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Youve been bitten by the new car bug. Or perhaps youre just so tired of your current car; you can hardly stand to drive it anymore.Youre about to embark on the research phase of the car buying experience (which is the right course of action). But, before you even begin pointing, clicking, and eyeballing these shiny new toys; take a step back and determine just how much car you can afford to own and operate.The conventional wisdom is not more than 20% of your monthl...

How Much Car Should You Try To Afford?

How Much Car Should You Try To Afford?Youve been bitten by the new car bug. Or perhaps youre just so tired of your current car; you can hardly stand to drive it anymore.Youre about to embark on the research phase of the car buying experience (which is the right course of action). But, before you even begin pointing, clicking, and eyeballing these shiny new toys; take a step back and determine just how much car you can afford to own and operate.The conventional wisdom is not more than 20% of your monthly income your net (take home) pay not your gross pay. And by the way, while youre doing your figuring on this 20% monthly cash outlay; make sure you include all the cars you own.Regardless of whether you dont even pay rent or own your home outright, stand firm on the 20% rule.On your way to calculating your 20% budget, in addition to the purchase price, be sure to factor in any down payment and/or your trade-in value. The bottom line youll finance is the bottom line.Of course, the more money you put down the more car you can buy and still be under the 20% rule. Keep in mind, the more money you put down doesnt affect how much you actually pay and cars are severely depreciating assets not investments.Once you get close to determining your 20% number, youll need to know the going interest rates youll be paying on your borrowed money. And since weve now broached borrowing money and interest rates you should also plan on getting a copy of your credit report while youre at it.Another important aspect to consider is the costs of ownership involved with the car. Things such as fuel, maintenance, and insurance premiums can run up some hefty numbers on you in addition to your monthly payment.Maintenance and insurance costs are somewhat related, because insurance companies take into account the cost to repair a vehicle as part of their premium calculation. So, if you are looking at a car that is expensive or difficult to repair, youre probably also looking at higher insurance premiums as well.So, even though you should keep the 20% rule firmly in mind as your are crunching your numbers, dont overlook all the other monthly expenses associated with the car you are considering.Taking the time to get all of your financial and budget numbers in place before you seriously begin looking at your intended makes and models will serve as a good financial rudder for you during the "car buying" process and make for much wiser purchase.

Car Leasing - Who Benefits From A Car Lease?

Car Leasing - Who Benefits From A Car Lease?

The television, internet, and newspapers are filled with advertisements from car dealers touting super low prices on leasing a car. Many individuals are confused with the lease process and completely rule it out as a viable option when searching for a new car. Although leasing a vehicle does not benefit everyone, many car owners would greatly benefit by leasing a car instead of buying one, either new or used. If you are wondering if you will benefit from a car lease, consider the following thoughts:Average Annual MileageIf you drive your car over the river and through the woodsand then some, then leasing may not be right for you. Generally, "car lease" s have a strict mileage maximum and you are heavily penalized if you go over this distance limit. Although this distance differs from lease to lease, the average limit for annual miles allowed in a leased vehicle is around 15,000 miles.If you can easily stay within that mileage limit, then leasing a car may be a great option for you. However, if you will blow through those given miles several times over, then you should think again about leasing. Many car lease companies charge as much as $800 for an additional 4,000 miles driven over the mileage limitand the charges can get steeper depending on how many miles you drive over the limit.Low Out of Pocket CostsIf you need a car for transportation but do not anticipate on driving it a great deal, then leasing works out as an excellent option. Many individuals who have a car lease enjoy the low out of pocket costs when it comes to bringing the car home. Instead of hefty down payments typically associated with buying a car, leasing a car requires a small down payment or none at all!Additionally, the initial taxes or fees usually tacked on to the cost of a new car do not apply to lease cars, so you can easily start a lease with a couple of hundred dollars instead of the thousands you would need when buying a car. Furthermore, instead of a hefty chunk of your monthly salary going towards a car payment, the lease payments are generally a great deal less expensive since you only pay for the depreciation of the cars value during the lease period.No Need for a LoanSince you will not have to try to finance the entire cost of the car, leasing a car is great for individuals who would otherwise need a loan. Many banks severely restrict giving car loans to individuals with outstanding debt, including a mortgage, medical bills, or student loan payment. Leasing a car is an excellent way to bypass the banks and skip the entire loan process. If you find yourself unable to get a loan or will be forced to pay extremely high interest rates, think about leasing a car instead of buying one.Newer Cars More OftenIf you are a car lover and are constantly craving that new and improved model that just hit the showroom floor, then consider leasing a car. Leasing is a great way for individuals to continually exchange cars for the newest model without having to lose the money invested if they were to continually buy and sell cars. If you plan on keeping a new car every year or every couple of years, leasing a vehicle is probably your best option over buying.Whatever you decide when it comes to leasing a car, do your research and choose a company and car that will meet your every expectation. Know the exact terms of the lease agreement, including any potential charges that may be incurred at the termination of the lease.

