruptcy.
Don't keep a high debt load or credit card balances.
No charge off's on your credit report.
-----------------------
Chapter 3
Negotiating tips, dealer scams & tricks to watch out for, dealing with
aggressive salespeople, choosing between rebates or low APR loans.
Your Car Buying Negotiating Strategy
You know what the dealer paid for the car, you've calculated your 5%
profit offer, and you're in a better position than most customers. Get
the paperwork from someone who recently bought a car to become
familiar with buyers forms. Now you won't be intimidated when it's
show time because you know how their forms work.
Once you make your offer, don't budge.
You have the numbers worked out already on your spreadsheet so
justify them before the salesperson has a chance to interrupt. You are
talking so you are in control of the conversation. If they try to
interrupt, raise your hand indicating for the salesperson to stop. Go
through your speech of how you arrived at these numbers, and don't
let them speak until you are done. Remind them of the big picture.
You are offering them a profit on the car, but they'll also profit from
you in the future for warranty repairs, service, parts, and body shop.
Deposit Tips At Car Dealers
Give your deposit on credit card, so you can cancel the charge if the
deal goes south
Never pay cash for a deposit on a car. If the deal goes south, you'll
never get your cash back, but you can always dispute a credit
transaction. You may need a new, clean credit card to handle
deposits, and purchases, don't pay cash.
--------------------------------
The Spot Delivery Scam
subject to loan approval--
"Sorry, you didn't qualify for the interest rate we signed you up for".
This is where "subject to financing" clauses on contracts bite you in
the butt.
Most states don't have a 3 day "buyer's remorse" law.--
Never take the car the same day you sign if you finance at the dealer.
It's tempting, they give you the keys, but don't take them. You'll be
back for the car when the deal is final. Tell them to call you when
they get the coupon book.
Don't buy a car if it has no MSRP sticker.
Don't buy the Fabric Protection!
Don't even THINK about buying the car alarm from the dealer!
Don't buy the paint protection!
Don't buy Detailing
Don't buy the rust proofing from the dealer.
This is pure profit for them. They charge $800 and up for it, and how
do you know if it's even on the car? Most cars have 6 year/100000
mile rust warranties, so you don't need rust protection.
Don't buy Credit Life insurance at the dealer!
If you have bad credit, they may tell you that you MUST take this
insurance. This lie is against the law. They usually do this to females,
first time buyers, and people with poor credit, who don't know better.
You can buy it cheaper from your insurance agent, but Credit
Disability Insurance is a joke. It's supposed to make your payments if
you are injured. But it does not kick in until after 15 days. If you were
injured for 12 days, you get nothing, so it's a meaningless policy.
Don't buy a used car with problems thinking you'll just get a warranty
to cover the repairs. These companies are a lot smarter than you. I
tell people don't file a claim within 60 days to stay off the radar map
and not trigger any red flags.
Warranty companies know that 90% of the claims filed in the first 30
days are fraudulent claims on pre-existing failures, that can often be
proven by independent inspectors. Don't do it.
Signing The Papers
Always check their numbers carefully. Don't sign until you are sure.
Check the payments against the final cost of the car to make sure
they didn't sneak anything in.
Don't Buy a car without an MSRP window sticker
Every new car is required by law to have the factory MSRP sticker on
the window. Only the buyer is allowed to remove it. If it's missing,
report it to the Attorney General's office.
NEVER BUY THE FIRST TIME YOU GO IN.
Once you sign the contract for your new car, it's nearly impossible to
get out of the deal. Find your lowest deal before you sign, not after.
----------------------------
Chapter 2
Get your credit report, how to get a car loan, scams, online car loans,
first time car loans, budget & loan excel spreadsheets, credit repair.
How to increase your chances on getting approval on a car loan
If you're a recent college grad, don't apply until you're at your new
job at least 6 months.
Don't apply if you have moved in the last 6 months. Lenders verify
address and income.
A previous car loan or home mortgage on your record helps.
Pay off your credit card balances as low as possible.
Have a reasonably stable occupation like engineer, architect,
finance, etc. No self employment.
Other examples of credit extended to you should appear on your
credit report.
Don't apply for a car loan for at least 3 years after a bankruptcy.
Don't keep a high debt load or credit card balances.
No charge off's on your credit report.
-----------------------
Chapter 3
Negotiating tips, dealer scams & tricks to watch out for, dealing with
aggressive salespeople, choosing between rebates or low APR loans.
Your Car Buying Negotiating Strategy
You know what the dealer paid for the car, you've calculated your 5%
profit offer, and you're in a better position than most customers. Get
the paperwork from someone who recently bought a car to become
familiar with buyers forms. Now you won't be intimidated when it's
show time because you know how their forms work.
Once you make your offer, don't budge.
