Saturday, December 25, 2010

WHAT TYPE OF AUTOMOBILE SHOULD I BUY FOR MY CHILDS FIRST CAR

Since our child's first car will be abused we tend to want to spend as little as possible on that first purchase so they can get the hang of driving at a cheaper cost to us. We all know they will not take care of this vehicle, like not checking the fluids, hit things while moving and not moving, crawl all over it , scratch it etc etc. After working on and selling all types of cars, my choice would hands done be a Chevrolet cavalier. Now lets see why I say this. Number one would be Chevy's by far are more dependable in my eyes, they seem not to need as much attention. The small four cylinder motor is very dependable and the transmissions don't have any known issues, so they last a lot longer than normal. Parts on general motors autos are cheaper and available more than any other cars. gas mileage is excellent, I used to get 30-35 mpg with my 98 cavalier. The cavalier is a little more expensive than most small cars and a little harder to locate, but I think its worth it to look until you find the right one. Now there are others I like and everyone would agree hondas and toyotas are top used cars, but they are also more expensive. So that's where I think the cavalier is the number one choice, If you want my opinion on any type of cars just comment on this and I ll be glad to tell you what I know about them. happy motoring

Tuesday, December 21, 2010

WHAT DO I DO WHEN IM IN AN ACCIDENT

I've seen a few accidents this past week, not me thank god. The questions about what to do when in an accident are many. So I happen across the Michigan auto accident attorney site that i thought really said it like it was and informed a person about the things that go on when dealing with accidents or even personal injury cases. I spent a lot of time on the site started to think like a lawyer guess Imissed my calling since I'm 44 now. When it comes to personal injury, even though I'm in Minnesota this site about Michigan personal injury attorneys actually made sense, when in an accident it is important to pick the right lawyer, I learned that first hand when I was in a boat accident I picked a lawyer I knew and he didn't do anything for me. I ended up only getting a small amount when i should have received a years salary. I recommend being prepared when the unexpected comes up, do your home be educated before you need something because when it happens we seem to get all excited and forget what to say and do. So go check out this site about
Michigan personal injury lawyers and learn the ins and outs of that thing we all tread ACCIDENTS! happy motoring

Thursday, December 16, 2010

DO WE NEED TIRE CHAINS IN MINNESOTA

They use Tire Chains in the mountains for traction in the snow. Do we need them here in Minnesota, that's a good question. I remember when those chains where hard to put on and took a long time. Check out The Tire Chain Dealer, they have chains that are easy to install, The most popular product is the Grip which installs in less than 2 minutes per tire and cost less than $100. With the winters getting worse we are going to need these to get around. We just had almost 2 feet of snow and I had a hard time getting around with my four wheel drive, so I can imagine everyone with 2 wheel drive really had a hard time, so if your in need of traction check out this site and you can get tire chains you need for a good price. happy motoring

INSURANCE QUOTES HIGH AND LOW WHERE DO I GO

I have searched recently for insurance, Wow what a difference in pricing, I must of received 20 different quotes, the 6 month quotes ranged from $125-1000 that's a big stretch.So I did find a place that was however average across the board, Auto Insurance Select was the most accurate and seemed right, they have Progressive, Allstate and Allied , plus a few others they run you with for the best quote! I personally ended up with Allied for all my insurance, they seemed to be the best for me and my property. Now when your looking for insurance remember full coverage isn't much more expensive, just because you don't have a loan on your vehicle doesn't mean you don't need the full coverage, think of this, some one hits you ,they don't have insurance, are they fixing your car. No, they are not. So full coverage on your auto is smart, unless of course its worth so little it makes no sense . Allstate has that disappearing deductible I like that idea, but allied beat them on my total cost. Also you can get roadside assistance and glass.I didn't have glass for dollars a month in cost and i had to pay for my new windshield when it broke, so maybe check into that too. Plus its good to re-look at your insurance once a year to make sure you getting the best rate.Happy Motoring my friends

Friday, December 10, 2010

HOW DOES SELF EMPLOYMENT AFFECT MY AUTO LOAN APPLICATION

Being self employed wont affect your credit, it will however affect you proving your income, which all banks require,even with good credit. So remember when an auto purchase is coming up to prepare yourself early. If you get paid cash, deposit your money in the bank, you can take it right back out if you wish. You need to show 3-6 months deposits, and they should be uniform to what you are stating for income! And make sure its your personal account, not a business account. Even if you don't have a job but take in money (for who knows what) if you deposit this money, you can call it provable income!You ll see below its actually easier to prove self employed income with bad credit, the difference will be the interest one pays! happy motoring
Recap proof of income needed for auto loan
poor credit- 2-3 months personal banks statements showing deposits
middle of the road credit-  6 months personal bank statements with 2 years taxes
good credit- same as above, except if your score is above 725 you may not need anything

Wednesday, December 8, 2010

WHAT DID CASH FOR CLUNKERS DO FOR US

Well after reading many statistics on CARS , which was cash for clunkers, this is what i found. 690,000 automobiles were sold in the program, at $3500-$4500 allowance on each. With 3 billion being the total amount of taxpayers money spent, Edmonds.com did research to see if this stimulated the economy, here's what they found. 125,000 out of the 690,000 was what edmunds.com said was what extra sales came out of this program, they figured this because we would have purchased anyways, so $24,000 per car is what you and I  gave to help the economy, WOW. Plus all those clunkers where taken out of the market of our used car supply out there, in returned, raised all used car prices drastically, ouch. One more part is the used parts supply was weakened by this too. All those engines where destroyed, not taken apart and sold as used auto parts. Yes it raised sales for that month, put the next month was slower than normal due to the shortage of inventory. So you and I both know this was not a great moment in American history!! Happy Motoring