How Do Hybrid Cars Work?

How Do Hybrid Cars Work?

People have a tendency to make up their minds as to whether or not to purchase hybrid cars without truly examining the answer to the question how do hybrid cars work? By not truly understanding the process of how hybrid cars work, people have a tendency to look at the cars as if they are something exotic and can be put off to purchasing. This is silly as simply examining the basics of the cars operative process will remove any preconceived notions as to them being exotic are removed and the cars can be seen as part of the natural, evolutionary process of advancements in the realm of alternative energy.When it comes to the benefits of a hybrid car, one of the main benefits is that these cars will get significantly more miles to the gallon that a traditional gasoline car can achieve. When it comes to a simple matter of dollars and cents, a hybrid car can gain an additional 40 miles to a gallon. That is an enormous cost saving benefit and such savings have led to the expanded interest in the purchasing of hybrid cars. Now, while most people are familiar with the savings that these hybrid cars can provide, they are not entirely sure how the engines of a hybrid car can actually work. Because of this lack of knowledge in terms of the actual operation of the car, some people may be somewhat put off fro actually purchasing hybrid cars. This is a shame as a simple explanation as to how do hybrid cars work would put aside a number of concerns people may have that preclude them from making the actual purchase of the cars. So, how do hybrid cars work? The way in which hybrid cars work is based upon the type of hybrid car one is using. If the hybrid car is an ethanol hybrid car, then a percentage of the fuel of the car will be derive from ethanol. In some cases, the percentage of ethanol that is used is roughly 10% of the fuel. While this may seem like a small amount, it actually reduces emissions significantly. Answering how do hybrid cars work in regards to electronic hybrids is as follows: an electronic engine splits the work with the gasoline fuel source. Currently, on the American market, electronic imports remain the most popular of the hybrid releases namely due to the fact that ethanol is a difficult fuel to find in certain areas. For information on buying and selling new and second hand cars and bikes visit http://www.bharathautomobiles.com/index.php

Buying A Used Car Using The Web

Buying A Used Car Using The Web

When it comes to buying a used car there is nowhere better than the internet to help you get started. There are a huge amount of websites where sellers list their cars along with photos and detailed descriptions and this is the easiest and quickest way to find the car of your dreams. However when it comes to buying the car, there are some things that you should take into account, with this is mind here are some tips for a buying a used car.Before you even go looking for your car make sure you have a general idea of how much cars of similar age and type go for second hand. Also bear in mind the repair costs of the model, the safety aspects of that particular model and how much the car would cost to insure. Once you have made contact with the seller and have gone to check the car over, it is essential that you get to see all documents related to the cars history. This will give you an idea of how well the car has been treated and if it has had all the check ups it should have had.If you are buying your used car from a dealer then you have the right to see the written warranty that is provided by the dealer before you buy, this is one way of making sure of what you are getting before you commit yourself.When you go to look at the car make sure that you give it a through inspection in good lighting and that you take it for a test drive. Where possible make sure that you test drive the car in most situations, for example up and down hills, in heavy traffic where you are stopping and starting and if possible a brief drive down the motorway. This will all tell you how the car handles and feels and pay particular attention to not only how the car handles but also how the engine sounds.One of the best tips when it comes to buying a used car is if you know nothing about cars then make sure that you take someone with you who does. If you dont have a friend or family member then it can pay to book someone from an auto club to go with you and look over the car. While of course this will cost you in the long run it can work out cheaper if the car is nothing more than an old banger.Always remember that while you can get a good bargain when it comes to buying your used car privately you wont have any warranty as such as you would get from a used car dealer. So usually you will buy the car as seen and this is the risk you take for saving a couple of hundred pounds or more on the car.Whichever way you choose to go to buy your used car with a little common sense and by following the tips for buying a used car outlined above you can grab yourself a great bargain.