You have the numbers worked out already on your spreadsheet so
justify them before the salesperson has a chance to interrupt. You are
talking so you are in control of the conversation. If they try to
interrupt, raise your hand indicating for the salesperson to stop. Go
through your speech of how you arrived at these numbers, and don't
let them speak until you are done. Remind them of the big picture.
You are offering them a profit on the car, but they'll also profit from
you in the future for warranty repairs, service, parts, and body shop.
Deposit Tips At Car Dealers
Give your deposit on credit card, so you can cancel the charge if the
deal goes south
Never pay cash for a deposit on a car. If the deal goes south, you'll
never get your cash back, but you can always dispute a credit
transaction. You may need a new, clean credit card to handle
deposits, and purchases, don't pay cash.
--------------------------------
The Spot Delivery Scam
subject to loan approval--
"Sorry, you didn't qualify for the interest rate we signed you up for".
This is where "subject to financing" clauses on contracts bite you in
the butt.
Most states don't have a 3 day "buyer's remorse" law.--
Never take the car the same day you sign if you finance at the dealer.
It's tempting, they give you the keys, but don't take them. You'll be
back for the car when the deal is final. Tell them to call you when
they get the coupon book.
Don't buy a car if it has no MSRP sticker.
Don't buy the Fabric Protection!
Don't even THINK about buying the car alarm from the dealer!
Don't buy the paint protection!
Don't buy Detailing
Don't buy the rust proofing from the dealer.
This is pure profit for them. They charge $800 and up for it, and how
do you know if it's even on the car? Most cars have 6 year/100000
mile rust warranties, so you don't need rust protection.
Don't buy Credit Life insurance at the dealer!
If you have bad credit, they may tell you that you MUST take this
insurance. This lie is against the law. They usually do this to females,
first time buyers, and people with poor credit, who don't know better.
You can buy it cheaper from your insurance agent, but Credit
Disability Insurance is a joke. It's supposed to make your payments if
you are injured. But it does not kick in until after 15 days. If you were
injured for 12 days, you get nothing, so it's a meaningless policy.
Don't buy a used car with problems thinking you'll just get a warranty
to cover the repairs. These companies are a lot smarter than you. I
tell people don't file a claim within 60 days to stay off the radar map
and not trigger any red flags.
Warranty companies know that 90% of the claims filed in the first 30
days are fraudulent claims on pre-existing failures, that can often be
proven by independent inspectors. Don't do it.
Signing The Papers
Always check their numbers carefully. Don't sign until you are sure.
Check the payments against the final cost of the car to make sure
they didn't sneak anything in.
''25 Questions That Every Woman Should Ask A Man: Essential Dating Advice
For Women-
'' Learn About The 10 Industries in Which the U.S. Is No Longer No.1 ?
For Women-
'' Learn About The 10 Industries in Which the U.S. Is No Longer No.1 ?
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'' ..''DEALERSHIP-- 7 Car Dealer Extras You May Not Need, Or
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KNOWLEDGEFINANCIAL.COM
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South Florida, HOW TO OBTAIN AN INSURANCE LICENSE, AND
GET HIRED, START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
-Auto Insurance: The More You Know, The Less You pay. The 10
Best Ways to Lower Your Car Insurance Bill!
''INSURANCE-- Everything You Need to Know About Insurance;
South Florida, Call The Insurance Representative At: 786-709-
6577 -
- Get an Insurance Quote, Look How much a Policy Can Cost
You, or See If You're Paying Too Much For a Policy.-- Get a
Quote!--
#1-10 PLACES NOT RECOMMENDED TO USE DEBIT CARDS:--
Financial Freedom.-- Seven Rules of Wealth Building Keys to
Amassing Investment Capital...
,, Start your own business EASY & SIMPLE, be your own
boss, make extra money, secure your financial future, obtain
financial freedom.
