So This Is Christmas

Merry Christmas is such an infectious feeling I like to feel that way all year around.

So if you are visiting just before Christmas, just after Christmas or even here on Christmas day I am sure you will find something of interest for you and in the spirit of Christmas.

It may be said that Christmas is no longer a celebration but this must be spoken by people that have never had trouble closing their eyes on Christmas Eve in an expectation of what maybe left for them on the carpet under the tree.

I continue to look forward to the surprise on my Grandchild's faces to this day at Christmas events.

Merry Christmas - Merry Christmas - Merry Christmas

Monday, May 28, 2012

How To Choose The Right Vehicle

By Clint Reedy


Whether you are buying a vehicle new or used, let us face it -- this is an experience that could jeopardize your full head of hair and calm and collected countenance. Coming only second to buying a new home, vehicles would be among those life-altering purchases people make, and it can be quite a harrowing experience to make a choice and avoid the double-talk salespeople are so notorious for.

Really, there is one thing that can help you let go of your trepidation when it comes to car buying, and it can save you consternation, likewise the salespeople, and that is RESEARCH.

Gathering Data/Analysis - Part 1

First, consider your current vehicle. Why do you want to trade it in, and what are its advantages and disadvantages? If you need better gas mileage, a lower mileage vehicle, want to reduce your payment, or to upgrade to something more stylish, keep that in the forefront of your mind, since that is essentially your goal for buying a different vehicle.

Also think about how you use this vehicle the majority of the time. There are a lot of people that use huge vans and SUVs for commuting because they wanted a large family vehicle for the one week out of the year they go on vacation. Think about the size of the family and the potential savings on fuel costs and monthly payments if you would get a midsize car or an economy car, because it might make more sense to fly out instead and still have some extra money afterwards.

The objectives of your trade and the main usage of the vehicle will help you make a wise decision -- should you buy a Prius, a Camaro or perhaps one of those babies from GMC so that the entire family can hit the road on your next week off from work?

How Much Can You Afford?

After you know what type of vehicle you need and what you are trying to accomplish, next comes the most dreaded part of the equation, pricing.

You can also gain some vital leverage by ascertaining the most accurate trade value possible and getting financing from a bank, credit union or another financial institution; after all, you will not be reliant on anybody else for information on payment terms and credit. Remember, no matter what salespeople say, the price of the vehicle is what determines the payment; so if you can spend $300 a month on payments, ask your bank or credit union how much money they will loan on a car for $300 a month. As such, you do not need to worry much about spending too much on your vehicle payment.

Car Lot Dilemmas, or Lack Thereof

Once you know what you are after, test driving vehicles will be much easier, and you can tell salespeople you are still in research mode, and not looking to buy today, if that is your plan.

The moment you find that wonderful vehicle that meets all of your expectations in terms of performance, looks, fuel economy, price range and others, you have to give pause and consider just a few more things. To put it succinctly, the miscellaneous things you have to do would be to have an independent mechanic (emphasis on independent) look at your vehicle (if it is used) to make sure that there is nothing about it that may be a harbinger for disaster, and you should also look at the costs of insurance and ownership, either through online resources or through a local provider, so you can be confident that you will not be spending much to secure ownership of the vehicle.




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