Pickup Truck Hauler -- Discover The Bigger, Tougher Brother To Sports Utility Vehicles

Pickup truck haulers are the more sturdy, practical alternative to sport utility vehicles, and many people are now making the switch. They are certainly a growing market, but a number of obstacles stand in the way of sales. Rising gas prices and environmental pressure influence many people's decisions of whether or not to buy, as well as the current dominance of sport utility vehicles on the market. Can they oust the competition and find their place in an over-crowded marketplace, or will they fall by the wayside as practicality gives way to political correctness?UsesPickup truck haulers have a variety of uses, and in fact the phrase can mean a number of things. The hauler can be separate, like a trailer, or even an add-on at the back to hold motorbikes. Mostly, though, pickup truck haulers are elongated pickups, designed to carry much larger items and cope with a heavier workload. Apart from motorbikes, jet skis, powered parachutes, canoes, snowmobiles, rafts, and balloons can be transported to their destinations, and they are frequently used as mobile skips and organic waste disposal units. They are getting larger and more versatile by the year, and are so reaching broader markets and appealing to a wider range of users.HistoryThe humble pickup truck has been around since 1925, when Henry Ford introduced the "Ford Model T Runabout with Pickup Body". Selling at $281, they quickly established a new market in motor vehicles, which was seized upon by the general public. Farmers found them particularly useful, but during the Great Depression banks would not lend money for luxuries such as cars, but they would for utilitarian vehicles such as pickups. This changed when a farmer sent a letter to Henry Ford asking, "Why don't you build people like me a vehicle in which I can take my family to church on Sunday, and my pigs to town on Monday?"; and so the utility vehicle was born, and it has gone from strength to strength since. Nowadays they can be used to move far more than pigs or people, but with their increased size has come an increased consumption of fuel, with damaging consequences.Fuel ConsumptionThe larger the vehicle, the more fuel it consumes, and the greater the effect on the environment. sport utility vehicles have received widespread criticism over the last few years from environmental pressure groups, and rising gas prices have shaken the market considerably. Polls in the summer of 2006 suggested that most people wanted to move away from utility vehicles and into the smaller car or hybrid sector. Nonetheless, the opposite appears to be happening, with sales of utility vehicles rising while car sales fall. Pickup truck haulers are definitely at the higher-consumption end of the market, but they fill a niche that cannot be otherwise filled by cars or smaller vehicles. If you need to move large items, then you need a large vehicle. Period.The FuturePickup truck haulers have a large role in the utilitarian market today, and will no doubt continue to do so in the future. The main criticism of sport utility vehicles is that they are are very often used by those who don't actually need them, such as couples or small families. So the question to ask yourself is: do I really need a pickup truck hauler? I cover this topic and the different varieties of haulers in my webpage, so I won't go into it here, but at the end of the day only you can answer that question, based on your career and lifestyle. One thing is for certain, though: pickup truck haulers are here to stay, and the time is right for them to overtake the competition and move into the fast lane.

All The Secrets About British Car Auctions

In England, car auctions have become very popular over the last few decades, especially, the British "car auctions" have become known around the world for their potential to get hold of excellent quality of cars, great models, and brilliant cars in great condition at the best possible prices.And to be honest, we personally use car auctions every week to make an extra income, as well as run other jobs for income. Thats one of the advantages of car auctions, you can buy a few cars, make some extra money on the re selling of them, and still pursue other income streams. We personally do this weekly so there is no reason that anyone else interested in British car auctions couldnt do the same, after all, people will always like choice, and thats why in business, there will always be room for sellers in business. If you can market your product well enough, get enough customers, the chances are you will sell if it is a needed item. The car has become one of those items, especially in the fast paced society we live in today. Once you in the auction, you will be asked if you would like to test drive any of the vehicles on show, in other words, you will have the chance to drive any of the cars which are available for biding on that given day at the auction you have chosen.You will then be told it is bidding time and you will be seated. Some of the British car auctions will hold their auctions with people standing. Whatever the auction is, whether it seated, or standing, they are all basically the same with 3 main phases. After phase one, the testing phase, you will have the bidding phase which is what we have briefly discussed.After the bidding phase, you have the payment processing phase, after this part of the auction, is the check out part. You will then be able to take the car away with you on the same day you have won the item. This is of course depending on cleared payment. If all is well and payment clears at the British car auction, you will before to drive your new vehicle home. Many people take cars home in bulk if they decide to buy a few. They bring large vehicles to drive a load of cars home with them.

Summary

Youve been bitten by the new car bug. Or perhaps youre just so tired of your current car; you can hardly stand to drive it anymore.Youre about to embark on the research phase of the car buying experience (which is the right course of action). But, before you even begin pointing, clicking, and eyeballing these shiny new toys; take a step back and determine just how much car you can afford to own and operate.The conventional wisdom is not more than 20% of your monthl...