| '''Investigating the Dreaded 'Check Engine' Alert-- "check engine," "service engine soon" or "check powertrain." How to turn off your check engine light What to do if the "check engine" light goes on These tips can help you determine whether your vehicle has a loose gas cap,a bad sensor, or a serious engine problems--- You're driving along in your car or truck and suddenly a yellow light illuminates on your dash telling you to check or service your engine. If you're like most car owners, you have little idea about what that light is trying to tell you or exactly how you should react. By ignore the warning, and you could end up damaging expensive components. It also can be a sign that your car is getting poor fuel economy and emitting higher levels of pollutants. What the Light Means ----KNOWLEDGEFINANCIAL.COM The "check engine" light is part of your car's so-called onboard diagnostics (OBD) system. Since the 1980s, computers increasingly have controlled and monitored vehicle performance, regulating such variables as engine speed (RPM), fuel mixture, and ignition timing. In some cars, the computer also tells the automatic transmission when to shift. When it finds a problem in the electronic-control system that it can't correct, the computer turns on a yellow warning indicator that's labeled "check engine," "service engine soon" or "check powertrain." Or the light may be nothing more than a picture of an engine, known as the International Check Engine Symbol, perhaps with the word "Check." In addition to turning on the light, the computer stores a "trouble code" in its memory that identifies the source of the problem, such as a malfunctioning sensor or a misfiring engine. The code can be read with an electronic scan tool or a diagnostic computer, standard equipment in auto repair shops. There are also a number of relatively inexpensive code readers that are designed for do-it-yourselfers. Exactly what the OBD system looks for depends on the make, model and year. The original systems varied widely in their capabilities. Some did little more than check whether the various electronic sensors and actuators were hooked up and working. That changed by 1996, when, under OBD II regulations, carmakers were required to install a much more sophisticated system that essentially acts like a built-in state emissions testing station. The computer monitors and adjusts dozens of components and processes. What to do ---KNOWLEDGEFINANCIAL.COM "check engine" light, your dashboard has other lights and gauges to warn you about those problems and probably a lot sooner. The best advice is to read your owner's manual beforehand and learn the purpose of the "check engine" light and every other gauge and warning indicator on your dashboard. Periodically, you also should test the "check engine" light and other dashboard warning lights. Usually, you can do this by turning the key to the key-on/engine-off position. Consult the owner's manual for more information. Replace any bulbs that aren't working. If the "check engine" light illuminates, it will either blink or remain constant, depending on the problem. Either way, you should have the vehicle checked by a mechanic, although a blinking light or, on some cars, a red light instead of a yellow/orange light indicates a problem that needs immediate attention. In late-model cars, a blinking light usually indicates an engine misfire so severe that unburned fuel is being dumped into the exhaust system, where it can quickly damage the catalytic converter, requiring an expensive repair. If that happens, you should reduce power and have the car or truck looked at as soon as possible. If the light is steady, the problem is not an emergency, but you should schedule an appointment as soon as possible. KNOWLEDGEFINANCIAL.COM Today's automotive computers often try to compensate when there's a problem; so you may not notice deterioration in performance, even though your fuel mileage is suffering and your vehicle is emitting unacceptable levels of hydrocarbons and other pollutants. "The customer is really, in the long run, potentially hurting their pocket book by leaving that light on and ignoring it," says Jim Collins, a national training team leader for Ford Motor Company. In some extreme cases, the car's computer may reduce power for you, as it tries to limit the risk of damage. If the check-engine light comes on, here are some tips on what you should do: ; Look for a serious problem that requires immediate attention. Check your dashboard gauges and lights for indications of low oil pressure or overheating. These conditions mean you should pull over and shut off the engine as soon as you can find a safe place to do so. On some cars, a yellow "check engine" means investigate the problem, while a red "check engine" means stop right now. --KNOWLEDGEFINANCIAL.COM ' Try tightening your gas cap. This often solves the problem. Keep in mind that it may take several trips before the light resets. Some vehicles have a separate indicator that warns of a loose gas cap before the condition sets off the "check engine" light. ; Reduce speed and load. If the "check engine" light is blinking or you notice any serious performance problems, such as a loss of power, reduce your speed and try to reduce the load on the engine. For example, it would be a good idea to stop towing a trailer. Have the car checked as soon as possible to prevent expensive damage. ' Have the code read and the problem fixed. If you want to diagnose the malfunction yourself, you can buy a scan tool at most auto parts stores. The tools come with instructions on how to hook them up and decipher the codes. But unless you have a good knowledge of automotive diagnostics, you're probably better off taking the vehicle to a professional. Some automotive parts stores will read and interpret the code for you without charge. Unless there is an easy fix, they may simply refer you to a mechanic. |
''Investigating the Dreaded 'Check Engine' Alert-- "check engine,"
"service engine soon" or "check powertrain."
How to turn off your check engine light
What to do if the "check engine" light goes on
These tips can help you determine whether your vehicle has a loose
gas cap,a bad sensor, or a serious engine problems
--KNOWLEDGEFINANCIAL.COM
Few automobile problems are more vexing than the "check engine" light. When the light
comes on, it may mean you simply minor or perhaps major problems -- tighten your gas cap
-- or a bad sensor -- it could mean there's trouble brewing in your catalytic converter etc.
Here's the list: ---KNOWLEDGEFINANCIAL.COM
1. Replace the oxygen sensor. The sensor is a device that measures oxygen in the car's
exhaust and helps regulate how much fuel the engine needs to operate. If it's faulty, it will
make the car use more fuel than needed - and end up raising your fuel costs as much as 40
percent, "The vehicle will run fine, but it will inject more fuel and you'll buy it more often," he
says. Replacing the sensor could be a good idea..
2. Inspect for a loose or cracked gas cap. If you don't tighten the gas cap enough, or if it's
broken, gas can evaporate into the air, wasting fuel.
3. Replace the catalytic converter. The catalytic converter reduces toxic emissions and can
be expensive for some vehicles. Typically, this part won't fail unless you repeatedly ignore
problems with faulty oxygen sensors or spark plugs. So its ranking suggests a lot of routine
repairs aren't getting done.
4. Replace the mass air flow sensor. This device measures air coming into the engine.
Problems here can be prevented by changing the air filter when you have your oil changed - .
If you don't, and dust builds up on the sensor, you could end up spendind more for repair.
5. Replace the spark plugs. Changing spark plugs typically costs a few dollars a plug if you
do it yourself. Again, if not replaced, damaged spark plugs can cause the engine to misfire
and lead to expensive catalytic converter problems.
"service engine soon" or "check powertrain."
How to turn off your check engine light
What to do if the "check engine" light goes on
These tips can help you determine whether your vehicle has a loose
gas cap,a bad sensor, or a serious engine problems
--KNOWLEDGEFINANCIAL.COM
Few automobile problems are more vexing than the "check engine" light. When the light
comes on, it may mean you simply minor or perhaps major problems -- tighten your gas cap
-- or a bad sensor -- it could mean there's trouble brewing in your catalytic converter etc.
Here's the list: ---KNOWLEDGEFINANCIAL.COM
1. Replace the oxygen sensor. The sensor is a device that measures oxygen in the car's
exhaust and helps regulate how much fuel the engine needs to operate. If it's faulty, it will
make the car use more fuel than needed - and end up raising your fuel costs as much as 40
percent, "The vehicle will run fine, but it will inject more fuel and you'll buy it more often," he
says. Replacing the sensor could be a good idea..
2. Inspect for a loose or cracked gas cap. If you don't tighten the gas cap enough, or if it's
broken, gas can evaporate into the air, wasting fuel.
3. Replace the catalytic converter. The catalytic converter reduces toxic emissions and can
be expensive for some vehicles. Typically, this part won't fail unless you repeatedly ignore
problems with faulty oxygen sensors or spark plugs. So its ranking suggests a lot of routine
repairs aren't getting done.
4. Replace the mass air flow sensor. This device measures air coming into the engine.
Problems here can be prevented by changing the air filter when you have your oil changed - .
If you don't, and dust builds up on the sensor, you could end up spendind more for repair.
5. Replace the spark plugs. Changing spark plugs typically costs a few dollars a plug if you
do it yourself. Again, if not replaced, damaged spark plugs can cause the engine to misfire
and lead to expensive catalytic converter problems.
''What to do if "Your car check engine" light goes on-
How to turn off your check engine light?
"check engine," "service engine soon" or "check
powertrain."
''Auto Insurance: The More You Know, The Less You
pay. The 10 Best Ways to Lower Your Car Insurance
Bill. Learn More..
''.AUTO LOANS -- Great Car, Great Price…. But what
about the Financing? What you must know, What you
must avoid. ...Learn More -
''..''DEALERSHIP-- 7 Car Dealer Extras You May Not
Need, Or You Don't Need At All... Car Dealer Secrets
Revealed..! -- Learn How to Negotiate on New & Used
Cars..
How to turn off your check engine light?
"check engine," "service engine soon" or "check
powertrain."
''Auto Insurance: The More You Know, The Less You
pay. The 10 Best Ways to Lower Your Car Insurance
Bill. Learn More..
''.AUTO LOANS -- Great Car, Great Price…. But what
about the Financing? What you must know, What you
must avoid. ...Learn More -
''..''DEALERSHIP-- 7 Car Dealer Extras You May Not
Need, Or You Don't Need At All... Car Dealer Secrets
Revealed..! -- Learn How to Negotiate on New & Used
Cars..
| //-Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to Lower Your Car Insurance Bill! // '' ..''DEALERSHIP-- 7 Car Dealer Extras You May Not Need, Or You Don't Need At All... Car Dealer Secrets Revealed..! -- And [ 5] Five Common Car-Buying Mistakes To Know About... // 10 Steps to Buying Auto Insurance // The following simple steps will help you determine how much car insurance you need to carry. And it will also help you get the best coverage at the lowest price.- // .AUTO-LOANS -- Great Car, Great Price…. But what about the Financing? What you must know, What you must avoid. ...Learn More !--- FINANCIAL EDUCATION TOOLS AND RESOURCES; WAYS TO SAVE MONEY, TO MAKE MONEY -- // Important Car Insurance Issues to know about - Understanding these lesser-known topics can help you save big on your next policy, and Policy 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... // |
